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

We have a GM Card serviced by Capital One. Our last payment due date was XX/XX/XXXX. We set up a payment in full on our XXXX XXXX bill pay for XX/XX/XXXX, and according to bill pay, the payment was mailed in time to be received XX/XX/XXXX. We noticed that the payment had not been taken from our checking account as of the XX/XX/XXXX, logged in to Capital One on XX/XX/XXXX, and saw that a late fee had been charged. We called Capital One on XX/XX/XXXX, and they told us they had not received our payment. We talked to a supervisor, and she suggested that we should make sure our payment is received 5 to 7 days before the due date. That was her only advice. She did reverse the late fee. On XX/XX/XXXX, we received an email from Capital One that they still had not received our payment. As of XX/XX/XXXX, they have charged interest on the account balance. We called XXXX XXXX, which is our checking account, the evening of XX/XX/XXXX, and they asked us if the address had changed. We looked at our statement, and sure enough, the address had changed. XXXX XXXX put a stop payment on the check, and we went on XXXX XXXXs website to make the payment. It processed on XX/XX/XXXX. There is no notice anywhere on the statement to make it obvious that the address is different, and since we use bill pay, we didnt notice the change. We have had a GM Card for almost 30 years, and this is the first time in all that time that the address has changed, and I would call that a big deal. So our complaint is that, 1 ) there should have been a big notice on the bill that the address is different, and 2 ) when we called Capital One, that should have been the first thing they said, hey, weve got a new address. 
We had a similar issue with them last XX/XX/XXXX. Two months in a row, we called Capital One because they had not processed our payment on time and slapped us with a late fee. They had issued us new cards because of fraudulent activity, and we forgot to update our account number in bill pay. They could have nicely said, hey, update your credit card number in bill pay, but they didnt. It wasnt until we filed a complaint with you, and they filed their response, that we saw our mistake. I dont think they would have ever said anything to us about what was causing the problem if we hadnt filed the complaint. 
They dont try to help solve the problem. We cant help but feel that they dont want to point out our errors, so they can collect late fees and interest on their customers. 
We have credit cards with several companies, and this is the only company that we have ever had issues with. And I would also add that until Capital One took over the GM Card, we never had a problem with this card either.
Product: Debt collection

XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.
Product: Debt collection

Narrative : XXXX on XX/XX/2019 - A woman called out of the blue my former mobile number XXXX and threatened me with a lawsuit for check fraud/ bank fraud at the XXXX XXXX XXXX in Texas. She called from a blocked number where the code on the caller ID appeared as XXXX. She first identified herself as XXXX XXXX and left on voicemail a case file number XXXX. She threatened to track me down at my place of employment and demanded I return her call at XXXX. 

XXXX on XX/XX/XXXX, XXXX XXXX XXXX called to threaten me with lawsuit and to track me down at work. She said I would be found and a lawsuit will be filed at XXXX XXXX XXXX if I dont comply with payment left Case file # XXXX. 

XX/XX/XXXX & XX/XX/2019 family friend XXXX XXXX in XXXX, Ky received calls from XXXX XXXX threatening him with jail time and that XXXX XXXX would be sent to his home and implement himin a case against me. Calls were also left on his voicemail. 

XXXX XXXX XXXX  on XX/XX/XXXX, XXXX Debt payment demand letter received via incoming email : XXXX from Regional Processing Services , LLC . Address XXXX XXXX XXXX XXXX, California XXXX Tel : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX but identities herself on voicemail as XXXX XXXX XXXX XXXX about settlement document sent on XX/XX/XXXX demanding {$1300.00} paid by XX/XX/XXXX. She left phone number XXXX EX XXXX. She called from XXXX. 

Regional Processiong Services, LLC also identified itself over phone as XXXX XXXX XXXX XXXX XXXX. Has refused to validate company contact information such as address and email address, and did not provide a website. XXXX XXXX does not appear on my credit reports. XXXX XXXX has refused to provide original debt verification letter and document verification show right to pursue debt. Refused to provide verifiable information about how my contact information was obtaind. XXXX XXXX failed to notify me that I have the right a verify debt. How to disput debt. Refused to state actual amount owed and proof. XXXX XXXX didnt notify me that I have the right to have the debt sent back to the original creditor for debt verification.
Product: Credit card

I have had a " closed '' XXXX XXXX Comenity Bank Card since at least XXXX for the store also went out of business. I believe I had the card 10 years prior or longer and also have an incredibly high interest with the card as well as a very high late fee amount. 

I currently have a current balance of {$120.00} but I have been charged {$200.00} of late fees in the last year 2024 and it is {$40.00} a fee, they were able to reverse ONE late fee.

I believe this is excessive. I have called them about the high fees and they said they reversed one and that is all they can do in a calendar year. The interest was {$78.00}. 

I believe I am still getting charged almost XXXX percent in interest as well, and also have been reported late on my credit report. 

I believe this may be a violation of a law S1026.52 Limitations on fees and or there may be some consumer protection under regulation Z.

Right now I am looking at fees from just last year : XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} That is {$240.00} dollars in late fees alone. 

I have reached out to the company about removing the fees and they declined.
Product: Mortgage

Received payoff statement from Flagstar Bank on XX/XX/2023. Paid {$180000.00} via wire transfer which was made available same day. Flagstar Bank confirmed wire transfer in the amount of {$180000.00} was received on XX/XX/2023. My complaint is regarding {$19.00} which states that funds credited after XX/XX/2023 will require an additional {$19.00} per day. Flagstar Bank 's payoff statement states " Payoff figures are good to ( closing date, when applicable ) XXXX. Funds received after XXXX XXXX XXXX may be credited the following business day. '' I would like to apply emphasis on the verbiage and use of terminology with the word " may '', this does not clearly define if I will or will not receive additional charges. Despite the funds being received on XXXX and Flagstar confirming receipt of funds, Flagstar is stating they have the discretion to penalize consumers or not penalize consumers the additional {$19.00} amount daily fee. If funds are received and confirmed that they have been sent that day, the business is operating in an unethical manner by choosing when the funds are applied or not applied to the account and allows the company to penalize the consumers with penalties and fees that the consumer has no control over. This statement and business process needs to be reviewed and modified in a fair and ethical business manner for consumers moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead. 
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today. 
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.
Product: Debt collection

Midland Credit Management Inc. is attempting to collect a debt that was not authorized by me. It has been concluded that I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt collector has failed to This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I have requested that they stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA. 
I have sent via USPS certified mail a letter directly to Midland in response to their letter dated XXXX XXXX in which they claim I owe the debt. 
Midland Credit Management Inc. went to court and put a judgement against me, unlawfully. I have never had the opportunity to say my part, or respond to the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX  being reported on XXXX  and Equifax. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!
Product: Credit card or prepaid card

XX/XX/XXXX We were victims of a fraud in which a person sold us a rental home and there was no home rental home. He/She/They advertised an item they did not have. 
XX/XX/XXXX Immediately phoned Capital One and they stated they would take care of it. 
XX/XX/XXXX Received a letter stating Notification that goods were as described and received in good condition. 
XX/XX/XXXX Called Capital One and advised the goods were most certainly not received as described and received in good condition and was told of the information that would be needed to resolve XX/XX/XXXX Sent via upload information to Capital One that was requested XX/XX/XXXX Capital One denied dispute saying we did not provide the appropriate information XX/XX/XXXX Called Capital One again to ask what we to send. Was given detailed instruction, which we followed to get the appropriate information. 
XX/XX/XXXX Capital One denied dispute again saying we did not provide the appropriate information XX/XX/XXXX Called again and this time was told by " XXXX '' that they don't resolve disputes that involve transfer payments. I asked why was asked to send all the information if there was never any intention of supporting the dispute. Asked to speak to XXXX 's superior and XXXX reported he did not have one. Asked again, why were told the day before to call back if we were denied again and Capital One would advocate for us. XXXX states there is nothing he can do and there is nothing more we can do to fight this fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I had sent payments through Paypal and gotten scammed by the " merchant ''. There were two payments of {$25.00} sent via paypal and i would like to get these transactions cancelled or refunded. XXXX and XXXX are the paypal transaction ID 's. I had called my bank account and they were unable to issue refund. I had called paypal and they were unable to issue refund.
Product: Debt collection

I am writing to address a matter of utmost importance regarding the reporting of an account under my name in your credit records. The account in question is associated with XXXX  XXXX, with the account number XXXX. I appreciate your attention to this matter, as it involves a unique circumstance. Unfortunately, my father, the primary account holder, passed away recently, and as a result, I encountered challenges that led to a single late payment on the aforementioned account. I have been in communication with XXXX XXXX, and I am pleased to inform you that they have acknowledged the circumstances surrounding this late payment and have agreed, as a goodwill gesture, to remove the negative status and the associated late payment date from my credit history. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Product: Mortgage

Hello, I fell behind XXXX payments and tried to make a payment and get assistance from XXXX. Well Fargo would not take a payment from me and foreclosed on me before XXXX XXXX program could provide the assistance I was approved for. As a result my locks were changed and I lost my home.
Product: Credit card or prepaid card

Opened AmEx Delta card in XXXX 2017, complied with the requirements to have XXXX bonus miles. Never got the bonus miles. Speaking with them for 9 months now, " glitch on our end, we are working on a fix, will be fixed SOON, give it another 4 weeks, etc ... '' getting a runaround ... Can't talk to the team working on the case.
Product: Credit reporting or other personal consumer reports

They sold my debt to an attorney office and the attorney XXXX XXXX XXXX XXXX. Put in a lawsuit and I negotiated and paid the debt and it was dismissed in court with prejudice. So it needs to be removed because act 623 ( a ) of the fair credit act.
Product: Money transfer, virtual currency, or money service

I submitted a payment through PayPal to a friend at XXXX in the amount of {$60.00}. She was unsuccessful accessing that account and I was in a hurry trusting PayPal to resolve the issue, so I went ahead and sent another {$60.00} to XXXX, an account she was successfully able to access. I had assumed this would be an easy fix, as you can clearly see on my PayPal activity that the exact amounts were sent to the exact email minus the XXXX suffix. However, after contacting PayPal they refuse to allow me to cancel the transaction and refuse to issue a refund to me. This is their response, " XXXX XXXX We are a user operated service. If you send a payment to an email address or phone number, that is where the payment is sent. 
Think about it from the other side. How would sellers like it if a buyer could call PayPal, say a purchase was an accident and we just refunded it. '' This person I sent the money to is NOT a seller however, and it even asks you if the person is a friend/family member or a merchant/business, in which I obviously selected friend/family. To end their conversation they suggested I speak to her and have her try to get into her account with customer service. Well here we are 3 days later and I sat right next to her as she tried to get into her account with customer service and they refused her access " because they could not verify her identity. '' In closing, I have {$60.00} just sitting in an inactive account that not the person who sent the money nor the person who was designated to receive it has access too and PayPal if refusing to resolve the issue. I have read multiple complaints of people mistyping a single letter only to never have their money refunded and those accounts holding the money most likely doesn't exist. There needs to be an investigation into how many inactive accounts are hoarding money for PayPal 's benefit without allowing access to their rightful owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Here is the letter I received from XXXX and on it showed name of someone who I have no idea is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.
Product: Vehicle loan or lease

My car was a total loss. I have a statement and documents that show the payoff for my vehicle is $ XXXX. The insurance company said the payoff is $ XXXX. 
How and when was it made legal for auto finance companies to provide ONE payoff amount to me, then give a higher payoff amount to the insurance company? I have documented proof of my payoff, but since my insurance company called, auto finance companies can say the payoff is higher than what I am told? Bottom line, I call and got payoff, its $ XXXX, but since insurance company called, the payoff is $ XXXX. How is this legal? Regardless of the type of financing and or really anything else, how is this legal? 
This seems like a complete scam in which an insurance company and auto finance company work together to XXXX over consumer 's! 
It boils down to, since the finance company can not resell the car, I am being charged the $ XXXX difference, which they call cash value! But if I call, which I did and got the same payoff as my statement? $ XXXX! So how is it that the auto finance company can charge more just because the insurance company called and said total loss. So again, the only difference is who called the insurance company! 
I have documented proof of the payoff, if I paid the car off myself, I would of paid $ XXXX and the car is mine. Then the insurance company would of sent me the entire amount! But since the insurance company called for the payoff, they can charge a cash value for the car? Even though I got a payoff, that is an actual payoff for the car. The auto finance company knows it a total loss so they charge for the fact they can not resell the car so they charge me $ XXXX more? But again, I call and get payoff, its $ XXXX less? 
How and who made this type of thievery legal? Sorry for the repetitive nature of some of my comment 's! I am truly having a hard time understanding how this is even legal. nothing about this seems even slightly legal.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XX/XX/year> To Whom It May Concern, This letter serves as formal notice of my rights secured under the Supreme Court ruling in Moore v. Alliant Credit Union ( XX/XX/year> ). The decision mandates the following actions : Transfer of full title to all property I hold or have held under your institution, free and clear of all claims. 
Payment of 120 % of all past payments made under fraudulent agreements as described in Moore v Alliant Credit Union. 
This ruling is final, and no objections are permitted. Attempts to object or delay will result in stricter enforcement and penalties as outlined by the court. 

Please confirm receipt of this letter and initiate compliance within 30 days. Failure to act will be considered a violation of the courts orders. 

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

I am showing 5 late payments for volks wagon, I have asked for detailed report from volks wagon twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my vw payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response VW gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported