23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I do not get paid until of each month. Beginning last month, I called Capital One and ask if there was any way that they could assist me in a payment plan, The answer was no there is nothing they can do to help me. Now I have a car financed with Capital One in which I owe about XXXX more payments until it is paid in full. Because of the lack of support that I have received as a result of paying this credit card makes me rethink my decision of ever getting a car financed or a credit card through CAPITAL ONE with the lack of support that I received. I was forced to close my accout
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 an account without my written instructions 15 U.S.C 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

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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. 

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Payday loan, title loan, or personal loan

I took out this solar panel loan with loanpal for {$21000.00} back in 2020 @ a 2.99 % interst rate payment Iof {$100.00} per month. I have paid over {$3000.00} to date and the balance is still {$20000.00} What am I paying for? This is predatory lending and deceptive. I ask them to rewrite to loan and they say no. 

To date nothing is being done. 
I would like a better loan option. Is this the best that can be done for the consumer?
Product: Debt collection

Never received an itemized bill. Also gave my personal information to a 3rd party debt collector with out my approval.
Product: Mortgage

XX/XX/XXXX This complaint is in reference to : Mr. Cooper Mortgage Co. ( formally Nationstar Mortgage LLC ) Attn : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern : I am writing to dispute a late fee of {$83.00} that was included in my final mortgage payment.

On XX/XX/XXXX, Mr. Cooper Mortgage Co. Received my payment of {$1600.00}. This was the total amount due on my final mortgage loan statement. Per the statement ( enclosed see First Mortgage Statement ) late fees were to be imposed if payment was received on or after XX/XX/XXXX.

On XX/XX/XXXX, I received notification from my bank stating that this payment was not cashed and returned to my bank account.

On XX/XX/XXXX, I was in contact with a customer service representative from Mr. Cooper Mortgage Co. in reference to a second mortgage statement I received for {$3400.00} ( enclosed see Second Mortgage Statement ) and according to the Mr. Cooper customer service representative was an error. During that conversation, I was told she would email me the corrected statement.

On XX/XX/XXXX, I received ( via email ) from the Mr. Cooper Mortgage Co. customer service representative, a third mortgage statement ( enclosed see Third Mortgage Statement ) with a {$83.00} late fee ( and a $ XXXX County Recording Fee ) for a total of {$1900.00} and was told this was to be wired ( as indicated on the statement ) to Mr. Cooper within 48 hours or there would be another late fee imposed on my account.

On XX/XX/XXXX, I wire transferred the total amount of {$1900.00} to Mr. Cooper per the instructions to avoid a second late fee.

In working with the Mr. Cooper customer service representative, I was told that a request was made to remove the late fees and once the final payment was made, I would receive a check in the amount of {$83.00}. I never received the check and contacted a second customer service representative. A second request was submitted to reimburse me the {$83.00} and again, I had not received the check.

On XX/XX/XXXX I spoke to a supervisor who informed me that because the loan had been paid off, I would not be reimbursed the {$83.00}.

On XX/XX/XXXX Mr. Cooper Mortgage Co. received from me a correspondence describing the order of events described here. They have responded with a letter ( enclosed see Response from Mr. Cooper ) by stating that the late fee was valid due to the XX/XX/XXXX payment ( although it clearly states the late fee would be imposed if the payment was received on or after XX/XX/XXXX ) and I would not be reimbursed the {$83.00}.

Mr. Cooper Mortgage Company received my final mortgage payment on XX/XX/XXXX fourteen days prior to the late fee date of XX/XX/XXXX and I wire transferred the second payment within 24 hours of receiving it and feel it is only right that I get reimbursed for the {$83.00}.

Can you please assist me in resolving this issue? 

Sincerely
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( Account # XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Equifax deleted XXXX XXXX for {$940.00}. I checked my reports on XX/XX/2021 and seen that the account had been added back to my credit reports. I thought the credit bureau is supposed to send me a letter 5 days prior to adding this account back on my reports. Equifax never sent me anything. This account shouldn't be on my credit reports.
Product: Debt collection

Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX MI XXXX is trying to collect a {$400.00} XXXX phone bill from XXXX 2009. Ref ID XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

I received a call from an 'unavailable ' number ... as did my mother, my father, and XXXX of my sisters on their cell phones ( none of whom I 've lived with for over 20 year ), from a woman claiming to be 'Investigator XXXX XXXX from XXXX '. She claimed that she was notifying me of a certified court summons that she was hired to deliver to my home or place of employment on XXXX/XXXX/16. And that if she does appear at my place of employment, she will need my supervisor present as a witness and that I will need XXXX valid forms of identification. If I will not be available or I wish to resolve this voluntarily, I may contact the 'petitioner ' ; they are requesting to speak with me beforehand. Their number is XXXX, and then gave me a case number XXXX. Failure to contact the filing party will result in her coming out with a uniformed officer, as well as being issued a body attachment. She finished her voicemail by saying 'Thank you and good luck ... you have been legally notified '. First of all, I have had a legitimate court summons sent to me years ago after my divorce for a credit card bill that my ex did n't pay. No one called me first ; no one called my family members ; no one threatened me with police at work. It arrived from the mailman as a certified letter. Period. That is how all real legal court summons work. Do not let these people scare you into giving them money over the phone. I called the number XXXX ' left me & the voice on the 'automated answering system ' was this same XXXX ' person. When I finally got transferred to someone, the guy who answered claimed ignorance. I told him this person said you wanted to talk to me, why would she say that if the case is no longer in your office?? I raised my voice real loud & informed him that this call was being recorded and they had better stop calling me & my family & harassing me ; that I am going to report this wherever & however I can to help avoid others become victim to their scam and extortion. He claimed he was notating my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XX/XX/2023. I Never receive a XXXX, a car or anything from them .and the same with XXXX XXXX XXXX XXXX . 
Definitely XX/XX/2023 I never received anything from Them either.XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, I never received anything from them or gave them people consent to do anything to my for me and it's one collection that already been paid and the still trying to collect my name is XXXX : XXXX, XXXX XXXX  XXXX XXXX XXXX ga XXXX is my address and thing else is false. 15 U.S.C 6801-6802, I NEED THESE 5 HARD INQ REMOVED TODAY NOT TOMORROW TODAY
Product: Credit reporting or other personal consumer reports

I woke up this morning to my credit score on Equifax being dropped by XXXX points when I clicked the notification bell to see what changed and I seen that in between XXXX all of the XXXX account balances increased and in between XXXX they took my deferments away. I called and the nelnet rep is stating that she doesnt know what went wrong. She sees my forbearance letter along with the deferments. Im writing in to get this matter resolved asap. I enrolled in my forbearance and idr in XXXX.
Product: Credit reporting or other personal consumer reports

Per the Fair Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX - Account XXXX The account was charged off. {$750.00} written off. {$410.00} is past due as of XX/XX/XXXX. 

Account name : XXXX XXXX  - Account number : XXXX The account was charged off. {$4100.00} written off. {$4100.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX - Account number : XXXX The account was charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX - Account number : XXXX The account was Closed. {$170.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX  Account number : XXXX The account was Closed. {$200.00} past due as of XX/XX/XXXX. 

HARD INQUIRY Account name : XXXX XXXX - Date reported XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open-end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not reliable for this debt. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, AND REMOVE ALL CLOSED, WRITTEN-OFF, AND CHARGED-OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS. IT'S A DEFAMATION TO MY CHARACTER.

...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with XXXX via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are XXXX XXXX and US bank, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called XXXX to tell them what the two banks said. The XXXX representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to XXXX. My concerns are that this process is inconvenient and causing me stress and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.
Product: Vehicle loan or lease

Dear Bureau : About 1 year and 4 months ago, I decided to refinance my car with OneMain financial. At that time the staff of One Main proceeded to explain the details of the loan, it was quick and a lot of information to assimilate at the same time. Anyways, I applied and I was approved, the details are broken down in the attached document. My previous loan with XXXX XXXX was XXXX that they proceeded to pay and on that amount they also financed an amount of XXXX, for a total of XXXX ( OneMain loan plus the daily interest payment on this principal amount ) Since XX/XX/XXXX I have been paying around XXXX dollars per month every month, many times with a lot of sacrifice as you will see attached the bank 's emails of " insufficient funds ''. This loan with ONEMAIN has cost me my emotional tranquility, this debt is unsustainable, by itself and also because my emotional and financial situation is in detriment. I asked for help, OneMain offered me a loan deferment for 2 months ( document attached ) which actually ended up making things worse because the process was not explained clearly to me ) and it ended up adding late fees. In the last months I have suffered several difficult situations, among them my mother 's illness in the middle of XXXX until her passing in XX/XX/XXXX ( I had to be responsible for medication and funeral costs ), I have also been forced to sign with a XXXX XXXX XXXX to pay my credit cards to the limit since it has spiraled out of control, my health It is deteriorating and I have had more than 10 visits to the doctor in the last two or three months ( XXXX, XXXX, XXXX problems, among other ), on top of all other expenses and daily situations that occur in life. I appeal to One Main through you, to request help in these difficult times emotionally and financially, for a restructuring of this loan, interest reduction, or any help that can decompress my situation in these difficult moments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX TO : XXXX TRANSUNION According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number 1 ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, PA REPORTING LATE ( XXXX ) XXXX XX/XX/XXXXTHIS DEBT IS SOLD DOUBLE JEOPARDY 2 ) XXXX XXXX XXXX   XXXX ORIG XXXX XXXX {$1100.00} ACCOUNT NOT MINE 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX. NO KNOWLEDGE OF THIS * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed Acct # XXXX with XXXX XXXX XXXX XXXX. I received a response around XX/XX/2018 from Experian that they had completed an investigation and found this debt to be mine. My letter Experian clearly stated that I was requesting validation with a signed original contract that this debt was mine according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ). Experian has failed to prove me with proof that this debt is actually mine. I have repeatedly asked for Experian to send me a copy of the original signed contract they have on file in compliance with the FCRA.

Because Experian has failed to validate this debt over 3 times in my requests in XXXX, XXXX, and XXXX I believe that Experian has violated the Fair Credit Reporting act section 611 in their failure to validate this debt and produce the signed original contract within a timely and fair manner. Clearly this behavior is against consumer debt practice law and the Farir Credit Reporting Act which was put in place to protect consumers like me. Due to the failure to validate this debt according to the Fair Credit Reporting Act I would like this to be removed from my credit reports.
Product: Checking or savings account

XX/XX/year> : I opened checking and saving accounts with BMO online and transferred two {$26.00} from XXXX XXXX checking account to BMO checking account and saving account respectively. 

XX/XX/year> : when I was trying to set up direct deposit via XXXX with BMO, I was informed that my account was frozen, I called the BMO customer representative and I was told that BMO fraud department was doing the investigation, I shall get a letter by mail within 90 days.

Until earlier this week, I just realized that I haven't got any letter by mail from BMO, it has been over 90 days ( 6 months already.. ) I called the BMO customer service multiple times over the past days ( FYI : there is no BMO branch in XXXX  ), the answer I got was that the fraud department closed my accounts on XX/XX/XXXX, the funds should have been return to the issuer ( XXXX XXXX ) , I was checking all activities from last XXXX until current from my XXXX  account, there was no funds returned from BMO. So I called BMO again this morning and got connected to BMO 's fraud department, the lady told me to reach out to XXXX  to process it and they could do nothing at this point. I went to XXXX XXXX in XXXX XXXX during my lunch break, the XXXX XXXX helped me to connect the person from back office, I was told that XXXX  can not recall the deposits I made last XXXX as it's been over 60 days per their protocol, and XXXX doesn't have option to talk or reach out to another bank 's fraud department. these two {$26.00} transfers were authorized by then, they were sorry about my frustration.

I'm really thankful if you can help out to reach out to BMO fraud department and move it forward. I'm really XXXX that BMO closed my accounts without informing me as customer, the accounts were closed back in XXXX, I receive nothing from them, no letter, no email, nothing! After I spent hours on multiple calls with different representatives this week, they still can not resolve the problem, I just need my money back. this is the worst banking experience so far in my life.

Please feel free to reach out to me if you need additional information from me.

Thanks!

Best,
Product: Checking or savings account

On XX/XX/XXXX and XXXX, 2022, two fraudulent withdrawals from my Chase checking account were made, each of {$500.00}, totalizing a loss of {$1000.00}. I have called Chase customer service on XX/XX/XXXX to dispute the two charges. Customer services informed me that the withdrawals took place in a non-Chase ATM in XXXX XXXX XXXXXXXX. I live in Illinois and I have never been to the state of New York. On XX/XX/XXXX, Chase informed me that their investigation concluded that both transactions were authorized ( see attached document ). After calling customer services again on XX/XX/XXXX, I was informed that this decision was based on the fact that to withdraw the money the person would need the debit card number, its security code and my four-digit pin, and this was a one in a million chance. Based on that, Chase concluded I was at fault. Again, I have never been to the state of New York, I have not withdrawn this money, and I have not authorized anyone to do it. My debit card has never left my possession and I have never shared my pin with anyone.
Product: Credit reporting or other personal consumer reports

None of my credit reports match. My XXXX  loans were paid in full and yet XXXX shows them as being deleted from Their files. Experian and XXXX also do t show the loans as paid In full {$100000.00} was forgive as I am a state employee and the reflector just shows my accounts as deleted.XXXX and XXXX are showing last updates are over XXXX  years ago. My rent is actually only showing on credit agency. Also experian boost removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to XXXX months of payments these are the same bil for over XXXX  years
Product: Credit reporting or other personal consumer reports

The following accounts were not authorized by me. Furthermore, I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be verified or deleted immediately.

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX