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

I continue to get late fees charged to my account even though I am paying on time in accordance with my payment pan. 
I was behind on payment and started making payments again to get caught up. After making 2 monthly payments on time the company called me ( XX/XX/XXXX ) to set up a payment plan. I was told that I would be able to continue making the payments by the XXXX of every month and it would bring my account to a current status after 5 on-time payments. I was notified that if I was late I would incur late fees. 
I made my payment on XX/XX/XXXX for the agreed amount and was charged a late fee on XX/XX/XXXX. I called the company and they were able to waive the fee and noted that it was a mistake since I paid by the XXXX. 
I made my payment on XX/XX/XXXX and noticed that I was charged a late fee again. This time the fee was charged on XX/XX/XXXX which is before my due date. 
I called the company again and they said that there was no record of a payment plan and that my due date was always the XXXX of the month. 
I was transferred to a supervisor who was able to track down the payment plan but said since my account was restricted the due date could have never changed so she couldn't do anything about the late fee. 
If my payment date was unable to change, why did the late fee in XXXX get charge on the XXXX ( which would be correct for a due date of the XXXX  of the month if I hadn't paid on time )? 
Why would a CC company sign a customer, who is already behind and unable to make full payments, up for a plan that will start charging them an additional fee every month? 
I feel like they are taking advantage of people and charging extra fees just to make money. 
Now they are saying my due date is stuck on the XXXX and I will continue to be charged late fees.
Product: Mortgage

In XX/XX/2021, I submitted a mortgage application with MTH, the preferred lender for XXXX XXXX. Upon receiving my pre-approval, I immediately inquired about mortgage rate lock options with my Lending Officer, XXXX XXXX. The lending officer did not respond to my request for the rate lock options. I sent follow up emails in both XXXX and XXXX expressing my concern that rates are going up and asking again for rate lock options. The Lending Officer again didnt respond to my requests so called MTH to see how could file a complaint. Rather than giving me option to file a complaint, MTH put me in contact with Branch Manager, XXXX XXXX who apologized for the delay in communication. I expressed my concern that the rates had already gone up too much and that I havent been provided the information I requested to allow me to lock in my lower mortgage rate. On XX/XX/XXXX, XXXX XXXX offered the rate which was available in XXXX when XXXX didnt respond to my follow up, however, she only provided me XXXX to accept the offer. I was traveling at the time she sent the offer so I didnt see the offer and was not able to respond. I reached out to her when I returned and she said the offer is no longer available. MTH did not provide the information I requested which led to me not being able to make the decisions I needed to make with my mortgage. 

I have emails to corroborate the above.
Product: Credit card or prepaid card

Spoke to representative XXXX on XX/XX/XXXX regarding my Discover Miles card. Was told the card was scheduled for closure. I've been with Discover since XX/XX/XXXX, never missed a payment. I recently replaced my card and was told that was the reason for the closure. This is an absolute lie. The only reason is because Discover does NOT want to pay out on the rewards I've accumulated.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting

I have been XXXX for 15 years there is a {$850.00} debt on my report from 2014 for XXXX I was in XXXX records will reflect the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

Capitol One Spark Card was used to buy a XXXX piece of used medical equipment through XXXX. Item advertised as full working condition but delivered inoperable. Seller requested that I have his associate in the area look at it prior to sending it back. I immediately started a dispute with XXXX and Capital One. Over the course of 4 weeks I paid to have the item repaired enough to power it on and realize that it was still not operational so I arranged for it to be returned to seller ( XXXX ). The seller had XXXX XXXX XXXX pick it up and confirmed its return. I contacted the credit card company for a response on when to expect the credit, and was told that it was XXXX that was suppose to credit me. XXXX stated that the dispute was open and that the credit card company would credit me. Ultimately after months of waiting and sending in more requested documents, Capital One bank stated the time limit expired on the dispute and even though they had all the needed documents to credit me they would not because of the time limit, and I should again contact XXXX that still saw the dispute as open to get the refund. When XXXX was again contacted, they said that no dispute was ever opened with them ( even though it was within a week of getting the item delivered ), and they cant even share with me whether the seller received the payment or not since its a violation of their policy. They did however shared that their system should that the seller did not dispute my request for return and refund but couldnt explain why Capital One credit card would not issue the refund. The Seller claims that they still have not received payment. 
As a consumer, I cant get Capital One to credit me on the returned item because they stated they needed more information and supposedly requested it via letters that I didnt receive. They on XXXX occasions afterward requested that I send more information via a link which was supplied both times, including a lengthy text exchange between the seller and I verifying that they accepted the unit back and was offering a full refund. At this point, I continue to have a balance on the Capital One credit card for the XXXX purchase price, and now its accumulated interest. They wont allow the dispute to be reopened and refuse to refund the money. XXXX states that they can do nothing, and wont verify if the monies were received by the Seller. The Seller claims they have received the returned product but have not been paid so wont credit me directly. Please help me with this convoluted issue to get justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three acct. entries on my Equifax report are incorrect and are listed under XXXX XXXX XXXX XXXX. XXXX. 

1. One acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX and closed in XX/XX/XXXX, Bal of {$0.00} says 120 days past due. I have no knowledge of this account. 

2. Another acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, bal. {$1.00}, past due {$1.00}, and in collections. I have no knowledge of this account. 

3. A third acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, monthly payment {$500.00}. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

Santander Consumer USA is showing as a charge-off on my XXXX, XXXX, and XXXX credit reports. However, I did not receive a 1099-C tax document, and the account still reflects an outstanding balance.
Product: Checking or savings account

I had my accounts closed by chase and they are holding all my funds and want release them to me its been almost two months and every time I try and talk to someone about the phone automatically disconnects I need my money returned to me and the bank is refusing to send my money back to me.
Product: Debt collection

I was contacted by convergent outsurcing  XXXX . They have been calling my desk number at my place of employment. The rep told me that they contacted my employer on behalf of   XXXX   and got my information but I have checked and my employer advised that they do n't give out personal information. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student ( Loan ID XXXX ) serviced by LendKey Technologies and held by XXXX XXXX XXXX XXXX continues to show on my XXXX credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/2019.
Product: Checking or savings account

I opened a business bank account with PNC on XX/XX/2023. 

When I was in the process of opening my account, I had to deal with three different individuals in order to complete the process. Two of them were in the office with me and at one point there was a sales person on the phone whom I had to speak to as well. These individuals sold me a UPIC that would attach to my bank and told me that I would be able to take this UPIC to any bank in the future if I decided to leave PNC. 

Fast-forward a year, and I've had so many problems with PNC I decided it was time to leave. It takes nearly 6 months to resolve any sort of dispute, while other places I bank at only take 30 days max. Most of the time resolving them within 10 business days. But nope not PNC.I 'm still waiting on a XXXX transaction to be disputed properly as money was sent to someone I don't even know and yet PNC has done nothing to help me get my money back. 

Because of all of this, I tried numerous times to reach out to their Treasury department to figure out how I can transfer my UPIC and every person I've called ( I'm sure they will have the recordings ) told me that it can't be done. 

FInally, I was able to reach the sales lady, XXXX XXXX who sold me the UPIC and she informed me that I would need to reach out to the third party that manages them in order to transfer it. Now, the problem is that that third party is NEVER AVAILABLE TO SPEAK TO. You can't get a hold of them whatsoever, and no one at PNC seems to be taking responsibility for this. 

I paid for something that I have zero way to manage and was given the impression that it was easy to use and easy to switch banks with if needed. This is not true.

I believe that if you are going to sell me a product you should have all of the information necessary to manage it, and you should inform all of your employees how to use it. It's common sense. But no, not for PNC. They completely misrepresented the product in order to get me to purchase it and have an account with them.

They've been impossible to communicate with as they only want to meet with me in person or on the phone where I have no control over what's being said and this is again, not ok!

