23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We have Mastercard credit card with Capital One. Even though we have paid in full and on time, in the past two months we have been charged a fee for interest for late payment. In each of those billing periods, full payment was mailed at our local XXXX XXXX XXXX or more days prior to the due date. It is simply not possible or credible that our payment checks would take more than 10 days to go from XXXX XXXX to XXXX XXXX, XXXX.It is most likely that the payment is received by Capital One and is not immediately deposited. There is no other logical reason for this to repeatedly occur.

We have been stone-walled by Capital One and are at the point where we expect to cancel our credit card with them because of their extremely poor customer service.

We have paid on time and in full and should not have interest assessed against us, especially since no late fee was assessed for the purportedly-late payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX - XX/XX/year>, XXXX XXXX XXXX - XX/XX/year>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: Debt collection

XX/XX/15 the amount is {$1100.00}. I sent a validation letter to verify that the services I received along with a letter verifying that I wanted my information to be released to another company or creditors. And I was contacted through mail of a creditor bill but not the letter that I allegedly signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my Experian, XXXX  and XXXX  credit report. ( see reports below ) There was also two recorded calls with Experian Manger and XXXX  Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) Experian, XXXX, XXXX, XXXX  and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED
Product: Student loan

They keep reporting balance decrease and balance increases on my credit report. Showing balance decreased by so so and yet I didnt make any payments. & then following month they increase by that decrease to hurt my scores. 

Currently I also paid off a few loans and they still have it showing as open with balance. I disputed with the credit bureaus and they kept sending info that the information is correct. They arent updating to credit reporting agencies correct information.
Product: Mortgage

Submitted {$790.00} mortgage payment written on XXXX in required time. Check deposited by Round Point Mortgage on XXXX. 

However, RPM charged a late fee of {$39.00} erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to all 3 credit bureau 's, ( XXXX, Equifax, XXXX  ), and the negative items that I have requested to have removed, still remain on my credit. They are required, under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ),  as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). I have been told that they have properly verified the accounts but I have not received any documentation with my signature on it. I've also been told by a rep at Equifax that they don't have original documentation with my signature on it because keeping paperwork like that would take up too much space.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. I did not authorize these inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. I did not authorize these inquiries XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Debt collection

A company call ed Vance Huffman licens e number  XXXX  called and attempted to collect on a credit card account from  2003  that was paid in full with the company   XXXX   XXXX   via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.
Product: Debt collection

A couple of months ago Complete Credit Solutions Inc. called me and the person stated he as an attorney for another company demanding me to verify my personal information via phone and acknowledge a debt owed... or else. He was very intimidating and threatening when I stated I am not verifying anything via phone due to scams and if I owe anything to any company they send it in writing. 

He hung up on me and I never received a letter or anything, however it just showed up on my credit reports. 

This company is violating many laws with their practices. I even sent a letter to request proof of debt I owe to Complete Credit Solutions Inc. as I never signed any contract with this company. No response. I demand for Complete Credit Solutions Inc. to remove this from all 3 bureaus immediately or I will have my attorney reach out to pay me {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, NCC Business Services of XXXX, FL is reporting twice on my credit report for {$740.00} and {$500.00} to all 3 credit bureaus since XX/XX/XXXX. NCC Business Services is  collecting on behalf of XXXX XXXX XXXX in XXXX, MI. I have been disputing the information as inaccurate since it was first placed on my credit. I lived at XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I moved in XX/XX/XXXX, on an agreement with the property manager that I would be let out of my lease with an intent to surrender notice. At that time, I owed NO money to XXXX XXXX XXXX. Prior to me moving out, I had a court settlement with XXXX XXXX. The court ordered me to pay all of the money I owed minus the erroneous fees that they charged or I would be evicted. I was ordered to pay XXXX XXXX in full for the back rent I owed and XXXX, in full by XX/XX/XXXX or I would be evicted. There was money that I also placed in Escrow with XXXX County 8th district court until a settlement had been reached. I moved out of XXXX XXXX XX/XX/XXXX with a {$0.00} balance. {$0.00} minus the late fees and including the money that would have been payed to them out of the Escrow account. I have a ledger to prove the payments I made as well. In XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to see what exactly the details of these amounts were. I was asked to put together a dispute and send it to them via email and they would investigate it. I composed a dispute to XXXX XXXX XXXX via email, including a ledger and documentation from the courts to prove that I owed no money to this landlord. I asked for NCC or XXXX XXXX to produce an updated ledger through XX/XX/XXXX. I provided my record with XXXX XXXX district court to show that they mailed the money from Escrow as well. XXXX XXXX is aware that money was being mailed to them from the Escrow account because it was determined in court. I also provided the court documents to NCC Business Services as well. NCC Business Services told me back in XX/XX/XXXX that they would send over my response to XXXX XXXX and follow-up with me within 2 weeks. It is now XX/XX/XXXX and I have not received a response from NCC Business Services or XXXX XXXX and the inaccurate information is still being reported on my credit. This inaccurate has kept me from being approved for apartments because it seems as if I left owing a balance which is false. It is unfair for a company to say I owe them money and send it to a collection agency to retrieve the money but have no proof of how I owe the money or where the amounts came from specifically. They also can not prove that I damaged the property in any way. It is unfair to me that my credit is suffering for inaccurate information and there's nothing that I can do to rectify the situation. I refuse to pay money that I do not owe.
Product: Checking or savings account

Called in to Chime online banking disputes department XX/XX/23 to file a claim for {$120.00}. The funds were taken by XXXX XX/XX/23 and promised a refund by XX/XX/23. Order was cancelled. When I filed the dispute Chime told me I was ineligible for a provisional credit due to Regulation E, which is incorrect information. I told them the dispute was for refund not received and the representative filed incorrectly, which a supervisor I spoke to after confirmed and claims she updated but that wasnt the case.The supervisor then told me I qualified for provisional credit but investigation department telling my reason not covered Regulation E for provisional credit. I told Chime there was a similar pending charge from same merchant on XX/XX/23 and the refund they promised me just went back into my account today. They did not state anywhere in dispute letter that under Regulation E for disputes if resolution not found with in ten days or twenty days theyd provide provisional credit. They are not in compliance with banking regulation for disputes or claims process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for a Perkins student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of 40 points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here to enter text. 
XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Vehicle loan or lease

I paid my Truist car loan payment XX/XX/XXXX, which was due on XX/XX/XXXX. 

After looking at my account Truist says there is " no activity '' on my account. I have a reference number sent to my on XX/XX/XXXX stating my confirmation number and details of payment. ( Confirmation Number : XXXX ) Payment Date : XX/XX/XXXX Payment Method : Personal Checking Bill Name : XXXX XXXX Loan Account Number : XXXX Amount Paid : {$780.00} Apply To : Regular Total Payment Amount : {$780.00} Truist Response in a Chat was : I understand your concerns regarding your loan payment and I apologize that we were unable to meet your expectations in servicing your banking needs. Please know that our goal is to provide superior client service by understanding our clients ' needs. Therefore, I have taken the liberty of logging a formal complaint on your behalf regarding this matter. Your comments will allow us to evaluate our current policies and make modifications as needed. We appreciate you bringing this matter to our attention. 

Their website shows no indication that a payment was made or in progress. They do not appropriately make it clear that a payments was made or in progress causing great concern to consumers who may think the payment did not go through and will make another payment without knowing the payment was made. 

Truist ( formerly BB & T ) refuses to make the necessary changes to their site, and also there is no product that indicates a consumer can inquire to a Auto Loan or a number to contact them for just an Auto Loan, only a personal loan, mortgage loan, credit cards etc... 

I believe their website and information regarding loan accounts is misleading ( UDAAP ), and could cause misapplied or overpayment on their loans. This will cause Credit Reporting issues and it appears there are some EFTA violations due to their misrepresentation of the outstanding balances due.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft I uploaded all supporting documents below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Transunion over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amounts on my credit report since XXXX of XXXX : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} They have not replied to me or removed items from my credit report
Product: Checking or savings account

This is the 3rd complaint Ive had to make trying I get my money from my account. I paid off the overdrafted money that was due to a check that I cashed for my sister that was returned for different name than account holder. Not a fraudulent check just a different name. My account was locked and I had deposited {$2000.00} which minus the overdraft would have left {$1700.00} and I have been needing my money. Im behind on rent and bills due to this, Id id known this is what was going to happen I wouldnt have cashed my check through this bank.
Product: Credit reporting or other personal consumer reports

U.S. Bank persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, U.S. Bank reports an address they know is not mine and potentially was used to open the fraudulent account. uS Bank has also refused to provide me with a copy of the signed credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and filed a full police report regarding the Identity Theft and the impact of the negative items on my credit report that do not belong to me. I filed a formal letter to Equifax reporting the Identity Theft along with a copy of the Police Report and asked them to remove the items listed on my credit report that do not belong to me as they were from the ID theft and Equifax has refused to remove these items after 3 months.
Product: Vehicle loan or lease

I have an auto loan through Wells Fargo. The payment options they provide are designed to be predatory. I can not schedule a recurring payment for anything larger than the minimum amount, so I am forced to schedule one-time payments. Wells Fargo 's online service only allows me to schedule two one-time payments per day, and only up to six weeks in advance. I just want to pay {$300.00} on my loan every two weeks, but I have been told this is not possible. I have attempted to contact Wells Fargo directly via their customer service email form, which received an unhelpful response, and via phone - their representatives have hung up on me. I haven't missed payments due to this appalling lack of customer service, but that's only because I've been overpaying. This is a deliberate attempt to harm people, and they should not be allowed to continue doing it. Every other loan account I have offers plenty of payment scheduling options, and Wells Fargo needs to be held accountable.