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

Capital One credit card services have repeatedly charged me 23.99 % interest on balances that didn't exist. I have been making very large payments every few weeks and they are still charging me based on a higher monthly balance. I have called numerous times to ask for explanations, help, leniency, etc., and have been refused every time. I have even closed the three cards I have with them and asked for help with a small interest reduction. They have refused. I have paid so much money in interest penalties based on a balance they say exists and it doesn't. They are charging interest based on an average monthly balance of well OVER the actual account balance. Last month and this month in particular they have charged interest on a balance of {$1000.00} or more over the actual balance. Every agent I've spoken with has tried to help in any way they could and have been denied by the company. 
I need help, please!
Product: Checking or savings account

I have a checking account with USAA and have my direct deposit going to my USAA account. 
I work for an XXXX XXXX XXXX XXXX, so I always set travel notifications when traveling but USAA no longer requires travel notifications and does not have any place for a travel notification to be placed. 
On XX/XX/2023 I had a problem with my debit card being blocked with funds available on my account and I was told by a representative named XXXX that a note was placed on my account advising the bank that I travel for work and use my card XXXX. 
Today I got a direct deposit and tried to transfer {$250.00} funds to my XXXX account and had the same problem, but USAA kept {$100.00} and the funds were not placed on my NFCU account. 
When I contacted USAA, I spoke to XXXX, then XXXX, then XXXX, XXXX and no one knew where my funds were but notes were placed on my account blocking me from reaching a supervisor on deposits. 
I called again and spoke to XXXX who told me that notes were placed on my account and he could only transfer me to Member Resolutions, as per the notes.

I asked for a supervisor but was denied by all XXXX representatives and my funds continues missing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$950.00} XXXX XXXX  Balance {$33000.00} XXXX XXXX Balance {$230.00} XXXX XXXX Balance {$290.00}
Product: Student loan

The first and most prevalent situation being the financial, I secured two different student loans totaling {$74000.00} through Sallie Mae, then consolidated them in XXXX to begin repayment. Over the years the loans were consolidated and that consolidated loan was transferred to XXXX  XXXX. During the life of this loan I have made 187 full and partial payments averaging {$620.00} per payment for a total of {$110000.00} paid toward principal and interest on the loan. There have been times that I have deferred payments through XXXX Forbearance option, for an estimated total of 25 months out of the past 209 months. 
A side note, Navient is currently being sued by the States Attorney Generals of Washington and Illinois for predatory lending practices and over use of the Forbearance option which is vastly more expensive for the consumer as compared to other available options for payment allowances. Navients preferred use of the Forbearance is predatory and overwhelming slanted toward enriching Navient. 
This loan is compounded daily at 8.25 % interest, during the forbearance periods that I utilized, the interest is capitalized thus increasing the principal balance at a rapid rate. Meanwhile, at no time does Navient provide monthly statements itemizing the principal balance, capitalized interest added or the new balance amount, thus leaving the consumer virtually unaware of the compounding affect of forbearance on their overall position with Navient. The total capitalized interest as per Navient records during times of Forbearance totaled to {$28000.00}, meanwhile the current principal balance has increased from the {$74000.00} to a new total of {$83000.00}, despite 187 payments totaling {$110000.00}. 
I am not a forensic accountant but I do have a better than common understanding of accrued interest and debt service. these numbers combined with Navients failure or refusal to produce monthly statements itemizing totals and balances, lends me to suspect outright fraud. Navient will only produce documentation pertaining to payment history and capitalized interest ; there is no record of past or new balances on a monthly or even annual basis. If, for lack of any other choices, I continue to pay off this loan through full amortization I will have been required to pay $ 750+ per  month for a total of {$270000.00} ending year XXXX, for an original {$74000.00}, I will be XXXX years old. If this is the price for bettering yourself, what is the point?
Product: Checking or savings account

XX/XX/2023 FACTS : 1. I have checking account with US Bank. 
2. On XX/XX/2023, I released {$100.00} payment on my cell phone on XXXX XXXXXXXX XXXX app using my routing and account number. 
3. My XX/XX/2023 never made it over to XXXX XXXX. 
4. US Bank has my {$100.00} from XX/XX/2023. 
5. I want my XX/XX/2023 {$100.00} deposited into my US Bank checking account now.
Product: Debt collection

This Debt Collection Company called Credit Systems continues to hound me for {$39.00} dollar debt that I know for a fact is not mine. I did not receive any medical attention back in 2014 at all and they claim that I owe this bill. I feel this company is out to damage my reputation and my credit score and report. 

