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

I would appreciate your help obtaining a little information about my Capital One credit card account ending in # XXXX. They have made it virtually impossible to find out when the deferred interest on a balance transfer expires and interest is charged to your account. 

On XX/XX/XXXX I transferred {$19000.00} from another bank to my Capital One credit card using your balance transfer option with deferred interest. 

This morning I have spent over 90 minutes attempting several ways to find out from you when the balance needs to be paid in full to ensure no interest is charged to my account.

I have : - Searched your website for 30 minutes trying to obtain the information.

- Checked my account statements that you provide me each month.

- Attempted to chat with your customer service team but could not find this option - Searched for 10 minutes on your website to locate the customer service phone number.

- Called and spoke with a representative. After putting me on hold several times, she finally VERBALLY provided me the information and said it would be due XX/XX/XXXX. She then offered to email it to me, which I agreed. She put me on hold again and 10 minutes never came back onto the line. I hung up. 
- Called again and spoke with another representative. Again, she put me on hold several times and finally gave me the information VERBALLY. She them told me she could not provide it to me in writing. 
- Requested to speak with a supervisor. She transferred me to XXXX in XXXX, FL call center. He corrected the previous agent and said the balance is due to be paid by XX/XX/XXXX to avoid interest being charged. He further said he would not provide it in writing. 
Mr. XXXX, this information is not disclosed on your website, it is not on my monthly statements and it is virtually impossible to obtain from your call center representatives. 

Why have you made this so hard? And why won't you simply provide it to customers in writing. It's seems to me you're hiding the information so customers end up being charged the interest. 

I would kinda appreciate you providing this information to me in writing. 

I look forward to hearing form you. 
Thank you!
Product: Student loan

Have been trying to figure out how my loan payment went up and my income went down {$10000.00}. Was told they can not give me the income amount they based my monthly loan payment on because its a rule from the department of education. makes no sense at all. they verify over the phone all my personal information etc. so why are they not telling me what they based my payment on. I also tried loan forgiveness due to XXXX university holding my degree for 8 months and by the time they released it i was too old to get a job in the field i had a degree in. It was XXXX  mistake and i even have an email stating that it was and how sorry they were. How is loan forgiveness supposed to work when the people who decide are saying no because they are the ones getting our money. makes no sense at all.
Product: Debt collection

Got calls to my cell phone from portfolio recovery XXXX. They didn't leave a message, refused to tell me who they were trying to reach, when I asked for no more calls I was told they can only remove a wrong number but again refused to tell me who they were looking for. I provided my first name only in case it's a scam.
Product: Debt collection

DIVERSIFIED ADJUSTMENT SERVICE is in violation of the Fair Debt Collection Practices Act ( 1006.34 Notice for validation of debts. ) to send a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days. DIVERSIFIED ADJUSTMENT SERVICE now in violation of the FCPDA, and are now subject to fines of {$1000.00}. I have no knowledge of this account and believe this account was open fraudulently. A collection is by default late and past due, this account due to inaccurate reporting is in violation and damaging my credit report.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and seen some information I am unable to verify which is the CURRENT pay status being reported on this account. Please verify this pay status is accurate. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT TYPE : CHARGE CARD Current PAY STATUS being reported : Paid in full, Was a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  .tranunio I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management is knowingly reporting a fraudulent XXXX XXXX  collection on my credit reports. I notified Credence of this matter originally on XX/XX/XXXX. Credence investigated the matter and deleted the fraudulent account from my credit reports. XX/XX/XXXX Credence changed the account number and reinserted this account to my credit report. They are intentionally reporting a fraudulent account on my credit report -- willfully being noncompliant to the FCRA and violating my consumer rights. They insist on reporting a fraudulent account to my credit report and going about doing so by being deceptive. I feel at this point I am being harassed by Credence. They are causing much undue emotional stress. I work in XXXX  and am up for a XXXX  and XXXX. This will not occur with this negative account on my credit report. Part of the XXXX criteria is having good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts listed by the credit reporting agency have violated my rights and privacy. 

- XXXX XXXX BANK Account # XXXX -XXXX XXXX XXXX Account # XXXX - XXXX XXXX  Account # XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX BY XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report. 

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number not associated with me : XXXX
Product: Mortgage

On XX/XX/2023, an official request was made to Carrington Mortgage for the payoff amount of a home loan. That request was sent to me via email that day. I then forwarded that information to my attorney, who then forwarded it to the title company for closing. The closing was XX/XX/2023. I received a call from the title company today, XX/XX/2023, to inform me that Carrington Mortgage declined the wire transfer to pay off the loan. I then called Carrington Mortgage and was informed that an email was sent to me on XX/XX/XXXX, to reflect an addendum of an additional {$3100.00}. I informed the supervisor that I never received any communication reflecting a different amount. The supervisor informed me that there were two additional documents emailed to reflect two different payoff amounts. I informed the supervisor that I never received an email indicating these changes in payoff amounts. I also expressed that my concern about this information being negatively reported to the credit bureaus. The supervisor said there was no wrong doing on their part and there was nothing he could do. I immediately wired the additional funds ( difference between the three different payoff amounts ) to the title company so that the initial wire transfer could be released for payoff. This action is unfair to me as a consumer because I requested information and was given incorrect balances three times. The negative reporting to the bureaus for delinquent payment will negatively impact my ability to purchase my new home, which I am currently attempting to do.
Product: Debt collection

I pulled my credit report and saw that that rent recovery solutions are reporting debt XXXX 2024 on my XXXX report, they removed from my other reports upon request, however, didn't remove from XXXX report. The total is {$2500.00}. I have no contract or knowledge or agreement with this Rent Recovery Solutions.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX AM A VICTIM OF IDENTITY THEFT. 
THE ACCOUNT ON MY CREDIT REPORT WHICH IS UNAUTHORIZED. I WOULD LIKE FOR THESE ACCOUNT TO BE REMOVED. I ALSO WAS AFFECTED BY XXXX DATA BREACH. MY PERSONAL INFORMATION WAS LINK AND FOUND ON XXXX XXXX I HAVE ATTACH MY POLICE REPORT ALONG WITH FTC REPORT
Product: Credit reporting or other personal consumer reports

I have XXXX account reporting inaccurate info on my report and it's keep XXXX XXXX XXXX  dats can't be rite XXXX acct XXXX XXXX changes off close and sold too a debt collector card was only {$300.00} they are report balances XXXX XXXX report late never was late XXXXXXXX XXXX  never late XXXX XXXX report XXXX XXXX balance and XXXX car was repo and sold at auction wrong XXXX XXXX XXXX XXXX never XXXX XXXX XXXX XXXX XXXX changes off XXXX XXXX  XXXX never late XXXX XXXX never late XXXX XXXX XXXX never late and they don't never show me proof war I asked for like who they spk too with da company how is it keep XXXX XXXX XXXX  they should show proof if not update are removed
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine 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 XXXX XXXX XXXX  FCRA Violation credit card not mine XXXX XXXX XXXX XXXX FCRA Violation public record not mine XXXX  XXXX Bankruptcy
Product: Student loan

In XX/XX/XXXX I enrolled in XXXX  XXXX XXXX XXXX  XXXX. As with most XXXX universities, it was extremely expensive, much more than anything my non-college educated mother or deceased father could pay. Unfortunately my mother was unable to complete her taxes on time when it was my turn to apply for college funding. Being XXXX and claimed as her dependent, I needed her tax returns to apply to federal college funding, FAFSA. With no one to assist me I applied for private student loans ; one from XXXX XXXX, XXXX XXXX, and XXXX, which has since been sold to Discover. 



My full tuition totaled to about XXXX, all of which I borrowed from these private banks with variable interest rates. XXXX sold my loans to Discover, which have a variable interest rate, mostly hovering between 11 and 13 percent. Since XXXX I have made my payments on time consistently yet my balance remains larger than the original amount borrowed. XXXX was the borrowed amount and I have given Discover nearly XXXX and only XXXX went towards the balance. 


Before I was laid off by the current pandemic ( XXXX industry ) my average annual income was XXXX. And because my debt to income ratio is too high, I do not qualify to have my loans refinanced. I have been turned down by every company I applied to. What else does this mean? I will be denied for a home loan, car loan, and most other steps towards a future. The American credit system says I am too broke to get help. 


For eight years post college graduation, I have paid over {$1000.00} a month to all of my loans yet I owe more than I borrowed and it is impossible to get out of this hole of debt or go anywhere with my life. 


After years of cries for help falling onto deaf ears at Discovers call center. I finally contacted the corporate office in Delaware. The woman who answered, claimed she opened an investigation on my account. It has been a month and I have not received a call back. Half of the time I call, the phone rings for a few seconds then plays an automated message saying the number is no longer in service. 


I'm writing to ask for help by some sort of regulation to not allow this to happen any longer. It is crippling my generation and will lead to a very imbalanced socioeconomic future.
Product: Debt collection

I recently reviewed my credit report in XX/XX/2020 and I found a collection account named AFNI. AFNI did not send me a notice of a debt. In fact, they do not even have my current mailing address. I have disputed this information with the credit bureaus. AFNI keeps closing and reopening this account on my credit report and re-aging it. AFNI is dishonest and less scrupulous.
Product: Debt collection

This debt was removed from credit report in XX/XX/XXXX for unfair practices ( changing the dates the account was opened, changing the dollar amounts that were owed, changing the payment history, etc ) Commonwealth finance has now re reported this debt on my report. 
It first showed up on my credit reports at the end of XX/XX/XXXX, with an open date in XXXX. It was also listed as " other/ loan '' with a 1 month term. And was listed under a name that was similar but which is not my name nor is it a name I have ever used. 
They debt collector also never sent any notification to me about the debt, about collecting the debt, or reporting the debt on my report again. I still have received no written correspondence from the debt collector. 
After disputing the account with the credit reporting agencies. The debt collector changed the name listed to my name, changed the open date to XX/XX/XXXX. 
I believe the practices by this company are illegal and fraudulent, and are not in compliance with laws governing fair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Inquiries on my Trans Union report don't belong and the credit reporting agency above will not remove them after trying to issue a dispute with the reporting agency ( 1 Factual Data XX/XX/XXXX ) Trans Union will not remove the inquires off report I was told all inquiries had to stay on report this is not fair called on XX/XX/XXXX
Product: Credit reporting

credit agency continue to report " PUBLIC RECORDS '' ( XXXX XXXX MAGISTRATE COURT ) account not mines and outdated since 2010 over 7yrs olds and reported on file 2 times same data/ dates ... violates " FCRA '' provision 606 and 623 ( a )
Product: Mortgage

I was unemployed for four months ( XXXX XXXX through XXXX XXXX, XXXX ) and got a new job. I stayed current with my mortgage the whole time. After I went back to work I asked Ditech if I could get a loan modification to help lower the payments. In XXXX, XXXX, they told me to pay $ XXXX month for four months and then they would tell me what my permanent payment would be. After the initial four month period, I kept calling in to find out what my payment was supposed to be - I was told that the refi department was behind, just keep paying {$1400.00} - which I did. It took them 8 months after the initial 4 months to give me a final number and they reported me 60 days late for XXXX XXXX and 90 days late for XXXX XXXX to the credit bureau. They did not report for XXXX XXXX at all. I called to complain, but was told tough luck. Just for information sake, I am the XXXX of XXXX for a XXXX XXXX and know how to handle credit.
Product: Credit reporting or other personal consumer reports

GIVING ME XXXX  AND I WON'T ALOW IT. 

I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.
Product: Credit reporting or other personal consumer reports

I am actually unsure what happened I just was trying to check my credit and I seen the wrong information on all the credit checking apps. My date of birth is wrong on the apps.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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.
Product: Student loan

I've contacted the company a month after they've received my deferment and forgiveness applications ( 4 ) and they stated, " we don't have them in the system ( or have received them ) ''. Please see attached delivery receipt per USPS and applications. Finally, this is the 3rd time they have refused to process my applications since last XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent out a debt validation letter to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are  not deleted immediately. I Have been ignored with each request by Experian only, XXXX have removed the negative items without prejudice. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2020 without proper validation. I do believe this is a prejudiced response.
Product: Checking or savings account

Wells fargo sent me a letter of a dispute I filed saying they are going to be reversing the dispute and taking out the funds but the letter they sent were two and one of the dispute was closed and fine and the other said they will reverse the funds but the dispute is for the same exact 2
Product: Vehicle loan or lease

The car was deemed lost stolen and I had insurance and gap on the car and I went through all the process of paperwork to get the car paid off and there are still telling me that I have a balance of I think {$6000.00} to pay out and a total that the gap was covered in my insurance processed the check and theyre trying to give me a runaround about some Wheel warranty on the vehicle, but the vehicle was stolen for me
Product: Debt collection

I sent the company a letter on XX/XX/2019, a request to validate the debt, they did not and continue to send harassing letters. 
the medical bills were paid by the insurance company and the hospital is trying to say they did not get paid enough.
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 XXXXXXXX - DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

We deposit our money with Wells Fargo. 

However, their poor fund management led to the theft of {$40000.00} from my fund. 

And someone else stole my PHOTO ID to take the money, And the bank does not cooperate with the claim and recover the funds. 

We have reported it to the police and they have been involved in the investigation of this case.
Product: Payday loan, title loan, or personal loan

Republic Finance, by their own admission, does not show the amount of your next due payment on your online account, until the due date itself. If you sign in to check your account prior to the due date, even just one day before, so you can know how much money you need to reserve for your payment, it shows : Amount Due on : XX/XX/2021 {$0.00} I signed into my account on XX/XX/2021, the day before my due date, to see the amount and go ahead and make my payment. It showed Amount Due On : XX/XX/2021 {$0.00}. 
I was a little surprised, but I thought I may have paid enough for this month when I made my last payment. Ive had that arrangement with them before, where for instance if I make a payment that is 3x my monthly payment amount, then I dont have another payment due for 3 months. Since it showed {$0.00} due, I did not include this months payment in my budget. Today I received a call from the XXXX, GA Republic Finance branch office. When I called them back I said I was confused about why they were calling me because I had checked my account and it said I didnt have a payment due. The woman who answered my call said she knew its a little bit silly but their system doesnt show the amount due until the due date and afterward. To make sure I understood what I was hearing I said that with every other bill Ive ever paid you can see how much you owe prior to the due date so you can plan how much money you need to reserve and budget accordingly, and asked if she seriously meant that you can not see your amount due prior to the due date. She said yes, it does not show your payment amount until the exact day your payment is supposed to be made. 

My payment date is the XXXX of each month. I checked my account in XX/XX/2021. I received a call from them ( XXXX ) on XX/XX/2021 at XXXX EST. I returned their call ( XXXX ) and had the conversation described above on XX/XX/2021 at XXXX EST.