23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i ha disputed items on my credit report that were in accurate, several time with no results i have even got creditor involved and getting theses items removed because they are not correct. in the disputes equifax claim the verrified the info and i know thats not true because the creditor knows the info i s not right. the creditors or XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX. each has been assisting me in trying to get items removed. equifax is not properly verifing the disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking through my personal information through Experian I noticed that there were two mistaken addresses. I filed a dispute but when I check to see the results they werent removed. Ive never lived at those addresses and I do not receive mail there. They should have been removed. I did file another dispute and Im waiting on those results.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One banks failure to deposit m

y Direct Deposit from my Employer and any incoming deposits. Capital One has cited technical issues, which violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. Additionally Capital One failed to communicate with affected consumers in a timely fashion, and declined public comment until 48+ hours after the incident began. 

I request your assistance in investigating this matter to ensure my rights are upheld. 

Thank you!
Product: Mortgage

I have been trying to resolve issues with this company since XXXX XXXX and have been treated poorly and nobody was willing to listen to my problem. It started with me switching banks. I contacted Loan Care to stop the payment in one bank and take out of the other. I was informed that it could not be done, it was too close to the payment. They proceeded to take it out twice and both times returned. I then agreed to pay twice in XXXX to bring up to date from new account. I had a deposit from the state of XXXX into my new account. I then was informed this deposit would be held for 10 days due to an ACH glitch, so I informed Loan Care but they continued to take out a payment that was returned. I then paid two payments from on line banking to Loan Care in XXXX. My bank both listed them as processed with a conformation number. I did not think about it again thinking I was current and the issue was resolved. I then get a foreclosure notice that I am 60 days overdue. Loan Care blamed my bank that they never sent the funds. I contacted my bank and they informed me it was sent and for some reason was returned. By now it is the XXXX XXXX and I called and said you already messed my credit and I do not want to be 90 days so take the money now. The rude customer service representative said no I can only pay by certified check. I took off work and ran to the bank and then the post office. I sent it the fastest way possible since on XXXX  it would be 90 days. They did not process until XXXX  so now my credit is ruined. I borrowed money from my pension fund to pay all fees and bring the mortgage current plus some. I used my bill pay feature and XXXX was sent and processed. I now received another call that I owe XXXX. I said once again payments were processed and Loan care did not process them. They put me on hold and said all the payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were returned because I can only pay by certified check. Now I have to miss another day of work to go to the bank, when nobody ever notified me of this. I am so angry but when I ask for a supervisor, I am placed on hold so long I hang up.
Product: Credit card or prepaid card

Green Sky was the chosen financing for XXXX XXXX XXXX XXXX XXXX XXXX. We spent {$6000.00} on financing with them. When I set up the account on line the website would only allow me to pay {$120.00} in finance charges due. The web site would not allow me to increase the amount, there was no link to allow that. I called XXXX several times to change the amount of my monthly payment and was told by the recording that there were 33 calls ahead of mine. However, within less than 4 minutes there was a representative on the line. My " interest free '' promotion period was over on XX/XX/2018 and received to e-mail notification that it was coming due. The statement I received was going to charge me {$1300.00} in finance charges because I did not pay it off by XX/XX/2018. When I called to pay the debt off with the finance charges totaled {$6200.00}. I was told that because I called 4 days late that they would make my day by allowing me to pay off the debt without paying the interest rate of 23.99 % .Every time I attempted to make a payment I had to call in ( at customer # 33 in the line ) in order to reset my password so that I could make a payment. 
I am grateful that I have the ability to pay this off. There were numerous complaints that really concern me that they are taking the consumer for a ride and putting them at risk because of their unfair payment practices and stalling techniques. 
DO NO CONSUMER HARM. They are creating hardship for many consumer by these unfair practices. 
Stop charging past due fees for your unfair practices.
Product: Payday loan, title loan, or personal loan

Last week the company called me while I was at work ( and out of town, I do travel for work ). I had missed my payment, my fault. I told " XXXX '' not to call me at work. I came home and ( my fault again ) forgot about the payment. I was at work today and XXXX again called me at work. I told him, that I had said not to call me at work, and that I could n't take care of it right then, and I would have my wife call. He then threatened me by saying if I did n't resolve the issue right then he would have to " take action '' and continued to harass me.
Product: Debt collection

My sister took out a high interest loan with this company, then lost her job and defaulted on the loan. I am not a party to the loan in any way, shape or form. The company somehow figured out I am her sister and started calling me. I have received more than ten calls from a variety of telephone numbers. One person asked for my sister by name and when I explained I am her sister, they blasted very loud and menancing music into the receiver. Another time, a recording asked for my sister by name. Now they call frequently at all hours. My research indicates it is illegal for collection agencies to contact debtor 's family members, but they keep harassing me.
Product: Credit card or prepaid card

I received a call from my credit card Fraud Department ( Citi ) in XX/XX/XXXX that my credit card had been compromised and they closed the account and issued me a new card. There were a total of {$2300.00} of fraudulent charges on my account that I did not make and did not authorize. <P/>Citi investigated this matter and on XX/XX/XXXX I received a letter from them stating that they are reversing all the fraud charge claims I had previously submitted and that I am now responsible for the full amount of these charges and that their investigation is closed. Also their bill has no address to send certified mail only a XXXX  would be given where it is not possible to confirm any receipt. <P/>Also their bill does not include address to send billing disputes. <P/>I am requesting your help to resolve this matter with Citi bank
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, as provided by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion regarding these discrepancies. To date, I have not received a response. I am providing the following details of the inaccurate information and the requested corrections : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} Disputed Balance : [ Your Recollection ] I dispute the reported balance of {$1500.00}, as I remember the amount being lower. Furthermore, the Past Due amount should not be reported, as this account is closed and charged-off. I kindly request that TransUnion mark this account as disputed to prevent any further negative impact on my credit score. 


XXXX Date Opened : XX/XX/XXXX Reported Balance : {$7500.00} Disputed Balance : [ Your Recollection ] The reported balance of {$7500.00} is incorrect and has significantly affected my credit reputation. The Past Due information should not be applicable to a closed and charged-off account. I need TransUnion 's assistance in resolving this matter with the creditor and request marking this account as disputed. 


XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} Disputed Balance : [ Your Recollection ] The reported balance of {$1500.00} appears to be higher than what I remember. As the account is marked as closed, the Past Due amount should not be reported. I intend to contact the creditor to rectify this discrepancy and request that TransUnion mark this account as disputed in the interim. 


XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} Disputed Balance : [ Your Recollection ] I question the accuracy of the reported balance of {$2100.00} for this account. The account is marked as closed and charged-off, and therefore, the Past Due amount should not be reported. I plan to contact the creditor for clarification and request that TransUnion mark this account as disputed. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.
Product: Debt collection

The Law Office of HARRIS and Zide obtained and shared my nonpublic personal information WITHOUT my consent and without giving me the option to opt out of such sharing. This is identity theft. This is also in violation of 17 CFR SUBSECTION which states 248.10. 248.10 " Limits on disclosure of nonpublic personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this subpart, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 248.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 248.7 ; '' First, The Law Office of HARRIS AND ZIDE had no lawful right to obtain my nonpublic personal information. Next, The Law Office of HARRIS AND ZIDE has no lawful authority to share my no public personal information with XXXXXXXX XXXX XXXX XXXX. according to this law. As well, this could be considered harassment under the applicable United States Code if my Nonpublic personal information was sold by The Law Office of HARRIS AND ZIDE. The Law Office of HARRIS AND ZIDE is to cease all sharing of my nonpublic personal information and stop attempting to collect any fees, debts and alleged debts from me at any time.
Product: Debt collection

Hello, First, the debt collection agency ORION RECOVERY, did not present a contract ( VERIFICATION OF DEBT ) as requested in  XXXX    XXXX   Orion Recovery -- claimed to have sent me verification documents back in  XXXX    XXXX   verifying the debt but I have not received such. Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor.   Secondly, the original amount that was supposingly owed now has added interest which is a violation in the state of North Carolina  (  which is my state of residence ) according to  58-70-115 . Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. (  5  ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii  )  reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.
Product: Credit reporting or other personal consumer reports

I submitted a complaint for the removal of XXXX  reporting on my credit report. You said that during you investigation, you located and verified the following records belong to me. Please supply the documents as proof that they are mine because I'm telling you. these XXXX  is not mine and is result of XXXX!! This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX repossessed my vehicle and in less than 2 weeks I had an appointment to pick up my personal items. I arrived at the time of my appointment to be told by the only one working that she had accidentally left my personal items in the vehicle after she had gone through them and bagged everything up. She told me that they transported the vehicle an hour and a half away to XXXX and that they were trying to get it back. I asked 3 different agents over the phone that day to get a manage to call me. Once I finally spoke to a manager he told me hes working on it and that its their fault. He told me on XX/XX/year> he would get me my stuff at the latest on XX/XX/year>. Today XX/XX/year> I called him and he said hed call me back and has yet to respond. I want my personal items back and I want this company held accountable.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo has charged me with an overdraft fee on multiple occasions where there was funds in my account at the time of the charge. Instead of declining the charge would go through and then I would later receive an overdraft fee for having a negative balance. This has happened on more than one occasion. It happens especially often with XXXX services
Product: Credit card

Hi, I disputed several charges in the past 2 years that were resolved in favour of the merchants. The bank did not provide me with the merchant responses, i.e. what proof they provided to support the charges, or any letters discussing why the bank ruled in their favour. I request this documentation again now. Please send this to my email so that I can review whether this outcome is correct or not. Thank you.
Product: Credit card or prepaid card

Chime ( XXXX XXXX )  advertises a Credit Builder Card that you deposit funds to and then spend on. This account has never been in the negative as far as I was aware, as the account always appeared funded. Apparently, there was a " Secured Account '' linked to this card that is NOT visible through the Chime Banking App that has been ranking up 100s in charges. I need help determining what I truly owe to them but this seems EXTREMELY predatory. To make the debt not visible, allowing me to think that my " secured '' credit card was funded, and to not show what i " owe '' on XX/XX/XXXX until the beginning of XXXX seems very suspicious. Please help!
Product: Credit card or prepaid card

XXXX XXXX XXXX and XXXX XXXX defrauding XXXX XXXX and XXXX Veterans during the pandemic. Illegally withdrawing money from my XXXX XXXX  account causing me to lose multiple cards. Asking for 5 copies of my signature, asking for y medical insurance account information. garnishing my XXXX, garnishing my social security, refusing to credit my account. locking my account. Non-compliant for over a year on emails, phone calls, inflating the bill in front of law enforcement by over {$1500.00}. 

THESE PEOPLE NEED TO BE IN JAIL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Student loan

I made student loan payments during Covid. With President Biden 's law changes, we became eligible for loan forgiveness and I requested for my payments totaling approximately {$170000.00} during Covid to be refunded through Mohela, my student loan servicer. This request was submitted XX/XX/XXXX, and according to MOHELA, the request was ( again ) sent to the treasury on XX/XX/XXXX. I received a partial refund to the amount of {$110000.00} on XX/XX/XXXX which was a refund of payments during Covid time to MOHELA. The problem is I am still awaiting the rest of my refund to the amount {$65000.00}. When I call MOHELA, they say it is up to the Department of Treasury but I can't contact the Dept of Treasury. I am now making payments on the full {$170000.00} but haven't received my $ XXXX back. 

To reiterate, I am still missing a check for XXXX that was my payments to XXXX.
Product: Debt collection

XXXX did not advised me this was attempt to collect a debt and also stated they would remove it off my credit report while they investigate it still remains on my report and the address that is on this account is a address i have never lived at.
Product: Credit card

I opened a XXXX checking account with Capital One Bank. I attempted to transfer funds from my previous bank " XXXX XXXX '' into my XXXX checking account. Apparently without me knowing my XXXX checking account had already been closed and the funds on the account were locked due to the closing of the account. Capital One considered it suspicious because the funds were returned to the XXXX account which I did own and had rights to. 

Capital One never asked me about anything before closing my checkings, savings, and credit cards which I believe is unfair. The situation should've been investigated before just closing and ending years worth of a positive banking relationship. 

I also had just got approved for a XXXX Capital One card with a credit limit of {$500.00}. So XXXX closed my account and I have a hard hit on my credit for a card I can now no longer use due to a simple mistake / misunderstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX  and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX/XXXX # XXXX This is a loan that is not mine and never has been.
Product: Credit reporting or other personal consumer reports

I have been lied to by XXXX. I asked them to investigate this account on my report because it is inaccurate but they are refusing to remove it after I have provided documentation that this account is inaccurate.
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 USC 1681. 

Account Name : XXXX XXXX Account Number : 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  and 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.
Product: Payday loan, title loan, or personal loan

I took out a installment loan with XXXX XXXX XXXX, I made payments and paid down the loan, then had to take more money out. In XX/XX/2018 I had my first XXXX XXXX and I was unable to pay the current payment, Nevada has no XXXX in the State, the manager at the office I took the loan was rude and forceful about me having to commit to payment or he would do nothing for me. I said how can I commit to a certain payment when I have no income? He hung up on me. I tried to catch up the payment, I got back to work and had a second XXXX XXXX, then an XXXX with the XXXX  put in, then XXXX XXXX XXXX, all of which placed me back and forth in the hospital. I tried to borrow some money to make this payment, but could not. This company has called my employer daily and more then once, today I was informed by my employer that the person actually wanted to know what hospital I was in so he could contact me. When my employer would not tell him he hung up. Several more people called all day long and my employer called me again and said I must stop this, he can not run a business with all these rude people calling to collect this debt and asking inappropriate questions and refusing to stop the calls. My son was contacted as well, my sister was called and harassed and asked for a payment. Unfortunately I don't have money, I have paid so much interest, and all I ask for is more time, but they won't work with me and I don't know when I will be back to work.
Product: Student loan

My loan is being transferred from XXXX to Navient ; and they are unsure of where the loan is in its processing. Navient is the recipient and has no record of me. XXXX is the seller and has a general time frame of 2 to 4 weeks ; but is not able to deal with my loan any longer. This means I am not able to make my monthly payment. When I do n't make a monthly payment, the interest continues to accrue on the current balance, rather than the slightly lower balance it would be at, should I have been able to successfully pay my monthly bill. Thus either XXXX and/or Navient will earn an additional profit by temporarily losing track of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose