23daVinci/CFPB_Complaints huggingface dataset:
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 u

nder 15 USC 1681. has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX rXXXX XXXX  and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows XXXX  XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

TO CFPB A merchant XXXX XXXX XXXX charges my CREDIT CARD Capital One ending in ... ... ... ... XXXX the amount of {$64.00} a month I cancelled this suscription XX/XX/2021 Capital One keeps continuing charging me {$64.00} since XXXX to today I have submitted claims to Capital everything month every since with supporting documents. ( See my letter attached ) Still Capital One charges the amount of {$64.00}. I have filed a complaint every month. Capital keeps sending me boiler plate letters with the same questions The last letter I received dated XX/XX/2021 states that my case Number XXXX ( attached ) Capital One asked me to contact the merchant XXXX XXXX XXXX Phone XXXX XXXX XXXX They put you on hold for two hours, then hang up. They refered me to a link, vert confusing, english is my second language I was not able to follow through. XXXX is another scam compay.
Product: Credit reporting

XXXX XXXX cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report
Product: Student loan

Navient is the holder of my student loans. I 've come to learn that they have broken my 4 consolidated loans into 18 different loans to create higher interest rates for me. They also, have failed to notify me more than once that my IBR was going to expire, because for whatever reason only know to them, they changed the contact information they had for me to an address I have never lived at, a phone number I have never had and email address I have never had. I discovered this after they directly took out over {$700.00} out of my checking account and placed my account well below a zero balance. To fix this problem I had to spend more money to get placed back on an IBR, because they have " policies '' that basically exist to bilk money out of people for their mistakes and you basically have to do it like I did to be spared from more financial scrutiny at their hands. I was never given a choice to have Navient as the company holding my student loans and clearly they have lied to me and looked to make it impossible to pay-off my loans plus interest in my life-time. I need help.
Product: Mortgage

on XX/XX/2023, I was 25 days late with XXXXXXXX XXXX payment when a person from loancare LLC called me and inquired about the XX/XX/XXXX payment. I immediately responded by saying I would make that payment by the XXXX of XXXX so as not to being default and reportable to credit bureas. He responded by saying that they were offering me a payment plan to help me catch up. I asked if there were any negative ramifications to accepting this plan, which he failed to answer. quite honestly, I got the feeling that it almost was a stupid question to ask so I didn't persue it. But, again, I did not get a response or the necessary information that I needed to make a decision, I, in no way, believed that they would deliberately push me into default while using the term " HELP ''. Several days later they sent me written terms of the payment plan which I signed still believing that they were offering to " help me catch up '' and not pushing me into a plan that caused me to go into default. Unfortunately my wifes and my credit rating have taken a huge hit. Now, after multiple attempts to correct this situation through them, I have decided to pursue this further with outside assistance. I had an interesting conversation with a representative today who said they don't offer payment plans unless you are two payments behind, that makes sense as you are already in default. By why did they deliberately push a plan on me that would cause me to go into default? I was not yet 30 days late and I had made a promise to pay before I was. It baffles me how they could deliberately withhold the information that I asked for and still repeatedly stand behind their actions. They hide behind vague language and written documention provided after it was too late. meanwhile it is affecting me personally and financially. I would warn anybody to be wary of Loancare as they have no problem pretending to be helping you, when they are in fact withholding either intentionally or not the information that you need to make an informed decision,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of an updated Credit Report from my Dedit Card Company ( Discover Card ) on XXXX XXXX issued by TransUnion. The report indicates that My credit standing went from XXXX in XX/XX/XXXX to Fair in XX/XX/XXXX including all the months from XX/XX/XXXX to XX/XX/XXXX. 

I tried to resolve the issue with TransUnion on their Website and by Telephone to no avail Since I do not have a current USA mailing address. I do not live in the USA although I maintain credit cards and bank accounts in the United States. I provided TransUnion with a prior address that I had used while on vacation sometime back and they did find my credit report, although would not provide me with the information via electronic messaging.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

Equifax : 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 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 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: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}.
Product: Checking or savings account

Checking account # XXXX had 4 fraudulent checks : 1. My bank signature were not included. 
2. None of my banking business information was included on the checks. 
3. My secured water make symbol was not includes on the checks. 
4. My sequence check numbers were in the XXXX. 
5. The fraudelent check numbers were in the XXXX. 
6. The bank notified my in writer that the problem was taking care of and my account was credit. 
6. The bank could stop payment on two check in the XXXX but let two check to through. 
7. The problem is the bank will not credit my account for the two check they let go through.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. This account has 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
Product: Checking or savings account

I hope this message finds you well. My name is XXXX, and I am writing to address a distressing incident that occurred on XX/XX/2023, involving my Wells Fargo account. 

