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

XXXX XXXX XXXX contacted me by phone and mail attempting to collect a debt I never agreed or contracted to pay. The calls were harassing aggressive and very threatening. I explained to them then I never agreed or contracted to pay on this debt. After non stop harassing calls I sent in a debt validation letter in didn't receive a response. After months of no response I sent in another debt validation letter and still have yet to receive a response. They started to report negative and defaming information on my credit report as XX/XX/2017. After reporting negatively on my consumers report, they sold the debt to another company ( AWA COLLECTIONS ) who is now reporting negative and defaming information on my account.This company is reaching out to me to collect on this same date I never agreed or contracted to pay.I have sent a debt validation letter to this company as well and they never responded to my request. Since they have never supplied me with sufficient information in order to validate this debt, I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 
12 CFR 1022.41stateXXXX ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( XXXX ) Is substantiated by the furnisher 's records at the time it is furnished ; ( XXXX ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

Due to the number of inaccuracies with this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my auto loan was paid off in full. XXXX XXXX XXXX account number XXXX XXXX XXXX. Equifax is reporting incorrect information. My credit score was affected by this.
Product: Credit card or prepaid card

I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone open a XXXX XXXX XXXX credit card account ending in XXXX with Chase Bank. The credit card account is fraudulent. I never applied for the credit card account. Chase Bank is holding me liable for a fraudulent account which I did not apply for and it doesnt belong to me. I am now having issues opening a credit card account with Chase Bank because of the fraudulent account. Thats very unfair to me that Im being held liable for a fraudulent account. Its a violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act under federal law.
Product: Consumer Loan

GM erroneously applied my XXXX 2015 payment to someone else 's account. GM has assured me this has been corrected, however my credit report indicates it still is not. Credit report should show closed/NEVER LATE on y XXXX Credit Report.
Product: Vehicle loan or lease

Community Bank has discriminated against myself by an adverse action under congresses in 15 usc 1691, 15 usc 1681a and 12 CFR 1002.7. Law states it is unlawful for any creditor to discriminate against any applicants with respect to ANY ASPECT of a credit transaction, these laws are clear and Community Bank have violated these laws and committed these crimes against myself. Community Bank has no right to deny me for exercising my RIGHTS GRANTED TO ME BY CONGRESS ( 15 usc 1602 ), I hope community bank settles this matter immediately and does not choose to be willfully negligent and noncompliant to laws.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the handling of my recent credit card application. I believe that my experience exemplifies a concerning issue with their application process, which has resulted in significant frustration and negative consequences for my financial standing. 

Case Details : Applicant Name : XXXX XXXX Case Number : XXXX Capital One Representative : XXXX XXXX Background : On XXXX XXXX, I submitted an application for a Capital One credit card, providing all necessary documents, including my driver 's license. I had to fax multiple times. However, I was informed by XXXX that my license documents could not be successfully scanned at the DMV website, despite multiple fax submissions. This experience has been extremely disappointing and has left me deeply dissatisfied with Capital One 's procedures and customer service. 

Issues : Inadequate Document Processing : The inability of Capital One 's system to accurately scan and process license documents is a significant flaw in their application process. This has led to unnecessary delays, additional burdens on applicants, and potential negative consequences, such as expiring credit pulls. 

Lack of Alternative Document Options : When I suggested providing alternative identification documents, such as a green card, I was met with a lack of viable options and solutions. This limited approach demonstrates a lack of flexibility and a failure to address diverse customer circumstances. 

Absence of Secure Document Submission Methods : It is concerning that Capital One, as a prominent financial institution in 2023, continues to rely heavily on fax submissions. The absence of secure document upload or email options not only raises privacy concerns but also contributes to inefficient communication and prolonged application processing times. 

Resolution Requested : Prompt Application Review : I urge the Consumer Financial Protection Bureau to ensure that my application is reviewed promptly and fairly, without undue delays or bias. 

System Improvements : Capital One should invest in enhancing their application process to address the issues I have raised. This includes implementing reliable document scanning technology, exploring alternative document options, and establishing secure digital submission methods to ensure efficiency, customer convenience, and data security. 

Fair Treatment : I request that Capital One treat all applicants consistently and ensure that credit pulls are not negatively impacted due to deficiencies in their application process. Rejection or negative outcomes should not be solely attributed to applicants when flaws in the system exist.
Product: Debt collection

Prior to 2014 I satisfied my debt with Citibank Dividend Platinum MasterCard. I was contacted by a company that refused to provide their name and information. They claimed to be the " Claims Dept '' with number XXXX. I was threatened with a lawsuit of over {$4000.00} if I did not pay. They also made claims that a certified letter was sent and signed for by my family.
Product: Credit card

On XX/XX/XXXX I took a call from American Express and agreed to sign up for a Membership Rewards program for Corporate Account. The problem was that the agent on the phone applied the service charge of {$40.00} to a XXXX XXXX ( an American Express card ) that I didn't have in my possession and unbeknownst to me, had an old address. ( The card hadn't been used for nearly 9 years. ) In XX/XX/XXXX I started getting text messages that one of my accounts was overdue. So I opened the mobile app and was confused by that XXXX  as my accounts weren't overdue. So I assumed this was a fraudulent text message. Later I got another text message. I logged onto AmericanExpress.com and the same story : all of the accounts were in good standing. ( Note that for some reason the XXXX XXXX wasn't attached to any of my online portals. This is a mistake on American Expresses side. ) In XX/XX/XXXX my mobile app started notifying me that an account was delinquent, which was really strange since again, all of the accounts it showed were in good standing. 

It happened again in XX/XX/XXXX so I called AMEX. The person on the phone told me about the XXXX XXXX ( which I hadn't seen in almost 9 years ). The next day they would try to autopay from a bank account that didn't have enough money in it, and it was too late to stop the payment ( maybe it was less than 24 hours ). So he said I should correct my address information, get a physical card sent to me, and then fix the payment information before the next month. I did all of that. I paid the card so the account is in good standing. But for a {$40.00} service ( which I later canceled because it was going to cost more than the value it was going to create ) all I got was a XXXX point drop on my credit score. 

I've been a customer for a long time, since XXXX. I called customer service on XX/XX/XXXX and she said I would need to call a specific department on M-F during normal business hours at XXXX. I called on XX/XX/XXXX and she said their department couldn't do anything about it. I called general costumer service on XX/XX/XXXX and that fellow said there was nothing to do other than wait for the credit score to increase over time. So he's basically saying I need to suffer for 18 months for a {$40.00} service his company suggested that I purchase. 

It's unfair for this company to damage my credit score and say I should be accountable for an account that was invisible to me since XXXX, the last time I lived at that address.
Product: Money transfer, virtual currency, or money service

Hi, I got a problem from paypal account. Saying that I'm no longer do business with Paypal. I received this email last XX/XX/2023. I'm just accepting the customer payment thru this wallet. 

Please help me to restore this account. 

Thank you.
Product: Checking or savings account

XXXX XXXX XXXX XXXX engaging in Unfair Deceptive Abusive Act or Practice ( UDAAP ) regarding paper statement fees. The employer I work for, XXXX, is in the process of transitioning our accounts from an old to new XXXX ( Health Savings Account ) both with Optum Bank. I was charged a paper statement fee on my new account today, XX/XX/2022. I called Optum Bank/Financial on XX/XX/XXXX to ask them to turn off paper statements, as I had already signed up for electronic statements with them on my old account and expected the same would carry over. ( 1 ) The customer service agent with Optum told me that my prior selection to have paper statements does not carry over to my new account, which makes no sense with the HSAs both being with the same company. I promptly told the agent I wanted paper statements turned off again and asked him to refund my fee. ( 2 ) The customer service agent said it is company policy not to refund this fee and that nothing can be done and while he would like to help me. Management would not allow or approve of refunding this fee. Ask to pull the recording of my call to confirm. ( 3 ) The customer service agent told me instructions to turn off the paper statements again and information on the fees would be included in my XXXX statement, which has not even yet been received by me. In short, Optum is charging me a fee without giving me the appropriate notice and time to avoid being charged the fee. 

Regardless of the fee being only {$1.00}, Optum Bank/Financial is acting. I have looked on the XXXX employee message board this week ( the week of XX/XX/2022 ) and Optum Bank/Financial has committed this UDAAP not only to me, but to thousands of other XXXX employees that also have HSAs with them. This would result in thousands of dollars in fee income for Optum, which is the root motivation for the company taking advantage of customers, like me, that don't have a choice and have to use them since this is who my employee chose for my company to use for their HSAs. I am asking for the CFPB to hold Optum Bank/Financial accountable . If necessary, a Consent Order should be used to make sure the company must not only lose the fee income they earned from engaging in XXXX when charging customers in the manner they do, but also hold Executive Management at this company accountable for their actions. It is unacceptable to be charging not only XXXX employees for a paper statement fee without giving them the proper notice and timeframe to opt out of paper statements, but any and all customers. This is clearly a deceptive tactic to make additional fee income.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act Kohls, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States A Consumer Reporting Agency can not furnish A account without my written instructions.

15 USC 177B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

XX/XX/XXXX Chapter XXXX was filed. On XX/XX/XXXX Ocwen approved a mortgage modification. 1st trial payment was XX/XX/XXXX last on XX/XX/XXXX. Completed on time. Contacted them multiple times to see when i was going to receive statement. Called multiple times for years & was told to keep paying modified amount. So I did. CXXXX BK discharged XX/XX/XXXX. XX/XX/XXXX received a 2page statement dated XX/XX/XXXX saying Due in bold red letters {$65000.00} to bring my account current. Said became delinquent XX/XX/XXXX. Received another statement next day dated XX/XX/XXXX, saying payment duue XX/XX/XXXX for {$67000.00} also in big red letters. Contacted, said my payment was rejected. They told me to send proof of all my payments for pat 4.5 years and schedule appt for XX/XX/XXXX. Sent me a hardship info pack to complete. They sent me a modification pack without using my current expenses, etc in my hardship pack that I had not sent back yet. Told me to take their modification AS IS pre-apprived & if they review my hardship pack it is not guaranteed I get a modification. I called them with an update of my pack every couple of days and just said ok. Now paying {$2400.00} from {$1000.00}. They added $ XXXX on my loan w/baloon. Need help, savings exhausted. They forced me to take this or lose my home. Did not attempt to work with any offers I made. May lose in a couple of months. Expenses are more than income. Have cut all I can. I've been totally onest with them for years but they did not ever tell me any kind of way I need to be paying my original amount before mod or even should have told me it was not approved. They just kept taking my money. Said they couldn't tell e anything becasue I was in a BK. They should/could have not even sent the trial mod payments if that is the case. I have lots more info, documents, etc. I'm so sick, worried, stressed, can't sleep. I need some type of relief. I pray you can assist in some way. Thank you
Product: Mortgage

Our HOA has a townhome that was abandoned by the homeowner and has been empty for several years. The HOA foreclosed on the property for non-payment of HOA dues. According to the county 's tax base, the HOA is listed as the owner and has been sending tax payment notices to the HOA for several years. On the advisement of the HOA 's lawyer, the HOA has not paid any taxes due over the years. The HOA has tried to find out who the actually owner is and has had a difficult time securing the proper documentation from the mortgage company to state the property was either foreclosed, the mortgage was forgiven, or what. The HOA wants to try to fix the place up and sell since we have not be able to recoup past HOA dues from the previous homeowner or count dues for this place for several years. Reaching out to the previous owner has been fruitless. The HOA does not want to proceed with selling only to have a bank, etc come forward and claim the townhouse after the HOA has spent money to repair the place for sell. Thus, the HOA is at a loss as to how to move forward. The county is now stating they will send the tax delinquent account to a lawyer. If that occurs, the HOA may be on the hook for lawyer fees and eventually having the pay for the past taxes without first having actually proof the HOA owns the unit.
Product: Mortgage

-My title company XXXX XXXX and XXXX XXXX to request a payoff statement over XXXX weeks ago for loan XXXX. 
-After not receiving the statement within a sufficient timeframe, I began contacting Selene to receive the payoff.

