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

In XX/XX/XXXX, I noticed 10 cash advance charges on my Capital One Mastercard ending in XXXX from a merchant, XXXX/XXXX between XX/XX/XXXX-XX/XX/XXXX. I immediately contacted Capital One to report fraudulent activity. My card was deactivated, and a new card, ending in XXXX was issued. and immediately destroyed upon receipt. It took numerous phone calls, and finally at the end of XX/XX/XXXX, I spoke with someone who followed through, and credited my account for charges, interest, and associated fees. When I received my bill for XX/XX/XXXX-XX/XX/XXXX, there were 5 additional charges, again from XXXX/XXXX. Again, I contacted Capital One to report fraud, the card ending in I declined receiving an additional card due to the problems associated with the fraudulent charges as well as the shady customer service I had received. The charges were credited back to me. On XX/XX/XXXX I received notification that the last 5 charges were charged back to my account. After speaking with the individual managing my account, I received no further response to numerous messages left on her voicemail. On XX/XX/XXXX, I again contacted Capital One, spoke to a representative who assured me I would hear back within 72 hours and receive correspondence confirming my complaint. As of XX/XX/XXXX, I have nothing. On XX/XX/XXXX, I again called the fraud department, and apparently everyone is now a manager, to no resolve. My bill still reflects the 5 transactions, cash advance fees, and interest charges. Capital One has a policy for fraudulent activity that they do not live up to. How could have charges been made when the card had been destroyed? Why would they not credit charges made at the same merchant the initial 10 charges had been made? I would like this resolved, and the have all of the charges, fees, and interest credited to this account so I can officially have nothing further to do with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status is incorrect and needs to be corrected
Product: Debt collection

I received repeated call from different area codes and most recent an email along with letters about a debt I do not recognize. I have asked them to not call and most recently they sent an email which I did not give them my email address. I have no idea who this company is.
Product: Debt collection

Hi! 

I'm writing to request that you help me with a situation regarding debt collection that is a result of identity theft. I did not authorize any payments to any of these companies and I do not recognize the Omega Company. I do not recognize any other company that is trying to send me to collections and trying to add a collection record on my credit report. 

I was a victim of fraud and a scam by XXXX XXXX back in XXXX XXXX XXXX and this Company has been harassing me and since then for no good reason. There was no service provided to me and this company collected my personal information, forged my signature on an agreement I never signed, and has been trying to use everything against me. Please help stop this XXXX XXXX and Omega from harassing me all this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX  bureaus
Product: Debt collection

Bank of America 's collection agency has been hounding me at least once a week for three months. My XXXX XXXX, XXXX payments were made on time for the full amount required. There was a misentry in my XXXX amount paid when the first harassment started, He insisted that there were insufficient funds in the account. I assured him that there was enough money in the account to cover the amount of the check. He insisted I go to the bank that the check was written and to get a copy and statement showing sufficient fund were available. I did this and got a song and dance from a rep that there was a double entry 15 minutes apart and this caused a problem and that she would straighten it out. The phone calls continue to come to this day. I have been to the bank numerous time and thought I had this straightened out with XXXX the? manager. He said pay XXXX XXXX dollars and all would be well. I did and B of A still is harassing me for late fees and interest. Every time you deal with a different person or division and have to repeat the whole story. The left hand does not know what the right hand is doing.
Product: Student loan

According to an official letter from Mohela sent to me, my Teacher Loan Forgiveness application ( TLFA ) for the amount of {$17000.00} was submitted to the XXXX XXXX XXXX for discharge on XX/XX/year>. When I reached out to Mohela, they informed me that the XXXX XXXX XXXX  needs 90 business days to provide its final approval for student loan discharge, beginning from the date that Mohela sent the letter on XX/XX/year>. Mohela informed me that the 90 business days would conclude on XX/XX/XXXX in reply to my inquiry for a definite date. They also mentioned, " Once we obtain the XXXX XXXX XXXX XXXX approval, it will require us an extra 90 days to discharge the loan. '' The self-imposed deadline set by Mohela has passed ; nonetheless, Mohela still delays in processing my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX
Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

We filed the complaint # XXXX back on XX/XX/2021. XXXX Bank responded that the account was not opened since the country of XXXX is on XXXX restriction list!!!! 

However we have absolutely NO financial transactions with county of XXXX! Therefore we were puzzled why a legal US resident with Permanent Residency ( XXXX  ) Social Security and a valid State issued ID is unable to open a bank account! Our only fault is that " we were born in XXXX and now we are in the US to be near our beloved children ''! 

Thus we did follow up with XXXX XXXX XXXX at XXXXExecutiveOffice via phone and email and mail. During a telephonic conversation she acknowledged that the banker made an error assessing the situation and made a wrong judgement in this matter since all requirements to satisfy for an account had been met. In-fact just few days after we opened an account with XXXX which we have not had any issue with them what so ever! 

Ms. XXXX XXXX at XXXXExecutiveOffice assured us that additional investigation and corrective actions will be taken. However despite several voicemails that we have left for her and emails sent to her, we did not receive any responses from Wells Fargo. 

To us, this is a TRUE case of discrimination and it was evident to us that the Banker spent almost 2 hours making numerous phone calls just to provide a " NO '' answer to us! We could overhear his phone conversation that the other party on the phone line asked her " Why not open an account for them if they have all the documents? '' and he was replying " Because they are originally from XXXX! '' We are demanding XXXX to provide an official respond that : 1. What was the final conclusion of their investigation?

2. What has been the corrective action that XXXX has taken in this matter? 

This is not a situation that neither ourselves nor our children could forget nor forgive and we are also giving them ( Dr. XXXX XXXX and Mr. XXXX XXXX ) the full power of Attorney to conclude this matter if any unexpected circumstances arise for us. Our children and their young XXXX had to accompany us ( 2 elderly individuals ) at the bank in the middle of pandemic for 2 hours while the banker was making every effort to provide a NO answer!
Product: Credit reporting or other personal consumer reports

For over twenty four months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner.

Yet the CRA 1. fail to provide information requested, 2. failed to correct, 3. and failed to delete and remove the disputed accounts.

Instead they sent me notices of deletions, yet the account and inaccuracies remain on credit report ( see the attached exhibit ) they change the name of the Bank as well as other information. 

For example : Experian report # XXXX shows XXXX XXXX XXXX XXXX XXXX XXXX in other instances. 
Experian report # XXXX shows the item deleted 6 times yet it still remains on my credit file with a different name same account number. see the attached Experian report showing the above deletion 6 different times Deletion dates per Experian file : for the same account XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached Please include me in your class action claim against this company ; and require deletion of all disputed items. 

See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all disputed items must be deleted at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Debt collection

I had an auto loan financed with XXXX XXXX on XX/XX/XXXX. I started to struggle with the payments in XXXX which resulted in my default. XXXX during XXXXwhere their collection associates called numerous times a day every day of the week. If I did not answer the call they would call over and over again and leave no message. They called my employment phone after I advised that I could not receive calls at work. Then they began to call me on my mobile telephone during my work hours, again I requested that they not call during those hours to no avail. I did not provide permission for them to call my cellular telephone. They continued to call my cell phone numerous times a day and call me back the same day after talking to me already. The associates then began to curse and threaten to report me to the police and have me cited as well as call and tell my employer of my debt. I advised caller to cease and desist and that they were in violation of the fair debt collection act to which they laughed and called me more derogatory names. 
I provided a written request to cease and desist. I still received a few calls. I finally got a manager and we discussed the fair debt violations along with calling my cell phone after I advised to not call same and an agreement was made that the violations and the remaining debt was a wash. I agreed to surrender the vehicle. It took until I called again months later advising that I was going to cancel insurance on vehicle and they needed to pick up the vehicle. Finally they picked up the car, in XX/XX/XXXX. Based on the agreement discussed, I assumed the matter was complete. 

I received a class action card for XXXX based on their violations of the fair debt collection act. This information certainly backs my interaction. 
In XXXX of XXXX Red Target LLC dba SCJ Commercial Financial Services bought a group of collection accounts from XXXX. The next thing I know this new company files a legal action against me for over {$10000.00} in XX/XX/XXXX. A span of nearly 4 years from the time of repossession to legal action. 

I have advised new company of the issues and that my debt was not with them. However, now they have attempted to have a judgment entered against me with the court. 

I dont understand how a company like XXXX that clearly violated Fair Debt Collection Act can later sell its collection accounts for money to another company to put those people through the mud once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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: Credit card

i booked a hotel through my credit card 's travel agent, AmexTravel. during the booking ( but before paying ) the website clearly stated " Free 24 hour cancellation : for a full refund, you can cancel ... within 24 hours of booking. '' there were no caveats to this statement and no asterisks ( see the picture ) suggesting that the hotel was non-refundable after booking, i requested to cancel it as i wanted to change the dates. i called the agent within 24 hours and was on the phone for over an hour. they stated that it was non-refundable but that they would call the hotel to negotiate a refund. towards the end of the hour long phone call, they said the hotel was unreachable but they would continue trying XXXX days later they called me and said still no answer. they then urged me to cancel the reservation, saying they would continue to seek a refund. i asked what if you don't get a refund then im down - {$1000.00}, and the agent said not to worry that they would continue to call. their phone calls are recorded- this call took place on XXXX XXXX XXXX XXXX XXXX later they emailed me to say that the hotel was still not answering their calls or emails. i called the hotel myself and immediately got an answer. the hotel XXXX said no one had called or emailed about the reservation, but that the reservation had been cancelled. i asked for contact details and passed these on to AmexTravel. they still claim that the hotel is not answering them overall i have been misled by the " Free cancellation for a full refund '' statement
Product: Mortgage

My name is XXXX XXXX. I had my husband, XXXX XXXX XXXX XXXX to write up this statement and send it to the CFPB and they in turn sent it to Wells Fargo. Wells Fargo has sent a reply but no explanation. Because of their saying that my HUSBAND is not authorized to discuss the foreclosure, which was their fault for sending back my payments to me, they are not answering at all. The last letter my husband received from Wells Fargo said that they would have an answer for us on XXXX XXXX. No response from them as of now. SO, I am writing this to let you, the CFPB, and Wells Fargo know that my HUSBAND, XXXX XXXX XXXX XXXX, is authorized to get and provide any information about this loss of my home. Wells Fargo has been taking people 's homes in the XXXX XXXX for a long time. Most of the homes that are up here in XXXX, XXXX XXXX, and XXXX are empty due to Wells Fargo messing with peoples payments, and not counting their payments and also not accepting them after they are paid at the branch. I am tired of losing my home and not being able to get another home because of Wells Fargo 's shady operations. You can call my husband to talk about this because I am too angry to speak to anybody, especially to Wells Fargo because the people that call you are rude and heartless and do nothing to help someone even when they call them. I can attest to everything that my husband has stated in this letter and I am writing this to make sure that you INVESTIGATE and see for yourself that Wells Fargo has done everything to mess people out of their homes and then blame them for not doing their part to stay in the home, when we did everything and more. I am so disgusted with Wells Fargo and I want something to be done because of all this time that we have been trying to get a place of our own and we ca n't because Wells Fargo destroyed my credit by not accepting my payments and sending them back to me so that they were late. I want you and them to talk to my husband because he is the only XXXX of us that will be able to talk to them with anything other than irritation. Please e-mail me at the address provided and I will have my husband to contact whomever he needs to talk to.
Product: Credit card or prepaid card

On XX/XX/19 I notices an alert that said my XXXX card was past due .I went to the website to see why this happened .It appears I have another late fee as well. I called customer service to try to set up auto pay as this is very helpful, It seems that even though XXXX is a Comenity bank they do not have auto pay. You can schedule a payment a month out, which I did but of course things get busy. I talked to rep and motioned I had not been getting my statements and they don't have auto pay so I felt I have been set up to fail and that the late fees were a form of extortion. ( I do not have paperless billing ). How can they legal charge a late fee with out auto pay. She said that's the way they work and my bank can send out a check every month. I requested the fees waived she said you had a fee waived in XXXX. I did as I didn't have the card or the statement to pay the bill. She said they only allow waiving of 1 late fee. I have several cards from Comenity they all have auto pay.
Product: Debt collection

I loaned XXXX from cash net, they removed payment every week at high interest rate.. when I realized the money was gwtting too much they remove, I decided to make the full payment.. On XX/XX/2021, I called the cashnet USA XXXX to ask for the full amount I owe. Which includes all charges, interest and all. The representative told me XXXX ( their calls are recorded to confirm this ), I made the full payment the representative quoted me after severalconfirmation that was all the payments. Weeks later I got a call that i am owing almost half of what I paid. I have called them several times to address this issue and nobody as been able to resolve this. Twice I was told they will file a complaint and call me back but all they do is call me back to ask for their payment. I simply asked your company to listen to the call and verify I made all the payment but they said sorry the lady may have made a mistake. I consider this fraud by trying to collect more from me because their interest will not be as much since I paid the full early. Pls help me intervene.
Product: Debt collection

I have saved this message on the phone. Basically said I need to take action, to renew loan, or it would go to district supervior. I told this company I do not have a job and I am unemployed. By mail only.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$470.00}