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

XXXX-Capital One Bank sent an email stating it was restricting my joint account due to unusual activity. My name is XXXX XXXX XXXX is the other account owner. The reference number is XXXX. I received my XXXX back pay on XX/XX/XXXX into my checking account to the tune of XXXX. I fought in XXXX in XXXX and the aforementioned payment was the first payment ever received. I am XXXX years old on my last years of life and XXXX has been by my side helping me to fight VA for years. Once the money came in, I proposed and purchased her an engagement ring. I paid her bills XXXX I purchased a truck. First ever. Then XXXX XXXX shut me down leaving her personal account in ruins also. I want to close my account and have capital one explain to both of us why they XXXX  profiled us and did this to our account. I have notified the veterans administration about this.
Product: Student loan

Navient was suppose to take {$51.00} out of my account every month on the XXXX. They are doing this since XX/XX/2018 but on XX/XX/XXXX they took the money then emailed me saying they have not been paid when I have proof it came put of my account. Then on XX/XX/2018 they took {$85.00} without telling me why or what ot was for and again on XX/XX/2018 they took another {$240.00} out of my account without any information.On XX/XX/XXXX they took the normal {$51.00} payment. On XX/XX/2018 they again took {$240.00} out with no information. This left me with only {$14.00} on XXXX XXXX to support my 3 person family on for the week..this was almost my entire pay check that they took from me for XXXX. On the website on my payment history there is no sign that anything of the higher payments they took out happened. They had originally told me I could make small payments monthly but they stopped taking it out my account and stopped everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK INTO THE XXXX  ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS TRANSUNION ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND XXXX  DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.
Product: Debt collection

on XX/XX/2023 I paid sessoms and rogers, pa {$1300.00} for my past XXXX XXXX XXXX credit card. the court date was to be XX/XX/XXXX and they told me i may have to go to court. I called the court and they said that i still had to attend court. sessoms and rogers failed to alert the court that i paid the debt. i was there in court waiting for their reps to show up on the XXXX of XXXX, but no one was there representing them. they should have contacted the courts on the XXXX to drop the case. the money that i paid them was from my va XXXX and social security XXXX. paying them money from both sources has caused me a lot of XXXX  due to my XXXX from XXXX XXXX. they also rarely answer their phones. and since they didnt show up for court i want them to refund my money, especially since it's from my XXXX payments. Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. and they did not get a court order for this. they also never gave me time to do the confession of judgement they wanted me to sign, due to all of my military related health issues.
Product: Debt collection

15 U.S. Code 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In General Sub to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY.

15 USC 1681 ( e ) b, 15 US Code 1601, 15 USC 1681s-2, FCRA 605B, 15 USC 1666B , 15 USC 1681 sec 602 & 604A sec 2 . 15 U.S. Code 1681c- 2, 15 USC 6802, 18 usc 1028A Unauthorized Accounts : Midland Credit Management , Account numbers ; XXXX and XXXX
Product: Mortgage

On XX/XX/XXXX Roundpoint Mortgage issued a check out of my escrow account in the amount of {$1600.00}. My XXXX County Property taxes were {$1400.00}. This removal of funds from my escrow account lead to my escrow account being short for my tax payment. I was sent a letter by Roundpoint to pay over {$300.00} to get my escrow account back to where it needed to be. Then on XX/XX/XXXX Roundpoint supposedly issued a check for {$66.00} when a month prior had requested me pay {$300.00}. I did not receive this check. So the funds should be counted in my escrow account. 

On XXXX XXXX both I and Roundpoint mortgage received my annual notice of asessment from XXXX County Board PF Tax Assessors assessing my taxes at {$1500.00}. I filed a complaint with the CFPB in XX/XX/XXXX for Roundpoint and National General ( who services Roundpoint Mortgages escrow accounts ) for non-payment of my annual homeowners insurance. On XX/XX/XXXX Roundpoint removed {$330.00} from my escrow account. My current escrow balance is {$780.00} which will not cover my {$1500.00} tax bill in XXXX. 