I will not accept this debt as mine unless the debt company can validate that this is indeed my debt because in my defense this is not my debt
Product: Debt collection

Creditor -EOS CCA Recent Balance - {$1300.00} Date opened - XX/XX/2017 First Reported- XX/XX/2017 Original Creditor - XXXX XXXX The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

all my credit information is missing from Experian report. The others are fine. XX/XX/XXXX all was fine and even receive an monthly email that my credit score was XXXX. That week I was working with a bank on a mortgage and they tried to pull my credit. They told me there was a problem with experian. So i went online to my member page and seen all my information was missing. no accounts and no score. I called and they said they will look into it. mean while i locked all 3 credit bureaus. 5 days later nothing and i called back because i started getting spuff calls from ss office and police dept trying to get information out of me. I hung up and called that same police center and no such person or badge number. I called Experian back and no note in system. i was transferred to fraud dept. and was on the phone for 1 hour before i found someone that would help me. She told me that there was 2 people with same ss # and my stuff went to him. she even game me the name and sad she was going to send to data dept to fix. It would take at most 5 business days. at this point i locked all my accounts. 7 days later no call and information still missing. i called back and this time talked to another agent who read all her notes and said that Experian had split the data and its in another account.???. this would take XXXX business days ... .. 7 days later nothing and just called back again. a different person said need to rend to data dept to fix and they need another 5 days. mean while i lost that house i wanted and the interest rate besides not knowing what happened and why and who has my information out there.. very concerned!
Product: Debt collection

I am being harassed by a debt collector that has not sent anything verifying that I currently owe a debt. I owe no one money as I have made sure that all of my debts are paid off. If this company inserts a debt on my credit report then it is in violation of the FDCPA & will be sued in small claims court. I have no problems going through the process because I have nothing but time & will not be bullied by debt collectors whom I owe no money to. Im sending this letter because I know without a shadow of a doubt that this information can not be produced
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, GA, XXXX ] [ XX/XX/year> ] Experian Information Solutions , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Experian are required to ensure maximum possible accuracy of the information they report. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized your obligations to promptly and thoroughly investigate disputes. Experian has recently been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate credit reporting standards. I urge you to take this dispute seriously to avoid further regulatory issues or violations of my consumer rights. 
The following accounts and balances on my credit report are inaccurate : 1. XXXX XXXXXXXX o Account # : XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX o Account # : XXXX o Balance : {$1100.00} XXXX. XXXX XXXX Account # : XXXX o Balance : {$0.00} I demand that Experian : XXXX. XXXX a thorough and complete investigation into these matters.

2. Correct or delete the inaccurate information immediately.

3. Provide me with a copy of the updated credit report reflecting these changes. 
Please note that failure to address this dispute within the legally required 30 days will result in further action. I am fully prepared to file a complaint with the CFPB, as outlined in their guidance, should Experian fail to comply with its responsibilities under the FCRA. 
I trust you will handle this matter promptly and professionally. You can send all correspondence to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$1100.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX  {$3200.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX  : {$270.00} ; XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX  ; XXXXXXXX XXXX XXXXXXXX # XXXX Inquiry : XXXX. XXXX, XXXX  ; XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Mortgage

I have not paid on my mortage ( for a property I do not reside in ) since XXXX 2012. I have filled out the same packets of paper 2 or 3 times and have called several times, requesting to complete the foreclosure the process. Their military department changes the representative everytime I speak with them and no one can ever seem to locate any of the previous paperwork I have filled out, attempting to expedite the process. The property has been vacant for at least 3 or 4 years. They continually send correspondence for inspection costs, insurance costs, property maintenance, but will not send any correspondence saying qe can finally get to the end of this process. I feel they are just trying to drag it out as long as they can in order to get more money. I have filled out everything they have sent to me stating they can take custody of the property and even received something stating that they have done so and any further payments will be considered voluntary. Meanwhile we get monthly statements saying we are $ XXXX behind. I just want to get rid of this property and move on with my life.
Product: Checking or savings account

Truist bank has blocked my business account for XXXX XXXX XXXX as they are claiming fraud has been confirmed in the account. This happened on Wednesday, XX/XX/year>. I have no access to my accounts or my funds. I contacted fraud department and was told that I would be mailed a letter and the account was due to close because of fraud. I am a paralegal and provide services to different consumers to help with their businesses. All of the funds in my account are legit and I have had this account for 6 months. No one could explain to me what transactions they were referring to, no one allowed me to explain anything, and I am stuck without money during XXXX and I am a single mother of XXXX kids. I am also XXXX months pregnant and this is causing me a tremendous amount of stress as all of my funds have been locked by this bank with no explanation. My second account XXXX XXXX XXXX was also blocked which is a brand new account where I conduct legitimate business for my trucking company. I need answers immediately and I need access to my funds immediately. My car note is due on the XXXX of XXXX and they have locked my funds up for no reason at all and false allegations of fraud. I do not appreciate this bank accusing me of a crime that I did not commit.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, XXXX, XXXX XXXX XXXX, and Experian, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information.

