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

On XXXX XXXX my phone was stolen by an individual. My Chime bank account was accessed through my phone and my pin number was changed because the individual had access to my email as well. I notified my bank on XX/XX/XXXX and I was able to change my email and access my account, that's where I realized the individual transfer nearly {$1000.00} to themselves. I sent the bank countless of evidence showing that my phone was stolen and that I was not responsible for the transactions. Once I had access to my email, I sent screenshots of the time the individual changed the pin number, how they opened up mobile pay account, etc. I even filed a police report. But 3 times my claims was denied. Whenever I request some type of paper work asking what was done to come to the conclusion of denying my claim, I get nothing.
Product: Mortgage

This is a response to XXXX whereby I received a request from CFBP to submit a request on a closed complaint. Doesn't matter how lengthy their answer is, it's all false. and were is the PROTECTION in CFpB here? Your job is more than just pressing a XXXX button moving it to the next desk. Get off your XXXX and protect us consumers. THEY are not the consumer. 

I didn't request for any information. I didn't request CFPB to do anything by start corruption/criminal charges on these XXXX. I'd prefer they leave the country but you XXXX  only know how to push a button.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.
Product: Checking or savings account

In the middle of the first semester of 2022 I was the victim of fraud, money was withdrawn from my account through an ATM that was not from Wells Fargo, I made the claim and mentioned that they can verify all my transactions and I never use an ATM that It is not from that bank, they immediately reported the card to me as cloned and I specified that at all times the original card was always with me, a week later the bank claimed that it was my fault and that it was due to an oversight. no one else responded for that, now I read in the news about thousands of people who have been victims even of fees that do not correspond and can make this complaint, I do not intend to take advantage of any situation, I just believe that I am doing the right thing, I dedicate myself to selling hot dogs and it really is hard earned money
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing Is that Capital one is being unreasonable. I had a XXXX on XX/XX/2017. This XXXX incapacitated me for a whole month while recovering to my normal state, as a result, I fell behind on that month, monthly payment. I took the liberty to write to capital one to inform them of my medical condition. They requested that I send them proof of my hospitalization which I did attach a medical certificate as proof and my bank statements ending XX/XX/2017, which shows a balance of {$1500.00} in my bank account showing I had enough money on my accounts to make the {$27.00} payment which was past due were it not for the medical condition. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment. But to my surprise, Capital one refused to remove the late payment history of the time I was down due to the medical condition which was 100 % not my intention or doing to be late. I have always had a good reputation with this company, I have attached the letters I sent to capital one for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted 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 Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.
Product: Debt collection

I have not has any personal dealings with Payliance. never sent anything in the mail stating that I owe them and how. I just say this information on my credit report one day.
Product: Credit card

I have received an incomplete product from the company XXXX and requested a refund upon return. Item was returned and the company refused to refund the money and have been an ongoing dispute for almost half a year. Discover has refused to cooperate and sided with the company and now I am not only out {$350.00} but as well as the fan I had originally purchased. This fan was returned and shipped back using the shipping company they arranged themselves. Item was purchased on XX/XX/XXXX. Dispute case # is XXXX
Product: Mortgage

Re : Late Fee on roundpoint Mortgage XXXX XXXX XXXX XXXX NC XXXX My regular mortgage payment is {$610.00} On the payment for XX/XX/year>, I mistakenly typed {$610.00} into my online banking payment. I did not realize this until I received the next months bill from roundpoint Mortgage. 
I was therefore {$0.00} off in that payment. The mistake was a typo since the XXXX digit is right next to the XXXX digit on my keyboard. 
Upon receipt of a letter dated XX/XX/XXXX but actually arrived the same day as my bill on XX/XX/XXXX from roundpoint, I called them on XX/XX/XXXX and was made aware of the mistake. I was also charged a {$30.00} late charge. 
I immediately sent in a {$0.00} payment to cover the discrepancy and also paid the upcoming mortgage payment for XXXX. Both of these payments were electronic payments through my bank ( XXXX XXXX ). 
I requested that the late fee be rescinded but have been told, since it was not an error on the part of roundpoint Mortgage, it would not be rescinded. 
The late fee is over XXXX the amount I was inadvertently short on the payment, which I believe is exorbitant. 
My credit rating is Excellent and I have not missed a mortgage payment. 
Attached are copies of the bill and letter from roundpoint Mortgage. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize Macy/CBNA XX/XX/XXXX XXXX I reviewed my consumer reports and Macys/CBNA XX/XX/XXXX AC # XXXX that I have XXXX late payments. In accordance with Fair Credit XXXX account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