On that date, an unauthorized transaction amounting to nearly {$25000.00} was processed from my account. What deeply concerns me is that I received a call from Wells Fargo, during which I was purportedly authenticated to authorize the transaction. However, I want to firmly state that I did not provide any such authorization, nor did I initiate the transaction in question. 

Subsequently, I promptly reported the fraudulent activity to your customer support, expecting a thorough investigation into the matter. Regrettably, I was informed that the case has been closed after an investigation, with no change in the decision and a lack of adequate proof to support their findings. I have repeatedly requested evidence from Wells Fargo to demonstrate that they did not commit the fraud, but my appeals have been met with refusal to provide such documentation. 

To further substantiate my claim, I can present evidence showing that the call originated from Wells Fargo 's official phone number and authentication system. Given this information, it is only natural for me to believe that I fell victim to a scam orchestrated within Wells Fargo 's own systems. 

As a loyal customer, I have placed my trust in Wells Fargo for many years, and this unfortunate incident has left me feeling devastated. I firmly believe that the responsibility lies with Wells Fargo to ensure the security and integrity of their customers ' accounts. Therefore, I earnestly request that you review my case once more, with a genuine commitment to resolving this matter and restoring the funds that were taken from me without authorization. 

I implore you to conduct a comprehensive investigation, reevaluate the evidence, and take the necessary steps to return the funds to my account unless clear evidence emerges to prove my involvement in the unauthorized transaction. Additionally, I kindly ask for timely updates and open communication during the course of this review. 

I hope for a swift resolution to this distressing situation so that I may regain trust in the institution I once held in high regard. I trust that Wells Fargo will act diligently and responsibly in addressing this matter. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and a satisfactory resolution. 

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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : OAG CHILD SU XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/2020 I closed on a house with a sales price of {$380000.00}. I was required to bring an addition $ XXXX to closing to fund my escrow to pay the tax bill for 2020. I made multiple attempts to Cornerstone Home Lending, Inc. for justification for overfunding my escrow account and was told that if I did not bring the money to closing then I would not be able to close on our home. I was also told that " just bring the money and if it is incorrect you will get a refund ''. I did not agree with this decision, but I was threatened that if I did not comply, I would not be able to close on the home, so I brought the money. Two months later after the tax bills were paid in XX/XX/2020, there was a balance of {$9200.00}. After multiple emails Cornerstone begrudgingly began the process of re-estimating my escrow account contributions. Today, XXXX XXXX more than four months after closing, I received an overage check for {$6000.00}. And out of spite to my consistent demand that they refund my overage from my escrow account, Cornerstone Home Lending , Inc. has now increased my escrow by another {$130.00} per month. I asked them to provide me the appraisal value for which this increase was required and they refuse to give me that information. I have provided them with the Homestead Exemption and the current appraisal price of the home, which is {$32000.00} more than I paid for the home. Even using the {$410000.00} price of the home the total taxes will be {$7800.00}, but Cornerstone Home Lending is accumulating in my escrow {$10000.00}. When I calculate the taxes at the sales price of {$380000.00} the necessary funds needed to pay the taxes is even lower, {$7100.00}. This is will result in another overage in my escrow account of {$3000.00}. I have made several phone calls to Cornerstone Home Lending , Inc. and left messages, but I have not received a single call back. Cornerstone Home Lending, Inc is fraudulent in calculating my escrow and I can only imagine that I am not the only home owner they are withholding addition funds to overfund their mortgage accounts. Cornerstone has refused to admit fault in calculating my escrow overages and still refuses to calculate the escrow requirement using my Residential Homestead Exemption. I paid {$380000.00} for my home and it is completely reasonable to understand that I will protest the appraised value of {$410000.00}.
Product: Debt collection

My parents received a missed call and a left voice mail message today, XX/XX/XXXX from someone stating they were from " XXXX XXXX (? ) XXXX '' a mediation firm, asking to speak with " a gentleman by the name of ( my name ) '' then proceeded to list the last four of my social security number. They claimed a civil matter is pending and it's time sensitive and listed their number for direct contact. XXXX. I called the representative back and she claimed that XXXX XXXX is attempting to sue me for an account closed out in XXXX. I have not received any legitimate contact in regards to this account for years. The lady then told me they could settle for {$320.00} today and could make payments but I have to let her know by Friday, XX/XX/XXXX XXXX EDT or else it's getting pushed onto court. I asked for verification of the debt and she said they couldn't provide that information because all information is held by the XXXX XXXX for " litigation purposes. '' I searched the number and apparently this is a known number for attempting to fraudulently collect on old, already paid debts.
Product: Credit card or prepaid card

