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

- XX/XX/2019, New credit card approved. 
- online banking started to occur around 2nd week of XX/XX/2019. Unable to view CC account information but the card was working. Advised to use the card normally. Capital one rep suggested there was some problem with the account information and they would get it fixed within 72 hours. 
- XX/XX/2019 : Called to check on the problem. Was thrown around to many reps. Final results showed that they found 2 names on my account with the same SSN, causing the system to crash. Suggested to call back and tried again. Was unable to access account statement but able to request the statement manually sent to my account, but Capital one was unable to help with payment. 
- XX/XX/2019 : Called again for payment, Cap1 unable to pull out payment screen so unable to pay. Suggested to send paperwork for name update in their system, with ref case no # XXXX. Files uploaded and was told someone would call back to confirm and it would take about 72 hours. 
- XX/XX/2019 : Called again to try to pay, system was not working again. Payment was due but Cap1 unable to process. They claim " could not find the CC account in their system '' - XX/XX/2019 : Called again to check on file submission progress. Talked to supervisor with ID # XXXX she mentioned the case # received earlier was not valid and still need documents uploaded. New case # issued as XXXX. She said will check back with me next day to confirm. 
- XX/XX/2019 : File uploaded at around XXXX. No follow up calls so far. Bill still can not be paid and will be overdue by now. I just want to pay the full amount and close the account.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

experian fails to update my current status with XXXX XXXX XXXX 
XXXX, XXXX all are updated to show current.
Product: Debt collection

Received letter from Credit Collection Services wriiten XX/XX/2021. collect a debt for XXXX for XXXX XXXX. I called they stated its an account that was suspended in colorado during the summer of 2021. I live in Illinois. Haven't had an active account with XXXX for like 10 years. I called XXXX my account is paid in full and i have no outstanding debt. never have had any and never reported to any collections including their own.
Product: Mortgage

I tried to get a forbearance loan from my finance company Crown mortgage they keeps giving me the runaround saying I have to give them proof on why I am having financial problems doing this corona varies according to the cares act I am entitled to get a for Barents long for at least six months they refuse to give me a loan without showing my taxes my bank statements and all of that according to the cares act I do not have to show them any proof of why am having financial problems at this point of the coronavirus thank you
Product: Checking or savings account

I have been trying to close my savings account with Citi Bank, but there is not an option to close it online, so I called them on the XXXX of XX/XX/year>. When I was transferred to an associate, I was asked to provide my name, account number and last four of my SSN. I provided all the previous requested information. After that, I was asked for a card number, I never received a card in the mail. After I told the agent this, I was asked for a security word. I have no idea what they are talking about. There is no security phrase, just some random word. I do not remember setting up a security word, nor have I ever been asked for one when accessing my account online, yet they say one exists. When I got nowhere with this agent, I asked to speak to a supervisor, and got the same runaround. I should not have to jump through hoops to close an account. I want my account closed and I want my money.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is the credit bureaus responsibility to ensure that all information included on my credit report is accurate and that any credit inquiries listed have a permissible purpose. If an inquiry can not be verified as authorized, it must be removed from my credit report immediately. 

The following inquiries were not authorized by me : XXXXXXXX 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 XXXXXX/XX/XXXX Under the FCRA, they are required to provide me with documentation proving that these inquiries were made with my authorization and for a permissible purpose. If they are unable to verify this information, they are legally obligated to remove these inquiries from my credit report per Section 604 of the FCRA.

I request that you conduct an immediate investigation into these inquiries and notify me of your findings. If you can not provide verifiable evidence within the 30-day investigation period, please delete these inquiries from my credit report without delay.

After requesting an investigation and prompt action if they can not confirm these inquires, they simply told me to talk to the company these inquiries came from which is against my rights as a consumer since they are the company reporting this false information. 

