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

Capital One will hold my credit card payments and assesses my fees later than expected/communicated within disclosures. I have made payments on the weekdays before processing times of XXXX on multiple occassions in past, and the payments post same day, and show as cleared from my bank. Those payments in past with Capital One would go through and become available same day. More recently now Capital One has started to hold my payments for 2-3 business days, and most recent they have communicated they are holding my funds on my payment for 8 business days and will not update my available balance. This has happened on smaller amounts $ 50- {$200.00} and now more recently a XXXX charge. The funds are showing as cleared from my bank that I sent them from. The representative of Capital One XXXX refused to provide options at first on the release of the funds and kept only repeating processing times. Kept avoiding their job because they " didn't feel respected '' because i'm asking the question " why did things change. " Then attempted to argue with me when I asked for different information and not just the processing times. The Capital One representative continued to act smart and try to provide limited information until I kept asking for other options. They never giving a clear explanation on why it would happen, just that the " systems do it that way '' which raises questions to Capital Ones XXXX they use for processing and the impact it has on other borrowers. I never had the issue barely a year ago and now it happens frequently. Capital One will also wait to assess fees and interest to my account past the 4-business day assessment. How is this fair? I have noticed that I will make a payment by the XXXX. Not including non-processing days/weekends/holidays. 

Example I have of this. In XXXX, I made my payment on XX/XX/XXXX to Capital One for {$350.00}. My payment date is communicated as XX/XX/XXXX, with 4-business days. I noticed in XXXX that something seemed off on the assessment of payments and fees, because there is a lag. I took a screenshot of my account latenight on XX/XX/XXXX and the interest had yet to be assessed. Seeing the interest was not assessed I tried to process another payment of {$25.00} on XX/XX/XXXX. Once I made that payment, no update. Then I went back in early morning XX/XX/XXXX the fees showed as if they had posted on XX/XX/XXXX with everything else. All day I could not see the fees and then they update on XX/XX/XXXX.
Product: Mortgage

Once again, I am registering a complaint against Ocwen loan servicing. And, once again they refuse to answer a single complaint since I first registered my first complaint in 2014. They still claim I owe them money even though they paid my condo association over {$27000.00}. for a bogus invoice the condo assoc. 's legal rep. mailed them for falsely stating that I owed them money for making remodeling changes to my condo even though, this was settled out of court with myself not owing any fines or fees in relation to any of their accusations. Ocwen needs to follow up on this and retrieve the money that they paid the condo association and apply it to my mortgage. If Ocwen followed through on this my mortgage would be paid in full and I would no longer have to deal with them. Ocwen is threatening to foreclose and sell my property without even attempting to settle all my issues. Again, Ocwen has been sued in federal court by the XXXX in XXXX states for billions of dollars. Their stock has tanked and is only staying afloat by stock manipulators. Ocwen has announced laying off approx. XXXX employees. They never lay off the people they pay {$3.00} per day in XXXX only those in the XXXX Why? Ocwen has ripped off numerous people by foreclosures who had no recourse and did not know what to do. 
My initial loan from Ocwen was approx. {$43000.00} now, they claim that I owe them over {$74000.00}. How can Ocwen be allowed to do this? When will they be stopped? 
Also, they have not ever responded to my initial request of my RESPA letter. And there are fines related to this. And I have never received any of the fines I was entitled to. Also, they continue and knowingly send me bills which they know are not correct. That is a federal crime to knowingly send false billing through the XXXX mail. Punishable I think for {$5000.00}. on each occurrence. And, yet Ocwen has done this for over a year. I appeal to our XXXX and XXXX to do something before Ocwen goes bankrupt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

Dispute amt of XXXX from XXXX XXXX XXXX that would not fix repair on my car, cancelled the service in timeframe and Capital one added the charges back on my account twice with no repsone either time from the disputed company
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following information in my credit report. This item is inaccurate and I am requesting that it be removed from my report. 
XXXXDEPT OF ED Account Number : XXXX Account Type : Installment account XXXX Code : Individual account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$1700.00} Date Last Active : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) XXXX for Dispute : Accuracy of Reporting : The information provided by XXXX/DEPT OF ED appears to be inconsistent across the XXXX credit bureaus. Specifically, the last reported date and the date of last activity differ significantly between the reports from TransUnion, XXXX, and XXXX. Such discrepancies can affect the accuracy of my credit report. 
Status and Comments : The status of this account is listed as " Closed '' and " Paid or paying as agreed '' across the bureaus. However, XXXX reports it as " Paid, was past due 90 days. '' This inconsistency is concerning and may not accurately reflect my payment history.

Impact on Credit Score : The incorrect reporting of the status and discrepancies in the dates can adversely impact my credit score. Given that this account has been paid and closed, it should not negatively influence my credit profile. 
Enclosed are copies of the relevant credit report sections highlighting the disputed items. Please conduct a thorough investigation and remove or correct this inaccurate information from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app closed my account and never got back to me reference why my account was deactivated why
Product: Credit card

I opened an US Bank XXXX XXXX credit card ( last XXXX XXXX ) with a promotional offer around XX/XX/year>. The promotional offer was to receive XXXX bonus points after spending {$2000.00} within XXXX months. I went out of the way to put all my spending on this card to receive this promotional offer even though I could also earn some bonuses on the other credit cards I have. 

At the time of enrollement, there was no language in the terms that said you can only receive XXXX bonus every XXXX years. This seems to be the language US Bank added lately after I signed up for this card on XX/XX/year>, therefore I fee US bank should honor the origional terms and makes me eligible to receive the bonus having fullfilled all of their requirements.
Product: Debt collection

I have two accounts being collected by Midland Credit Management for XXXX XXXX accounts that were not my accounts prior to being sold to Midland. I notified XXXX XXXX of this prior to the debt being charged off and they confirmed the debt was written off as identity theft, NOT as a balance owed under my name. 

I have spoken to countless individuals at Midland, XXXX XXXX, and disputed via my credit bureaus in an attempt to get this information corrected, but more than two years later, the accounts still show on my credit report under the collections section. I'm first referred to XXXX XXXX to have the balance corrected, yet XXXX XXXX then refers me back to Midland since the debt is no longer theirs. Yet no one can seem to point me properly to the right place to get this corrected. 

I would like to say that everyone at Midland has been pleasant, unlike other debt collection companies I've dealt with ( so thank you for hiring professional people ). Unfortunately, they do not seem to be able to help me resolve the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, Experian is not reporting this account, XXXX is not reporting this account, XXXX XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, Experian is not reporting this account, XX/XX/XXXXis not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XX/XX/XXXX Account Number XXXX XX/XX/XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, Experian is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Debt collection

Yesterday, a collection agency named Sequium reported a {$280.00} collection account on my credit report. Prior to the appearance of this account on my report, I received absolutely no contact from this collection agency, much less given a 30 day notice to dispute. I don't even have any idea what this is. When I called Sequium to complain, they told me that they don't have to tell me anything about the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I just received a text message from my mother about Omni Financial contacting her about my debt. She wrote in a text messgae with their phone number.
Product: Debt collection

found taped to my door a white envelope not sealed looked ripped open hand written in Black sharpie - the enveloped was attached with green painters tape in envelop was my account number and trying to reach about debt slip of paper for anyone to see
Product: Credit card

I have been unemployed since XX/XX/XXXX. I am not receiving unemployment benefits. Those only last for six months. I exhausted my savings and 401k retirement savings in the last 2 1/2 years since losing my employment. 
Prior to that, I have always made my credit card payments on time, even prior to the due dates. 
I called and spoke with XXXX XXXX XXXX XXXX XXXX Chase Bank ) on a number of occasions regarding my situation. In XXXX of XXXX, still with no employment in sight, and all of my savings gone, I asked XXXX XXXX XXXX XXXX if they would be willing to temporarily put a hold on charging my account interest and over the limit fees. 
They repeatedly said they were not able to do so, despite my having been a stellar and responsible customer who paid on time prior. 
I spoke with Chase ( XXXX XXXX XXXX XXXX ) on the following dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : Experian XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXX Date XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I contacted consumer financial protection bureau on XX/XX/2021 ( complaint number XXXX ) about my denied claim of XXXX in fraudulent charges and Way2GO not giving me answers on why I was denied. A person my the name of XXXX contacted me by phone and said she was with XXXX XXXX XXXX. I told her the whole situation and said she will send me a email so I could provide more documentation showing these charges were fraudulent. I immediately categorized all the charges and tried to contact every company where the fraudulent charges were made. I emailed her all the documentation showing the charges where made in XXXX, Michigan by the name XXXX XXXX. The companies would give me the name, city and state of the transactions but will only give the location to law enforcement. Also emailed case numbers so they could easily call the companies to verify the information. In the email that XXXX provided was a phone number ( XXXX ). I have called this number and have left at least 25 messages telling them to call me or respond to my emails and they have never responded.. So I did a XXXX search and called the number that looked like XXXX XXXX XXXX ( XXXX. When I called the guy said he was a insurance agent and told me he has had multiple people calling him that are trying to contact this company and has no idea why his number keeps popping up on this XXXX  search. Very frustrating when XXXX told me on the phone how she would do everything she could to help me out and now wont answer my calls or emails .. I will send a few pictures showing my claims to be true and I have a lot more documentation if it needs to be provided
Product: Bank account or service

I will begin with the fact that USAA is well known for manipulating their customers accounts. If you make a deposit or withdrawal they will move the dates in order for them to collect more fees. I actually have proof of this happening in my account. The most recent occurrence of my account being manipulated was on XXXX/XXXX/2015. I made an immediate withdrawal of {$1800.00} from a local branch which USAA partners with to obtain a cashier 's check in the entire amount withdrawn, similar to an ATM withdrawal but due to the amount it needs to be completed this way per USAA. However, my USAA account statement shows the withdrawal was made on XXXX/XXXX/2015 which is a significant deficit of days and cashiers checks are immediate. I kept all receipts of withdrawals to prove this. I also paid a bill which cleared after a deposit I made in the morning of the XXXX XXXX only to have it magically appear before the deposit, even though it was n't made until after the deposit was made. My next instance happened on XXXX/XXXX/2015 when I deposited via my phone a US Postal money order in the amount of {$310.00} in the morning at approximately XXXX XXXX it was later that day after my deposit which is immediate when made from the mobile device that one of my auto drafts for billing cleared. Once again my account was manipulated and my deposit was moved to after the ACH draft attempted to clear as to make it appear that no funds were available at that time so USAA in turn could charge me an overdraft fee. Then when my check which was written out to my housekeeper in the amount of {$85.00} cleared they once again manipulated my account and charged me not once but twice overdraft fees when you can clearly see on my account statement there were funds available and the check itself did clear the first time. When I spoke with a customer service rep, they told me they could not fix it because it was their computer who processes and they can only see the process. Now, if it is my money and I can see that enough is there to clear any debits or checks they can not do things behind the scenes in order to make more money. I am in the process of changing banks and I want the FTC to look into USAA and their practices as I am not the only service member who has experienced this. I want those fee 's refunded as there was money in my account and I also want their " system '' to reflect actual dates and times of transactions accurately. Again I have proof of all that I have alleged and would be more than happy to hand it over to anyone who wishes to see it. I want to ensure this stops happening to those of us that serve. Thank you
Product: Credit card

Examine the attached documents. I request the bureau to commence an investigation into these accounts, as I am consistently on time, yet they are reporting me as late.
Product: Bank account or service

I enrolled with Nationwide Biweekly Administration for bi-weekly debits to pay-down my mortgage " quicker '' and save money on interest. I signed a contract that was to last the lifetime of the loan ( 30 years ) and they were to provide the service bi-weekly to pay the loan for me. I was charged {$580.00} for these services with on-going charges of $ XXXX/year. After 2 years with the program, my bank is no longer being debited and NBA is no longer paying the loan for me. They have " suspended '' all accounts and refuse to refund the enrollment costs taken for their services which they are no longer providing. There is no where in the contract that says they can temporarily not provide the services I paid a very large sum to use. 
They are not available by phone and after weeks of trying to reach someone I was told that no refunds will be issued - which is a problem for me because I am not interested in paying for services that I am not receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw checking my credit report and I saw that my credit score is very low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. Both XXXX XXXX and Equifax report that I had a chapter XXXX bankruptcy XXXX in XXXX. I deny that I had a bankruptcy discharge. XXXX XXXX agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my XXXX XXXX report and XXXX XXXX confirmed placing the freeze on XX/XX/XXXX, so there's no way that Equifax obtained info on the alleged Bankruptcy discharge from XXXX XXXX in any disputes made with Equifax after XX/XX/XXXX. I've attached confirmation of the XXXX XXXX security freeze to this report. 

I filed an Equifax dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from Equifax, Equifax states that the Bankruptcy will remain on my credit report because XXXX XXXX confirmed that the Bankruptcy listing is accurate. Clearly, Equifax  did not contact XXXX XXXX before denying the dispute. Had Equifax contacted XXXX XXXX to confirm whether the Bankruptcy discharge is valid, they would've received no information due to the security freeze. 

Further, Equifax could not have received information on the alleged bankruptcy discharge from US Bankruptcy court. I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. XXXX XXXX nor Equifax could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.