23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owed a veterinary balance on my CareCredit account I couldn't pay in full on time. It was sold to XXXX. After making multiple small one-time payments, I agreed to allow monthly payments from my bank account until paid in full. I paid down to XXXX, but a balance of {$130.00} still remained! Not only was my account not paid, but I added up all my payments to them and they OVERCHARGED ME {$81.00}! I immediately sent an email asking why the agreed upon amount did NOT settle my debt and to return the {$81.00} they took from me. I got a letter stating an investigation was initiated. FOUR MONTHS LATER I GOT A LETTER FROM DIVISION MANAGER, XXXX XXXX -- the account has been closed and I have no further obligation. That is great -- but where is my overpayment return??? I sent a letter to their customer support services in XXXX, MI and got no reply! Please help me demand they give my money back! I am XXXX with very limited income and I need every cent of {$81.00} they overcharged me and decided it is acceptable to keep! They deserve a much more severe punishment for their greediness!
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.
Product: Bank account or service

Some years ago my former husband and I had a " PMA '' account with Wells Fargo. When we closed that account this year, a checking account that was included free with the PMA account was converted into an account for which a service fee was charged. This was done without our knowledge or consent. XX/XX/XXXX I received a statement from Wells Fargo that had a negative {$30.00} balance. I immediately called and was told not to worry about it. The account was closed and I would be receiving a statement with a XXXX balance soon. In XX/XX/XXXX I received another statement and this time the negative balance was {$60.00}. Again I called and was told the account was closed and the balance was XXXX. Today I received a notice from a collection agency for {$60.00} -- and then I spent nearly two hours on the phone with WF being transferred from one person to another with a lengthy hold period between each. The final person I spoke to told me there was nothing she could do. The account was in collection. I would have to pay it and suffer the negative consequences on my credit rating. 
I want Wells Fargo sanctioned for this kind of abuse. And I want them to provide me with documentation stating that this matter was sent to collections in error.
Product: Mortgage

Shellpoint Mortgaging Service has lost four of my payments from the Cares Act program. The first payment was made end of XXXX. The check was cashed XX/XX/XXXX. The second was sent XXXX the third in XXXX. They have lost all the checks or applied to someone elses account. I have conferences call Shellpoint with the Cares Act people twice. I have called Shellpoint since XX/XX/XXXX almost every day with no resolution. I will now seek an attorney
Product: Debt collection

hi i contacted the company that i had service with because they turned my service off and took the equipment back because they refused to update my credit card there because my old one expired there and i reach out to there billing dept they said ya sure we will update it there and also fix it then they never did but reported it to a collection company saying i would never pay it off but my answer and request to them was the same thing i told the other company and both places refuse to update my request there so im trying to move forward with help.
Product: Money transfer, virtual currency, or money service

I've had money stolen from my cash app several times
Product: Mortgage

I initiated my application on XXXX  XX/XX/XXXX. The application was in the section titled apply for preapproval now. They required us to enter all of our personal information as well as authorize them to request a credit report and pay a fee of {$85.00} and then prompted us to request a specific amount. My initial intention was just to figure out what wed be approved for that is what the purpose of preapproval is and what it was marketed to be on their website. 
After finally getting in contact with the loan XXXX, XXXX days later, she informed me that they wouldnt even consider half of our income due to their policy and the fact that we have changed jobs over the last few years. Even though the consistent income shows, they would not accept paystubs or bank statements they just said no. And that they could just flat out not approve us. Confused, I asked not approved for anything? 
We applied for preapproval. We want to know what we can afford and your company markets that they can help us. The loan XXXX plainly let us know that its because our debt to income is too high so we revisited the number, and she informed us that we must request a specific amount for preapproval, which seemed very backwards based on what that was marketed online. We chose an amount and she rekeyed the application at that amount. And XXXX more days later, we were informed that the application was also denied so now we are XXXX days before the grace period of XXXX  days for credit request is over and this company has wasted our time throughout the entire process and at this point just seems pretty predatory. 
As someone who was trying to start a long process that they worked hard for to buy a home, just wasted an inquiry and my time in the matter and Im more than upset. 
No one wanted to help me then so I would like someone to help me now, in making sure the same thing doesnt happen to another hard-working individual. 
I did what Im supposed to, I submitted all the information requested and it seems like that company didnt think that they could make as much money off of us or just flat out discriminated against us, but I know for sure with our credit scores in our income, We shouldve at least been given the opportunity to have a mortgage and they did not do that whatsoever.
Product: Debt collection