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, Experian, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, XXXX, and Experian, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Mortgage

I'm getting mixed messages about my insurance. I got a letter saying my flood insurance needed updating because PennyMac didn't have the new info, even though my dashboard says it's active. I sent the updates, but got an email saying it couldn't be processed. 

When I called, they said I need more flood insurance, but my dashboard says it's enough. The rep may have misunderstood, and they don't have time to check. I emailed PennyMac, and they said my insurance is fine, but then I got two letters on the same day - one saying we won't get lender placed coverage and another saying we will.. 

One PennyMac rep that I spoke with took the amount of coverage for our entire complex and simply divided it by the number of units. Since our building has more units, because there are more units in this building, there is more coverage for our particular building which is shown on the recent documentation that I uploaded. I sent this information in through the PennyMac website and I also sent a message requesting further information. They did not provide the information nor do any research, but simply instructed me to call the XXXX number which I have already done several times each time speaking to someone different who tells me something different. They quickly just look at the screen so they can quickly get me off of the phone. I just need someone to take the time to research this correctly.
Product: Checking or savings account

I received an advertisement in the mail from Capit al One 360 S tating that if I opened a new ca pital one acco unt, entered the Code "  XXXX  '' and receiv ed 2 direct depo sits of {$250.00} or more I would received a {$400.00} account Bonus. I opened the account, I was targeted due to being a new resident in the  XXXX  area and I have received FOUR direct deposits since opening the account, as of today I have not received my bonus deposit of {$400.00}. I have called capita l one 360 multiple tim es and have received a difference answer everytime  I call. I have met ALL of the requirements and there is no reason for them to withhold my bonus any further. I feel as though capital one has defrauded me, I would have never opened an account with them if I would have know that they would give me the run around concerning an advertisement that they sent me. I just would like my bonus and to be able to have a good banking relationship with capital one.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; 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 EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Debt collection

Received notice of Collection Added to Credit Report XXXX on XX/XX/XXXX. 
from IQ DATA INTERNATIONAL for {$89000.00}. I called the company and was very upset that these charges were put on my acct and I had no chance to dispute prior to. XXXX was acting as if she were there to assist and also agreed that the amounts were off and only had a Balance Forward which she couldnt verify because of Company change. I read up and contacted them back on XX/XX/XXXX and asked why didnt I receive debt verification letter and was told that they didnt have to. I also asked when I moved in and I was told 4 different dates. Also asked when the last time a rental payment was received and that was incorrect. When I first initially got on the phone with XXXX, I ask him since I never received validation of debt tell me where the balance came from because my info was totally different, XXXX was beating around the bush because he wanted to know what info I had. He then said that they had a full Ledger. I wanted detailed information in which he couldnt provide and he than began to be upset and unwelcoming. He put me and hold and they hung up, called about 6 more times and also hung up. I then spoke to a manager and asked why wasnt I given proper notice, I told him it was unfair a deceptive because they hadnt verified any charges were accurate. To unknowingly add amounts that were clearly a red flag shows the lack of accountability and credibility with IQ Data. My rights were violated and I will seek the proper roads to have this Company Penalized.
Product: Debt collection

I had a phone call with Jefferson capital over this debt. They said that they would except a payment of XXXX and that they would then close the account and mark it as closed. They also said that they would remove it from my credit report. None of which has happened. They still continue to call and harass me. Send letters in the mail and argue with me about what has happened. This continues to hurt me in more than ways. It not only hurts my credit score which hurts me while trying to get a house and other loans but also they want more money than we had discussed. They have already gone back on their word and I do not trust them to keep it this time around either.
Product: Debt collection

Commonwealth Financial showed up on my credit report as a delinquent debt owed. Called the company and the only way they can look up the information is with either your account number or SSN. Since you don't own the account there is no way to know this so you are forced to give them your SSN. They hung up twice on me and said they will file a dispute claim but this should have never happened in the first place because the debt is not mine! I spoke with XXXX XXXX at Commonwealth Financial and he informed me the debt was from XXXX XXXX hospital in MI ... I have never been there.