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

I am filing a complaint as capital one has failed to deposit my direct deposit funds from my employer. Capital one states there were technical issues and the problem would be resolved the next morning Friday and it is now XXXX  XXXX XXXX. And the issue is unresolved. These technical issues XXXX violate the electronic funds transfer act EFTA as it requires timely access to funds. This concern raises concerns about consumer protection laws am I request assistance in investigating the matter to ensure my rights are being upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX trans union are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection
Product: Credit reporting 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 U.S.C. 1681. 

Account Name : XXXX XXXX  Inquiry Date : XX/XX/year> Account Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/year> Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>, Has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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: Debt collection

Affiliate Assets Solutions with phone number XXXX, keep calling me, my family, my friends and my employer constantly harassing me although I have told them to stop numerous of times. Because of them constantly calling my job and threatening my employer, I really worried about losing my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX, XXXX, AND XXXX 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. 

XXXX  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
Product: Consumer Loan

I have applied for loan max title loan and I have been paying on this account since XXXX/XXXX/2014 I received the loan on XXXX/XXXX/2014. now I have been paying {$210.00} every month to find that because i was late the money paid every month for almost 1 year will not count against the principal or the loan only interest which i totally do n't get. so these people are telling me that i have still have an almost {$11000.00} balance and the loan was for {$850.00} i have already paid {$1200.00} This is robbery as well as unfair business. I need assistance ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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 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 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  
XX/XX/2021 unathrozied inquires fruad
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX XXXX who offered trading services as an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX is not regulated in USA where I live. I now understand that XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. this fraudulent company opened the bank accounts with East West Bank here in the USA. The beneficiaries were XXXX XXXX and XXXX XXXX. who received the monies that I sent from my bank ( XXXX XXXX ). I was also a victim of East-West Bank because they should never have engaged with XXXX XXXX. If they had done proper due diligence with their client, obtained KYC documents and followed anti-money laundering laws, East West Bank would have realized they were a scam. I would say it is likely East West Bank knew they were a scam and engaged with them simply for their own monetary gain at the expense of victims like me. My attorney has sent a letter to East West Bank ( see attached ), detailing all of the above and more, to which they gave a very unhelpful response ( see attached ). I want East West Bank to either retrieve my monies from their client XXXX XXXX or in the alternative, to reimburse me for my painful loss of {$54000.00}
Product: Debt collection

XXXX XXXX from XXXX Capital Management has been contacting me about a debt. I called her back once and she was rude, unprofessional, and tried scare tactics to get me to agree to a new contract when I told her I still had questions. She said I only had a few minutes to decide and used abusive language. When she knew I wasnt going to agree to something without getting my questions answered and understanding, she hung up on me. When I asked to speak to her supervisor via email, she ignored my requests.
Product: Debt collection

XXXX is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from XXXX XXXX via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. XXXX did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to XXXX ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.
Product: Payday loan, title loan, personal loan, or advance loan

I am only XXXX XXXX XXXX ; and somewhat naive to the process. When I borrowed the {$750.00} in Loan Number XXXX. The company failed to disclose that the annual interest rate was 703.2 % and that they expected XXXX installment payments of {$100.00}. I borrowed {$750.00} and they want me to pay them {$4000.00}. This is a ridiculous and exorbitant amount of interest and they should not be allowed to get away with these unethical business practices. The business name is AFS CS d.b.a Three Sticks Lending ; XXXX XXXX XXXX ; XXXX XXXX  XXXX phone number ( XXXX ) XXXX
Product: Debt collection

I do not believe that this debt is mine. I have no affiliation with this company nor did I ever use the.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and realized a 30-day late payment was placed on their XX/XX/2022. I reached out to the creditor and credit bureaus about deleting this negative mark on my credit reports. They both only responded that the mark was accurately reported in which is was not. This has caused my credit score to drop XXXX points. 

The following account/late payment should not be reported late without my written instructions or consent. The credit bureaus are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) THE LAW CLEARLY STATES : A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

This means the late payment should be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or scores, only the Experian report is available. Despite providing accurate personal information I don't have all the information i should have to gain access to my report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to access their credit reports and scores. Furthermore The Annual Credit Report website has not provided said information, due to a payment being required, whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to gain access to my full credit report and scores..
Product: Credit card or prepaid card

I made a large online purchase at Lowe 's using my Lowe 's Store Card in XX/XX/2019. During checkout, I was presented with the option for a 5 % discount or 24 months 0 % financing. I selected the 24 months 0 % financing option. 

Lowe 's Store Card, via Synchrony Bank, did not apply the promotional financing to my account and I was billed for the entire amount on my XX/XX/XXXX billing statement. Any unpaid balance would be subject to 26.9 % interest instead of having 0 % for 24 months. 

I called the Lowe 's Store Card customer service line and explained the problem. They informed me that they would correct the issue and issue a new bill to me.

Lowe 's Store Card never issued a new bill and they claim that my payment for the old bill is delinquent. In addition Synchrony bank has lowered by credit limit on this card by {$5000.00} which is damaging my credit score.
Product: Credit reporting or other personal consumer reports

I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me 1099c like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is just some of them, I have disputed and asked for validation from XXXX  over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX, i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document XXXX including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe XXXX the route
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, and Wells Fargo Card Service. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I have been receiving numerous calls from blcoked numbers leaving threatening harsh messages. I finally called the number left. Had to call back 6 times because they kept hanging up on me when I asked for information. They yelled and cussed at me. Refused to give me any information other than I supposedly owe a debt to Check-n-Go from XXXX, 8 years ago for a payday loan. I can PROVE I did not work in XXXX, I haven't worked since XXXX due to health reasons. I have no idea what they are talking about. All I can do is assume this a case of fraud or identity theft. 

I have called all these numbers trying to resolve this issue and was just given the run around. Nobody would even tell me how much this debt is, they just kept asking for my personal information they refused tell me anything.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX with my address on a bill purporting to collect a debt from a PayPal account but with someone else 's name on it. I do not owe anything to PayPal. This person or company is applying my address to someone else 's debt. I am sure this is a scam at best and could represent identity theft.
Product: Debt collection

capitol one h as been harassing and delaying removing negative items on my report that have been obtained with out my authorization, this has a negative reflection on my credit report.
Product: Mortgage

I originally got approved to have a home built on my property by a company called XXXX XXXX and later they sold my loan to several other comp, anies every five years my loan get sold, I can remember a few names one is lending tree and now Ditech has the loan. I tried to refinance my loan thru lending tree they said that they don't do refinancing, And here is the kicker a company name lending Tree called me said that they could lower my mortgage payment and they said that I had to send nearly three thousand for fees, so I sent the money and found out that it was a scam the people that was a part of the scam was caught and was sentence to prison, my thing is I called lending tree the number that was on my mortgage payment and later after I hung a scam company under lending tree called me, how did these people know that I had wanted to refinance my loan, I think and know that this was an inside job. I was pressured at the time I signed the contract, I was nearly homeless so I sign the contract because the lady said that if I didn't sign that they would not do another contract if I didn.t sign that one, my intrest rate is very high I tried to refinance again I was told that my contract doesn't allow me at all to refinance and that Ihave to pay the amount of interest until the loan is paid
Product: Mortgage

I applied for a short sale close to four years ago to HSBC. XXXX years in the process after submitting many documents they claimed they lost my file and that I had to start over. Over the last XXXX years, my attorney and myself have provided all documents to HSBC well before the deadline with a faxed confirmation as proof and now for the XXXX time, HSBC has closed the case and denied claiming they did n't receive the documents despite the proof we sent in. I have had a cash buyer waiting to purchase at a price acceptable to HSBC. Even knowing this, they are asking me for the XXXX time in two years to yet again provide documents only because they claim to not receive. I feel discriminated against, as I know short sale process, and this is very unusual how I have been treated even after following their guidelines.
Product: Mortgage

After telling my lender about the details regarding my foreclosure years ago, he brought to my attention that I had been seriously cheated into foreclosing and told me about the CFPB, strongly recommending that I file a complaint to have the foreclosure removed from my credit history. In short, Wells Fargo refused to take funds from a XXXX veteran program that took me two years to get approved for. The funds were designed to help XXXX veterans who had lost over 50 % of the home 's value in the XXXX-XXXX financial collapse. After months of being passed around from section to section within Wells Fargo, I was advised by a realtor to stop paying my mortgage payment in order to give them incentive to accept the funds that were delegated by the HAP into a safe trust account to pay off my loan. After months elapsed, they were still unwilling to let me pay off my entire mortgage with the funds, at which point I was unable to catch up on payments and was forced into a foreclosure. My wife and I are currently trying to buy a home and the foreclosure that happened years ago is completely preventing us from getting approved. I am requesting that any and all history of my foreclosure be removed from my credit report. Please see attachment of my approval letter for 100 % loan pay off. I have more records of this spanning over the two year period in which I did everything in my power to encourage Wells Fargo to accept the funds from the XXXX XXXX XXXX XXXX ( program is called the HAP or Home Owner 's Assistance Program ). I contacted my congressman, local news channels, visited three branch head managers, etc. For years I thought I had exhausted all of my options until just recently finding out about the CFPB. Any help on this matter would be greatly appreciated.
Product: Student loan

I have XXXX student loans with Navient/XXXX. I have just heard of the lawsuit that has been brought against this company. I am not sure what is going on with my loans, but I need help. I graduated in XX/XX/XXXX. I do know that I reconsolidated once and then at one time my loans were frozen ( for one semester ) while I completed XXXX in XX/XX/XXXX. However, it appears that the amount I have paid, the majority goes to interest. As you can see from the XXXX attached statements of my account, the current balances are n't much less than the original principal amounts of the loans which were issued in XX/XX/XXXX. I am not sure what 's going on. I have been seeing money go out on a monthly basis and no progress made, which is usually around {$260.00} per month. The majority of this payment goes to interest, leaving the principal almost untouched. Navient does not give the option to pay more than what they request on their website, and I feel that something is wrong with my account and how Navient/XXXX has handled it. I question it further now, seeing as the lawsuit against them has just come to light with the complaint of very similar issues. I have been told by Navient that these loans were to be paid off in 10 years. There 's no way. I graduated 9 years ago and the payoff date listed on the account is XX/XX/XXXX??? Somehow I still have 8 more years?? Something does n't add up here. I need help. There is no way that with the payments I 've made, and the interest they 've charged, that these loans will be paid off by that time. I have made almost no progress on these loans and have been charged so much interest, my balance is just now getting below the principal amounts. Please help me. I feel that this company is robbing myself and XXXX others blind.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors in my credit report with the dates. They continue to change the dates on accounts from portfolio recovery, which I never had any debt with. I filed a dispute and the result was that dispute resolved, customer disagrees. Yet the dates are still incorrect. I was told the best thing to do is to file a claim with FCRA attorney against the FICO agency. Some of these accounts might be passed the 7 yrs and thats why they continue to update the dates.
Product: Checking or savings account

Wells Fargo deposited a check I'd generated payable to the order of XXXX XXXX XXXX into their corporate-client XXXX XXXX XXXX Wells Fargo Acct # XXXX. They refuse to return the money to my account for their error and are advising it is MY responsibility to get those funds back from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax  confirmation number XXXX
Product: Checking or savings account

I am a member of USAA bank. I was going on a trip and wanted to deposit physical cash onto my debit card. I went to the XXXX XXXX  ATM on XX/XX/XXXX at XXXX XXXX  Mountain time at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah. I deposited {$280.00} in cash into the ATM and the " attempted deposit '' failed, I received a receipt stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number on the back of your card ''. I did not receive the electronic transaction nor did the ATM give me back the XXXX in cash I deposited. I went into the XXXX XXXX  with my receipt, but the teller said she couldn't help me because " XXXX XXXX  does not own the ATM outside '', despite the fact that the ATM says " XXXX XXXX  '' on it and my receipt says XXXX XXXX  on the top. I contacted USAA on XX/XX/XXXX to submit a claim disputing this action and even submitted a photo of the receipt from the ATM. On XX/XX/XXXX I received a document stating " We don't have any record of the deposit attempt ; therefor, we're unable to further assist with the deposit dispute. Please contact the owner of the ATM for further assistance ''. I am willing to provide scanned photos of each document.
Product: Debt collection

This account has recently been added onto my credit report as a collections account. This account has already been discharged though bankruptcy