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

On XX/XX/23 Capital One approved my card application, but refused to accept my data, denying me access to online login, leading me to believe my data was mishandled. 
Close account immediately as card never received nor activated. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and I found out that I had these hard inquires under my credit report. Please remove them! I have no accounts for them and I did not authorize them to be under my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Chase Auto failed to process multiple final payoff payments on a 60 month car loan. All payments were made online through the customer 's Chase account center and there were no issues for any of them until the last one, XX/XX/2016. After investigating with Chase, they claimed the reason ( s ) the payment attempts failed was 1 ) it was an autopayment and the loan agreement stated that the last payment can not be autopay and 2 ) all subsequent manual payments online failed to process because the customer 's bank XXXX XXXX XXXX was a virtual bank, which Chase claims they can not process payments from. This second statement is completely inaccurate since Chase Auto processed payments from this same bank both before and after the last payment on the auto loan in question. Lastly, during discussion with Chase Auto credit dispute specialist, customer was informed Chase is unable to submit a dispute on the customer 's behalf to the credit bureaus and then later on the same call the Chase Auto credit dispute specialist said that a dispute from Chase was submitted on the customer 's behalf. There were no other payments that failed to process before or after XX/XX/2016. Chase Auto credit dispute specialist also said that because the customer 's bank was a virtual bank, there was no way Chase could assume fault for the payment not processing successfully, despite no payments from this bank failing before or after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The Hyundai Motor Finance company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was  hit over XXXX points. I tried to call HMF, but they would only say they have no information and I need to connect with their collection department.
Product: Mortgage

On  XXXX   XXXX ,  XXXX  I applied to refinance my home mortgage. with  XXXX   XXXX . They ran my information through  XXXX  automated underwriting system and I reported back that I had a mortgage charge off.     I know for a fact that I did not have a mortgage charge off. I contac ted CitiMortgage  immediately to clear the issue. After being hung up on and given the run around, I was told they did not report my account as a charge off. The account in question was refinanced in  XXXX  by them. They have refused any further action or responsibility.     In the mean time ... .CitiMortgage is the only one that can clear this error and my rate lock expires in 14 days.
Product: Debt collection

Sometime ago, long enough that I ca n't remember, I had signed up for an online subscription to "   XXXX   XXXX   '' magazine, not so much that I felt it was worth the money but more as a donation to support their efforts to present an alternative channel to mainstream media. I believe, the amount I paid was something like {$9.00} for a six month subscription. After a few weeks and reading some of their work, I decided not to renew my subscription after it was to expire a few months later and I cancelled it online. Even though I cancelled, I noticed that they kept sending me emails as if I was still subscribed. I responded indicating that I wish to cancel and they should stop this insensitive harassment. Then I received a paper mail at my home asking for money to renew the subscription. I replied in kind, with paper mail, that I wish to cancel my subscription and I did everything they made available to do so already. They should cancel and leave me alone. Now after many months, perhaps a few years, I get a letter from the  North Shore Agency c ollection service to pay them {$39.00} to settle payments to   XXXX   XXXX  . Given the long delay between my settlement of the issue with The Nation, I am now suspecting either   XXXX   XXXX   sold my personal address information to an unscrupulous " collection '' agency or they have developed their own means of intercepting such data and harassing consumers with modest amounts of payments hoping at least part of them will just pay rather than challenging their fraudulent attempts.
Product: Credit reporting or other personal consumer reports

The original creditor had gotten approval from the county during covid times for rental assistance which is on record. 
I did not receive any documentation from Fair Collections and Outsourcing Inc or signed any documentation with this collections agency.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time.
Product: Student loan

I took out Sallie Mae loans for my XXXX XXXX All student loans that I took out are deferred XXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae began paymentXXXX XXXX XXXX XXXX XXXX XXXX. As I XXXX XXXX XXXX XXXX XXXX XXXX, they also began reporting to the credit agencies. The impact that it made on my credit report is impairing my ability to continue to receive financial aid in order to XXXX XXXX XXXX XXXX The impact that these loans are having on my credit are also impacting my ability to find a home for myself and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I currently owe XXXX  of dollars out of pocket to XXXX XXXX XXXXXXXX XXXX as a result of Sallie Mae.
Product: Debt collection

Elan Financial Services fraudulently used my nonpublic personal nancial information by disclosing said private information to nonaliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bailey-Act ( 15 USC 6802 ). Elan Financial Services is depriving me of my rights under the color of law ( 18 USC 242 ) and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaliated third parties, including but not limited to XXXX, XXXX and XXXX Consumer Reporting Agencies by way of identity theft ( N.J.S.A. 2C:21-17 ) and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
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 infomed me that recovering lost funds was impossible and that tracking these transactions was 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: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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