During a recent review of my credit report, I found errors concerning late payments. These inaccuracies do not align with my typical payment habits. Please fix this and ensure my account reflects the correct information.
Product: Credit reporting or other personal consumer reports

I looked at my report and on XX/XX/year> I sent a letter to e Equifax to reinvestigate my accounts. 

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. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # 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. 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: Debt collection

XX/XX/2019 - Opened XXXX XXXX  line of credit ( serviced by TD Bank ) as part of a promotional bundle. Purchased phone and accessories for the total amount of {$890.00} which was financed on this account ( XXXX ) Early XX/XX/2019 - Received first billing statement XX/XX/2019 - Paid account in full & requested account be closed. 
XX/XX/2019 - Received letter from TD customer service confirming that account was closed and that the current balance was {$0.00}. 

Received subsequent statements showing an outstanding balance with due date. 

Unsuccessfully attempted to resolve this matter with TD Bank customer service. 

TD bank has reported a potentially negative status which is impacting my credit history report and credit score.

How can I go about in resolving this matter? 

Regard, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I paid to stay at XXXX XXXX XXXX on XXXX XXXX. in XXXX, TN for a month. There were many problems with the hotel. One of the main problems was the cigarette smell. I already told the XXXX that I had XXXX and needed to be in a quiet and nonsmoking room. I also said I needed a room on the ground floor due to a XXXX  injury. I accepted the room on the third floor because the room had already been paid. However, a few minutes after taking all my belongings from the parking lot to the XXXX floor in XXXX trips by car, I noticed the strong smell of smoke after the doors had closed. I also noticed many other things. I wanted to leave when i started having XXXX and became ill. It was not until the morning of the XXXX of XXXX that i was able to physically leave. On the XXXX of XXXX I filed a dispute with Regions because the management said they do not give refunds ever for any reason and no exceptions. On the XXXX of XXXX, today, I was told on the phone that my money would not be refunded. I stayed in the hotel for two days, in which time I was very sick because management did not listen to my requests. I should not have to pay for this hotel. I paid {$1600.00} and I need my money back. I have suffered a lot due to XXXX XXXX XXXX and Regions. At this point, me and my son are XXXX  with no money at all. In addition, regions is holding money from my son for no reason at all and have given both os us a really hard time and made false accusations against both of us in the process. I feel tremendously XXXX  profiled and XXXX  against.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX  days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card

You closed a case that was not resolved with Capital Oneconcerning unfair lending practices. My complaint is against Capital One and you for closing the case without resolution
Product: Vehicle loan or lease

I purchased a new vehicle in XXXX with financing through Navy Federal Credit Union. 

My final payment was due on XX/XX/XXXX in the amount of {$610.00}. 

I made the final payment on XX/XX/XXXX. With the added interest the final amount was {$610.00}. 

On XX/XX/XXXX my account information online showed a {$0.00} balance with nothing due. 

On XX/XX/XXXX Navy Federal added an account adjustment and increased my balance to {$28.00} with a due date of XXXX/XXXX/XXXX. 

On XX/XX/XXXX my XX/XX/XXXX auto loan statement was also issued. It showed my payment from XX/XX/XXXX with a {$0.00} past due amount. But it also showed that I still had a {$29.00} balance plus an additional {$29.00} late fee. Neither item was listed as past due on my XX/XX/XXXX statement. 

I attempted to pay whatever amount was owed on my account on XX/XX/XXXX ( 10 Days days after receiving my statement ) but when I logged into my online account all charges had been adjusted/ removed and the balance was {$0.00} again and it did not let me pay. 

I assumed the account was paid then and in good standing. On XX/XX/XXXX I was notified that my auto loan account was reported 30 days late to the credit reporting agencies. Additionally I received a letter on XX/XX/XXXX stating that my account was in default for the amount of {$29.00} and could be repossessed. 

I have contacted Navy Federal in writing via secure message and by phone and told that my account is at {$0.00} balance and paid off in full and that no further payment is needed. When I asked about the 30 days late payment history reporting and the information based on the statement I was told that " It is something I have to work out with the Credit Agencies and that they have nothing to do with it ''.

Navy Federal is reporting me 30 days late for an amount they notified me of on XX/XX/XXXX. At the same time the system does not even let me pay anything since it shows a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On JXXXX XXXX, 2024, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over XXXX days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged XXXX XXXX within the stipulated time frame of XXXX business days. As of today, XXXX days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. 
As a victim of XXXX XXXX, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. XXXX XXXX itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.
Product: Debt collection

I have a collection on my credit reports from a collection agency called Commonwealth Financial. This collection agency is reporting a collection that has already been disputed and removed by XXXX XXXX. This collection was not mine and now they are trying to collect on the very same account
Product: Vehicle loan or lease

XX/XX/XXXX, total due to redeem XXXX, the XXXX XXXX XXXX was sold, leaving a balance that has been reported on the credit report which I have opt out of, the vehicle was repossessed in XXXX of XXXX by Bridgecrest Finance Corp.
Product: Credit reporting or other personal consumer reports

I have attempted to open a business checking but can not due to a false freeze. 


XXXX Systems and XXXX XXXX rectifying the freeze block that doesn't exist on my name.
Product: Student loan

I do not agree that the amount i applied for plus interest is the same amount that Navient had when I revieved my first statement. Im off in my calculations and they refuse to explore or admit that I was charged too much. Horrible customer service, I am exploring consolidation through education department and picking another lender.
Product: Student loan

CFPB : This is a continuation of complaint # XXXX for Firstmark. Once again we are receiving phone calls and e-mails stating we are behind. The Firstmark website clearly shows we are up-to-date. Next payment due XX/XX/2021. Once I reached out to you CFPB, the calls stopped along with e-mails. Firstmark has sent nothing, done no follow-up, no copies of the statements have been sent as requested. I did get a generic e-mail stating how sorry they were for the frustration caused. There was also the corresponds letter sent to CFPB on my behalf my behalf, nothing in that letter has been addressed. I was assured the account was being looked and all mis-information would be corrected. There are still statements on my account with a New Jersey address, we never lived in NJ. Firstmark stated the Infor was transferred by XXXX XXXX. Never once in 6 years did we ever have a problem with XXXX XXXX, Firstmark is taking no responsibility or accountability for errors. Sorry to reach out to you again, not sure how to get someone from Firstmark to look into this. I am aware the calls are in a que and may be a bit behind. Again my credit rating is being effected along with fees being added to accounts paid on time. This journey just keeps getting worse. Thank you for anything you can do.
Product: Credit card

Earned XXXX in reward balance on this card. Got no advance notice of account closure due to inactivity, just after it was already closed. Please reinstate my account, or at least reinstate my rewards, so I can redeem them.
Product: Debt collection

I received a phone call from a gentle man calling me. The man called me and said XXXX as I asked who's this, the man tried to act as if he knew me, and we were friends. Then proceeded to tell me about a balance I owed. I ask for him to send me information on what he stated I owe. I got upset due to the gentleman never said the XXXX prior to his initial contact with me. I then went online and sent compliance an email. Couple days later the supervisor called me very unprofessional stating I asked her to call me. As I proceeded to tell her my concerns the conversation didn't end well, and supervisor hung up. As of this day the company still has not validated this debt and have yet to explain the call received from the rep pretending as he knew me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted multiple request to delete unverified hard credit inquiries on my equifax and XXXX XXXX credit files these credit reporting agencies do not comply and equifax has sent me letters stating that they can not find my credit file. equifax request my drivers license pay stub social security card and w2 all which i have provided multiple times. 
i feel like these companies are discriminating against me because i am XXXX ( XXXX american )
Product: Debt collection

This account was removed and proven to not be mine in XX/XX/XXXX and it all of a sudden re-appeared XX/XX/XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XX/XX/XXXX, all I received was bills with an address I never lived at, no signatures or  anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX  XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX  also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.