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

In 2014 I applied and approved for a credit card with capital one, I had just been discharged from XXXX XXXX and had a small parttime job at XXXX. There was a time when I was unable to pay. I was homeless, and I was doing everything I could to get to a better place in life. I was more than 150 days late. Since that date, I have only missed one payment due to not having cellular access in the middle of a military training event. For the last three years, I pay my statement balance in full, and I have maintained a responsible history. However, this card is hurting me now after so much time. I have called Capital One many times, asking if they could do a goodwill service and forgive the late payments considering my exceptional payment history after my life hardship. I have asked for credit limit increases and was also denied and told that this can only be done on the app. The app automatically denies my request. But I can't increase my credit score if I  have these negative items on my report. I would like to continue being a capital one customer. However, no one has been able to help me improve my relations with CapitalOne as a future customer.
Product: Credit card

I XXXX XXXX XXXX due to a XXXX XXXX. Once I started to XXXX with income. I kept calling capital one and asking for a hardship every week for about 3 months. I kept getting denied. They finally decided to gave me a hardship. We agreed to XXXX XXXXXXXX. Every time I go into make a payment it says over {$400.00} due. I refuse to pay until they fix that. I alerted them on this already. It's still not fixed. They ignored me completely. Even after reporting them to the XXXX. Now they're threatening to do a charge off if i don't pay over {$600.00} due by XXXXXXXX 

Aside from this, I made the horrible decision to also have my car loan with capital one. Worst mistake. It's been months of me trying to get a hardship on my car loan and getting denied. One employee suggested I let my car go into collections to receive any kinda help from capital ... seriously? The point of me communicating ahead of time is to prevent damage. This situation has forced me to prioritize my car payments over all else. 

Capital doesn't care about customers or certainly not me. I dont have many accounts. But the ones I do have, they all have helped me in hardship. capital is single handedly destroying my credit and making things way more complicated than needed. The worst bank I've ever delt with. Carless. 

If they had given me the hardship from the start. I wouldn't be in this mess they created from greed.
Product: Checking or savings account

Dear Madam or Sir, After the passing of my mother, XXXX XXXX XXXX, My sister, XXXX XXXX, presented to Suntrust Bank, XXXX  branch a death certificate early inXX/XX/XXXX. At that time, my sister received her half of my mother 's account balances. As per the instruction of Ms. XXXX XXXX ( XXXX ) of the XXXX   Branch, I submitted a letter to SunTrust Bank, Account Closure Team on XX/XX/2018 to close my mother 's account. As per her instructions, I did not need a notarized letter because my mother 's combined accounts were less than {$25000.00}. I then received a letter from the account closure team indicating that I did need to send a notarized letter. I mailed the notarized letter back to them on XX/XX/XXXX ( overnight ) and it was received XX/XX/XXXX at XXXX in the morning per the post office.

As of today,XX/XX/XXXX I still have not received any check from my mother 's accounts ( XXXX and XXXX ). I have called, emailed, etc. XXXX XXXX several times ( and spoke to her manager ). I was told that they could only email the account closure team and that there was no phone number for myself or them to call to follow up. I spoke last with XXXX XXXX last week Friday,XX/XX/XXXXand was told that it appeared the accounts were closed on Thursday the XXXX. Again as of today, I still have not received a check and what is frustrating is that the XXXX   phone number is merely a call center that is unable to help and the branch where my mother banked claims that they have no phone number to provide me to follow up.

I am very frustrated because I can't plan a memorial for my mother until I receive this money. I am also upset with the lack of customer service available to me to resolve this issue. Please help me.

The Account Closure Team is located in XXXX,   TN.
Product: Vehicle loan or lease

On XX/XX/XXXX, I obtained possession of a vehicle from XXXX XXXX sales that was alleged to be financed by Equity Auto Finance IncXXXX XXXX XXXX XXXX XXXX informed me that a Down Payment was required in the amount of {$10000.00} in order for me to take the vehicle off the lot after Equity XXXX XXXX XXXX already approved me for the Auto Loan on XX/XX/XXXX. 
On XX/XX/XXXX, I found out that both XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide me with disclosures that informed me of my rights to rescind my signature from the contract that I entered, and as a result, I proceeded to Rescind my signature from the Installment contract sending Equity Auto Finance Inc. the NOTICE OF RIGHT OF RESCISSION dated XX/XX/XXXX, holding Certified Mail # XXXX. Equity Auto Finance received the Notice and they signed for the Notice, however, they failed to respond and acknowledge as requested within the Notice. Also, included was an affidavit that Equity failed to rebut and thereby silence agreed to all stated within my Affidavit sent to them dated XX/XX/XXXX. 
After receiving my Rescission and failing to respond to it, Equity Auto Finance Inc then Reported to the XXXX XXXX XXXX that the Account was closed on XX/XX/XXXX, and reported that a balance was owed. Thereafter each month equity has reported late payments, a balance, and that the account is closed. This information is inaccurate, fraudulent, and damaging to my consumer report and it violated the law. I wrote to Equity Auto Finance on XX/XX/XXXX, regarding their inaccurate reporting and demanding that it be removed equity received it on XX/XX/XXXX, however they failed to remove it and cont to report. I exercised my rights in good faith and Equity Auto Finance decided to take adverse action against me as a result.
Product: Credit reporting

XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpayment of the deductible. I never recieved a bill after XXXX. I have no idea why this is in collections they should bill the insurance ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.
Product: Credit card or prepaid card

Wayfair/ ( Comenity Bank XXXXBread Financial ) reported 30 days late on XX/XX/XXXX on all three credit reports which was incorrect. The item is inaccurate because payment was made on XX/XX/XXXX, 18 days later than the due date of XX/XX/XXXX Per the U.S. Code 15 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The credit card company had not uploaded statements to my online account or sent them to my email or mailed to my home address since XX/XX/XXXX ( See attached screen print ), which is a violation of US code 15-1666b. Due to the non-mailing of statements the late payment reported in XX/XX/XXXX should be removed. I sent the company a certified letter by U.S. Postal mail on XX/XX/XXXX, however I never received a response. Federal law late payments should be reported on consumers report only if they are past due 30 days or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never got a loan from XXXX XXXX XXXX  i never went to school in the usa so no need to get a loan XXXX XXXX XXXX is reporting incorrect and wrong information on my credit report
Product: Vehicle loan or lease

Santander USA repossessed the vehicle in XXXX  during time in which COVID was prevalent. I lost my job and could no longer afford the payment. Santander repossessed it and the damage to my credit report is making it difficult to get into a rental home. I should have been protected during the COVID years from this and I explained that to them but they refused to listen or work with me in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, XXXX falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, XXXX claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.
Product: Vehicle loan or lease

I cosigned on a car loan in XXXX the loan matured in XXXX the loan was originally with XXXX XXXX and i recently found out on XX/XX/XXXX that the loan was transferred to West Lake PM on XX/XX/XXXX after the maturity date for an outstanding balance. Like i mentioned im the cosigner on the loan. When the loan was with XXXX XXXX they would call me or send a letter if the payment was late so i could fulfill my responsibility and bring the account current. I thought the account was closed since the maturity date had passed, and i didn't receive any request for payments from XXXX XXXX. I applied for a construction home loan and was surprised when i was told about several late payments that were on my credit report. I filed an complaint with cfpb and West Lake PM suggested that i file an identity thief claim but i was advised to dig deeper by legal council. I finally called West Lake PM and after 5 min or so i got a supervisor that was able to tell me what was going on. That's when i was informed that they brought the account and the same terms still exist, the account is past due and thats the reason for the late payments on my credit report. I explained that i have not even been made aware of the loan being serviced by them, they never notified me about anything. The supervisor added another phone number to my file now they have 2 working numbers on file to contact me and agreed to remove the late payments because they had never made contact with me and i had no knowledge about what was going on. Another month has reported and the late payments were never removed. I called them back and a different supervisor told me that no reported information would be changed and if they contacted me or not its my responsibility to find out what's going on with this loan and that West Lake PM is not responsible to notify me that they are even servicing the loan. I don't know how i can pay a installment payment if i don't even know a payment exists. please help
Product: Debt collection

On XX/XX/XXXX I called Rash Curtis & Associates and they advised me that I owed nearly {$9000.00} in medical debt and they agreed to settle with me for {$5500.00}. They said by paying this, I would be completely cleared and no longer have a balance. When I called, I provided them with my previous married name, XXXX XXXX XXXX and my current ( Maiden Name ) XXXX XXXX XXXX and provided them with my Social Security. My Credit Report began to show them as Paid/Settled except for a handful of accounts. I called them again on XX/XX/XXXX and was once again assured that my account was settled. I filed a dispute with the Credit Bureaus and they were told by Rash Curtis & Associates that I still owed a balance. I called Rash Curtis XX/XX/XXXX and they advised I still owed a balance of {$700.00}. I feel they baited me into settling for a large lump sum and are now trying to take advantage of me by asking for more money, after assuring me that I was completely settled.
Product: Mortgage

My husband died suddenly in XXXX. We held our house in joint tenancy with rights of survivorship so that the house passed to me directly by action of law, but I was not on our Wells Fargo mortgage. I had been named on all of our previous mortgages, but was not on this XXXX as I was not working when we refinanced and it was more convenient for my husband to take care of it without me. He was only XXXX when he died, and we did not foresee the complications this would cause me. I have been trying to get my name substituted in on the mortgage, but have been told I would have to prove my ability to repay, a months long process which would include a fee. I told the company this was not legal and asked that they speak with my attorney, but they have refused as my deceased husband has not authorized them to speak to my attorney. I have sent them his death certificate as well as a copy of the XXXX XXXX, 2014 CFPB ruling stating that in cases like mine the ability to repay rule is not triggered, and supporting my desire to be added to the mortgage as an obligor without qualification or fee, and all I have got back from them so far is letters to my husband who they know is deceased telling him they are reviewing my inquiry. This little mental gymnastic they are doing is ridiculous and insulting. Also, I think its a pretty neat trick that they feel as if they can do whatever they want and refuse to talk to the attorneys of the people they are wronging while doing it. I think that Wells Fargo is violating my rights and I would like them to be made to act more ethically and sensitively. The letters to my late husband are just the last straw.
Product: Credit card

XXXX XXXX FirstBank Puerto Rico, This case was opened and closed based on the Bank 's response which was not true XXXX. 

I called them numerous times and they refused to do anything about the card, they waited and it showed in my credit report. That's when I filed the previous complaint. 

They admitted by a letter that this was an " error '' even when they lied in the statement from my first complaint. 

In that letter they claim they sent the information to the credit bureaus. They said it will take 30 to 60 days for it to be cleared.

It is still showing on my credit report. I don't believe they did anything.

I need this issue resolved, please. My credit score had an impact because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX XXXX XXXX XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in XXXX. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX  would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
Product: Credit card or prepaid card

There are several accounts that were opened in my name while i was incarcerated and when released i went to a lawyer who advised me to file bankruptcy and that would fix the problem which it only made things worse on trying to move on with a good and normal life Ive contacted the consumers several times explaining that these account were opened with addresses that I never lived at and that is the case of identity theft at the time I was released I put a fraud alert on my file and that seemed to help and once that was removed and a few years later I have another case of identity theft coming from applying for a loan on line and that caused my bank accounts to be breached and it put my account at a - XXXX dollars so Im hoping with this report this can clean the problems of fraud done under my name with several accounts closed on my reports and all the inquiries done without my consent. Accounts as Best Buy and inquiries, XXXX XXXX  cards, Macy 's, XXXX, XXXX XXXX with account and several inquiries. XXXX, XXXX XXXX, with inquiries, XXXX  XXXX, XXXX , XXXX , XXXX Auto that was paid off in full by my insurance, And 17 inquiries done under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account # : XXXX, has 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 a account without my written instructions
Product: Debt collection

I have been a Citibank customer since XXXX with a $ XXXX credit limit. I am a single XXXX, and have been living with a son full-time since he was XXXX in XXXX. I was living off the card and was paying it down when I had medical issues that prevented me from working for 2 years. I got back on my feet and agreed in early XXXX to pay down the remainder @ {$500.00} per month. I calculated I have paid over $ XXXX in interest to date. I am now XXXX, not working, and have no income. I called Citi to ask if I could reduce or eliminate the remainder of the balance as I could not afford the {$500.00}, did not want to ruin my credit and subsequently file for bankruptcy. I was told that since I have paid off the principal and was not able to pay {$500.00}, I should pay XXXX more month and call next month to settle. I called this month and was told to call back next month again, and that there is no settlement that can be offered. With some persistence, I learned if I fail to pay for the next XXXX or 4 months ( this is an automatic deduction from my depleted checking account ) there may be a settlement offered, but no guarantee that 1 will be offered. So my credit is about to be ruined, and no settlement is offered until that damage is done. I need assistance.
Product: Checking or savings account

On XX/XX/year> a friend of my girlfriend 's sent me money to fix my car and another friend of mine sent me what he owed me a while back on the same day. My girlfriend 's friend sent {$400.00} twice totaling {$800.00} and my friend sent me {$50.00}. All of which was going to fix my car. The bank locked my account until they can verify my identity. I did that and immediately after they locked me out permanently saying that there was suspicious activity going on and they made a decision to not allow me to use their services anymore.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I initiated a wire transfer of {$7000.00} from my XXXX XXXX XXXX checking account to my cousin 's Wise account ( Wise.com ). In the transfer memo, I truthfully stated that the money was sent by his mother from XXXX in cash, and I intended to wire transfer it to his account. However, the wire transfer was flagged and subsequently blocked by Wise due to sanctions against XXXX. Despite our efforts to follow up regularly, the transfer has not been refunded after XXXX weeks of waiting. My cousin, who is a XXXX urgently needs the money for his XXXX. Despite his persistent calls and emails to Wise twice a week, they have only provided vague assurances that the refund is being processed without offering any concrete details on when it will happen. His parents worked diligently to save this money and send it to him, and we are unsure how to proceed in getting it back from the Wise bank.
Product: Checking or savings account

This complaint is regarding the automatic debit made by Chase Bank from my account without my information or any inquiry. 

On XX/XX/2023 Chase Bank has debited my account with {$13000.00} against miscellaneous transaction. Upon inquiring from Chase Bank claim center I have been informed that XXXX XXXX XXXX XXXX has opened the dispute against me for the wire transfer she made in the month of XX/XX/2023 and the bank has settled this amount against the dispute without informing me or investigating me during the research of the dispute of this transaction. 

The invoice amounting to {$13000.00} has been raised for XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX dated XX/XX/2023. In the month of XX/XX/2023 I have received following wire transfers against the sale of furniture from XXXX XXXX XXXX, all the wire transfers were authorized and correct and due with XXXX XXXX XXXX to be paid to XXXX XXXX XXXX XXXXXXXX XXXX The screenshots of wire transfer are enclosed with this application ) : Date Amount ( $ ) XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX Total XXXX I have filed a claim with the bank timely having claim # XXXX for the credit of this amount with Chase bank XXXX XXXX. This forced debit of amount {$13000.00} has took my account in overdraft. On XXXX XXXX I called the Chase Bank Claim Center at XXXX am to inquire the status of my claim. The representative on the phone line has verified and confirmed the above stated amount from me and has assured that the credit will be given back to my account. The lines were recorded and can be retrieved with the date and time given. 

However, on XX/XX/2023 the bank has declined my claim and has refused to refund the amount of {$13000.00} that was earlier debited from my account. 

The bank has committed fraud with me by not making me the part of any ongoing investigation against any amount in my account. It is requested to please help me in recover my amount of {$13000.00} from Chase Bank at earliest. 
Enclosed : 1- Copy of bank statement showing the debit made by bank on XXXX XXXX of {$13000.00} and the credit of above mentioned amounts into my account through wire transfer. 
2- Copy of letter of response by Chase Bank against my claim for the amount {$13000.00}. 
3- Invoice raised for XXXX XXXX XXXX XXXX against purchase of furniture. 
4- Screenshots of Wire Transfer amount sent into my account by XXXX XXXX XXXX XXXX