23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I made a subscription change through XXXX XXXX. Which has my First Technology Credit Union Card on file for purchases. Usually there is a hold aka transactions pending for such. Within hours of making the XXXX  account purchase. A full charge as if I used my card with a pin or chip no hold or pending transaction. In the amount of {$11.00}. This threw my account t into an overdraft balance of more than XXXX or XXXX ( the amount that warrants an overdraft charge ). If First Tech would have put the hold ( as required for such a purchase ( CC not debit card ). The transaction for a credit processed through my XXXX XXXX in the amount of {$3.00} would have made my overdraft under the amount and I would not have been charged a overdraft fee.this is not the first time I have had to fight with my credit union. Regarding charges that were processed and should not have been or that didnt warrant a charge. Ex I believe in XXXX during the shutdown a monthly subscription. To a tanning salon processed the monthly payment knowing they were not open. And had a form to request a refund but they were not responding or processeing the refunds. I literally had to fight with First tech inorder for them to reverse the charge and forgive the overdraft! Which I do believe they did not refund me the fees! This is my 2nd account due to them wrongly processing transaction inorder to collect an overdraft fee! Transaction are not processed in the order they are done! Nor are they processed with the correct date of actual transaction made! First Tech does not offer fraud orenco tip To their members!
Product: Debt collection

I applied for a home equity loan and when the bank checked on the property title they found that there was a lean on the property placed in 2019 from Eagle Account Group in XXXX. So I called Eagle Account Group and talked to XXXX told her who I was and gave her the complaint number. She then asked me my birth date and if my middle initial was C, I told her the date and no it was W. then she asked if I live on XXXX  XXXX XXXX. or ever had, I told her no and that I have lived at my current address for over 30 yrs. she tells me that my middle initial doesn't match the address that they have in there file. Could not get any more information from her, she just kept saying I would have to have the bank contact her to verify who I am. I have never received any notice from them about any past due bills or anything ( probably because I'm not the right person ) I don't see how they can just pick a person with the same first and last name and put a lean on they're property. Shouldn't they make sure who they're filing on by checking birth dates and social security numbers or even contacting the person that they pick at random. Now I have bad credit report and a lean on my property for no reason other than the fact that I have the same first and last name!
Product: Mortgage

CLIENT CAME INTO THE OFFICE TODAY FOR DEFAULT COUNSELING. RFD- CLIENT WAS GIVEN A LOAN MODIFCATION IN XXXX 2014 PITI OF $ XXXXXXXXAND TAXES & INS OF {$710.00} FOR A MONTHLY PAYMENT OF {$1300.00}. CLIENT BEGAN MAKING PAYMENTS AND AFTER AN ECROW ANALYSIS HIS MONTHLY PAYMENT WAS INCREASED TO {$1600.00}, WHICH HE CAN NOT AFFORD. 
CLIENT ATTEMPTED TO CONTINUE TO MAKE THE {$1300.00} AND HIS PAYMENTS HAVE SINCE BEEN REFUSED. I CALLED PHH AND SPOKE TO A REPRESENTATIVE NAMED XXXX SHE ADVISED THAT CLIENT IS DUE FOR XXXXPAYMENTS. THE LOAN MOD AGREEMENT IN 2014 ONLY SHOWS THE PITI OF {$590.00} NOT THE TAXES AND INSURANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XXXX XXXX, 2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Student loan

Nelnet and XXXX  both have duplicated loans repeated on both of their company and the servicing lender. I have advised to correct, and they refuse to. I Filled a XXXX XXXX bankruptcy and have provided them with records and still ignore. I have also Disputed with Studentaid.gov and under review. Continue to have economic Hardship and loans placed in deferment. Constant interest charges that exceed the original loan amount.
Product: Debt collection

Sunrise credit service has added a derogatory mark on my credit report for a debt i do not owe. it is stopping me from getting a home.
Product: Credit card or prepaid card

Called Discover card on XXXX and spoke to a XXXX, after a few minutes when discussing why we needed to reactivate the card off the hardship program, explaining my husband had XXXX, she replied oh im sorry it isn't a good time, then tried covering her tracks stating she was talking about the program. It was disgusting, How is having XXXX at any point a good time?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account with XXXX XXXX XXXX  ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 15 U.S.C 1681 Section 602 A States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the customer 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: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I called the company and explained the items don't belong to meXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting wrong information on my credit report. I am extremely stressed and worried. I have sent dispute and its been over 30 days and they failed to respond. They are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Response to complaint XXXX-XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid my Regions Bank credit card payment in the amount of {$62.00}. Last week on XX/XX/XXXX, I was notified my XXXX payment as not received and my account was delinquent over 31 days. Immediately, I contacted the proper personnel within Regions Bank in regards to this discrepancy. I provided my XXXX bank statement showing my payment for {$62.00} being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CEO of Regions Bank and several personnel under him regarding this matter. The collections department contacted me on XX/XX/XXXX, and they have been giving me a very hard time! I have explained the situation to them and they refused to remove this discrepancy from my credit report. Today, XX/XX/XXXX, XXXX XXXX stated, the bank statements I provided her was not sufficient enough to remove the negative remark from my credit profile. She further stated, Regions bank never received my payment nor did I make payment in XXXX. This is really embarrassing!! XXXX XXXX called my last week making false allegations in regards to my account as well. I even went further to ask for her contact information ; however, she lied and stated, I do not have a direct number to contact me back at. Again, that was another lie she told because, she gave me her number last year when they lost my loan payment I made in XX/XX/XXXX. I am in the process of purchasing my first home and they is really affecting me. I am very stressed out and Regions does not care. I have had my credit card account for over 7 years and I have never missed a payment nor have I been late. I have offered to pay the account in full long as they remove the negative remark and they will not budge. This is not the first time Regions Bank has lost or misplaced my payment and reported it wrongfully to the credit bureaus!! The representative XXXX XXXX and XXXX XXXX told me not to contact the corporate office anymore regarding my complaint because they will not make them change their minds in regards to removing this negative remark from my credit profile. Can you please assist me?
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted the Capital One credit card department ( XXXX ) to obtain a payoff amount of my credit card XXXX XXXX XX/XX/XXXX XXXX ) for XX/XX/XXXX. The conversation was recorded and there is documentation of the call on my account. 
I requested a payoff amount to close the account. During the conversation, I went over and over again with the woman about the balance to pay off the card. I was told it was basically {$730.00} dollars each time. I asked her to please go line by line, add and subtract each item, which also included a {$1000.00} cash advance that I took. She even gave me a figure for the case advance fee, which was included in the amount three times. Each time she said the payoff was $ XXXX, not {$1700.00}. 
I had earlier that week set up a payment of {$1700.00} to be sent to Capital One believing that was what it would take to pay off the balance and close the account. Since I often pay in chunks at a time, I needed to get the payoff amount. 

If you are allowed to listen to the recorded conversation, you will hear that we went over the payoff amount three times. In the end, the women said she would go over it again and get back to me if there was a change. The phone went dead and I never received a return call. So, I changed the payment to {$750.00} to pay if off and even included a couple extra dollars for any interest that may accumulate before by XX/XX/XXXX payment arrived. 

The next day I checked my account and found that the amount I was told to pay off and close the account was incorrect. If this had been the first time that I have called for a payoff of the card and been given incorrect information, I wouldn't be submitting this complaint. However, this is the third time. These errors have caused an issue with me being able to balance my budget and ARE NOT my mistakes or my probable. Because Capital One has not or can not have competent people that can give accurate information to customers is NOT the customers responsibility and Capital One needs to take responsibility for their employees, not just through training by financially. 

If this had been a conversation that didnt include all the information that was posted or available to me and them, it would be different. However, I was online at the time I went over the payoff with them and the only thing not posted to my account at the time was the cash advance fee and interest on the advance. But, as I indicated above the women gave me an estimated figure to include in the payoff for these two figures. 

I was very explicit and asked her several times to recalculate the information. I've sent two emails and wrote a response to their letter to me already. I feel Capital One needs to be responsible for their payoff amount provided. The conversation was recorded and every time that I spoke with Capital One after was also recorded. I've requested Capital One to take responsibility for their misrepresentation and wipe out the balance and close the account. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

At the end of XX/XX/XXXX I received a promotional offer to make a balance transfer for a 0 % promotional APR until XXXX of XXXX. The terms on the promotion stated that I needed to complete the transfer by XX/XX/XXXX in order to take advantage of the promotion ; this promotion also included a fee which I was aware of at the moment of the Balance Transfer. 
I completed the balance transfer on XX/XX/XXXX in the amount of XXXX with its respective fee of XXXX the total balance that should be in the promotional rate as I understood it was : XXXX + XXXX = XXXX. According to the FAQ interest should not be charged as long as I payed the entire purchase balance in full. Additionally it explains how the payments are allocated, stating that the minimum payment amount will be applied to the lowest rate balance. If payments are made for more than the minimum, the additional amount will be applied to your higher rate balances. 
I received my first statement after the balance transfer on XX/XX/XXXX and called Customer Service as it did not reflect the correct amount that should be under a 0 % promotional Balance Transfer, instead of showing XXXX it showed only XXXX which seems to be a random amount. When I spoke to a representative she was unable to explain why this random amount was showing on my statement and, in addition, I took the opportunity to confirm that the allocations of my payments would be as follows : 1 ) minimum payment amount would be applied to the lowest interest balance ( Balance Transfer Balance ), 2 ) amount in addition to the minimum payment would be applied towards the purchases balance ( highest interest rate ) and if I covered the entirety of my purchases balance for the time period, the remaining amount, if any would be applied back to the Balance Transfer Balance ( lowest interest rate ). 
This has not been the case, and I have spoken with Bank of America XXXXtwo more times right after my statement was generated in XX/XX/XXXX and now in XX/XX/XXXX as I was charged interest that should not be there. Both times, the representatives have agreed with me that no interest should be charged on the card. They have not been able to escalate or resolve this problem, this is why I am entering this complaint. 
With this said, my payments are always enough to cover the minimum payment plus the entire amount of purchases made during the cycle period and then about XXXX more ( XXXX in XXXX ). 
If this is the way the interest is calculated during promotional offers, this means, in my particular case as a customer who pays the full balance every month, that I will start paying interest on balances that, had I not taken the promotional offer, would have been interest free. This seems to be a deceptive practice to make money out of a customer who pays his cycle 's purchase balances in full in addition to already charging a fee for a BT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.
Product: Credit reporting or other personal consumer reports

They failed to properly investigate several accounts Ive requested them to investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.
Product: Credit card or prepaid card

Here we go again, this is at least the FIFTH time now in a year. Despite lying to both myself and the CFPB that they would STOP mailing their unwanted junkmail solicitations to my deceased father it appears these XXXX  can't help themselves but harass and annoy people. ONCE AGAIN today I received YET another piece of their unwanted junkmail credit card solicitations addressed to my father. I don't now what is wrong with these people and what else to do to get them to STOP
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account number : XXXX  Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX
Product: Credit card or prepaid card

American Express reference number XXXX merchant name : XXXX XXXX transaction date : XXXX amount : {$1600.00} I called amex immediately when I saw this because question, almost two months after the alleged transaction instead of sending the bs that they sent as proof, mind you, This alleged purschase, neither I nor anyone in my house hold authorized it. Secondly, do you think that someone at american express could of looked at this and go, hey you know since XXXX XXXX didn't swipe my credit card, no signature at purchase a great way to prove to me that someone in this house ordered this XXXX XXXX  would be whatever chosen shipper tracking numbers and signature upon delivery but were ' now in XXXX two months later transaction date XXXX acct ending XXXX so ok if we ordered this item isn't amex responsible to make sure we get what we ordered? two months guys and let me quote this letter " we have now received support of the charge and a copy of the supporting is attached. i will attach to this what amex sent me but XXXX say copies from XXXX no XXXX XXXX  header says merchant letter can you imagine in our country mistake not we didn't order nothing for XXXX and not from XXXX and aBOUT THREE WEEKS AGO I CONTACTED AMEX FOR A DISPUTE, and if you look at last logistics updated time " null '' - so if you were amex wouldn't you tell XXXX, look, their claiming that they didn't order it well contact them but what if i get something and refuse delivery whose paying for shipping? not to mention you take something off someones bill to dispute and then you put it back on that they got proof it was ordered wouldn't amex look foolish if umm wheres the product? two months later they got proof it was ordered but delivery who knows when ... so hypothetically we made a mistake and ordered ti since it was not even sent yet if you were amex wouldn't you tell XXXX try to contact the sender and cancel no tries to make me pay XXXX for something i didn't order.
Product: Mortgage

On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at XXXX XXXX ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). 
In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. 
I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned. 
I will be refinancing this loan at my earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.