23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Id called Capital One on Monday, XX/XX/XXXX to set up a 3-installment payment plan for my over-limit balance. Dates which my bank account was to be debited were meticulously picked out and thoroughly discussed during that recorded phone call on XX/XX/XXXX. The first of which was to be Friday that same week, XX/XX/XXXX. When the payment wasnt withdrawn on the XXXX I figured okay, maybe itll take the weekend since its the first payment. Maybe theres some sort of timing issue with it being a Friday. But when the payment still wasnt withdrawn from my account on Monday, XX/XX/XXXX, I called Capital One to inquire as to why. They told me the payment plan was not properly processed on XX/XX/XXXX. They then told me the payment of {$330.00} was now ~ {$410.00}. This upset me because Id already budgeted and prepared for the agreed-upon amount of {$330.00}. So my account was sent for review. Then I get an email from my credit bureau stating theres been a change to my score. Come to find out Capital One reported a missed payment ( the payment they hadnt properly processed ) to my credit bureau on XX/XX/XXXX. When theyd done it a second time the following month I again became upset and discovered its illegal for a credit card company to report anything to any bureau for an account that has a dispute. Which mine does. Furthermore, the missed payment was the inaccurate {$410.00} amount. Many phone calls later Capital One tells me theyre adjusting the credit reporting and credited my account {$50.00} which allegedly got applied a month ago. Yet I hadnt heard until a month had passed? Weird. {$50.00} in no way helps anything. And today I receive an email stating that my credit card will be charged off if I dont make a payment. All I want to do is make the payments that were agreed upon on XXXX XXXX, 2020. Seems like Capital One is aware they messed up but they want to rush things and close my account while Im trying to fix things.
Product: Checking or savings account

I am filing a complaint against TD BANK, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, TD BANK failed to take timely and effective measures to prevent and address fraud on their platform, causing me financial harm economical despair and financial hardship : leaving my account vulnerable and unprotected furthermore closing my account and blocking me from continued use of the platform and its banking services while keeping and or various amounts of transactions. Their dispute resolution process was unfair and offered limited to no customer support which is deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E!. These actions have caused significant Financial harm, Commercial Liability, Unrepairable Time Lose Theft of Banking Instruments Appropriated and addressed to me ; and the ability to work with other Financial Institution 's has been limited and or cut off causing irreparable damage and deprivation of Character in its Commercial Compacity!. Furthermore not providing me as a XXXX XXXX XXXXr to utilize all of the banking products that are currently offered to CAUCASION persons in its Compacity Denying me on basis of my XXXX XXXX XXXX  Meaning XXXX XXXX XXXX XXXX XXXX, Attaining to Inconvenience and sever Financial loss, and I seek immediate and appropriate redress for these violations Without Prejudice!.
Product: Credit reporting, credit repair services, or other personal consumer reports

payment history involving XXXX XXXX  XXXX is incorrect. The months will be listed below. 
XXXX XXXX XXXX XXXX XXXX. 
. I have plenty of issues involving the collection department. lying. trying to have me pay money I didn't have. I can go down the list. when my account was NEVER late. I was in COVID forberence between XXXX XXXX XXXX XXXX. I waited for my paperwork from FHA until XXXX. Therefore I was Not obligated by contract to make a payment because I was waiting for my FHA loan due to my covid forberance. again I was never late on this account and I would like them to fix it immediately. Picture will be uploaded aswell. if I need to file a " Claim of debt '' form for them to validate all my debt I will do that.
Product: Checking or savings account

Citibank phone customer service agents do not seem very well trained in giving accurate information on funds availability with the type of account I have. 

I called in to Citibank phone reps multiple times XX/XX/2023 and XX/XX/2023 to inquire when deposits to my checking and savings account will be available. One representative claimed the funds will be available for the {$110.00} by the end of business day on XX/XX/2023. I confirmed it 3 times with her and she confirmed it 3 times with me. The second representative claimed it will be available after the XXXX. 

I asked about funds availability and why this was such a long deposit hold. I received various responses. 

At this time I do not have proper documentation on funds availability from Citibank. All their funds availability apply to teller and/or branch deposits. 

