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

In XXXX on XXXX XXXX, 2019, I was overcharged {$480.00}. XXXX. I contacted Capital One immediately and explained. They processed it as fraud instead of an overcharge and removed it- only to recharge it on XXXX XXXX when they decided it wasn't fraud. I called again and explained the same story I had at first- that it was an overcharge. They removed it again on XXXX XXXX and waited for a response from the retailer in XXXX. However, on XXXX XXXX, they re-billed the amount after receiving a receipt from the store. They sent me the documents provided, and the receipt 's signature doesn't even resemble my name, let alone my signature. I provided all the documents they requested to fight the charge again- a signed and dated letter including my case number, the merchant 's name, date of transaction, disputed amount, a description of what I have done to fight the charge, and a copy of the receipt I was provided at the time of purchase. They once again removed the charge when they received my documents. However on XXXX XXXX, they put it back on my statement saying they didn't receive the necessary documents. Apparently, my receipt ( which is handwritten because they claimed to be out of credit card tape ) is a non-return agreement instead of a receipt. It is in XXXX, so I was unaware of this ; however, it does have the correct charge on it of {$25.00}. However, Capital One won't use it as proof of overcharge since it isn't an actual receipt ; yet, they are using the forged receipt from the retailer as proof of purchase because " they aren't signature experts ''. Supposedly Capital One is sending it to another department for investigation but won't remove the charge. So my bill is due XXXX XXXX, and I am looking at interest charges or late charges that will damage my credit if I don't submit payment. After doing some research, I have found many other Americans who have had this same thing happen when traveling out of the states. Apparently, it isn't isolated to XXXX, and around {$500.00} seems to be the amount overcharged. I assume it's low enough that customers don't seek legal action that would cost even more. The retailers seem to have found the perfect scam that credit card companies allow based on their legal agreements and requirements for overcharges that favor the retailers over their customers.
Product: Debt collection

kLS financial never sent me written notification that a fraudulent charge ( reported to XXXX by me fall XXXX ) was going into collections. Spoke with KLS XX/XX/XXXX explaining charge was fraudulent and wellsfargo disputed it and account was closed. KLS did notify in writing that the charge for XXXX $ was going into collections XXXX XXXX.
Product: Checking or savings account

XXXX we deposited a insurance check for XXXX Santander has been holding the funds since they cashed the check but would not give to us I spoke with the bank in person phone nobody can give me a forward answer I tried calling corporate there's no such thing they took the money out or acct XXXX said they were returned to maker XXXX still has not received and when I call they can't give me date and they just closed our accounts we are in a pandemic we need this money Santander is not giving it back I can't get answers bill are due I don't know what else to do
Product: Credit card

I made a transaction on paypal for a service using my credit card for {$120.00}. Transaction ID XXXX After payment, the merchant refused and broke the terms of the agreement. I asked for a refund and the merchant refused. I contacted paypal and my creditcard company to file a dispute immediately. Paypal upon hearing that i made a dispute with my credit card company stopped resolution and stated that they would only expediate the case if i canceled my dispute with my credit card company. A blatant form of blackmail from paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

I contacted XXXX in regards to my account, to check the status of the pay to delete letter I sent to them. I spoke with agent XXXX from the recovery pay debt department, at that time she told me that my debt was forgiven because the balance only consisted of fees, she also stated that the account would be deleted from all three credit bureaus but she could not tell me when the information would be updated with the credit bureaus. I disputed the info on my credit reports with the info that was provided by XXXX. I received an updated copy of my credit report and it states the info for XXXX XXXX was updated. I called them to inquire about the information XXXX provided to me and the customer service agent ( XXXX ) informed me I was given the wrong information. I asked to speak with a supervisor ( XXXX ) who confirmed that I was given the wrong information because the XXXX is a new employee.
Product: Credit card

USAA credit card Account # XXXX  balance {$8500.00} I was unable to keep up with the monthly credit card payments in 2018 due to financial hardships before and after the COVID pandemic. My daughter was diagnosed with a medical condition and I was supporting another young daughter also. I was helping other family members living in the XXXX who needed financial help due to major health issues and typhoon storm disasters. 
My income source as a XXXX XXXX  was always unstable and requires long grueling hours.
Product: Credit card

I applied for a Discover Credit Card XX/XX/year> and was denied. I never received an Adverse action why I was denied.
Product: Money transfer, virtual currency, or money service

