23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Client, the daughter of the borrower, came to an agreement with a Select Portfolio Servicing representative to submit a payment in the amount of {$1400.00} which would have been sufficient at the time to reinstate the loan. Client submitted a payment of {$1400.00} via XXXX XXXX, which was returned back to her after it was received by SPS with the explanation that it was received on the XXXX  of the month and was insufficient to reinstate together with the late fee that would have been assessed. 

If servicer had processed that payment as promised, our Client would not be in default and would not be facing the fees and costs of a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXXIt shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Product: Debt collection

Im not liable for this debt with XXXX XXXX XXXX. I do not have a contract with the collection agency SUNRISE CREDIT SERVICE. They did not provide me with the original contract I requested.
Product: Credit card

I 'm complaining about Capital One Bank USA. I believe they 're inaccurately reporting a credit card account under my name. Specifically, they consider me a joint account holder when I was/am only an authorized user. This account was originally an HSBC-XXXX credit card account opened by my mother in 2003. The account was eventually transferred over to Capital One. I believe when this transfer occurred, Capital One began to erroneously categorize me as a joint account holder. They have no basis to support this characterization. Namely, they do not have the original application. If they do not have the original application, they can not accurately confirm how the card was applied for. The account was opened when I was only XXXX XXXX XXXX. I never signed the application. I 've complained to Capital One via telephone and through a letter but they have refused to help me.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this evening, and I have no clue how they got there. I routinely check my report, but this time, discrepancies just appeared out of nowhere. I even refreshed my browser thinking it was a glitch, but the errors remained. Im now requesting that the documents I've provided be reviewed carefully so I can put this behind me and never have to worry about this again.
Product: Credit card or prepaid card

As of today I have requeted three times for a replacement card of card number XXXX. Recently asked twice for a replacement card of XXXX. I requested for it to be delivered next day but I have yet to receive it. Also, I requested for a supervisor and that was last week and I have yet to received a phone call. 

I really need the card send overnight as it is affecting access to my money.
Product: Debt collection

on XX/XX/19, a balance for XXXX dollars was reported on my credit report by AR RESOURCES INC. Account # XXXX. The Original Creditor XXXX XXXX XXXX OF FLORIDA. I was never told I would be sent to a collection agency without an opportunity to dispute. I did not receive any document from this credit agency regarding this account. This collection agency reported me to the credit bureau without even attempted to contact me regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX : XXXX / XXXX XXXX TYPE : PERSONAL LOAN DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Checking or savings account

Capital One closed my checking account on me suddenly and withheld all my money leaving me completely stranded in a foreign country with money or way to get home. I didn't get my money back for over a month at which time they informed me I'm permanently banned from opening any Capital One checking accounts. THEN after they released my funds to me they said they miscounted I owe them {$100.00} because of a merchant dispute I had already explained it was not supposed to of been disputed by the agent who originally wrote the dispute for a separate change but she mistakingly added it to the dispute charges. NOW I'm banned from capital One checking for life for no reason. After leaving me stuck in a foreign country WITH NO MONEY OR WAY HOME FOR OVER A MONTH FREEZING MY SOCIAL SECURITY MONEY AND TELLING ME I'M BANNEDFOR LIFE AND I OWE THEM {$100.00} FOR THEM MISCOUNTING MY ACCOUNT BALANCE PAID TO ME btw I'm pretty sure there are laws against withholding people 's social security payments so if they still want to continue to falsely say I owe {$100.00} for capital one miscounting and keep me banned for life. I have nothing but time and I would love to hear what the courts would think of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans XXXX paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full founder 's federal credit XXXX paid in full through 3 part  collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 accounts and inquiries 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 accounts and inquiries : 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
Product: Mortgage

On XX/XX/2018 my mortgage transferred from XXXX to M & T Bank, the transferred escrow amount was {$14000.00} per XXXX transfer statement but M & T is unable to provide breakdown of where the escrow money went? Their total is lot less than XXXX and they are not providing breakdown of transferred escrow. M & T 1098 has escrow section which is showing amounts paid after XX/XX/XXXX and most of the funds as Miscellaneous, also the refund is counted twice and has double entry yet I received only once. There are huge mistakes on their numbers but they are not answering my concerns via messaging and are very rude over the phone. Please help me.
Product: Debt collection

Threatened to arrest me and take me to court told me to pay with a XXXX XXXX prepaid debit card for {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS!

