23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises!!
Product: Credit reporting or other personal consumer reports

I have received multiple hard inquiries on my account that are not me. 
Between XX/XX/XXXX and XX/XX/XXXX under the name comenity XXXXXXXX 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

Dear  sir/madam I  had a credit card account with  MACY 'S DEPARTME NT STORE, Due to some personal issue I was unable to make my payment for some time but later in the year   XXXX   a collection agency sent me a letter on behal f MACY 'S DEPARTMENT STORE, Th e collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until no w MACY 'S still have it o n my credit report that I am still owing the debt. I attached a copy of the note on my credit report regarding the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Consumer Financial Protection Bureau Complaint # XXXX more than one month ago and always receive the same form reply 's and rhetoric. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item. Transunion and XXXX  have failed. They shuffle paper and feel as if they do their job. XXXX XXXX XXXX XXXX does nothing. I requested Transunion and XXXX to have XXXX XXXX XXXX XXXX to send proof of the permissible purpose used to access my credit report for fraudulent loan # XXXX and dated copy of credit report. 
XXXX  XXXX XXXX XXXX responded and verified that the disputed information was accurate as reported and result summary was sent to me. XXXX XXXX has refused to send result summary.
Product: Checking or savings account

I have an account with chime bank and I received direct deposits on the third of every month, which sometimes comes two days earlier. This month on XX/XX/XXXX I did not receive my payment of XXXX chime is insisting that they did not receive the payment. I spoke with Social Security. They verified and gave me a trace number saying that they actually sent the payment to XXXX XXXX, I also spoke with the bureau of fiscal services and they verified that XXXX processed. The payment chime has not posted the payment to my account and my account is still showing negative they keep telling me they did not receive the payment when they did it was processed on XXXX XXXX, 2023 and I have spoken to 20 different individuals at chime and no one can tell me what happened to my money. They say they have no way to trace where the money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed ( certified ) Equifax on behalf of my credit report reporting a fraudulent account opened not by me 2012 by XXXX turned over to XXXX XXXX XXXX the collection agency. I have filed fraud affidavit with both XXXX & XXXX. XXXX  and XXXX have removed this account. Equifax keeps sending my a request of proof of identity even after I have provided this ( copy passport and bill ) several times. Equifax has refused to remove and will not send me a copy of my credit report with them. This account has NO proof of me opening no signed contracted as required by Federal Law, no copy of ID, nothing but statements. This is not considered accurate by FRCA law.I want it removed and a new copy of my report sent to me as I keep requesting.
Product: Checking or savings account

My name is XXXX XXXX I need tho appeal Case update : XXXX Transaction ID : XXXX Transaction amount : {$100.00} USD Recipient email : XXXX Because I disagree with the decision its is fraudulent and unauthorized I didnt send the payment I want yall to reopen it or reinvestigated it or make a new dispute for it or change the dispute type for it or give me a credit for {$100.00} to my PayPal balance or investigative it again etc account email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX
Product: Credit card

I contacted the billing department regarding the amount of interest charged on my most recent statement. I had questions about the balance amount used to calculate the interest amount. I asked for the rep to help me to understand, but she refused. I then spoke to a supervisor named XXXX. She stated all that she could is open an " adverse action '', their inquiries department will research my concern and send me a letter within 30 days. I stated I am fine with this. At no time did I dispute this account or the balance owed. Less than 30 minutes ago, I received an alert of action on my XXXX credit report. Upon further investigation, I discovered that Belk reported that I disputed this account. This is false.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : RE XXXX XXXX XXXX XXXX am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was a victim of the XXXX XXXX XXXX. At no time did I apply for any credit products from XXXX. This account and any inquiries associated with this account as a result from the identity theft should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : 1 ) Identity Theft Report Proof of identity 2 ) a copy of my drivers license/other government-issued identification card/other ] 3 ) Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Student loan

Submitted a payment for 2 loans on XX/XX/XXXX. One payment would completely pay off one loan ( {$31000.00} in principle, {$5500.00} in interest ) and a partial payment to another loan of {$42000.00} ( {$11000.00} in principle, {$6900.00} in interest ). 

My payment history lists the amounts paid to both principle and interest. However, their loan detail and payment screen continue show that the interest has not been paid off. The payments were applied to the principle but not the interest. This is also seen on the loan screen of studentaid.gov. 
MOHELA has not been able to offer an explanation for this. I sent an electronic message but was I was instructed to call customer service. I called customer service in XX/XX/XXXX and XXXX but no one could explain my situation. Today, a supervisor told me to wait until the website was updated. This was due to the extreme workload they were receiving, even though the payment was placed 6 weeks prior.
Product: Credit card or prepaid card

I have an excellent credit score and plenty of available credit from numerous sources. 
Earlier this month I applied for a Macy 's credit account in order to take advantage of a promotional discount on a purchase ( sofa with a {$1700.00} cost ). 
The application was denied by Department Stores National Bank. Here is the explanation that they provided : " Unfortunately, after careful consideration, we are unable to approve your request for a new account. Our decision is based on information we received from one of our Citi affiliates that your relationship with Citi has been reviewed and we can no longer service accounts for you '' By way of background, I am in litigation against Citigroup and XXXX XXXX XXXX XXXXXXXX on a wrongful termination matter. 
This retaliatory action is clearly illegal under Regulation B, as is not germane to my credit standing. In fact I still have accounts with other Citi affiliates. 
Furthermore I am a senior citizen of XXXX origin. If this is not disparate treatment, then I don't know what is. 
I did in fact buy the sofa paying with another card without any issues.
Product: Mortgage

First of all, what financial organization has XXXX customer service? This is unreal?? Loan originators don't answer phone calls but will reply emails in real time?? I was told the refi process takes 3 to 4weeks. {$590.00} appraisal fee paid for on XX/XX/XXXX to loan originator..amerisave didn't order the appraisal till 15th.appraiser comes to my house, does appraisal and a week later, no report.Then they try to change the terms of the 15yr refi and offer me a 30yr loan that'll require me to pay more than what I pay for my current loan? Who does that?? .The loan originator informs me he quit and ill be assigned a new originator. The new originator never answers my calls but will reply emails in real time. I request a refund but I'm given the run around.Basically ill lose about {$200.00} if I request refund. Then I get a call that ill be offered the 15yr refi I originally requested and a new appraisal ordered.That was almost 2 weeks ago.The appraisal hasn't been ordered.Theres no one to talk to.Customer service number just rings and you get an automated answer. Loan originator won't answer his phone. This feels like a scam to me.If this is how XXXX does business, its a shame!! So its either I get shortchanged if I request a refund or I wait for this to drag on forever.those are my options. 
Thanks XXXX!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX alerted me to a hard inquiry on my XXXX credit report. This alert led to me check all other credit bureaus for new inquiries. While examining my Experian report I noticed that a hard inquiry had been made against that report also, on the same date ( XXXX ) but for a different company. The XXXX report showed the inquiry was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have dealt with that as a separate case. My Experian report showed a hard inquiry for XXXX. This is the inquiry I would like to address with this complaint. 
As stated, it was dated XXXX XXXX, XXXX. I did not make any requests for credit on that date or in the weeks prior. I also never requested credit from XXXX. I called XXXX ( the company ) and they were only able to confirm that there wasn't an account under my name/soc. sec #. and they advised that they wouldn't be able to provide any details on the inquiry. They suggested that I reach out to the credit bureaus to try and resolve the issue. I submitted a dispute with Experian and I am awaiting their update. In the meantime, I am following the same steps I was advised to take with the hard inquiry found on my XXXX XXXX report, and I am opening a complaint with CFPB so that I can provide the report number to Experian, if requested. I have also put a freeze on my XXXX and Experian credit reports.
Product: Debt collection

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My Identity was stolen and my information was used without knowledge or approval, and this account show multiple on my credit report and also sold to a collector. 15 USC 1602 ( g ) ( 2 ).
Product: Vehicle loan or lease

I had to voluntarily turn in a car I could no longer afford. The bank, Ally sold it at auction and told me I owed them the balance between what they got and what I agreed to pay for it. That's fine, and I am in a payment plan with Ally to fix that. However, the bank reported this as a charge-off on my credit reports. Contacting a human at Ally that understands my problem is impossible. If I am in a good faith payment plan, why does the bank characterize this as unrecoverable debt to the detriment of my creditworthiness?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I send out several letters regarding inaccurate and unknown items on my credit report, send out a Federal Trade Commission report to Equifax reporting agencies. Till today XX/XX/XXXX this problem has not been resolved. I feel like the reporting agency Equifax is taken advantage of ME and ignored my disputes. I demand these accounts be deleted from my credit report or I will file for litigation due to the stress Equifax has caused me.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Car Insurance Amount XXXX I got sick with XXXX which i had no control over i could not work once i was able to go back to work i paid vehicle off they told me once i pay auto loan off they will remove the account off my credit they never did Please consider having this removed off my credit my life was turned upside down due to XXXX I am trying to rebuild but this is a stumbling block I disputed this several times no action was taken it is included on all three credit reports XXXX, XXXX and Transunion thank you for taking the time to hear me out. Sincerly, XXXX XXXX 15 USC 1681 Section 602 A States I have a right to my Privacy 15 USC 1681 Section 604 A section 2 15 USC 1681 C. ( A x 5 ) 15 USC 1681 S-2 ( A x ) 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: Mortgage

In XX/XX/2023, I contacted my mortgage company because I had several life events making it impossible to make my payment. ( I was a victim of a XXXX XXXX XXXX and spent 5 days in XXXX  with medical bills exceeding $ XXXX. I am a designated XXXX XXXX victim as this XXXX  is being XXXX  by the FDA. Prior to that, my husband moved out/we separated and then he lost his job ) During that call in XX/XX/2023, PHH Mortgage stated my account was in excellent standing and I could defer 3 months payments ( XXXX, XXXX, XXXX ) and then defer that unpaid amount until the end of the loan or until I sold the house. I asked multiple times if there was a penalty and confirmed that when I resumed payments I would not owe for these 3 payments all at once. The PHH representative assured me the amount would be deferred until the end of the loan. She stated PHH would suspend XXXX withdrawals and then I would just need to call in at the beginning of XX/XX/2023 to get XXXX set up again. PHH THEN SUSPENDED XXXX PAYMENTS. 

When I called PHH at the beginning of XXXX, I was told my account was in default and they could not set up XXXX. They would also not accept my regular loan payment amount and said I had to pay $ XXXX. Which of course I didnt have. 

Since then, I have called PHH more than 10 times asking for a supervisor regarding the original XXXX agreement. No one ever calls me back. I have been promised on 3 occasions that my issue has been escalated and a supervisor will call back within 24 to 48 hours. I have not received a single call back. 

Then, PHH sent me a notice advising they would modify my loan if I agreed to do so by XX/XX/2023. But the agreement doesnt include the amount of the new loan, doesnt outline the fees, doesnt have an amortization schedule and doesnt state whether or not there is a penalty for paying off early. I have called multiple times asking for this information. No one can provide it. I have emailed the relationship manager but have not received a response. I called and scheduled a meeting with the relationship manager. Her earliest availability is XX/XX/2023, which of course is after this offer expires. 

I called 3 times today because today is the deadline and no one called me back as promised. My calls go through but then the outgoing message states PHH is experiencing high call volume and the call disconnects on me. 

I need assistance because I am getting no where with this company and am terrified I am going to lose my house.
Product: Debt collection

JP RECOVERY INC # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. 

Are you ( JP RECOVERY INC ) Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note I do not recall as ever having done any business with your company! Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. This is a violation of my pricacy
Product: Credit reporting or other personal consumer reports

I have multiple accounts on my credit report from XXXX XXXX  i have disputed them all they all come back saying they are accurate however no proof of debt was ever produced just a response that teh reporting was accurate and no proof of an investigation
Product: Student loan

I am writing to formally request the discharge of all outstanding student loan balances associated with my account and a full refund of all payments made to date. Despite multiple attempts to rectify this issue through your customer service channels, my account continues to reflect the incorrect name XXXX XXXX XXXX, which is not my legal name. My efforts to resolve this matter via your automated systems and customer service representatives have been met with significant delays and inefficiencies. 
Incorrect Account Information The persistent inaccuracy of my personal information constitutes a significant breach of contract and raises serious concerns regarding data integrity and privacy. 
Misrepresentation and Breach of Contract In addition to the above, I believe that I was subjected to misrepresentation during the loan origination process. Specifically : Misleading Information : I was not adequately informed about the terms and conditions of the loan, including interest rates and repayment schedules. 
Lack of Transparency : Critical information regarding loan fees and potential penalties was not clearly disclosed. 
These actions are in direct violation of consumer protection laws and constitute a breach of contract. As a result, I have experienced undue financial hardship and stress.
Product: Bank account or service

I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681section 602A. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report. After reviewing my credit report, I believe there are some errors that need to be corrected. I request that you verify the information below to ensure it is not untimely, inaccurate, unverifiable, or incomplete. For your reference, I have enclosed copies of the relevant documents such as my dl and Proof of recidency that support my claims. Please investigate these matters and correct the late open and remove the charge off listed on my credit file as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate my dispute and respond within 30 days and send me an updated copy of my credit report once the investigation is complete. Specifically, I ask that you correct or removed the following accounts : 1. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
1. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.