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

I have had my account credit card with Capital One for 10+ years. Over the past 3 years when I have an issue with an online order that is defective, Capital One always sides with the merchant even when they are shown proof and documentation on the merchandise. I provided documentation to them between me and the merchant. They say they are not experts so I need to get a second opinion from another table maker with their letter head. They received photos and they still require me to take other steps, so my dispute is null and void, and I am left to pay hundreds of dollars for defective merchandise. So, that's some of the background. On or about XX/XX/2022, I was so feed up with them siding with the merchant, I requested for my account/card to be closed. I had paid them off in full 2 ways prior over XXXX dollars. I requested for closing the account, and for me with a preference of shopping online for almost everything, I had placed an order with XXXX for a printer and the ribbons on XX/XX/XXXX for {$140.00}. I was unable to set the printer up so I returned it, and the cartridges was an in-store item, so XXXX tried to credit the {$57.00} to the closed card. It was declined and kicked back. I contacted XXXX XXXX and they told me to call XXXX. I did and the next day, 24 hours later they were able to give me the credit for the cartridges on the closed card. The printer was returned via XXXX  to the third party vendor. They tried to issue the {$74.00} credit and it was declined due to the account being closed. On XX/XX/2022, I spoke with a Senior Representative in Customer Service by the name of XXXX. After being on the call for 30+ minutes, he said he could not refund my monies to a closed account. I asked him for a check or to place the credit on another Capital One Card. He said no, we have your monies and this is our business practice to be deceitful and scam customers. This deceitful practices has to stop and the FTC need to close Capital One down for this scam. 

XX/XX/2022, I am speaking with a representative name XXXX, and I was being told the same thing. After about 15 minutes the refund will post today and they will send me a check as the transaction will post today. I hope and pray the check for the refund arrives in about 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Equifax Total Premier service on XX/XX/2020. After completing the sign up I created an online account. However, I was unable to login to the created account. I received a message that said call customer service. I contacted the toll free number only to be told that Equifax was unable to unlock my account and that I needed to mail a letter with a copy of my license and Social security card. I mailed it in. This past weekend my card was charged the monthly fee. I called customer service to inquire why this happened only to be informed that my paperwork was never received. I was given an excuse and a fax number to send my information over again. I faxed them over and called customer service again only to be told again that my paperwork has not been received. I was put on hold and transferred 4 times for over an hour and 20 minutes only to get hung up on. I called back again and now can not get in contact with a supervisor
Product: Vehicle loan or lease

My car was totaled XX/XX/XXXX and the finance company picked up the car on XX/XX/XXXX after the insurance company rescheduling multiple times. Now the car is no longer in my possession and Im dealing with constant harassment via text and phone. But the finance company refuses to give me any information regarding my claim and as of XX/XX/XXXX I was informed that my insurance claim can take an additional 6-8 wks but payout has already been approved. During this 6-8weeks my loan will continue to accumulate interest, also the finance company refuses to send any information from the insurance as well regarding the payout or my gap insurance. I also was informed that Im not entitled to know this information because its 3rd party but I pay for both car insurance and gap insurance why am I not entitled to the information regarding a loan that I finance and solely responsible for. Also the supervisor informed me that even though she gave me a estimate of an additional 6-8 wks theres a possibility that it might be a year. Ive explained to challenge financial this isnt my first loan nor my first totaled car and I feel like some fraud activity is going on behind the scenes. Ive read multiple reviews and from what Ive read Challenge Financial does this to a lot of customers. Ive had the car for 2yrs not one payment missed the loan started at XXXX apr 13 % and I still owe XXXX. And my previous loan was XXXX apr 24.99 % with XXXX XXXX I had the car for 3 yrs missed over 10 payments throughout the loan and when it was totaled I owed XXXX. So giving an example I dont understand how a loan with lower apr % and less to payoff with no payments missed still have XXXX dollars owed after 2 years? And why am I not entitled to know whats going on with my insurance claim if the car is in my name, my credit, and Im responsible for. Their employees call and harasses you for payments even after they have already been paid and I literally have to tell them check their system and stop sending me repo text ( one guy XXXX actually told me well you need to do my job then and hung up ), I also never went over 30days past due and would receive repo text messages. When you ask to speak with the manager they hang up. When you try to speak with a specific person they hang up even the manager has hung up on me because I was reporting a rude employee that wouldnt transfer me to the insurance claim department, the next day that same guy calls my phone after Ive already requested for him to no longer call me due to his rudeness. When your nice they become rude when your asking too many questions. XXXX actually told me he couldnt help me because I didnt know my account number Because he would lose his job and hung up ( Ive NEVER used my account number when calling ) When I called right back a lady answered and with no problem my account was pulled up with my number like I normally do. Their just overall rude and running a fraudulent company. Not all but majority or rude and shouldnt work customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

Peoples Bank continues to report incorrect balance and late status. 
They have not effectively addressed the problem
Product: Credit card

They made the account restricted after I paid half my balance. Trying to require that I let them speak with another bank about the payment account which is intrusive.
Product: Mortgage

I am filing this complaint regarding the mishandling of my mortgage account by XXXX XXXX XXXX. Despite being enrolled in auto-pay and ensuring all monthly payments were made on time, some payments were either reported as late or not received, even though the funds were debited from my account. 

I received a foreclosure notice and immediately contacted XXXX XXXX XXXX. I was informed that the foreclosure would proceed unless I provided payment for the months that were allegedly missing. I was also advised that the investigation into the matter would extend beyond the foreclosure date, leaving me with no other option but to make additional payments for the disputed months to prevent foreclosure. 

To resolve the issue, I submitted my bank statements and transaction details demonstrating that the payments were indeed made. My bank also conducted a trace on the funds, confirming they were received by XXXX XXXX XXXX. I repeatedly requested that the reported inaccuracies be corrected and the extra payments applied directly to the loan principal. Additionally, I asked for any fees associated with the alleged late payments to be waived. 

Since XX/XX/year>, I have submitted formal requests through the online portal, provided evidence, and spoken with several representatives to address the incorrect reporting to my credit and to resolve the payment discrepancies. Despite numerous escalations and follow-ups, no resolution has been provided, and I have not received a single return call. 

I respectfully request immediate attention to this matter. Specifically, I ask for : XXXX. A thorough review of my account, including confirmation of all payments made. 
XXXX. Correction of any inaccurate credit reporting related to this issue. 
XXXX. Application of the extra payments directly to the principal balance. 
XXXX. Waiver of all fees and penalties associated with the erroneous late payment reporting. 

I expect prompt action and a formal response to this complaint. Please let me know if any additional documentation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

OSLA previously had 3 accounts in my name. All sounds have since be consolidated with another company. OSLA is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.
Product: Student loan

Federal student loan was transferred from Aidvantage to XXXXXXXX XXXX XXXX. Both are reporting loan as open and full amount due. XXXX and Aidvantage confirm that XXXX is the correct servicer. However Aidvantage refuses to properly report to credit bureaus that the loan is transferred, closed with them and balance XXXX. When I called to ask them to correct their error, they said theyll send me a letter and I can dispute with credit bureaus myself.

Poor business that they make this reporting error, more so that they refuse to correct their error and tell me to dispute it. Disputes take months awaiting reply and this negatively impacts my credit score while I wait ( larger debt owed than I actually owe ).
Product: Vehicle loan or lease

I setup auto pay via Citizens Bank website in XX/XX/XXXX ( or thought I did ) but evidently it did not activate immediately. I set this up in good faith but the first payment was late - XX/XX/XXXX - and is reported 30 days late on all three credit reports. Since the late payment Citizens can see I have auto-paid every month since then for almost 2 years. They are being completely unreasonable to a good customer who setup auto pay in good faith. Additionally, they should accept blame for having inadequate technology and/or other processes that setup auto-pay in a more timely manner. I have paid in good faith as agreed - if their technology was more contemporary this would not be a problem. 

Totally unreasonable and unfair. Punishing a customer who setup auto-pay in good faith. 

Others be warned Citizens Auto Finance has terrible technology and will blame you for any delays or incompetence. Further they will do nothing to work with you to remedy the problem. 

After further review ( this warning was not readily visible to me when I setup autopay ) Citizens Bank even tells their customers their technology - or whoever they outsource it to - is potentially unreliable with a warning on their website when you setup autopay. See below. 

If you go to the Citizens Bank website ( https : //www.citizensbank.comXXXX ) to setup autopay and click on " Setup Recurring Payments/Login '' you receive the following GLARING WARNING alerting customers to the potential unreliability of the website you will setup autopay on. Again this warning was nowhere to be found when I setup autopay. The warning from the Citizens website is below. 

" Please note : You are about to leave the Citizens Bank website. Citizens Bank is not responsible for, nor do we control, endorse, or guarantee the content, products, and/or services of the subsequent pages. The linked site may have a different privacy policy or provide less security than our website. We recommend that you review these policies on the linked site. Thank you. '' Citizens Bank admits to the unreliability of their own technology and then unfairly and unduly punishes their own customers for their system failures and shortcomings.

Pathetic! Incompetent!
Product: Credit reporting

I send a disputed to the CB for inaccurate information report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. 

Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. 

XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly created PayPal account. I am reaching out to express my concern and seek a resolution as I believe there may have been a misunderstanding or an error in the evaluation of my account.

I understand that PayPal implements strict security measures to protect its users, and I appreciate the efforts taken to maintain a safe and secure platform. However, as a new user, I have not yet had the opportunity to engage in any transactions or activities that could potentially violate PayPal 's policies. 

I kindly request a thorough review of my account and clarification regarding the reasons for the blockage and limitation. I assure you that I am committed to complying with all of PayPal 's rules and regulations and would like to rectify this situation promptly. 

My registered email address associated with the affected account is XXXX. I kindly request all communication and updates regarding this matter to be directed to this email. 

I am more than willing to provide any additional information or documentation that may be required to verify my identity and ensure the security of my account. Please let me know the necessary steps I need to take in order to resolve this issue and restore full access to my PayPal account. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing and resolving this situation. Should you require any further information or have any questions, please do not hesitate to contact me. 

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

I have disputed this debt with Transunion I have sent a validation letter to the company XXXX me a account summary report they wrote account summary report they gave me no Information They know this debt is not mine please investigate. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  the inquiry dates is XXXX XXXX, XX/XX/year>, XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to have these three collection accounts removed from my credit report 1. XXXX XXXX XXXX XXXX {$33000.00} 2. XXXX XXXX XXXX XXXX  {$7800.00} 3. XXXX XXXX XXXX XXXX {$38000.00} These collections account refer to a student loan through XXXX XXXX which has been fully paid. I paid these loans through XXXX XXXX as shown on my credit report. My latest credit report show that these loans have been fully paid therefore I do not understand where these collections is coming from. The website of the financing company also show that I have fully paid for the loans that I borrowed. I want these collections removed ASAP because it is cruel of the company to make an account that has been fully paid deliquent on my report. Please read the background below : In XXXX I borrowed the following loans through XXXX XXXX in which I made the payment through XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX. XXXX {$30000.00} XXXX XXXX XXXX. {$30000.00} I paid off these loans XX/XX/year> and my credit report shows that. Also on the company website it shows that I paid off my loans and I have proof to show. However, I got notified on my credit report that these loans were sent to XXXX XXXX XXXX XXXX. I have paid off these loans therefore the act of sending a fully paid loan to collections is inaccurate and wrong. 


The collections account shown on my credit report is inaccurate because the loan shows that it has been fully paid yet in XX/XX/year> which I did yet a collection account shows in XXXX XXXX XXXX 
I want these collections removed from my credit report ASAP. 

I attached my credit report and proof from the company website that my loan is fully paid which aligns with the status of the Launch payment account.

In summary, 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Payday loan, title loan, or personal loan

On XX/XX/2023, I was XXXX  in Washington XXXX DC. My wallet with {$400.00} and all of my debit cards were stolen. I did t have transportation or access to make my Monthly payment of {$240.00}. I have paid my bills on time each Month and was never late. Because of this event, I was late one time and now have a 30-day late report on my credit reports. This has caused my reports to decrease.
Product: Credit card

I am disputing the collection account with XXXX, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my past account transactions.
Product: Credit reporting or other personal consumer reports

My account with XXXXXX/XX/XXXXwas never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 60 days 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. 


XXXXXX/XX/XXXXXXXX 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 8