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

My Capital One credit card had a Rewards Balance of {$130.00}. This credit card has been in use over 2 years - long term customer. Each month a credit card statement is mailed to my po box XXXX and then a check payment is mailed into Capital One, paid in full. Standard procedure. So I called to redeem my Rewards Balance, electing their option to receive a cash back check in the mail. Suddenly my po box is not a good mailing address to mail the cash back Rewards Check, and they don't believe I am who I say I am ( apparently a fraudulent good samaritan is retrieving my mail and paying my bill each month ). Capital One wants me to email them a copy of my drivers license, which I do not trust for identity theft purposes, as this puts me more at risk. But surprise, surprise, they are able to process an account credit instead, no problem- i.e. Capital One is " steering '' consumers to only doing an account credit. This is my complaint.
Product: Credit card or prepaid card

Barclays XXXX XXXX had a {$200.00} welcome bonus promotion if you spend {$500.00} within 90 Days which I did and have proof on their online account.In small print it stated it will take 4-6 weeks once the bonus was issued, I was issue the bonus on XX/XX/31, it has been 7-8 weeks already, I called several times to speak to a rep about when the bonus would be issue but was always directed away without help ( reps I believe are from XXXX, hard to understand them ) They seem to brush me aside.I have all proof online on my account if needed.I believe this is a fraud activity.
Product: Student loan

I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX ON XXXX/XXXX/XXXX - I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
Product: Debt collection

Prince Parker & Associates did not properly inform me of the debt to be collected. They did not verify the alleged debt. Also, as of XX/XX/2022, they withdrew their bond and application to collect debt in XXXX There is also a rejected filing for the company on the State of XXXX Division of Corporations.
Product: Mortgage

I was being charged more money in interest than the required monthly payment and the interest payments were charged twice a month. I was told this is the way Wells Fargo calculated the interest by the XXXX # I was given. They had to charge on amount of loan cap and not on balance. The way Wells Fargo calculated it was done twice a month. 
I was forced to close the loan and start paying off balance to stop this process. I make several principal payments a month and the loan required payment. 
I am still being charged interest twice a month. Therefore the balance is higher and ongoing interest is higher than it should be. 
This has been emotionally challenging as the payoff is not happening and with the economy rising the burden is increased. 
Extra principal payments should not be subjected to any interest. I feel that this is illegal and Wells Fargo will not accept responsibility or acknowledge responsibility. When interest for the month is paid with the regular payment they have it and I pay an extra principal only payment this should be interest free until time for the next payment. It is marked as principal only. Double interest payments are being collected illegally. Even a home equity loan seems to be a way for the bank to collect extra fees from clients needing to borrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$740.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$32000.00}.
Product: Checking or savings account

Back in XX/XX/XXXX, I electronically deposited a check into my Ally account. Since I was overseas for a several months, my father in law sent a photo of the check to me. I submitted the photo of the check to Ally. 

Initially, Ally deposited the check, but a couple weeks later, they closed my account due to suspicion of fraud. They told me they were going to send the money ( {$1500.00} ) back to the IRS. 

I called the IRS a few months later in XX/XX/XXXX and they said they never received the money from Ally. 

I called IRS a few weeks apart from XX/XX/XXXX to XX/XX/XXXX to figure out next steps. They told me they were going to send me a claims package. Since it was very difficult to get through to the IRS, I decided to call Ally to get more information ( such as tracking number and date they supposedly sent back the money to the IRS ). This was for me to prevent any back and forth with the IRS. 

From XX/XX/XXXX to the present ( XX/XX/XXXX ), I called Ally sometimes days apart to figure out what was going on. I was told that the money was never sent back to the IRS. I was told they do not know where that money is. 

Each time I call Ally, Im told they will send it to their back office and will follow up with me when they have more details. Theres been a few times of them stating this and I have yet to gain any clarity. 

Please help.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CAPITAL ONE BANK USA : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Mortgage

I've been having to file monthly complaints because this is the only was I have access to my monthly statements or any loan related details. When my loan became past due my online portal was restricted so I had no access to anything, this was XXXX years ago. Since then I have not received a single statement or had access to any loan information despite repeated requests for it. The response CFPB received from Fay Servicing to my last complaint states I have full access to statements and all details on my online portal, and the only thing I can't do is make payments. This is simply not true at all, when I log in a XXXX # appears and says due to account status I can't access anything, it's won't even show me my loan #, I simply can't do anything or change any settings at all. When I contact the XXXX # shown and spoke with a Fay representative for the customer portal, his name was " XXXX '' who refused to provide me with his last name stated, that Fay is not able to or will to provide me any of my loan information at all, I was also told the same thing by my single point of contact XXXX XXXX. Both referred me to the law firm representing them in the foreclosure case. I'm currently making on time payments according to the payment plan, and I've spoken to the law firm XXXX and XXXX about this issue, they say they have made several requests of their client Fay Servicing to provide me access to my account, I've also not involved the XXXX XXXX XXXX XXXXn this as well, since during the settlement conference it was agreed by all parties that I should have acces to all of my loan information, this was over XXXX months ago, and I still need to file monthly complaints with the CFPB just to get a copy of the monthly statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of Personal Accounts listened below. opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, charge offs and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I tried to purchase a XXXX from XXXX  and the person kept giving me the run around after I already sent him money and I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XXXX XXXX, XXXX, XXXX XXXX XXXX updated my trade line as current. 
On XXXX XXXX, XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XXXX XXXX, XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XXXX XXXX, XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XXXX XXXX, XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XXXX XXXX, XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX and list of Inquiries 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

This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Vehicle loan or lease

An account for a loan of a vechile was opened fraudulately XXXX my name from a grand view finacial company and now is XXXX my credit report for XXXX owed. Ive never even tried to get a car loan I've always purchased my used vechiles outright with cash. I've disputed this account several times and have gotten no where.
Product: Debt collection

Ability Recovery Services bought my debt from XXXX XXXX XXXX. The original debt was {$150.00} which I paid to XXXX XXXX. Ability Recovery says I still owe them {$100.00} because their collection was for {$250.00}. I called the company to ask what the additional {$100.00} is for and was told that's the full debt amount I owe them. It seems like Ability Recovery is up-charging my debt to make more profit.
Product: Student loan

I requested a refund for payments made during the pandemic freeze, and it has been over XXXX weeks and there is still no information about my request or any movement within the company.
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 15 USC 1681. 

Account name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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

About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.
Product: Credit reporting or other personal consumer reports

Have put a credit freeze on all 3 reporting sites, and have been working with XXXX who stated to file a report with the FTC with taxes and such coming up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.