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

I have been trying to withdraw funds from my Capital One 360 checking account since Tuesday, XX/XX/XXXX to prepare to purchase a car from a private party. I went to the Capital One branch in XXXX and was unable to withdraw any money against an account balance of over $ XXXX. They engaged support and were still unable to help or tell me definitively why I was being denied access to my funds. They advised to return Thursday. When I did they went through multiple steps of verifying my ID, account info and other information before telling me I was cleared to take out XXXX. It then declined and they said they could not tell me why as there were no flags on my account or debit card. I have tried again Friday and can still not access even {$1000.00} from my account balance of over $ XXXX. CapOne has offered no remedies or solutions.
Product: Vehicle loan or lease

Billing Statement XXXX 2022 {$680.00} My Payments Money Order XXXX 2022 {$350.00} XXXX {$350.00} Total {$700.00} Total I Faxed these Money Orders to XXXX All faxes received Success. # 3 Payment {$350.00} XXXX, 2022 Instead I get Additional Billing Statement Total : {$1100.00} for XX/XX/2022 XXXX
Product: Student loan

I filing complaint to express concerns, due to previous discussion with  Navient Representative since 2013    regarding my Loan and  XXXX . In addition, I explained to Representative unexpected illness of my multiple medical condition that affect my health and safety. Problems with customer service, I did n't receive helpful information about loan options. The Representative provided unclear information and suggested that I continue to file a deferment application for my loan that continue to accrue interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an incorrect address be removed as the address is not mine and have requested the company remove said address 's. XXXX XXXX XXXX, MO XXXX # XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX are not my addresses and as I have stated are not found on my credit report and these companies are reporting inaccurate information that I have requested several times be removed.
Product: Credit reporting

The information for consumers about contacting credit bureaus is almost worthless because the XXXX bureaus are primarily using this avenue to sell credit monitoring services. For example, Experian will only offer a consumer credit monitoring services or a credit freeze/unfreeze if a consumer seeking a 7 year fraud alert telephones Experian at XXXX XXXX XXXX XXXX per the CFPB 's webpage at XXXX. Plus, the online process to obtain annual free credit reports does not work although this is the mechanism the credit bureaus use for consumers who want a credit report after their credit card is hacked if the consumer has not exhausted the free annual credit reports ; either a consumer must submit a complicated written request for the credit reports or find a " back door '' at each of the XXXX credit bureaus ( e.g., a " trial '' subscription to Experian 's " Report and FICO Score '' service, which was accessible to me online for {$1.00} even through Experian required lots of paper documents from me to obtain my free annual report ). 

Incidentally, my Experian report number was XXXX after my report of credit fraud, and my Experian " Report and FICO Score '' membership number was XXXX. I have attached screen prints of my experience with the XXXX major credit bureaus to document that the online process and the CFPB 's information for consumers does not work well for consumers seeking a fraud alert after their credit cards are used fraudulently. ( My report of identity theft to the FTC has reference number XXXX. ) Please try to improve this system for other consumers. Fortunately, I am okay. 

Sincerely, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this formal complaint to bring to your attention Experian 's failure to provide me with my credit reports by mail, as requested in accordance with the Fair Credit Reporting Act ( FCRA ). I believe this conduct is in direct violation of the FCRA and has caused undue inconvenience and concern.As a consumer, I have the right to access my credit reports from each of the major credit reporting agencies, including Experian, free of charge once every 12 months. In adherence to the FCRA, I made a written request for my credit reports from Experian via mail on XX/XX/2023, XX/XX/2023, using the address provided on their official website for such requests.Despite my request being made in accordance with the FCRA guidelines and providing all necessary identification information, Experian has failed to fulfill my request. As of today 's date. I received an email stating that could not adhere to my request via section 611 ( a ) ( 3 ) ( A ) of the fair credit reporting act. I am simply asking Experian to mail me my credit reports.
Product: Debt collection

XX/XX/2019 disputed XXXX XXXX account, however i never received any proof verifying debt.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Subject : Formal Complaint Regarding Improper Sale of Collection Account** Dear CFPB, I am writing to formally submit a complaint concerning the mishandling of my collection account by Central Portfolio Control and the subsequent unauthorized sales to multiple creditors. This issue has caused significant confusion and distress, impacting my financial well-being and credit standing. 

Account Information : - Creditor Name : Central Portfolio Control - Account Number : XXXX - Current Balance : {$920.00} - Status : Collection account - Date XXXX - Date Last XXXX Details of the Complaint : 1. Improper Sales : My collection account has been sold multiple times to different creditors without notification. Each sale has occurred without providing me with the necessary documentation or reasons for the transfer. 

2. Lack of Accurate Information : The information being reported to these new creditors is inconsistent and inaccurate. This has led to discrepancies in my credit report, reflecting negatively on my credit score and financial reputation.

3. Violation of Rights : These actions appear to violate my rights under the Fair Debt Collection Practices Act, which requires proper validation and notification of debt transfers.

4. Unresolved Attempts : I have made several attempts to resolve this matter with the involved creditors. However, my concerns remain unaddressed, and I continue to face difficulties in obtaining accurate information and resolving the discrepancies.

Request for CFPB Assistance : I respectfully request that the CFPB investigate this matter to ensure compliance with debt collection laws and protect my rights as a consumer. I seek a resolution that includes accurate reporting of my credit information and proper documentation of any account transfers. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Hey this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an utility collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) I have never had accounts with either companies, and I have anything attached to my name as far as utilities. I am on XXXX and stay with my family. There should be no reason that utilities should be applied for in my name. These accounts have resulted in several fraudulent collections appearing on my Experian credit report. I've attached a list of the collections in question maintained and reported by Experian in my letter to them which lists the mentioned fraudulent items. I do not recognize any of the mentioned accounts, or collections. The mentioned accounts appearing on my consumer credit report maintained by Experian were not opened, made, or initiated by me. All of the mentioned accounts & collections are the result of identity theft and fraud, I have attached a copy of FTC Identity Thft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the earlier mentioned consumer credit accounts, & collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

At the time I was applying for a mortgage so I called all my credit cards to get an updated balance on my credit report showing a lower balance amount. 
On XX/XX/2022, I made a payment to Citibank XXXX XXXX credit card in the amount of {$1500.00} my credit limit at the time was {$3400.00}. When calling Citibank I explained the situation to three reps two of which were overseas and had no idea what I was talking about when asking for a credit update. 

I finally spoke to someone in the United States explained my situation and she said the department will send an email to the credit reporting department and my report should be updated. Well that didn't happen. I received an email next day XX/XX/2022 saying my credit limit has been decreased to {$2000.00} which made my new available balance {$420.00} and not {$1800.00}. My original plan was to make two payments in the span of two days. So I basically just wasted {$1500.00} and right before XXXX. 

This was not what I asked for! The reps were no help and told me I had to wait when they were the ones who messed up. They even tried to say it was because of my credit, I told them nothing has changed since applying with them and on my report. I could've kept my money had I known I would be screwed like this especially with it being the holidays and my daughter 's birthday. I couldn't even complete getting my daughter 's presents because of this. I didn't have this issue with XXXX XXXX or XXXX banks! Now I regret opening an account with Citibank after this mishap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report. As of this date, XX/XX/2021 which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Money transfer, virtual currency, or money service

I went into Chase bank and had my 2 checks cashed. Chase refused to give me a receipt and that made me upset. What made me more upset was being stalked by XXXX  who sold me supplies and also left without receipt. Came back next day and manager told me its impossible and again refused but printed me out numbers of checks and not actual receipts again! I became upset and called police to file a report on Chase refusing to print out receipts and stalker and only when I filed a motion in court case did they finally print me out a copy of my receipt. That is one issue of defamation that cause Chase to prohibit my from services as in receiving my receipt until after I filed a motion in a different case! I am very upset as they kept telling me its impossible and not doable multiple times and only was available after I filed motion in court case that had nothing to do with Chase Bank!
Product: Mortgage