Further, Citibank did not give paperwork nor indicate they mailed paperwork for fees, deposit info., terms & condition for the account. They simply just allow customers to open the account without knowing important financial information. This specific negligence is harmful to XXXX  customers, such as myself, that are trying to navigate a banking system with no direction ( obviously customer service reps give misinformation to customers ) geared toward XXXX  and wealthy individuals. Citibank is setting up minority customers for failure with their accounts by now providing the information in a timely and clear fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from these accounts, along with XXXX  has violated my federally protected consumer rights under the FCRA and also under Truth in Lending Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why Experian is refusing to delete a XXXX account on my credit report that does not belong to me. It is reported to have been opened in XXXX XXXX with account number # XXXX. I have called XXXX and XXXX XXXX multiple times and it has been confirmed by their representatives I have never taken an account with them in their records. Experian and XXXX mistakenly started reporting this account a couple of years ago and since then, I have been fighting them tooth and nail to delete this from my report. XXXX recently finally deleted this account once they validated it was not my account but Experian is refusing to acknowledge my complaint and keeps telling me to contact XXXX. I am filing this complaint because I have already done my part in contacting XXXX and Experian is the one who is not doing their job. This is not my account and it needs to be deleted as soon as possible from my report. I am including a copy a recent report which shows how only Experian has this account on my credit. XXXX and XXXX are not reporting this. I am also including a screenshot of the deletion letter from XXXX verifying it is not my account and it was deleted.
Product: Mortgage

We fell behind on our mortgage some time ago and we thought we were getting assistance from different sources. Ultimately no one helped and everyone said they could, our financial probelms started before the covid pandemic, but the pandemic has made things worse. the primary borrow has had health issues, for a number of years, and the coborrow has been dealing with her elderly mom. 

Recently we reach out to the servicer and they said they would try and help by modifying the loan and since the primary borow is stable with her health and the Mom is doing much better, we should be able to maintain consistant monthly payments. We have sent a completed loan modification package in today and plan to follow up with them on monday, they said the process will be expedited because of the sale date and hopefully postpone the sale date. worse case would would need to sale property and recover what equity is available. Primary objective is the continue to live in the property and provide shelter for my family.
Product: Credit reporting or other personal consumer reports

hese accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$7000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$11000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$9700.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$4500.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened an account with military star / AAFES in XXXX of 2019. I have been consistantly calling AAFES / Military star as well as their collection agent XXXX XXXX For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this removed.
Product: Mortgage

The check to pay the XXXX mortgage payment to PrimeLending is dated XX/XX/XXXX. I have a copy of the front and back of the check. Since I get paid at the end of the month, I pay my mortgage when I get paid. 

It was 3 weeks into XXXX when I noticed that prime lending hadnt cashed my XXXX mortgage check. I thought maybe the check got lost. I was concerned, so I called PrimeLending and made a payment over the phone. On XX/XX/XXXX, PrimeLending cashed the check and tried to cash my online payment at the same time. There wasnt enough money in the account to cover two mortgage payments in the same month. 

I was told to block the online payment. So I did. Since I have never blocked a payment before, I didnt know that the block would be in place with that company until I removed the block. 

Our XX/XX/XXXX I went down to my bank and I removed the block on PrimeLending. I called PrimeLending and alerted them that I had removed the block. 

I have been in constant contact with PrimeLending. Each time, I have asked them if they were taking notes. They always tell me that they are taking notes. Every time I called PrimeLending, I tell the PrimeLending customer service representative that I want to pay my mortgage and ask them to help me clear up the problem. 

I checked my credit report today XX/XX/2021 and found PrimeLending had posted a delinquent account on my part. When I call PrimeLending, I get the impression that the right hand doesnt know what the left hand is doing in their accounting department. If prime lending had cashed my check in a timely manner, instead of waiting until XX/XX/XXXX, there would be no problem. 

I have tried to talk to representatives from PrimeLending numerous times and to no avail. My credit score dropped significantly due to this error on the part of PrimeLending. 

After hours on the phone, I finally found someone that would help me. My mortgage account is fully up-to-date as of today XX/XX/2021. My loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I am filing a complaint against National Credit Adjusters for reporting a collection account with Speedy Cash as the original creditor, despite my having no financial obligation with them. In Texas, Speedy Cash acts as a Credit Access Business ( CAB ), with loans issued by unaffiliated third-party lenders. By law, National Credit Adjusters must remove this account since they failed to provide the requested documentation ( original loan documents, forward flow agreement, and proof of a debt collection license in Texas ). Additionally, I am a victim of identity theft, further invalidating this claim. I request the immediate deletion of account XXXX from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company self reported a late payment to my report violation of my rights Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

15 U.S.C. 1681 section 602 says " I have the right to Privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax for an account that I do n't believe to be mine. The XXXX dispute was submitted on XX/XX/XXXX claiming fraud. The dispute was resolved within days saying that everything was verified. I submitted a second dispute also stating fraud on XX/XX/XXXX. I requested verification and a signature from them. This dispute was also completed in a few days and i received the same cookie cutter response from the first one. I submitted my third dispute on XX/XX/XXXX telling them once again that i needed the signature from this collection agency as proof and that this was fraud. On XX/XX/XXXX they sent me the results. It was the same message from the first two disputes. I had called them to try to explain what was going on and requested since the collection agency was reporting to the credit bureau while this item was being disputed and they failed to provide me the correct information, that i wanted this removed immediately. They are still reporting this. I am more than willing to bring legal action against both the collection agency and the reporting agency if this is n't resolved. I need assistance with this please.
Product: Debt collection

mrc receivables too me to court over a debt. The agreement when I paid the debt was that it be removed from my credit report. This was in XXXX 2009. I paid the debt owed. Upon checking my credit report this debt is still on my report. I have called several times and sent several letters requesting this be taken off of my credit report. Mrc states they are not reporting to the credit bureaus which is correct. They have reported to our district court and will not provide me or the courts the documentation to remove this from my credit file. I have made all attempts at resolving this and they will not respond or tell me something is in the mail and I never receive it. This debt is also more than 7 years old from the original creditor.
Product: Money transfer, virtual currency, or money service

