23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance acct # XXXX vin # XXXX, acct # XXXX vin # XXXX, Capital One Auto Finance violated my consumer rights by : failing to furnish all required proper disclosures ; failing to include the sum of ALL charges to the finance charge ; failing to allow me the right to rescind with a " No Cooling Off '' period ; failing to correct billing errors ; sharing my personal and private information to third parties without my expressed written consent ; falsely representing the amount of the alleged debt ; falsely representing details of the alleged debt to third parties ; not disclosing all required information and disclosures ; not clearly and conspicuously disclosing my consumer rights regarding the financing, finance charge and/or any details involving the financing charge ; willingly and intentionally withholding information from me, the consumer, in an attempt to defraud and/or misinform me ; repossessing the vehicle vin XXXX and knowing that the alleged debt amount and account accuracy was incorrect.
Product: Credit card

l received material in the mail for a Bank of America credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of COVID layoffs and I requested the 90 day grace extension. i was told this was granted. However they only applied it to ONE of my USAA cards, the other is now reporting past due.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX validation procedure which make this unfair practice. According to the FDCPA I'm entitled to {$1000.00} USD per violation and they clearly violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible!

Based on, 15 U.S. Code 1681c-2 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

I spoke to the president of Barclays, she said they found two accounts, and they were going to delete them and report it to the credit bureau which they have not done yet because it is still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included every payment made that the reporting company is saying I never made not a single payment from the texas attorney general child support I have shown XXXX in payments since 2018 and the credit bureaus will not take it off. the debt on y credit shows I owe XXXX so im actually overpaid
Product: Mortgage

Good morning, we entered into a conventional loan with Citibank and provided less than 20 % down payment, requiring PMI monthly payments. Since XX/XX/XXXX we are providing double principal payments, to reach the 20 % equity value quicker.

Additionally, home values in the XXXX Florida area have risen, i.e. two neighboring homes, each comparable to our home, sold for {$350000.00} and {$330000.00} respectively, when we bought our home at {$280000.00} also completely remodeled ( same circumstance as the sold properties ). Lastly, we have invested in the property, made upgrades ( in form of remodel ) and also added to the property, therefore the original appraisal to the home is no longer valid.

Upon calling Citibank, twice this week ( Monday, XX/XX/XXXX and today, XX/XX/XXXX ), asking for a PMI cancellation and opening process for re-appraisal, requirements are good standing with the loan payment history, loan in place for minimum 2 years and now we are told that we have to be a 78 % home value on the loan.

This makes no sense, as at that point, it is an automatic cancellation of PMI and I wouldn't be requesting an appraisal, which at the end of the day is paid out of my pocket.

It is my feeling that Citibank is providing delay tactics and not allowing us to go through the process of an appraisal and qualify for cancellation of this additional PMI payment. If I am requesting for this process to be done, it is because we feel we our property has a higher value than what we bought for. It is my understanding that we have the right to request for an appraisal, especially given the comparable home values of recently sold properties.

Thank you!
Product: Credit reporting or other personal consumer reports

Company run my credit on XX/XX/year> without my knowledge or consent gave me 9 hard inquiries
Product: Credit card or prepaid card

Because I have an excellent credit record, I periodically check my accounts to make sure that there is no fraudulent activity in my accounts. 

On XX/XX/XXXX, I went into XXXX account to check for activity on my XXXX XXXX store card, which is also an American Express card. While I use the store card side of it regularly, I very seldom use the American Express side. 

When you go the account information feature, there is no balance information on the page. One needs to click to access that information. I have always found that unusual, as all my other accounts have the balance on the main page. 

When I clicked, I saw that there was a balance of {$250.00} on the American Express side. Again, because I seldom use it, I had no recollection of making a purchase, so I called XXXX XXXX thinking it was a fraudulent transaction. This was after I had attempted to see the original charge, which I could not access. I was able to access recent late fees charges in the amounts of {$38.00} each ( there were four ). 

When I reached Customer Service on XX/XX/XXXX, I explained the situation and was told that I had had a transaction in XX/XX/XXXX at XXXX. I immediately remembered that I had purchased some concert tickets in a pre-sale, so that indeed was my transaction. She said that my account was past due and gave me an amount, which I quickly paid that same day ( {$150.00} : I paid the remaining {$98.00} on XX/XX/XXXX ). The customer service rep also said that, as a courtesy, she would remove two late charge fees. 

I proceeded to ask her why I had not gotten any notifications from them about these past due charges. She said that statements had been mailed to me. I swear to you that I did not receive any statements. ( In XXXX XXXX defense, however, I have someone in my neighborhood who has the same house number, but lives on a different street, and I very often get his mail delivered to my house, so this may have occurred. ) I also never got a phone call, e-mail, or any other type of correspondence about my account being past due. Yet, I almost get daily e-mails from XXXXXXXX XXXX with special offers. 

While I know that the store can not babysit me, and I am responsible for making my payments on time, this was an oversight that I could have instantly remedied by getting a reminder. I wonder if this is a tactic used to charge people late fees. Also, I have always questioned why the balance on one 's account does not immediately pop up on the XXXXXXXX XXXX website as it does in others. 

Needless to say, I checked my FICO score and it had dropped 93 points ( from an XXXX ). 

In 26 years I have not had a late payment. I would not risk ruining my credit score for such a small amount. 

Coincidentally, within two days, I received a statement saying my account was late, as well as a notification that they had been trying to reach me by phone. They were mailed to me before my call to XXXX XXXX, but about 120 days after my original transaction. 

I want to know why, and I want my original credit score reinstated. 

Thank you for listening, and for your attention to this matter.
Product: Checking or savings account

Simple Bank partnered with BBVA Compass USA had a transition on XX/XX/2021. Like thousands of other customers, I have been unable to gain access to my account, and customer service with BBVA USA has been unimaginably poor. Their phone system hangs up on customers, and the website continues to lock myself and others out after several password resets as the site says " for security reasons your account has been locked '' with no further explanation. As soon as I gain access to my account, I will be closing it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit BureausXXXXXXXX XXXX XXXX to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX : {$190.00}
Product: Credit card or prepaid card

I ordered two items from Wayfair using their store credit card. The items came and they were defective. Wayfair refused to work with me to return them. One was a chair and the other was a cat tower, so it would have been outrageously expensive to return them. Also, I didn't realize they were defective until I spent hours doing my own assembly. I certainly didn't want to take them apart and try to box them up again. 

Next, they never sent me my credit card, so I was unable to set up an online account for months because I didn't know my account number. I called them three times and they wouldn't help me because I didn't have an account number! They also never sent me any paper statements.

They also do not allow for automatic payments by using their online system. They also don't send notifications. Basically, they make it impossible to pay the bill. I own a small business and I have MANY credit cards. They are all on automatic payment because I'm not going to keep track of thirty cards. I'm NEVER late with payments and I can prove this. 

However, this company uses deceptive and illegal business practices to keep customers from paying on time so they can keep charging {$35.00} fees each month. It's over a year later and I owe them MORE now than I did before for items that I can't even use! 

After months of trying to work this out, I just sent them a letter stating that I no longer wanted to do business with them, so would they please remove the {$140.00} in fees. As soon as they did so, I would pay them IN FULL! The refused. I do not owe this {$140.00}. These fees were accrued because of mistakes made by Wayfair, not by me. I wanted to pay them, despite their inferior merchandise, and pay them on time just like I do every other card that I have. 

I just want the fees removed so I can issue them an online payment for the remainder I owe and I can be done with them and their horrible company. I now have to incur even more expenses getting rid of this huge XXXX inside my home. My waste management company won't even haul it away without me paying them huge disposal fees. 

Warm Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had received only one phone call that I had a debt to be paid on my credit card. I 100 % understand a balance is owed.. but to affect my credit as much in the time of alll thats going on in the world is absolutely insane. I was told I would have time to make a payment before it was placed as derogatory or in collections and that clearly never happens.
Product: Checking or savings account

About 11 years ago I opened a checking account with Wells Fargo. The product was to be free of monthly charges if I opened and sent XXXX $ a month to a savings account. 


I did this and have sent XXXX $ per month to the savings account without a miss. 


Several times over the past years Wells has tried to add XXXX $ a month fees to my account. I have after spending a great deal of time and energy managed to get these fees recredited. 

In XXXX and XX/XX/2018 they tried it again and deducted a XXXX $ " XXXX by Wells Fargo '' monthly service fee. I have never of " XXXX by Wells Fargo '' nor have I ever asked for it. 

I called Wells Fargo to try to deal with this latest attempt to pick my pocket. I was on the phone for at least 30 minutes, transferred to three different people. No one could deal with the problem. I was eventually transferred to someone named XXXX and after explaining my issue was disconnected by Wells Fargo without any resolution. 


