23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

For on time payments made XX/XX/2020 and XX/XX/2020, the amount applied to principal was incorrect. More was applied to interest than principal. I compared the amortization schedule given at closing to the print out of payments made through the course of the loan. I approached XXXX XXXX about the discrepancy and was told she would reach out to her boss. After several calls I was able to reach her and she informed me her boss would not make any adjustments. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. We were totally ignored and brushed off.
Product: Bank account or service

My husband and I have multiple bank accounts with Capital One. Joint checking, business checking, savings, and savings accounts for my children, and a checking account for my mother in law that we also control ( 6 or 7 accounts in total ). We have had these accounts for many years - originally with XXXX, and then Capital One when they bought XXXX. On XX/XX/2017 we received 4 letters in the mail ( one each for XXXX of the accounts ) dated XX/XX/2017, saying the following : " Your account ending in XXXX will be closed on XX/XX/2017. As provided in the rules governing deposit accounts that you received at account opening, Capital One Bank may close any account in our sole discretion at any time and for any reason. We 'll send you a cashier 's check for the balance. Please stop writing checks and cancel any automatic deposits or payments for this account right away. If you have any questions, please call us at XXXX or stop by the branch. Thanks, Capital One Bank '' This is the first notification we have received of this. We have a lot of money in the bank. We have never once overdrawn. I have a huge amount of time invested in setting up bill payment, direct deposit, online access, etc. This is a HUGE inconvenience, and while it may be allowed, I ca n't in my wildest dreams imagine a business reason for doing it. 

We called the number on the letter immediately. That was Thursday evening XX/XX/XXXX. My husband went through 3 layers of people. Nobody could help. He was told that he had to speak to a case manager, and that person would call on Friday ( they never did ). He tried calling and once again got nowhere. He went to the branch ( as mentioned in the letter ). They could do nothing for us. They said they have no access to the system that could explain this. Now it 's the weekend. We will be out of town for much of this coming week at a conference for business, so we have almost no time to deal with this. By the time we return it will be XX/XX/2017 and the accounts will automatically close 2 days later. We ca n't wait any time at all to be opening new accounts and have a way to pay bills. I ca n't fathom a reason for this. The only possible explanation we were able to get from the 3rd person on the phone on Thursday night was that they had discontinued offering the types of accounts that we have. Okay. So, why not send a letter saying that, and give us 30, 60, or 90 days to transfer to a different type of account?
Product: Prepaid card

You have repeatedly failed to refund the money you allowed your employee to steal
Product: Debt collection

Please see attachments. XXXX  Counselors is violating my consumer and privacy rights, the FDCPA and the FCRA. XXXX Counselors has committed fraud by purchasing, obtaining, using and trafficking to third parties my nonpublic personal information to coerce payment from a debt i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent or authorized nor thing I gain anything from these accounts. These accounts are not my accounts.
Product: Money transfer, virtual currency, or money service

Coinbase, the digital currency exchange, has continued to neglect the crediting of BCH ( Bitcoin Cash  ) after months of claiming the following to their customers in their BCH FAQ : What if I sent BCH to my Coinbase BTC wallet after the fork, but before Coinbase added support for Bitcoin Cash?

Any BCH sent to your Coinbase account addresses has been credited to your new BCH wallet.

The above scenario explains my situation. However, I have not been credited the BCH which was sent to my Coinbase address after the fork, but before Coinbase added support for Bitcoin Cash.

I have had a support ticket open with Coinbase since XX/XX/17 for this specific issue. On XX/XX/17, Coinbase Support requested that I provide the Tx ID ( Transaction ID ) for the transaction, which I promptly provided. I have followed up with them three times since providing the transaction details and have not received an update other than " we're still working on this '' or " I still dont have an update for you, sorry! ''
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c02 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loans, installment loans, and credit cards from XXXX XXXX XXXX XXXX with a balance of {$19000.00}, XXXX XXXX XXXX XXXX with a balance of {$7200.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$500.00}, XXXX XXXX XXXX with a balance of {$300.00}, and XXXX  with a balance of {$40.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

on XXXX XX/XX/2023, Barclays called me, on a recorded line, to ask about 3 charges to XXXXXXXX XXXX XXXXXXXX for {$610.00} each. I told them they were not mine and it is fraud. They told me they would remove the charges and cancel the card and issue a new one. My XX/XX/XXXX statement showed these charges as mine. I spoke with them and was told it takes 3 months to remove the charges. XXXX, XXXX, XXXX, XXXX and XXXX statements continued to show the charges along with interest and fees. 
I did receive a letter from Barclays dated XXXX XXXX stating I am not responsible for the charges. I called after receiving the letter asking when the charges were being credited off. ( they recorded the call ) I was told another 2 months. 
I contacted Barclays again on XXXX XXXX, on their recorded line, to ask why the 3 fraud charges and interest and fees have not been removed. They said they would remove al the fraudulent charges and fees. They credited back the 3 fraud charges but not the interest and fees on XXXX XXXX. The interest and fees as of XXXX statement are {$250.00} I called 3 times today to get the interest and fees removed. No idea if they actually did it. I was not allowed to speak to a manager. 
The collections department has called me 4 times and hung up without speaking with me. 
Saturday XXXX XXXX XXXX XXXX  Saturday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX  Not only is the manner that Barclays handled unprofessional, I believe they are creating fraudulent numbers to make Mangers bonus ' better and the numbers look better for the stock holders. Keeping fraudulent transactions, charging fraudulent fees and interest on customers accounts is illegal. ( padding the books or cooking the books ) Over 5 months to take care of simple issues is not acceptable.
Product: Debt collection

Wayfair wants to charge for a product that was returned i physically seen product picked up placed into truck and taken from my possession wayfair is wrongly wanting to charge me as ive never opened an account with them cedar business services have wrongfully put this on my credit report this was a purchase from 2021 can not provide any documents since product was returned
Product: Mortgage

I have two mortgages with SouthState Bank and make a recurring electronic payment monthly for my loan amounts. In XXXX, they sent a duplicate escrow check to my insurance company. My insurance company returned the money in XXXX. Because my escrow account was short my escrow payment was increased. Their fault. 
I sent a message to SS Bank Sent At : XXXX  XXXX XXXX Topic : Escrow Analysis Subject : duplicate check to my insurance company Message : My insurance company mailed you a check for the amount of the duplicate escrow overpayment of approximately {$1900.00}. please let me know you've received it and are processing it., sent another one a week later ended up getting a response on XXXX XXXX i called on XX/XX/XXXX or so, and the rep said she saw the problem, and would get the returned check applied and the escrow recalculated for my XX/XX/XXXX payment. I checked my account and the payment i made is pending due to it being short because of the escrow. i have made many calls and today, they said the escrow has been adjusted but it's slightly higher than what it was by {$71.00}. That's fine. I went to pay the {$71.00}, the IVR and website don't accept partial payments, pay by phone charges over {$11.00} and when i spoke to a rep, her boss and her boss they all said it couldn't be waived. This is ridiculous, they want to charge me for their poor service and mistakes. Their solution to go to somewhere that sends money through XXXX XXXX or mail it in. Mail is the least secure method of making a payment and i'm not spending my time to find a XXXX XXXX place due to their mistake. SS Bank doesn't care because they know I can't find a better interest rate now that rates have gone up and i'm stuck with them. They provide horrible customer service.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Please look on my credit report for the XXXX account number ( XXXX ). The status is coded as I5 which means I am being scored as 120 days past due on an account with a XXXX dollar balance and XXXX  dollars past due. This is an illegal infraction being reported by Equifax and XXXX. However XXXX is reporting this correctly. I have tried to dispute this direction with XXXX, Equifax and XXXX without any changes being made.
Product: Credit reporting or other personal consumer reports

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute. XXXX XXXX XXXX XXXX. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint if for the Home Equity Line of Credit -- on XX/XX/XXXX my home was illegally foreclosed on and the second alleged account with XXXX is now closed -- but I am getting a very bad credit score as well as XXXX trying to collect on this Equity line of Credit. There should be no more collection statements and from what I am told this is called dual tracking. I am in Appeals court with the first predator account and was told my home was sold on the above date. I do not know what XXXX  or XXXX XXXX XXXX XXXX  XXXX is doing, ( nor do they ) only that I am receiving the attached notices showing the Equity Line of Credit account is still Open and my credit has been destroyed please see attached. This was an opposed auction and as I stated above it was an illegal auction in Appeals court now. XXXX needs to get their _____ together and leave me the XXXX alone. I have my home in a Trust as well as being protected against this sort of thievery with my Homestead both are in the Registry of Deeds recorded years ago. I will not be terrorized and slandered with this dirty false information by the most notorious thief on the planet ( XXXX XXXX whom XXXX did all the work for and still is ). I have spoken to XXXX re : this Equity Line of Credit, on XX/XX/XXXX and was threatened with a lien on my home. I got nowhere with the representative only threatened.
Product: Debt collection

I am disputing a collection account reported by AmSher Collection Services on behalf of XXXX in the amount of {$1000.00}. I have never opened a XXXX  account or authorized any services with them. The account was allegedly opened on XX/XX/year>, and has been reported to the credit bureaus as a derogatory collection, negatively affecting my credit. 

I believe this is a clear case of identity theft or erroneous reporting. I have already sent a written dispute and debt validation request to AmSher Collection Services, but the item remains on my credit report. I am requesting the CFPB investigate this matter and ensure AmSher provides proper validation or removes the account entirely from my credit history.
Product: Debt collection

They stated the information was accurate but according to the Fair Credit Reporting Act. Article : 15 U.S.C 1681E ( B ). Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Unfortunately, they didn't follow and check for maximum accuracy. My name is : XXXX XXXX XXXX XXXX XXXX XXXX And according to the Fair credit Reporting Act any inaccuracies is a grown for removal of credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several inquiries that I did not authorize. 
XXXX XXXX XXXX US Small Business Admin XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Student loan

I am visually impaired student and their information to have my loans to be discharged I must be in a XXXX and or about to XXXX from my XXXX. That is what the customer service representative told me. I was so frustrated I hung up on them. My loan servicer is Nelnet. I have been calling them for the past month and they are not helping me. I can work but I am having trouble finding a job. Right now I am in school trying to figure out how to get the loan paid off before my parents find out. When I talked to the people who deal with the discharge they told me to go to the doctor and have them fill out a section about my XXXX and they thought that my XXXX just happened and it did not happen right away it happened since I was born.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Mortgage

Greentree aka Ditech has my mortgage listed at the courthouse as 2 mortgages I have been trying to sell property but cant get the title clear because of the 2nd mortgage that ditech says dont exist
Product: Credit reporting or other personal consumer reports

I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.