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

On XX/XX/XXXX, I mailed an in-full monthly payment to my Capital One business credit card for the XXXX statement that was due XX/XX/XXXX. When I received my XX/XX/XXXX statement, it indicated a balance that also included the past XXXX statement amount, plus a {$39.00} late fee charge and {$17.00} interest charge. 

I immediately called Capital One ( XX/XX/XXXX ) to find out why they had not credited my previous payment. The customer service rep, XXXX, claimed it was never received. I ask not to be charged the additional fees because I had mailed the check and I could only assume that it was lost in the mail. They agreed to deduct the additional fees within 3-5 days while allowing 7-10 days to receive my replacement check for payment.

In the meantime, I received a letter from Capital One ( dated XX/XX/XXXX ) that returned my  check to me. The letter stated they were unable to process the check due to damage. The check they returned to me in the letter looked as though someone had taken a pair of scissors and had purposely cut a series of the banking numbers out of it. I again immediately called Capital One ( XX/XX/XXXX ) to find out how the check damage '' might have happened ( XXXX claimed a machine opens the received checks, not a person ) and why they would have charged me a late fee and interest when Capital One had already known of the damaged check and of its return to me ( XXXX claimed a computer automatically generates related late fees ) and why, when I previously called on XX/XX/XXXX, that none of the information related to the damaged check was noted and in their system. XXXX made profuse apologies and excuses on behalf of the companys machines and computers but according to her, no human was responsible for any of the problems I was having. 

The next insult from Capital One came an hour after that conversation when I attempted to charge a {$3.00} USPS postal fee and it was declined. Despite being told on XX/XX/XXXX that I had a window of 7-10 days for the replacement check to be received only 5 days had passed so why was it declined? When I called Capital One ( same day ) to complain about the declined charge, XXXX explained she couldnt help me change the status of my card, that it was out of her hands as my account was automatically put on hold due to non-payment. 

So my complaint-inquiry is twofold. First, is it legal for Capital One to have applied late fees and interest when they were aware that their equipment was the reason the check was damaged and not able to be processed? Doesnt Capital One have a responsibility to also change that automated process ( which should n't have charged me late fees in the first place ) as well as institute a grace period for the customer to send a replacement check when this type of internal failure happens on their part? 

A response from a capable, problem-solving human would be appreciated.
Product: Credit card or prepaid card

Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.
Product: Consumer Loan

I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least XXXX conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite having ask at least 3 times before. He replies, to get it online, my reply was how can I get it online when you told me I have no access, he starts telling at me to stop yelling, which I was n't. He hung up on me. I am told so many contrasting and different rules by workers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I opened a loan with Credit Acceptance and after a few months I began to have problems with the vehicle, while I understand they didn't have anything to do with the service of the vehicle, I was doing my best to keep up payments as well as repairs which eventually became overwhelming and I couldn't do it any more, eventually XXXX  XXXX, I explained to " credit acceptance '' that the car was in the shop and I wasn't going to be able to get it out and I was filing XXXX, as I looked into my contract I realized I was being charged more interest than agreed upon, I told them about it and they no longer would accept my calls, until the XXXX was dismissed and they started calling me again wanting the full balance of the car as if they were not getting payments through the XXXX.
Product: Checking or savings account

I contacted 5/3 Bank two times by their Internet contact form instructing them to close my account. They refused to do so, stating I had to go to the branch. After the first time I was given this information, I responded back instructing them to close the account because I live in an area where people are non-compliant with masking, vaccination, or any other Covid mitigation. Talking to someone from my area in person or going into a small bank branch would be far riskier than being bitten by a rabid possum.