On XX/XX/2023 inwas charged XXXX USD a d then XXXX USD by some transaction by name of '' pnvt mobilny barman pl ''. I have no idea of what the merchant was or is and never made a purchase or get any receipts from that place. I contacted capital one to inform of this situation and unauthorized transaction. Few days after I was notified the claim has been denied because a " terminal with a chip and chip card was used ''. Of course a card was used but not by me or definitely not authorized for that kind of amount of money. Either card was stolen, or incorrect amount was charged or straight up scam was performed thus my claim of unauthorized transaction. Additionally it was a debit card and a pin number should have been used yet in this transaction it was not. 
I should be protected using my atm card yet I would have been safer using cash! Capital one grossly mismanaged my claim and put in jeopardy my finances. I'm truly disappointed as I've had the account for many years, had opened multiple accounts including car loans, savings etc. Yet at the second I lose money because of unauthorized transaction, Capital One instantly distances itself from any responsibilities.
Product: Credit card or prepaid card

Today in the XXXX of XXXX, I received an alert from my credit monitoring system which reported that Kohls reported that my payment was late. I contacted Kohls and due to COVID 19, they were unable to answer however it asked if I would like to make a payment of {$2.00}. I Paid the card off a month or two ago and the {$2.00} was for finance charges accrued after I made the final payment. It should not have been reported as late for the finance charge when I paid the entire balance one and also COVID allowed a deferment even though I never called because I paid the card off in I believe XXXX.
Product: Credit card

In 2013 I purchased a washer/dryer from Best Buy at which time, I was told that if I got a Best Buy credit Card, there will no be finance charges for 36 months.I'eve paid he monthly payments regularly every month, the balance at this time is {$750.00}. Then today, I get a bill from them advising me that may balance due is {$1900.00}! an increase of more than {$1300.00} claiming that because I did not pay the loan in its entirety when it became due, I would have to pay {$1300.00} in interest charges. Obviously, because the loan is more than 3 years old, I forgot to check the due date, and I feel this company should have at least sent some type of warning advising me of this important date, I feel they did not do this simply wanted me to forget the date and therefore, make money from me. To me, this plain and simple extortion. I have a XXXX XXXX which means that I pay my bills, every month, and on time and I feel this charge unreasonable and should not be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  Balance {$900.00} account # XXXX XXXX XXXX XXXX Balance {$50.00} account # XXXX XXXX XXXX  Balance {$0.00} account # XXXXXXXX XXXX XXXX Balance {$330.00} account # XXXX XXXX XXXX XXXX  Balance {$100.00} account # XXXX Balance {$55.00} account # XXXX XXXX  XXXX XXXX XXXX Act. # XXXX XXXX XXXX  Act. # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Act. # XXXX XXXX  Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX  XXXX Act. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Please see attached notice, Honda Financial Services is engaging in unlawful practices
Product: Credit reporting or other personal consumer reports

I have a few inquiries on my credit report that arent mine at all
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX of XXXX XXXX the XXXX in fraud with XXXX XXXX stated this account is not mines he has no record of this account at all. This account was verified numerous times and I told XXXX multiple times this account was fraudulent. They kept it on my credit report for a year almost reporting fraud. Both XXXX XXXX and XXXX are reporting an account that was open fraudulently harming my credit resulting in me getting many denials and inquiries because of the payment history. Ill will show all the screenshots I have taken of my credit to prove I tried to get this account removed multiple times and tried various ways to get it removed. I also spent XXXX hr XXXX mins on the phone with them to get no results but ran around to 5 different departments. Just for them to say call XXXX to have to remove it we cant do anything for you. We dont deal with credit reports is what The manager stated of XXXX XXXX.
Product: Mortgage

I received a letter from the city of XXXX dated XX/XX/XXXX indicating the tax after homestead exemption decreased the amount due. After contacting Mr. Cooper on XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from them dated XX/XX/XXXX confirming they disbursed more than the amount billed and my account was due a refund. I have contacted them multiple times since over the past four months and received various and conflicting guidance regarding next steps, processes, supervisors, timeframes, and rationales for delays. I contacted the city directly on XX/XX/XXXX but they have no record of documentation received from Mr. Cooper to date and was advised Mr. Cooper can simply provide a letter that the city can return the overpayment owed directly to me. I have been speaking with two escalation customer service specialists ; one advised me to request that letter from a different department I could only reach via email and whose response was to contact customer service. I have been updated that there is no update, end of day extends into multiple days, and the assigned agent is unresponsive. They seem unwilling to issue the refund to my account and have not provided the letter nor any barriers for them to be able to do so or meaningful detailed information for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.