On XXXX of XXXX I had seen my mortgage company, phh mortgage, over charging me for my escrow. They said it was being underpaid. However I had told them we have exemptions, homestead exemptions for the state of Texas. I had asked for them to review the account and payments. The representative said they would work on it and have it resolved in 10 business days. 2 months had passed and no assessment or review had been done. On XX/XX/XXXX I had called again wondering what the status was. The mortgage company had no idea of review and I had said I have proof with my tax statement and homestead verification, they asked me to email it and within 10 business days it will be resolved. 1 month had passed and nothing had been done. I had called again and they found my paperwork but had no answers, finally I kept escalating the matter and spoke with a manager that said gave me a 2 day turnaround. Yet still nothing has been done. They have sent over closing documents to my new Mortgage company so i can refinance and they had a XXXX balance that was due on escrow. Even with verified proof, documentation, multiple calls, and months of waiting they have overcharged my account and overbilling my closing statement for roughly XXXX usd. I am about to lose my rates, and money because of their incompetence.
Product: Checking or savings account

I get my money then i spend it and when i go back like they take the money and then days later they add it back and when i check my account i have money and i use it then it turns out i have no money and i overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit card

I have a Chase Sapphire Reserve credit card. I was going on an international trip so I tried to get one of the incentives of the card set up, a priority pass, which would allow me to enter various lounges in participating airports. The night before I left, XX/XX/year>, I noticed that the priority pass still was not allowing me access through my app on my phone. I called and spoke with a rep at Chase bank and was assured that I could visit any of the participating lounges they partner with and purchase a pass and I would receive a one time credit for that charge. The next day, XX/XX/year>, I arrived at the XXXX airport and talked with the front desk clerk at the priority access lounge in terminal XXXX. There machine was down so the clerk told me that to buy an entry pass I needed to scan a XXXX code for an app called XXXX and pay for the daily pass. One of the benefits of the Chase Sapphire card is a priority pass access for you and up to 2 guest. Additional guest you would pay a {$27.00} fee for them to get in. Since I was traveling with my spouse and 2 kids, I was expecting to pay the full rate and get all of it refunded minus a {$27.00} fee for my additional guest. The total came to {$190.00}. On XX/XX/year>, I called Chase bank and spoke with another representative about this charge. She assured me that what I had heard was correct and put in for a one time credit for {$160.00}. A week and a half later, I still had not received a credit and I called back to speak with Chase. I was then told that everything I was told before was not correct and a credit could not be issued. If that was initially told to me, I never wouldve made this charge. I kept asking to escalate the call until I was finally called by XXXX in the XXXX offices. She also told me she wasnt able to credit this amount back even though she admitted to pulling the tapes of my previous phone calls and hearing that I was told that i could. She stated that the problem was the charge was made with LoungeMe and that wasnt a covered lounge. I explained once again that XXXX was an app, not a lounge and I only used that because the XXXX lounges system was down that day. Its over a month later and we still have no resolution in this case. I did make her aware that if Chase did not honor what they told me and credit me back, I would move all of my banking and credit card needs away from Chase.
Product: Mortgage

Bank of America is trying to intimidate with their fraudulent tactics after I signed and agreement no 2015 cornered by their lawsuit against the house ( foreclosure ) I signed before that I always was in loan modifications but I didn't signed meaning I made the 3 payments but never signed the papers.. becouse mostly the agreement was for the company not for me at all on 2015 the balance was {$360000.00} that was lawyers payments and all the charges they made ( madeup ) the house wad listed for {$140000.00} but it eas ok I didn't end up homeless with my family they have me signed paper that up to now i don't understand becouse the are charging everything sinse a got their affordable work out wich was never affordable becouse the explained to me that after1 year they will be adjusted not a loan modifications but a different way to help me I'm in disability the know my income is fix most of the time. The firts months of the work out they claimed I own them. Money again after thw workout. First they said it was escrow now they claimed is becouse they are paying again THEIR LAWYERS. I don't understand but their lawyers send me many papers they claimed is the way their agreement is and I have to follow it {$5600.00} again every time i make a complaint their lawyers send me a hole bunch of papers mostly lies. But that's the way bank of America new way of changing people fraudulent tactics has to stop. Last time I make a complaint. They send me the police all this nonsense is making me sick my doctor agreed and everything is documented i will make this public I don't care about privacy becouse the got me all works out and I hope a lawyer see this and help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS BEST XXXX XXXX  Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.