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

I have current premium checking which I had to upgrade and pay for had the account for awhile and I had some unauthorized charges come up and I filed them filed out there unauthorized charge form and sent it back in an email right away they said theyd be in touch its been over 10 buisness days almost 3 weeks and Ive heard nothing numerous emails Ive sent asking whats going on wheres my provisional credit if there investagating still nothing not a word back and I ask the people at support and there rude about it say they have non of that info disputes only does but I cant reach them so Id like my credits back in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

on or  XXXX   XXXX   XXXX  equifax,   XXXX   and  XXXX  took information from a    XXXX    2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of  XXXX  of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
Product: Checking or savings account

On XX/XX/2019 I received the letter stating that they can't do anything. I have received the copy of the checks from XXXX XXXX and currently have the tracer as Capital One cashed the checks back on XX/XX/2019. I would like to have a copy of the checks that was presented to Capital One from XXXX XXXX. Unfortunately those checks were never presented to XXXX XXXX  they were presented to Capital One for payment. I do not have an account with XXXX and they can not provide me with a copy of who cashed or deposit those checks. I would like to received copy of those 3 checks as my primary bank and also Capital One Bank received the checks for payment. I do have the right to obtain a copy of those checks you supposedly received for payment. XXXX XXXX XXXX have already obtained copy of those checks and they were only cashed and presented on XX/XX/2019 not on XXXX or XX/XX/2019 as Capital One stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX Inquiry Date XX/XX/2022 2022
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 items 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/block 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX  XXXX Balance : {$3700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On today 's date, government supplied stimulus check, received notification it was received but would not be accessible until XX/XX/XXXX. My grandson, who also has a Navy Federal account, was given access to his stimulus check on this date. I believe Navy Federal is withholding due to seeing payments to be made on XX/XX/XXXX due to my Social Security check being deposited on that date, and will try to charge overdraft fees if the money is not readily there, as some banks have been known to do. Please look into this, IRS Treasury 310 Tax EIP3 Routing number XXXX, available XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years. But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX XXXX XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. Please delete this account once and for all : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As mentioned I will be on standby for a True Bill, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its 5th bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in XXXX. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.
Product: Student loan

I have been paying this debt since XXXX to Navient for the student loan I took out to attend XXXX XXXX  ( a subsidiary of XXXX XXXX ). Never have I once failed to meet my part of the agreement between myself and Navient/Sallie Mae XXXX This XXXX when I tried to recertify my XXXX with Navient I was told that I no longer qualify for the program. Since the beginning of my dealings with Sallie Mae/Navient they have failed to properly apply/allocate payments and refused my instruction, or just not held their end of our agreement. First, they steered me into paying more than needed on the loan by pushing forbearance on me ; then they capitalized all of the interest on the back of the principal between XX/XX/XXXX and XX/XX/XXXX. They repeatedly tried to convince me to privatize the remaining loan balance through consolidation with the promise of lower interest-rates, which would have removed me from the loan forgiveness process. Every year they make recertification details unclear. This has resulted in increased payments, added accrued interest to my principal, and even worse; caused loss of both protections and progress toward loan forgiveness. I HAVE NEVER MISSED A PAYMENT EVEN DURING GAPS OF EMPLOYMENT, AND DURING THE ENTIRE COVID-19 PANDEMIC. I was at the brink of losing everything, and still made the scheduled payments. Navient has been sued for violation of the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. This organization has caused financial harm to countless consumers through their illegal ( and I would say criminal ) actions. The lawsuit against them included my home state of Florida, and the for-profit institution, XXXX XXXX  XXXX which I attended from XXXX. Once again : I HAVE NEVER MISSED A PAYMENT. Now I am being told that I no longer qualify to recertify my debt-forgiveness program. That I can not continue the XXXX which I have been in for over a decade now ; and would need to make less money if I hoped to restart the clock on my student loan forgiveness program. The only parameter I have not met is default of my loan. Now it seems that my honest effort to uphold my end of this entire mess is being snubbed because I made the personal sacrifice to do the right and honorable thing despite being lied to about opportunities that would be made available to me if I would only continue forward. This is beyond reprehensible. I am asking for some assistance in pushing back against this predatory behavior. It has been a struggle to make it this far alone. I need help. Please, some resources, advice, or actual legal and monetary assistance would be greatly appreciated to help me overcome this burden. Thank you. - XXXX XXXX XXXX
Product: Credit card

I asked instead of getting a refund that the extra payment be applied to the next payment. They would not do that even though I have done this with other synchrony bank credit cards. I have to talk with two supervisors to even get this done.
Product: Mortgage

I  XXXX   XXXX  files a dispute with the Consumer Financial Protection Bureau to request a review that my rights to a mortgage modification be protected. For approximately one year I had an attorney file two Chapter  XXXX  bankruptcy petitions on my behalf, when all along I could have been protected by the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,   XXXX  . There was no reason for me to be personally injured as far as my credit standing goes, since a mortgage modification would have been so easy to accomplish. For this reason, I want  Wells Fargo Home Mortgage on notice that I will be submitting a full modification package, requesting principal reduction and a placement of back interest to be applied on the back end of my mortgage. Since I will be request a modification package, I request that Wells Fargo Home Mortgage respect my rights and maintain a hold on any foreclosure notices as mandated by the Fair Debt Collection Practices Act. Accordingly, I place this notice so that the Wells Fargo Home Mortgage division is aware of the seriousn ess in my modification request.
Product: Debt collection

Transword systems Open balance on me for XXXX I have no idea about this
Product: Mortgage

This is a very long story but I'm going to do my best to stick to the pertintent details. All of this started with discrepancy with my property taxes. I went to the XXXX County Board of Assessors Office and reached a reasonable agreement to settle the property taxes. However, there was still an issue with the amount that they needed to correct. I notified my mortgage company to let them know before any problems were to arise. My mortgage company UWM ( United Wholesale Mortgage ) said I had nothing to worry about and thanked me for letting them know. All of this began just before the COVID-19 Pandemic Lockdown. I wrote a letter to UWM explaining the situation, as well as attaching supporting documents. I never heard back. I frequently called UWM to monitor the situation and asked them more than once if I should just pay the inflated amount and sort it out later. However, they said that I had to wait. I finally heard back in early XX/XX/2020, but it wasn't pleasant news. I received an email from UWM, stating that they paid my property taxes including an overage of {$1700.00} and that they were creating an escrow account, thus increasing my mortgage over {$1000.00} per month. To say that I was furious would be an understatement. To make matters worse I had inquired about the COVID-19 forbearance program but told the representive I wasn't interested if it would hurt my payment history and prevent me from having PMI removed from my mortgage. She assured me multiple times that it wouldn't. After looking into it, I decided that it wasn't worth it because they wanted all the money at the end of the 90 days, which is ridiculous. However, once again UWM found a way to extort more money out of me and told me I couldn't get out of forbearance. I paid them the money anyway but the held the funds in a " suspense account '' and continued to keep me in the forbearance plan even though I've been paying them on time every month. I am not behind on this mortgage and never was. I have paid this home down to 79 % which makes me eligible to have PMI removed but UWM keeps saying that XXXX XXXX won't let them drop the PMI, which isn't true. I truly believe UWM set all of this up just so they would have a reason to deny me the relief I have earned.
Product: Debt collection

Freedom XXXX is being sued for unlawful suits against several servicemembers, that is why they are going out of business for the harm they done. People are still trying to contact me regarding payment, I was involuntary discharged and I was told they would waive all debts. I guess not, I am being harrased every single day via email and phone.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts/promotional inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Creditor : XXXX  XXXX XXXX  XXXX  Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 2. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 3. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 4. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 5. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 6. Creditor : XXXX XXXX XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 7. Creditor : XXXX  XXXX XXXX  Inquiry Type : Promotional Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. Creditor : EXPERIAN Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ) Section 605 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 for crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 card or prepaid card

I am making this complaint on behalf of myself, and not through a third party. I have been trying to resolve this issue with Capital One since XX/XX/2021. I sent them a letter for them to validate the alleged debt they claim I owe which was received on XX/XX/2021. They did not respond to my demands pursuant to 15 USC 1692g. I am still awaiting them to send the correct information for me to validate this alleged debt based on the information required by 15 USC 1692g. Since that has not happened, I am disputing the alleged debt and requesting that it be removed from all company records and also removed from any and all consumer reporting agencies. I sent an affidavit of truth which they have not rebutted which contained details about how they have violated me with proof in exhibits. Capital one even went as far as closing my account with providing me any warning or information as to why they did when I simply requested information to validate the alleged debt. Capital One also opened a new account with my information without my consent. The original account ended in XXXX and this new account apparently ends in XXXX. Capital One 's responses to me have been insulting and I have lost sleep at night trying to figure out what to do to move forward and get this resolved. They have violated me and I am acting within my protected consumer rights. My reputation has been ruined by Capital One and their reporting fraudulent information on my credit report. I want this issue to be resolved swiftly as the longer it goes on the more damage I am taking.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - late/closed US DIST CT Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Checking or savings account

On XX/XX/XXXX my phone and wallet were stolen. I called Chase Banks customer service number using my wifes phone to cancel my cards the next day because their customer service is not open at night. There was a fraudulent charge on my account in the amount of {$350.00} within the next day. I made a claim and received a provisional credit. I then had to purchase a new phone and cancel all my cards. The investigation came back and they reversed the charge on the XXXX. I called them backed on the XXXX and asked for a reason why they reversed the charge, they indicated that since I received a text message with the verification code and sent the money that it is not fraudulent. Well of course, I didnt have my phone. IT WAS STOLEN. I was going to get a supervisor on the phone to better explain the reason and mid transfer, the representative hung up on me?? Now Im out of {$350.00} and I can not get a proper justification on why I cant get my money back. 

Chase is not professional and clearly avoided any reasonable investigation. I did not make these charges.
Product: Credit card

RE : XXXX XXXX XXXX XXXX/SYNCB account ending in XXXX Synchrony Bank sent me a letter dated XX/XX/XXXX informing me that : " After a review of your account, Synchrony Bank has decided to close your account. 
The reason ( s ) for our decision are listed below : * Activity on account with Synchrony Bank indicative of high risk of failure to pay. 

If there is a balance on your account, it remains due, according to the terms and conditions of the account. 
If you have any questions, please call the phone number listed below. 
Sincerely, Synchrony Bank XXXX '' Synchrony never previously contacted me concerning their concern that I may be a " high risk of failure to pay ''. 
There was a confusion when I made a payment from a closed account of mine because my checking account was hacked and a large amount of money was stolen. The Credit Union set up a new account for me and that is what led to me mistakenly making a payment to Synchrony from my closed account. I followed up by posting a payment from my active checking account but Synchrony had already closed my account with them. 
Synchrony informed me that the account would remain closed and that the credit line was removed. The account balance continues to be paid timely and no payment has ever been late. In fact, after Synchrony closed my account I made a payment of $ XXXX to show them that I was NOT a risk to them. But they refused to reopen the account and said that I would have to RE-APPLY for a new account. 
In the meantime, my Synchrony Bank account is showing up on my credit as having been CLOSED BY THE CREDIT ISSUER, which is being detrimental to my otherwise great credit record. 
I am hereby requesting that Synchrony Bank OVERRIDE their computer and reopen the account as it was before they took this detrimental action against me.