They had my phone number, at least I had given it to at least 3 different people and never attempted to call me back.
Product: Money transfer, virtual currency, or money service

I have been using the cash app website for a while. I use it to do many transactions. One day I had a transaction where I went to a gas station charge {$20.00}. It did not go through. I didnt charge it again and it went through. The next day my cash app account was suspended and I dont know why. When I called them up and asked, they told me that, I violated their terms of service. I have no idea what they were talking about. They told me that they would provide me with the information. I told them to please let me know quickly Id never did anything and what terms I violated. I told them that Ive had some fraud in my account in the last few months actually in the last XXXX or XXXX months and I wanted to know whats going on. They told me XXXX days ago that they would get back to me and they never did my case XXXX. Cash app is affecting the way I do my business and I get my monies. I am a senior citizen, XXXX XXXX XXXX and I should not be treated this way, especially by a public company. They are frustrating me and delaying me and keep telling me the same thing that the case is open and they will get back to me. Why doesnt Cash App have anybody to answer to then just treat customers like Garbage
Product: Credit card or prepaid card

A THIEF HAS OPENED A FRAUDULENT ACCOUNT FORM BANK OF AMERICA, NAD I NEED THIS CARD TO BE REMOVED FROM MY CREDIT REPORT. REVIEWING MY CREDIT REPORT, THIS IS A SECURED CREDIT CARD, THIS ACCOUNT WS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE, THE CHARGES ON THIS CREDIT CARD ARE FRAUDULENT AND SO IS THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THIS IS A FRAUDULENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 hard inquries on my XXXX  Report from the company Us Bank Deal on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and ( XXXX : XXXX ) | was never late on the accounts XXXX & XXXX. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from XXXX

Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. Enclosed is an email that proves I requested this information, supporting my dispute.
Product: Money transfer, virtual currency, or money service

A website ( XXXX ) claimed to be selling bichon frise puppies for {$650.00}. I contacted them and had conversation with them about buying the dog. They said they required the {$650.00} and {$100.00} for some other fees. Then they said once the full amount of {$750.00} was sent that they would send a bill of sale to me and for me to sign it so they could ship the puppy to my immediately. {$500.00} was sent on XX/XX/2021 through XXXX XXXX Zelle and {$250.00} was sent on XX/XX/2021 through XXXX. I then received a fake bill of sale and I was told they took the puppy to the airport at which they claimed there was problems. They told me I had to pay the airport {$1200.00} to send the puppy but that {$1200.00} of that would be given back to me once I received the puppy. I also received a fake document saying this same information. When I tried emailing back asking to pick the puppy up myself instead of sending her on a plane but that is when they stopped emailing me. I called a phone number they gave me but it would just go straight to voicemail and they text me saying they could not talk. When I asked if my money was going to be sent back their response was yes obviously and I never heard anything back from them again.I contacted XXXX and they said they couldnt do anything since it wasnt through a business account. I called XXXX and they said they would do a claim on it but that I may not get my money back which I didnt because they claimed they could not do anything even though I have emails and claimed this with the Federal Trade Commission.
Product: Mortgage

I wrote this agency XX/XX/XXXX with complaints against Ocwen Loan Servicing. They responded at that time with assistance. Since that time their costumer service toward me and my family has decreased significantly. Today XX/XX/XXXX I checked my credit report and found my credit score has decreased XXXX points in the ast month due to reporting of Ocwen. At this time I am requesting they cease faulty reporting of payments. I contacted them XX/XX/XXXX to request a change in the payment date of the loan but they refused. Ocwen has continued to provide poor servicing of this loan since they received in in the bankruptcy of GMAC. It is unfair to have your credit screwed up by these incompetent individuals.
Product: Credit card or prepaid card

I filed the following claim on XX/XX/2020 due to fraudulent charges on my debit card/account : Claim ID : XXXX Claim amount : {$4000.00} I received a notification in the mail that stated : " XXXX XXXX XXXX : We've completed our research and closed this claim. 
What you need to know Our records show the transaction activity in question was authorized and posted correctly to your account. '' I wrote back to Bank of America and requested documentation for the research they relied upon to come to their conclusion for their investigation, and received the following response on XX/XX/2020 and received a follow-up message that stated the following : " XXXX XXXX XXXX : We're writing to you regarding your claim. 
What you need to know Thank you for your recent inquiry requesting that we re-evaluate the above-referenced ATM/Check Card fraud claim. 

We have done a thorough second review of your case, and have concluded that our original determination was correct : no posting error has occurred on your account. 

Therefore, we are unable to credit your account, thus resolving your claim. '' Bank of America never provided restitution for the fraud on my account or provided rationale as to why they were unwilling to provide restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in XXXX  days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED : XXXX XXXX ACCOUNT # XXXX WAS NEVER LATE ON THIS ACCOUNT AND NOW EARLY WARNING. DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX  Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX UNVERIFIED PLEASE REMOVE DEPT OF CHILD SUPPORT WAS NEVER LATE AND THIS IS UNVERIFIED
Product: Debt collection

Midwest Recovery Systems reported a collection account on my credit that I do not owe. I was never contacted nor informed that they had this debt neither was I informed that they were putting anything on my credit. I requested validation of the debt via certified mail. However they have not sent me anything and it's been over 4 months. I have insurance and I don't owe this debt
Product: Credit reporting

Transunion fails to remove the XXXX account. Transunion reports incorrectly this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.