Since purchasing my loan from XXXX XXXX, Roundpoint has mismanaged my escrow account. That have caused undo hassle, stress, and inconvenience by Constantly removing funds from my escrow account and then requesting that I pay a shortage. I feel as if this is fraudulent activity to lure me into having to pay fees for not maintaining an adequate escrow balance.
Product: Checking or savings account

My account was compromised and money was taken out of my Wells Fargo account. There were also mobile deposit fraudulent checks that deposited into my account. I reported this Wells Fargo and they denied my claim. I feel that they have failed me as a consumer and do not see how this type of activity could of been allowed to go on for days without them freezing my account. I was scammed out of over {$2700.00} and nothing was done about it. This fraudulent activity went on from XX/XX/XXXX to XX/XX/XXXX. I already reported this to the police just want to have this taken care of and get some type of resolution.
Product: Credit reporting or other personal consumer reports

Hi, I am writing to dispute a late fee that has been reported on my credit report XX/XX/XXXX 30 days late and XX/XX/XXXX 60 days late. I mailed a check to your company for the payment, but it appears that you have not received it. 

Additionally, I never received any notification that my payment was late and that I needed to take action. I believe it is unfair to report this late fee on my credit report without providing adequate warning. 

I kindly request that you remove the late fee from my credit report and investigate the issue of my missing payment. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, XXXX, Equifax ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXXXXXX -not mine XXXX XXXX XXXX XXXXpayment never late I have not received a response from any other the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK  XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX
Product: Consumer Loan

My name is XXXX and my lender is Santander Consumer. I have been contacting Santander regarding my vehicle being stolen back in XXXX. Since the vehicle was stolen I continued making payments. However, my insurance company informed me not to make a payment for XXXX because a check was being issued for payment. The insurance adjustor as well as I has contacted Santander regarding the payment still not being applied to the account. Their representatives are stating the payment has not been received ; however it has been confirmed by XXXX that the package was received and signed for over a week ago. I have been harassed by representatives regarding my XXXX payment. I have received nasty calls on my job, left threatening voicemails, and I have been verbally mistreated by supervisors, the insurance department and customer service representatives at this company. I sincerely feel that this is a form of retaliation because I filed a complaint with the BBB. As of today the payment still has not posted to my account.
Product: Credit card or prepaid card

I received the prepaid card on XXXX OF XXXX since then have made on time payments. However XX/XX/XXXX billing cycle I paid balance in full and waited for my available credit line. Well after 3 days of not being able to use my card I was charged {$4.00} in erroneous charges cash back interest rate, which Ive never seen since Ive had the card in addition to billing consumers on a 25 day calendar period and not 30 day. My {$25.00} payment I was told was a minimum payment, customer service said that it was a late fee. But when I utilized the capital One Mobile app is SPECIFICALLY SAID MINIMUM DUE {$25.00} so thats what I selected to pay on XX/XX/XXXX and {$230.00} on XX/XX/XXXX on XX/XX/XXXX it reflect the {$4.00} balance AFTER I HAD ALREADY PAID IN FULL!

2 : I NEVER RECIEPTS A LETTER STATING THAT THEY CONDUCTED A REVIEW OF MY ACCOUNT TO INCREASE CREDIT LINE 3 : operates on 25 day CYCLE NOT 30 days 4 : NO DIRECT IMPACT TO MY SCORE AS IT ALSO REPORTED So at this point CAPITAL ONE HAS DEFRAUDED ME ON SEVERAL OCCASIONS AND HAS VIOLATED MY SCRA RIGHTS AND THEY ALSO MISLEAD ME THE CONSUMER AND FRAUDED ME AT THIS POINT AND I DEMANDING TO BE COMPENSATED
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results
Product: Debt collection

On XX/XX/XXXX I received a notification that I had a new account added to my credit file. I looked at my file and noticed that it was a fraudulent account that had been placed by on my credit file. I first interacted with this company in XXXX of XXXX. They placed this account on my credit report and I contacted the company telling them this was not my account. I was told I had to pay it. I then went to the hospital that had this fraudulent account and showed them proof that I was not in the state of Ms to receive services from their company. The woman in the business office told me it would be taken care of and about 2 weeks later the account was taken off my credit file. Now here it is, a year later and this company has placed this fraudulent account on my credit file again while I was in the process of trying to buy a home.
Product: Mortgage

Re : Consumer Financial Protection Bureau ( CFPB ) Complaint ID # XXXX, submitted XX/XX/XXXX The issue of the bank not paying our county property taxes from XX/XX/XXXX to XX/XX/XXXX has been resolved with the bank paying the back taxes, interest due, fees and penalties and getting the property out of tax sale status. 

