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

This has to do with Capital One 360 Savings. 

A while ago we happened to notice that our interest rate was stagnant at a very low rate although we saw advertisements for what we thought was the same product at much higher rates. After contacting them, they told us that we did not have the right account. We had a Capital One 360 Savings account NOT a Capital One 360 Performance Savings account. the names were almost identical. 

We asked why not just put into the " new '' product and were told that we need to open new accounts and then transfer the money from the old accounts to the new accounts. This seemed ridiculous at the time, but we did do that. 

Now it seems that there are a large number of people who were tricked into believing that their normal savings account was the same as this " new '' product. So for years, when we thought our savings rate was following the advertised rate for the new product with an almost identical name, we were mistaken. 

This absolutely seems like a very deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}
Product: Checking or savings account

I reached out XX/XX/XXXX because my accountant I was concerned about overdraft - {$250.00}. This is the first time I have been in a hardship and overdrafted. I received overdraft fees today XX/XX/XXXX which raised the balance of - {$350.00} three of the fees were reversed which brought it back to XXXX. It still puts my account in the negative. I still have no way of putting money in my account to turn it positive. I have been a loyal customer with chase for over 10 years and I have never had any issues. I reached out again explaining that a merchant had sent out a payment expected to be processed on XX/XX/XXXX they were unable to stop the payment. An agent through chase said she can do a stop payment but it would be a {$30.00} which still puts me in a negative. No one has been able to help me keep my account in good standing. Im about to start looking elsewhere to do my banking needs and banking business if this doesnt get solved. This is the only checking account I have on file and this is where my payments come out for my bills.
Product: Credit card or prepaid card

Hello y'all : I live in XXXX , Georgia . And I signed up and received a credit card from Chase ( XXXX XXXX XXXX ) who is a premium credit card with a annual fee of {$450.00} per year, with the benefit of having some benefits out of it. 

One of the peeks when I signed up was the Purchase Protection ( meaning that if I had bought something with the credit card and the item ( s ) got stolen, I could claim under certain conditions ) I could ask for the insurance company ( Credit Card Service ) to repair/repay for those purchases made using my credit card. 

Well, I started doing my XXXX degree in XXXX XXXX and I made the purchases that I needed for my classes using my credit card the first week of XX/XX/2018 using that credit card. 

I got robbed almost 3 weeks after that and I reported to the police. I submitted a claim for less than XXXX US $ with my 'insurance company ' who I used my credit card, confident that I will get at least my money back to buy back again my things. 

Well they declined because out of all the receipts, there is one for {$400.00} that they couldn't verify ( An XXXX receipt that instead of being some electronic thing, it was some groceries, still on my name but enough for them to decline it ). 

I asked them not to honor the electronic device and move forward to the other already verified receipts. They declined. 

Well, 6 months have passed now and XXXX XXXX XXXX refuses to pay for it, with one of their customer services telling me that 'it was because of the amount I was claiming '. I know the amount I am claiming, I got robbed. I sent them police report, receipts, I withdrew the only receipt they had issues with, they have their employee recorded saying that it was, in part, because of the amount of money, for 6 months I have being told that an examiner would call me -never, until this day, I had talked with an examiner before-. 

I used my student loan to buy again my material for my XXXX Degree, confident that Credit Card Services and Chase will honor the insurance I got promised, but they refuse. I desperately need help of the government to force them to honor their part of the bargain.I have never been past due, I have never missed a payment with them, but the interests are killing me and I want to use the money of the insurance to decrease my obligations until next year that I get to the US and I get to work again -if not I am going to have to declare bankruptcy, I can not work here-. 

Please, I beg you, I beg you, help me. 

XXXX XXXX XXXX +XXXX
Product: Student loan

Since XX/XX/XXXX, I have been calling Mohela and FSA about several years of missing payments in my history. They would blame each other. Now FSA is in charge of the PSLF payment counts. 

The missing time period is XX/XX/XXXX through XX/XX/XXXX. That time period doesn't exist for my PSLF counter and my XXXX counter. It should be present for both. Picture attached. 

I was employed by a qualifying employer and made payments to consolidated FFELP loans during that time period. 

I consolidated again to get into PSLF which caused the payment count to reset. That was XXXX. 

The IDR One-Time Payment Adjustment, which was announced in XX/XX/XXXX, was supposed to restore those years of missing payments made with qualifying employer if you loans are currently held by FSA and are consolidated, which my loans are. XXXX XXXX XXXX XXXX  ) Recently, I resubmitted my ECF forms from that time period and they still aren't counting them. I have a boilerplate statement from them saying those payments don't count because they were FFELP at that time. That document is attached.

However, I was given credit for five months, XXXX when I was previously employed by another qualifying employer and held consolidated FFELP loans at that time ( that picture is attached ). I should have credit for those missing years in my payment history. 

I have filed several complaints ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with FSA which go nowhere. I should have been at XXXX at XX/XX/XXXX and my loans should be forgiven. I have working to get this resolved since XXXX. Any help is appreciated. Mohela and FSA aren't providing the quality service their clients deserve.
Product: Checking or savings account

I issued a check # XXXX on XXXX assigned to XXXX XXXX. This check shows on my online register as honored by US Bank. The Company assigned did not endorse back of check, instead initials were present. No Bank stamp showing how/where check was cashed. This check was cashed illegally. 
I have requested an explanation of how this was honored? 
I feel US Bank failed to protect my account by illegally processing. I have requested in writing and e-mails to US Bank Fraud Div. and have not received a reply. 
I have further found the assigned Company was fraud. An Attorney 's name was used in this scheme and I have also contacted : 1. US Treasury 2. US Postal Service 3. California Bar Assoc. 4. XXXX XXXX District Atty Office 5. XXXX District Atty Office 6. XXXX XXXX  XXXX. 7. XXXX XXXX XXXX 8. California State Atty General Fraud Div. 9. FDIC Due to this error by US Bank and their failure to assist me, I have closed the checking/savings/debit/visa accounts that I have had over 25years.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC for failing to correct inaccurate reporting on my XXXX XXXX account, despite previous disputes. The errors are as follows : Incorrect Late Payment Reporting on a Closed Account XXXX  XXXX  XXXX account was closed, yet Equifax continues to report 120-day late payments, which is inaccurate.

This violates FCRA 605 ( a ), as closed accounts should not continue reporting new derogatory marks.

Discrepancy in Credit Limit Reporting Equifax reports my credit limit as {$0.00}, while TransUnion and XXXX correctly report it as {$200.00}. 
Under FCRA 623 ( a ) ( 1 ), furnishers must provide accurate and uniform information across all bureaus.

Failure to Properly Investigate Previous Disputes I previously disputed this account, yet Equifax failed to correct the errors or provide any proof of verification.

This violates FCRA 611 ( a ) ( 1 ), which requires Equifax to conduct a reasonable reinvestigation.

Potential Re-Aging of a Charge-Off Account The last reported date is continuously updated, which could be an attempt to re-age the debt illegally to extend its derogatory impact. 
FCRA 605 ( c ) prohibits credit bureaus from re-aging charge-off accounts beyond the legal 7-year reporting limit.

Previous Actions Taken : I disputed this account directly with Equifax, but they failed to correct or verify the information.

I also sent a dispute letter citing FCRA violations, yet Equifax did not comply.

Due to noncompliance, I am now escalating this matter to the CFPB.
Product: Mortgage

Received notice letters stating condominium insurance had expired, that no renewal certificate was received, and that force placed insurance would be purchased at likely higher cost. In fact, condo insurance had not expired and will be in force for more than 4 more months. Required me to spend time with my insurance company and then with Nation Star Mortgage ( NSM ) in order to straighten this out. Was told that their system failed to update. That can not be correct as there was nothing to update ( condo policy was XXXX XXXX - XXXX XXXX effective dates ). What bothers me more than spending 45 minutes fixing a non-issue, is how difficult NSM 's phone system was. Their system did everything possible to keep me from speaking to a human being. By the time I eventually spoke to one, he was very kind and ( eventually ) helpful. I pressed " XXXX '' over and over much to the automated system 's dissatisfaction. Should n't it be easier to speak to a human being?
Product: Credit card or prepaid card

In XXXX of XXXX and again in XXXX of XXXX Target reduced my credit limit, negatively affecting my credit score. 

I am a great customer. I member of both their XXXX XXXX debit and credit program, as well as the Target XXXX rewards. 

I make payments every month and most months make more than the minimum payment. 

The practice of lower my credit limit, despite there being no negative issue with the account, is impacting my credit and a hardship.
Product: Credit card or prepaid card

The primary purpose of my message is to file a complaint against Citibank , N.A . ( dba Best Buy Credit Services ) regarding our Best Buy XXXX credit card. The treatment I received aligns with well-documented complaints of inflexible late fees and interest charges from other consumers four times as many complaints as the next-closest bank ( according to the Consumer Financial Protection Bureau ). While Citibanks accounting methods may not be illegal, I submit the ethics of Citibanks business practices are questionable ( at best ). 

On XX/XX/XXXX XXXX last Thanksgiving Day XXXX, I opened a Best Buy XXXX  XXXX  account for the benefit of a deferred interest promotional offer. On the first page of the first statement we received, Citibank ( which issued the account ) stipulated, You must pay your promotional balance... in full by XX/XX/XXXX to avoid paying deferred interest charges. Under the Deferred Interest Promotional Offer Update heading on page three of the same statement, it said, No Interest if Paid in Full in 6 Months, Monthly Minimum Payments Required. 

The first statement we received had a closing date of XX/XX/XXXX, with a minimum payment of {$28.00} due by XX/XX/XXXX. Although Citibank did not expect/require payment until XX/XX/XXXX, I made a payment of {$80.00} ( toward purchases of {$460.00} XXXX in XX/XX/XXXX already. From XXXX to XXXX, I made monthly payments of {$80.00} each, and a final payment of {$65.00} in XX/XX/XXXX, for a total of {$460.00} ( the purchase amount ). As a consequence of their billing practices, I ended up with {$330.00} in accumulated late fees and interest. 

Yesterday XXXX XX/XX/XXXX XXXX, I spent several hours on the phone with several Citibank representatives. The first call ended abruptly mid-sentence. ( Its possible that we simply got disconnected, but it really sounded like a hang-up. ) Eventually, after two more calls and speaking to four more people ( with lengthy holds between each person ), I had explained our story five times. 

The last agent offered a settlement. Seemingly, Citibanks policy precludes the phone agents from removing late fees and interest charges. Regrettably, I accepted their settlement offer of {$180.00} for one simple reason : We have an excellent credit score and I am unwilling to gamble with it. 

To be sure, I made payments of significantly more than the minimum amount each month and paid the full balance nearly a month early. As such, I honestly do not believe that I owe ( d ) the {$330.00} in accumulated late fees and interest charges. Also, I have no reasonable expectation ( or confidence ) that Citibank will make it right, although Im ready to be wrong in this. One can only hope that Citibank will be held accountable for these egregious practices.
Product: Debt collection

This firm represents XXXX XXXX XXXX in a personal XXXX lawsuit. It was later determined, after correspondence mailed XXXX were never responded to, XXXX decided to simply turn their outstanding XXXX bill to CMRE Financial Services. On XXXX XXXX, 2015, this firm contacted and spoke to a " XXXX XXXX '' who repeatedly since XXXX XXXX, 2015, has indicated that our phone conversation was being recorded and that she would fax the bill so that the bill could be resolved at the time of settlement. To date, as of XXXX XXXX, 2015, XXXX XXXX refuses to submit the outstanding bill to this office despite receiving a HIPPA Compliant Medical Authorization for the release of medical records and " billing '' and a letter of representation signed by our client XXXX XXXX. The Account Number is XXXX and after this communication with your establishment, we will be filing a Complaint with the FTC. Her direct line is XXXX ; XXXX XXXX XXXX XXXX.
Product: Debt collection

Noticed a collection account from USCB. The original creditor states XXXX XXXX XXXX. I have absolutely no knowledge of this account. Requested validation of debt and original application and signature. I have received no correspondence at all. Basically, I filed a complaint about this same reason about this same debt collector. Basically, it is the same exact situation as the previous complaint filed for another erroneous debt in which documentation was requested over XXXX days ago with XXXX XXXX who has obviously ignored my request, ignored my request to dispute this information and who is further reporting inaccurate, false, erroneous information to the credit bureaus. If this is not resolved, I will seek alternative measures to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$340.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at XXXX time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out in XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern ; My credit information may have fallen into the wrong hands due to the XXXX Data breach/ Upon reviewing my credit profile with the credit bureaus I have identified fraudulent inquiries on my credit report of which I will list in this correspondence. 


XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX
Product: Credit reporting

ther are XXXX collection account from XXXX # XXXX and # XXXX, both are paid by my ins XXXX and XXXX, whatever aproved billing, it should be removed from my report, and another one from XXXX hospital which was paid # XXXX, shhould also be removed, and last one is fromXXXX XXXX # XXXX do not belong to me, this should be removed too
Product: Credit reporting, credit repair services, or other personal consumer reports

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/22, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided XXXX email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.
Product: Credit reporting or other personal consumer reports

MADE MY XXXX PAYMENT ON XX/XX/23. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/23, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}
Product: Student loan

I attended XXXX XXXX XXXX. I attempted to transfer because the school lied to me and stole from me. I have tried to get answers since I enrolled but have yet to get anything beneficial for me. I was XXXX during this time as well, so I am also trying to catch up on these issues.I want to finish school and be successful. I need help getting all the information that you may have for me.