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

Capital One decided to freeze my account because of a disputed XXXX transaction that I received. They bank contacted me and asked me to " verify '' some details which I attempted to but I could not because I did not have the phone number of which the disputed transaction came from. As a result, they closed my account and unknowingly all the money in my account was withdrawn by Capital One. I called them again to ensure that it wasn't a mistake and they told me that they are " holding the funds ''. I'm not sure what that means but I did not receive any notice or email that they would withdraw my money. The money is also unrelated to the dispute because it was just deposited from my job. The total amount that Capital One withdrew was {$700.00} on XX/XX/year>. Since then, the only transaction from Capital One was a " Checking Closeout by Check '' amounting to {$0.00} on XX/XX/year>. I have not heard back from Capital One since.
Product: Mortgage

Mr. Cooper failed to pay my XXXX County taxes for XXXX. I had a tax payment due of {$8400.00} on XX/XX/XXXX. Mr. Cooper attempted to make a payment on XX/XX/XXXX, but, according to the XXXX County Treasury Dept, Mr. Cooper mistakenly deleted the Parcel Identification Number from the cart  and the payment was never made. Mr. Cooper failed to notify me of this missed payment and they failed to notify me that the payment was returned to my escrow account. I only found out when I got a late bill in the mail from XXXX County. I had to notify Mr. Cooper of this issue -- they were unaware and doing nothing to resolve it, despite their responsibility as my mortgage servicer and managing my escrow account. I have spent 3 months and countless hours chasing Mr. Cooper to get this resolved, and have found them to be both negligent and incompetent. Every time I call their Customer Support, I am given different and conflicting information. I have had to push them with weekly calls and chases to look into this problem. When I stop calling, nothing happens. My taxes are now 2.5 months overdue and I still can't get a straight answer. They claim that another payment attempt was made on XX/XX/XXXX, but there is no record of disbursement on my Mr. Cooper account -- the escrow balance simply dropped. Looking online at the XXXX County Treasury office, I can see they have not received payment and are still showing balance as due.
Product: Debt collection

This company has released my medical information without my permission. They are violating my HIPPAA rights and I just want justice. The accounts are paid in full.
Product: Vehicle loan or lease

The lease was purchasing in my name by my ex-husband. We separated for divorce XXXX months later the lease was and he has been on my credit since 2018. This has been on my credit for XXXX years and I think its too old to be on my credit and it needs to be off my credit.
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 : 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 card or prepaid card

on XX/XX/2021 I sent and email to Citibank informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with shell/citibank reflecting as an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat XXXX payment on a credit card account under an open end consumer credit plan as late fur purpose.
Product: Checking or savings account

This is an update for complaint number XXXX-XXXX. I just got off the phone with Capital One 360 about an email I received yesterday stating my checking account had been restricted. I was told that due to my balance being negative they closed my account and my tax return that had been deposited earlier this morning will have to be sent to me via check through the mail. I spoke to them a week ago on Friday, XX/XX/XXXX and was told my account would not be restricted until at the very earliest the XXXX and if I got my tax refund or my stimulus return before the XXXX I would be fine. Once again they did not uphold their promise.and/or gave false information. Because of this I am going to lose my residence, lose my only source of income because I can not get to my money for several days if not weeks, and my college degree because I will have no internet access. I do not have an address they can send the check to nor am I going to walk the streets with almost 2 grand in my pocket nor am I going to pay ridiculous prices and fees for a prepaid card. I do not have access to a phone so I can not open a new account with them and the local banks are closed and require money to open a new account and I can not do that because I do not have access to my money due to Capital One 's continuing negligence and dishonesty. I have asked for a copy of their policy and the terms of my contract regarding this issue and they have refused. Nowhere in their terms and conditionsdoes it say they will restrict your account within x amount of days of having a negative balance.
Product: Checking or savings account

On XX/XX/XXXX I went to the atm in XXXX IL to make a deposit of {$1300.00}. Only {$240.00} of that deposit went through and I was spit out a receipt saying that an error has occurred and my atm deposit could not be processed. At a time like this I can not afford to be short of my deposit. I called in regarding the {$1100.00} deposit difference that I am missing, and was told they would issue a dispute that would take 10 days for a provisional credit.. TEN DAYS??? at a time like this? I have the receipt saying there was an error. Why would someone need to wait 10 days to access their money? Isn't there a way of looking at that particular atm 's transactions and see what went wrong? I really need that money ASAP especially with not being able to go into branches etc at this time.
Product: Credit card

For no reason my credit card account was closed. I was using my account for all my normal purchases and then one of my charges was declined. When I logged into my credit card app, it stated my account was closed. I call the company to inquire what is going on and they just kept transferring me around. I need to account reinstated.
Product: Mortgage

I need to change my escrow settings for new property taxes that I owe. It is 100 % impossible to get my loan servicer ( LoanCare ) to communicate with me. Their phone service has no ability to speak to a person whatsoever, it's entirely automated and very limited. I have sent several emails with no reply.

I did not choose to use LoanCare, my mortgage was sold to them without my permission. This complete lack of customer service is unacceptable.
Product: Credit card

I moved from one address to another and after I forwarded my mail all my credit cards were charged with various items and maxed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information.

1. XXXX XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
XXXX. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer. 

XXXX. XXXX  XXXX After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a letter dated XX/XX/XXXX from citicard that they have closed my account because my XXXX   membership has not been renewed. Actually it expires only on XX/XX/XXXX.
Product: Mortgage

NOTICE : PRESERVE ALL EMAILS, INTERNAL AND EXTERNAL, PRESERVE ALL NOTES FROM ALL PHONE CONVERSATIONS, INTERNAL AND EXTERNAL, PRESERVE ALL INTERNAL NOTEST, WRITTEN OR IN DIGITAL FORMAT. 

In XXXX, XXXX took over the processing of the loan, immediately taking predatory roll looking to cancel the contract ( at a higher rate ). 

The first thing that you did was say the loan couldnt processed because of disputes back in XXXX. Should refused to give me any information and I had to spend hours contacting the credit bureaus at which time I was able to resolve them. 

Then she came back with my loan to debt ratio was above 50 % and I was not eligible for the loan. It was in fact around 43 % which did not even include an additional $ XXXX in investment income which I documented. 

So now the closing was on. I have attached the final disclosure with the {$17000.00} cash back. At the closing, I was given another set of documents reducing the Payout to {$7600.00}. This was done by making an unauthorized payout to a Student load that is listed to my daughter. How can the bank sneak in payout that I am not even responsible for? 

They know that I was in a bind to close this loan which lasted months and I did not what to give XXXX another excuse to delay the loan for a higher rate.
Product: Checking or savings account

predatory lending for credit acceptance corp that wasn't needed in the first place in the amount this simple theft {$1700.00} haven't done business with them in general didn't correspond with them in general my vehicle is new didn't buy it through them in general so they would have to agovern themselves accordingly or be charged with a simple theft penal codes statute will be applied
Product: Debt collection

An account with Phoenix Financial Services showed up on my credit report for an account with XXXX XXXX XXXX XXXX. I sent a letter via certified mail to Phoenix Financial Services, which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have received nothing from them. This account is still reporting on my credit reports.
Product: Credit card

I tried a balance transfer promotion with Citi for the first time ever. I paid a 4 or 5 % up front rate so that I'd have just 0.99 % interest for 12 or 14 months on {$20000.00}. Since this was an XXXX  XXXX  card, I used it to buy airline tickets on XX/XX/year> for ~ {$2100.00}. I waited for this transaction to post, then made a payment of ~ {$2100.00} on XX/XX/year> to avoid interest charges accruing at a high rate. I noticed the next month that this payment was instead applied to my 0.99 % promotional balance, then Citi charged me interest on {$1600.00} of average daily balance at 9.99 % in XXXX and {$2700.00} in XXXX, showing my promotional balance is down to just {$17000.00} in XXXX from {$19000.00} in XXXX. 

I talked to phone agent and supervisor on XX/XX/year> and they agreed the payment was misapplied ( should have gone to the " higher balance '' amount ) and they advised me to wait a few days for the correction to go through so I would know what the correct balance was to pay for this month ( I would rather not " overpay '' on my promotional rate balance ). However, this did not happen, and two online agents today were equally unable to solve my problem though XXXX did agree to file a " complaint '' on my account.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed five inquiries on my TransUnion report that are not mine..I have requested for them to be removed but have not heard back on the matter as of yet..the listed below are the five inquiries.. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Deposit with account # XXXX opened on XX/XX/year> and a balance of {$200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code XXXX XXXX a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.