I am hereby demanding prompt action and deletion as these inquiries do negatively affect my report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

Navient hired XXXX XXXX XXXX XXXX to collect on student loans. XXXX XXXX XXXX XXXX is alleging that I have only paid {$1000.00} in total for the last XXXX payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. XXXX XXXX XXXX XXXX is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00}, which is patently false. Navient and XXXX XXXX XXXX Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00} on my account. XXXX XXXX XXXX XXXX is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. XXXX XXXX XXXX XXXX is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a vehicle loan through Carmax. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, XXXX, Experian as well as XXXX XXXX XXXX and XXXX XXXX, but to no avail. 

I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. 

The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. 

This is my last attempt to dispute this before taking legal action towards these bureaus.
Product: Checking or savings account

I am XXXX XXXX, and I am seeking urgent assistance regarding a complaint I initially filed on XX/XX/year> with case number XXXX concerning Citi Bank 's mishandling of my accounts. Despite my previous complaint, Citi Bank has sent me a check for only {$0.00}, although my savings account had a balance exceeding {$2400.00}. This situation is unacceptable, given that I have provided all necessary documentation to Citi Bank, including proof of legal transfers and direct deposits. 

To recap, my accounts were restricted on XX/XX/year>, due to a security alert. I was assured that after verifying my identity, my accounts would be promptly addressed. However, Citi Bank has failed to return the majority of my funds, and their responses have been inadequate. My savings account remains inaccessible, causing me significant financial distress. 

I request immediate intervention to ensure the full return of my funds. I have complied with all of Citi Bank 's requests and provided extensive documentation, yet my attempts to resolve this matter have been met with delays and insufficient responses. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I received several refunds from XXXX XXXX due to canceled cruise. I called Chase credit card customer service and asked how to get that money back in my account. They told me I would receive an email within two days and that it would automatically deposit to my checking account. If I did not receive the email in two days, I would receive a check within 10 business days. I have now gone through this process three times and not only have I not received the money. the company can not even provide proof that theyve sent a check. We are now over a month and I do not have the funds owed to me. Could you imagine if I didnt pay my credit card bill and kept using the excuse that the check is in the mail Do you think that they would not charge me fees and interest I would love to know why they are allowed to hold onto my money and I am provided no compensation. 
Currently Chase credit card owes me {$4300.00} and can not provide me with any guarantee or proof that theyve actually sent the check. I sure hope you can help!
Product: Credit reporting or other personal consumer reports

My credit report has accounts and hard inquires on it that was not me who applied for these accounts. 

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, credit repair services, or other personal consumer reports

I traded in a XXXX I had on lease early. During the process I contacted XXXX XXXX several times to make sure of exact amounts and how to pay. The dealer did not pay the termination fee as agreed. When I saw the error I immediately called XXXX and was told not to worry they do not report termination fees as late till 120 days. After contacting the dealer I logged onto my XXXX account online and paid the termination fee. My account screen reflected a XXXX balance. Now months after the lease was paid off early I receive a notice from equifax XXXX reported me 30 days late in XX/XX/2016, 90 days late in XX/XX/2016 and 180days late from XX/XX/2016 through XX/XX/2016 when I made my final two payments early. 

This gross error has cost my credit score to plummet! At no time during several conversations with XXXX was I told my account was delinquent. XXXX never called me once over a 18 month period to tell me my account was delinquent. At no time during that period when I logged online did my account show delinquent. 

I feel XXXX XXXX has violated the FCRA and should be held accountable
Product: Mortgage

