23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I have a Capital One XXXX XXXX XXXX card. In XX/XX/XXXX, I had my dryer repaired, and paid using my card. In XX/XX/XXXX, the repair failed, and the dryer caught on fire. I looked at my receipt from the repair service, and noted their warranty was only good for 90 days. I recalled that my Capital One card came with extended warranty benefits. I called Capital One, and the rep told me I don't have such benefit. I looked on the site, and reviewed the following information. Warranty benefit page XXXX XXXX XXXX XXXX My Card type is listed as a XXXX XXXX XXXX XXXX XXXX XXXX. However XXXX isn't a listed card type on the benefits details page XXXX XXXX XXXX XXXX I looked at the " XXXX XXXX '' page at XXXX XXXX XXXX and looked at the warranty benefits section. I called " Benefits Administrator '' number listed there, XXXX, and received a recorded message that the number had been disconnected. I feel that Capital One has defrauded me, or poorly communicated my card type/benefits to me. I paid {$310.00} to have my dryer repaired, and can not obtain the warranty benefits which Capital One claims in writing that I have. I paid another {$200.00} to have the dryer repaired again, and this doesn't cover the fire damage. 

I filed with XXXX, and Capital One responded in a robotic manner, and didn't address my question, they simply said this wasn't a XXXX benefit anymore. I am still unsure if my card ever had this benefit, and don't understand why it was never communicated that this benefit was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Student loan

I have already filed one complaint about the lack of communication with ED financial when trying to request a refund from my payments made from XX/XX/2020 until now. I originally requested the refund for ALL payments that were made from XX/XX/2020 until now on XXXX. I was ensured this would include payments that were made though XXXX before my servicer was changed to ED Financial. I wanted to be sure all of my payments would get refunded between both loan service providers. As of Today XXXX I checked my account balance and it does reflect my refund but only for the payments I made with ED Financial. The request was supposed to be a refund for all payments that were made through XXXX and ED financial. I then chatted with a customer service representative through ED financial and did notice they made a mistake and would have to review this request again? This should have been done initially, now I am going to have to wait even longer for something that should have been finished and completed.
Product: Credit reporting or other personal consumer reports

I was horrified this morning when I noticed inaccurate accounts showing up on my credit report, and Im completely lost as to how this could happen. Ive always checked my report routinely, but this time, there were discrepancies that made no sense. I refreshed my browser multiple times, thinking it might fix the issue, but the accounts were still there. Please, Im begging for a detailed review of the documents Ive submitted so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX 2023 XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Payday loan, title loan, or personal loan

I applied for a flex loan with Cash Express last year. The employee told me that it would be cheaper than the current loan I had with them and we could pay my current loan off with the new loan. When I got my first statement, I realized that the employee had not been truthful. The previous loan I had was only due once a month with low interest. The new loan is due every two weeks with 279.5 % interest. Soon after I went in to make my payment and the store had new employees. They looked over my file and realized that the employee who originally filed my application was not truthful about my monthly income. Without my knowledge she put on the application that my income was significantly higher than it really is. I also noticed that my statement sent in the mail did not match what they verbally said that I owe every two weeks. My statement shows that I owe a payment monthly. When I questioned them about this, they said that my statement is not correct. They said that the amount on my statement is actually split into two payments that are due every payday. Around XX/XX/XXXX when I called and asked how much my payment was they said they weren't sure because there was something wrong with their system. They said just pay whatever, like {$100.00}. I did as they requested. Soon after, the location I had been going to closed down. They told me I needed to work with another location. The manager from the other location called me on XX/XX/XXXX around XXXX XXXX. She told me that even though I made a payment of {$120.00} on XX/XX/XXXX that I needed to bring in {$99.00} by XXXX XXXX  or they would ACH my account. I told them that I wasn't aware of any money due and had not received a statement reflecting that. She said the past due amount was from previous months when the employee at the other location was telling me to pay whatever I wanted. I explained to her that I did not have the money in my account and I needed them to hold it until XX/XX/XXXX since I wasn't even aware until that day that it was owed. She agreed to hold it until XX/XX/XXXX. She did not do as she agreed. She sent through an ACH on my account that evening, XX/XX/XXXX, after saying she would hold it. My concern now is that my statement every month is not matching what I owe. For example, my statement for XX/XX/XXXX to XX/XX/XXXX that I received yesterday shows that I have {$210.00} due on XX/XX/XXXX. The manager called me yesterday demanding that I pay {$130.00} by XXXX XXXX or they would ACH my account. I called and spoke with the district manager today, XX/XX/XXXX and told her that I was filling the report and would not pay until XX/XX/XXXX as my payment reflects.
Product: Bank account or service

Note : This Complaint was also filed through the Federal Reserve Form. They claim it will be forwarded to you. 

I have attached copy of a Check that a 6-8 week hold was arbitrarily placed on, claiming internal policy. 

Persists in placing 6-8 week hold on a Home Equity Line of Credit without clear cause and appears to be extremely arbitrary and contradicts Regulation CC in several ways. Refuses to Disclose Policy on Home Equity Line of Credit Checks, claiming they are convenience checks-not true. My Name, address, Routing #, Account #, and the name of the institution, ( XXXX ), clearly on the check. Also, Manager claims convenience checks immediately go into collections. No minimum timely release of funds as required by the Regs according to my interpretation. In reading Wells Fargo Policy in this area, it pretty much aligns with the Regulations, just not in implementation. 
Depending on whom you ask within Wells Fargo determines the many contradictory responses you received. ( Customer Service, Manager, District Manager, and now waiting on Executive Services for their take on this issue as they too were confused. 

From Reg CC ; ( 2 ) Basis for determination ; " No determination under this subsection may be based on any class of checks or persons. ''
Product: Debt or credit management

I was given a differant amount at the time of agreement the a higher amount afterthe agreement.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with One Main Financial. I was approved immediately for a XXXX installment loan for 36 months @ 25 % with collateral. The collateral they require is a car. Unfortunately I am XXXX and do not own a vechile. I contacted their care department XXXX who then transferred me to the executive offices of the care department. XXXX. I spoke with XXXX who was rude, had no time for me or my questions. I indicated One Main is NOT following the Americans with XXXX  Act. and was told " go ahead and good luck '' then proceeded to hang up. I just wanted to ask what other forms of collateral they would accept. I have been discriminated enough because of my XXXX and feel this type is above and beyond discrimination.
Product: Credit card

-- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- CAPITAL ONE has committed securities fraud, CAPITAL ONE has discriminated against me by denying me a right against the XXXX, CAPITAL ONE has willfully and voluntary chosen to report deceptive adverse information on my consumer reputation about an alleged debt owed to arose out of a Finance Charge were All Sums where included and satisfaction was made upon application, CAPITL ONE has charged off a debt and has not returned to me dollar for dollar in the amount of the charged of debt and is in violation under 26 USC 6050P, CAPITAL ONE has charged off a debt INCORECTLY reporting it as a debt owed when under IRS definitions charged off debt is should be reported as income there for reporting false, deceptive and incorrect information on my consumer report against 15 USC 1681e ( b ) and 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681a ( 2 ) ( b ) and 15 USC 1681b and 15 USC 6802-3-4-6-9. CAPITAL ONE has charged of a debt as a business loss for tax benefits and has failed to file and send to me a IRS Form 1099C there for committing tax fraud which will be reported to the IRS via a 3949a and 211 Form. CAPITAL ONE you have caused me massive and immense damage financially and personally and have caused me to be discouraged and lose faith in the banking system. I am tired of dealing with this matter with you and im seeking a resolution between you and I one last time in Good Faith.
Product: Vehicle loan or lease

Loan from XXXX XXXX XXXX XXXX : Loan originated in XXXX of XXXX for approximately {$35000.00} rate of 3 % for 60 months I set up auto payments shortly there after, I included a small amount extra in the payment to be included in the principal to pay the loan off faster. 

I noticed that the extra I was paying was NOT being applied to the principal as I requested. I called on XX/XX/XXXX to try and straighten this out. The reps at XXXX XXXX alleged that they could not apply the extra with out a phone call to implement a manual process. So they were making it intentionally difficult to pay a loan off early? I resigned myself to not being able to fight a large company, and told them to go ahead and apply the extra money I had paid to the principal. I was told this was done and I would receive an email/notice of some sort. 

As far as I can tell nothing happened. No notice, no extra paid down on the loan. I called again today on XX/XX/XXXX with the same issue. I would like to know how I am unable to pay this loan down. I do not understand why the process was difficult it is all simple math and is in no way complicated, unless by design of XXXX XXXX XXXX XXXX. The reps gave me generally the same story that I could not pay any extra principal on the loan without a phone call and manual process. However this was ONLY available to the past 3 months of over payments. I said yes please apply the principal but I insisted on some sort of notice in writing that this was being done. The flat out refused to give me any notification. I got " service numbers '' which mean nothing to me. I would like to see something in writing that my transaction is being processes, and carried out. I have zero way of knowing if XXXX XXXX will keep their word or simply get lost in their bureaucracy. I asked to escalated to someone who could give me some sort of notice. I spoke to " XXXX '' and I was met with refusal. 

( Service numbers provided by XXXX XXXX : XXXX XXXX XXXX ) No one would identify themselves to me, I had no way of knowing who I was talking to or what actions to take next if my money was not being spent according to my wishes. 

I would love to have a conversation with someone knowledgeable on the subject. I also find it unethical that a company can make paying off a loan so difficult for consumers. 

Thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is in addition to the closed complaint XXXX. 

On XX/XX/2023 I was robbed in XXXX AZ. My phone, wallet, and computer were stolen out of my hotel room. In addition to running up my credit cards the thief ( s ) proceeded to hack my phone, send themselves a {$1000.00} XXXX transfer, and wire {$1200.00} and {$5000.00} out on my checking and savings account. The total of the theft was over $ XXXX. 

All of the fraudulent charges have been returned by the financial intuitions except for the {$1200.00} and {$5000.00} wire transfers from my Wells Fargo accounts. Wells is claiming I am responsible for the someone using my user name and password. 

On XX/XX/XXXX, at approximately XXXX I met with a teller at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. She put me on the phone with telephone banking to suspend all accounts and stop all the pending fraudulent transactions. There will be a recording of these calls and video evidence of that phone call. The telephone banker assured me that all my accounts were frozen and they had done all they could at that time to minimize the damage. At XXXX that XXXX  the wire transactions were still pending in my account as I took screen shots to share with XXXX XXXX ( attached ). If Wells Fargo would have proceeded to stop the wires on XX/XX/XXXX at XXXX that they never would have went through.
Product: Debt collection

Collection Notice sent to me from, first : Southwest Credit Systems for an unpaid amount of {$130.00} for XXXX XXXX. Then Southwest sent that to a collection AGENCY called XXXX, XXXX XXXX XXXX, XXXX, FL XXXX reference # XXXX. Amount {$130.00}. XXXX says I do n't owe them any money
Product: Credit reporting or other personal consumer reports

I filed XXXX  that has been XXXX since XX/XX/year> and I have contacted XXXX, Experian since XXXX  and I have disputed this for years and it keeps coming back verified Ive contacted the is XXXX  court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Product: Checking or savings account

I contacted someone from the bank about funds missing from my accounts according to one of the bank 's 'financial tools '. I talked to more than one person on the phone and told them how they could help me solve the problem by checking the 'financial tools ' themselves to see the problem. They claimed they couldn't use 'financial tools ' on their end. They claimed they couldn't help unless I checked every transaction on my own. I told them I couldn't check every transaction on my own because the date range for the transactions was from XX/XX/XXXX to XX/XX/XXXX. They offered no alternatives for help. I want to know what happened to the missing money and how to get it back.
Product: Mortgage

My original loan was with XXXX XXXX which was illegally billing me. I stopped paying because there were numerous discrepancies in the amount being billed. Despite numerous request to have my loan reviewed, the request were ignored and sent to be foreclosed upon. They started a foreclosure which I was never served the summons and complaint or sent the 90 day notice as required by XXXX laws. My loan was later sold to waterfall which has been serviced by Statebridge Company. After the transfer I tried to rectify the problems with Statebridge. Rather, Statebridge continued to harass me to hand over my home rather than work with me to bring the loan current. After the transfer Statebridge continued the illegal billing and added an additional XXXX. On numerous occasions I was told I would not be given a modification and my only option was to turn over my home XXXX. A home which has more than a couple XXXX of dollars in equity. I also communicated with Statebridge about the faulty foreclosure, yet they still tried to obtain a default foreclosure. After I filed I motion to dismiss and several court appearances, the judge reviewed the case and ordered a traverse hearing. Upon the looming of the traverse hearing they discontinued their foreclosure action. 
The foreclosure was also sent to my neighbor which is a violation of federal laws. After communicating with their attorney 's and servicers asking for proof of the amount being billed they have basically ignored my request. Statebridge sent me a letter stating they were not required to answer my qualified written request since I am in foreclosure and their attorney 's have just ignored my request for documents. They have recently ended their foreclosure case and although their order of discontinuance states that the case is discontinuing without cost, I received a statement with additional foreclosure and attorney 's fees. Statebridge, XXXX are in violation of Federal, state and City foreclosure rules. XXXX Statebridge have insisted that I hand over over my house to them for {$3000.00} rather than justify their fees.
Product: Debt collection

I'm XXXX and on Social Security, direct deposited into my bank. In XXXX, I was paying XXXX {$75.00} a month toward BofA debt. In XX/XX/XXXX I asked them to stop because I could not afford to pay. 
On XX/XX/XXXX, XXXX XXXX XXXX served me with a lawsuit representing BofA ( same debt ). XXXX XXXX XXXX tacked on {$690.00} in legal fees and did not deduct what I had paid XXXX I tried to negotiate a settlement with XXXX XXXX XXXX on XX/XX/XXXX and told XXXX with that firm " no ''. They wanted {$120.00} a month and I told them I could not afford to do that and explained that I am a senior on Social Security. 
I hired an attorney ( XXXX XXXX XXXX ) the next day XX/XX/XXXX, on XX/XX/XXXX the attorney received {$150.00} as a retainer. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX took {$120.00} total {$380.00} from my account. My account was paperless, I mistakenly thought the money was going to my attorney as that is what we agreed on. 
On XX/XX/XXXX I realized that XXXX XXXX XXXX was taking the money fraudulently. I notified my bank and my attorney ( who has done nothing to represent me ). XXXX and XXXX may have gotten my account information from XXXX. 
I have filed a police report, and Identify Theft Affidavit. XXXX XXXX XXXX returned {$120.00}, they need to return the remainder of {$250.00}. 
The attorney needs to return the {$150.00} he received. It is obvious that he did not notify XXXX XXXX XXXX he was representing me on XX/XX/XXXX, they should not have been able to take money from my account.
Product: Checking or savings account

Bank of America continues to charge my business and personal savings accounts that have had over {$500.00} for the past few months monthly service fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$170.00} / XX/XX/XXXXXXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX
Product: Student loan

I have for the past six years tried forbearance, deferment and I continue to struggle. This student loan has ruined my credit and made it almost impossible for me to qualify for a mortgage. 

I need financial counseling that will actually help my credit score. 

I look forward to a positive outcome for this ongoing problem. 


Sincerely, Ms. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested hard copy of my credit report by mail XX/XX/23 from Experian no report. I also reported inaccurate account and injury on report that I have no knowledge of.