23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a checking account with Capital One 360 and got a debit card from them in advance of a 6XXXXmonth trip to XXXX. I informed them of my travel dates and destinations. They gave me a non-XXXX phone number to call collect from overseas in case I had a problem. After XXXX weeks, they froze my card. But when I tried to call the customer service number, I found that no matter what time of day I called, I could reach only an automated voice menu, with no options corresponding to my problem. The phone number they gave me is simply not staffed by any customer service representatives at all. Of course, there was no way to reach their XXXX number from overseas. So I looked on the website for other contact options. They were limited to fax and postal mail - no other phone numbers, no electronic contact options. So, I sent them a fax. They confirmed receipt of the fax in an email, but have not replied to my reply ( I 've now been without the use of this card for three weeks ) and the issue is still not resolved. So : no customer service options for people using the Capital One 360 debit card overseas.
Product: Credit reporting or other personal consumer reports

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA. 
I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. 
Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA. 
FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. 
If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have made XXXX payments to Genesis Finance. The XXXX  XXXX payments were correctly applied to the principal. I had called to correct this both times at the start as the excess payments went to future payments instead. The agent on the phone confirmed that this will be corrected moving forward to be applied to the principal as my payments are set to auto-pay. This was not the case. I am trying to pay off the remaining balance of the payment. After XXXX calls, this has not been resolved and only the last XXXX payments were adjusted to principal. Genesis Finance claims the remaining payments ( Payments XXXX through XXXX ) will not be adjusted. This is stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is been file against TransUnion LLC. They are reporting incorrect and misleading information on my credit report. 

Complaint # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX and XX/XX/XXXX TransUnion reported my payment as current. In XX/XX/XXXX they reported 30 days late, XX/XX/XXXX they reported 60 days late, XX/XX/XXXX they reported 90 days late. According to TransUnion I was late 180 days. How can I be 180 days late when my payment was current in XX/XX/XXXX and XX/XX/XXXX? From XX/XX/XXXX to XX/XX/XXXX they put an X on my credit report, which means unknown. This reporting in incorrect and misleading. I have wrote to TransUnion many times over several months and they refused to delete. 

Complaint # XXXX XX/XX/XXXX to XXXX of XXXX TransUnion put an X on my credit report, which means unknown. In XX/XX/XXXX TransUnion reported on my credit 120 days late. How can I be 120 days late in XX/XX/XXXX if the prior 4 months are reported unknown? 
Because of this I have problems sleeping and nights, my marriage is suffering due to XXXX XXXX XXXX XXXX XXXX XXXX not only that I'm having XXXX XXXX. I am a XXXX XXXX XXXX XXXXXXXX XXXX and I can't apply to certain jobs because of all these incorrect and misleading information on my credit report.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to convey my ongoing dissatisfaction and worry about the unresolved dispute I filed about the fraudulent accounts that resulted from identity theft on my credit report. I regret to inform you that, in spite of my earlier contact and the supporting data I sent, the aforementioned accounts are still included on my credit report. 

XXXX XXXX XXXX. XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. 

I kindly urge you to prioritize the resolution of this dispute, as it directly impacts my financial security and well-being. I request that you take immediate action to remove the unauthorized accounts from my credit report and provide me with written confirmation of their removal. 

Please communicate with me promptly to keep me informed about the progress of your investigation. If there are any additional documents or information needed from my end, kindly inform me so that I may provide them promptly. 

I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.
Product: Mortgage

I purchased home in XX/XX/2021 with XXXX. In XXXX I receive a letter that XXXX owns loan now but to continue with XXXX as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard Valon, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.
Product: Student loan

I just got a letter on   XXXX   XXXX   XXXX    abo ut the deceptive practices for  XXXX   college that  I attended in  XXXX  and graduated  XXXX  from the  XXXX   XXXX   XXXX   Virginia Attorney General. I had  a Genesis loan  that I had paid off in the meantime. I found my letter from them when I got this loan back in  XXXX   XXXX . I have tried calling the number on this paper (  XXXX  )  XXXX , which w as Gensis  lending which then referred me to these  XXXX  numbers (  XXXX  )  XXXX  or  XXXX   XXXX   XXXX   XXXX . These  XXXX  companies have no information because I have paid off my loan. So I do n't know about how to go and get information for them to refund me the amount I had paid them.
Product: Credit reporting or other personal consumer reports

Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from XXXX, XXXX, and TransUnion, and confirmed the inaccurate information.

2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report.

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.
Product: Bank account or service

Someone got a hold of my debit card as I apparently had lost it debit card & did not realize that I had lost it. I did not realize it was missing until I recvd a call from SunTrusts fraud prevention department asking me to verify charges. I advised that the XXXX charges made on my account were not made by & were fraudulent. They immediately shut my card down & told me they would file a claim for me. They gave me claim number XXXX. I waited & one day I recvd a call from someone with SunTrust bank by the name of XXXX and something close, from the investigations dept & I explained was bad time a could n't speak as I was at Dr appt. She asked when would better time & I explained in a hour or so. She never called again, I made several attempts to call her back & left several messages that same day & even a couple of days later. The very next day after I received email saying that my claim was denied as there was no error on the bank or merchants part & the claim was denied. I spoke to a supervisor & explained that someone had my card & she explained that there was n't a lot of info as to why the claim was denied & only info she has was they determined there was no error on the bank or merchants end. I explained that I had the card immediately shut down when the fraud was discovered. They told me that looks I had done business with the merchants before, & appeared valued. It was XXXX!! Who do n't shop at XXXX but I would not have gone two hours away!! Also some of the charges were made while I was at a Dr 's appointment as I had recent XXXX. They told me I could file a rebuttal which I have done and it was submitted on XXXX XXXX, 2016. Every time I call I get no info. They said they would send me documents that they used to determine and support the decision but all they sent was a copy of the original denial letter again and no documents were actually sent to me. When I called to inquire as to why I did n't get documents just another copy of the denial I was told that was all the documents they had. To this date XXXX/XXXX/2016 they have still not given me back my money and seem to be giving me a run around. I would like my money back I did not authorize the transactions or take part in anything and have done everything that they have asked me to do! CHECK CARD PURCHASE XXXX XXXX # XXXX XXXX GA for {$520.00}, CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$450.00}, and CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$200.00} all the transactions were made on XXXX XXXX, 2016. I would like my money returned
Product: Debt collection

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$30.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, JEFFERSON CAPITAL SY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 45 days and I have yet to receive a response. I feel as though my complaints are not being taken seriously and I am being ignored. Section 611 ( a ) states that a faliure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. My information may have been impacted by numerous data breaches and gotten into the wrong person 's hands.
Product: Mortgage

COMPLAINT ID XXXX-XXXX  SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process My issue ( s ) continue : The mortgage company PHH is not currently working to resolve my previously reported issue ; nothing is currently being done to correct the now issue, as they incorrectly resolved the previous one.

I followed-up with PHH 's Escalations Department ( on XX/XX/XXXX ) and was told that my account had been brought to current, and all I now had to do was pay my mortgage amount for the month of XX/XX/2021 ( PROBLEM is, that I've already paid the mortgage for the month of XXXX ( in- full ) on XX/XX/XXXX - which should make my next payment due in XX/XX/2021. 

Now, rather than being behind the one payment they misapplied and was supposedly working to correct - they've now indicated to me that I owe for the entire month of XXXX ( indicating that I'm now a full payment behind ). It's obvious that PHH is not structured correctly to handle Flex payments - even though the offer it. I reached out to them, and they've now cancelled Flex-payment, the last being XX/XX/XXXX ). ON XX/XX/XXXX, I paid my full mortgage amount for XXXX - the next should be due in XXXX. 

I have paid all mortgage payments obligated, and my PHH Dashboard Payment history reflects this fact - but, PHH 's " Payment due '' is always incorrect. It now stated that I am 14 days past due.

While this issue drags out ( now over 2 months ) it has and continues to negatively effect my credit history and is causing considerable stress to myself and family, during these trying world times. The company is negligent ; is seems if anyone form PHH was actively concerned with resolving this issue, it would not take so long to resolve such an obvious issue. The Payment history which is available on their PHH sites holds the obvious answer to a simple resolution - apply the payments correctly. 
I subscribe to a credit reporting and monitoring service. I received notice this month that my credit score had dropped 43 point. I inquired and was told that it was due to " late payments '' reported by my mortgage company. I went from the 800s to 700s. Is their a plan for them to resolve this developing issue? - they don't seem very concerned as I've still received calls from PHH 's Collect Department, and it obvious they've falsely reported to
the Credit Bureaus ( while they're supposedly working to resolve the issue ). It's so blatant that is seems deliberate.

PHH now reflects I'm 14 days late for XX/XX/XXXX ( which I paid in-full on XX/XX/XXXX ). While they supposedly work and continue to draw-out the resolution of an issue of they're own doing - I continue to be affected by the incompetence and negligence in resolving this issue. 

Note : Although, I wrote to CFPB on XX/XX/XXXX, the issue with PHH was reported and supposedly being worked well over 60+ days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act Convergent account numbers XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BILLING Account Number : XXXX XXXX XXXX Account Number : XXXX has violated my right 15 U.S.C 1681 section 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 to not furnish account without my written instructions XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BILLING Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and that I wish to inquire about specific entries in my documents that have resulted from the crime. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
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
Product: Checking or savings account

I received two Debit cards in the email from Bank of America that was unauthorized. I don't even have an account through Bank of America. I was at the bank this morning for XXXX XXXX while they helped me report 2 fraud claims which I have the numbers. I called XXXX as well and they have been helpful to provide me with how to do this. These 2 accounts were opened in XXXX of XXXX  and Bank of America said they closed these and reported them as fraud -- which im not afraid will effect my credit/score.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Early Warning Services , LLC * XXXX : Consumer Services * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX  XXXX Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

Since. I paid {$1.00} to view Credit history on trial and Experian charged me {$24.00} and I can not access account called and I 've talked to the Rep said will send me an temporary password to access but I never gets it and never have a chance to view a Credit report! 
I felt Totally cheated and scam! I already read carefully a about " Review Experian " should learned from customer with ton of complained about it!
Product: Credit card

Citi bank had promotion of XXXX $ if I met certain criterias which I did even their rep cinfirmed it to me ( I even recorded it in my phone ) After a while I receive email that I did n't meet criteria! Not cool, obviously fraud by Citi bank! Talked to manager and just sorry.
Product: Checking or savings account

On Saturday ( XX/XX/22 ) I engaged in a conversation, through XXXX XXXX, with a XXXX XXXX XXXX. XXXX XXXX agreed to sell me 3 tickets to a football game for {$450.00}. After agreeing with her, I sent the agreed upon amount, from my Chase account ( through XXXX ) to her. Upon receiving the money, the other party failed to respond to messages and never sent the agreed upon tickets. I asked her to please return the money several times and she never responded. Immediately following this interaction I called Chase to let them know what had happened and they told me they would start and investigation, but that because this happened through XXXX that they probably would not be able to get my money back.
Product: Credit card or prepaid card

This has been an ongoing issue since XXXX of 2018. 

I have a disputed {$450.00} Charge that I submitted evidence to justify the dispute. This charge is from XXXX. They did not provide the services paid for. They were to insure shipments, and didn't. I had to cover the repairs to equipment shipped. I have sent them e-mail transcripts, itemized bills, and they never bothered to process them until they claim XXXX. 

I have disputed this with Chase. I can not get consistent information from their executive staff who claim they had already credited this in XXXX. It now shows back on my card for XXXX, XXXX. This had been permanently cleared per my discussions with their representatives in XXXX. 

They now claim that it is too late to dispute. This comedy of errors is their fault due to misinformation, poor process control, and flat out false and misleading information by their people. 

They have allowed other merchants to charge my account utilizing cards that were blocked and replaced by their fraud team. Any attempt to rectify any of this is simply tossed from one department to the next. They seem more concerned that I recording the calls now than solving the problem. 

I need this {$450.00} removed.