23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I have 3 unauthorized hard pulls on my Transunion credit report. They are XXXX XXXX XXXX (XX/XX/2024, XX/XX/2024 ), and XXXX XXXX XXXX.
Product: Vehicle loan or lease

They refuse to provide full transparency and disclosure to me, the agent, for the principal. As the beneficiary and as XXXX, I gave a notice of subrogation and a cease to desist, deeming the contract to be fraudulently and void. I expressed how I was an XXXX and incompetent at the time of signing, under duress, coercion and forced into a fraudulent secondary contract. Demanding that all credits and payments made by the surety to be returned immediately by way of lawful funds. They have breached peach, unlawfully stole my assets and cause several injuries unto my estate. XXXX will always prevail. No man can serve XXXX masters.
Product: Credit card or prepaid card

In XX/XX/XXXX I received my statement from XXXX XXXX stating that they didn't receive my XXXX 's payment of {$82.00}. I immediately called and the XXXX representative said that because I was a good customer and had never been late, that she would waive the interest and late fee. The outstanding balance was immediately paid. Then in XX/XX/XXXX I received my statement and I was given a credit of the late fee of {$29.00} but then I was charged a {$40.00} late fee and some additional interest. I immediately called again and was told that they understood the error and would remove the fees and interest and I again made my payment. In XX/XX/XXXX I received my statement and was again charged late fee for the outstanding interest of {$4.00} which I was told would be removed. Every month I have called and sent letters and the late fees keep adding up until finally in XX/XX/XXXX, XXXX decided to charge off my account. I am horrified as I have never in my XXXX years ever paid a late fee or interest. I did have good credit but now XXXX has really hurt my credit score with the fabrication of late fees and unfair interest. I no longer shop at XXXX which is a shame because it was one of my favorite
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , IncXXXX ) due to 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 process 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: Mortgage

Ocwen has been reporting my mortgage late in error. Disputes were submitted through the credit bureau 's for correction of payment histroy. XXXX  updated payment history for myself correctly, however, Ocwen is still reporting erroneous late payments to my XXXX  report and also on my wife 's XXXX  and XXXX  credit reports.
Product: Credit card

On XX/XX/XXXX, Wells Fargo Card Services, suddenly closed my credit card account and provided no clear, specific, justified or valid reason for their actions. I've had the credit card account since XXXX and a banking relationship with Wells Fargo since XXXX and never, ever, ever made any late payments or have any kind of derogatory history with them. Furthermore, the sudden closure of the account lowered my credit scores and it affected me a great deal with other companies accounts interest rates increases and even a high rate new auto loan due to the impacted lower scores. 

I've tried to get a specific reason with Wells Fargo representatives, including an unresponsive XXXX that they assigned to the case. They simply indicated that their decisions was based on an internal evaluation caused by an incident with my XXXX 's XXXX personal debit card account. My XXXX 's had his personal account and a Debit card with Wells Fargo that was not linked or had anything to do with any of my accounts. I was a joint account holder for my XXXX 's account since he was a minor when it was opened, but I had no access or control of his personal debit card as it was issued to him only. The incident with my XXXX 's account happened a few weeks after he turned XXXX and they ended up closing his account. I was concerned so I contact Wells Fargo to precisely ask them if I could assist and if the situation would affect my other accounts and their representative answer was and I quote " XXXX XXXX, you have absolutely nothing to worry about and this does not affect you in any way ''. The conversation was recorder, so they should have it on their records. A few weeks later, I get the notification that my credit card ending in XXXX, was closed. 

My credit card or any other of my debit or personal accounts have absolutely nothing to do with my XXXX. As a matter of fact, I've had them even before he was born. As mentioned above, the only reason I was on my XXXX 's personal account, was because the account was originated and open when he was a minor and it is their own policy that a parent in on the minor 's account. They were aware of all of this and again did falsely stated that the situation with my XXXX was not going to affect me but still closed a totally unrelated account with no basis or grounds to do so affecting my finances and credit greatly. My XXXX 's received letters regarding his issue including letters a Notice XXXX XXXX XXXX and none of them were sent or addressed. However, they did sent me a letter indicating that the close my account because I have not maintained my checking or savings accounts as agreed. Please note that none of my checking or savings accounts had any issues. The only account that had an issued was the debit card account associated with my XXXX 's checking account. Nothing to do with me.
Product: Debt collection

I cancelled my auto policy with XXXX using the form sent to me by the current insurance company ( by fax ) three months later I received a collection letter from a collections agency I sent them documentation of my current insurance and the effective date, however, I took the first step to try and resolve the issue with XXXX XXXX and they refuse to correct the issue stating they did not receive the fax. After my fail attempt with XXXX XXXX XXXX I tried to communicate with the collection agency and they sent me a second letter demanding payment. I told them that this is double insurance and I should not have to pay but the was of no interest to them.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions that are reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. XXXX XXXX XXXX has been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service.
Product: Money transfer, virtual currency, or money service

I was contacted by someone proporting to represent XXXX XXXX patrol. oferring me a chane o collect XXXX XXXX dollar prize. they asked first for {$25.00} delivery fee for the XXXX agent and then {$150.00} fee to ensure the prize package. Stupidly, I paidboth fees through PayPal. I called Paypal to cancel the transactions but they were already sent. thewir suggestion was to contact the recipient to ask for return of my money. As if a scammer would do that.i would haver preferred that paypal as for the name of the recipoient and question all transactions sent to that account.FYI the suspected scammer was XXXX XXXX XXXX if you are swend money to thisindividual, beware.
Product: Consumer Loan

ONEMAIN # XXXX XXXX , IN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$8600.00} Date Updated : XX/XX/XXXX Payment Received : {$230.00} Last Payment Made : XX/XX/XXXX High Balance : {$9600.00} Credit Limit : {$10000.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$190.00} per month, paid Monthly
Product: Credit card

XX/XX/XXXX An online purchase of {$4200.00} was made for a XXXX from XXXX with a My Best Buy Visa Platinum card # XXXX and possibly XXXX was involved XXXX. I never have seen or opened acct for. I later received letter of notification from Best Buy Credit Services about the purchase and desire for collection. I do not see this card on my XXXX credit card report of current cards used or closed. Another letter with all documents from purchase from Best Buy Credit Services was received XX/XX/XXXX after I disputed charges and called to notify it was an acct not opened by me. I put a freeze on my credit and contacted all credit bureaus, when loggin into XXXX I noticed an email confirmation which was one used in this purchase XXXX, not my email... they hacked all my info and opened this card obviously. On my experian profile of residence there is now a New York address, I have never been to New York!!! Now Best Buy Credit services tell me in letter this purchase was confirmed and authorized and I owe!! I disputed this twice and did not work. The IP address they were made, name and address are not me. Please help
Product: Debt collection

For over a year now, there has been an ongoing issue with Capital One and their predatory consumer practices. Two of my credit cards, which were paid on time monthly ( and over the minimum ) were illegally closed without warning or notice. I've contacted them directly, I've filed XXXX complaints, and I've reached out directly to their corporate offices. All of which have not successfully deleted the illegal information they reported to credit bureaus. I want this matter solved once and for all, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information appearing on my credit report regarding the XXXX XXXX XXXXXXXX XXXX account with account number XXXX. Despite multiple attempts and dispute letters requesting a reinvestigation, the inaccurate information remains on my credit profile. 

The primary issue pertains to a reported 60-day late payment in XX/XX/year>, even though there was no 30-day late payment recorded for XX/XX/year>. This inconsistency violates the standard reporting procedures and indicates a failure in due diligence during the investigation process. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report only accurate and verifiable information. 

Furthermore, XXXX XXXX XXXX XXXX  has provided documentation that further confirms the inaccuracies in my credit report. I have attached a copy of this document for your review. Given the continued failure to properly investigate and correct this error, I request that you take immediate action to delete this account from my credit report. 

Please conduct a thorough reinvestigation into this matter and provide a written response detailing your findings and any actions taken. If the information can not be verified as accurate, I expect the immediate removal of the erroneous account entry per the FCRA. 

I appreciate your prompt attention to this matter and look forward to your response within the legally required timeframe.
Product: Credit card or prepaid card

I have a Mastercard which is associated with the company XXXX ( XXXX XXXX XXXX ). ( The credit card is issued by US Bank. ) Their special offer is that whenever I make a purchase from XXXX I will receive a 10 % rebate on a purchase from XXXX the next year or if the use of the card is made from an entity other than XXXX the rebate will be 1 %. On XX/XX/XXXX I placed an order with XXXX. On XX/XX/XXXX I received a letter from Mastercard telling me if I did not use the card by XX/XX/XXXX the card would be cancelled. I called XXXX on XX/XX/XXXX as I had not yet received my order and the timing of the letter from Mastercard seemed oddly coincidental. XXXX reported that Mastercard had denied the charges so my order had been cancelled. I then called Mastercard. The customer service rep apologized for my " disappointment '' and denied that the charges were denied or that a letter was sent to me. He said that my card would be cancelled if I did not use it by XX/XX/XXXX however even though the expiration date on my card is XX/XX/XXXX. I have a perfect credit score and have never had any credit problems. I have no balance on the card. I believe Mastercard is treating me this way because I do not use their card very often so they are punishing me because they are not profiting off of me even though I have not done anything wrong. Thank you.
Product: Checking or savings account

Opened both a Spend and a Save account with XXXXXXXX XXXX through Credit Karma. 

My account has been frozen. I have made 4 calls to a customer service rep ( in XXXX? ) and they can not unfreeze the account. Customer service supervisor stated that I need to provide additional documentation to verify my identity. Yet, I've never received a request through email or regular mail for additional documentation. I don't think they can send me a request through regular mail, because like I said, I think they're in XXXX? 

I think this is a scam.
Product: Credit card

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.
Product: Debt collection

I signed a stipulation of settlement ( attached ) in XX/XX/2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they were made without my permission, consent, inquires. I C System : Opened : XX/XX/XXXX. Reported : XX/XX/XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Mortgage

I signed up for online access and accidentally typed an undesired username for the website. I called in to have the username changed, and received three different sets of instructions from three different people. One of those said they would need to delete my online account so I can re-register, but the website won't allow me to do this. Another said I can change the username by selecting " forgot username '', which requires multi-factor authentication, although the " code '' that is sent by text to the phone number on file never comes. I called in again and opened a ticket and was told 24-48 hour response, but have not received any call back in a week. I have not been able to access my account online in a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am respectfully requesting to have negative items removed from my credit report from my Capital One Auto Loan and my Capital one credit card. Dates : XX/XX/22 through XX/XX/22. I am also requesting that my auto loan account be removed from Charge off status and closed account be open on my credit report. I am a military veteran with XXXX on permanent XXXX. I was a XXXX in the city of XXXX who had a severe episode of XXXX involving my military experience, sick patients, and the influx of patients and extra demand from COVID 19. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I applied for XXXX benefits to pay my bills. My VA XXXXXXXXXXXX didnt get processed until XXXX of this year. I received all the retroactive pay from the previous year and caught up on all my payments.
Product: Mortgage

I closed my refinance with Clear Mortgage Capital in mid XXXX. The Clear Mortgage team advised me in all payments and timing and I followed their guidance. I just received a letter from my previous lender stating that my payment has been missed and will be reported on my credit. I have now found out that my previous mortgage has not yet been paid off even though I closed the refinance and paid all funds upon closing. I am being asked to pay an additional {$1000.00} in order to payoff the previous mortgage. Clear Mortgage has been very difficult to work with and communicate with once I found these issues.
Product: Credit reporting or other personal consumer reports

Over the last couple of years my credit has been compromised by data breaches from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX is the latest one my identity was compromised, and I try my best to freeze the reports when I can. So, I asked for specific information after sending a letter asking for inaccurate account reporting to be corrected or deleted for not reporting accurate data. TransUnion sent back a simple response letter stating the account in question is verified and we are not going to respond anymore to your request because you're using a credit repair company. I'm not sure where they made that conclusion just seemed like a letter they sent to avoid doing any real work. So I waited 30 days and sent more letters asking specifically for how and with whom did they verify the information, to which I was denied with the same kind of response letters accounts have been verified without providing information I demanded, this went on till this day, these inquiries are only on TransUnion these adverse accounts are only on TransUnion to which I had looked at my credit report with TransUnion when I had access they have since blocked my online access and the telephone line hangs up after I put in my ssn #. I filed a identity theft packet because of all the unknown inquiries they rejected it entirely without any reason besides saying something about a credit repair company and I have no idea why they are saying that, this has prevented so much in my peace of mind, financial opportunities, cost, time, etc. etc. etc...
Product: Credit card or prepaid card

A. order XX/XX/XXXX @ XXXX XXXX  I ordered # XXXX {$47.00} Ship date XX/XX/XXXX QTY 2 Toy XXXX Tracking # XXXX USPS B. order XX/XX/XXXX @ XXXX XXXX  order # XXXX {$7.00} Ship date XX/XX/XXXX QTY 1 XXXX XXXX XXXX  Tracking # XXXX Orders A & B were both to be shipped to my home address. Order B had no issues Order A was not shipped to my home in XXXX. I had purchased the toys for my grandchildren 's birthday in XXXX. When I saw that Order A would not arrive I called B4 my trip to XXXX. I was told I could not cancel, return or reject the order. When I returned to XXXX  from XXXX  I checked the tracking number and learned they had delivered order A on XXXX XXXX @ XXXX MAILBOX in XXXX , XXXX  XXXX. Note : XXXX/Seller had knowledge of this when I called B4 going to XXXX. I contacted all and never got a response. XXXX responded by offering me replacements TOTALY FREE OF XXXX CHARGES. I was in agreement. When I called Capital One refused to answer my questions. I instructed them that I want to close the account, The account was closed XXXX XXXX. On XX/XX/XXXX @ XXXX XXXX  I checked my card account and there was a charge added date XX/XX/XXXX for {$47.00}. The charge is posted as a rebill. this is 19 days from order date. I called the XXXX ( this is a XXXX posted on the account ). Asking why they made this charge - they claimed they did not make the charge. I then called XXXX and was told they did not make the charge. I did receive two items. that they stated would be free. I had to remind them that there were 2 toys not one. They did send two separate packages
Product: Consumer Loan

I made a payment arrangement with Navy Federal and when it was time to pay they took a different amount that was agreed to. Also, I would call and notify why I was late but every chance they could would transfer money out my account that was not authorized. I never agreed to have someone take my paycheck and do what they pleased. This last incident I made a payment arrangement of {$170.00} dollars but they took {$260.00}.