23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging I owe a debt to Capital One NA in the amount of {$5800.00}. I disputed this debt and requested documentation from them. They sent me a statement showing dates : XX/XX/XXXX - XX/XX/XXXX with a balance of {$5600.00} addressed to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is unknown to me. Furthermore, there is an additional cardholder listed on the statement which is also unknown to me. I continued to dispute their efforts to collect this alleged debt. The matter was brought to hearing before the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I again disputed this debt to the Judge advising I have been a victim of identity fraud/theft. The Judge said he would review the case and render his verdict. I heard nothing further regarding the matter. I then receive an email from my employer on XX/XX/XXXX advising me that a garnishment order hearing has been set for XX/XX/XXXX. I was never served such notice, which is a violation of my rights under due process. I mailed the Court an appeal notice requesting a hearing immediately. I have tried to resolve this matter myself, but my efforts clearly are not working. I believe XXXX XXXX XXXX XXXX to be in violation of many regulatory laws & statutes.
Product: Credit card or prepaid card

I have attempted to contact Bank of America multiple times in regards to my XXXX card they have my account locked and it has been in the status for many months now they keep referring me out to the bank which I have already been and no change to the account still They have sent me a letter indicating that a prior claim dispute was denied or closed and now has been evaluated and reopened on their end that I need to contact them at the number provided on the letter in order for them to authenticate my identification over the phone however when calling they refuse to honor the letter and say that on there and theres no letter being sent out according to notation however I have a copy of this letter which I will provide
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX  XXXX XXXX  Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Account : Account
Product: Credit card

I have been trying to dispute a fraudulent charge for {$2700.00} at XXXX XXXX in XXXX which has a date of XX/XX/ but appeared on my statement as a reversal on XXXX. I did not authorize this charge and have reported it as fraudulent by calling the Citi security department at XXXX on XX/XX/ where I was provided a case number XXXX and was told to wait for the security team to contact me via phone, email, or mail. 

I followed up to the same department on XX/XX/ and was told that I just needed to wait to be contacted for follow-up. I received no communications from Citi and called again on XX/XX/. On my XX/XX/XXXX call, the representative made another dispute and cancelled my card to issue me a new card number, then told me to wait for the security team to contact me. 

I still had not received any follow-up communications from Citi and called again on XX/XX/ to inquire why the charge was still part of my balance and why there had been no follow-up from Citi. The agent responded that I just needed to wait for the security team to send me a communication. I informed the agent that I would be filing a CFPB complaint since my fraud dispute had not been resolved after almost 1 month. 

The charge has not been removed from my account and I was charged interest and fees for it and it is still gathering interest. I am also no longer able to sign onto my online account.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are inconsistent in their adjustments to my credit scores. I dropped my overall credit card balance by almost {$2000.00} and no change to my scores. Then when the balance of one card goes up {$160.00} one bureau ( XXXX ) decreases my score by XXXX points! This makes no sense. I watch my scores on a consistent basis and if I didnt no better I would think this is an example of institutional racism. They have slowly ticked down but rarely tick up. To have a minor negative years ago my accounts they have slowly taken me down bit by bit to middle XXXX. This does not compute even with high usage. Ill never rise my scores if I decrease my usage by {$2000.00} and get no change then a small increase reduces my scores. Somebody needs to look into why there doesnt seem to be any consistency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed seeveral disputes to remove a bankruptcy on my credit file XXXX had this information updated but TransUnion and XXXX has not removed. I have contact my lock Bankruptcy court.XXXX XXXX who verified they have not supplied an personal information to any 3rd party! I also contacted pacer the source of public record whom also informed the same I have provided and supplied proof and statements from all sources and demand that the bankruptcy be deleted fro my file immediately. public records reported on credit reports must be checked by the credit bureaus for updates every 90 days to ensure their accuracy. If the records are not checked, they should be removed from the credit report. Bankruptcy records already hold these strict requirements, which is why the changes dont impact this type of public record. According to 15 U.S.C. 1681 The Credit Reporting Agencies were NEVER given the role to furnish credit reports ; they ASSUMED the role. This is exactly why CONGRESS implemented the FAIR CREDIT REPORTING ACT.
Product: Checking or savings account

I mailed a certified membership application to DCU on Friday XX/XX/year>. The membership application was for my newly born son to establish a savings account for him ( born XX/XX/year> ). 

I previously worked for this credit union from XXXX. Additionally, I have continued to be a relationship membership for over 13 years, as has my wife. We use DCU as our PFI, however this may be subject to change.

Once DCU received my membership application, the reached out and stated they needed a copy of my driver 's license and my wife 's driver 's license as we both wish to be joint owners on this savings account. On page XXXX of DCU 's membership application it states : " If you are already a DCU member, you are not required to provide the REQUIRED IDENTIFICATION, but you must provide your DCU Member #, Legal Name, and SSN below. '' On my application, I provided all the necessary information outlines on the disclosures of the membership application indication my membership number, name, and SSN, and did the same for my wife. DCU is now refusing to open the membership unless I provide both mine and my wife 's license to " verify who we are. '' I find this quite absurd that a credit union I worked at for XXXX years, and banked with for this long is now requesting this information to verify my identity. Not only that but both my wife and I have had multiple loans ( Credit Card, and XXXX ), and establish XXXX other minor accounts for my other children. How much more verification outside of what was needed to be employed and bank there this long do they really need to establish an account for my son? This is beyond the extent of what is reasonable and practical to establish this account.
Product: Payday loan, title loan, or personal loan

I am writing to dispute an unauthorized draft attempt in the amount of {$130.00} from my XXXX XXXX checking account ending in XXXX, on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 
The charges are in error because I did not give permission for auto draft payments to draft from my account ending in XXXX, rather I gave permission for the bi-weekly drafts to be drafted from my XXXX XXXX checking account ending in XXXX ONLY. 
Due to One Main Financial agents negligence, I have suffered embarrassment and financial hardship, because I was charged overdraft fees from my rental office for rent payments I scheduled with them. I also received overdraft fees from XXXX XXXX XXXX XXXX. 
The overdraft and return check fees charged in total = {$110.00} I am requesting that the error be corrected, that the {$110.00} in return check fees and overdraft fees be paid directly to me by check from OneMain Financial immediately.
Product: Checking or savings account

There was a Fraudulent Account Checking Account Open With Discover Bank That was Used and Open Under My Name i Never Gave Permission to Discover Bank to Open any Cheeking Account With My Name and Discover is Refusing to Closed the Account and remove this account from their Site and for some reason i was a Victim Of Identity Theft and i have no Knowledge of this account and never gave them permission to open this account {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation. 
Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law. 
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report! 
Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Product: Mortgage

I paid off my mortgage in full ( actually {$670.00} over payout ) and Mr. Cooper has gone full-predatory mode against me. 

First they miscalculated the amount due back to me of {$500.00}. 

Their payoff amount was {$1600.00} and I had an escrow of {$2200.00}. Just looking at those numbers ( not including their " suspense bucket '' shenanigans of {$160.00} and {$84.00} ) I would be due {$550.00}. 

XX/XX/XXXX Unapplied Funds Payment Reversal {$160.00} XX/XX/XXXX Unapplied Funds Payment Reversal {$84.00} If we do a more detailed analysis : {$63000.00} loan on XX/XX/XXXX at 4.5 % ( went down to in XXXX to about $ XXXX ) -- giving you ( generously ) {$310.00} interest = which would have become {$63000.00} by the end of XXXX if not for any payments. And then subtract the XXXX Escrow balance which was {$280.00} at that time. 

This gives an actual account balance with interest included and not including escrow of {$63000.00} going into XXXX. 

Then I made payments of {$64000.00} : XX/XX/XXXX : {$55000.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$1500.00} Subtract {$64000.00} payments from {$63000.00} and the amount amount due back is {$670.00}. 