Unusual transfer of mortgage ownership in foreclosure. 
1 ) Foreclosure case filed by Chase XX/XX/XXXX. At that time Chase claimed ownership of the Note. A records search by a law firm indicated Fannie Mae held ownership. 
2 ) XX/XX/XXXX Chase filed transfer documentation showing they transferred property to XXXX XX/XX/XXXX. 
3 ) Is n't this the major question of these foreclosures. The inability of lenders at the time to present the documentary proof required to obtain judgment of foreclosure? 4 years later they come up with the documentation and the homeowner has no recourse? 
LACK OF CORRECTLY OWNED DOCUMENTATION AT THE TIME TO PRESENT A PROPER FORECLOSURE. If Fannie Mae had ownership of our loan at the time of foreclosure, how can Chase sue? 
4 ) The securitization process ignored longstanding legal principles for the transfer and sale of notes and mortgages and we the home owners are stuck paying the price by loosing our homes. 
IMPROPER CHAIN OF TITLE OF THE NOTE OR DEED OF TRUST. 
5 ) How can they foreclose on my home when they really did n't have the right to do so? We were getting 2 calls a DAY threatening to take our home. 
6 ) Chase claims to own all these mortgages that they never got the notes for because they were all securitized. So Chase says we own Washington Mutual 's assets but they do n't have my note. 
7 ) The Securitization ( bank / XXXX. product ) process ignored legal requirements for the transfer of mortgages. ( well if they get a do-over, I want one too!! ) Do the banks hold legal title over the homes they are suing? Or is this the " too big to fail '' and we the homeowners get stuck holding the bag for a bad bank idea a long time ago? 
8 ) What about MERS, was n't that a way around the requirements of the traditional mortgage recording process. Now they want that back since the initial plan did n't work? 
9 ) " Too Big To Fail '' The law must not yield to the expediency and convenience of lending institutions. 
10 ) Bottom line, the courts should not allow lending institutions to push and pull as they see fit. Why are the rules they are governed by tossed out? Many good veterans and Americans are getting and have been run over by these institutions and the courts are not standing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent full documentation to every credit buearu in regards to incorrect collection incorrect credit card balances an paid collections that were to be removed per agreement on XX/XX/XXXX. The disputes were started an i was found to be correct yet NONE of the changes have been made or updated holding my credit score down so low I cant get approved for a home morgage even though i have a 3.5 % down payment. I am beyond angry I have called everyone an i am fed up with this wrong an illegal acts i want my report corrected now!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REPORTING INCORRECTLY AND NEEDS TO BE REMOVED. BALANCE OWED, PAYMENT HISTORY, XXXX NOT APPLYING THE GAP INSURANCE. UNDER FCRA, ALL TRADE LINES MUST BE CORRECT OR THEY ARE TOO BE REMOVED. YOU CONTINUE TO UPDATE THE INFORMATION, WHICH IS STILL INCORRECT. THIS WAS NOT IN A COLLECTION STATUS. THEREFORE, YOU MUST REMOVE IT. 
Equifax Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance Bureau Code Individual Credit Limit Date Last Active XX/XX/XXXX Date Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX High Credit {$10000.00} Last Reported XX/XX/XXXX Month Term Monthly Payment Past Due Payment Status Collection/Chargeoff Comments Charged off account
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit report has unauthorized hard inquiry by XXXX XXXX XXXX  on XX/XX/2020. tried to resolve with Trans union online but there are no options to dispute a hard inquiry, only to report fraud. I began an online application thru XXXX XXXX for a personal loan to see what interest rates were being offered, halfway thru the application questions were being asked about personal banking information so I stopped application. I never Knowingly gave permission to run my credit report as a hard inquiry. XXXX XXXX XXXX sent me 21 emails, 10 text messages and 5 phone calls begging and harassing me to complete their application, I have copies of all correspondence attempts, this application was not completed and I did not give permission for hard inquiry. I have perfect credit and have had many loans so I know when something is fraudulent. 
Thank You XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

CACH LLC/RESURGENT CAPITAL is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

CACH LLC/RESURGENT CAPITAL have used abusive, deceptive, and unfair debt collection practices.

CACH LLC/RESURGENT CAPITAL have violated my consumer right to privacy, I NEVER gave them any my information directly and CACH LLC/RESURGENT CAPITAL has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the CACH LLC/RESURGENT CAPITAL civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Product: Checking or savings account

I contacted PNC bank twice on XX/XX/XXXX after receiving XXXX XXXX XXXX  monthly service charge. I requested the fee be refunded and my account type be changed. The fee was refunded, but the account type was not changed. I called PNC bank on XX/XX/XXXX as I had received another XXXX XXXX monthly service charge. The account type was not changed despite XXXX requests to do so. I requested to speak with a manager and was denied. I requested the XXXX XXXX  monthly service charge be refunded as I had previously requested the account type be changed and requested the account to be close. I was told the fee could not be refunded. Since the fee caused a pending transaction, I was told the account could not be closed. My still open PNC account is consistently low on cash since I have long since moved my cash to another institution. PNC refuses to change my account type, close my account, or refund me the fees caused by ignoring my service requests.
Product: Debt collection

Received Chapter XXXX Now years later mortgage company is posting on my credit XXXX BalanXX/XX/2016 Account Number XXXX Creditor Name OCWEN/LITTON LOAN SERVIC Industry Type Mortgage Companies Street Address Line XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State TX Amount Delinquent XXXX Payment Status Unknown Creditor Preferred Contact Other Consumer Statement Chapter ce but has effected my score why would they do that Litton Loan co
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I recognized a drop in my in FICO credit score from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. I obtain this credit score free through XXXX App every month. The reason for the drop was 'Derogatory record found '. I was sure this was a case of some fraud or mistake from the company XX/XX/XXXX - I downloaded my credit report from all three credit reporting agencies, including Equifax, on XX/XX/XXXX and did not see any derogatory record. I reported the same to discover to fix this issue at their end. 

XX/XX/XXXX - This mistake was fixed and the credit score improved the following month - Back to XXXX XX/XX/XXXX - My new apartment owner ran my credit report today through Equifax and in the report provided my Equifax , I see that there is a derogatory record again I do not recognize
Product: Credit reporting or other personal consumer reports

To : Capital One XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Request for Investigation and Deletion of Late Payments Dear Capital One, I am writing to formally dispute the late payment entries associated with my credit card account ( Account Number : XXXX ). The reporting of these late payments contains inaccuracies and fails to meet the standards required by federal law. I am requesting a thorough investigation into these entries and prompt correction of my credit file. 

Key Information for Review : Account Holder : XXXX XXXX XXXX XXXX : {$1500.00} Balance ( as of XX/XX/2024 ) : {$1600.00} Reported Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Truth in Lending Act ( 15 U.S. Code 1666b ), and Regulation Z ( 12 CFR 1026.13 ), I request your attention to the following : Verification of Reporting Accuracy : Payments reported as late must be verified for accuracy. Under 15 U.S. Code 1681 ( 2 ) ( Xi ), only accurate, complete, and verifiable information may be reported to credit bureaus.

Billing Error Resolution Compliance : Payments may have been incorrectly classified as late due to errors in billing or reporting. As outlined in 12 CFR 1026.13, any billing error must be fully investigated before reporting late payments.

Truth in Lending Compliance : Payments received within the agreed-upon grace period must not be treated as late. Any late reporting in conflict with 15 U.S. Code 1666b constitutes a violation.

Discrepancies Identified : Payment records do not align with the reported late payments. My last payment was made on XX/XX/2024, yet the account is inaccurately shown as 3090 days late in multiple months. 
The account shows a past-due balance of {$130.00}, which may have been caused by discrepancies in posting payments rather than a legitimate delinquency.

Actions Requested : Conduct a complete investigation into the accuracy of the reported late payments.

Provide documentation that verifies the legitimacy of the late payment reporting, including payment posting dates.

Remove all incorrect late payment entries from my credit report.

Confirm the results of your investigation in writing.

Supporting Documentation Attached : Credit report highlighting the disputed entries Payment history records Correspondence or receipts related to payments I look forward to your response within 30 days, as required under federal law. If you are unable to provide sufficient evidence to validate the late payment reporting, I expect the information to be promptly removed from my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX