23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently took out a capitol one venture card. Within 3 day of actually having the card in my possession, capitol one put the card on fraud alert. To resolve the issue they asked me to upload a copy of my social security card and drivers license ( front and back ) to a capitol one 'secure ' portal. The representative I spoke with stated capitol one gladly accepts screen shots, as though my social security card and drivers license are funny text messages I am trying to send to my XXXX XXXX XXXX nephew. I did this and the next day I received a phone call from a capitol one representative starting that if I wanted the fraud hold to be removed so that I could pay the balance on the card, I would have to go into my own personal bank and do something she referred to as a 'verbal verification '. For this verbal verification I went to my personal bank, called capitol one, and let them speak with a representative at my bank on my phone. The bank representative then gave the capitol one representative a phone number to call, at which point they ended the call on my phone and the capitol one agent called the bank representative at the number given to them. They asked the bank to confirm that I had a state authorized drivers license and to confirm that it was in fact me on the state authorized drivers license. I sent them a legitimate copy of my social security card and drivers license to capitol one under the pretense that this would resolve the problem. It eludes me at to why this was n't enough information. But to add insult to injury, the only way that crapitol one will allow me to pay off the balance remaining on the credit card is by giving them the account number to my account at my personal bank. Through all of this, every crapitol XXXX representative I 've spoken with has literally sounded like a character in the movie 'straight out of Compton ' with extremely bad grammar and interpersonal skills. I have very good credit primarily because I am graduate student with virtually no credit. The fact that the company has taken me through the ringer for a card I had for three days is astounding considering my ex felon of a fiance has XXXX capitol one cards with no issues what-so-ever. I truly believed that what happened with capitol one was n't at all for my best interest but rather unnecessary red tape set up to cover their own XXXX. Building credit to live the American dream should NOT be this difficult. I will more than likely give capitol one my account number inform my bank and put a lock on my credit. But the fact that I have to take such measures to assure that capitol one and their wonderful customer service reps do n't truly XXXX me over is discouraging to say the least and goes against all that it beautiful and consumerist in this great nation. Maybe some day when I am PhD drowning in student loan debt curing XXXX to keep the wealthy CEO 's of capitol one forever young, I will be able to laugh at how ridiculous this whole situation was. I hope, however, that swift justice will be delivered to drains on our national economy like capitol one well before any of this ever happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List o f accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXX XXXX  - Account # XXXX, Account name : XXXX - Account # XXXX, Account name : XXXX  XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX 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. 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.

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.
Product: Mortgage

After my divorce in XXXX I purchased a house for approximately {$450000.00}. As a single mom with no child support or alimony, I was soon unable to make my monthly payments. I ultimately deeded the house in lieu of foreclosure to Nationstar during XXXX, XXXX. At that time the mortgage was {$340000.00}. I received a XXXX in XXXX, XXXX for the XXXX tax year indicating that the fair market value of the property was {$360000.00}. The Commonwealth of Massachusetts considers cacelled debt as income. Even though I gave Nationstar my home in exchange for cancelling the mortgaged, I 'm being taxed on {$340000.00} as income, and have to come up with over {$18000.00}. I am a single mom with XXXX kids in college and rent my home. I 've called Nationstar approximately 7 times during the past 3 weeks, and have emailed them. I 've asked them, in accordance with my accountant 's recommendation, to issue a corrected XXXX. They do not respond to my messages. This is an enormous financial burden and causing terrible XXXX for me and my children. I 'm concerned about Nationstar 's apparent disregard for this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$670.00} OPENENED XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX  REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

All addresses on file are incorrect and I have never lived at those places. All collections added to those addresses are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX sent me an invoice around XX/XX/2018, for a total amount of {$420.00}. For the past 4 months I have called XXXX 7 times asking for a detailed invoice showing the charges. So far I have not received the detailed invoice. 
They claim the hospital sent the invoice already, which I never received. 
My credit is now badly damaged, down from over 800 to now XXXX.
Product: Mortgage

I was granted a modification to begin on XXXX with 3 trial payments to be made. I made payments payments in XXXX in which they were said to have been returned for insufficient funds. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX several times a week over the month of XXXX regarding this matter, beginning on XX/XX/XXXX. I sent in EVERYTHING that was available to me from my banks as proof of payment, but was still told that no payment was received, which my bank states that they received it and provided Fay Servicing a copy of the endorsed check, transitional statement and wire transfer document. I was provided with a perm mod agreement and mailed back in, in which Ms XXXX states was received. On Friday XX/XX/XXXX I was told by XXXX XXXX of Fay Servicing LLC that my payment was received and the payment dept tracked the payment and my payment was indeed posted. On XX/XX/XXXX I received a call from Ms XXXX, stating that my payment ( the bank wire ) was received but was returned for insuficient funds. She advised me that my perm mod agreement was received and I was all good and could make my XX/XX/XXXX trial payment anytime during XX/XX/XXXX. She stated that the modification agreement that they offered was rescinded and there is no longer an agreement. She advised me to forward her something from the bank reflecting payment was actual a wire and not a check and she will have it researched with no guarantees that they will be willing to resume modification agreement. She advised me my next step would be lifting the foreclosure hold and proceeding with a foreclosure. I have done ALL of what was asked of me provided everything attempted to make several payments and I keep being told they have been returned for insufficient funds when my most recent payment was a wire from my credit union.
Product: Credit reporting or other personal consumer reports

My XXXX loan was forgiven effective XX/XX/2023. My credit report is still showing a balance due. I'm trying to buy a home and this is increasing my debt to income ratio.
Product: Debt collection

I had a debt of XXXX with transWorld systems for several years now. The debt is in accurate and is not mine but because Im buying a home and you aid to get it removed because it was important that I got it taken off my reports. On XX/XX/2021 I called TransWorld systems and was told I can pay to have the debt deleted by An employee named XXXX. I paid the amount and asked for a letter as well for my proof. She stated that she will mail it and I told her I would rather have it emailed. She stated she could fax it instead. I gave her the fax number and she never sent me my proof needed. It is now XX/XX/XXXX the account has been paid for months now and they still have not removed it from my account. Instead they lowered the balance. It is negatively impacting my process of obtaining a home. Please remove this from my account.
Product: Credit card

I have landed on financial hardship and I reached out to the company to get help with the late fees since the late fees are more than what is owed in the missed payments. They keep sending me emails to reach out to them so they can help me with catching up and get back on track. My minimum payment is {$25.00} and the late fees are {$40.00}. How is it right that I have to pay more on late fees than on my actual missed payments and how can you ask the customer to reach out for assistance then deny the help.
Product: Consumer Loan

I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.
Product: Money transfer, virtual currency, or money service

Paypal is claiming that I have a negative balance in my account of {$79.00}. 
I have tried to resolve this with their online dispute resolution process unsatisfactorily. They are claiming the only way to resolve the negative balance is to pay it. 
However, Paypal can not explain how the negative balance appeared in my account. 
Based upon how I use Paypal ( I use it for security for online purchases and for convenience, and it immediately debits either the XXXX XXXX or the XXXX cards that I have connected to it ), there should not be a negative balance. 
I only use Paypal to make purchases which are immediately charged against linked credit cards ; I do not use Paypal for any other kind of transaction ( for example, I do not sell anything or use Paypal to collect funds for any purposes ). 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX AND XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX - {$780.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I called rpm services willing to pay a debt. Its debt I have no recollection of. I told them Im more than willing to pay the full amount as long as its removed from credit. Im in the middle of purchasing a home. They refused to have it removed. They claimed to have called me over 25 times. I never received any phone calls from them. I had to find out about this collection thru a credit check. I had been trying to get a hold of them about the issue for a whole week. Phone number is XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXXXX/XX/year>
Product: Credit card

In XXXX, my wife fell victim to a scam where two gentlemen, claiming to be collecting money for a murdered child 's funeral, scanned her Apple Card and charged her {$2700.00}, instead of the {$5.00} she agreed to. As soon as she discovered this, we filed a police report, and flagged the transaction for dispute in the Apple XXXX XXXX. Goldman Sachs followed up with a request for further information, and we explained the situation, and forwarded a photo copy of the police report. 

Today, over 2 months after the incident, Goldman Sachs sent us an email stating that the disputed charge will remain, with the claim " based on available information, we determined the merchant charged you for the agreed upon amount. '' I have requested proof of this, but have not received any. 

This is a very different experience from similar incidents I have had with other credit cards, where disputes were resolve within days, not months. As I write this, I have been on hold for an accumulated hour while trying to resolve the issue with their specialists. 

While I understand that this sort of dispute could equally well be a fraudulent client, I would expect better service for someone who has been a customer since the launch of the Apple Card, and who has spent thousands of dollars on a month by month basis over that time. Particularly with a police report on file, it strikes me that the customer should be given the benefit of the doubt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for Equifax to remove numerous items from my consumer report, some have been removed while others have not and Equifax claims that they are " validated ''. I am a victim of the Equifax data breech as well as identity theft victim. I am still battling with Equifax about these accounts XXXX, XXXX XXXX XXXX, and XXXX. I recently submitted my FTC identity report to Equifax and am awaiting results. I am also submitting my proof here as a backup.
Product: Debt collection

unathorized charges, and no knowledge of accounts being open, reported fraudulent to ftc.gov and identity theft.gov, I have not lived in nevada since XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX at XXXX XXXX for XXXX years since XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I did not received such items merchandise or money from said debts and tried to removed it and credit beaureu keeps entering and re opening said debts.
Product: Credit reporting or other personal consumer reports

I have filed complants on EQUIFAX starting XX/XX/XXXX, XXXX and XX/XX/XXXX about not correcting my report They also have my name wrong it should be XXXX not XXXX XXXX I ran my reports today and I still have incorrect information nothing has changed, i have nquiries still on it that should have been removed. collections that are not mine, have not gotten and documents I have requested fromcompanies and equifax still states its veried and accurate whch is a lie. I have said I wanted signed contract from XXXX XXXX, XXXX  I wanted all transcations because i paid them with ACH and was never late they would charge me late fees when paid or say i didnt pay when i did I even sent target a certifed ketter of valadation back many years agao requsting this and sign copy they g it and I still am fighting this. XXXX  XXXX i have the same issue they got my letter and i havent gotten any proof because these arent mine, no signuatures here is the issues im still not seeing being corrected, collections XXXX  XXXX XX/XX/XXXX - {$1900.00} XXXX  XXXX XX/XX/XXXX - {$550.00XXXX XXXX XXXX XXXX XXXX  thi was a secured credit card i paid {$350.00} deposit I cancelled the card they kept the funds I owe them nothing XXXX XXXX XXXX XXXX I never had this account fraud PER THE COMPLAINT THEY REPNDED SAYING THESE WERE DELETED BUT THEY ARENT Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX