23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The CFPB needs to really get their XXXX together. How do you keep closing a claim that I am filing stating that KOHLS is reporting a debt I do not owe because it was paid - then they respond and say it is valid?? HOW??? 
HOW is it valid when the bureaus show it paid and XXXX except XXXX   and HOW is KOHLS responding that the DEBT is valid??????????? you guys are all XXXX and do not know how to do your jobs. 

All you guys just think you can do whatever the XXXX you want and you are ALL in violation!!! Kohls debt collection and reporting on my credit report EVERY MONTH WITH A BALANCE THAT HAS BEEN PAID - how the XXXX is that valid? when I paid the debt and other bureaus show it paid. I paid KOHLS directly! 

kohls is in violation updating monthly to XXXX  for a debt that has been paid!!! I am contacting the attorney general and filing suit again both of you guys. What a XXXX joke. 

They are reporting a balance NOT owed and damaging my credit monthly. I have been denied financing because of it and guess what - that is grounds for a law suit -
Product: Student loan

Well I had this loan since 2011 for school.. I'm jus tryna get a lower payment to ensure future payments
Product: Credit card or prepaid card

Every month Destiny card report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Meaning everytime Destiny card report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n.
Product: Credit reporting or other personal consumer reports

TRANSUNIONit is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/2022, TransUnion has XX/XX/2022, XXXX has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it. 

ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. The presence of these items has significantly impacted my life, causing considerable stress and XXXX. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name.
Product: Credit card

I paid my target red card on XXXX via automatic payment. This is the usual way we pay and have never missed a payment. On XXXX and XX/XX/year> sent extra payments via red card portal and the payments didnt work because the website showed abd old checking account and I accidentally used it. 
Red card then closed my account while it had a balance due to this error on the extra payment. We still have a balance. Upon calling and speaking with multiple people, we are told this can not be resolved and nobody will tell me if and how this may affect my credit. They will not open this account regardless of our up to date payment terms.
Product: Mortgage

I took out a mortgage in XX/XX/XXXX with Wells Fargo under the name XXXX XXXX. The address on the home was XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. During the financial crisis the home became deeply underwater and I was laid off from my job with a real estate developer. I tried working with Wells Fargo to obtain a loan modification beginning around XX/XX/XXXX for approximately one year. Everytime I called I was told my case was still in review and to call back in one month. I never received any answers. I reached a point where I couldn't make the payments anymore and left my home in XX/XX/XXXX. I believe I qualified for a loan modification and was wrongfully ignored and lost the battle of attrition with Wells Fargo.
Product: Checking or savings account

I opened a Citi account and I just started getting direct deposit in I had about XXXX $ in my account when I deposited a XXXX $ check from my vacation fund from my union in the account they locked my account pending review Friday the XXXX of XXXX today XX/XX/XXXX they told Me my account was processing to be closed and it would take 30-60 days to receive the over XXXX  $ in the account I dont know the exact amount because they did this without notice my account number is XXXX and the Citi Reference Number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Crypto.com must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. 
However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Crypto.com did not foresee the fraud and disregarded even the most obvious dangers in this respect. 
Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.
Product: Credit reporting or other personal consumer reports

I was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Subject : Request for Resolution of Account Issues Dear [ Recipient 's Name/Company Name ], I hope this message finds you well. I am writing to address several concerns regarding my account, stemming from an emergency I experienced at the beginning of the year. During that time I was unable to make my payments timely. However, I have since caught up on all missed payments. 

Despite my efforts, I am still experiencing difficulties in getting my payments posted accurately and timely. It appears that I am being forced to follow loss mitigation procedures, which seems to be the only avenue available to me for making payments. This included having to pay a {$1300.00} fee as the only way the system would allow the payment to be made. Additionally, I have noticed that the company is utilizing suspense posting for my payments, preventing them from being posted according to our agreement. 

Moreover, I would like to bring to your attention that insurance has been added to my account, despite the fact that I have an existing policy that is fully paid. I was compelled to obtain this policy due to previous issues with late payments when my loan was sold three times, which resulted in the cancellation of my original policy. Rather than collaborating with me to resolve this issue, the company has unilaterally added its own insurance. 

Today, I received a call from a notary regarding a loan modification that I did not authorize, apply for, or desire. My primary objective is to have my account restored to its proper status and to receive assistance in this matter. 

I would appreciate your prompt attention to these issues and look forward to your response. 

Thank you for your understanding.
Product: Credit reporting

The credit bureau illegally reported me late on my mortgage after I sent proof. Now Im XXXX from the military until I bring my credit back up to date. The military pays my bills. I do n't know how they neglected this.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attn : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Fay Servicing Account Number XXXX Dear Sir/Madam, I am writing to formally file a complaint against Fay Servicing concerning their ongoing unfair and deceptive practices related to my mortgage account number XXXX. 

Over the past year, I have encountered multiple issues with Fay Servicing that have not been resolved despite my numerous efforts. Specifically, my concerns include : Mortgage Modification Requests : I have been seeking a mortgage modification for over a year. Despite submitting all required documentation and following up multiple times, Fay Servicing has failed to process my request or provide a resolution. 

Escrow and Homeowners Balance Discrepancies : I have reported discrepancies in my escrow and homeowners balances to Fay Servicing. They have not addressed these discrepancies or provided a satisfactory explanation, causing significant confusion and financial stress. 

Lack of Proper Assistance : Throughout this period, Fay Servicing has exhibited a lack of responsiveness and has not provided the necessary support to address these issues. Their failure to adequately assist me has compounded my difficulties and financial strain. 

I believe that Fay Servicings conduct is in violation of fair servicing practices and consumer protection laws. I am seeking assistance from the Consumer Financial Protection Bureau to investigate these practices and take appropriate action to resolve these issues. 

Please let me know if any additional information or documentation is needed to support my complaint. I am available to provide further details or assist in any way required. You can reach me directly at XXXX or XXXX Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld and that Fay Servicing adheres to lawful and fair practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

KOHLS/CAPONE XXXX Balance : - I believe the information being reported to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe i am a victim of identity thief. In XXXX I had my identity stolen through XXXX  data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but experian refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.
Product: Vehicle loan or lease

I co-signed an auto loan in XX/XX/2020 with my son through PNC bank for an auto that we both own jointly but that he drives. He had an account with the bank and it set up auto pay for the loan from his account. Of course, soon after that he lost his job due to XXXX. PNC closed the account that he had set up the auto payment on because he overdrew it by {$70.00} ( his fault ) and didn't pay it back quickly. I have continued to make all the monthly payments on time from my account. ( My son is working again and gives me the money to make the payment. ) The problem is that PNC kept trying to collect a payment from the closed account that was set up for the auto pay, along with insufficient fund charges and late fees. I went to the local branch and an officer said that he should have cancelled the auto pay but admitted that he couldn't because he can't access his closed account. The officer canceled the auto pay but said he did not have the authority to cancel the fees. The branch manager told me the same thing. ( Mostly she does not return my calls! ) We keep receiving threatening letters from PNC and collection agencies threatening to repossess the car. We have also called the auto loan department. ( Same response- we have to apply for a fee waiver that we never receive. ) I called to ask for the regional manager 's phone number but was refused. Once again, PNC has received EVERY payment on time and in full! Please help.
Product: Credit card

Summary : Capital One advertising does not disclose that there is a XXXX waiting period for benefit activation. 

In advance of travel, I researched credit cards that have the best travel benefits. The Capital One XXXX XXXX card stood out, primarily because of their advertised benefit of XXXX XXXX membership, which gives access to airport lounges. The advertising material highlights XXXX XXXX membership. After applying, being approved, and receiving the card, the {$390.00} annual membership fee was charged immediately ( i.e., I paid for advertised benefits immediately ). When I attempted to register for XXXX XXXX ( a benefit I had already paid for ), I received an error message that said I had to wait for up to XXXX weeks for XXXX XXXX membership to be activated. I re-reviewed all advertising material I could find online and nowhere does it state that there is a XXXX waiting period. Upon learning this, I called Capital One several times to see if this benefit activation could be expedited and they instructed me to attempt to activate using various internet browser settings such as incognito mode and clearing cookies, indicating that there is some process to achieve faster benefit activation. All attempts were unsuccessful. 

Expressly, if I had known about the XXXX waiting period for XXXX XXXX membership if it had been clear from published advertising material, I would not have applied for the credit card. 

