23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I lost my Capital One Bank MasterCard debit card sometime on or around XX/XX/XXXX. The last transaction I made on the account was at XXXX on XX/XX/XXXX for {$5.00}, and I think the debit card was left at XXXX. However, I didn't know the debit card was missing until XX/XX/XXXX, when I opened an email dated XX/XX/XXXX from Capital One stating, " Your most recent transaction took your 360 checking account ending in XXXX balance below {$0.00}. '' I immediately logged into my Capital One online banking account and discovered 30 unauthorized transactions totaling {$3700.00}. I called customer service to report the debit card lost and to file a claim for the unauthorized transactions. I was asked if the debit card was in my possession at the time the transactions were made, and if I knew who made the transactions. I answered, " no '', to both questions. I was then told the account would receive a provisional credit within 3 to 5 business days, and the investigation may take up to 90 days. Following this conversation, I received an emailed letter dated XX/XX/XXXX informing me that Capital One was working on the claim. The letter provided the claim number, and stated I would be contacted when the review was finished. When I hadn't received the provisional credit by XX/XX/XXXX, I called customer service to ascertain the reason why the account hadn't been provisionally credited. I was then transferred to the Fraud Dept., and had it explained to me that the claim had been closed, and that an investigation wouldn't be conducted because I responded to a text message alert confirming I attempted a transaction with a merchant. I informed the fraud specialist that I hadn't seen the text alert, and accordingly, I didn't answer on my mobile device that the transaction was attempted by me. I informed the fraud specialist that I share my mobile phone with my mom, and so it's possible that she confirmed the transaction without knowing that she was confirming a fraudulent transaction attempt. I asked my mom if she had read a text alert from Capital One, and she said she couldn't remember. I was transferred to a supervisor to ask if the investigation could be re-opened, and was informed the prior decision would stand, but that a letter could be provided explaining the reason for the claim denial. A letter dated XX/XX/XXXX was received, which I have enclosed. I'm not sure what account records and transaction information was available to not support a claim of unauthorized activity. Furthermore, I don't understand why a thorough investigation wasn't conducted, i.e., requesting merchant receipts, as I was told the investigation may take up to 90 days. In my case, the investigation was opened and then closed immediately.
Product: Mortgage

My home is being foreclosed and the bank has denied my short sale. We are asking that the foreclosed date be postponed so that we can get the home sold. Carrington Mortgage Services would rather foreclose my home and have a permanent mark on my credit than to have my home sold and a positive spin be added to my credit history. Also, I just received counseling from a HUD Counselor Member and was just told about the XXXX program. I was never given to the option to utilize the Partial Claim. My husband lost his job and has had no income in the last 3 months. For the past year and a half his employment has been below his normal income capability due to conditions XXXX. I have attached a copy of the Residental Contract for the Short Sale which was denied and also the Carrington Mortgage Statement. I would also like to add that my husband is a XXXX XXXX Veteran.
Product: Student loan

I have no idea what is happening to my student loans from XX/XX/2009. I originally had 2 loans when graduating totaling roughly 17k. Ive sent money sparingly over the years, have bad wage garnishments, and now these 2 companies Navient & XXXX own the debt. I am outraged, last month I got a letter saying one of the loans principal was at XXXX and a month later they tacked on a XXXX fee! This was from XXXX. So now Im at roughly 45-50k off of XXXX. This Navient company only ever sends me these forbearance texts and emails where a simple yes puts Them into forbearance. I need help. I have no idea what to do about my loans. Its emotionally and financially devestating knowing what This has become. Im wondering what type of options I have. Im currently unemployed and am willing to find a public service job if it means I can get some of this crippling debt erased. I have countless letters and documents from these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/2018 I received a call from Chase /Amazon credit card stating my credit card bill was 30 day late. Prior to the call I had called Amazon because I was worried I had not received a bill. I was directed to call Chase. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from amazon in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into Chase websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from Chase bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at chase the web sight is auto checked when creating chase acct. It auto enters a check mark, if not un-checked you will not receive a bill. The chase bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into chase websight and made sure check mark for paperless billing was un-checked. 3 mo. later I find out it was reported to XXXX as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. Chase verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccuracies on my report it has been months and I have not been notified by neither of the bureaus investigation results into this matter this is extremely frustrating and not fair to me please investigate and remove these inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for Optional GAP contract by dealer. This was not my error and Gap coverage was selected and should have covered the difference and therefore no remaining balance was dueXXXX XXXX and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Product: Checking or savings account

I am writing to report a concerning issue regarding a series of unauthorized transactions on my Chase bank account. On the dates of XX/XX/XXXX and XXXX, a total of ten unauthorized transactions were posted to my account. I promptly reported this issue to Chase bank within the same week. 