I then called the telephone number for customer service, and the person there repeated the same information by rote, even after I repeated my concerns that this was a death sentence for me and my family. The individual refused to respond about what would happen if I died ( presumably, unable to come into the branch ).
Product: Debt collection

This company is sending me unwanted letters for a debt i do not owe. i have no knowledge of this debt and it does not belong to me. i have for the last several years been a victim of identify theft due to my social security being disclosed as part of government data breaches at the Department of Veterans Affairs and with XXXX. I've spent the last two years trying to reclaim my identity and these types of unscrupulous collection agencies are not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the fact that I have disputes them countless times at Equifax, and also have filed numerous complaints with XXXX University, they continue to report the status of my two loans as actively 120 days delinquent. These two loans have actually been closed for nearly four years by now. They are doing this maliciously, so that these accounts will suppress my credit scores more than they should. The Fair Credit Reporting Act promises that all individuals can have an accurate credit report. But XXXX University continues to violate my federal rights by reporting my accounts as 120 days late, as opposed to closed 4 years ago. And furthermore, Equifax is also complicit in allowing this falsehood to continue. The account numbers in question are XXXX and also XXXX.
Product: Credit card or prepaid card

I tried to make my payment online before the due date of XX/XX/XXXX. When logging in, the XXXX XXXX XXXX/Synchrony Bank system REQUIRES you to provide a phone number AND to give them permission to contact you via the mobile phone if you give them a mobile phone number. My only phone number is a work cell phone and I am not permitted to receive personal calls on it. It is impossible to proceed past the " Update Information Required ''  page without giving them permission to contact you via cell phone. 

After trying to make the online payment, I tried to call them at the service phone number XXXX. I was not able to make a phone payment because the agent required me to " verify my phone number '', and when I told them there shouldn't be one on the account, they told me I was " required to have a phone number '' and could not proceed without one. 

I again tried to call to make a payment on XX/XX/XXXX, and was again unable to pay my bill without giving them a phone number. 

I therefore mailed my check, on XX/XX/XXXX, and it was received and processed by Synchrony on XX/XX/XXXX, obviously after the XX/XX/XXXX due date.
Product: Payday loan, title loan, personal loan, or advance loan

We pay from a checking account for a solar loan. This checking account is a house account, not our personal ones so we regularly send money to pay for house expenses to this checking account ( example for mortgage, utilities, solar payment ). 

Apparently there was not enough in the checking account to cover this months solar payment. Instead of emailing, texting, or calling to leave a voice mail, they spammed our phones with unknown number phone calls until my husband answered one. They were aggressive with him and was threatening that a late payment would hurt both of our credit scores ( obviously late payments hurt credit scores, but they were being really aggressive about it ). 

All I need to do is transfer money. They could have been nice about it, but they were aggressive and threatening.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XX/XX/XXXX XXXX and XX/XX/XXXXXXXX XXXX. Please delete these accounts ASAP.
Product: Mortgage

I was pursuing a mortgage loan modification and was presented a loan modification proposal and the lengthy application process. After reviewing the documents of the proposed modification I did not feel it was a reasonable deal. I took the next five months to look around and see what other options were available. After a five month search I felt I had no option but accept the original proposal from Select Portfolio Services. Upon contacting them they said my application and offer had expired. Two days later when I called them again I was told that I could, in fact, accept that original loan modification agreement. I informed them that i could not fine the original loan mod documents ; And would they they please rewrite them and send them to me for my acceptance and signature. They did, I signed returned and started making regular loan payments. 

I did not catch, that when the modification document was re-written and sent to me the second time, that the dates for the commencement of mortgage payments had not been updated to reflect my signing date, but had been left at the dates five months earlier, when the proposed modification had initially been offered. Original modification was offered XXXX/XXXX/XXXX and I accepted and signed XXXX/XXXX/XXXX. I have been five monthly payments behind ever since. 

I have applied for a second modification with Select Portfolio Services to resolve this issue to no avail. I have asked that they simple move those five payment to the end of the loan and return me to a " current '' status and they have refused. 

I need help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze my account with Experian Credit via their website which I have done in the past. I was told my login info was incorrect. I requested to reset my password but the verification to do so has a different phone number which is not mine. I have had the same cell number for 30 years which is the number I use 100 % of the time. I have tried calling 3 different customer service numbers for Experian which after trying every possible combination to speak to a live agent has failed. There is no option to speak with someone live and the advice is to login to my account. They will only give me instructions on how to do so which I can not because I can not identify myself per the wrong number. This is extremely frustrating and worrisome of how any of my info has changed. I need your help to be able to contact someone to get this ironed out. Please contact me with any questions. Thank you in advance for your help!!
Product: Student loan

My monthly payments are steady going up and I received no notice when my loan is due to be in repayment status and most of all instead of them consolidation get into XXXX loan I have XXXX multiple loans.
Product: Credit reporting or other personal consumer reports

Went to get my free weekly report and was told that I cant get it with no explanation as to why. Tried to call Experian to speak to someone about it but the automated machine refused to connect me to a representative. No matter what option I picked. It said that it can only transfer me on the limited circumstances, but did not provide what those circumstances are, so that I can speak with a representative. I have been trying to contact them all day to figure out why I can not access my free report online. As I said, they do not allow me or anyone to speak to any representative as they have set up their automated machine to not connect customers with representatives.
Product: Credit card

I have purchased multiple items with the online store from Ashley Furniture. We tried to return the purchase within 15 days due to missing parts and items damaged. We have reached out to the store and synchrony bank. They have told us in store and over the phone that they can not accept the return in store due to the size of purchase. Ashely has refused to accept the damaged items they sent and synchrony bank that is partnered with Ashely keeps sending us collection notices. We have had 3 disputes with them. Ashely 's response with Synchrony is that the items were delivered in good condition which is not the case and they were not signed for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my report , it hurts my credit history and it's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX is reporting an Account on my Consumer Report without my Consent. Trans Union XXXX and the Reporting company known as XXXX XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
Product: Checking or savings account

My XXXX was compromised and someone accessed my account to send themselves {$500.00}. They used my name and phone number to pay themselves to a XXXX XXXX account on XX/XX/2022. I have contacted Chase and filed a claim, but they are not promising a resolution. They say I initiated the transfer but I did not. I even called their Executive Team and spoke with a XXXX and all I get is a sorry but we can not help you. Sorry does not cut it. Sorry does not pay the bills, or buy groceries or fuel. Sorry does not put the fraudster behind bars. My account was hacked. XXXX says they can not help. I filed a police report. I just want my money returned to me. I will never again bank with Chase or use a merchant account, like XXXX. They are obviously siding with the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - eq
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card account ( account number XXXX ) was targeted by fraudsters who made unauthorized charges totaling {$300.00}. I took immediate action upon discovering the fraudulent charges by contacting XXXX XXXX XXXX XXXX  customer service to report the incident. However, to my dismay, they refused to remove the fraudulent charges from my account, leaving me responsible for the financial burden. 

The impact of this identity theft has been severe. Not only did it result in the tanking of my credit score, but I also had to bear the cost of paying off the fraudulent charges in order to close the account. Despite my relentless efforts, including writing multiple letters to the credit bureaus to dispute this fraudulent account, no proper investigation was conducted, and the account remains on my credit report to this day. 

The frustration I feel is overwhelming. Not only did I suffer financial losses due to this incident, but the charged-off account associated with the identity theft has had a devastating effect on my credit score. It is deeply unfair that I am forced to endure the consequences of someone else 's fraudulent actions and subsequently face the arduous task of rectifying this situation.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

My sole existing credit card with Capital One with no delinquencies was closed due to inactivity. Unfortunately, I was not given an opportunity in advance to correct this, as I am ready to, and the closure is adversely and disproportionately affecting me during the coronavirus crisis. My overall utilization rate, relatively long age of the account, credit worthiness, and diversity of creditors are now extremely affected by this decision that was made with zero forewarning to me. As my employment and credit score have already been negatively impacted by the crisis, this company is now responsible for actively preventing my ability to improve my situation by negatively impacting my credit score, which will affect my immediate employment and housing opportunities. I am ready to use this credit card actively and responsibly in order for its full restoration. 

The company called me to let me know that they will not correct this. 

I am seeking rectification of this by the company.
Product: Credit reporting or other personal consumer reports

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

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

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

I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit reports.
Product: Mortgage

Bank of America had court proceedings in reguards to obtaining ownership of my home without infirming me claiming thet did not have no clue where I was located .Which is not true because along with this complaint I will fax to you documentation showing they knew exactly where I was and could have informed and sent paper work to the right address so I could of been at them court proceedings. Ihave reason to believe Bank of A MERICA SUBMITTED FALSE GOOD FAITH AFFIDAVITS in order to steer the courts into believing that they could not inform me .Which in turn took away my rights to obtain back ownership of my house and any other possibilities in this matter.
Product: Debt collection

Have asked lvnv funding for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!