I was approved for the credit card and my account was activated on XX/XX/year>. On XX/XX/year>, Capital One still failed to activate the XXXX XXXX membership benefit featured prominently in advertising materials. On XX/XX/year> I paid {$48.00} to XXXX XXXX XXXX XXXX XXXX IN to gain access to an airport lounge. Access would have been free via XXXX XXXX membership if Capital One had activated the prominently featured benefit that I had already paid for. 

On XX/XX/year>, I called Capital One to seek a refund for the lounge charge that I paid for out of pocket while waiting for them to activate the membership that I already paid for via my Capital One XXXX XXXX  Card Annual Fee. The representative one the phone agreed that information about the XXXX waiting period for the XXXX XXXX membership is not available in advertising materials for consumers to make an educated decision about applying for their credit card. I sought a refund for the lounge entry fee paid on XX/XX/year>, but Capital One refused to grant one. Furthermore, they have no process for launching a formal complaint. 

I believe that XXXX ) Capital One should refund any out of pocket charges paid during their waiting period during which they are not able to provide advertised credit card benefits and 2 ) clearly disclose the 2-week waiting period in their advertising material so consumers can make informed choices. 
Thank you.
Product: Student loan

Problem # XXXX My servicer ( EdFinancial ) has made errors to the days of accrued interest, and subsequently, the amount of total interest accrued. I was in graduate school from XX/XX/XXXX to XX/XX/XXXX. There are XXXX different loans that were borrowed after XX/XX/XXXX when payment paused and interest stopped accruing. The image attached is a screenshot I took of my total loan balance on XX/XX/XXXX. Please note that no payments have been made before XX/XX/XXXX. From the image ( XXXX ( XXXX MB ) ), loans XXXX to XXXX are the XXXX loans borrowed after XX/XX/XXXX. All these loans have accrued 86 days worth of interest by XX/XX/XXXX, but it should've only accrued 43 days. ( from XX/XX/XXXX to XX/XX/XXXX ) For example, the loan 1-13 Direct Grad PLUS ( Principle : $ XXXX, XXXX : 6.280 % ) that was issued on XX/XX/XXXX, should have accrued total of 43 days of interest, {$310.00}. But it shows amount of interest accrued as {$620.00}, or 86 days worth of interest. This is the same case for all of my loans that were borrowed after XXXX, XXXX ( Loans XXXX to XXXX ). 

Problem # XXXX However, after the screenshot was taken on XX/XX/XXXX, I have made a payment of {$7000.00} on XX/XX/XXXX. Because Edfinancial put me on the standard payment for 2 months since the payment resumed XX/XX/XXXX. However, I had requested for REPAYE ( and now called XXXX ), back in XX/XX/XXXX, and again, on XX/XX/XXXX. Based on the timing of my application, I should've been on the XXXX plan since XXXX, and automatically been changed to SAVE plan by XX/XX/XXXX. However, because Edfinancial has put me on the standard payment for the first 2 months, I was forced to pay the minimum amount of {$3500.00} every month. In total, I had made {$7000.00} payment, which was very high compared to the income I have. Not only that, because I was not on the XXXX plan, I have not been able to receive the benefit of the plan that " eliminates 100 % of remaining interest for both subsidized and unsubsidized loans after a scheduled payment is made. '' As a result, I've accrued interest that was not paid for during the first 2 months, on top of the incorrect amount of interest that accrued. The representative I talked with said they can not see the date of loan imbursement, and therefore, can't calculate the correct amount of interest. Edfinancial refuses to make any changes because they say that they never received IDR Application report from FSA.

The payment I made went towards the incorrect amount of interest, and some of my principal balance. Edfinancial refuses to review my account as they confidently say there is no error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inhave sent the following information to my lender multiple time since XX/XX/2022 and no one will respond to me or fix my credit report : I am writing to appeal the decision not to remove the late from my credit report. We have provided information to show the 1 late payment in XXXX was a bank error and not for lack of funds. I own a law practice and this late will have enormous financial consequences for me. As a trusted client, I would hope that my lender would make the right decision in this situation./ If there was ever a reason to make a correction to a credit report of one of your customer I would think this would be it. Please let me know what I need to do to appeal or re-request consideration. I will not cease my attempts to correct this until the right thing happens. Theres too much at stake and it is just not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.