23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I knew I was selling my car to a large car dealership, I called into Capital One Auto Finance for a payoff quote. The automated system directed me to call in to speak to someone, as I had an auto payment scheduled at that time it was scheduled for XXXX/XXXX/17. I did & spoke to someone at the company, they told me that as long as the payment was received within 10 days of the quote, the payment would not be considered late. I sold the car and Capital One received the payoff on XXXX/XXXX/17. The company reported my loan as paid off but reported my XXXX payment as 30 days late. I disputed through the credit bureaus & called the company directly only to be told that they a " no good will '' policy, despite refunding me the late fee assessed. They will not change my credit report.
Product: Debt collection

{$1800.00} has been collected from me since XX/XX/XXXX from collector other then original creditor and when requested documents of original agreement and information on how much I have left owed and proof of where my checks have gone to the operations XXXX promised it will be sent to me within 24 hours and since then and following up with him and other employees of Financial Solution Providers @ fsp emails and calling FSP number on main websites I have received no responses, pick up of phone calls anything at all and more payments are going to continue to come out of my bank account by auto draft and nobody will acknowledge or respond to any of my attempts to contact them. Im just being ignored and I don't know that my checks are going to something legitimate or what to do as nobody from that company will respond to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XX/XX/year> Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Incorrect and Outdated Addresses from Credit Report To Whom It May Concern, I am writing to formally request the removal of all outdated and incorrect addresses listed on my credit report, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Upon reviewing my Experian credit report, I noticed multiple old addresses that are no longer relevant to my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or outdated information on my credit report, and I am requesting immediate action to remove all previous addresses associated with my file that are no longer valid. 

Addresses to Be Removed : [ List all incorrect or outdated addresses here ] Reason for Removal : These addresses are no longer associated with me, and they do not reflect my current residency.

Having outdated addresses on my credit report increases the risk of identity confusion and potential fraud. 
The presence of multiple addresses can lead to inaccuracies in my credit history, which I wish to rectify immediately. 
Supporting Documents : I have attached copies of the following documents to verify my identity and current address : A copy of my government-issued ID ( showing my current address ) A recent utility bill or lease agreement confirming my residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX A copy of my Social Security card for identification purposes Action Requested : Per the FCRA, I request that you : Remove all outdated and incorrect addresses from my credit file Update my report to reflect only my current address Provide me with a revised and accurate copy of my credit report once these corrections have been made Deadline for Response : The FCRA requires credit bureaus to investigate and resolve disputes within 30 days. Please confirm receipt of this request and provide an update on the status of my dispute as soon as possible. 

If you require further information, please contact me at XXXX or via mail at my current address. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these outdated addresses have been successfully removed. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX
Product: Student loan

In XX/XX/XXXX I made a large payment to my student loan. I continued to make payments up until XX/XX/XXXX when I received a threatening phone call ( as well as my sister, best friend and father who have nothing to do with the loan ) that if I did not pay {$4000.00} by the end of the month, I would be sued. I was at that time told by the representative from Navient that my loan was in default and none of my payments since XX/XX/XXXX had been applied to my loan. At that time I pulled up all of my account records and bank statements which showed nothing that indicated there was anything wrong with my account and they had pulled the money from my bank. I contacted an attorney at that time as they have not stopped harassing me or my family and refuse to answer where my money has gone.
Product: Student loan

I was always told my customer service to do a Forbearance which resulted into my loan amount increasing dramatically. I was never told about the income based repayment until i asked about it even though everytime I called about my student loans I stated that i could n't afford the payments.
Product: Debt collection

To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both Portfolio Recovery and XXXX  XXXX XXXX in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates, LLC or XXXX XXXX XXXX the alleged amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.
Product: Student loan

XXXX   XXXX  University has taken last year and this year state tax refund of  XXXX  and  XXXX  for paying amount of  $ 1,000.00+. B ecause I called them couple of years ago to let them know that I can pay them at least {$50.00} a month. But they brought me to collections in which I wrote them a letter explaining my situation. And then I did not hear from the collections people at all. And then I received a notice that my state refund went to  XXXX   XXXX  University. I did not receive any notice or letter from  XXXX   XXXX  University that they were going to take money from me!!   Also I was charged an extra fee for collections services!! That is why I have to pay over {$1000.00} for the amount!! I have spoken to  XXXX   XXXX  University about taking my {$600.00} refund this year and they sent me by ema il 5 lette rs that I did not receive. What happen to collections helping with paying the amount? How much do I still owe  XXXX   XXXX  University?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

