23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I made a payment of {$420.00} to Capital One from my XXXX XXXX checking account. This payment brought my balance to {$0.00}. On XX/XX/2023, ( I have all calls recorded ) I called Capital One customer service, the agent was combative and unwilling to assist me. At the beginning of the call, I asked to speak with a supervisor. The agent began to be combative and tell me everything that was wrong with my account. I then told the agent again my issue was that Capital One took a payment, my balance is XXXX but I have no available credit. This has happened for the past two months, I make eight phone calls until, I get someone to help. Last month, the fraud supervisor was able to tell me what a supervisor has to do. I tried calling Capital One eight times in the space of two days. I got hung up on by two supervisors and three agents. Every month with Capital One, I make two to three payments. They never reflect on my credit report accurately. I also have made payments every month for the past two years and my payments have not been posted in a timely manner to where I have to call and ask when my payments will post. They have been hostile towards me, I am a veteran with XXXX and I need someone to investigate this.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ZINGO CASH - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

In XXXX I opened a home equity loan with wells fargo. In XXXX my wife lost her job and I was informed by the wells fargo rep he could lower my payments and talked me into a " new product '' unknown to me I was enrolled in help for homeowners (? ) and it had been listed on my credit report ( never saw this on my credit report ) I discovered what had happened in XXXXafter I was turned down for a critical business loan due to the " modification to my account ''. I immediately called to have it removed from my credit report and return to my old payment ... Due to bait and switch and bad banking practices I was sold a flawed product that front loaded me for failure as the loan went interest only but never informed me at the time my balloon payment was unchanged. I have BEGGED wells fargo dozens of times to recognize the bad math on my account only being told the product is no longer offered and can never be changed as it stands. They asked me to apply for new products and did so only to be rejected without even sending in my financials ..also I have paid 10.67 % on this loan for years despite the lowest interest available being told that a change to the interest rate could NEVER happen. I have never missed a payment, I am greatly concerned as I was threatened they will liquidate my home due to bad banking practices.
Product: Checking or savings account

on XX/XX/XXXX two ( 2 ) checks from XXXX with the same amount of {$92.00} were deposited via a mobile deposit. Check # XXXX & check # XXXX were deposited. On XX/XX/XXXX Wells Fargo debited the account, stating that the check was posted twice. On XX/XX/XXXX the back then posted a debit return to the account in the amount of {$180.00} ( {$92.00} x 2 ) because of a 3rd party deposit that was not acceptable. Therefore, a total of {$180.00} was deposited by {$270.00} was debited back against the account. We have contacted the bank personally to no avail. We issued a complaint with the bank, which they informed us that the check was a duplicate deposit, which it is not give the two different check numbers that were originally issued. We went back to the bank again and are still unable to get them to see the error and that they owe us back {$92.00}.
Product: Vehicle loan or lease

ANNUAL PERCENTAGE RATE. The cost of your credit as a yearly rate. 
XXXX % FINANCE CHARGE. The dollar amount the credit will cost you. 
{$2800.00} Amount Financed. The amount of credit provided to you or on your behalf. 
{$20000.00} Total of Payments.The amount you will have paid after you have made all payments as scheduled. 
{$22000.00} Number of Payment ( s ) Amount of Payment ( s ) Payments are due XXXX {$380.00} XX/XX/XXXX On XX/XX/XXXX, I applied at XXXX XXXX to refinance my XXXX XXXX XXXX after leasing for XXXX months. I received the refinance documents from XXXX XXXX with the information above on the balance of {$25000.00} after the end of the lease. I gave a down payment of {$5500.00} with a balance of {$20000.00}. When I received the documents with the Annual Percentage rate of XXXX on the {>= $1,000,000} = {$2800.00} which is stated above in the BMW documents. The right percentage amount should be {$1000.00} and not {$2800.00}. 

If you divide their interest charges of {$2800.00} into XXXX-month payments the result should be {$48.00} of interest on a monthly basis. 

I have been making payments of {$400.00} dollars a month into my account instead of {$380.00} because I would like to pay off as soon as possible. 

Since I started making payments into my account on XX/XX/XXXX, XXXX XXXX had charged to my account higher interest than what it is stated in the documents. Also, I have been making additional payments to apply to the principal. XXXX XXXX as posted into the interest instead into the principal balance. I think that is a wrong entry into my account because my balance should be lower than what it shows now. 

I have contacted XXXX XXXX on various occasions because of the same reason, too higher interest charged and my extra payments it is not applied toward the principal. The Financial Representative stated that BMW collected their interest in advance which Is wrong because the balance will be higher than what is supposed to be on a monthly basis. Another Rep told me that XXXX collected the interest on a daily basis of {$290.00} which I was not aware of. That it is not in the document I signed. 

Please see the attachment of the payment stub so you can see the payments made since XX/XX/XXXX -XX/XX/XXXX because of the two payments in XX/XX/XXXX, I misplaced.
Product: Mortgage

I am XXXX XXXX, writing on behalf of many of my colleagues. 

We continue to encounter Builders in the XXXX XXXX area ( XXXX XXXX & Colten Mortgage, XXXX XXXX & XXXX XXXX to name a couple ) that offer thousands of dollars in incentives to buyers if they use THEIR lender. In most cases, the customer pays more in origination fees & points and gets a higher interest rate but they feel like their hands are tied. 

Can you please help us to understand if this practice is legal? We really don't understand how it could be? Can the CFPB please confirm the legality? 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, Complete Payment Recovery Services contacted me about an account, but they did not identify themselves as CPRS. I would not discuss personal information over the phone, and then did not send a validation notice. On XX/XX/2023, they called again, this time identifying themselves, and I stated again that I would not share information over the phone. I did request that they send a written validation notice from a verified agency. However, they stated they wouldnt discuss it with me and hung up on me I called back approximately 30 minutes later and stated I would be willing to communicate after receiving a written validation notice. They once again stated they would not discuss it with me. I said I dont need to discuss it over the phone, but they do need to send a validation notice. The person on the phone once again hung up on me as I was talking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my USAA old credit card account incorrectly. Paid XXXX XXXX {$350.00} to settle in full the {$800.00} balance on XXXX per USAAs instructions. I have a letter dated XXXX from XXXX stating I have a XXXX balance with USAA Savings Bank acct ending in XXXX after my payment. The letter also states the account is now settled in full. I uploaded this letter to XXXX, but they would not delete the incorrect info on my account saying I have a {$430.00} balance left on the account and they did not put settled in full on my USAA account on the credit report. I disputed both online and via phone again on XXXX with no change. Yet both XXXX and XXXX updated my account correctly within 3 weeks to {$0.00} balance and settled in full and my scores went up. My XXXX credit report is lowered due to incorrect reporting. Please fix asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I get multiple calls a day. Even after I answer, no one talks and they keep calling several times a day.
Product: Credit card or prepaid card

My credit file shows that someone applied for a credit card at XXXX XXXX without my consent. I have no interest in having credit with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$18000.00} COLLECTIONS XXXX {$1100.00} XXXX, XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$66000.00} XXXX XXXX {$640.00} XXXX XXXX {$810.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX, XXXX & XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/1982 SS : XXXX I have several addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses. I am a victim of fraud so I am trying to protect the integrity of my credit file the best I can. I have filed a police report in XXXX Ohio and West Virginia. I found several accounts on my credit that are fraudulent and not accurate. 
XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX PA, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I agreed to purchase two tickets to a XXXX XXXX game for {$250.00} total. The seller said he banked at Wells Fargo and preferred to use XXXX. I did not know anything about XXXX so I logged into my Wells Fargo app and XXXX showed as an option. I assumed there was purchase protection because it was endorsed by my bank and as the buyer stated, why would I use my bank account to do a fraudulent purchase? ". I transferred the money and never received the tickets and the person never returned calls. I immediately called my bank to try to cancel the transaction, they said that they had already sent it and I could not cancel. They said unfortunately because you authorized the purchase there is nothing we can do. There is no use in filing a report with our fraud department. He said I could file a police report if I wished to. If a bank is sending money to another bank, they would have that information. Wells Fargo refused to help.
Product: Checking or savings account

Not too long after recovering from XXXX, I deposited funds in E Trade Bank 's Max-Rate Checking Account. I then forgot that I had deposited it, as I was trying to get my life back in order after recovering from the devastating effects of XXXX XXXXXXXX. I didn't discover the checkbook until I moved to XXXX last year. When I called E-trade, representative XXXX told me that my funds had been transferred/dispersed to the the XXXX Treasury Department XXXX but I had NEVER gotten any statements from E trade Bank over all those years and they NEVER contacted me to let me know that they were going to, or that they had transferred my funds to the state! My funds do not show up at the XXXX Treasury Dept., the FDIC, or the Office of the Comptroller of Currency ( OCC ). Now E Trade is telling me that since it has been so long, they can't find it either, or verify the funds to return my money to me. This is devastating to me, as I feel that they never took the responsibility to send me statements or inform me about the transfer of the funds. I need my money. XXXX, the E Trade rep, told me that he couldn't give me his email or the name of his manager, but that their E head management office is at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original creditor name XXXX XXXX I have this open medical bill that does not suppose to be on my credit. According to the rules and regulations. In XXXX, the national credit reporting companies announced the National Consumer Assistance Plan ( NCAP ) as part of a settlement with numerous State Attorneys General, which included provisions for the reporting of medical debt.1 As part of the NCAP , the companies committed to no longer reporting medical collections that were less than 180 days past due and removing medical collections that have been paid by insurance. Both of these provisions were intended to prevent consumers credit from being penalized for debts that were not the consumers responsibility to pay. 

On XX/XX/XXXX, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/XXXX, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning sometime in XXXX, medical collections with balances below a threshold of at least {$500.00} will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers. 

This report explores the characteristics of consumers with reported medical collections and focuses on the current state of medical collections that appear on consumer credit reports and medical collections that are likely to be removed from consumer credit reports in the next year. We use the Consumer Financial Protection Bureaus ( CFPBs ) Consumer Credit Panel ( CCP ) to analyze collections tradelines first reported to a national credit reporting company after XX/XX/XXXX with medical listed as the original creditor type.3 We observe consumers credit scores, census tracts of residence, and other credit information in the quarter before the first reporting of the medical collection. 

I'm requesting that this debt be removed from XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Product: Debt collection

I was contacted about a debt from XXXX XXXX. I request they send a validation of said debt in writing to the address on file which appeared to be mine. I also requested verbally that they cease phone collection attempts. I was told if I do that they will mark it as temporary hold and that I rub the risk of being sued. They said I wont be called for 4 weeks unless I send a letter. I sent the letter immediately. They have continued to attempt to collect a debt they have failed to validate, and have threatened me that I will be sued if I dont cooperate.
Product: Credit card

Back in XXXX, we hired a moving company, XXXXXXXX XXXX XXXX  XXXX XXXX. 
XXXX by phone and text, we notified XXXX that the movers damaged a dining table and put a hole in a wall on a hallway! 
XXXX. XXXX asked for some estimates to repair the damage! Took pics of the damage and sent to him and repair facilities! Sent estimates to his phone! He said that the repairs were too high and that he had people who could do the repairs! Didn't hear back from him for over a week! Contacted him, he said they were really busy and his people weren't available to do repairs! 
XXXX. 2 more weeks go by and still no contact by XXXX! We agree to reimburse our moving fee and we would take care of the repairs! He said he would put a check in the mail. Another week goes by, he ( XXXX ) is not answering his phone! Prior to this I have put all of our conversations in text, and have responses from XXXX on my phone! 
XXXX. Long story short, after 6 attempts working with the Credit Card Depart. I went to a local branch and gave them all my info ( previously sent by mail ) to the Branch Manager. He verified the texts messages to/from XXXX saying that he agreed to the refund amount and his explantations of how he would send/deliver monies back to me! 
XXXX. Meanwhile the Bank ( US ) keeps sending more requests for more of the same info that they had already received! I contacted them by phone 2 more times and spoke with representatives that said they had everything! Only to find out that they cancelled by request because of missing information!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FINCL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/17 I thawed my credit report. 
That was fine. However what I am complaining about is that when accessing your Experian account the user is led to believe that the only way to close your account to outside inquiries is to lock it. This is offered only as an upgrade, which I assume to be at additional cost. The wording is highly deceptive, they tell me that my account is unlocked and i was pretty sure that I had previously locked it. 
Fast forwardafter several minutes of drilling down into the website I find that my account was in fact frozen and that was a free service. I then proceeded to thaw my account. 
Bottom line, Experian tries to upgrade you by using the term locked as opposed to frozen. This is a deceptive practice.
Product: Credit reporting or other personal consumer reports

On my credit report on Experian there are two addresses on there that DO NOT belong to me that have yet to be taken off! This false information could get things mailed to me that are private matters