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 118 ) days and no response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was paid to portfolio recovery solutions and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XXXX & it came back XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

My parents entered into an arrangement with Nationwide Debt XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with Nationwide, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until Nationwide believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, Nationwide failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his Nationwide Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of XXXX XXXX breach I want these items delete it from my credit report effectively immediately I am attaching proof that XXXX has admitted that I was in fact a victim of data breach and XXXX has done nothing please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

COMPLAINT AGAINST CITI BANK 'S FEMALE XXXX TEAM MEMBER Citi bank 's XXXX office people are equally crooked as their call center operators, and that is what the bigger problem is here. CitiBank 's crooked female XXXX opeartor has emailed me a single PDF response regarding CFPB complaint numbers Case # XXXX Case # XXXX Case # XXXX The content of the PDF response is misleading and contradictory to what the citi 's XXXX team member told XXXX over the phone. Citi Bank 's XXXX team member knew that the info provided to me by their call centere operators were wrong and misleading, she knows it... however it is her job to cover up those call center operators because otherwise it goes against Citi 's image so she had to say, everything is and was fine and follows citi 's policies. I am not XXXX, Citi! The exec 's email pdf response contradicts to what she told me over the phone yesterday. Citi 's female XXXX operator is herself lost fabricating stories to cover up the call center operators. 

Neddless to say, some concerens were not even addressed at all in the PDF response I received from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Free Annual Credit Score re : experian.com I have spent most of the afternoon with EXPERIAN on the web and phone trying to accomplish two simple things : 1 ) Placing a security freeze to my credit report. EXPERIAN was able to allow me to ACCOMPLISH this.
2 ) Obtaining my free, annual credit score. EXPERIAN was a DISASTER of circuitous, unhelpful links and phone numbers.
No one seemed able to help me or answer the simple question : how do I obtain my free, annual credit score, without having to purchase an Experion membership or contract. The last person with whom I spoke was rude and transferred me to XXXX number for Membership, which announced there would be over a half hour wait.
Thank you for looking into this and being there for all Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
Product: Mortgage

My husband and I had started working with XXXX when we moved to XXXX XX/XX/XXXX. We have since bought two primaries and two rental properties with him without any issues. When my husband and I started our divorce, I sought XXXXXXXX XXXX help with the refinance of our primary ( to be in my name ) and the rentals ( to be in my ex husband 's name ). 

We started the process in XX/XX/XXXX with getting the information together and explaining how we wanted everything divided. When they requested documents, they provided a portal that didn't work 90 % of the time. I constantly sent messages, emails, and screenshots explaining how it wasn't working and I was met with zero response. I had to keep trying throughout the day over several days to hopefully get my documents submitted. Sometimes I sent personal identifying information over email just to get it submitted to move the application along. 

Throughout the process of the refinances I had multiple questions that were never answered and left ignored for up to a week. I asked my ex husband if he was receiving the same treatment and he said no, that XXXX was very quick to respond to him. I made several requests for updated disclosures that reflected actual information so I could financially plan. I asked several times if we were doing okay on our timing because our rate lock was set to expire late XXXX. On the off chance I received a response, I was told we were okay. While I was sending payoff letters to him, the title company was ordering payoff faxes costing {$30.00} each to a total of 5. Some were unnecessarily a day apart and wracked up an additional {$180.00} in fees. 

We were set to close, we had successfully refinanced my ex husband 's rental properties and were scheduled to close on my primary the following Monday, XX/XX/XXXX. I was told signing on Monday was fine. Late in the afternoon on Friday XX/XX/XXXX, I was sent an email that our rate was expired and we had to pay an additional {$3000.00} at closing or {$50.00} a month for a higher rate. I was never made aware this was a possibility until it was impossible for me to react. 

Our situation was definitely more complex than a typical loan and I understand why it took months to compile the necessary information for underwriting. I chose not to continue my refinance with Castle rock mortgage because of XXXXXXXX XXXX inability to treat my refinance with the same respect that he treated my ex. Whether intentional or not he treated me as a less important client. His response to my unhappiness was to pay a tiny portion of the rate extension, but I had already decided I couldn't work with someone who showed that level of favoritism towards XXXX clients. I have yet to receive a response on how to get my bank fees returned from the unauthorized payoff faxes. 

XXXX XXXX XXXX Castle rock mortgage TN. XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXXXXXX
Product: Debt collection

ONLINE INFORMATION SERVICES reported debt to my credit report without ever sending me any type of communication that I owed the debt. On XX/XX/2019, I disputed this account with the credit bureaus and asked for debt verification. Per FDCPA, the debt collector has five days to send me written verification of the debt. I had no communication from the debt collector until I received a letter in the mail, dated for XX/XX/2019. Yes, the debt collector violated federal law ( for which the debt collector will be strictly liable ) by failing to send a debt verification to me within the time frame allotted by federal law. Additionally, the verification letter did not include notice of my right to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT apply for to these companies for credit
Product: Credit reporting or other personal consumer reports

There is an account reporting but I have never had an account with first citizen bank and trust. 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and first citizens returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with first citizens bank & trust so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my XXXX and XXXX reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.
Product: Checking or savings account

Navy Federal Credit Union, This banking institution will hold charges as pending for a week or more and show a false checking balance, if money is in the account even when transferring the exact amount to my checking, they decide to run and process the payments from a week before and either decline or overdraft the account and add an overdraft fee on top if it. I always move money over to pay for my items but, when i do they decide to run charges that have been pending for a while at the same time around random hours of the day and not at the same processing time. They changed the company rule to bot forgiving the Overdraft fees even when they see a deposit pending or money that was sent over but taken for the charge they decided to post very late.