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

I have a CapitalOne credit card that I have had since XXXX. I make my payments on time every month, as I am enrolled in autopay. I don't check on my account much, as i have never had any issues or troubles with it. I don't use the card anymore, just trying to pay the balance down. Well, my husband was notified that his credit card payments were past due. We called and were told we were unenrolled in autopay and it must be an issue with the bank. We called the bank, no issue. So, we re-enrolled in autopay and had to pay late fees. I then thought about how i have a credit card with them too, so i called and i was 2 months past due also unenrolled from my autopay. They told me that i didn't call or go online to do this, so they were trying to figure this out. This phone call happened XX/XX/XXXX, and they advised me to call back when my husband was around so that we could get this figured out, since he had a similar situation. So i called back XX/XX/XXXX and went through numerous people trying to find out why this happened. They finally told me that they unenrolled me, because my address changed. ( I moved to a new house, same town, same zipcode, and still own the house at my old address ) not sure why that would cause an issue. They said it was part of their terms and if i had an issue to take it up with the credit bureau. I paid my balance contacted all credit bureaus, but they could do nothing. Just updated my account balance, etc. So i am reaching out as i have two hits on a previously good credit score for something that i did not do. Capital One should be held responsible for this con, and shouldn't be allowed to tamper with someone's autopay. I am appalled. I would like my credit report cleaned up, as I DID NOT TURN OFF AUTOPAY.
Product: Student loan

I have submitted a request to my loan servicer Utah Higher Education Assistance Authority for income based repayment by faxing an IBR request form to them. The Utah Higher Education Assistance Authority has not acknowledge receipt of the request and is still claiming I have a delinquent balance. I want UHEEA to honor my request and check my elgibility for income based repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, Bank of America is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : Experian, XXXX, and XXXX. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. 

These are clear violations of my federally protected consumer rights.
Product: Credit card

I tried to request documents that I signed when opening my account and both the customer service representatives, and the branch tellers refuse to give me my documents. I have tried it multiple times, and they continue to redirect me after making multiple attempts to obtain my initial agreement and account disclosure documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

-XXXX XXXXXXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX XXXX, XXXX. 

MACYS/CBNA Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2100.00} Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$6500.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. {$520.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. {$300.00} written off. {$490.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5200.00} Status Collection account.
Product: Credit card

My Social Security Number XXXX has been compromised, and someone fraudulently applied for a credit card with JPMCB CARD SERVICES ( ending in XXXX ) using my identity. Furthermore, I want to highlight that I was not present in the USA at the time of the application, as I resided in XXXX until XX/XX/XXXX. I can provide my immigration papers ( I-94 Form ) as evidence, stating the date of my arrival in the USA. Please find them attached for your reference.
Product: Debt collection

I emailed this company on XX/XX/year> regarding this disputing this debt and requesting information. Upon review this debt was already discharged by the circuit court of IL.
Product: Credit card or prepaid card

Charge for {$29.00} on XX/XX/XXXX appeared on my Discover Card statement for Payment Protection, a service I never signed up for. I contacted Discover who agreed to credit this amount and the past 6 months of charges for this which amount to {$20.00}. I was then informed that I have been a member of this program since XX/XX/XXXX. When asked why i haven't seen any large charges I was informed it is because I keep a lower balance on my card. I feel I should be reimbursed for all charges related to this since I was signed up, without my knowledge, for 17 years. I also see Discover card settles a class action suit on this back in XXXX for which I was not a part of as I was unaware of the suit. I also have never used the " benefits '' of the plan as I was unaware I had it. I also would never have used the plan as I never had need to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX companies pull my credit report in the last year, equifax reported to my car insurance that I had too many credit inquiries. That is outrageous! XXXX credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same XXXX credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Product: Payday loan

I received a call from Dollar Loan Center about a payment. The Caller ID stated " XXXX XXXX XXXX ''. The call came from XXXX. I do n't have an issue with receiving the call, but it seems very misleading and deceptive to use the title of a XXXX for debt collection.
Product: Debt collection

1. Misrepresentation about non-interest program made in XXXX and XXXX of XX/XX/2019. 
2. Failed to describe the terms of a program that we enrolled in so that we can properly discharge the debt. 
3. Ignored FDCPA regulations. 
4. Co-mingled separate entities and accounts. 
5. Misrepresented information about credit reporting that had extremely negative consequences. 
6. Bounced the collections between American Express and third party collections teams but inconsistent information regarding debt we are not responsible for. 
7. Ignored two cease and desist requests. 
8. Refused to connect us with their legal department in regards to discussion of unfair practices.

9. Acted with trickery, deceit, and willful ignorance and purposefully evading specific problem areas and failing to honestly respond to questions and communications.

10. Refused requests for any written communications in regards to the debt collection.

11. Refused to review previous discussions with internal agents and third party discussions between collection staff and myself.
Product: Debt collection

I have checked my consumer credit reports and it appears that an account from EOS CCA has appeared on my credit report for an alleged amount of {$990.00}. I am asking for full proof of accounting and documents that show the accuracy of this reporting. : I am asking you to provide proof of me having a contractual relationship with your company and that I am liable for this alleged obligation. I would be happy to enter any agreements with you on the following conditions on everything set forth in this complaint. I can send this information certified mail with a return receipt and include an affidavit of truth notarized, signed under Penalty of Perjury, as well. Pursuant to 15 USC 1681b ( 2 ), no accounts should be reported without the WRITTEN PERMISSION OF THE CONSUMER. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. NO OTHER ADDRESS SHOULD BE LISTED ON MY CONSUMER CREDIT FILE. THE NEXT NOTICE WILL BE SENT CERTFIED TO ENSURE YOUR PROMPT RESPONSE IF THERE IS NONE TO THIS DOCUMENT. I am requesting that EOS CCA substantiate the claims made there under for XXXX XXXX in order to properly verify its summary and/or claim. The following claims made thereof can be substantiated by submitting the following pieces of information and/or instruments of indebtedness. 1. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of for XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 2. Proof of claim that the agency listed for the claim is the current holder of the original note above mentioned alleged debt instrument and that it is not been on-sold to another party. 3. A true certified copy of the actual accounting whereby bank essay has incurred a loss of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 4. A True Bill inked in blue with Bill and value marked upon it's face and not a statement for any amount of money allegedly owing or owed to bank essay by for XXXX XXXX that conforms to the Bills of Exchange Act and the Trust and Loans Company Act and has not been endorsed by a federal agency with pursuant to the Financial Administration Act and the Bank Act. 5. Proof of claim that there is any lawful money in circulation in the involuntary bankruptcy of United States backed by anything of value*. In addition to the above, the credit reporting agency is portraying itself as a credit bureau, when according to federal law, the only bureau is the Consumer Financial Protection Bureau. That is a false and misleading representation. Violations through 15 USC 1681 and 15 USC 1692, with consumer liability under 15 USC 1681n and 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

I called transunion on XXXX XXXX. I spoke with a representative who informed me my credit report has not been updated since XXXX for my XXXX loans. It shows I owe XXXX in XXXX loans because they have duplicated information on my credit report. 

I explained the still currently have XXXX and XXXX Bankruptcy, XXXX XXXX XXXX, and XXXX. 

When speaking with the represetative my credit report with Transunion has not been updated since XXXX. She did see all of the documents and certified mail I sent in to dispute the information. 

I requested for them to remove all XXXX  loans which are reporting inaccurrately the agent informed me it was my responsibility to send them the corrected information. 

he Fair Credit Reporting Act ( FCRA ) XXXX became effective on XX/XX/XXXX. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection Act3 such as the Truth in Lending Act and the Fair Debt Collection Practices Act. 

1. My XXXX  loans are reporting Inaccurately and should be Removed because they have not bother to report correctly since XXXX. 
2. XXXX is a collection agency and is not reporting information which is contractual agreed upon. 
3. XXXX XXXX XXXX has been on my credit report since XXXX and it is extended.
Product: Credit reporting or other personal consumer reports

I WAS IN XXXX XXXX  AT THE TIME OF THE IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

DEPARTMENT OF EDUCATION ACCOUNT : XXXX AMOUNT {$500.00} DEPARTMENT OF EDUCATION ACCT # XXXX AMOUNT XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT # XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT {$3000.00}
Product: Mortgage

I bought home in 2007 and financed with first and second mortgages from Flagstar. I decided to short sale home in 2011. Flagstar dragged out the process and now I know why because of the fine assessed by CFPB for illegal practices last year - just read. Anyway, Flagstar eventually after about 6 months of haggling ( losing mulitple buyers etc ) approved my short sale. One stipulation of their approving my short sale was that they forced me to sign a promissory note to continue paying about 60-65 % of XXXX mortgage back ( & gt ; $ XXXX ). I would like to know if I have 1 ) any rights to the ordered settlement they have to pay and/or 2 ) the ability to have the promissary note cancelled? I think I have grounds for some type of settlement and will consult with an attorney but wanted to also submit complaint. 
Thanks
Product: Credit reporting or other personal consumer reports

Social security number is XXXX my complaint XXXX  XXXX  experian theirs is three adverse negative items the three accounts are fraud they supposed to be removed from my XXXX report theirs is a federal trade commission identity theft report on file sine XXXX
Product: Credit card or prepaid card

I purchased as replacement for a lost XXXX XXXX XXXX XXXX XXXX earring on XXXX pair advertised as the same ( see attached ). Upon receipt, it was immediately obvious the earrings I bought from the seller were fakes. I contacted XXXX XXXX Corporate ( " XXXX '' ) who confirmed that the seller was unauthorized to sell authentic XXXX XXXX ( see attached ). XXXX 's policy is to return the purchased item to the seller, but as a practicing lawyer I can not because knowingly transporting fake or counterfeit items through the mail is a felony. I contacted XXXX XXXX ( " XXXX '' ) fraud department to report the purchase and they provided a provisional credit. I completed their application ( see attached ). First they claimed they never got it but retracted that lie when I showed the 22 page fax confirm as proof I indeed completed the application and did so on time. The fraud dept. next insisted that I provide additional " proof '' that the earrings were fake. At law, proofing a negative is impossible. XXXX knew that XXXX does not authenticate items and that XXXX authorized dealers are forbidden by their insurance carriers to provide documents stating that items are counterfeit or fake due to liability. So XXXX knew or should have known that the additional and unnecessary proof was impossible. They already had sufficient proof as follows : 1 ) the fake earrings in the pictures are OBVIOUS fakes, not even a good copy side by side with the authentic earrings ; 2 ) XXXX XXXX XXXX stated that the seller was unauthorized to sell XXXX jewelry ; 3 ) XXXX stated it would provide a refund without argument 4 ) XXXX suspended the seller and 5 ) most importantly, my history with Peoples XXXX Bank over 30 years as an attorney with a business account and personal account ( s ), this was my only report of fraud ever. Nevertheless XXXX delayed a permanent credit until XXXX withdrew the refund offer because I missed the deadline trying to full the impossible demands made by XXXX who already knew I could not fulfill the demands. Peoples XXXX Bank, despite our long term relationship, did nothing to advocate except " kick the can '' and pass the request back to XXXX to reopen the case. So XXXX reopened the case. Even so, WHILE THE CASE WAS REOPENED, XXXX charged me {$80.00} in " late fees ''. ( see attached ), a disgusting swine move! XXXX is hostile to customers not helpful and XXXX has knowingly aided and abetted XXXX and the preditory seller in perpetrating fraud and selling fake jewelry. This is evidenced by XXXX 's latest letter denying me a credit on my card when ; they were provided pages of proof that any court of law would accept as evidence. And believe me I shall file suit in court against XXXX. XXXX is as dirty as XXXX and the seller. As an addendum, I'm happy to learn that Peoples XXXX was purchased by XXXX XXXX XXXX XXXX  and that most of the corporate waste of space executives, including the president, XXXX XXXX, who did not advocate for a thirty year customer are being FIRED and replace by XXXX XXXX XXXX XXXX  employees. Just desserts!
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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act and regulation XXXX these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unaddressed. These inaccuracies have had a profound impact on my life, causing significant emotional distress. I want to emphasize that I never authorized or consented to the inclusion of this information, as I am a victim of identity theft.
Product: Credit card

My Home Depot consumer credit card was past due because of a quick prompt in the online account.. some how authorization of paperless statements was selected and thus I never received notification of payment due by mail. This is a joint account I rarely use. I need a statement or phone notification to alert me a payment is due, not an email to that ends up in spam. In XXXX years I have not had a late payment and I am frustrated by the irresponsibility of the creditor to not insure consumers are receiving statements and able to make their payments on time. This creditor advised me when I called that incompetence is a regular occurrence and their system in not perfect and that many consumers do they not realize they are electing for wireless statements. Is it not the creditors responsibility to be sure their consumers want to be billed this way especially since this is an option and not an account requirment???
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  and Money Lion regarding inaccurate information that has been reported to my credit report. I believe that I am a victim of identity theft, as I have no knowledge of any association with the accounts in question, nor do I acknowledge opening these accounts. 

Details of the Inaccurate Information : XXXX. XXXX XXXX  Account : Account Number : XXXX Date of Alleged Opening : XX/XX/XXXX Nature of Inaccuracy : I am not aware of any association with XXXX XXXX, and I have not authorized the opening of any account with them on XX/XX/XXXX. 
XXXX. Money Lion Account : Account Number : XXXX Date of Alleged Opening : XX/XX/XXXX Nature of Inaccuracy : I have no knowledge of opening a Money Lion account on XX/XX/XXXX, and I dispute any association with this account. 

Steps Taken to Resolve the Issue : I have already contacted XXXX Bank and Money Lion to dispute the accuracy of the information on my credit report. However, my attempts to resolve this matter directly with the institutions have been unsuccessful.