Chase bank acknowledged my report and conducted a thorough investigation into the unauthorized transactions. Subsequently, they accepted my claim and credited the disputed funds back to my account. However, to my dismay, on XX/XX/XXXX, I observed that Chase had reversed their decision and deducted the refunded amount from my account. In my conversation with Chase customer service, they replied to me back that the transactions were used by using my phone and face ID, asserting their inability to resolve the matter and refund the money. 

It is crucial to highlight that during the period when these unauthorized transactions occurred, I was on a business trip in Texas and did not utilize my Chase debit card. I kindly request you to verify this information by examining the flight ticket receipts and XXXX trip records that clearly indicate my presence at the airport on XX/XX/XXXX and my subsequent journey to XXXX, Texas. 

Additionally, I have attached supporting documents which demonstrate the fraudulent nature of these transactions. The transaction descriptions specify that the payment methods used were 'in person ' and XXXX, ' despite the fact that I was engaged in a training session at the time and have never possessed a XXXX account or used it for any transactions. 

I am deeply concerned about the resolution of this matter, as these unauthorized transactions are not only financially burdensome but also a breach of my account security. I kindly request your assistance in rectifying this situation promptly. 

Please feel free to contact me based on my information that I have provided to discuss this matter further.
Product: Credit card

In XXXX of 2013 we used our Lowes card as a family of military veterans to purchase appliances for our home. We had planned to pay off the card before the introductory interest and service fee period ran out. Unfortunately, I had XXXX, so we were unable to pay off the debt ; due to my sudden permanent XXXX. We contacted Lowes and let them know, and the qualified us for an assistance program, that was supposed to withhold interest and fees, that they never actually put us on. We owe {$1700.00} on our Lowes card. After the egregious " service '' charges, interest fees, etc came through on our account, that sum is now {$5200.00}! That is {$3400.00} in charges! For what?! We have been making the payments that we can. We have already paid {$1000.00} in their horrendous fees. I am now protected by the XXXX, and I am told by the XXXX that because of my status as a XXXX person, we can get some or all of the debt discharged. Today, XXXX/XXXX/2015, I was told by XXXX that that is n't true. That they do n't have any allowances for XXXX people, and we should have paid the card off, because this extra {$3400.00} is our " punishment. '' Imagine that. Nearly {$3500.00} " punishment '' charge added on for becoming XXXX. This seems so very wrong wrong wrong.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following inquires and accounts. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been engaged in dispute with XXXX XXXX XXXX XXXX, Santander, and XXXX XXXX XXXX since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
Product: Debt collection

I am interested in deleting all inaccuracies on my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I had my century link internet disconnected inXX/XX/2022, I was told over phone with representative that if I paid {$120.00} that day they would turn services back on. I paid {$120.00} and no internet was restored. Previously I had reached out to century link twice regarding my acceptance, application ID number, and account info as directed by XXXX ( affordable connectivity program ) for several months because I was apart of the program to receive {$30.00} discount towards internet services & century link never acknowledged or submitted this credit to my account. My service had been terminated and after I was still receiving a monthly bill for services I wasnt even receiving. My internet was never turned back on after being told it would be if I paid {$120.00}. Also, many months racked up of charges that I was supposed to have a {$30.00} credit that was never added. I called XXXX XXXX to explain my side & why I dont think the final bill of {$350.00} was accurate or fair & the woman I spoke with agreed that charges accumulated AFTER I wasnt receiving services from century link & that the dates of my approval for XXXX $ 30 monthly credit, that the remaining balance due was incorrect and that she will remove the charges from the account and I did not owe the balance because it was incorrect. To my knowledge this debt was settled, and I was told I was not responsible for the balance. Now this debt has gone to collections & has hurt my credit. Last I spoke to century link many months ago, I was reassured incorrectly & I also explained to radius global who purchased this debt that it shouldnt even be a debt because I was told it by century it was incorrect & sided with me
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; EXPERIAN XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XXXXXX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the numerous unsuccessful attempts to remove unknown inquiries from my credit report. Despite my persistent efforts to dispute these inquiries, they continue to appear on my credit report, which is deeply concerning. 

I have encountered multiple unknown inquiries on my credit report that I have no knowledge of and did not authorize. These inquiries not only impact my credit score but also raise serious concerns about potential identity theft or unauthorized access to my personal information. 

I have diligently followed your agency 's procedures for disputing inaccurate information and have submitted multiple requests to have these unknown inquiries removed from my credit report. However, I have yet to receive a satisfactory resolution to this issue, and the inquiries persist, causing unnecessary stress and anxiety. 