I was involved in a XXXX scam involving a rental property, with the scammer posing as the owner of the house, XXXX XXXX. XXXX XXXX is a real person and did actually own the house until recently. {$8000.00} was scammed from me. The first payment was XX/XX/2021 for {$2000.00}. The second payment was XX/XX/2021 for {$1500.00} then another on the same day for {$500.00}. Payment XXXX was XX/XX/2021 for {$2000.00} and the final payment XX/XX/2021 for {$2000.00}. I filed a claim with Bank of America, XX/XX/2021 and with the FBI, XX/XX/2021. Bank of America rejected the claim for the scam on XXXX XXXX XXXX XXXX citing " Our records indicated that we completed the transfers according you provided us, and therefore no error occurred. '' I believe I am protected under Regulation E, part of the Electronic Fund Transfer Act, that requires banks to refund consumers for fraudulent transactions on their accounts. The Consumer Financial Protection Bureau saying the law applies " if a 3rd party fraudulently induced a consumer into sharing account access information ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I filed an Identity Theft report with the FTC and as a result placed security freezes and fraud alerts on my credit reports with the 3 major reporting agencies. Of the 3 only XXXX allows me to access my reports and freeze online. TransUnion and XXXX both deny me online access and Ive tried to resolve the problem over the phone and by mail but every time I request any reports or lifts or any information I have been denied. Ive submitted Identifying documentation but still havent received any help. Recently I even received two letters denying me credit and/or loans that I havent applied for. I request access to any application attempts for credit as well as access to my reports.
Product: Mortgage

I fought with wells fargo to allow me to do a loan modification which I qualified for for 11 years after becomimg a widow. Due to their shady prcticas and scams, I lost the home my husband and i worked so hard for. I now live on a couch at my daughters home. I lost so much because of them and I believe I am entitled to compensacin.
Product: Credit card or prepaid card

I have 2 credit card accounts I would like to close with Bank of America. When callin in they place me on hold indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I have been paying on my student loan since XXXX after I got out of prison in XXXX. I made payments directly to the Department of Education under account # XXXX in the amount of XXXX monthly. Then the account was moved to Aid vantage under account # XXXX. I made payments to Aid vantage until the XXXX loans were consolidated and the original loans were paid in full XX/XX/XXXX in the amount of {$4000.00}. The payment indicates {$.00} unpaid principle due after the payment. However, MOHELA, the current service provider has indicated that I owe a current principal balance of {$6200.00} plus accrued interest of {$60.00} then payable interest of {$3100.00} which brings the total amount due to {$9400.00} for the XXXX loans that have been paid off. MOHELA is attempting to collect interest on top of the interest that accumulated during my 13 years of incarceration. MOHELA is attempting to collect interest by listing it as the original principle and or the current principle. The payments I made from XXXX until XX/XX/XXXX have not been accounted for as well. I have already filed XXXX separate fraud reports to the Department of Education, but I have not received any response. I did submit a certified letter to the Department of Education withXXXX pages attached to provide proof of the factual basis as submitted in this report. It is unlawful to attempt to collect accrued interest as principle and then charge additional interest on top of it. Note certified letters have been mailed to MOHELA the last being XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX, made an international wire transfer of USD XXXX from HSBC USA on XXXX of XXXX. It has been mentioned in the receipt that money will be paid to beneficiary until XXXX XXXX. 
Wire Transfer Details : Confirmation Code : XXXX Transfer Type : International Wire Sender : XXXX XXXX Transfer Date : XX/XX/2022 After making the wire transfer I called to HSBC USA on XXXX XXXX onwards almost every alternate day. But until XXXX of XXXX the money has not got transferred to the beneficiary. 
I kept on calling HSBC XXXX even after XXXX of XXXX and the only status they told me is money on hold. On XXXX XXXX when I was again calling HSBC USA the representative said they need some information, so I provided information. 
I kept on waiting for the transfer to happen but to no avail so I requested to cancel the Wire transfer on XXXX XXXX. I kept on calling continuously for the update on cancellation but none of their representative give any reply other than Money is with HSBC XXXX. 
When i ask for the status they don't even have proper call logs or notes to even check the last status. 
I am feeling highly stressed, this is a big amount for me. HSBC USA is not even returning my money and playing blame game that we don't have any information as the money is in HSBC XXXX. 
I gave my money to HSBC USA and they should return my money on cancellation as this has been so many days they are holding up my money for no reason and earning interest on my hard earned money and not taking any prompt action for refund. I am following up and they are not doing any needful action. I have invested tons of hours into this but HSBC USA have created a joke of my case. 
Its creating so much XXXX, XXXX and XXXXXXXX XXXX on me and my family. 
I am looking forward for your help to resolve this matter and help me get my Wire transfer money back to me as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the unresolved issue of late open accounts and erroneous late closed and charged off entries on my account. Despite my persistent attempts to address these matters, I find it incredulous that I am now compelled to address them for this time.

I demand immediate and decisive action to correct these egregious errors. I insist that the late open accounts be rectified promptly, and any erroneous late closed and charged off entries be removed from my account without delay. Additionally, I expect any associated adverse effects on my credit score to be remedied, and any fees or penalties resulting from these errors to be waived. Furthermore, I request a formal apology for the inconvenience, frustration, and financial harm caused by these repeated oversights. With this, I am asking for your assistance to remove the charge off and late closed and correct these late open accounts or fraud items in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX XXXX Balance Owed : {$79.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A 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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial Acct # XXXX XXXX XXXX XXXX 1. Havent updated credit report since XX/XX/XXXX 2. Balance shown {$1500.00} 3. Paid {$550.00} XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX = XXXX 4. GM Financial shows las payment of {$420.00} 5. Contacted GM Financial 6 times and they reported to me that they have to check each account prior to updating records. 
6. No date given as to when this will happen.

7. Car is a lemon and has been undrivable for 4 years. Dealer refused to honor warranty and replace battery. Two recalls for electrical system problems and now is in XXXX dealership and will cost ~ {$2000.00} to fix. 
8. Bought car with XXXX miles on it and currently has XXXX miles. This car has cost me over $ XXXX mile to own. Worst car I ever bought! 
XXXX XXXX XXXX XXXX XXXX % XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I called into Capital One to make a payment arrangement. I spoke to a woman who told me when I asked specifically will this keep the account open, since it was at risk of being closed. She said that as long as I made the payment on XX/XX/XXXX, which was my husbands next pay date that I was safe, it would not bring the account current, but it would keep it from being closed. Knowing that my second payment in the arrangement was coming due, I checked the app this morning, only to find out they closed the account. They said that I should have been told that the very last day that the payment could be made would be XX/XX/XXXX. I asked specific questions and fulfilled my obligations. They lied and now my credit will be affected ( not to mention the affect from being included in the breach they had so now my information is out there anyway ). The call was recorded and I want it reviewed and I want the company to have some type of consequence, this isn't just having to pay an extra {$20.00} because of an accounting mistake this affects my credit, and my husbands credit.
Product: Credit reporting or other personal consumer reports

This inaccurate account has been reporting on my account and it is causing me a lot of stress. I need it removed off of my report because I find inaccuracy and it's affecting my credit scores.
Product: Credit reporting or other personal consumer reports

According to my understanding of FCRA 605B, we need to remove any incorrect accounts from my credit report. Could you please look over the documents? An account is inaccurately reported, including wrong amounts and dates.
Product: Mortgage

The problems with this company are continuing. History and previous complaints made : 1. Originally did not credit over {$35000.00} principle pay down and took out 3 regular payments after pay down. This was finally corrected.

2. Next complaint was for not crediting us for the three overpayments. This was finally corrected ; however, they have now credited my MORTGAGE account {$1100.00} and taken out my XXXX payment. 
So in other words, they are still using my money to make for their company money. If this happened to at least 1000 other people ... that is a lot of money, over {>= $1,000,000} they are making off their current customers for not returning funds appropriately. Do they really think their customers are that dumb?
Product: Mortgage

On XXXX XXXX 2016 Bank of America accepted a letter from me asking for verification of this with documentation with my signature. In response I got a letter asking for documentation from me instead of my request. That is the only response I received from Bank of America. Bank of America did not send me the required verification, nor did they mark my credit as disputed at any of the XXXX reporting agencies in the 30 days as required by the Fair Credit Reporting Act. I have since sent another letter again asking for verification with no response at all. Bank of America has violated my consumer rights and FCRA 623 ( a ) ( 3 )
Product: Student loan

XX/XX/year> My loan has been on forbearance about six times due to the XXXX  government and these loan issues and Ive been trying to get a lower payment and it was supposed to be put on a negative amortization payment plan and my forbearance was submitted two months ago and now its already ended so I had to call back to see what the problem is I have now been on the phone for three hours and 45 minutes. I was on hold for an hour and 20 minutes before I ever talk to someone and then I was transferred to another person to get the forbearance extended and I still havent talk to anybody else, this is XXXX XXXX XXXX ridiculous. What are they have like two people working for XXXX XXXX customers if payment plan wasnt processed because they werent processing payment plans, it shouldve automatically been extended. I should not have to be calling back for the XXXX  time in a year. I am fed up