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

Please see CFPB case XXXX. 

Capital One, in the letter they provided ( and attached to that case as their response ) said this : " The funds were reversed and sent back to XXXX XXXX XXXX  on XX/XX/XXXX ''. 

XXXX XXXX XXXX  ( now XXXX XXXX  ) has not received these funds. Staff at XXXX XXXX  - and also staff at the account-holder 's business - have looked for return of my money ( {$650.00} ) and find nothing. 

Capital One needs to document - actually prove - they returned the funds, as stated in their letter. Capital One must provide electronic information, if the return was made that way, or document the paper check they sent back to XXXX XXXX. 

I've left 3 messages about this problem for the person who signed the letter ( XXXX ) from Capital One. I have received no call-backs. 

Summary : Capital One said they returned my money on XX/XX/XXXX : they did not. If they continue claim they did, then they need to prove that.
Product: Checking or savings account

On XX/XX/XXXX I opened an account with Citi Bank at a XXXX XXXX branch. Everything went well until my business activities started happening. We own a XXXX store that sells pet products and receives deposit from sales everyday. We also received a working XXXX XXXX from XXXX XXXX on XX/XX/XXXX. That same day I went online and scheduled some wire transfers to a XXXX  account under my name to pay my rent and some other bills. Citi Bank locked my account and asked me to go into the branch when I called to ask whats going on. I went to three different branches and they all told me they cant help me.
Product: Mortgage

XXXX XXXX see attached spreadsheet. Numerous vioations icluding but not limited to illegal fireclusure Federal offense by foreclosing while in a class action lawsuit Isurance fraud Inclusion of earthquake. Insurance unauthorized Gross enrichment Insurance fraud ... .. The list goes on and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

Wells Fargo. takes over unauthorized fees for monthly savings and checking fees.
Product: Debt collection

To : CFPB RE : Disputing Fraudulent charges I am writing this letter to make a formal complaint and dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX for making about 10 unauthorized charges to my checking account affecting me because I received overdraft charges of {$35.00} each. By XX/XX/XXXX I tried to use a new merchant company I contacted XXXX XXXX XXXX within 3  business days I didn't like their services and I decided to cancel it ; to proceed with cancel service I have to return the merchant device and closed the account I did returned the equipment but also they advise me that I had to get in contacted with XXXX XXXX XXXX XXXX that was the main merchant company for XXXX XXXX. Immediately I contacted them by phone to cancel my services, after while I stared getting charges under the name of XXXX and I contacted my personal bank they gave me a phone number I called them but they sounds to be a different company and no idea about me? and they couldn't help me, in the mean time those charges was made to my account, then by XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Phone : XXXX for the amount of {$530.00} Ref # XXXX under the name of XXXX XXXX XXXX XXXX I contacted them and this was in connection with XXXX XXXX XXXX XXXX I spoke with XXXX Ref # XXXX she explained me that they are trying to collect a debt on my name XXXX XXXX XXXX XXXX XXXX ) I advised her that I have not relationship with XXXX XXXX XXXX XXXX for long time, and inclusive I returned equipment ( device to charge credit cards ) that I have no records of services with them, she personality verified what I was saying, and she tried to do conference call with XXXX XXXX XXXX XXXX to clarify this annoying and incorrect procedure from XXXX XXXX XXXX XXXX AGAIN! @ XXXX but it was unsuccessful to get a person over the phone and left few messages to them explaining why I need them to stop charging for a service that It doesn't exist, until today nobody has contact me and I really concern because I can lost my checking account getting overdraft fees. Please I really appreciate your attention on this matter. 
I really want to proceed with formal complaints to these companies, and clarify those fraudulent charges and avoid that this collection company record any negative records in my credit report.
Product: Credit reporting or other personal consumer reports

I have an inquiry into my Equifax credit report from the United States Department of Education. There should not have been any inquires into my credit in the XXXX XXXX XXXX XXXX XXXX to apply for a loan from the Department of Education. 
The dates these inquiries were made occurred on on Equifax report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

MY interest rates on my Capital one 360 savings never increased over the years. It was originally ING saving account when I was a teenager and years later Capital One bought them out and it became Capital one 360 Savings. Since then I haven't seen any increases in my interest earrings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau ; I have been trying to dispute items on my report that are dated wrong and should have been removed long ago! They have been removed from both other credit bureaus! I try to file disputes and they are ignored! Its my understanding that I am to file a complaint here as a last resort before suing! 
1. XXXX XXXX XXXX XXXX AMOUNT {$3900.00} This account was in XX/XX/XXXX it shows payment for 2 years which is incorrect. The original charge off date was XX/XX/XXXX. It has been removed from all other agencies but Experian refuses. 
2. XXXX XXXX XXXX Amount {$1200.00} This account was also charged off in XX/XX/XXXX. It and all of the collections have expired and are removed. The dates are wrong! It also has been removed from BOTH other credit bureaus! 
3. XXXX XXXX XXXX XXXX No account number ( probably because its not mine! ) I bought a XXXX XXXX in XX/XX/XXXX I still have it. It was financed at XXXX  XXXX XXXX not XXXX! This is not my account. I dont have any paperwork to show anything BECAUSE ITS NOT MINE! 
And once again the dates should be XX/XX/XXXX because that is how long I have been fighting this! 
This one as well has been removed from both other bureaus! Experian refuses to remove it! 
XXXX XXXX removed it in XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

I just recently looked at my Experian credit report XX/XX/XXXX. I saw hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 5. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b
Product: Mortgage

A loan payoff amount of {$220000.00} was submitted by my title company on XX/XX/XXXX. 
Around the same time, Loan Depot renewed the homeowners insurance, causing a small shortage. 
On XX/XX/XXXX, Loan Depot reported a " failed payment '' of {$1700.00} - on a balance of about {$370.00}. I was sent a letter on XXXX ( after the loan was paid ) stating that I had a past due balance of {$1700.00} ( attached ). This was obviously incorrect. 
At the time the letter was sent, I had not canceled my automatic payments. Even if the amount was incorrect, the payment could have ( and should have ) been XXXX 'd exactly the same way every previous payment had been made. Obviously, someone at Loan Depot marked the loan as paid off, canceled the automatic payments, and then Loan Depot changed their minds about what was owed AFTER that took place. 

I called Loan Depot on receipt of the above letter and was told 1 ) The title company needed to send another wire ( they said I could not ), 2 ) I was given at least XXXX different payoff amounts, 3 ) It wasn't until I spoke to you ( XXXX XXXX ), that I got a correct amount and a payoff letter and the go-ahead to wire the payment. 

I didn't receive a payoff letter until a rep ( XXXX XXXX ) emailed me one on XX/XX/XXXX and I paid it immediately ( XX/XX/XXXX ). 

As of today, the payment still has not been reported to the credit bureaus and there is still a late payment listed on my reports- this caused a XXXX point drop in my XXXX XXXX and so far has caused a mortgage pre-approval to be rescinded and an auto loan approval at 6.99 % to be adjusted to 17.9 %. 

As you can see from the attachments, the balance amounts are wildly different, and the actual balance - XXXX was paid off as soon as I was notified of the amount.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXXXX/XX/year>
Product: Student loan

XX/XX/XXXX my Navient Private loan interest rate was loan ID XXXX 4.25 % and loan ID XXXX 3.75 %, this has been the same fixed rate since XX/XX/XXXX Starting XX/XX/XXXX interest raised from loan ID XXXX to 4.0 % XX/XX/XXXX interest raised loan ID XXXX 4.5 % XX/XX/XXXX interest raised loan ID XXXX 5.00 % and loan ID XXXX 5.25 % XX/XX/XXXX interest raised loan ID XXXX 6.00 % XX/XX/XXXX interest loan ID XXXX 6.5 % and loan ID XXXX 6.75 % Not only is Navient increasing my interest rate but is also capitalizing my interest each month and including it on my principal balance. This will effect my ability to even claim interest on taxes! 

Today XX/XX/XXXX I went to check the auto pay status of my loan and saw Navient without consent or even informing the me the customer has been slowly increasing my monthly interest rate. Today I called and spoke to Customer Advocacy to address this unfair practice. The service team blamed the government for changing the interest rates and told me they could change the rate to whatever they wanted. I was told there is no way to change my interest rate back unless I am in poverty. Customer Advocacy was NOT able to help or even try to change my rates back to the rate they have been at for 16 years. 

I need the CFPB to take immediate action as this is unfair practice effecting millions of student loan borrowers trying to pay off their debt. This is predatory lending!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Any future correspondences from this day forward is coming from me. 

Equifax was sent a letter disputing information being reported on my consumer report from me and was received by the company on XXXX/XXXX/2022. 

File # XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and and Im writing this to whomever it concerns regarding the inaccurate reporting of inquiries due to identity theft. Under FCRA Section 605B : Blocking Information Due to Identit

y Theft 1. Consumers Right to Request a Block : -If a consumer identifies inaccurate information on their credit report due to identity theft, they have the right to request that the credit reporting agency block the reporting of that information. This ensures that lenders or other users of the report will not see the fraudulent information.

2. Requirements to Request a Block : To block the fraudulent information, the consumer must provide the credit bureau with : Proof of identity.

A copy of an identity theft report filed with a law enforcement agency ( such as a police report or FTC Identity Theft Report ).

A statement that the information in question is not related to any transaction the consumer initiated.

Any additional information requested by the credit bureau to verify the claim of identity theft.

Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ) outlines the permissible purposes for which a consumer reporting agency ( CRA ) may furnish a consumer report. This section ensures that consumer reports are only used in specific, legally authorized situations. These places did not have my authorization and therefore substitute a violation under 15 USC 1681B and I demand these inquiries be moved immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit reporting or other personal consumer reports

After finding several discrepancies on my credit report, I sent a certified letter to on XX/XX/2023 and listed the accounts that were in questioned. I requested that they please fully validate the reported information and remove anything that they could not provide signed, original contracts for. 
Equifax never responded ( no email/call ) and verified the disputed accounts and the accounts remained on my report. 

On XX/XX/2023, I sent Equifax another certified letter stating that I previously sent a letter asking them again to provide original contracts of the disputed items. I asked to please DELETE any accounts that they could not provide original contracts for. 
On XX/XX/2023, Equifax respond via mail stating that the disputed files were update. However, the files were not updated and all disputed accounts still remain on my credit report and have not been fully updated.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with Experian regarding fraudulent accounts on my credit report caused by identity theft. I included my FTC Identity Theft Report ( Report XXXX. XXXX ) and supporting documentation to demonstrate that the following accounts were opened fraudulently : XXXX XXXX To date, this account remain on my credit report. Experian has not provided adequate information about the investigation conducted or the methods used to verify this account. I am concerned that Experian has not complied with the Fair Credit Reporting Act ( FCRA ) by failing to conduct a thorough investigation. This issue is damaging my credit and causing financial harm.
Product: Debt collection

I cleared my apartment on XX/XX/XXXX-2012 With a move out balance of XXXX  dollars. Due to being XXXX XXXX Military and leasing with this company I had to enroll in the RPP program to protect service members as well as the company leasing the apartment. I have no clue why they charged me and continue to effect my credit. Attached is the document signed by myself and XXXX XXXX XXXX manager in 2012. I finally found this document when going through old files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alias name displays my father 's full/real/legal name. I do not have an alias or nickname and my father 's credit is not one I want tangled with mine because it is NOT the same. XXXX XXXX XXXX is my father and I am XXXX XXXX XXXX. My nickname or alias is NOT XXXX. It is not a nickname of XXXX. I was not even named for him it but for my mother 's maiden name of XXXX. I used to get his mail when I lived in the same state as him because my name was even then being considered a nickname alias of his when it shouldn't have been and was never recorded on documents by myself. If my father did then he was committing fraud trying to pass as his son 's name versus his own. Or if it was an honest mistake ok great, just needs to be fixed. Having received a copy of my credit report after applying for an apartment lease, had me see that my credit report lists his legal name as my alias when my alias is the same as my legal name -- XXXX XXXX not XXXX ) A ( not XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this closed account with XXXX  balance, because they are reporting with late payment. As far as I know it is illegal. I need a quick resolution for this. 

Account Name : XXXX Account Number : XXXX
Product: Mortgage

In XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after XXXX years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
Product: Credit card

I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a XXXX. I need help please
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. 

US BKPT CT IL XXXX XXXX XXXX has violated my rights. 

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