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

I received my XX/XX/XXXX bill and it was {$560.00}. I went to my XXXX XXXX XXXX XXXX site and paid the bill from that site, as I have always done. It was taken out of my account and appeared to be sent electronically from the way I view it at my bank. Fast forward a few weeks and I get a reminder from XXXX stating that my bill is due. This was unusual as I have never gotten this notice. I went on their site and checked and they had not received the payment, although it was removed and stated paid from my bank as it was removed from my funds. I waited until the day the bill was due thinking it would finally flush out and when it didn't, I contacted XXXX but I also when to their website and paid the bill directly. After calling Monday XXXX and speaking with someone about this I was told that they receive a money order for the payments and have been for a while. I told them we send it electronically and after speak with the credit card agency and my bank, it appears that the account number that was being listed in the memos was an older account of mine that had been closed due to a lost card back XXXX or XXXX. I then very patiently waited another week thinking it's just a miss communication and they'll see it and it will be credited to my account. A week later and still nothing. Now I went to my bank and pulled proof of payment for both payments of {$560.00}, one on XX/XX/XXXX and one on XXXX. I then then faxed this information with a detail of all that has happened just like this letter, to the number that they requested XXXX. I called the next day, XX/XX/XXXX, and had no resolve. I spoke with XXXX XXXX XXXX ) on XX/XX/XXXX and she called the accounting department and verified that they had received the fax ( I sent it 3 times! ) but advised that it would be handled in the order that it was received. She was nice enough to give me her name and number so I could call and follow up. Which I did yesterday and today, and no response and the original payment from XX/XX/XXXX has still not reached my account. My bill is due XXXX. I pay my bills on time and this one in full each month. I refuse to make another payment when they already have {$560.00} that they have yet to post to my account, that they have had for over a month now. Now, my patience has ended. I have no more time or energy for this and honestly, it should have been resolved from their end easily last week. Therefore I am reaching out to someone with power because although I have all this proof to back it up, I still have {$560.00} missing and although we all know that they have it, they are not crediting it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with Transunion and XXXX  with the most recent letters dated XX/XX/2020. I received the results from Transunion dated XX/XX/2020 stating the information was verified as accurate. I received the results from XXXX dated XX/XX/2020 stating the information was certified to XXXX  as accurate. See the attachments for copies of the disputes to both Transunion and XXXX. 

The disputes with both Transunion and XXXX  have not been resolved as the information has not been verified. I have not received any documentation of said verification received by Transunion or XXXX.
Product: Credit card

XX/XX/year>, a fraudulent charge appeared on my account. I disputed this. Capital One closed the dispute without any communication to me. I called their customer service line over 10 times. Finally ( XX/XX/year> ) someone told me that I had to submit additional documentation ( the first time I was told this ), and that the dispute could be reopened and investigated once I did that. I did so immediately ; however, the dispute was NEVER reopened or investigated, and not a single piece of communication ever sent to me regarding the issue. I have contested this multiple times. Each time I file a complaint, they say that they need several MONTHS to investigate ; however, the charge is accumulating interest during this time. The first month, I made a partial payment because the charge was very large and I didn't want anything to negatively affect my perfect credit. However, Capital One is blatantly trying to frustrate their customers into giving up and that will not happen with me. Now, Capital One is saying my payment is late, missed, and etc etc that I owe a balance, when IT IS ALL FROM A FRAUDULENT CHARGE AND THEY OWE ME THE PARTIAL PAYMENT I MADE IN THE BEGINNING. Between XX/XX/year> and today I have called Capital One another 20 times and either can not get through or each person tells me something wildly different ( they have no idea and seem to make it up as they go ). 

FURTHER, ever since this occurred, I have been unable to log into my account online. It prompts me to create a new password, which I then do - making it the same existing password, which works- but it has me to through the entire password creation process EVERY SINGLE TIME, meaning every time I want to check my account it takes at least 15 minutes to log in. I have complained about this an inordinate amount of times and Capital One has made zero effort to fix anything.

This is shameful from a company that used to have decent products and customer service.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX NO ACCOUNT NUMBER LISTED ON CREDIT REPORT I am writing to formally dispute the alleged charge-off you have reported to the credit bureaus. Under federal law, you are required to ensure all information furnished is accurate and compliant with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). After reviewing my credit report, I have identified violations of the following federal statutes : 1. 15 U.S.C. 1681s-2 ( a ) You are required to report only accurate and verifiable information. If you are unable to prove the validity of this charge-off with proper documentation, you must immediately remove it.

2. 15 U.S.C. 1681b ( a ) ( 2 ) You must have a permissible purpose to continue reporting an account post-charge-off. If you can not provide evidence of my direct consent, your reporting is in violation of federal law. 

3. 15 U.S.C. 1666 Under the Fair Credit Billing Act, I have the right to dispute any billing errors or inaccuracies. You must provide a full investigation with verifiable documentation supporting this alleged debt. If you can not, this charge-off must be immediately deleted. 

Failure to correct these violations will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel for willful non-compliance.
Product: Mortgage

I am submitting this complaint with CFPB because I am livid in the way Wells Fargo continues to give me the run around and its making it difficult for my case to get reviewed! I have submitted a complete packet with updated financials with my son 's promotion, my raised of income including a new part time job! I have attached the letter I send Wells Fargo to help me postpone the sale date on my property until my case evaluated. I 've spoken to several customer service reps and managers and no one has been able to assist me. They have continued to give different answers and that is very frustrating! Please review the attach letter with all the details. I have a sale date coming up on XXXX/XXXX/2016. Please help me I am in urgent need to stop the sale date. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company pulled my credit report for a pre approval to see what I qualified for regarding buying a home and has not properly communicated with me. They pulled my credit on the XXXX of XXXX and I have had to call them to see what is going on with my application, because they pulled it and never reached out to me on next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX, XXXX and Experian to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. Experian & XXXX  have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. Experian and XXXX  must do the same since there is no bankruptcies to verify.
Product: Debt collection

I have sent a letter to all 3 credit beaures on XX/XX/XXXX to ask them to contact and verify and validate the so call debt that is owed with this creditor they have failed to correctly validate that is so called debt is mine. Creditor is enhanced resource centers amount of {$510.00}. They have sent a bill, no contract with my signature within in the 30 days as in the FDCPA.
Product: Mortgage

I was denied a receipt for my XXXX mortgage payment processed on XX/XX/year> ( at XXXX XXXX EST ) in the amount of {$1600.00}. I was told by the representative XXXX ( XXXX ) that it would take 5-7 business days to get a receipt to me for the payment. She further stated that the verbal payment confirmation number of XXXX would serve as " record of payment '' in lieu of the receipt. 

Today I received an email regarding my Amerisave account. The {$1600.00} was not applied to my account as my " XXXX mortgage payment ''. It was designated as a " Principal Curtailment '' instead of my " XXXX Mortgage Payment ''.
Product: Credit card or prepaid card

I remember applying for a XXXX XXXX credit card in store, but due to me moving a lot & living from person to person. I never received a credit card from them. And today I received a paper from the courts saying that I owe money to a account that I never knew about. Not sure what to do, I believe someone is using that credit card in Florida to buy things. And I am currently in Georgia not Florida for the last few years. Need help resolving, please & thank you! 

Claim is for {$560.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize where apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts and question and they are negatively impacting my credit. Per section 15 USC 1682 c-2, any fraudulent accounts that I did not authorize must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am referred to 15 USC 1692C I am not paying this bill and do not wish any further communication nor it to be reported to the credit bureaus. This is not my account and I only had signing privileges.
Product: Mortgage

Every 5 years the city re-analyzes the real estate value of the houses, which changes the real estate taxes owed. The taxes on our house ( XXXX XXXX XXXX ) went up significantly and thus the escrow account had a negative balance. On XXXX XXXX, 2016 my husband and I went into the Wells Fargo office and expressed concern that the mortgage had yet to be re-analyzed and requested that this be done. By this time we had paid off the negative balance in the escrow account but knew that the mortgage would change due to having to meet this higher real estate tax. They informed me that a mass re-analysis occurs in XX/XX/XXXX, and that the account was already scheduled to have that happen. I told them that I was n't sure how much the mortgage would be or how behind the escrow was because it had n't been analyzed yet, but that it was very important to us that it happen sooner rather than later. We currently have XXXX mortgages with Wells Fargo, XXXX mortgage has been re-analyzed twice since the new real estate tax once in XXXX and then again in XXXX. It is now XXXX XXXX, 2016 and when I go to Well Fargo online and check the escrow account it reflects no change to my monthly mortgage payment, I have been checking daily since XXXX XXXX, 2016 when the mass re-analysis was to occur. The website now indicates that a reanalysis would be done XX/XX/2016. I was promised that the account was scheduled to be analyzed. While I do n't agree with the practice of re-analyzing an account and not updating the consumer in writing regarding their new mortgage payment with potential options to mitigate that change, I am even more dismayed that Wells Fargo has simply put off doing an analysis, even with an explicit request from my husband and I. Every month that the mortgage is n't re-analyzed, the amount that needs to go into the escrow account becomes more behind, and the payment has to increase more to compensate. Waiting this far into the year causes the consumer undue hardship, our mortgage could increase by as much as {$400.00}, if Wells Fargo had done the mass re-analysis on XXXX XXXX the mortgage potentially only would have increased by {$200.00}. Every month that they fail to perform a re-analysis on the mortgage our payment increases by an additional {$50.00}. I am attaching a screen shot of the escrow account as it appears in my online account as of today XXXX/XXXX/2016 at XXXX EST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report and noticed that there was an account that does not belong to me and need it removed from my credit report. I am a victim of fraud and this is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
Account : TOYOTA MOTOR CREDIT, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with XXXX, Experian, and XXXX. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with XXXX, Experian, and XXXX for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter. 


I have also took the liberty of writing United States bankruptcy court here in Washington DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In a debt Consolidation program gave them the info a dozen times and they still harass me
Product: Checking or savings account

I woke up this morning to a message that said I had XXXX funds in my savings account and my checking account. I tried to go online. There was absolutely nothing there but my credit card. I finally called at XXXX XXXX and got an answer from the young lady and she said that the bank closed my account and I would be receiving a check. I was given no reason even after I went to the bank except that the bank has a choice whether to choose a customer or not I have been with this bank since back before it was first federal, then guarantee then Compass and now PNC, I have direct deposit going in there and I have bills that automatically come out and they just close my account without even calling me or asking me any questions. I am supposed to receive a letter in the mail along with the cashiers check. Meanwhile, I have no access to those funds.
Product: Student loan

I took out a Federal Parent Plus loan in XXXX. I made some payments, then went back to school, loans were deferred. Each year, after I graduated in XXXX, I applied for income driven loan payments. All my student loans have always been approved for income based payments, as this years, but Navient decided to deny approval. They not only denied but never notified me of the denial. When I did discover, by accident, they informed me I was late on my payments. I requested by phone and email to send detail information. The only thing I received from them was a payment booklet. I began making monthly payments using the booklet, but I remain to get phone calls from them, several times a day, saying I was late on my payments. I explained that I started making the payments, as the payment booklet states, but the lady said booklet was incorrect and I am a month behind. I asked that this be corrected and late fees be removed because it was their error. She refused to help assist me in anyway. I am asking that all late fees be removed and any negative remarks on my credit report be corrected.
Product: Student loan

In  XXXX  I attended  XXXX  College. The loan amount of {$2000.00}  ( l isted as {$1700.00}? ) was disbursed on  XX/XX/XXXX . At the time I was planning on being a teacher. This was the only college loan I accepted. The loan was paid early on  XX/XX/XXXX . I received a statement from Fedloan Servicing dated  XX/XX/XXXX  showing a loan balance of  XXXX . Since then I routinely receive notices stating I still owe the {$2000.00}. Both my father and I have call ed three times over a three yea r period and confirmed the loan was repaid in full. During each of the phone calls we asked that the notices stop. The periodic notices never did stop. Last week I received a notice that i n three month s Fedloan Servicing will be wanting payments. I do not want my credit ruined because this company is so inept.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management unlawfully filed a claim when they dont have jurisdiction, they dont have the legitimacy or authority. Their robo lawsuits are unfair, deceptive and abusive causing me substantial harm and injury to my name and reputation.
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe, as provided for by the fair debt collection practices Act ( FDCPA ). I have received your communication regarding this debt, but I do not recognize it and require further information to confirm its validity. 

Please provide the following information : 1. The amount of the debt.

2. The name of the Creditor to whom the debt is currently owed.

3.A detailed statement outline the nature of the debt, including ant fees or interest that have been applied.

4. Documentation that verifies you right to collect this dept. 

In accordance with the FDCPA, I request that you cease all collection activities until this validation is provided. IF you can not provide the requested information, please inform me in writing and remove any records of this debt from your files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out that I was a victim of identity theft back in XX/XX/2019. Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.
Product: Credit reporting or other personal consumer reports

In accurate with the Fair Credit Report?

Act this creditor has violated my rights under 15 USC 1681 ( section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purposes. According to my credit score account I have hard inquiries attached and affecting my credit score causing it to go down because of the inquiry that I dont recognize.