I checked https : //www.equifaxsecurity2017.comXXXX and the results showed that I have been impacted by this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX  ,  XXXX , and experian!!!!! I keep getting the run around and Im tired .... there is like a  XXXX  address/ names etc that I want updated also. Please HELP!!!
Product: Bank account or service

I attempted to open a saving account with Capitol One online this morning. The online site referred me to a security phone service personnel who refused to accept my saving account application, but more importantly they also refused to provide any basis for their action. I do n't understand how a request for a simple saving account involving no line of credit or check writing privileges would be turned down, particularly that my credit rating is quite high. Moreover, I thought I had protection from secret personal credit information by Federal and State statute. As of now, I do not have the account I applied for and I am left with questions about totally unknown personal information held by this bank that they will not reveal. I do n't know if this will happen again or how it will effect my future relationship with other banks or credit bureaus or how it might effect my future employment prospects. It seems XXXX has a practice of secret dossiers on consumers. I have no doubt that whatever they think they know about me is wrong, but I have no means of correcting the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$75000.00} ; XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state
Product: Debt collection

XXXX XXXX has had this in my credit for more than nine years, violating my rights. They sold the debt to a company that keeps treating me and saying bad words on my phone, saying they will stop when I pay. They also said they don't care that this is more than nine years, and I will pay. I don't understand if it is seven years ; they can do nine and still treat people. They violate every right, and no one listens. I disputed numerous times, and there was no response, neither erasing only threats.
Product: Checking or savings account

I am filing a complete with Capital One due to the failure of the deposit of my check from my employer. They have stated that they are having technical difficulties, which might violate the Electronic Funds Transfer act as it requires timely access to the funds.
Product: Credit card or prepaid card

On XXXX I called the number on the back of the card to make an automated customized payment. The system overrode my voice and applied my total credit card balance of {$1800.00} when I attempted four times saying I wanted to customize my payment. The automated service then said my payment was applied. I called and asked how much was applied because I didnt authorize any payments at that point. This caused an extreme hardship for my family and I. It took every XXXX I had in my bank account. This caused NSF fees, and I had no money. I could not make payments on my other credit cards as a result I incurred late fees from them. This is an error on their system. It took them 15 min to grab my money but yet they are telling me I need to wait 30 days to get my money back. Depending on who I talk with at Citibank I get different answers as to when Ill expect to see the money back in my account. I was told I would get it back on Saturday XXXX. That never happened. I then was told I wouldnt receive it for 10 days. I still dont have the money in my account. This is extremely devastating to my family and I as this was my payday money. All gone in minutes because of their systems screw up. Their system didnt even verify the amount I was paying. I want Citibank to make this right with me as its been days that we had to go through without money and consequences occurred in our bank account and other issues financially occurred. Nobody was helpful. Not even at the corporate level. The CEO refused to take phone calls ad I tried for two days to get a hold of her. I spent the day yesterday from XXXX XXXX XXXX XXXX XXXX. trying to get my money reimbursed but I did not receive any help. When I called the dispute department they also told me this has happened numerous times before to others. How convenient for Citibank. Somebody needs to do something to stop this from continuing to happen. Because again, this has been devastating and has caused a hardship for my family and I. Which at this time we are still living without any money. They need to be penalized for this.
Product: Credit reporting or other personal consumer reports

In XXXX, I submitted an RMA ( Request for Mortgage Assistance ) application to XXXX  ( XXXX XXXX XXXX ) and was informed that I had been placed in a deferral program. However, I was completely unaware that my loan was going to be transferred from Achieve. This unexpected transfer caused confusion and added complexity to the situation. 

Unfortunately, I have also been dealing with issues related to fraud, which have had a significant impact on my ACH ( Automated Clearing House ) drafts. These fraudulent activities have caused disruptions and financial strain, making it even more challenging to meet my mortgage obligations. 

In my attempts to rectify the situation, I have sent checks to XXXX as a means of payment. However, despite my efforts, it seems that there has been a lack of transparency and deception throughout this process. Additionally, I have experienced harassment through incessant calls from various numbers, including my wife 's XXXX, for reasons unknown. 

Overall, this situation has been incredibly frustrating and distressing. I am seeking resolution and clarity from XXXX  regarding the transfer of my loan, the impact of fraud on my ACH drafts, and the deceptive practices that have been observed.
Product: Credit card or prepaid card

During the month of XX/XX/XXXX I signed up for XXXX  Try then Buy program which allows users to try on a product for free and return it if they choose not to purchase it. I ordered a pair of XXXX glasses and returned them to a XXXX  store because I didnt like the style. 3 months later XXXX charged me because they said they never received the glasses. This was a lie because I 100 % did return them, so I contacted my credit card company ( Apple Goldman Sachs ) and filed a dispute with XXXX. My credit card company told me that I lost the dispute and I would be charged for the full amount of the glasses. I took the loss and paid because there was nothing more I could due. Flash forward to XX/XX/XXXX, I receive an email from XXXX stating they actually sent the money back to my credit card provider and accepted the chargeback. The XXXX representative informed me that my credit card double dipped because they received the refund from XXXX AND charged me as well. I have tried contacting my credit card company but they do not respond. I have email proof from XXXX XXXX XXXX with order ID # and refund ID # s proving they refunded my credit card company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below mentioned has violated my rights. 

1

5 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. 


XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Consumer Loan

We signed an agreement for the Debt Collector DYCK O NEAL. This is handled through there attorney. We have been making payments and are getting a negative report on our credit report. This is not a loan but a debt related to real estate. We feel this account is not being reported correctly.
Product: Consumer Loan

In XXXX 2014, I took out a {$5000.00} personal loan with Cash Call, Inc. The terms of the loan are egregious and predatory. My annual percentage rate is 116 %. The cost of my loan, according to my contract is {$35000.00} and the total cost, if payments ( 84 ) are paid according to schedule, will be {$40000.00}. My monthly payments are {$480.00} ( with exception of my first payment which was {$640.00} ) and are debited from my checking account each month. After making payments on my loan for the past two years, I find that as little as XXXX cents a month has been applied to the principal amount of my loan. Currently, less that {$3.00} per month is applied toward each payment.
Product: Bank account or service

Wells fargo converted a savings account to a checking account because of over transaction occurrences in two non sequential months, and then told me that it could not be converted back and that I would have to close the account and open a new account. they said it was due to regulation d requirements. the checking account has fees, the savings did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted dispute letters to the XXXX CRAs ( Experian, XXXX and XXXX ) about the inaccuracies and inaccurate reporting on my credit report.and yet nothing has been taken care of nor have I received any correspondence to what is going on.
Product: Money transfer, virtual currency, or money service

My cash app account was hacked, my email was remove, my phone number was removed and my pin to login was change. Tried to get in contact with cash app customer support but there is no option to talk to a live representative. I have no access to the account anymore, i can't see the activity i am completely locked out from it.
Product: Credit reporting or other personal consumer reports

The following accounts are the product of identity theft : XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

My Wells Fargo ( XXXX ) credit card was paid in full on XX/XX/XXXX. I immediately requested that Wells Fargo close my accountand within hours my online account reflected the closure. 

XXXX had updated all XXXX of my credit bureau reports on XX/XX/XXXXXXXX XXXX days prior to the payment in full and final closure date. 

Had XXXX reported my account properly, the credit bureaus would have had the correct information ; however, I have had decades of problems with XXXX keeping a custodial bank account open that should have been closed in XXXX, but still remains open no matter how often I call and request they close itso I am NOT at all surprised that they also failed to report my credit card status properly. 

The reason for my complaint today is that on approximately early XXXX, XXXX, I filed disputes with all XXXX bureaus ( XXXX XXXX, XXXX and XXXX ) requesting that my credit report be updated to reflect I no longer owe XXXX anything and the account should reflect a closed status. 

I spoke with Wells Fargo on the same date in XXXX they, too, submitted a dispute request to ALL XXXX bureaus on my behalf. 

Both XXXX and XXXX updated my credit report to reflect the correct info. However, XXXX failed to properly investigate, because, had they done sothey would have received the correct info, just as the other bureaus had received. 

After chatting online with XXXX XXXX repsgetting disconnected twice in the middle of both chat sessions I still have incorrect info on my TU account regarding my XXXX credit card. 

Again, had XXXX properly reported my credit card info as XXXX aggressively as they report customers open accounts, I would not have had to fight with TU to properly investigate my disputewhich they have NOT done. 

Thank you for your assistance in properly rectifying my issue, XXXX XXXX XX/XX/XXXX 2024