23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I became a victim of identity theft involving my Capital One credit card, which led to an account takeover. The first incident occurred around a year ago when my card, which had a balance of about {$6000.00}, was maxed out with fraudulent transactions. I rarely use the card but regularly paid my bill. After discovering the unauthorized charges, I contacted Capital One, and they assured me the fraudulent transactions would be removed. 

However, about 45 days later, I checked my account again and found more unauthorized transactions, despite never having received a replacement card after the initial incident. When I contacted customer service, they told me that the fraudulent transactions were made using a virtual card. I had no knowledge of these transactions or the virtual card. 

I have always paid my bill early or on time and well above the minimum, but my minimum monthly payment has now increased to over {$1000.00} due to these fraudulent charges. Capital One is refusing to remove the disputed transactions, claiming that a merchant provided proof that I made the purchases, which I did not. This situation has left me unable to make my payments and caused significant financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX and bought a used XXXX XXXXXXXX. Walking into the facility, I was already approved by XXXX for an auto loan. All I had to do was get the total estimate and they would write the check and one day ship it to the dealership. When I was sitting in the seat, I got a notification and it said my credit had been ran. I asked the XXXX XXXX about it and he said oh we run it one time just incase your check doesnt go through.After a couple of weeks, I receive a letter in the mail from XXXX XXXX XXXX saying I was denied a loan from the dealership when I was never financing through them and had a loan. And then I had 2 hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/NELN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

My monthly payment to Navient is {$390.00} for two consolidated loans under FFELP was up to date.This payment contract stated in 2006. Ive been making regular payments with a couple of deferment interruptions. I started an inquiry about delaying payments until I was able to pay again because I was having temporary hardship. I was informed about an ( IDR ) and received an email. Thats when I realized I preferred a deferment, and made a second call, then I was offered immediately a forbearance that would stop payments until XXXX and resume again at a lower payment for two years @ {$250.00} month. After the two years, the payment would go up to XXXX for 155 months. The after the 155 payments, one payment @ {$450.00} for one month. I requested the representative from Navient to email me the contract before I make a decision and before I send in verification of income. The representative told me the forbearance was already in progress and that my payment was stopped until XXXX. I told the representative to hold off on the forbearance because I didnt like the terms of the new contract and that I wanted a deferment not a forbearance. She continued to read the script that my payments were stopped until XXXX and that payments have been lowered for two years. 
I made several attempts to get the forbearance removed but they continued to read me the script. The issue I have is that I will be starting this contract all over again with another collection agency and where I will be repaying back more money then if I had stayed with the contract in 2006. I do not want the forbearance and how can they make me accept this when I have not agreed verbally and without a signature. I will not accept this bullying and predatory lending disguised as an option for help when there is a real need for help. It makes you feel so vulnerable and hopeless in trying to get a real resolution that fits my circumstance. You heard the old saying to be thrown under the bus. Well in the case with Navient, they seem to throw everyone in front of the bus and keep running the bus back and forth over them with no compassion.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

On XX/XX/22 I was notified by mail that my property taxes were not paid from my escrow account with Flagstar Bank by XXXX County Treasurer. I contacted XXXX County to confirm no payment was received. 

I called Flagstar Bank on XX/XX/22 & XX/XX/22 to try to get them to pay the amount of XXXX for property taxes. They kept saying they paid it without any proof even after I notified of the deliquefy paper. They refused to paying it and said it was my problem.
Product: Debt collection

Received telephone calls from Dynamic Recovery Solutions ( Dynamic ) alleging XXXX very old debts are owed, and it is attempting to collect payment. It is alleged I obtained XXXX XXXX from/amount/date:1. XXXX, {$160.00}, XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XXXX, {$320.00}, XX/XX/XXXX ; XXXX. XXXX, {$290.00}, XX/XX/XXXX. 

I advised XXXX XXXX from Dynamic that I do not recall receiving verification of any of these very old alleged debts. Obviously nothing within the statute of limitations. She advised that the statute of limitations means nothing and they can still attempt to collect a debt. The calls are harassing, especially since the statute would have expired,
Product: Credit reporting or other personal consumer reports

I'm submittng this complaint once more to ensure that the data reported on my credit file is completely accurate. I believe that there's an account that is confusing and lacking in detail. Therefore, I kindly request an investigatigation and correction for this account : XXXX : XXXX XXXX XXXX Balance : {$7700.00} TransUnion : XXXX XXXX XXXX Balance : {$0.00}. Again, there are multiple inaccuracies associated with this account. The balance is incorrect, and there are inaccuracies regarding late payments. I have never been late with my payments. In accordance with the Fair Credit Reporting Act, I will need to request evidence of the last payment and payment history. I kindly ask for your prompt verification and correction of this account.
Product: Mortgage

Good morning, Acct # XXXX name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX , XXXX , Pa XXXX. My mortgage is with Nation Star Mortgage. The facts of my complaint are as follows : under RESPA a mortgage company is required to remit overage paid in escrow upon notification and proper due diligence. I have such an overage and I notified Nation Star Mortgage as soon as I received a letter from the county clerks office. Nation Star instead of following standard procedure botched the process and the county office did not remit my payment as required. Additionally, I have a cease and desist order on, my account. This means all communication must be done via mail ; Nation Star continues to harass me with solicitations and on XXXX Nation Star representatives called me XXXX. I need them to fix their incompetents and correct my escrow as soon as possible. Please have them stop call me. 

Thank youXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or 120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Debt collection

I called them and tried to settle the debt, they did not allow me to stating they must have the last four digits of my social security number. I asked for other verification methods, they asked for my full name, address and reference number which I provided them. They then said thank you and asked for my social again, I stated I was not comfortable giving that information and they said Im not able to talk to you then. This is misrepresentation, they gathered information about me under the pretense that I was going to be able to settle my debt, then did not allow me to do so. I told him I do not want any information from him other than, If I pay you {$350.00} will that settle the debt? He said he will not talk to me about any single detail without my social security number, continued to talk over me and then stopped talking, the call continued for five minutes in silence and then he hung up the phone :
Product: Credit reporting or other personal consumer reports

Over 95 days and still can't fix my account but have steadily push unwanted high interest rate cc 2 today in sunday
Product: Checking or savings account

Never opened this account. Suspect fraud with Wells Fargo. No one will help me. Wrote letter. No response.
Product: Money transfer, virtual currency, or money service

Wells Fargo has 2 Cashiers Checks which were lost/stolen. Their Bank at XXXX XXXX XXXX  XXXX in XXXX, NV refused to cooperate to locate the funds as the Branch Manager asked me to leave the Branch and called building security. 

The check of {$1500.00} is serial number XXXX, Account XXXX payable XXXX to XXXX XXXX and {$7000.00} serial number XXXX, Account number XXXX issued XXXX payable to XXXX XXXX. 

The Bank needs to trace the funds to determine which Cashiers Checks are missing and re-issue them. 

The {$7000.00} Check is from the XXXX, NV Branch on XXXX XXXX. 

Both Branches have not re-issued the lost/stolen Checks. 

The accompanying checks were cashed by me and other checks were issued ; these are the checks lost/stolen.
Product: Checking or savings account

On XX/XX/2023 I was informed that my bank account was closed for no reason. I had at least {$400.00} in my account that I desperately needed but I wasnt able to touch my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loss of credit information confidentiality due to corporate negligence on the part of Equifax, date unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$640.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I filed a dispute for a charge made on my account of {$5700.00} that I disputed because the company did not supply the service I paid for. XXXX asked me for documents which I sent in. Then they reversed the charge after receiving information from the seller. I then sent in a large packet of information to dispute the charge on XX/XX/2023 directly to their dispute office in writing because after contacting XXXX they stated to send the dispute in writing. I also sent in proof that I reported the seller to the Fair Trade Commission, I sent emails begging for the seller to give me what I paid for. I sent a receipt for paying for the service from another company to complete the service and I have not heard anything from XXXX and the charge is still on my account.
Product: Credit reporting

All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax XXXX XXXX XXXX XXXX- XXXX two times XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX- Equifax XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to get into my Experian account. I was informed repeatedly my password was incorrect and I was instructed to change it. I tried NUMEROUS times to change my password, but each time I was told it was incorrect. I tried calling their help line. There was ABSOLUTELY no way I could reach a person to assist me. I then emailed them asking for assistance. It too, was a merry-go-round. Never was I able to connect with a person who could respond. I remain locked out 5 days later and have been informed by the loan officer I am working with that they will close out my loan application if I don't resolve my issue with Experian. One issue that may be making it difficult for me to negotiate their site is the fact I can't enter my account to check to see if they have my cell number. Please get this business to contact by phone XXXX XXXX XXXX or text XXXX XXXX XXXX or email me XXXX XXXX XXXX XXXX
Product: Checking or savings account

My purse was stolen and the thieves were able to make several fraudulent transactions with my cards before I could stop them they stole around {$7000.00} from me. I tried disputing with the different merchants first and advised them a police report was filed, the merchants referred me to my banks to file disputes with them, which I did. I was told I would get my money back, then when it came time to provide the funds they denied my dispute saying that they validated the transactions as authorized by me which impossible because I didnt make or approve anyone making those transactions. They wont provide me any specific details on how they came to their investigation decision. Theyve given me wrong/deceitful information every time Ive spoken with them which has been multiple times a day for the last 10 days. Then before even giving me the results they sent me an email telling me they were closing my accounts with no explanation again..Credit Karma spend account is the bank I am struggling with, its not my usual bank however I had my tax return deposited through them this year & I will never do business with them again after this. Its terrible enough to go through something this violating & then to have my bank whos supposed to protect me and my assets just disregard all responsibility makes me physically ill. Seems an awful lot like a pretty huge scam on their end.
Product: Debt or credit management

I have been called incessantly by at least three numbers [ ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX ] telling me that they are debt collectors for XXXX XXXX XXXX XXXX XXXX XXXX  They were evidently aware that I do, in fact, have debt from XXXX XXXX, as well as the appromate amount ( the number they quoted me was off by about {$75.00} ). I have been ignoring the " debt collectors '' for quite a while due to my difficulty finding the money to pay off the debt. When I finally was able to reach out to pay, a few things were off : they offered with no prompting to reduce the amount owed from around {$3100.00} to {$2500.00}, so long as I made the payment that same day. While I wish our medical industry were so generous, we all know otherwise. When my family member called them back, she asked if they could reduce it further and they said to " make an offer. '' They then said that they would check if they could accomodate the adjusted price and would contact us in a couple days. It became more and more clear that something was off, so I called XXXX XXXX to ask which debt collectors they work with. Obviously this XXXX based scamming opperation was not one of them. XXXX XXXX gave me the phone numbers to the debt collection agencies they work with.
Product: Mortgage

I want to report to the CFPB, and warn other potential customers, about the worst possible experience with " XXXX. '' Based on my experience, I believe this company is a scam. I have secured at least a dozen mortgages/refinances in my lifetime, and this was the worst experience ever. Do not use this company under any circumstances. I applied for what should have been an easy refinance in XXXX 2016. As of the end of XXXX, XXXX Mortgages had still not gone to closing on the loan. This was a loan to value ratio of only 45 % as the property appraised for more than twice the amount I was borrowing. I was exceptionally well qualified. I provided over XXXX pages of documents, and replied to every request for information within a matter of a few hours. There was absolutely NO delay on my part. After collecting my {$500.00} deposit, XXXX would disappear for days or weeks at a time, or would keep digging deeper into the documents to ask yet another question. There was no end to the delays. The loan supervisor admitted that this should be an easy loan, that I was exceptionally well qualified. I reached a point where I was calling everyday. This became my second job! After three months, and no closing in sight, I told XXXX that I just wanted my {$500.00} deposit back and that I would get a mortgage elsewhere ( which I easily have done at a local bank ). XXXX approved the {$500.00} refund and even sent me a " receipt '' for the {$500.00} credit to my credit card. Guess what? I still have n't received the credit! Another fraud. This company should be shut down.
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 : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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.