As a responsible consumer, I take great care to monitor my credit report and ensure its accuracy. The presence of unknown inquiries not only undermines my efforts to maintain a healthy credit profile but also erodes my confidence in your agency 's ability to protect consumers ' privacy and financial well-being. 

I urge you to prioritize the immediate removal of these unknown inquiries from my credit report and to conduct a thorough investigation into the source of these inquiries. Additionally, I request that you provide me with regular updates on the status of my dispute and the actions being taken to address this issue. 

Failure to resolve this matter promptly will not only impact my financial standing but also reflect poorly on your agency 's reputation for accuracy and reliability. I trust that you will take swift and decisive action to rectify this situation and restore the integrity of my credit report. With this, I am asking for your assisstance to remove othese unknown inquiries in my credit file : XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Debt collection

on XX/XX/XXXX I purchased a poster from XXXX XXXX XXXX XXXX On XX/XX/XXXX I received a call asking if I wanted any other services from them, and I politely declined. They sent me a bill, without any real confirmation, and have been calling me constantly ever since. I have now received a message on XX/XX/XXXX from Receivable Management Services LLC, a debt collection agency, so they're really pursuing this relatively small sum of money. I'm not interested in being bullied to pay for this useless " virtual service '' that I never used or asked for.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to escalate the issue of inaccurate information on my credit report, which I have previously disputed with TransUnion. Despite the removal of some inaccurate items, certain issues remain unresolved. 

I appreciate TransUnions previous efforts in addressing some of my concerns, but I am requesting the immediate removal of the following items that have not been fully addressed : 1. Address : This address was removed only once, but it continues to appear repeatedly on my report.

2. Hard Inquiry : XXXX XXXX XX/XX/year> This hard inquiry should not be listed on my report. 

I have previously submitted my Identity Theft Affidavit and proof of identity, and as required by Section 605B of the Fair Credit Reporting Act ( FCRA ), these items should have been removed immediately. Since these items have not been properly verified and continue to appear, I am requesting their immediate removal from my credit report.

If these items are not removed, I will be forced to pursue legal action and further escalate this matter through additional complaints to the CFPB. 


Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit card or prepaid card

On XX/XX/2019 I decided to pay off some credit card balances to help my credit score. I paid 3 total balances including my TJMax credit card. Then about a month later I notice my credit score went down due to a credit card being closed. I was notified that my TJ max credit card was closed because they decided they no longer wanted to give me a credit line. I called them immediately they explained that they decided to no longer give me a credit line after I had paid the balance off because they had the right to do so. They didn't try to help me and refused to re-open my card and damaged my credit. I am very upset because I chose to pay this off to help my credit not to effect it negatively. My payment history with them has always been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear, It is about KIA MOTORS FINANCE, AMOUNT AROUND XXXX My credit report shows repossession on XXXX XXXX. I have receipt/conformation that showed I paided my bill up to XXXX XX/XX/2020 then the payment REJECTED by creditor. 

It is still not clear why my car got repossessed. I realized my car repossessed on XXXX after calling to request payment deferral for month of XXXX while abroad for church mission and stacked there because of covid no flight order. Problems with kia Motor, APPLICABLE FACTS ( 1 ) Not notifying I have electronic consent to be notified/get any alert. But kia failed to do so, instead send only " mail '' to my old address/not the mailing address that I updated on kia motor finance online account. 
( 2 ) Rejecting Auto payment after XX/XX/XXXX ( payment for XXXX ), and reported it credit beauros as not paid. 
( 3 ) After talking and agreed to reclaim my vehicle, but not answering call when to pick up ( physically closed ), kia refused to postpone, auctioned it with out any notification. 
APPLICABLE LAWS IN NEVADA ( 1 ) The registerd owner must be at least " 30 '' days in default. I have paided till XXXX XXXXEven if reported otherwise. 
( 2 ) The repossession company must notify the registered owner in each step of the repossession. 
( 3 ) The repossession company can adjust payment agreement and return the vehicle to the owner. 
CONCLUSION So if not in defult and /not notified, it must be considered as wrongful repossession and may be required to have court judgment to reposses in Nevada . 
Contracting creditor beauros or the company failed to solve the issue. 
Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report that I have no knowledge of. I contacted Capital One to verify the account information, but they said they have nothing on file. I gave them the account number reflected on the credit report starting with the numbers XXXX and ending in XXXX which they said they have no record of the account. Then I asked them to run my social security number and they told me that they did not have any accounts attached to my social security number. So they are unable to verify this account but yet they are reporting to the credit bureau. I believe this is a fraudulent account and I would like help getting this resolved. 

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

On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.