XXXX XXXX XXXX XXXX was paid through a private trust account ; therefore the debt was satisified. Berks Credit & Collections, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX has bought the debt for pennies on the dollar. I sent a debt validation letter to them in which they did not respond in XXXX of 2015. They are still sending letters. I did not sign a contract with them and they continue to harass me, attempting to extort monies and committing mail fraud. I would like you to investigate this agency because they have no legal or lawful ground to stand on. 
XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXXXXXXXXXX
Product: Debt collection

The company Velocity Investments , LLC has acknowledged that they have closed the account for this debt. Because of this closure I would like this information communicated to the Prothonotary of both XXXX and XXXX counties, both in Pennsylvania so the judgments can be removed and my credit restored.
Product: Credit card or prepaid card

Hello, I went through the pre-approval process online and it said I was pre-approved for a personal credit card. I have an XXXX XXXX XXXX but was denied. The reason given was ( identifying information does not verify. ) I called them and verified myself over the phone and wanted to know what specifically they here having a problem verifying and i would send proof but they would not tell me. I already have a business credit card with them so I know I must be verified and in their system.
Product: Credit card

Late in XX/XX/XXXX I received my XXXX Freedom Card statement from Chase Bank ( XXXX account number ending XXXX ). I noticed several suspicious charges. I called Chase Bank and reported the unauthorized charges and was told the bank would remove the charges while they investigated. They then told me to destroy my card and they would issue a new one. They have. The new card ends in XXXX. 

On XX/XX/XXXX I received a phone call from Chase Bank. Among other things I was asked if the XXXX card had been lost or stolen. I said it had not. The card had always been in the possession of my wife or myself throughout XXXX. I also was asked about XXXX. I told the investigator that my wife frequently uses XXXX. Finally I was told that Chase Bank considers the charges legitimate since the card was not lost or stolen and that I would have to pay the disputed amount - {$2300.00}. I protested and was told to write an email to the fraud office of Chase Bank. Which I did. 

I got another call from Chase Bank on XX/XX/XXXX. Among other things I was told the problem rested with XXXX and thatI had to take up the matter with XXXX. I informed the caller at that time that Federal regulations apply to this issue ( 12 CFR 261.12 ( 1 ) ( i ) and 15 USCA 1643 ( 2 ) ( b ). I also asked whether Chase Bank wasnt the better party to deal with XXXX. They would have a more difficult time dismissing Chase Bank than a simple card holder like me. I was afraid XXXX would simply tell me the problem lay with Chase Bank and that I should deal with them. 

I called XXXX and was transferred to XXXX. Unsurprisingly XXXX told me the problem lay with Chase Bank and that I should deal with them. Below is a list of the fraudulent charges, the dates they occurred and, where possible, the location at which they occurred and my justification for why I know the charges were unauthorized. 



Date Amount Store XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$150.00} XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, OH XX/XX/XXXX {$150.00} XXXX XXXX XXXX, OH XX/XX/XXXX {$150.00} XXXX XXXX, OH XX/XX/XXXX {$150.00} XXXX XXXX OH XX/XX/XXXX {$150.00} XXXX XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, MI XXXX XX/XX/XXXX {$380.00} XXXX XXXX XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$150.00} Neither my wife nor I have been in Michigan, Ohio or XXXX in the past 5 years let alone XX/XX/XXXX. There is a XXXX in our hometown but neither my wife nor I phoned or entered this pharmacy at any time during XX/XX/XXXX. 

