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

My direct deposit with capital one is normally deposited Thursday morning before XXXX. I havent received my deposit and didnt know there were issues I found out on XXXX XXXX Apparently, there is an issue thats affecting deposits of over 1K people.
Product: Mortgage

I purchased a home with a VA loan as a qualifying widower of a XXXX veteran. 
I signed this home loan purchase at the documented monthly payment at a much lower rate than what it currently was. In XXXX of XXXX  I was sent a notice of change in monthly mortgage payment. To be due 1 year and 2 months after I purchased my home, I was sent a change in mortgage monthly payment amount, due by XXXX/XXXXXXXX only the month prior. They also didnt include the property tax exemptions for being XXXX into the increased note. AND I was told the payment was going to be due on the XXXX of the month. Which is around my payment date. It is due on the XXXX monthly. 

They increased my monthly mortgage payment from {$1200.00} TO {$1900.00} They approved and signed my loan at XXXX $ a month. Then told me they didnt add something into the loan at purchase agreement which caused the increase to XXXX XXXX 
That is their fault. 
They approved and signed the same papers I did. 
XXXX $ wasnt the loan note that I signed, nor did they. 
We signed for XXXX XXXX 

My incomes are- Social Security Disability DIC Widows Benefits VA Through my child who was a dependent of the deceased XXXX veteran and receives Survivors Benefits- Social Security Survivors Benefits ( They counted this as my income ) Because of my child getting survivors benefits, I get Social Security Widows- Social Security Widows Benefits My house was purchased with these FIXED incomes. With a VA Loan. 
I am XXXX myself and receive my own XXXX. The 100 % XXXX veteran ( prior to death ) whom I am the widow of is the reason I qualified for this VA Loan and the reason I get Widows benefits payments from the VA and Social Security. 
Meaning my income does not have room for a large budget change. I can not make overtime or get a higher paying Job like others could to pay this extreme increase. I also know that my income is not taxable. But I do not know exactly how that would help or not help me in this situation. 

I am a XXXX surviving widow of a deceased XXXX veteran, who was injured serving this country ( USA ). 
My tax exemptions were not included on the new increased payment amount. 
And my childs benefits were counted as part of my income from what I can tell. 

How can they increase my payment by such a large amount? To pay this note, I am having to get rid of my vehicle, and still owe money on it although it will no longer be mine. So basically a repossession. I can not pay my credit card bill, nor my student loan. 
They approved and signed my loan at XXXX $ a month. Then told me they didnt add something into the loan at purchase agreement which caused the increase to XXXX XXXX 
That is their fault. 
They approved and signed the same papers I did. 
XXXX $ wasnt the loan I signed, nor did they. 
We signed for XXXX XXXX 

I am XXXX, a widow who has a child and I have a VA Loan. 

How is this legal and why cant anyone help me with this company? 

My loan should be reduced to the monthly payment that they approved and we signed for at purchase. 

Back to XXXX $ and NOT XXXX $ I AM STRUGGLING TO MAKE ENDS MEET! 

*HomeLoanServ- mortgage company. *
Product: Debt collection

I recently found out having to have my credit checked that I was a Victim of Identity Theft. identity thief used my personal information without my permission to open an account with Capital One. After sending in my Police Report and other affadavits to XXXX XXXX, XXXX and XXXX and has now put this Creditor on, as Charged off as XXXX XXXX
Product: Student loan

I filled out my IDR information on studentaid.gov in XXXX or XXXX. Navient told me I needed to submit more information ( in addition to the tax information made available through studentaid.gov/IRS ) XXXX I re-submitted my personal income information on XXXX XXXX, XXXX. I submitted all the same information to XXXX servicer, who set my IDR payment amount at {$0.00}. 

I called Navient on XXXX XXXX XXXX, and was told they have all the information to process my IDR ( including what my taxable income was ). I had to update my auto-pay information, and was told that I would have to manually submit payment for XXXX while my IDR request was being processed. I submitted my first payment of {XXXX} on XXXX XXXX, XXXX, and my Navient account stated that this payment was past due. 

On Tuesday XX/XX/XXXX, I received an email from Navient stating that the total amount charged was {XXXX. The online portal states that I will be auto-charged on XXXX XXXX for my XXXX payment, however, I was told by the customer service rep. that the {$XXXX} was for XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX
Product: Checking or savings account

I got a bank statement in the mail recently for the statement. XX/XX/2022 through XX/XX/2022. I never opened up an account with this bank but it has my name and address on the account. I called TD Bank and they connected me with their fraud line and I spoke to the lady she told me that she was gon na put a lock on the account and do what she had to do to close the account on her end and recommended I do this.
Product: Credit card or prepaid card

This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$7300.00} Late Payment XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two different accounts on my credit file that I do not know where they came from, I noticed that both accounts have a weird name like syncb/old navy and syncb/payP. I did my research online and it says that these accounts came from synchrony bank. I sent a letter to XXXX, XXXX and XXXX asking them to validate these accounts because I do not recognize where they came from and all that this company sent me is a copy of my credit report saying that the accounts were validated without providing me an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to these accounts but up to this day I have not received anything like that from them. These accounts are showing with a status of discharged in bankruptcy and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows that these accounts were open on XX/XX/2014 and synchrony bank as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it if they are claiming that these accounts belong to me. By law all information on my credit file must be 100 % accurate, without any mistakes.
Product: Money transfer, virtual currency, or money service