Now using their payoff numbers ( which don't include their crooked mess with the suspension buckets ) I'm due {$550.00}. And a careful analysis of the money going back the last three months ( without the " suspension bucket '' nonsense and misapplied payments ) shows that I am due {$670.00}. 

And rather " coincidentally '' it seems like the ( approximately ) {$160.00} missing happened to go into a " suspension bucket '' on XX/XX/XXXX : XX/XX/XXXX Unapplied Funds Payment Reversal {$160.00} As if that wasn't enough, today ( XX/XX/XXXX ) they've changed the status of my account and reopened my PAID OFF MORTGAGE and are saying I OWE them {$820.00} by XX/XX/XXXX or they will charge me additional fees and interest. 

As of XX/XX/XXXX Unpaid principal {$240.00} Escrow {$770.00} By THEIR ACCOUNTING THEY OWE ME {$530.00} ( though it is actually {$670.00} ). 

But now they are demanding another {$820.00} even though they owe me money and my mortgage should be closed as paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX ) XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXXx 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Debt collection

I am filing this complaint to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX and XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts in my file ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

For XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I noticed a fraudulent money transfer from my checking account at Chase Bank for {$400.00} to a company/entity referred to as : " My Love # # # # # # # # # # XXXX ''. I did not authorize or make this money transfer. I filed a claim with Chase Bank. The Chase Bank representative advised me to go into my local branch and discuss with them what I should do further. I was told at the branch to change my account number, my username, and password, which I did. I was also told that the {$400.00} was put back into my account and all was taken care of. I received a letter posted XX/XX/2023, that an investigation had been initiated regarding my claim. I received another letter posted XX/XX/2023, that my claim had been investigated and it was determined that I had made the money transfer myself and on my device. I called the Chase Bank claims department again and after speaking to a supervisor, was told that a new investigation would be started and that I would learn of its outcome within XXXX - XXXX business days. I called back today, XX/XX/2023, and was told that there were no grounds to re-investigate my claim and that I had made the money transfer and it was made on my device. During my research regarding this situation, I discovered that banks can only keep {$50.00} of a fraudulent money transfer and that it is only possible, if I had taken over 60 days to report the the claim. I did not take over 60 days to report the claim. I am XXXX, elderly, and a shut-in. I do all of my banking online with Chase Bank. No one else has access to my account or my computer. Either Chase is cheating me or I have been hacked. Either way, I did not make or authorize this money transfer. Thank you.
Product: Mortgage

Our mortgage company Freedom Mortgage called us XX/XX/2020 about refinancing our loan. We started the process right away and signed paperwork on XX/XX/2020 to get started. We have provided all requested information timely ( including demands for items to be returned within 24 hours ) and the refinance still has not closed. No one at the Company will answer calls or return emails and they keep making excuses about why it's not done. Primarily that they are waiting for third party information, but can't confirm what. The interest rate lock that we signed is expired and they have not renewed. We have top notch credit and have always paid our monthly mortgage in full on time. The refinance should have been completed in 30 days.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, this XXXX XXXX XXXX account was removed from my credit reports 4 months ago now its back on. I have proper documentation showing this isnt my account!!!!! This account needs to be removed permanently!!! This is becoming a big problem with them!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A checking account was opened in my name without my knowledge or consent. I called to close the account on XX/XX/XXXX. Today on XX/XX/XXXX I am still getting a bank statement. Ive called again and they have told me the account is closed. Ive asked since that is the case, I should no longer be receiving statements or correspondence on account thats closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Heights Finance has not updated my balance paid or reported to all three credit bureaus they have not reported an updated balance since XX/XX/2023 and I am not late on my payments, I am entitled to this information as it is my credit report and I am the creditor. My credit was suppose to increase with on time payments but they are not reporting and it is a violation to my rights.
Product: Credit reporting or other personal consumer reports

THE ADDRESS BEING REPORTED IS INCORRECT. My correct address is : XXXX XXXX XXXX XXXX XXXX, NY XXXX.