23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I reported fraud on my credit card issued by capitol one. First the call is outsourced and I had trouble understanding the persons English. They were not very well informed about fraud and how it was handled by capitol one. As of yet I have not received a new card or a credit. They say they only give a temporary credit until investigation. It is legitimate fraud. I caught it on my online. The charge is on my overall balance. 
Capitol one has been unhelpful. Unappreciative of my many years of patronage. I even have a large saving account with them. I have over 800 credit score. I feel violated by someone charging on my card. Capitol one shows no concern for me. Tardy service and all the way around bad business practice.
Product: Credit card or prepaid card

Received a refund from closing my XXXX XXXX XXXX account on a northlane XXXX pre-paid debit card. Unable to set up account on northlane site. Phones only offer standard push button # x for this service features. I was able to activate the card. When I try to log in, I am told I would be sent an email to reset my password XXXX. Never received said email. On XXXX XXXX XXXX 's website they state refunds may be credited to your credit card. This is what I desire. Crediting my {$77.00} to my XXXX XXXX, the same XXXX which was used to pay my XXXX XXXX XXXX bill. On XXXX & XXXX 's consumer forum there are many complaints about northlane debit card issues. Submitting a complaint to cpfb was one suggestion to resolve the problem of getting our money.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a check to my logistics company with amount {$54000.00}, and then they cashed it on XXXX. But on XX/XX/XXXX, this check was cashed again, it was someone I don't even know. 
I found this fraud at XX/XX/XXXX afternoon, which was Sunday. So I called to my bank immediately, they told me I have to contact my branch manager. And I did, but he was not able to respond my call or message. And I reported this case to local police the next Monday XX/XX/XXXX. 
This forgery check has exact the same check number and amount, but the bank still let it cashed. And the bank asked me to reach my branch manager when I found this fraud, but the branch manager was not respond me at the time. So I do believe bank should be responsible for this fraud. 
When I requested the bank to reimburse the fraud amount, they refused and told me it was not their fault, they don't take responsibility for that. 
My bank is East West Bank.
Product: Debt collection

I've contacted this company ( DCI ) 3 times by mail to get them to validate said debt and each response from them has not been a contract but a old phone bill from sprint. I did not contract nor promise them anything. I don't know or owe this company and they refuse to remove this negative account from my credit reports from all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I notified XXXX that XXXX XXXX XXXX was charging me fraudulent charges on my card # XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence to support my claim. XXXXXXXX had, nevertheless, damaged my credit rating because I refuse to pay fraudulent charges.
Product: Checking or savings account

I received the following text messages : FreeMSG : SoFi Bank Fraud Center XXXX For a purchase amount of {$260.00} $ at XXXX on XX/XX/24. If valid reply YES, fraud NO. To Opt Out, STOP. 

FreeMSG : SoFi Bank Fraud Center XXXX For a purchase amount of {$96.00} $ at XXXX on XX/XX/24. If valid reply YES, fraud NO. To Opt Out, STOP. 

XXXX is the number they came from. I called the number and I heard dogs barking in the background doors opening and closing cabinets opening and closing and then the person came onto the line and called me XXXX. That is the name of my XXXX.
Product: Debt collection

Company continues to negatively impact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX nothing to do with me or agree to validate supposed debt
Product: Credit reporting or other personal consumer reports

IM FILLING THIS COMPLAINT IN REGARDS TO THE ERRONIOUS AND INACCURATE ACCOUNTS REPORTED ON MY CONSUMER REPORT, IVE SENT A DISPUTE 30 DAYS AGO I WAS NEVER NOTIFIED OF MY RESULTS OR ANYTHING THESE CREDIT REPAIR AGENCIES ARE NOT UPHOLDING THE LAW ( FCRA+ FDCPA ) THIER DISREGARD TO FIX THESE ERRORS IS HURTING MY CHANCES AT CREDIT AND ALSO VIOLATION OF 15 U.S.C 1681 THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CREDIT WHICH THIS IS NOT ITS EFFECTING MY LIVING CONDITIONS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Dept of EducationXXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I reached out to Mr.Cooper regarding an increase in my mortgage with a new monthly bill of {$2200.00} that was scheduled for XXXX via telephone on XX/XX/XXXX. There was an escrow shortage in the amount of {$490.00}. I paid the shortage to avoid an increase. I was told to call back in on XX/XX/XXXX to give time for the payment to process and have a new analysis to be run, so that there will be no shortage and my mortgage would go back to the original amount. I called on XX/XX/XXXX and the person refused to run the analysis and was very rude. I sent an email on XX/XX/XXXX and a new analysis was ran ( doc attached ) which put my mortgage back to the original amount. 

I checked my account and see my payment due is {$2200.00}. I reached out to XXXX again via email and they responded by saying my mortgage will increase in XXXX because my escrow might be short in the future. However my bill has increased for the month of XXXX. However, my bill should not increase based on a possibility and should be based on the analysis and whether I currently have a shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX 2017, I applied for a job at the XXXX XXXX XXXX XXXX and I found out that the XXXX XXXX account # XXXX I no longer have any responsibility since my ex-husband refinanced it and took me out of the loan. It reports being open reporting up to 120 days of delay affecting my credit history and the possibility of obtaining work. Although you send the necessary evidence for this information to be corrected in the Experian agency, you continue to report incorrect information, determining that XXXX XXXX confirmed that the information is correct. The XXXX and XXXX agencies corrected the information. I request that the necessary attention be given to my case since this incorrect information depends on my possibility of a job that I request.
Product: Debt collection

i first contacted XXXX XXXX XXXX about the fraudulent account on my credit report. it was removed from XXXX but still remains on Transunion, and XXXX. I have been a victim and been fighting identity theft since 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX are amongst the list. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Credit card

I opened a Bank of America Credit Card around XXXX. I leave out of town for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didn't this account after XX/XX/XXXX. I found that my personal information and log in information was stolen by my previous employer and was used in gaining access to my personal email and laptop. He accessed my account, and my Bank of America CARD was compromised. for years as I travel so much. XXXX XXXX lived about XXXX XXXX from my house and would drive by according to the US POST MASTER and most likely access my postal mail. I learned of this XX/XX/XXXX, and I immediately returned to XXXX XXXX XXXX and filed a police report with XXXX case number XXXX. I didn't realize the gravity of the situation, so my first report was that he accessed my personal information. The second report was that he was stalking my family by driving by my home ( also added to that case number ). The third supplement was that he was stalking me and harassing me to this same case number. I still didn't understand what he was doing with my personal data, but then i started receiving mailers from creditors asking me to represent me in civil suits. It was then that I realized that severity of this matter and filed a fourth supplement to the details in the report ( same case number ). 

I have tried repeatedly to explain to BOA that I did open this card originally, but that the fraud charges were facilitated after XX/XX/XXXX are NOT MINE. I still owed {$2800.00} ( roughly ) to BOA, but the remaining balance you say I owe is NOT mine. I couldn't access my branch due to XXXX shutting down branches. It was a nightmare, so I let it go. I have tried to multiple agencies to get this resolved by myself, but it has fallen on deaf ears. I have filed cases with the FBI ( since the suspect left to XXXX ), The XXXX XXXX Police Department, the XXXX XXXX XXXX XXXX XXXX, Social Security ( Since my Ss was compromised ) and the US Post Master. I am asking to pay my confirmed amount and for them to see what there for the balance of penalties and interest is clearly. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seeking employment and my background did not go through although I have properly taken care of my legal matters
Product: Credit card or prepaid card

New Jersey law is as clear as day. Credit card companies are not allowed to have middle of the day deadlines to make payments. This and many other institutions have cutoff times of XXXX  which clearly go against the states policy. Yet when confronted with it they give full of hot air XXXX answers. I paid my balance in full at XXXX  which is after I got home from work. I informed them about the law and the basically scoff at it like Im a a moron. They hire people that dont understand or research the law. They dont have anyone intelligent get back to you. Ive been charged this fee at least 5 times. I do not care about their policy. New Jersey law is clear. I live on a budget with a XXXX XXXX. I pay my bills especially credit cards on the due date to make sure I have money for her needs. Im tired of this company and their ignorance. And yes after multiple attempts to make them understand I reacted less than acceptable.
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Mortgage

This loan reached it 's 10 year maturity date in XXXX 2016. The account balance has been at zero for over 2 years. I have been requesting that OCWEN file a deed of reconveyance for over 6 months. They now claim that i must wait another XXXX9 weeks while they perform a " chain of title '' research through a third party agency. Totally unacceptable. They have moved me to an " escalation manager '' who is totally useless.
Product: Credit card

FNBO closed my account without reason. Notified me that account would be reopened within a week but never happened. The bank does not send me statements, i cant pay online and now they wont take payments by phone. They ran a hard credit check on me without my knowledge and lowered my credit score. Bank will not provide me with an account number so i cant transfer to another card. They are trying to destroy my credit and Ive had enough. If I cant get help then Ill go to XXXX and settle it face to face. Im a veteran on XXXX XXXX XXXXXXXX for XXXX. I dont need this harassment. I will get resolution.
Product: Debt collection

No comment just let them this not belong to me i dont XXXX anything
Product: Debt collection

This is to inform the CFPB of a company by the name of XXXX XXXX XXXX that is treating the consumer to share this information with Midland funding in order to collect a debt I have addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXX has He's threatening to sell my information this is a violation and a breach of contract the company has dishonor by not accepting EXEMPTION XXXX XXXX XXXX needs to stop threatening to collect the debt the descriptions are in the PDF file provided by the consumer on this portal thank you
Product: Debt collection

I have sent a pay to delete letter to debt collector ( Credence Resource Management LLC ) and I have had no response from the debt collector. I proposed a payment of {$130.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and received.
Product: Credit card