I recently use the service Venmo to transfer money to a friend of mine who I owed {$600.00} to. I transferred that amount to my friend using the Venmo mobile app. Once I submitted the transfer, I noticed the amount jumped to {$620.00}! There was an instant 3 % fee that was charged. It would have been nice if I had know about the fee before the transfer occurred. It was instant, and I had no chance to cancel the transfer. I thought this was very shady on the part of Venmo. I contacted the company and they said the 3 % was assessed because my account was linked to a credit card which causes the fee to occur. They declined to get rid of the fee citing the terms of agreement. However, it 's important for customers to at least review the upfront fee before they transfer the money. That 's all I wanted, a choice. I was not provided that.
Product: Credit reporting or other personal consumer reports

Account is paid and up to date and they will not update my payment information.
Product: Vehicle loan or lease

I refinanced my car loan in early XXXX. The next loan payment to Westlake Financial was due XX/XX/XXXX and because I was not sure if the company would receive my payoff in time I also made a loan payment in the amount of {$330.00}. On XX/XX/XXXX the loan company received the payoff in the amount of {$9900.00} resulting in an excess payment of {$57.00}. I called the company on XX/XX/XXXX to discuss the overpayment and was told I would receive an email in 21 days. I called back in 21 day and was told it would be 21 business day. From XX/XX/XXXX through today I have called requesting information on my payoff and keep being told they are sending an email to find the status. Today I talked to a supervisor and was told my loan was in a " do not refund '' status and they will need to send another email to find out why.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing in response to your letter concerning my federal student loan account with Nelnet Loan Servicing. I appreciate your attention to my concerns and the ongoing investigation into the reported identity theft. 
Upon careful consideration, I want to emphasize my main concerns regarding Nelnet 's reporting on my credit. These concerns are paramount to me and necessitate urgent resolution : Lack of Consent for Contractual Agreement : I have not received any evidence or clarification regarding my initial consent for Nelnet to conduct business with me. It is fundamental, under applicable laws, to demonstrate proper authorization, including a wet ink signature, for any contractual agreement. I request that Nelnet promptly provides documentation proving my consent for them to contract with me. In the absence of such proof, I insist on the removal of Nelnet from my credit report. 

Inaccurate Reporting as per FCRA : The inaccurate reporting related to my federal student loan account is adversely affecting my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request the immediate correction or deletion of any inaccurate information on my credit report attributable to Nelnet. 

-account number ending in XXXX alone has 3 different Dates opened being reported inaccurately on each credit bureau . in fact, all of your accounts are reporting inaccurate dates opened which has been harming my credit profile and this is the 3rd time I'm reaching out to you now. 

Given the lack of evidence of initial consent and the impact of inaccurate reporting on my credit standing, these matters are of utmost importance to me. I appreciate your diligence in investigating the fraud claim, but I must reiterate the critical nature of resolving these specific concerns.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated a wire transfer of {$10000.00} to a XXXX XXXX account to purchase an item. Shortly after sending the funds, I realized it was a scam. The person used a photo editing tool to make it appear he was in possession of the item for sale, when he wasnt. 

I notified my bank, Chase, immediately. They recommended I contact the recipient bank ( XXXX ). I then visited my local Chase branch, and the manager advised they could initiate a recall of the wire transfer. 

On Monday morning, I contacted the local XXXX branch to whom I wired funds to advise them of the wire fraud. A gentleman at the bank advised me that the account was flagged, and that the funds were frozen. 

I am now waiting for XXXX XXXX  to return the funds so that they can be placed in my Chase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX reported XX/XX/2018 for the amount of XXXX to be removed for their violation of my HIPAA rights. I never signed a HIPAA form authorizing them to access my records, yet they have obtained my social security number and other personal information without my permission. 

I have contacted the credit bureaus and XXXX XXXX XXXX to remove this multiple times since XX/XX/XXXX and all last year even sent in a letter to remove this false report still no actions have been taken. 
I am requesting that you remove all traces of my information from their system and investigate this matter further. Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent dispute on XXXX XXXX have not got the results. my report have a lot of inaccurate. can someone please look at it