23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was able to come up with some money to pay off my some debt due to losing a family member during the pandemic. I paid off my chase card in full before the due date. I was still charged interest. I called : My first call I was disconnected on as the worker picked up the phone acted as if they couldn't hear me then disconnected. Call two called in and got customer service, explained that I payed the card off in full before the due date and requested the fees to be waived. The agent refused. I asked for a supervisor he then transferred me to tech support. After explaining to tech support, he advised I was transferred to the wrong department and transferred me back to the credit card department. I then got to XXXX who was kind but again after explaining everything refused to waive the fees. I have paid thousands in interest. I have not had a fee waived close to 10 years. I've been with them for that long. The statement is deceptive in its wording and is a UDAP violation. The fees should be credited. It's insane I've had to go through all this to get {$170.00} in fees credited when I've paid {$300.00} in interest for the last several years. This is terrible service.
Product: Credit card or prepaid card

Good morning. 

I have an American Express XXXX card since 2000. This past month, American Express closed my account without any proper notification causing my credit score to drop by 20-50 points. I found this out that my card had been cancelled, when I noticed my card had expired and I had not received a new card and I called up American Express, I was informed my only options were to apply for a new credit card. this would in turn have a negative impact on my credit score. 

Thank you
Product: Vehicle loan or lease

Sent remittance as payment certified mail on XX/XX/year> Had been received XX/XX/year> certified mail return receipt Accounting has not been corrected Resolution on my part was staying in communication No answered requests for why payment not processed Currently being harassed daily by this company Company locked me out of online account access and still won't send me validation of their claim of my account being past due Ignored my demand for Billing Error Dispute which was faxed on XX/XX/year> Overcharging fee of {$33.00} my agreement says {$25.00} Won't provide address where to send negotiable instruments or restrictive endorsements Sent threatening letter to me on XX/XX/year> about assumed repossession? So.. still not honoring my billing investigation request and do not pay do not collect status of questioned amount OR any supporting document with transactions made by me previously Letter received doesn't match other amount in question I need Proof and answers I did not attach file of their letter to me from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} Credit Limit : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I can't understand why. I checked my report as I normally do, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. I'm really upset about this and request that the documents I've sent be thoroughly reviewed so this issue is resolved once and for all.
Product: Mortgage

on XXXX XXXX, XXXX my mortgage was sold to SPS select portfolio services from XXXX my monthly payment was {$570.00} at that time which I had a loan modification with XXXX which is not being honored by SPS, now in XXXX XXXX, 2017 monthly payment is {$1200.00} I have called them 3 times trying to figure out why is my payment so high with no decent answers on XXXX XXXX, XXXX XXXX and XXXX XXXX I have reported them to texas attorney general also and I have not heard from them. I want to know if I could sue them, the reason I have not got a lawyer is because I m on social security XXXX income barley making ends meet with this new payment. I have looked up this company SPS on the internet and found out that they are well known for there predatory practices that a lot of there customers would love to sue them.
Product: Debt collection

Due to XXXX XXXX account was sent to collections agency by the name of MRS BPO LLC on XX/XX/XXXX the account was resolved Merchant is XXXX creditor is XXXX. Was told that within XXXX  days XXXX report will be updated as paid and still is not. 
Have contacted collections agency and XXXX and they have both be verified debt has been cleared. Contacted XXXX to have removed but they stated when the department verified information with company it shows I still have balance and that is incorrect, Ive sent in confirmation showing debt has been paid
Product: Vehicle loan or lease

I Have a car loan that I didnt consent too. Ive tried calling Credit Karma and other places to see where this vehicle is, that I knew nothing of Title 15 1681. 
Fraudulent loan has been place through my extension of credit. I will be filing a police report against Credit Karma for Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my student loans were transferred from XXXX XXXX to XXXX. As of today, XXXX XXXX is no longer an active company and does not exist. 

In XX/XX/XXXX I filed a dispute on my account because XXXX XXXX and XXXX were both reflected on my credit report. Because it was a transfer of loans, only XXXX should have been shown. After the initial report, some of the loans were deleted off the account but 3 remained. Late XX/XX/XXXX into XX/XX/XXXX I reported that the 3 loans remaining were a mistake and duplicates of the same loan on my account ( XXXX and XXXX ). XX/XX/XXXX Experian completed the dispute and found no duplicates. At this point I added " additional information '' to the report with a screenshot of the duplicate loans showing XXXX loans matching the XXXX XXXX loans that no longer exist. The dispute was re-opened/a new dispute was opened. XX/XX/XXXX the dispute was completed. In the results it says the XXXX loans were " Updated '' and the XXXX were processed. The XXXX loans are still on my account, giving my total student loans debt approximately over {$13000.00} more than what I owe.
Product: Mortgage

Predatory bank practices on our home ; ie, lack of modification two times, will not lower the 8.39 % interest. We were recommended to this agency from our state 's AG office. We believe the actual loan is with XXXX, yet serviced by OCWEN LOAN SERVICING with call centers in XXXX. Lack of negotiations from them. After 12 years and no missing payments from us. They will not be compassionate or care to understand w/o lowering the interest rate. Unfair practices to force retired, good people like us into foreclosure and lower standards of lifestyle from own home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. XXXX updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting or other personal consumer reports

XXXX times I submitted a dispute to a Collections on my Equifax account for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) for {$81.00}. I had battled XXXX over the cancellation of my policy back in XXXX. I had a fight with them to cancel my insurance for XX/XX/XXXX, But they didn't send me a cancelation notice until XXXX XXXX. They retroactively dated it back to XX/XX/XXXX in the email sent on XX/XX/XXXX. The email clearly states that I don't owe them anything. The AMOUNT DUE is {$0.00}. 
XXXX, XXXX, XXXX, XXXX XXXX assigned the account to XXXX XXXX for the amount of {$81.00} This only appears on my Equifax file. Not on XXXX or XXXX. I submitted disputes to both Equifax and XXXX XXXX on XX/XX/XXXX, XXXX, and again on XX/XX/XXXX. 
I submitted a copy of the XX/XX/XXXX Email from XXXX  each time. I believe that they are ignoring my dispute because it's only {$81.00}, so they think they can force me to pay it, but the email shows that I don't owe anything. I believe that Equifax has a duty under the FCRA to provide accurate information on my credit report. A collections account on my report hurts my ability to get credit and can hamper my ability to find jobs.
Product: Credit reporting or other personal consumer reports

In the past year, I have written multiple letters to Equifax Information Services LLC and XXXX Credit Bureaus explaining to them that my name, address and employment is incorrect. I have sent Equifax and XXXX my Driver 's license to validate my ID, Utility Bill to validate my address, FTC Report to show that I've been a victim of Identity theft and a dispute letter to explain and show the accounts that are fraudulent. In accordance with the XXXX XXXX XXXX Acts, Equifax have not been in compliance with the FCRA laws. The equal credit opportunity act prevents creditors from discriminating against individuals. I strongly believe that Equifax and XXXX have discriminated against me. My name, address and employment has been reporting incorrectly in their system and they have yet to correct it. As a victim of Identity theft, I shall not be penalized for actions that I have not caused. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Equifax and XXXX should be penalized for not following FCRA laws. Also, including that my personal information was impacted by Equifax XXXX XXXX back in 2017. Equifax and XXXX have failed me as a consumer.
Product: Debt collection

Global lending Services has been calling me twice a day for over 9 days straight now, sometimes after XXXX. They have even started calling my family members. In total they have called 18 times in the past week. This company is an outrageously unprofessional group.
Product: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries reporting on my credit report I ask that they be deleted these hard inquiries is effecting my credit negatively. Ive listed the hard inquiries. 

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

On  XXXX  2017,  I reported to Equifax that there were accounts reporting inaccurately on my credit report, and requested them to be removed due to them not belonging to me. There are   XXXX   accounts the remain on my credit report that are reporting and do not belong to me, nor had the  Credit  reporting agency provided me with information pertaining to validation such as a name and contact information with whom they validated this information with. The following accounts are reporting incorrect on my account :   XXXX   XXXX  - Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX - Acct #  XXXX  To date, Equifax has not provided me with any proof of a contract, nor proof of validation from whom these incorrect accounts were validated with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$64.00} BILLING ERROR AS DEFINED IN 15 U.S CODE 1666 B FAILURE TO FURNISH WITH A STATEMENT 21 DAY PRIOR WHICH OUGHT TO RENDER ANYRAMIFICATION OF LATE PAYMENTS REGARDING THE LINKED ACCOUNTS ( 4 ) THE CREDITOR FAILIRE TO REFLECT A PAYMENT MADE BY THEOBLIGOR OR A CREDIT ISSUED TO OBLIOGOR ON A STATEMENT. ( 5 ) A COMPUTION ERROR OR SIMMAR ACCOUNTTING ERROR MADE BY THECREDITOR O A STATEMENT FOR ACCOUNTS LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to    XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,     CA - Ph. no  XXXX  ) for minor filing services  o  n   XXXX   XXXX    2017.  I provided my insurance information and paid the patient share via debit card on same. They still   submitted an application for 'Care Credit ' without my authorization. I disputed the claim through '  XXXX   ' and also contacted the Care Credit 's finance department to have this inquiry removed. I have not received any response from Care Credit department regarding removing the inquiry. As the   XXXX   XXXX   office also over billed me for {$900.00}, I went to their office again  on   XXXX   XXXX    2017 t     o ha ve  the am ounts removed. They acknowledged the error and told me the charges would be removed. To my surprise, they ran another credit check and I received a second alert from  XXXX  that another credit application was applied under my name. I have contact both Care Credit department and   XXXX   XXXX   office multiple times. They always acknowledge the error, since they have absolutely no proof of my authorization, yet they never send me any documents that would help me remove these in quires from my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is XXXX  is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.
Product: Vehicle loan or lease

My car was repossessed illegally by Capital One Auto Finance on XX/XX/2018 during the night. In fact without notice of late payments or warning of repossession, Capital One Auto Finance came and picked up my car in the drive way. I had appointment that morning and could not find my car. I was about to go to the police and let them know that my car was missing, when my friend advised me to call the bank, which I did. And I found that the car was repossessed. I tried to argue but I needed my car. I asked them the amount I owed them and they told me {$490.00}. They also told me that when I go to get my car I would have to pay {$35.00} storage fees. I did pay the amount due of {$490.00} on XX/XX/2018. I went to the Capital One local branch and my friend to another local branch to make the payments ( XXXX  and {$300.00} ) the same day. Capital One also told me as soon as I make the payments to the local branch to call them so that they could verify the payment and send an electronic message to the place where my car was stored. I did call them and was told to wait 10 minutes, before calling the XXXX XXXX. I called to get my car back, but could not get XXXX XXXX XXXX XXXX on line. They were close for the day. I went to XXXX where my car was stored, paid the {$35.00} on XX/XX/2018, after waiting for several hours in the cold, rain, and wind, because the car was not in XXXX, and was still in transit I was told. I received a certified mail from Capital One auto Finance on XX/XX/2018 around XXXX XXXX. It was a notice of Sale and Right to Reinstate & Redeem. I have received also the same day (  XX/XX/2018 ) the records of my payments that I have requested several weeks ago. 
On XX/XX/2018 I have received my bank statements, and strangely I found an unjustified Repossession fee assessed of {$370.00}. I called Capital One Auto Finance, and the first person I spoke to, told me that she could not see that amount on her screen of the computer. I was transferred to another person who told me that the fee was the storage fees. I told him that I do not agree, and this was an abusive fee, and we did argue. I told him that I am going to report this to the consumer Agency. 
My monthly payments is XXXX, I was told that I did not make a payments for 90 days ( XXXX x XXXX = {$730.00} ), which is not true, and I was asked to make a payment of {$490.00} to get my car back. 
My complaint is about illegal repossession of my car, and unjustified fee, and mistreatment. I am asking compensation for mistreatment and removal of unjustified fee. 
Please find included : 1/Vehicle Release statement 2/Payments made on Capital One branches and XXXX for storage fee 3/ Monthly statement 4/ Notice of Sale and Right & Redeem page 2 & 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance has wrongful information about my account XXXX XXXX XXXX
Product: Debt collection

Received a letter from a collection agency about a XXXX debt owed. 
Sent a debt validation letter, what I received back was a contract with no signature and information inaccuracies as to when the business was started, name of business and bussiness bank account associated. They have it listed as XXXX XXXX collection with a bank account registered as XXXX XXXX that was has been closed and shows no deposits from XXXX. The date it says the business was established is incorrect. I can provide articles of organization and filing dates to show proof of when they were registered and date established. There is no physical signature provided to either prove that it was me who authorized the account and the debt to be owed. Just a check marked box. The chargebacks in question are fraudulent/I have no knowledge of. And theyre dated XXXX and the bank account associated with the XXXX claim had been charged off and closed end ofXX/XX/XXXXXX/XX/XXXX before the chargebacks were filed with XXXX  XXXX 
I can show proof of the statements to show no intuit deposits were made to that account and the closure date. 
There is also a fraud alert on my credit report due to identity theft previously and states i must be contacted before authorizing any opening of an account. 


They transaction dates on the debt theyre claiming i owe were made AFTER the initial bank account used for this application was closed so how can transactions be made and deposited into a closed account and the statements show no deposits were made TO that closed account. And the transaction dates from XXXX and beyond are AFTER the account was closed. 


Furthermore the business name listed on this account and the date it was established are inaccurate. I have attached the articles of organization. And the business account registered in the actually business name is not listed on the application.
Product: Credit card or prepaid card

I did pay my balance amount in Full before the Due date of the XXXX month. I paid my balance on XX/XX/XXXX. My due date was XX/XX/XXXX and Statement date was XX/XX/XXXX. They charged me with XXXX dollars interest after making the full payment of my balance amount before the due date. I tried to reach out to the customer care team but they are not responding properly on the charge. I am not sure what I can do as a customer and how my complaint resolve the issue. But just trying to see if they stop doing such charges on customers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' continues to report inaccurate information to XXXX, XXXX, AND EQUIFAX even after I sent them my dispute letter. It has now been far past the 30 days that they had under the FCRA to respond or delete this entry. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait as well as a copy of the initial dispute letter that I sent to XXXX XXXX

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX XXXX EQUIFAX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.