Truist Bank convinced me to sign on to a Truist Credit Card in XXXX of XXXX. I reluctantly agreed. I charged a few transactions to this card including a car repair of XXXX dollars in XXXX of XXXX. In XXXX of XXXX I learned this card had been hacked so I visited my local Truist branch in XXXX, TN on about XX/XX/XXXX. I was told by XXXX XXXX that I should the number on the back of the card which I did. The person on that call told me there was nothing they could tell me ; that I had to go to my local branch which I did that same day. At the branch XXXX called that same number and after some time she told me the account was now closed and so no further transactions would take place on that card. However this closure did not occur and when I visited the local branch to pay off my transactions on that card I was told I owed XXXX dollars on that card. XXXX XXXX then called the XXXX department and was on the line with them for XXXX hours in my presence as they went through each transaction manually. This all happed on XX/XX/XXXX. I was told things would probably go my way. For the next few weeks I received letters from Truist XXXX XXXX regarding their investigation. In late XXXX I received a letter stating that based on the information they had they were not able to determine the transactions were fraudulent. So now I am stuck with XXXX plus dollars in debt that I have to pay off in increments for a long time or they threaten to ruin my credit if I do not. Yesterday, XX/XX/XXXX I spoke to reps at Truist XXXX department who confirmed this. I am asking for redress and resolution of this problem in my favor
Product: Credit reporting or other personal consumer reports

XX/XX/year> VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AR. XXXX Dear XXXX XXXX XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX
Product: Debt collection

Viewing my Credit Profile I noticed a XXXX  Phone Contract that is not mines or belong to me. I in fact have not received or obtained any service or goods pertaining to this invalid in accurate information reporting to my credit profile it is in violation of my fair credit reporting act. usc 611. and it is defamation of my profile reporting a balance of $ XXXX
Product: Debt collection

On XX/XX/2022, A representative from the company Capio Partners informed me about outstanding medical debt of XXXX dollars from last year. That debt has been paid off months ago, and i have receipts to back that up. I told the representative that much and insisted that i did not recognize the debt, but needed proof of his alleged debt. instead of taking a mailing address down, he claimed that his system was not designed to do that. he gave me the email address XXXX to submit my complaint. I humored him, but my email that conveyed the same info was bounced back to me. I do not believe this company does not send out written debt validation notice. Furthermore, i contacted XXXX XXXX and they have no business with that company. Capio Partners, at best, it is a second hand debt buyer running on bad information, with no means to scrutinize it. At worse, it is a scam, and needs to be shut down.
Product: Checking or savings account

Navy Federal closed my account twice for over charging for overdraft fees
Product: Credit card or prepaid card

I have had nothing but problems when trying to make a payment with Fifth Third Bank. I 've had to request that my online account be reset multiple times due to problems with their website. I 've tried calling but the system wo n't allow me to make automatic payments over the phone so I have to wait on hold for a ridiculous amount of time, and often times I 've been disconnected and have to start the process all over again. All of these technical issues have resulted in some late payments, numerous late fees, and now my credit report has been negatively impacted. The last customer service person that I spoke with was also informed about my troubles when accessing the account. I tried making my payment on the due date and could n't access the account, she then ADMITTED to me that the website has been having problems. I asked her to remove the late fee that I was charged but she refused, even after admitting that the website has been malfunctioning. Because of the late payment the company has reported to the credit bureaus that my account as being paid late, and the result has been a drop in my XXXX XXXX. I 've tried working with the company but they did n't seem to really care about me as a customer or the issues that I was having. I will never do business with this company again. I plan to pay the card off and close the account. They have HORRIBLE service. I tried finding contact info for a department to file a complaint but had no luck.
Product: Credit card or prepaid card

I called Capital One to cancel my Visa XXXX Account on XX/XX/XXXX at approximately XXXX PST. After requesting account closure of the phone rep. of Capital One, he asked me whether I would like to have any Capital One rewards credit balance sent to my address, which I declined. The phone representative stated I would be receiving a USPS-mailed document to confirm account closure. As of XX/XX/XXXX, I have not only not received any documentation from Capital One confirming said account closure but also received two USPS-mailed account statements from Capital One for said account, for period ending XX/XX/XXXX and XX/XX/XXXX, both showing XXXX balance and no transactions during respective statement periods. Neither account statement confirms account closure which I requested on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2021, I opened a bank account with Chase Bank online. 

Once they authorized the account I had my direct deposit information sent to them and on XX/XX/XXXX, when my direct deposit was received, I went to check my account. 

At that point I was informed that my account has been suspended. I was then told that to gain access to my funds, I needed to go to a branch with various forms of ID. When I explained the difficulties of making it to a branch ( I live in a small town with no public transportation to any of their branches ) I was asked why I even started an online account with them in the first place. 

I've now been locked out of my account and my paycheck for 9 days and considering that it's a the day banking holiday, I'm now supposed to wait for a check that'll arrive at some point. 

I don't know how it's legal for a company to accept a person 's money and then deny them access to it.