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

XX/XX/22 BillPay from XXXX XXXX ( XXXX ) to XXXX XXXX XXXX  ( Cap 1 ) for {$75.00} debited from XXXX checking account XX/XX/22 Payment of {$75.00} applied to Cap 1 Visa account XX/XX/22 Payment of {$75.00} from XXXX to Cap 1 cleared XXXX XX/XX/22 Received letter from Cap 1 that XXXX returned the payment due to Payment Account Issue XX/XX/22 Called XXXX, was told that XXXX had not returned the payment, that the payment cleared on XX/XX/22, and they sent me a copy of the cleared check that had been deposited by Cap 1. Was tol by XXXX agent that once a check has cleared there is no way for it to then be rejected or returned. This was XXXX Case # XXXX ~ XX/XX/22 Called Cap 1 to tell them the payment had cleared XXXX and not returned. They connected a XXXX agent for a 3 way conversation. The XXXX agent re-iterated that the payment had cleared XXXX on XX/XX/22 and had not been returned to Cap 1. I was told that the 2 banks would investigate and resolve. 
XX/XX/22 Called XXXX  to, once again, try to resolve the issue. The XXXX agent got a Cap 1 agent, XXXX, on the phone. The Cap 1 agent stated, again, that XXXX returned the payment, now for Stop Payment. This was never the case. The XXXX agent requested, 3 times, a Cap 1 case number from XXXX and was told, 3 times, that they did not assign case numbers. The XXXX agent then verified a fax number and department where a copy of the check deposited by Cap 1 had cleared XXXX. 
XX/XX/22 Called Cap 1 to verify they received the fax and were investigating. ( The very first question was what is your case number ) I asked to speak to a supervisor and once again explained the situation and that they had the proof of payment from XXXX somewhere at Cap 1 as the fax had been verified as received by XXXX. Given Cap 1 case Number XXXX XX/XX/22 The payment of {$75.00} had been credited to my account, but then had, once again, been debited out. 
XX/XX/22 Called Cap 1 to see if the problem had been resolved. It had not, so requested to speak to a manager, someone in charge who could investigate the problem. I was transferred to a gentleman who said he was requesting further investigation from the back office. 
XX/XX/22 Cap 1 sent me a letter stating they could not resubmit a returned payment and I would need to make a new payment of {$75.00}. That bears no resemblance to the issue at hand as I, nor anyone else, had asked them to resubmit the payment. 

Please note that in all of this, it appears to be an issue at Capital One as my account at XXXX XXXX has never been credited back the {$75.00} originally debited on XX/XX/22. Capital One has been asked several times to show proof that XXXX XXXX had returned the payment and has never done so. I have attached copies of the correspondence from Cap 1, copies of notes from the various phone calls and copies of both the XXXX checking account and the Cap 1 credit card account showing the respective transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On XXXX  is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On XXXX # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. Experian # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.
Product: Credit reporting or other personal consumer reports

I want to make a formal complaint regarding the inaccurate credit information you have reported. I am extremely distressed that these inaccuracies have been included in my credit profile The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611 Subsection AD, and under FCRA and TILA. Without written agreements, I question the validity of any liability as a victim of identity theft. 
Credit reporting laws require that all reported information be 100 % accurate. Therefore, every measure must be taken to ensure the reported information is correct. 
The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have spoken several times with Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX Tx, XXXX. It has been over the accumulation of late charges and fees portion of the statements they have sent to us. Our Loan has been passed on to XXXX morgage companies in the past ten years. The last being XXXX XXXX. We had an agreement that a {$50.00} late fee would be applied to our monthly payments if we were late. When the transition took place Nationstar automatically said we owed XXXX in late charges and fees in a category included in our statement. I contacted them and told them to please get this corrected. That we have records showing all late charges/fees were up to date. With XXXX. Since that conversation XX/XX/XXXX the first month Nationstar took over. We have sent our {$50.00} late fee when applicable for being late. I have called them several more times about this issue in the last year. I got so frustrated trying to get someone to correct the problem I sent the fees along with my XXXX XXXX payment to balance this account. I sent my XXXX XXXX payment in with the {$50.00} late charge also since it was XX/XX/XXXX. Which should have balanced my account. I received a letter XXXX XXXX indicating that the money I have sent them. An accrued amount of XXXX for those fees real or added on has been put in suspense and they still are adding fees to my late charges when they are holding that money and telling me if I do n't sent another payment of XXXX for my XX/XX/XXXX payment they will send the XXXX back and add it to this XXXX. Making it look like I owe them XXXX for XX/XX/XXXX Plus more late charges/fees. My monthly payment is XXXX plus {$50.00} late fees. And that is it. I spoke with them today and asked why they keep accruing this Late/fee and keep charging me more charges and fees when they have this extra money that was sent along with my payments to clear these charges up. They said as long as I pay late at any time they are not going to apply these funds to my late charges fee to clear this up. I only owe XX/XX/XXXX payment right now. I estimated that if they pull this on a half a XXXX accounts out there ( which is probably a low estimate on the amount of mortgages they handle every month. ) and just XXXX dollars is tacked on to each loan in fees like this. They could be raking in XXXX XXXX dollars a month and no one would be the wiser. They keep asking me to send the money in and they keep accruing more charges on money they already have. I asked them again to put that money where they ask for it to be paid on and they refuse. These are the kind of things that XXXX, XXXX XXXX XXXX, XXXX XXXX pulled back in the trouble period with the congressional hearings and Dept of Treasury situation to make it look like people are behind for foreclosure attempts. This worries me that this company is using these tactics also to liquidate loans. Should I be concerned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. This account is paid off and the XXXX has been satisfied. The account status and balance showing on my credit report is not correct. Please update the status and balance of this account on my credit report.
Product: Debt collection

I was billed the entire XXXX XXXX XXXX without them running it through my insurance which they had provided to them at the time of service. When they called to collect debt I let them know it had not been billed through my insurance and they said oh we are just hired by the hospital to collect the debt. Then stated we will call you back once everything is rebilled. I never received any other notifications calls or emails or mail until I saw on my credit report it was sent to collections. 

Name and info of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX ( XXXX ) XXXX
Product: Checking or savings account

Account with Dave XXXX compromised. Suspicious activity began on on XX/XX/XXXX when an advance was requested. I attempted to remedy this situation with them many times and recieved no response. 

On XX/XX/XXXX, I consolidated my funds into the dave account to make a rent payment, and within an hour my funds were drained from the account by XXXX transactions. I had never done business with the merchant in question, and the merchant was based in New Jersey while I live in Florida. The charges were made using a digital card. 

I attempted to dispute these charges twice and each time was told the activity was consistent with past activity. During these investigations, the personal info on my account was changed multiple times. After realizing this, I asked Dave to freeze the account pending investigation and not allow any more changes. 

While waiting for a response my account was promptly closed and deleted and I no longer have any way to contact anyone over the phone. The only correspondence possible is via email where they continue to tell me the same thing.
Product: Checking or savings account

Two fraud postal money orders was cashed but not by me of {$950.00} {$950.00} totaling {$1900.00} but bank manager took the money out of my account without me knowing and bad check fees of {$12.00} each but the made a mistake of not recognize the fraud so he in order to protect her he took my money it was reported to the postal service by me they were cashed XXXX funds was taken from my Acct. XXXX for this reason they are closing my Acct. As of XXXX the bank has filed many
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Agencies ( XXXX, Experian, and XXXX ) are reporting incorrect late reportings on my credit file. I was never late on my student loans. The following information is reporting inaccurate on my credit files. 

Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3600.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$880.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2100.00} There is inaccurate bankruptcy information that is reporting on my file : I contacted the US Bankruptcy Court and they informed me that they do not provide information to the credit agencies. So the information that is reporting on my credit file is incorrect. This is not my bankruptcy information. Please verify. 

There are also several inquiries that was not authorized by me : 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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Equifax XXXX Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely
Product: Debt collection

Phone number listed for Attorneys at law on application for wage execution is not a functioning number. XXXX Website to make payment or dispute the debt is only active on home page. It will not let me log into my account. Main page of website is looks functional, yet you are not able to make payments. I have tried to make new account and sends error that i already have a active account. Reset password multiple time and will not let me log in. 

Signed up for auto pay and stopped after 2 months. 

Wrote letter to not contact employer and reached out to my HR department
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX capital one added that I was late XX/XX/2021 when I had a auto payment scheduled. Regardless the fact I have two payments paid that month overall there excuse when I talked to them was that because the auto payment wasnt enough cover the exact amount needed be paid it showed as I didnt pay which is not my fault because I have them on auto payment and they should be okay with raising it if needed if I supposedly owe more not wait and give me bad remark and I always pay everyone I have no other negative remarks on my credit cards. I want keep it professional keep my 7 year relationship with them. I called tried speak for help three times last day was today XX/XX/XXXX and they stated they cant do anything about it. They wanted me send them what my credit report was saying because they are stating they did not add that I had a late payment. this is only negative thing on my account Im thankful for my partnership want to make it keep lasting but I would need help assisting me with this issue. I would really appreciate that this is removed from my credit report. I make all my payments on time and very grateful. Im just very confused why they keep saying they never reported it as a late payment when all my apps clearly state that. Please assist me with this.
Product: Debt collection

On XX/XX/2021 Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX updated my credit report with a derogatory mark for a past due amount of {$990.00}. I never opened a account during this pandemic. This account showed up days after I disputed another account. Im not sure if my information has been stolen or portfolio recovery associates are adding accounts because of my dispute. I have never done business with this company.
Product: Credit card or prepaid card

My wife purchased a Vanilla pre paid Visa card for my birthday in XX/XX/2022. The card is blocked and I am unable to use it. I called customer service and they are telling me to do things that are totally impossible to do such as getting a receipt which I no longer have. I want the card activated so I can use it. I know when it was purchased and where it was purchased. I am not getting anywhere and I am out {$100.00}. Help!!
Product: Credit card or prepaid card

APPLE CARDXXXXGS BANK USA reported a New Bank/Credit Card to your XXXX  Credit File. 


i never got a card and they are now reporting to the bureas
Product: Credit reporting, credit repair services, or other personal consumer reports

I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being TRANSUNION, XXXX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
Product: Credit reporting

On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX f )
Product: Credit card or prepaid card

I have spent over {$900000.00} in credit card charges over the years with Citibank. I pay my balance off monthly. I bought a large condo which I planned to remodel and wanted to keep the charges all on one account so I took out a double cash credit card. I thought getting 2 % cash back would be an added benefit. When I received the card I only had a {$10000.00} limit. I called to ask for an increase. I have excellent credit but they said noI had to wait 6 months. I started using the card and when a charge came in I would pay it off so I could make more charges. They immediately started declining charges even tho I had XXXX balance. After many conversations and getting different answers I got on a 3way conversation with my bank as I was told paying off my charges so quickly was suspicious and it could be drug money. The bank verified who I was and I thought that would clear up any questions. Well it didnt. I was then told it was because the business making the charges wouldnt accept the money. None of it makes sense. I have decided they want to hold your limit so they dont have to pay the 2 % by only letting you charge only {$10000.00}. Nothing is said about that in their advertising. I feel that is fraudulent on their part. I am very disappointed in Citibank. I might add I am an XXXX year old female widow
Product: Checking or savings account

Regions has been charging an ATM fee that was never disclosed. I had complained previously about the fees and they removed them, this time they will not refund. This is not the fee related to using the atm and being charged for that service. This is an additional penalty from regions for using an atm they do not own/manage. They have charged me hundreds of dollars over the past year and will not refund them. I do not think this is fair, they never disclosed this to me when I opened this account. They also refunded these fees and told me it would not happen again, but have continued to charge them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of XXXX XXXX XXXXI demand XXXX XXXX XXXX to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXX XXXXXXXX XXXXk XXXX XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX County court ordered me to pay XXXX XXXX in the rears and made an adjust to the monthly payment. The state of North Dakota is reporting me 120 days late from the time the Judge made the order. Judge made a provision for the back XXXX XXXX XXXX of 10 % to be an addition to the XXXX ordered monthly. I believe the first payment of XX/XX/17 was the first actual payment that could be made. The State of North Dakota Department of Family Services is has damaged my ability to get financial capital to be able to pay off this debt as it has adversely affected my credit profile. I reached out to XXXX XXXX the case manager on 2 accessions over the phone as well as other people in the Department and said basically they didn't care how it was reported and would not correct the errors. I also would like to have the accounting of the payments to be reviewed to make sure the balance is correct. 
case XXXX XXXX XXXX County North Dakota Pages 11-16