Paypal has closed my account for several weeks now for no reason and all my efforts to try to reach them to settle this has been futile as my funds were held with the account. I was advised to file a report on here as i feel paypal arent doing thier jobs properly and thats affecting me a great deal as i use paypal frequently and i have money stuck there. The email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  {$450.00} XXXX XXXX XXXX  {$3700.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$120.00} 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I opened an account at fifth third bank in order to deposit 20 US savings bonds that I purchased through a payroll savings plan through the XXXX XXXX XXXX XXXX XXXX XXXX. The total deposit from the US savings bonds was XXXX XXXX XX/XX/XXXX I received a letter stating they were closing the account with a statement that reads of a withdrawal of {$1400.00}. A debit reference number XXXX. On Monday the XXXX I went to fifth third bank to find out why they were taking out money and closing the account. I was informed that 8 of the 20 bonds were not recognized by the US treasury. Therefore I was committing fraud. I then got in touch with XXXX XXXX XXXX office for help. They informed me that all 20 of the bonds were cashed by the US treasury and that there was a problem at fifth third bank. I talked with the manager at fifth third bank, XXXX XXXX, and she claimed she would file a complaint. XXXX XXXX phone number is XXXX. 5/3 Bank has all the documents and will not return them.
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 {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my account.
Product: Consumer Loan

XXXX Toyota agreed to pay any remaining balance including any wear and tear of the vehicle. I received a bill from World Omni XXXX for {$230.00}. I disputed this in writing with both World Omni and XXXX Toyota. I have documentation in writing from XXXX Toyota advising me that a check was forwarded bringing my account to {$0.00}. Dispute my numerous attempts to rectify and World Omni refuses to remove the negative " charge off '' from my credit. It should be added on or about XXXX, 2016, a representative from World Omni unlawfully accessed my credit report to determine if my potential claim under the FCRA was justiciable. This is violative under the FCRA. World Omni failed to notify the credit bureaus when they filed a negative rating that the undersigned disputed the debt. They changed their remarks on my credit report after I advised I was going to bring a lawsuit to attempt to cover up from their previous violative behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple dates as follows : Date : XX/XX/2020 & XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX Date : XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX The companies mentioned above added derogatory marks on my credit report as per XXXX Upon further research, I discovered these accounts were transferred/sold and I ' am no longer responsible for said accounts. Debtor 's creditor did not verify these collections. 

Also there were NO written forms of communication, contract, or signature for the accused debit at all. A bill without a signature does not validate a debit and anybody can send a bill and say it is mines. According to the FCRA, Companies mentioned above has violated my rights as a consumer and I'm requesting legal action to remove these accounts.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from your bureau and noticed inaccuracies in the reporting of late payments on my account. Despite multiple requests to remove the late payments and update the reporting accurately, no action has been taken. Other bureaus have completed their investigation and updated the reporting accordingly. These late payments are inaccurately reported, and I believe there has been an error in the reporting. I want to emphasize that I have consistently maintained a positive payment history with the mentioned creditors. There were no late payments during the disputed period, and the current report does not accurately reflect my creditworthiness. I am formally requesting an investigation into the inaccuracies in my credit report. Please update the account instantly : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX, IL XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid and closed an CC with XXXX. For 9 months the account appeared as paid and closed. never missed a payment. 
Suddenly the CC gets included in a portfolio of Debt sold to someone with a balance. 
I complain when the Debt Collector uploads an account with a wrong balance not registering the payoff, result of the dispute, the debt collector account remains when they never verified the debt according to FCRA, and XXXX loads the same account and registered missed payments that I have never had. The debt collector after not being able to verify the debt and never provided binding documents, answered on complaint XXXX to the CFPB that he was removing it. and Experian does not remove it and in addition has the XXXX account that was never late and closed on XX/XX/2019. 
How can an account could have been late after XXXX, if it was already closed? 
Experian has had the time to validate this and failed twice. I am complaining about this abuse, and violations to the Law, in addition to any potential legal avenues.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I signed up for a XXXX Rewards Card through Chase. My reason for signing up was Chase 's promotion that if you spend {$3000.00} in the first three months you will get XXXX reward points. However, before signing up I noticed an {$85.00} annual fee, but their own website says {$0.00} introductory annual fee, then {$85.00}. 

The material from Chase 's website is attached. However, instead of waiting a year to be charged this annual fee it was assessed to me immediately. This is misleading and false advertising. I would have no issue paying the {$85.00} fee after I have the card for a year, but instead I will be charged XXXX annual fees in XXXX year. I attempted to resolve this informally with Chase, but they ignored my request. 

I actually like Chase, but this is XXXX time in XXXX months I have had to submit a Complaint for various interest/fee charges on Chase Credit Cards.Each time I have attempted to resolve it informally with Chase, but nothing was done and I filed a report with CFPB. I am an attorney California Bar # XXXX and although {$85.00} is not the end of the world this is deceptive marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit card

I recently did a credit report and realized when someone stole my identity. About 5 years ago someone stole my social security. Doing a credit check XX/XX/2024 I see that they're multiple things in my name credit cards, cars and other things
Product: Debt collection

I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when Autovest says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade first financial also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different information a spread it out so damage continues.