I need help in getting these charges removed from my account whether it is Chase Bank or XXXX is the correct entity to do this. Can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX ( home ) XXXX XXXX XXXX ( cell )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX which appears on my credit report. Upon reviewing the reports from XXXX, XXXX, and Equifax, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues : Inconsistent Reporting Across Credit Bureaus : Key details of this account, including the Date of Last Activity, Date Opened, and Account Status, vary across the credit bureaus. These inconsistencies violate the FCRAs requirement for accurate and consistent reporting. 
Failure to Accurately Reflect Transfer to Another Lender : XXXX lists the account as " Transferred to another lender, '' while XXXX and Equifax do not include this information. If the account has been transferred, all credit bureaus must accurately reflect this status. 
Misrepresentation of Account Status : The account is reported as " Indeterminate '' for its status, which is vague and misleading. FCRA requires clear and accurate reporting of account statuses, such as " Closed, '' " Settled, '' or " Transferred. '' Misrepresentation of Payment and Balance Information : While the balance is reported as {$0.00} on all three reports, XXXX describes the account as " Charged off as bad debt, '' while XXXX lists it as " Charge-off, Transferred to another lender. '' This inconsistency suggests inaccuracies in how the account 's resolution is being reported. 

Requested Action : I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, status, and remarks, across all credit bureaus. 

Update the account to clearly reflect its status as " Transferred, '' " Closed, '' or another definitive status. 

Ensure the reporting aligns with FCRA standards for accuracy and clarity, particularly regarding the transfer of the account to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both XXXX, XXXX, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
Product: Credit card

In accordance with the fair credit reporting act,, theres creditor has violated my right under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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: Checking or savings account

I am a XXXX XXXX XXXX who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. Bank of America, without consulting me, closed my account and debited my account for nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and XXXX XXXX XXXX won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to Bank of America. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business. The loan is a current loan being paid back to the XXXX and Bank of America is holding my banking account privileges hostage because I am unable to establish an account with the bank of my choice due to what they are reporting. I owe Bank of America {$0.00}. The loan is a current loan being paid on time to the U.S. government.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is being denied wherever I go. 
I have written to the agencies, police, credit card companies, social security office as there had been a XXXX and all my personal information was stolen. 
However till date it seems nothing is being resolved. 
I travel extensively and seldom use credit, so I understand that my score would not be good, but companies are telling me that there are delinquencies and unpaid debt on it, but they are not telling me what it is. 
I need help and for someone to urgently look into this for me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX Balance:XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX XXXX Balance:XXXX I went to the XXXX XXXX  XXXX business hall and talked to the customer service manager. I called the service staff of the XXXX   XXXX XXXX security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the XXXX XXXX XXXX of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$2.00} XXXX and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of XXXX XXXX XXXX, the lack of correct verification information and the closure of my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer XXXX XXXX and I have requested several times that EXPERIAN send my my credit report. There are some inaccurate items that are false and EXPERIAN does not have my consent to report any of my information. EXPERIAN has assumed a role by XXXX which means they need the consumer 's consent to report my information. I'm demanding reinvestigation results and contents of investigation to be sent by mail to the consumer. EXPERIAN is violating my consumer rights pursuant to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$30000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX XXXX and XXXX by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about the consumer protection laws. and I request your assistance in the investigating this matter to ensure my rights are upheld. Thank you.
Product: Student loan

I recently recieved a re-fi loan for my Sallie Mae Loans. The first loan was disbursed correctly, and the second one was not. It was split up into the three loans that were left, and not used to pay off one loan as was directed by my new loan servicer. I know I and my re-fi company correctly communicated which loans were supposed to be paid off, but instead, Sallie Mae has once again messed everything up. All they want to do is keep me paying the insane interest rates I have been unfairly given. This is the third time I 've had to file a complaint about them with you, and the second one in two months.
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX regarding erroneous information that is showing on my credit file, however, this company refuses to send detailed information validating this debt. I have requested multiple times for XXXX XXXX XXXX XXXX to forward a detail of the charges including original creditor to the address on file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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