Experian continuance in reporting false, defamatory, libelous statements that are untrue relevant to child support. XXXX XXXX XXXX agreed to pay settlement ordered by court. In support of agreement provided attachments.
Product: Money transfer, virtual currency, or money service

we were involved in a scam that required us to make a personal transfer from our bank account to another bank account at the same bank. although we did the transfer the moneys " voluntarily '' under the threats of the scam, once we realized that we had been victims of a scam, and as per direction of our local police, we went back to the bank and requested that the transaction would be cancelled or at least frozen until the issue was fully clarified. this happened on a saturday of a holiday weekend, which means that the actual transaction would not occur until the tuesday after. despite a myriad of phone calls, transfers back and forth, repeating the story over and over again and even going in person to the bank branch first thing in the morning on tuesday we were informed that nothing could be done. the feeling that one gets is that the bank allowed the thieves to run away with our money having been able to literally stop the running away vehicle had they willing to do so. it is as if they sided with the perpetrators instead of with their long-time customers for more than 20 years.
Product: Checking or savings account

Yesterday was when this happened which was XX/XX/year>. I usually receive direct deposit with capital one, under my partners account. I called them and received no updates until XXXX. The updated they provided, did not have any details as to why they were withholding my money. I then proceeded to call XXXX more times throughout the day to be lied to and told that the money would hit the account at the end of the day. I had to call out of work for XXXX days because I cant afford gas, this is now affecting my personal life in a profound way. Im having XXXX in XXXX weeks and was counting on this money. Today it is now XX/XX/year> I still have not received my money and today is my companys pay day. So now they have withheld my money for over XXXX. When I called this morning they hung up the phone instead of providing any details. Im now filing a report and currently on the phone with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the experian, XXXX  and XXXX  I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law
Product: Credit card

In XXXX my BofA checking statement showed a double debit to pay for my US Bank visa. I disputed the second charge at BofA. US Bank sent me a letter stating that I would not be able to use my existing BofA checking account to pay for my visa bill. I went to a local US Bank and the manager settled the issue. Again, in XXXX the same thing happened. I was debited twice for the same amount due on the visa bill for US Bank. This time I called in late XXXX to complain. They agreed that it was a double charge and they would credit my BofA checking account. One week later I called for status. They said they had no record of my request. That was XXXX the XXXX. I was told then that it would take 10 to 15 business days to process. Tomorrow ( XX/XX/XXXX ) is the XXXX business day and there is no credit to my account. This policy of US Bank holding monies they dont deserve for this long is outrageous. They are using monies held to lend to others which is MY MONEY as they get interest and I get nothing but excuses that ITS THEIR POLICY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX  XXXX Balance {$0.00}, XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXXXXXX Balance {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to Experian, XXXX, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with Experian but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Affiant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX , declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 

Fraudulent Accounts : XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

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

I have sent Experian multiple letters to correct the incorrect personal information with my ID with my CORRECT address and ask then to remove the incorrect address and they are refusing to remove the incorrect information, This is the 5th time asking them to correct this.
Product: Debt collection

I do not owe G C SERVICES for any debt and would like them to remove all items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXXXXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX XXXXXXXX FDCPA section 807 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Theres a credit inquiry from XXXX XXXX XXXX in XX/XX/XXXX that I did not attempt. Also there is a credit inquiry from synchrony bank in XX/XX/XXXX that is not mine. Along with a credit inquiry from XXXX in XXXX of XXXX. All of which are not mine. I did not attempt these. I will be filing a law suit for inaccuracy in the reporting of my credit profile. So I ask that you remove these XXXX inquiries asap or Ill proceed with the lawsuit.
Product: Debt collection

I tried calling this company and they stated that they cant talk to me about this debt because it was sold, but they are still reporting this information on XX/XX/XXXX and XX/XX/XXXX credit report. They sent me a letter replying from my validation of debt. Stating that they have review the dispute and its lacking specific facts that will allow them to start an investigation.
Product: Credit card or prepaid card

Citi bank is reporting a credit card on my credit that wasnt open by me. 
I tried to reach out to citi bank and make them aware but they keep sayings its verified.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I received a phone call, caller i.d identifies caller as Wells Fargo. The person on the line informs me that someone opened an additional XXXX account and is requesting to transfer {$970.00} and {$340.00} if I approve this transaction. I stated NO I do not want to authorize the transfer. Agent then directed me to log in my Wells Fargo account click on the XXXX link and type in the fraudulent additional account number which was XXXX then enter amount of {$970.00} and type Cancel Transaction and repeat for the second unauthorized amount of {$340.00}. Once I complete it, I received email from Wells Fargo stating I sent the funds not canceled. So I immediately contacted Wells Fargo and explain to the agent what just happened he stated that can not stop or cancel the transaction even though its only been a few minutes. After the Wells Fargo agent informed me that they will try to get the funds back and will notify me in the next 10 days. Soon after I received letters in the mail informing me that Wells Fargo was not able to retrieve the funds, and suggested that I reach out to the scammers and request for them to return the funds. Very disappointed experience that is a significant amount of funds for me and is a challenge to recover from. I have been banking and a loyal customer with Wells Fargo for almost 20 years and I never experienced such a disappointment such as this situation. The scammers was able to verify all my information, It seems like either Wells Fargo had a security breach or someone employed is selling or sharing customer information. Thank you in advance for any assistance that can be offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 there was an inquiry from XXXX XXXX XXXX XXXX whis wasnt authorized by me also on these dates XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 why would i run my credit this many times with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.