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

On XX/XX/2019, a charge of {$2400.00} was made by XXXX XXXX to my Capital One credit card account. This charge was not made by, or authorized by me. It was the direct result of identity theft.

On XX/XX/2019 I had reported to the Capital One Fraud Department once I noticed fraudulent activity on my account. The perpetrator of this activity was using XXXX XXXX to make unauthorized transactions. I do not have an account with XXXX XXXX!

That very day, on XX/XX/XXXX, I had my Capital One credit card cancelled, my account frozen, XXXX XXXX   removed from my account, a new credit card issued, as well as reporting the identity theft to each of the credit monitoring agencies.

On XX/XX/XXXX, XXXX XXXX, was allowed to access my account to make a {$2400.00} charge without my consent. It placed my account over its credit limit. This was AFTER I had already canceled my card and froze my account with Capital One on XX/XX/XXXX. All of this resulted due to the fact that Capital One had not removed XXXX XXXX from my account as it stated.

Once I noticed this transaction I immediately called Capital Ones Fraud Department on XX/XX/XXXX. I was told an error was made on their part and that my account would be credited the full {$2400.00}, and XXXX XXXX would be removed from my account immediately. However, that did not happen immediately at all. Three times I have been told this by Capital One fraud department after repeatedly calling. Only after the third time, did Capital One finally remove XXXX XXXX from my account but again, I was never reimbursed.

According to Capital Ones own Fraud Policy, ... you are never held responsible for unauthorized charges with a {$0.00} fraud liability.

After making no progress repeatedly calling Capital One by phone I started writing my Dispute Letters. Capital One responded by by reimbursing my account {$1000.00} on XX/XX/2019. A week later I received a Notice from Capital One quote, Heres an update on your dispute with XXXX/XXXX # XXXX on XX/XX/2019. However, we need some additional information The additional information was a for a form to be filled out and receipts for the XXXX   purchase. NONE of which was part of my original dispute! ( The XXXX  gift card purchases were part of the identity theft/ fraud scheme but I was not asking to be reimbursed for that purchase, only the fraudulent transaction of {$2400.00} and any interest charges that went with it. ) After filling out the forms and faxing all paperwork to Capital One Fraud Dept. on XX/XX/2019, ( costing me an extra {$24.00} for the faxes ) Capital Ones reaction was to Rebill my account {$1000.00} without any notification prior, again placing my account over its limit, and again causing me undue financial hardship.

Today, XX/XX/2019, I received a letter by Capital One. Again it completely ignored my original dispute writing, We have a limited amount of time to reverse a merchants charge. Unfortunately, that timeframe has expired and ending with, We are reapplying the charge to your account At this time, we consider you case closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
Product: Student loan

A FedLoans IBR repayment calculation error resulted in an overpayment of {$3000.00} which has not been applied as a credit towards future payments as requested. In XXXX XXXX, the caculated Fedloans IBR amount due jumped from $ XXXX/mo to $ XXXX/mo when by the IBR formula ( ( AGI-Poverty level for family size ) *.XXXX ) /XXXX it should 've been a little lower than previous year. Fedloans servicer was contacted XX/XX/XXXX and acknowledged their error in reported AGI. When asked if they needed any more action on our part and whether the overpayment can be applied to future payments, they said they had the necessary information to process the change and it typically takes about 2 weeks for the review board to correct and process overpayment issues. After a second month of the high rate, FedLoans was called again on XX/XX/XXXX to make sure the amount was going to be changed immediately the overpayment would be credited. Informed by FedLoans that the recalculation was under review but there was no timeframe for completion. During the first week of XX/XX/XXXX, several " paperless inbox '' statements were sent outlining that our enrollment in IBR had been denied and our new monthly payment would be {$2400.00}. FedLoans was called XX/XX/XXXX ( urgently ) and the agent was informed of the past few months of history and issues. As a result, XX/XX/XXXX tax information was re-submitted and the IBR plan was re-enrolled on XX/XX/XXXX at a rate of $ XXXX/mo ( the correct rate ) ; however, a fourth payment was made in XX/XX/XXXX for {$890.00}. Overall overpayment over four months was {$3000.00} and has not been credited towards FUTURE payments as asked.
Product: Credit card or prepaid card

Received an unsolicited refund XXXX  from Santander Consumer USA in the amount of {$3.00} for overpayment or credit balance on an account for which I am supposedly the owner/consumer. I do not know what account this refers to, if any at all. I do not want to activate the account because it requires a {$3.00} monthly fee for activation and I do not need or want another credit card service accruing fees for which I receive nothing, or at most the actual {$.00} refund. I want my name and account number removed immediately from this company and assurances that this unsolicited account will not impact my credit score. 

I have tried calling both of the customer services phone numbers on the card and accompanying literature and there is no way to discuss the issue with a live person or resolve the issue. 

I am a senior who wishes to make better use of my remaining lifetime than having to deal with phony gimmicks and scams to steal my money, Thank you for any help.
Product: Debt collection

Closure of Case # XXXX I am writing to express serious concerns about the handling and premature closure of my CFPB complaint regarding Portfolio Recovery Associates XXXX PRA ). There are several critical issues that warrant immediate attention : Procedural Due Process Violation The case was closed without providing me an opportunity to respond to XXXX XXXX statements, which violates basic principles of due process and CFPB 's own complaint procedures. This unilateral closure prevents the full presentation of evidence and denies my right to address XXXX 's claims. 
Disputed Claims in XXXXXXXX XXXX Response XXXX 's response contains several contestable assertions that I was not permitted to address : XXXX  ) While XXXX claims they sent an initial notification letter on XX/XX/2017, I maintain that proper notification was not received. The mere claiming of sending a letter does not constitute proof of proper notification under the FDCPA. 
XXXX  ) XXXX states they have " no record '' of a dispute being received, yet this contradicts the existence of documented communication attempts. Their statement implies a possible deficiency in their record-keeping practices rather than proving no dispute was made. 
XXXX  ) The validation documentation they reference was not provided until after this CFPB complaint was filed, which demonstrates a failure in their initial debt verification obligations. 

Request for Case Reopening Given these procedural irregularities and unaddressed disputes, I formally request : XXXX ) The immediate reopening of this case XXXX  ) A full opportunity to respond to XXXX 's claims XXXX XXXX A thorough review of all documentation from both parties XXXX XXXX Verification of XXXX 's compliance with FDCPA notification requirements Additional Consideration The premature closure of this case without allowing for response effectively denies consumers their right to proper debt validation and dispute resolution under the FDCPA. This creates a concerning precedent that could affect other consumers facing similar situations.
Product: Checking or savings account

For the second time Wells Fargo again refused to respond to my issue THE ANSWER WAS A COPY AND PASTE STANDARD ANSWER HAS NOTHING TO DO WITH THE SUBJECT OF MY COMPLAINT., XXXX XXXX : XXXX & XXXX which brought me here. XX/XX/XXXX, at XXXX XXXX. This was the first time I entered a Wells Fargo branch since XXXX. At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker. 2- DOES THIS MANAGER THINK I AM STUPID TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER? 3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE , THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL? 4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT? This was the answer of the Executive FROM HOME Office Case Specialist who did not address my complaint properly, refused to forward my complaint to a manager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. - { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this. }
Product: Vehicle loan or lease

To whom this XXXX concern, I financed a 2018 XXXX XXXX XXXX XXXX, and it's been a nightmare. First getting it registered took me XXXX weeks because XXXX XXXX in Ohio, were I purchased the truck sent the duplicate title to the wrong address. After having the truck on XXXX XXXX for not even XXXX weeks the transmission started slipping, it wouldn't even shift properly, so I had to bring it to a local XXXX where it's been for over XXXX  months. 

After XXXX months of waiting for the diagnostics on the truck I received confirmation yesterday that the truck needs a new transmission. The technicians at our local XXXX said they don't even know how we even made it to Connecticut from West Virginia without the transmission failing. They also told me that transmissions are on back order and we could be looking at a year until they receive it. I am beside myself as my XXXX XXXX ended last week and I have to sign another XXXX year lease agreement asap if another vehicle isn't put inplace while I wait for my teuck to be fixed. The technicians at XXXX stated they will write a full disclosure on the trucks status and that I indeed purchased a lemon. XXXX XXXX sold me a truck with a bad transmission. I'm prepared to do whatever I have to to get my money back, considering my truck is on a recall for failed transmissions. I'm out over $ XXXX, nevermind the {$4500.00} I've spent on insurance since XXXX, along with the mental anguish and stress this has caused me. My lawyer said even though I didn't buy the truck brand new I can still make a claim for truck recalls, liability, failure to disclose a failed transmission. This is insane. 

We never got to enjoy the truck at all. I could never do this to someone. Regardless of the lemon law I'm prepared to take action. This is unfair. I want a full refund Or I need a rental asap, which I've already been told my warranty doesn't cover a rental? How? 

I bought the extended warranty the day of purchase, which should allow me to get a rental until the truck is fixed, but I'm not getting anywhere with XXXX Truck ( place of purchase ) XXXX Customer Service, Moper Parts, or the warranty company. 

My truck has been in the shop for over XXXX  months with no updates on my parts that were ordered XXXX  months ago, and expedited almost XXXX  months ago. 
My truck dealership information is XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX I can't even get an XXXX on my parts. 
ORDER # XXXX PART # XXXX Not a happy XXXX customer at all, my phone number is below, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$460.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX (  Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My promissory note states all payments are first applied to unpaid fees, then late fees, then interest, then principal. This is late fee pyramiding and a XXXX  issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS VIOLATED 15USC-1681c-2 by failing to remove the Accounts listed within the FRAUD IDENTITY THEFT SUBMITTED TO THEM, AND HAS DELETED SEVERAL ACCOUNTS THAT WERE IN GOOD STANDING, AND HAS INTENTIONALLY KEPT INFORMATION REQUIRED BY LAW FOR DELETION.
Product: Payday loan, title loan, or personal loan

One main financial has been charging me interest and late fees without my consent and they are not able to explain the charges. I set up monthly payments and they still charge me late fees. They will not provide me paperwork on the amounts that they say I owe and the representatives all keep telling me different stories. I have been sick with XXXX, my son was diagnosed with XXXX XXXX XXXX In XXXX of this year and my daughter diagnosed with XXXX XXXX XXXX XXXX XXXX in XXXX of this year so I was not paying attention to what has been occurring. They informed me today that interest and double late fees are being applied to my account and they said they system doesnt it and they cant control it. 

My name is XXXX XXXX XXXX XXXX One main bank branch XXXX La XX/XX/XXXX payment was the most recent catch of the error. Monthly payments are set to draft bu weekly for {$76.00} XX/XX/XXXX a amount of XXXX attempted to draft then {$170.00}. On XX/XX/XXXX. 
I asked why the charges were so high and different and I received 3 different stories ask to speak with management and documentation sent to me or made available for pick up and was told they could not help me and would have some reach out today or maybe tomorrow or whenever they get a chance. 

They said interest was being charge and stated I signed a contract but I dont recall and they tried to call me to tell me but I had a note saying to not call me for payment unless I was 5 days late and the auto draft was not working. I spoke with them prior to this and they were only trying to get me to pay a outstanding balance for {$170.00} but could not explain why I was being charged this. 

Please help.
Product: Student loan

After struggling for months to begin making payments on an income based repayment plan I was approved for in XX/XX/2017 and trying to make payments on, a 2 month forbearance was applied to my account without my consent. When I asked a representative why the forbearance was applied I was told that they could find no reason for the forbearance to be applied. The representative confirmed that the forbearance should not have been applied and was not agreed to by me. I'm concerned that XXXX XXXX is applying forbearances to accounts of borrowers who are struggling to make payments to continue to keep borrowers like me from beginning making payments on IBRs and to continue capitalizing interest.
Product: Payday loan, title loan, or personal loan

I took out a personal loan back in XX/XX/2019 amount given to me directly was {$5000.00} when I applied for this loan I was not aware of their hidden high interest fees plus this company added insurance to the loan. It has been 3 years now paying every month {$210.00} and until todays date still paying for it. I have made a research about this company and all I have heard there is a lawsuit against them and I want to be part of that lawsuit agains them. How can you help me they are really taking advantage of consumers. I have called them to speak with someone about it and all they tell me is to keep paying but I just cant be giving them more free money for their high interest fees. I am not happy with it. Please help
Product: Credit reporting or other personal consumer reports

Two financial institutions requested my credit file from Experian ( XXXX XXXXXXXX XXXX  XXXX ). Experian reported No credit history to these institutions. I have 35 years of good credit history and a 38 page file with Experian if i log in myself. 
My identity was verified and double checked with the banks and they get the same result from Experian. I have called many times only to get AI programmed to keep consumers from talking to customer service at experian. I sent emails and requests online with no answers. Experian is misreporting my credit and has refused any customer service to the consumer to explain and or correct this issue.
Product: Mortgage

In XX/XX/XXXX, we applied for a loan modification through our loan servicer which is Loancare. Our loan number is XXXX. We made our trial payments and the permanent modification documents were sent to us in XX/XX/XXXX. We signed and returned them on XX/XX/XXXX. Loancare received and stamped them on XX/XX/XXXX by XXXX XXXX. 

On XX/XX/XXXX, the Order Granting Motion to Approve Permanent Modification was granted ( See attached ) On XX/XX/XXXX, I called Loss Mitigation ( spoke with XXXX at XXXX ) as our billing was still showing that we weren't modified and we were showing past due. She told me to send all supporting documentation to the loss mitigation email address she gave me and I did so at XXXX XXXX. 

On XX/XX/XXXX, I emailed a follow up and copied my attorney asking for all of the information to be updated, late payment fees to be removed, payments to be allocated correctly with the correct interest rate and payment as per the modification, escrow to be adjusted and the like. No response to that either. 

On XX/XX/XXXX, my attorney sent a certified letter stating that this all needed to be corrected. ( see attached letter ). We received a confirmation letter back stating it would be completed On XX/XX/XXXX, I got a printout from Loancare to see if anything had been done to adjust and nothing had. 

On XX/XX/XXXX, I asked for another loan printout to see if it had been corrected and again, nothing. 

XX/XX/XXXX was the 30 days ( excluding the holidays and weekends ) to get it corrected. 

On XX/XX/XXXX, I called and talked to XXXX who stated that XXXX ( the closer ) still hadn't gotten it corrected and didn't know why it was going on so long. She tried to reach out to XXXX but she didn't answer. I asked her to escalate this to resolution. XXXX stated that she was going to send an email to her own supervisor to get to the closing supervisor. Given that no one has corrected to date, I don't have much faith that this is going to be handled anyway. 

We are selling our home and we close on XX/XX/XXXX. We have paid all of our mortgage payments. It is imperative that the interest rate, payments, escrow, and late fees all be corrected ASAP so as to not cause any further issue.