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

am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in saving act.I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

XX/XX/2022 {$12000.00} I Called my Bank of America on XX/XX/2022 to tell them that {$12000.00} was stolen from my account using XXXX. Today XXXX they sent me a letter saying my claim can not be honored, because it showed that the amount was transferred from a device that is consistent with previous valid account and that transaction was validated using an authentication code sent to a valid phone number. I have no clue how this happened. I believe my computer was hacked and that the person logged into our bank account put his name on the XXXX  list and transferred himself the money. I got the email as soon as the transfer happened and I contacted my bank to put a stop to it ; however I was told that it can not be reversed.
Product: Credit card or prepaid card

I have emailed Milestone asking for help but they provide no method for hard of hearing customers. The only way I can contact them is through email. 
I have faced a hardship and have asked them to reduce my monthly payments and I have heard nothing back. 
Today they threatened me with a charge off in an email demanding {$360.00}. Still without any financial assistance offer.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there is a collection that is still reporting on my credit when it should have been deleted. XX/XX/XXXXalready deleted the collection account. Therefore it should be deleted also by TransUnion andXX/XX/XXXXThis is really affecting my life negatively, due to COVID-19 I lost my apartment, and im unable to get a another one because of this collection account that is supposed to be deleted. I am begging you please to solve this situation. I am really struggling at this moment. I am a very responsible person, I have a 100 % payment history. This collection is literally ruining my life along with COVID-19.
Product: Mortgage

Good afternoon, Sir/Mam, the issues I'm currently facing with Mr. Cooper mortgage is that, I am a XXXX XXXX veteran and have been approved by the state of Maryland as being Tax exempted. However, Mr. Cooper has been charging me Escrow fees since we moved into our home XX/XX/2021. 

This was brought to light by my original lender XXXX XXXX  ( XXXX XXXX XXXX ) who requested an update of my current mortgage as to ensure we weren't being treated unfairly and that we're paying the correct fees. Upon his review XXXX XXXX XXXX asked, " why are you putting money into an escrow account when you are Tax Exempt? '' I then told him I wasn't sure as to why Mr. Cooper charged me extra escrow but did mentioned that I had brought the issue up with Mr. Cooper, at which point XXXX XXXX XXXX XXXX suggested I file a complaint with the consumer financial protection bureau because I was being wrongfully charged.

I've contacted Mr. Cooper and spoke with the compaby several times about this issue. Representative from Mr. Cooper asked me to provide proof of my exemption letter multiple times and that which I did. However, Mr. Cooper mortgage claims they could not find my document on file. this has been ongoing for the past XXXX and half years since we moved into our home. 

Furthermore, every year, it seems our mortgage seems to be increasing and this is due to the property tax for which I am exempt. My concern is that, if this continues, we may not be able to pay our mortgage and possibly lose our home.

The escrow payment is recurrent and I am attaching a copy of both my tax exempt letter and escrow charges for your review. Lastly, I have a family of six including a 1 year old and is just asking that each party is treated fairly as time are hard with the current inflations. 

Thanks.
Product: Credit card or prepaid card

Dear Sir / Madam We booked XXXX XXXX XXXX located in downtown XXXX XXXX, CA for two nights of XX/XX/XXXX and XX/XX/XXXX. At 1st night of XX/XX/XXXX we stayed in room XXXX XXXX around XXXXXXXX XXXX of midnight my wife was XXXX XXXX XXXX XXXXXXXX XXXX woke up, there are multiple XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and we found a bed bug in bed. Then we immediately went to the inn office to report the incident and requested to switch a room. 

However the staff said that the inn was full and there was no vacancy room for switch. He asked us to come back in morning and promised to switch a room for 2nd night of XX/XX/XXXX. We had no way but went back room # XXXX, but we could not sleep because XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next morning the staff switched our room to room # XXXX for 2nd night of XX/XX/XXXX, the room # XXXX was fine with no bed bug. 

On XX/XX/XXXX I called the hotel and requested a refund of {$100.00} ( cost of 1st night stay on XX/XX/XXXX ) ; however the hotel representative named XXXX refused to refund. 

On XX/XX/XXXX and XXXX XXXX, XXXX I submitted a dispute in writing with the same description and pictures of multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bed bug found in our bed as evidences to the credit card issuer-Chase for two times ; However on XX/XX/XXXX Chase finally rejected my dispute with Chase confirmed that the transactions you disputed are valid. 

We do not agree with Chase conclusion that " Chase confirmed that the transactions you disputed are valid ''. The conclusion of investigation is unfair for us, because of bed bug we dissatisfied the stay in XXXX XXXX XXXX, my wife was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she was not able to sleep whole night. We lost {$100.00} for that night. We doubt whether Chase really did investigation. 

Please help us to get corrected. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX  XXXX XXXX
Product: Mortgage

I expressed my frustration with trying to get Bank of America to honor this agreement with your office. I am writing this letter because I have fought and fought to save my home. Bank of America and its attorneys have refused to offer me an affordable modification under XXXX, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on XXXX XXXX XXXX a ( XXXX ) to transfer my interest in the mortgage and note to the XXXX XXXX, yet Bank of America has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case XXXX CH XXXX. The Illinois appellate court want to dismiss the action saying that do n't have to honor the Federal Consent Order. I have went as far to seek relief in the XXXX XXXX of Illinois the case was transferred back to State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute regarding the inaccuracy of this account and they responded but not directly to my dispute. i filed a Chapter XXXX bankruptcy in 2018 a Relief of Stay and a motion of Relief was ordered by the Bankruptcy Court and XXXX XXXX was ordered to pick up the vehicle and instructed to sell the vehicle or whatever they do with it and I be held responsible for the left over balance and that did not happen. XXXX XXXX is holding me responsible for the full balance of this vehicle when they allowed a 3rd party to repossess the vehicle then XXXX XXXX did not pick the vehicle up from the yard even after someone called them and told them the car was there. XXXX has phone records showing where they advised the Yard owner to keep the vehicle and he did, now they are charging me. The vehicle was not in my possession nor my responsibility after the courts ruling. 

SEE ATTACHED RELIEF OF STAY AND MOTION TO RELIEF
Product: Credit reporting or other personal consumer reports

I have recently been informed that there are several Bankruptcy listings in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.

The United States Bankruptcy Courts of XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*.
Product: Credit reporting or other personal consumer reports

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt written instructions
Product: Credit card or prepaid card

On XX/XX/2022, someone called with XXXX number saying was from XXXX XXXX, just want to verify my phone number with account. I was suspicious. I immediately call XXXX XXXX and they said that there was nothing wrong with my account. The person continued calling me over 10 times and I refused to answer. At the time, I notice a welcome email from Prosper. I didn't want open it nor any subsequent email from Prosper. However, I received a credit card with a snapshot of spending on it. So I called Prosper -- again, without providing personal information like birthday, etc. other than my name that was already on the card. The person, XXXX, stated that he submit a request to close the card and close any information on it. He also provided a ticket number, XXXX.
Product: Credit card

Doing covid my accounts were scammed and fraud to place and i my account was closed and put in collections
Product: Checking or savings account

I have not gotten my deposit yet! Been put on hold for over two hours and also no one is giving any updates. Only until others on XXXX put pressure on Capital One to give a statement. I think it is real sketchy how they got sued earlier this week on XX/XX/XXXX for CHEATING people out of XXXX XXXX dollars regarding their interest rates. I get early deposit on Thursday usually and it is Friday XX/XX/XXXX at XXXX XXXX! This is almost over XXXX hours and the only thing they can say is its a tech issue. Yeah right. Are they going my late fees? My bills do not care there is a outage at my bank. That's over XXXX missing! I need that money, LIKE YESTERDAY. And also its a holiday Monday ( XXXX XXXX  ). It is going to be really upsetting when I can not get gas or food to go work! I do not care if they are closed! I have to go to work still. If I also, do not get the correct in my account process or in full ; I will be suing. I know for a FACT I WLL be switching banks. When I FINALLY get my check. HOPEFULLY
Product: Credit reporting, credit repair services, or other personal consumer reports

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 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately USBK COURT NEW JERSEY - 1920848 - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account - Your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. The FTC has publicly stated that your public record information is often inaccurate XXXXXXXX XXXX XXXXXXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Product: Mortgage

I have a 20 year mortage with Wells Fargo and have been making monthly auto pays. 
Two months ago I received a letter stating that I would owe an additional sum as my last payment was XX/XX/XXXX. This is not a balloon loan. 
After several attempts to contact Wells Fargo today I spoke to XXXX who informed me that my auto pays were set up for the XXXX and my due date was the XXXX that 's why I accrued additional interest. I was never informed up to now that the payment date would result in additional fees or I would have made the payments on the XXXX for the last 20 years. 
I feel that this was unfair and deceitful on the part of Wells Fargo as they should have made it clear what the impact of this would be financially when they allowed me to choose a payment date. 
As a side not I have another mortgage with Wells that also has auto pay and there was no choice of the payment date. I believe if they gave me a choice of a payment date for my first mortgage it was because they knew it would benefit them.
Product: Credit reporting or other personal consumer reports

I received a debt collection notification letter dated on XX/XX/year> from Spring Oaks Capital , LLC for a XXXX  account originated with XXXX. It states that my XXXX account was now owned by Spring Oaks Capital SPV , LLC and the total amount of the debt amount was {$1300.00}. Following the notification, my XXXX account was settled with the collection agency. This settlement was completed on XX/XX/year>, and the balance was resolved in full. I received two emails from the collection agency : Agreement to Resolve Your Account letter issued on XXXX XXXX and Account Resolution Confirmation letter issued on XX/XX/year>. However, to this date, almost a year after it was settled and resolved, the balance is shown in my records as owed. The collection agency has failed to update my records in the credit reporting bureaus. I have made multiple phone calls to both the collection agency and original lender. Multiple times, they opened tickets to investigate the matter, but have never reached out to me with updates or results. I sent a letter requesting the collection agency to update my records. I request the Consumer Financial Protection Bureau to enforce compliance on the collection agency 1 ) to update my records accordingly and immediately.

2 ) to cease any further collection activities regarding this account 3 ) and ensure that no negative marks related to this resolved debt appear on my credit report.

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have federal student loans with XXXX. I never had a late payments. My student loans went into deferment. There should be no late payments on my student loans if my monthly payment is XXXX. This is a big discrepancy for me it's hurting my quest for getting funding. I just want the late payments to be removed from trans Union and XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and Experian is report late payments for XX/XX/2024 that the other XXXX consumer agencies are not. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I start disputing it in XXXX the original creditor was XXXX  in which I paid off debt they I am assuming sold it to NCB credit management and are now listed as original creditor for the amount of {$3700.00}. This debt had been paid never should have been reported as late as needs to be removed immediately because its basically fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all 3 credit bureaus. I have called 12 times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make 3 or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped 10 points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked Transunion and XXXX to remove it until the dispute was completed but they did'nt. XXXX I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.