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

I would like to file a complaint with the CFPB and add documentation of contracts, commitments, and guarantees I would like to make available against Capital One Bank. The Bank shows recorded on my credit card a single charge of {$7000.00}. I filed my complaint with the Bank XX/XX/2018. My complaint about entry to my statement to the Bank was recorded on XX/XX/2018. The charge recorded as XXXX   XXXX. A five hundred forty day period of time is allowable to back charge the merchant. Banks sometimes claim the can only back charge the merchant for a short amount of time set by bank policy and that policy may be 30 days or sixty days. According to my calculations I am within the time allowable of five hundred forty days. I made my own calculations on my computer and find considering Sundays  seventy seven in number and Holidays up to sixteen days. I have other banks who can back charge merchants and satisfy me to completeness but why can't this Bank? I hear a lot about Consumer Protection but how does this Bank work for me according to Consumer Protection I would like to know. What proof or evidence can this Bank supply me? What means did this Bank use to contact the merchant? What was their response? Did you contact them within the time allowed? How fast did you respond to my complaint? How many times did you try?
Product: Debt collection

My name is XXXX XXXX. Conrad Credit Corporation does not stop calling me. I have asked them in writing to stop yet they call me anyways. Its to my understanding that when you ask a debt collector to stop calling and to communicate in writing only that they are supposed to stopthey havent. I am very upset because they called me at work and I told them I cant take calls at work and I got into trouble by my employer whom I am up for review on a promotionthat does not look like its happening anymore thanks to the unwanted calls at work that got me into trouble. 

I have asked them to also provide information about the alleged debt yet they still call and they still are reporting negative information on my Credit Report. I understand they can not continue to attempt to collect ( or call ) yet they do this anyways. 

I dont know why I must spend so many countless hours trying to resolve this matter its causing me a lot of XXXX.
Product: Mortgage

Do to my family being financially/ medically negatively impacted do to Covid-19 We requested a forbearance on XX/XX/XXXX. We were told are forbearance would end XX/XX/XXXX. We have called and ask if we can extend our forbearance out since our loan is XXXX  XXXX. We are told XXXX XXXX never noticed our Mortgage company that we are eligible for an additional two 90 day extensions totaling 18 month forbearance. 
Our mortgage company is telling us that's not true and is not extending our forbearance. 
We have emailed our point of contact and no one has returned our emails. We have called and we have been told to call back XX/XX/XXXX. We are afraid to wait to have our forbearance extended to close to the end date. We requested our current behind payments be deferred when our forbearance ihas ended regardless when it ends. We were told a deferment was not an option on our account. We needed to pay whats past do in full, apply for a repayment program were our only options! 
We are asking for our account to be evaluated for any additional qualified forbearance terms and asking that our behind payments be deferred. 

Thank you XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized credit inquiries and asked that they be looked into for accuracy. These Inquiries remain on my credit report. These were not obtained with my consent. Please reinvestigate and delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I continue to submit principal only payments on a monthly basis directed from my bank. These include my account number and " principal only '' in the memo. Caliber continues to fail to post these payments upon receipt. I have to call their customer service month after month to direct them to do the right thing. They are purposely attempting to collect more interest on this loan by not living up to their fiduciary duty.
Product: Money transfer, virtual currency, or money service

There has been plenty of times where my money would be in my account and just disappear, I had almost {$6000.00} in my account and I woke up the next day with nothing In my account. I tried calling emailing and they would also send me to the AI chat and that didnt get me very far! Also refunds from XXXXXXXX XXXX XXXXXXXX of products bought XXXX time and I still couldnt get any help that really put me and my family in a hole and I had nothing for my children.
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the company associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

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

I filed disputes with the 3 major credit bureaus XXXX, Transunion and XXXX. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX  that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation
Product: Credit reporting or other personal consumer reports

I received an email from my paid credit monitor service that a bankruptcy was reported on all 3 credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to Equifax, XXXX and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any 3rd parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job.

This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report # XXXX is reporting the following 24 addresses fraudulent. 
1. address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, 5.address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, the underwriting bank disclosed fees to me that were not previously mentioned by RenoFi. Then RenoFi, only upon my persistence stated in email their origination fees would be 2 % of the loan cost. This is after the lender pushed me to increase my loan amount. I then sent them an email showing they advertise that the fees would not exceed 1 % of the loan cost and they replied with Not sure why it says that but unfortunately, we can not. 2 % is our origination fee for our Renofi HELOC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Navient customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from Navient about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called Navient repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. Navient had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through Navient and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with XXXX to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. XXXX is happy to remove the delinquent payment request as it was not my fault however they are waiting for Navient to contact them and I have tried to contact Navient but feel I am stuck exactly where Navient wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
Product: Checking or savings account

I was a 3 year member of USAA bank as a military spouse for my XXXX husband. I use my account for simple, basic accounting purposes including receiving my social security check and basic purchases at local food stores and shopping centers such as XXXX My card was declined for the first time on XX/XX/2021. When I called USAA 's customer support service line I was informed my savings account was closed and a check was being sent to me, my checking account was restricted to credit only and was in the process of being closed and this was due to bank manager discretion with no reason available and no available contact for the personnel responsible. I tried numerous customer support lines, none to help. I had two bills due on XX/XX/2021 that auto draft out of the checking account that were now unable to pay. I received no explanation for the sudden cancellation of my policy. This has created tremendous negative downstream effects and is subjectively discriminatory with no explanation given. I am now unable to receive my monthly social security check despite me immediately trying to resolve this issue and obtain a new checking account.
Product: Student loan

When my loan was transferred from XXXX XXXX is was unclear how my payment was being allocated. I was also misinformed about payments of deadlines and critical deadlines. This continued for many months and misapplied payments.
Product: Credit reporting or other personal consumer reports

The Following accounts XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX have been deleted from XXXX BUT are still reporting on EXPERIAN and XXXX credit reports inaccurately. The law says every Credit Bureau must report complete and accurate data on my credit report.
Product: Credit card

Hello American Express Agents, As uploaded is the court documents. This will be going to Court on the XX/XX/XXXX. I implore you to wait on the dispute until the Judge has made a decision on this matter. Ive provided ample if not a exceedingly large list of why these are fraudulent charges. I find it quite amazing that you are still holding out. To highlight the facts : We had a verbal agreement that I would be charged {$5000.00} for the operation, they took my personal belonging including my credit card. 
They would not give me a fit to fly letter unless I had the XXXX ( which after speaking to council was illegal ) They charged my credit card 3 times ( which is weird, with 3 very different signatures ) at the hospital without me knowing I had to have a second XXXX here in the US to fix the work they did in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with the supporting equipment where the crutches broke in the airport The largest point of Fraud is that they charged my Insurance Company for the XXXX and actually had it at a different cost then they charged my Amex. This is such a damning piece of information that I am not sure why they are not seeing the discrepancies and the fact they got additional money for free. 

The fact they can charge me 3 times without my consent, we had a verbal agreement, I had to have the XXXX re-done and the doctor even said they used things they shouldnt have and you are saying this isnt fraud. I dont know what is. 
I am not sure if you can provide counter evidence to each fact that I outlined or you are just saying. We dont think its fraud, therefore too bad. Regardless this will all be presented infront of a judge on XX/XX/XXXX at XXXX for judgement. 

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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> I filed a dispute from the Experian app, XX/XX/year> I sent a letter out to Experian About XXXX XXXX XXXX on my credit report. Experian did not properly investigate my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA. 

A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 
I request that these debts are removed immediately as they do not belong to me. 

I contacted the credit bureau and there was no validation provided XXXX from Equifax, XXXX XXXX, 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
==
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc. ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting the reporting agency have violated 15 US Code 1681b As a consumer, I never gave the reporting agency written consent to report anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported multiple times to all XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX ) that XXXX  Account # XXXX has me late 60 days Feb 2021, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Product: Credit reporting or other personal consumer reports

" LVNV Funding LLC '' nor gave my written consent. This company is NOT LICENSED to collect in my state. This company is in violation of not just my privacy rights as a consumer but multiple federal laws including FCCPA, FCRA and FDCPA. As per FTC guidelines reporting this account in my consumer credit report is a collection activity. therefore, you are in violation under 18 U.S. Code 894- Collection of extensions of credit Under ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation. Cease and desist, delete this account immediately. 

Cease and Desist Communication is not just for traditional phone calls, text messaging or email. the reporting of this alleged account on my consumer credit report is a form of written communication as it is also a collection activity according to FTC guidelines. 

The original creditor marked this alleged account as charged off - loss or written off, your are in violation of Under 15 U.S. Code 1692j - Furnishing certain deceptive form. 

I also want to inform you that if there are any negative marks on my credit reports from your company or any company you represent, and it is for a debt I do not owe, it is against the law. The Fair Debt Collection Practices Act states that you must ask the credit reporting agencies to remove such entries if you can not validate the debt. - you are in violation Under 18 U.S. Code 894- Collection of extensions of credit by extortionate means :