23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One bank is taking me to court over {$2000.00}. We missed a month and they said we had to pay {$300.00} and would n't work with us. We did n't have that money. So we could n't pay. Now I 've received a summons to court over {$2000.00}. We do n't have that kind of money. We are barley getting by. My daughter has a XXXX on her XXXX, my father in law is XXXX of XXXX, and I just recently had XXXX XXXX XXXX. I feel like my rights are being violated when it comes to the fair debt collection act for using abusive debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX  XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX XXXX XX/XX/XXXX {$1000.00} 12.  XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 accounts numerous times that say current payment status is " in collections/charge off and account status is derogatory. Both accounts are paid off, transition  refuses to correct it yet on full credit report it shows the negative info but in account section it doesn't. It shows paid. I have tried for over a year and a half to get this corrected and they are telling me I am wrong that it had been verified. XXXX XXXX XXXX was paid in full well before it became a charge off and XXXX XXXX  was also paid. Neither account is still in collections or a charge off. All three credit bureaus show the negative info and neither the bureaus or lenders seem to care to change it. It has dramatically affected my interest rates as well as score since it shows as a derogatory account. XXXX XXXX agreed to remove this from my reports if I paid in full yet still won't do it. XXXX is also reporting that there is still 100 % of loan to pay off when it is completely paid off
Product: Credit reporting or other personal consumer reports

This is my XXXX time reaching out to yall about these unverified accounts that are still hanging around on my credit report. Im talking about accounts that shouldnt even be there, violating 15 U.S.C. 1681. This is unacceptable, and we need to get it sorted out ASAP.

Now, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law to provide me with a detailed description of the procedure used to determine the accuracy and completeness of the information on my report. This includes the business name, address, and telephone number of any furnisher of information you contacted. And youve got 15 days to get this information to me thats the law! 

Last time, yall told me in writing that you " verified '' these items. Alright, but who exactly in your company did this verification? How did they verify it? I need the name, business address, and telephone number of the person or business you contacted during your reinvestigation. Plus, I need to see the documentation you used to verify this dispute. Show me the evidence! 

As of now, you have NOT provided me with any hard copy documentation showing that these accounts have been properly verified. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA, you are required to promptly DELETE all information that can not be verified. The law is crystal clear on this point. 

If you fail to comply, the Civil liability and remedies for " negligent noncompliance '' under Section 617 will be enforced. I am fully prepared to pursue litigation to protect my rights under the FCRA. 

I demand that the following accounts be deleted immediately : Name of Account XXXX XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX  Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX Account XXXX : XXXX XXXX  Status : Unverified Account Name of Account : XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX  Account Number : XXXX Status : Unverified Account Im expecting this matter to be resolved quickly. Lets get it deleted this time
Product: Credit card or prepaid card

I have had aXXXX XXXX XXXX card from Capital One for several years. Yesterday, I was unable to use it. I called them this morning and was told there had been a questionable charge so they put a hold on my account. They had written me about that questionable charge and I responded that it was all right. They made no attempt to let me know they were still keeping a hold on my account. When I spoke to a representative this morning, she said I had to send a copy of my social security card. ( I am XXXX years old ; I lost my social security card 50 years ago, as did most people. ) I asked for an alternative ; she said there was none. I have to send them a copy of my social security number. I asked to speak to a supervisor. She put me on hold and after about 10 minutes, I was cut off. I called again and got another representative who was no more helpful than the first and offered me no alternative to sending my social security card. 

This account gives points, and I have XXXX points. I don't want to lose them. Neither representative would answer my question about the points. They say my account will remain on hold until I send them my social security card. I live in XXXX Getting a duplicate send to me and then sent to Capital One would take a couple of months. 

I am stuck. There is nothing I can do. I have to pay them what I owe them now and I don't know what will happen to my points. And I can't use the card. Please help
Product: Checking or savings account

Discover Financial closed my account and has not sent me the remaining balance. It was closed about 2 months ago without warning, but I just want my money back. I believe there was around {$40.00} in the account.
Product: Money transfer, virtual currency, or money service

We have sent XXXX wire transfers XXXX XXXX XXXX to Bank of America as below as an investment to a XXXX XXXX and discovered that they are all fraud and scammers accounts. We worked with XXXX XXXX to communicate with Bank of America to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Bank of America for not responding and for not reimbursing my funds. Date and amount of transfers XXXX {$25000.00} XXXX {$25000.00}
Product: Debt collection

Over the course of 3 years ranging from when I was XXXX - XXXX years old, I had multiple visits to a Medical Office where I was seen. Undenounced to me these visits were not paid in full by my Mother or Father which were my legal Guardians at the time. The unpaid visits were sent to a Collection Agency in an attempt to collect. The Collection Agency placed the past due debts under my name/ social security number with information on paperwork they shows I was under the age of XXXX at the time of the visits. Unknowingly I paid these debts off in full thinking they were for something else. The Collection Agency is offering to refund my money, but, only after I informed them of this situation years after it began.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},
Product: Debt collection

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

DISCOVER BANK  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the DISCOVER BANK customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Product: Mortgage

The lender PennyMac increased the escrow account by {$480.00} monthly from {$490.00} to {$980.00} stating that we were behind for the last 12 months. 

According to the property taxes of {$3900.00} and property insurance of the {$2400.00} the normal monthly escrow should be {$6300.00} divided into 12 months it would be {$530.00}. 

Therefore, that huge incremental is impossible for us to pay and unreasonable under any circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

These accounts were open by fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on XXXX  in regards to suspected fraud activity being reported by Bank of America Missouri from XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to Bank of America after receiving copies of a signature card bearing my  signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from XXXX  and XXXX XXXX XXXX. Thank You in advance
Product: Debt collection

I have received no verification of debt from the Credit Corp Solutions company. I have filed several disputes and requested several times that they complete a verification of the debt and mail the results to me. They have not responded to any of my requests but continue to report inaccurate information on an invalid debt and balance owed and increasing the debt balance daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 TransUnion has an incorrect phone number on their website that I called and I was told to call this number by XXXX. When I called the correct number that XXXX had given me that everything was the same and told TransUnion about the situation they hung up on me.
Product: Credit card

In a letter dated XXXX XXXX, 2013, Capital One Bank agreed to satisfy a default judgment against me which had been fraudulent obtained when the process server claimed to deliver it to an address where I had not lived for several years ( previous CFPB complaint CFPB XXXX ). As of today, more than a year later, XXXX County court records indicate they still have not done so. I need for Capital One Bank to do the right thing, as it promised in 2013. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$210.00} medical bill from  XXXX . It was turned over to collections  XXXX . This has been turned over to Equifax by  XXXX  ,  XXXX . in  XXXX . As of a few days ago, they are still reporting it. This collection is being resold. It should come off in 7 years from original report date, correct? In  XXXX ? Or will it be on there indefinitely as long as they keep reporting it. I have been getting calls from unknown numbers from someone with a foreign accent saying they were a debt collector. I never answer and let it go to voice mail. I have challenged with Equifax about multiple reporting on this but was declined.   Thanks
Product: Debt collection

Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information was fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. It has been difficult getting in touch with someone. I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have attached the money order receipts to show the full amount that I sent to the Law Offices of XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to make timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

USI Solutions Inc. has contacted me about an old credit card that was a charge off. I settled the debt with XXXX XXXX XXXX in XXXX of 2015 which is the company listed by the creditor. USI has continued to contact me about the debt even after I provided them proof of settlement through XXXX. The credit card number and amount that USI has are incorrect according to XXXX ( the original creditor ) and XXXX ( current creditor ). They are threatening me with further action and harassing me about the account their account. They have stated that I must have had another account, which I confirmed with XXXX, was inaccurate.
Product: Debt collection

Received a threatening, abusive, rude telephone call from XXXX XXXX of XXXX XXXX XXXX and XXXX. She threatened to send law enforcement to my home and job and to garnish my wages for a credit card debt that she refused to provide me information about. She said that i owed {$1200.00} plus court costs and attorney fees. 
She had the wrong birthday and SSN for me. She also left a message on my husband 's phone number which has no connection to me at all.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Equifax Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$33000.00}.
Product: Checking or savings account

Wells Fargo has recently changed their policy on overdraft fees. Managers and customer service representatives no longer have discretion in reversing fees. I have detailed documentation of conversations. Wells Fargo now only allows reversal of one fee per calendar year. I was explicitly told that this policy came into effect in XX/XX/2024. Also Wells Fargo is manipulating deposits in many cases such as posting deposits last, posting debits first. Recently Wells Fargo intentionally posted deposits after the cut off time, which created a situation where I was over drafted. Its important to note that if a customer makes a cash deposit and transfers to another Wells Fargo account, example from savings to checking, or from checking to checking, Wells Fargo will intentionally not post those funds until after the next day. In many cases this is a cause of overdraft fees. Wells Fargo is technically using this to generate more fees. Even though customer service representatives want to help in reversing fees, I want to emphasize that Wells Fargo also no longer considers hardship or long term illness as a reason to reverse fees. Also Wells Fargo has some the highest fees in banking.
Product: Consumer Loan

I applied at XXXX in XXXX ar i traded my already paid off jeep liberty they were suppose to give me {$7000.00} for it in trade the vehicle i traded for was only supposed to be {$2000.00} more from that by the time papers were signed i had XXXX kids there for XXXX than when i went to the restroom they allowed a boyfriend to sign on my car i had no idea about it when i realized what happened i called the car lot and asked to void it all cause the price was n't what had been agreed on and his signature on my papers they said they already sold my car i was basically well lack of better words screwed. So i begin the ppayments i could n't afford than they allowed this guy to take my car and now want me to pay cause he hasnt
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money to a friend using XXXX through Chase. I entered my friend 's name and phone number. He had never used XXXX before so he went to his bank ( XXXX XXXX XXXX ) to ask how he could receive it. He was told he could not because be did not have a personal account, only a business account. When I went back to cancel the request I saw that the transfer was completed. Now, XXXX wants you to make a claim through the bank, not directly through them. I did just that and was told there is nothing they can do because XXXX does not check the recipient 's name, only the phone number or email. Since I used my friend 's phone number and he is not registered with XXXX, the amount was aparently deposited in an account tied to that phone number before it belonged to my friend. I was told there is nothing XXXX can do to recover my money even though I sent it to the right person and the right phone number.
Product: Mortgage

I am beyond furious with Ditech. I called my insurance agency per your information to inform them that my homeowners insurance would be escrowed going forward. My insurance company informed me that my policy needs to be paid in full ( {$550.00} ) by XXXX/XXXX/16 or they will cancel my coverage. When I called in to speak with my account rep I was put to voicemail both times. I called in and went to customer service XXXX/XXXX/16 and was informed that everything was set up and both insurance and taxes were escrowed. I called yesterday XX/XX/XXXX to verify this when I did not hear anything from either my agent or Ditech and was told by a customer service rep at Ditech that my insurance was NOT escrowed and I would need to upload or fax in the HOI bill to you for payment. I called back today to verify that the HOI bill/dec page was received and XXXX told me that no, my insurance was not set up to be escrowed. She told me that there was nothing Ditech could do regarding the pending cancellation. She implied that I had not kept up with payments on my insurance and none of this was the responsibility of Ditech. I asked to speak with a supervisor and she said she would 'transfer me to the Insurance Department where someone would tell me exactly what I just told you. '' When she came back on the line after a 5 minute hold she told me that the insurance department said they would not make payment to my insurance company and it was my responsibility. I asked for a supervisor and she said she did not have a supervisor available. I asked to hold and she said she could not put me on hold for a supervisor as she had no supervisor available. I told her that was " XXXX '' and she said she would have to disconnect the call for my using profanity. 

Correct me if I 'm wrong, but the Customer Service department does have supervisors, right? They do answer escalated customer calls, right? And pending insurance cancellation is a serious issue for a customer, correct? 

I work in the mortgage industry and I have made EVERY attempt to resolve this in a professional manner. I am forwarding this message to anyone higher up at Ditech that I can reach and to the CFPB as well as my insurance agent. Please respond to me BY PHONE at XXXX within 24 hours.
Product: Bank account or service

M & t bank customer service Claims a credit card can not be issued without a chip. The card is constantly denied! Poor customer service with XXXX, XXXX and XXXX. Refused give me the president!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed certified letters to all 3 companies on asking for a proper investigation and to provide me a copy of my original signed contract for the accounts that are in collections. Ive also ask that they remove any wrong spelling of my names and addresses Ive never resided.