23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Same complaint as XXXX previously filed with the CFPB. 

Email message from Capital One below. They report a change in phone number which never occurred to lure me to their website to make financial offers to me. They did the same thing a few months ago, see complaint number above and responded with a boilerplate " sorry '' letter after CFPB complaint. I had my ID stolen and emails of this nature are stressful and require a response from me which takes my time. Capital One is engaging in unethical, illegal and predatory behavior. 



Did you change your mobile number? 
XXXX XXXX Inbox Capital One This email was sent by the organization that owns the logo shown. 
XXXX From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX Sign in to your account Sign in Capital One Lets make sure weve got the right number. 
XXXX, Looks like the mobile phone number we have on file for you may be incorrect. This could be the result of changing your phone number and/or mobile carrier. Please update your mobile number so you can receive important account alerts.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX
Product: Mortgage

I called to get a paydown quote for my HELCO. I could not pay it down via NAVY Federal 's app or website because it would not allow me to pay more than my balance and did not have an option to pay down. PROBLEM 1.

I went to the bank location and paid the full balance in cash on XX/XX/XXXX. The teller would not apply the paydown overage. PROBLEM 2. 

I called the XXXX and paid the additional pay down amount which equaled in {$60.00} on XXXX XXXX. 

Neither payment was applied until XXXX XXXX and I was changed additional interest. PROBLEM 3 The bank did not catch the error even though the teller left clear paydown instructions. PROBLEM 4.

If my balance would not have been 0 I may not have even caught the error. 

This amounts to fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Home Equity Line of Credit was set to expire in  XXXX   XXXX  &amp; increase payment from {$670.00} to {$1800.00} +. Requested information on a loan modification &amp; paid {$730.00} to get started. Submitted information including tax reports. My credit scores averaged  XXXX  and I have  0 m issed payments for any accounts in the last 7 years. My concern for being approved was debt to income. When I question the BOA modification ab out DTI h e said that " we can help most everyone. '' I then asked what the ratio was for DTI he responded that he did n't know or lied about not knowing. I asked another  Modification Specialist  the same question &amp; he said " only the underwriters know. " My income from Social Security is {$1400.00} &amp; rental income {$1700.00}.  XXXX   XXXX   XXXX  {$2400.00} &amp; BOA {$760.00}. The loan modification was denied on  XX/XX/XXXX  for insufficient income. After the denial I spoke with a different loan modification specialist and he was the first one who did n't lie. He said " there is nothing that can be done if the income is n't there. " The payment due on  XXXX  of {$730.00} was not made.   I spoke with a modification specialist who said I either pay the {$730.00} or it will be settled later. I was never told that if the modification was denied it would be reported to the credit bureau &amp; my FICO score could drop over  XXXX  points even after 7 years of  XXXX  late payments.   A  XXXX  denial letter from the  XXXX   XXXX ,  XXXX   XXXX  dated  XXXX  was received.   Since the case mgr. knows that a modification is not possible he is still still is requesting information to see if I qualify by  XXXX   XXXX ,  XXXX .   I received an appraisal report on  XXXX   XXXX  &amp; knew after researching BOA 's history, that this is the first step toward foreclosure. I am  XXXX   years old &amp;  have lived in this house for 29 years.   Out of fear, I made payments of :  XXXX  - {$690.00},  XXXX  - {$870.00},  XXXX  {$710.00}.   Payments are up to date.   Why is BOA continuing to drag it 's modification out if no other reason other than forcing a forecosure. I have read too many reports of applicants applying for a modification with good credit, current on loan being forced into foreclosure.
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I signed a loan agreement with first citizens for equipment from XXXX XXXX XX/XX/23 I told XXXX XXXX XXXX  manager that I would like to cancel the loan he said the funds were already paid. On XX/XX/23 I sent a email to XXXX XXXX saying that XXXX would be refunding the funds and where should I send it, he replied with an email to send a ACH to XXXX XXXX and gave me the account and XXXX numbers. On XX/XX/23 XXXX haXXXXdware sent the funds and sent me a copy of the transaction I have informed XXXX XXXX of this but he said that he can not find the refund from XXXX XX/XX/23 I received a default email for my account on XX/XX/23 I paid XXXX since then I have sent numerous emails and voicemails and have not heard from XXXX XXXX. I have been informed by first citizens bank that I would still have to make my monthly payments. This money was sent to first citizens bank per their instructions and they will not accept that my loan has been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

The company first advantage says I lived at an address for only one month. Says XX/XX/XXXX to XX/XX/XXXX. I lived there from XX/XX/XXXX to XX/XX/XXXX. I currently have a lawsuit against this rental company, XXXX, and I believe they are purposefully submitting false information. I am submitting this for myself. I also live in the same address currently that I lived in XXXX  rental properties ago and it failed to list it. This report says I last had a residence XX/XX/XXXX and this is just not true. I have been on a lease, save for one months time in a XXXX, since XXXX. And in XXXX it was the same address I live in currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am trying to set up a myEquifax account to put a security freeze in place. I started in XXXX of this year with all three of the credit reporting agencies. I had no problems with XXXX or XXXX, and the credit freeze has been in place since XXXX. Three times, Equifax would not let me set up an account to place the freeze, and requested copies of my state ID and social security card. I had the SSA send me a new card, which I took a photocopy of, and a photocopy of my state ID. Each time, I received a letter back saying that the two copies were illegible. Most ID 'S are made so that they can not be copied. I went to three different copy centers to make the copies, including enlarging them. Equifax is doing everything they can to prevent me from having an account and freezing my credit report. Each time I call, including yesterday, they tell me that my account is now unlocked, but when I try to set up a myEquifax account, it will not let me and tells me to call again. I feel they have a financial gain by not allowing me to put a security freeze in place, as I noticed a creditor on my report that I have not had an account with for about two decades, and I believe it said that I have a credit line, which I requested them to close back then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these inquiries
Product: Checking or savings account

I tried to make a purchase to XXXX for {$200.00} on XX/XX/. It was authorized but XXXX canceled the transaction immediately. Chime acknowledges the payment was canceled but is still not releasing the hold on my funds. They say it will take 7 business days, which makes no sense because the transaction was canceled before it settled. There is no reason to keep holding the funds any longer. I need my money released and back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my XXXX  shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from XXXX, but used an XXXX  pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.
Product: Student loan

XX/XX/2012 I was offered a Special Direct Consolidation Loan opportunity with the US Dept of Ed for which I accepted. I was promised a lower interest rate with this consolidation which I was eager to do since my lowest loan had a rate below 2 %. However, this consolidation excluded these lower interest rate loans thereby not fulfilling the promise this US Dept of Ed consolidation offered stated here : How this benefits you : One servicer and one payment, rather than multiple bills and multiple payment addresses. 

Potential lower combined payment amount that 's based on a lower interest rate and the repayment plan selected. 

Up to 0.50 % interest rate reduction! Earn a 0.25 % reduction on the loans you consolidate and another 0.25 % rate reduction if you enroll in automatic debit. 

Lock in a lower fixed interest rate automatically on any of your loans with a variable interest rate. 

Same loan terms and conditions, including your eligibility for the same deferment and repayment relief options. 

Potential for Public Service Loan Forgiveness Program eligibility if you meet specific program requirements. 


Instead, the lower interest rate loans were kept at XXXX, only the higher rated loans were consolidated thereby making me have over {$30000.00} in interest in just 4 years after this consolidation. This offer has actually increased my interest due and NOT HELPED ME AT ALL. 

This is my complaint. Not sure why it was rejected before or why such little time is afforded to respond. Thank you for your help.
Product: Debt collection

Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of my loans were reported as 30 days past due even though two of them are in school deferment and one of them I made two payments on prior to the due date. One payment was made over the  phone with a customer service agent and the other was made online according the latest invoice. Ive had issues before and the company was willing to assist by agreeing to remove the late payment from my report. However they were never removed.
Product: Credit card

I am a victim of extensive identity theft, and I DID NOT MAKE OR AUTHORIZE THESE CHARGES. Someone has been impersonating me and using my stolen identity for housing, loans, and credit cards. In addition, my purse was stolen that had my passport, phone and wallet -which included my social security card and drivers license. Also, this person has my phone number ; therefore, I will be changing the phone number on my Fraud Alert with the credit reporting agencies as they are required to contact me before approving any credit or loans. This person has taken advantage of me working and teaching abroad in XXXX and has used my information in the states while I was gone.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Account was transitionedXX/XX/XXXX to BBVA. I have been locked out of account without any means of contacting BBVA. I was on hold 8 hours then hung up on. This has been 4 days without access to my funds or critical account information. I can't buy food. Can't pay bills. Can't deposit checks. I am sunk and they have no solution.
Product: Credit reporting or other personal consumer reports

I have numerous credits pulls and inquiries on my credit report which is not authorized. XXXX XXXX XXXX XXXX XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

A group of doctors from XXXX hospital are trying to get the money from me that I keep fighting for medical malpractice in XX/XX/XXXX underneath different debt collectors.. now it was all sold to Commonwealth. The malpractice is they kept saying noting was wrong with my XXXX and yes I can get previous prove that something was wrong with me XXXX and a doctor concealed it too in his doctor office since I had the XXXX as well he admitted they messed up on my XXXX XXXX as well. XXXX XXXX. 
also here what common wealth really is a backdoor. I contacted them today XX/XX/XXXX and the guy said to bad so they don't care.also old debt from XXXX and XX/XX/XXXX. 

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

My statement close date on XXXX of my cards is the XXXX of each month. XXXX and XXXX reflects the correct amount as of the statement close date. It's a normal practice that all loans report statement close dates and the amounts to the credit bureaus. 

Experian for some reason is not updating my statement close date. I've called the credit card company and they've said they supplied the information to experian. When i try to dispute the information online, I'm not allowed to do so with experian. I've even called experian and asked what the problem was. They said the card company never supplied the information to them. I asked how so when the other XXXX major bureaus is reporting the same statement close dates. 

The last time the statement was updated was all the way in XXXX. The XXXX statement never was updated with experian because i fell it'll show a significant reduction. That's the reason for the hesitation in applying it to my credit report i believe. I'm not asking for anything special. Just the regular applying what the statement close says on my actual statement for that month. It's almost XXXX and no XXXX update with experian. But XXXX and XXXX  has updated the information.
Product: Debt collection

I was notified by Hunter Warfield through a posting of my credit report, on XX/XX/XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX XXXX. I moved from these apartments ( after the lease ended & with 60 day notice ) XX/XX/XXXX.  Upon moving a walk through was done and the last month of rent was paid for market rent, due to management lying stating we did not give them notice ( which we didn't have to because our lease was complete and we were not going to renew ), we paid and moved. A walk through was complete with no incidentals, we cleaned the apartment and it was shampooed before we moved out. Now, XX/XX/XXXX Hunter Warfield posts a collection on my credit report stating we owe {$320.00}. I sent a certified letter ( that was received and signed for on XX/XX/XXXX @ XXXX to front desk/receptionist. I have yet to hear from anyone and I want this removed off of my credit report. It is a false claim from the apartment complex and I will file a lawsuit if I have to.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX regarding an old auto loan and repossession showing on my credit. Now the debt shows as just recently charged off, which is invalid. The last payment on the vehicle prior to repossession was over 13 years ago. It states on my credit file that it was past due as of XX/XX/XXXX, but that is an error on the part of Wells Fargo ; as you can see from the attached XXXX report it was really last paid on XX/XX/XXXX. Per the Fair Credit Reporting Act, this account should have only remained on my credit for up to 7 years, but Wells Fargo fraudulently reported it again in XXXX, though I made no payment arrangements with the company, nor did I enter a settlement for this debt. The statute of limitations for this debt, which was my ex-husband 's in our divorce settlement, has long passed and this should be cleared from my credit report. Be advised that the last name was under my then-married name of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account keeps reporting late payments. This account should not be on my report. One month it will show all green payments on time, with 3 late payments for XXXX, XXXX, and XXXX, when it reported XX/XX/XXXX showed 1 late payment with no other payment history, today, XX/XX/XXXX, shows all late payments. The reporting on this account changes weekly and has been on my credit report to long. I have disputed this account, I have asked for verification of my signature and since XX/XX/XXXX I have still yet to receive any documentation proving this account is mine.
Product: Credit reporting or other personal consumer reports

I use to hold a credit card of XXXX  that was provided by XXXX XXXX [ the account was closed by the bank ] but the report that was submitted to the bureau of credit that customer closed the account. I disputed the information direct with XXXX XXXX on XX/XX/year>. And they send the information to the XXXX office but they only talk about they had the right to closed it, and I don't denied that but I am asking to fix the wrong information provided to the bureaus of credits, they event told me to go to court...