-Over 3 weeks, I have contacted Selene at least daily requesting information on the payoff.

-I instructed that we needed payoffs for all ( XXXX ) properties in the portfolio loan. 
-on XX/XX/XXXX, I received a payoff for XXXX Cloister ( XXXX of XXXX ) properties in the portfolio -I have been told on numerous occasions that a supervisor or customer service agent would call me back within XXXX minutes, only to wait over XXXX hours for a call back. A supervisor has not yet called me back. 
-I suspect that Selene is intentionally withholding until XX/XX/XXXX so that my XXXX payment can create default interest which would be paid to XXXX XXXX I intentionally stopped payment for XXXX, as we were anticipated to close within 10 days of the start of XXXX, and did not want to create confusion about the payoff amount. 
-This is in connection to previous complaint XXXX, where Selene provided misleading resolution to my complaint. Indicating that I was bound by a default interest rate. Selene failed to note that service rep XXXX XXXX told me that due to communication errors, he would remove the default interest rate as soon as the loan was current. XXXX XXXX XXXX was " moved to a different role '' in the company. 
-Selene failed to communicate to me about the first payment that was missed in XXXX, and that subsequently, they automatically turn off autodraft. I was therefore unaware I was behind until initially approached by XXXX XXXX. Because XXXX was kind enough to help me get the payments on track, and told me that the default interest would be removed, I was surprised to learn in XXXX that in fact they had not. This caused the frustration and subsequent missed month in XXXX. 
-It would seem that perhaps XXXX lied to me and was reassigned as a result? 
-If I call XXXX XXXX month on the XXXX to confirm that the payment was processed, am told by a service rep that it has, and then receive a notice on the end of the month stating that my payment has not processed, then I do not think I should have to pay late fees and default interest. 

Thank you, XXXX XXXX
Product: Debt collection

I got a call from KTS collections on XX/XX/year> around XXXX east. They did not state who they were when I answered until later in the conversation. They said a paper about the debt was sent to an address I haven't lived at in 6 years. They refused to email me anything on the matter and they threatened that if it is not paid by XX/XX/XXXX my credit would be negatively impacted. I dont know if this a scam, but it seems very scam like to not be able to send any verifying information and to threaten to negatively impact my credit.
Product: Checking or savings account

On XX/XX/2020 I deposited a payroll check into my USAA checking account in the amount of {$860.00}. The bank placed a seven day hold on my funds listed multiple reasons ranging from the mobile deposit system doesn't recognize the check, to there was suspected fraud on my account. I contacted the bank multiple times attempting to have the hold removed and was unsuccessful. I spoke to over a dozen different representatives and managers and was hung up several times. The bank is legally obligated to release a payroll deposit within two business days after the deposit up to {$5000.00}. This along with my account being placed in fraud prevention is a violation of my right to privacy and the banks authority to operate under FINRA regulations.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payment on an account that I was never late. The consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you in advance!!! Please see screenshot attached :
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

XXXXXXXX XXXX XXXXXXXX late payment account : I have never been late on a payment to this creditor. 

XXXX XXXX XXXXXXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

XXXXXXXX XXXX XXXXXXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXXXXXX charge off account and XXXXXXXX XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

XXXX XXXX XXXX XXXXXXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account has been included in my bankruptcy and should be reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a fraud Alert because my phone number onfile with transunion is wrong it should be XXXX XXXX XXXX.