On XX/XX/XXXX a member of the banks executive response team was telephonically contacted regarding the issue of paying our attorneys fees in this matter, which was a part of our original request. At that time that person admitted that the banks vendor, a property data company, was at fault in this matter. That person said that the bank had determined that in their opinion it was not necessary for us to retain an attorney to represent us and that the bank would not pay the attorney fees nor reimburse us for attorney fees. 

We would argue that bank mortgage and tax issues, as well as county government is complex and difficult to navigate for the average person, and that a thinking person would most certainly hire an attorney for representation in non-payment of taxes and a tax sale situation. 
The potential for loss for us, XXXX  the eventual loss of our house for non-payment of taxes, was great, and as noted above the bank has admitted fault. 

We would therefore respectfully request that the bank reconsider and reimburse us for the attorney fee which we have paid for the attorneys representation in this matter.
Product: Bank account or service

Signed up for BMO Harris checking account on XXXX/XXXX/16 with {$200.00} signup bonus. I 've met the terms of the bonus and have contacted BMO with the promocode ( XXXX ) I had used to signup for the account. Another month has passed with no resolution. It has been over 120 days now since I opened the account. I 'd like to bring this to closure.
Product: Credit reporting or other personal consumer reports

The United States Code ( USC ) is a compilation and codification of the general and permanent federal laws of the United States. Title 15 of the United States Code covers various aspects of commerce and trade, but it does not specifically regulate late payments. Late payments and related issues with creditors are often governed by individual state laws and regulations, as well as the terms outlined in contracts or agreements between parties. 

If you are facing issues related to late payments and you're seeking legal information or assistance, it's recommended to consult with a legal professional. They can provide advice tailored to your specific situation and applicable state laws. 

In general, late payment provisions and related regulations can be found in state laws, and consumer protection laws may address issues such as unfair or deceptive practices by creditors. Additionally, the terms and conditions of your specific credit agreement or contract with the creditor will outline the consequences of late payments, including any fees or penalties.

If you have concerns about late payments or believe that a creditor is violating applicable laws, you may want to review your specific agreement, check relevant state laws, and consider seeking legal advice to understand your rights and options.
Product: Debt collection

Contact has already been made to the law firm representing this company. I am currently XXXX and have been notified of a certified letter sent to me that was unable to be delivered and notice left at my front door. I currently have military orders and I have proof of XXXX XXXX which will be attached to this complaint. 
With my permission I had someone contact the name on the notice left which led me to our local court where information was given in regard to the certified letter. The letter is about a court hearing or something in that nature. One, I am unable to receive a certified letter, two, there is no way to sign a letter and three, I am protected under the SCRA. 
My orders and proof of XXXX have been sent to the court as well they were informed I am XXXX and will not be able to accept any documents or letters addressed to me as I am not currently in the country. 
My XXXX orders have also been sent to the law firm representing this company.
Product: Checking or savings account

I tried to dispute a charge for the amount of {$1600.00} made from my bank of America account on XX/XX/19. I never received the services from the merchant so I requested a refund I never got a response from the merchant on my many attempts. I started a dispute with my Bank. During the process, my bank never kept me updated and I had to keep calling weeks after weeks to get updates. My bank finally told me that they were not going to dispute the charge because the merchant already has the money and can't get it back. I've worked hard for my money and feel as though my bank gave me a XXXX poor effort and response to retrieve whats legally mines.
Product: Debt collection

The company flagship put a debt on my acct which I consigned for with my brother the debt became charged off and closed and they are still holding this debt on my credit acct. I spoke with them before and they said they would remove it now they dont even answer for me so I havent spoke with them in over 8 months. The charge off was because transmission on the car went out and they said the warranty didnt cover it any longer so he stopped paying
Product: Student loan

I recently completed a XXXX program and XXXX of my student loans were placed immediately into repayment. I was informed over the phone that consolidated loans were not eligible for a grace period after completing school, hence the immediate repayment status. I was not informed of this, however, when speaking with a representative that recommended the consolidation initially. At that time, I was unable to make payments on my student loans and knew that they would be deferred upon starting XXXX school. I was advised that XXXX the loans was the best course of action, but was not made aware that I would have to be prepared to pay as soon as I completed XXXX school.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a hard inquiry for a loan or credit service I didnt authorize. XX/XX/2023 from Elan financial services. 

I tried calling ( XXXX ) XXXX and all I got was USER BUSY notifications though my cell phone provider. 

Contacted XXXX and put a fraud alert no my report as well as disputed the inquiry.
Product: Credit card

I had a promotional balance on on Overstock credit card that was due on XX/XX/XXXX. On XX/XX/XXXX I called into make my payment and choose the option to pay my balance in full. I did this and was provided a confirmation number # XXXX that my balance of {$610.00} was paid in full. I have now been issued a late fee of {$37.00}. I have called 3 times to ask for this to be removed and they say they can't do this as the account is closed. I spoke to Bread Financial, the parent company and they also refused to help. I am asking for a refund of the late fees and for my account to be looked at, as they didn't provide options for auto pay and made it difficult for me to make payments, so I also had other fees due to this. Thank you for your help.
Product: Debt collection

CBE Group dropped my credit rating XXXX points by reporting a debt that was not owed. They say I did not turn in cable equipment for XXXX  and it was turned in on time. I have the receipt for the return and the proof of the damage they inflicted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed thank you.
Product: Checking or savings account

Hello this complaint is in regards to my checking acct at fifth third bank. 
I had an emergency on date of XX/XX/XXXX in which I had to withdrawal from a 5/3 bank atm and by mistake I had to take 2 withdrawals right after each other. 
This caused by acct to go negative by XXXX XXXXI deposited a check in the atm on XXXX the XXXX 
I checked my balance and was assessed 2 nsf charges for this for a {$74.00} dollars.I believe that this was excessive and unethical. 
I called the bank on Tuesday the XX/XX/XXXX and they offered to credit me {$25.00} for a reimbursement of a prior fee assessed in XXXX. 
I accepted the offer but it was never credited.I called the bank back the following day and I was informed that in fact I was not eligible for that {$25.00} credit. 
I had to make several call and finally a supervisor was able to credit me back some atm fees that totaled to roughly {$23.00}. 
Now today I was checking my acct and see that I was charged again a {$25.00} extended overdraft fee over the same situation. 
This organization needs to investigated their policy in regards to this is totally totally unfair and the only reason I stay with this bank is because of family member I share an acct with. 
I had made a complaint about their activities in the
Product: Credit reporting or other personal consumer reports

I am Listing 2 inquiries fraudulent from my Transunion credit report. XXXX XXXX2025 and XX/XX/XXXXXX/XX/XXXX.2025. the listed inquiries do not belong to me and must be removed from my transunion credit report. I had a call with the company and the credit reporting agency and was advised to fill identity theft report for deletion. i am requesting transunion to mark listed inquiries as a fraudulent and remove from my credit report.
Product: Credit card or prepaid card

I called in XXXX of 2020 to get my name removed as auth user on this account and was insureds it was done and then also in XX/XX/2020 and was told that it was no longer on there but it is still showing
Product: Credit reporting or other personal consumer reports

Hello, I pulled my credit report today XX/XX/23 and noticed my Hyundai account was still open and showed a past due amount. I leased a car from Hyundai which was totaled in XX/XX/2023. 

When I called Hyundai to get information on my account the automated system informed me my account was paid in XX/XX/XXXX by my insurance company. A balance of {$0.00} shows on my Hyundai online account. I would like my credit report updated to reflect the correct information. 

Thank you, XXXX