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

In XXXX of XXXX, my main source of income went bankrupt due to COVID. I was able to pretty much stay afloat until late fall XXXX and early spring XXXX, when I ran into a bit of trouble. Id applied for a second PPP loan, which was delayed by at least four months. I expected it to arrive within a few weeks, like the first loan did. So I experienced a hiccup in income.

I contacted you CapitalOne and asked if there might be any payment arrangements that could be made due to COVID, and thankfully, CapitalOne very graciously worked with me. I got back on track.

I recently looked at my credit report and was shocked to see that my account was reported as late earlier this year for two months. These are the months when I believe Id communicated a payment arrangement. At no time did any representative indicate that adverse credit reports would accompany the COVID relief that Capital One provided. This feels very fraudulent. You can't offer someone help and not tell them that the account will be simultaneously reported to the credit bureaus. If I'd known this, I would not have accepted the offer of help, especially because I was being responsible! 

I wrote to CapitalOne directly to request the same action, but got back a form letter that just said, " the information is correct ''. 

I believe that Ive paid my account on time for XXXX percent of the 17 years that Ive been a Capital One customer. I even set up autopay to ensure that I always made my payments. If Ive ever had any other hiccups, its only because I changed my debit card and simply had to update the card on the autopay arrangement.
Product: Credit card

XXXX XXXX XXXX  This is XXXX that i sent you before. 

Submitted on XXXX  Product Credit card Issue Problem with a purchase shown on my statement And then, i got a reply you that the company ( XXXX ) has responded to my complain on XXXX XX/XX/XXXX .Also XXXX admitted to this XXXX XX/XX/year>. 
I did sent by mail to you XXXX Claim Form delivered by XXXX and also have the copies. 
However XXXX hasn't refund me $ XXXXused for fraud in my Bank account still to this day. 
XXXX should refund and handle this matter as soon as possible. Could you please tell XXXX when XXXX will refund me? 
Also i can't log into my account of XXXX for this past month as the reason of System Maintenance.i 'm mentally tired.i can't believe the way XXXX do it. 
i'd like to ask you for your help again. 
Best Regard Thank you alwaysXXXX XXXX
Product: Mortgage

My Mortgage has been transferred to the fifth third bank from other Mortgage lender that the builder had sold my loan to. Fifth third bank has been harassing me to buy an expensive liability insurance since the HOA did not renew the liability insurance. I have been calling the HOA to get this rectified and they purchased this with the start date about 2 months later than the expired date. The bank checked this and again this time added an additional {$800.00} as protection insurance on my escrow for the whole community. This has not happened to many other people who have similar loan from the bank. Bank should have directly interacted with the HOA instead of harassing me for the liability insurance which lapsed. Also it is unfair to add an additional XXXX to me when I followed up with HOA to buy the insurance and moreover there are many other homes in the community with the mortgage from the same Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two recent inquiries to my Experian account that I did not initiate. I tried to call and you can't connect to a live person.The phone number only has automated answers. No email or chat options. This is beyond frustrating. Your credit report is one of the most important docs to a person. It affects everything. The law should require adequate access to live help. You can never get through to anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputing : Account : Frost Arnett On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with Frost Arnett who is reporting negative information to my credit profile. In my first dispute, XXXX  and Frost Arnett failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter. 

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX  and Frost Arnett 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to XXXX on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes over the last year with Transunion over various issues with my credit report. I have either not received any response at all, which legally they are supposed to delete the disputed items or they are just returning a response that says items have been verified with no substantiation. I believe they have red flagged my account because they breached my personal information after it was supposed to be locked in or around XX/XX/2019 for which they admitted. Although they resolved the issue Transunion has barely if not at all properly handled any of my disputes. Luckily, I have my receipts as well as additional information I received about their handling of my account as I may have to seek a third party legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within XXXX XXXX gives a reason to immediately remove the items I pointed out in my letters that I sent over XXXX XXXXs ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 
pelieve these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX he following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX he following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against CITIZENS BANK. INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Student loan

On XX/XX/XXXX and XX/XX/XXXX Nelnet opened XXXX loans on my credit report. They notated that all of these loans which adds up to over {$23000.00} was each a separate loan. Nelnet also put my date of last payment as XXXX. Then charged over that and made it a negative balance. I do not owe any student loans. I did not receive any funds from these loans. Nelnet bought these loans from Great Lakes thinking I would pay it. Again I didnt receive any funds these loans were reported as fraud. I did not open XXXX loans. I did not open any loans. XXXX XXXX charged loans XXXX or 4 times and never sent me the funds they distributed these funds to someone elses bank account. Again I did not receive any funds from these loans. I did not sign any documents for these loans, and these funds were obtained fraudulently I do not owe Nelnet and now they have damaged my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information
Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today XX/XX/XXXX to TransUnion about an account I've tried to dispute with them since XXXX. I was told to try getting proof from the creditor that it wasnt my debt or work it out with them. The company I'm referring to is XXXX XXXX. In XX/XX/XXXX, I was sent to Trans Union fraud department. I was asked to send in evidence that I contacted them for proof of my debt.I actually sent certified mail to XXXX XXXX. So, I send over evidence by letter with pics of my original letter to XXXX XXXX, the certified card from post office, the response from XXXX XXXX which had no proof or validity, only a bill. I'll attach it to this complaint. I never heard back from Trans Union 's Fraud Dept. 
When I called today, I was told that back then, they found that my letter showing proof of non-validation couldn't be used. They said they contacted me numerous times, but I never got a thing from them. If I did, I would've asked them what I could actually use, since that's what they asked me for originally. I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about th same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers.  Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. 

So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and Trans Union are falsely reporting on my credit file. 
That's why I'm filing this complaint. 
I've also attached the new letter I sent them yesterday via upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact Experian states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with Experian 's comments that " after investigation, the item remained unchanged and that this meets the FCRA ''
Product: Student loan

I graduated in XXXX after getting an XXXX from XXXX I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in XXXX and I sought work out of the home to take care of my son. In XXXX I filed for Chapter XXXX because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around {$35000.00} when I graduated in XXXX, is now almost {$150000.00}. I am almost XXXX XXXX XXXX and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working XXXX jobs. Wow what advice. I have applied for XXXX jobs, for government jobs and even the XXXX. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.
Product: Mortgage

My current mortgage servicing company is Capital Mortgage Services of Texas, XXXX XXXX XXXX  XXXX, XXXX Texas XXXX ( XXXX ) XXXX. I am in escrow to refinance this loan with a mortgage lender. The Title company and myself have made several attempts to contact this servicer for a payoff demand and we have received no response, other than a loan sales person attempting to sell me a refinance from their company. 

Capital Mortgage Services of Texas is preventing me from closing escrow and threatening the lock on my rate to expire.
Product: Credit card

My US Bank Credit Card APR interest went from 25.49 % to 31.79 % after being a few days late with my monthly payment. I paid the payment during the month it was due. I am now being penalized 6 months until XX/XX/XXXX [ beginning XX/XX/XXXX ] at 31.79 % because of XXXX late payment that was only a few days late. I called US Bank on XX/XX/XXXX after reviewing my statement to learn of the increase in the APR to discuss the matter, and that is where I learned that I am being penalized for 6 months for one late payment. On a side note, since the interest rates in the United States have dropped, all my other credit cards have lowered my APR. I believe penalizing me for XXXX  months is inappropriate. Another note : my current balance is only a bit over $ XXXX, and I have already paid {$2400.00} in interest YTD.
Product: Credit card or prepaid card

Dear CFPB, I am writing to lodge a heartfelt complaint against Wells Fargo Bank for their mismanagement and disregard of regulatory authorities and customer grievances. I have previously filed seven formal complaints, providing my real name, but the bank not only failed to acknowledge their mistakes but also responded by stating that I hadnt provided sufficient information to initiate a dispute resolution. On XX/XX/XXXX at XXXX XXXX, in a conversation lasting 40 minutes ( I have recorded evidence ), I once again contacted Wells Fargo and provided all the necessary information regarding four transactions as requested. The banker assured me that I didnt need to make any payments during the dispute process and that my case had been submitted for resolution ( I have the recording as evidence ). To my astonishment, Wells Fargo bank harassed me with three consecutive phone calls tonight, asking for the same information. I informed them that I had already provided the required information just yesterday, and offered to play the recording for them. However, the bank insisted that I return goods from three months ago before they could proceed. What level of professionalism is this? Who should I return goods to after three months? Where is the return label? How can the seller accept a return? Is Wells Fargo playing a joke? Hahaha! I urge the CFPB to intervene with stronger regulatory measures. This bank has gone completely insane. They are better suited for comedy than handling banking affairs. Please enforce strict oversight to prevent this bank from causing further harm or going bankrupt, which would affect more people. Thank you. Sincerely
Product: Debt collection

Received update on my XXXX XXXX account of outstanding debt collection of {$430.00}. 
Received mail from debt collector ( Online Services ) which included bill from XXXX XXXX. 

Account information as follows : Account Number : XXXX Customer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Invoice Number : XXXX Referral Id : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Amount Due : {$430.00}. 

I was told by XXXX XXXX that the account was no associated with any phone number, but the email was : " XXXX '' I submitted a claim for the same amount and with the same account number last XX/XX/XXXX and the debt was cleared. 

I live in XXXX XXXX and have been living here since XXXX. This debt is not mine. This is a repeated fraud incident.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven y
ears.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.