I want my disputes resolved properly and I want out of this bank. I am looking into suing for all of the emotional distress this has put me under as well as misrepresentation
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request this time, I really need these items to be corrected as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In its " Explanation of closure '' for Case number : XXXX dated XXXX/XXXX/2016 Experian Credit Reporting Agency stated : " On XXXX XXXX, 2016, the results summary was sent to you for review. '' In my Reply dated XXXX/XXXX/2016 I stated, " I checked the mail today ( XXXX/XXXX/2016 ) and still have yet to receive any documents in the mail, summary or otherwise, from Experian. 

As of today, XXXX/XXXX/2016, I have still not received the " results summary '' Experian said it sent on XXXX XXXX. To assist Experian in sending me the " results summary '' to my correct mailing address I provide that address here : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Experian Subject : Urgent Request for Deletion of Incorrect Information on Credit Report ( Account : XXXX XXXX XXXX, Account Number : XXXX  ) I am writing to urgently request the deletion of incorrect information on my credit report under the Fair Credit Reporting Act ( FCRA ). Despite multiple reinvestigations, Experian has failed to correct the inaccuracies in the XXXX XXXX XXXX account, and the information remains incorrect, violating my consumer rights. 

**Account Information : ** - Account Holder : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX - Disputed Information : Charge-off status, amount past due, payment history, and account closure details **Details of Discrepancy : ** As previously stated, the XXXX report dated XX/XX/XXXX, shows : - Reported Date : XX/XX/XXXX - Balance : {$24.00} - Credit Limit : {$750.00} - Payment History : 81 % on-time - Current Status : Charge-off - Amount Past Due : {$12.00} - Account Closed : XX/XX/XXXX - Remarks : Consumer disputes- reinvestigation in progress However, Experian 's report presents conflicting information : - Balance Updated : XXXX. XXXX, XXXX - Payment History : Account charged off in XX/XX/XXXX and XX/XX/XXXX ; various late payments from XX/XX/XXXX to XX/XX/XXXX - Status Updated : XX/XX/XXXX - Highest Balance : {$34.00} - Last Payment Date : XXXX. XXXX, XXXX Despite the reinvestigation completed in XX/XX/XXXX, Experian failed to provide documentation of the investigation or inform me of the entities it contacted to verify the information, which violates 15 U.S.C. 1681i and 15 U.S.C. 1681c-2. **Violations Noted : ** - **15 U.S.C. 1681i** : Req
uires that credit reporting agencies conduct a reasonable reinvestigation of disputed information and provide the results of the reinvestigation. 
- **15 U.S.C. 1681c-2** : States that if information is found to be inaccurate, it must be corrected or deleted. Furthermore, the consumer must be informed of the entities contacted during the reinvestigation. 
- **FCRA 605B ( 15 U.S.C. 1681c-2 ) ** : Experian has failed to provide documentation or details of their investigation, hindering my ability to verify and follow up on their findings. 

Given that the discrepancies remain unresolved despite multiple reinvestigations and the failure to provide documentation, it is evident that the information can not be verified as accurate. This willful non-compliance with the FCRA warrants the removal of this account from my credit report. 

I kindly request that you : XXXX. Delete the incorrect XXXX XXXX XXXX account information from my credit report immediately. 
XXXX. Provide me with an updated copy of my credit report reflecting this change. 

Enclosed are copies of my credit report from both Experian and XXXX, highlighting the discrepancies for your reference. 

Please respond to my dispute immediately Enclosures - Copy of Credit Report from Experian - Copy of Credit Report from XXXX - Highlighted discrepancies
Product: Credit reporting

Last Fall I discovered two " hard '' pulls on my Experian credit report, from a business by the name of XXXX XXXX XXXX. I never had any dealings with the company, and they never received my authorization to pull my credit. Because XXXX XXXX XXXX never responded to me directly, a Better Business dispute was filed in addition to complaints with both the XXXX and XXXX Attorney General 's Offices. 

Experian responded to the BBB dispute, and removed the two hard pulls in XXXX. For some reason these hard pulls were put back on my Experian credit report last month, and they should not have done so.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX TX, XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX Dear XXXX XXXX XXXX. I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Mortgage

For the third year in a row Ocwen has sent an incorrect form XXXX for my taxes. This requires submitting an amended return, once they realize their mistake - which costs me money. This year I am holding off on filing my taxes even though I could use my refund. The XXXX I got this year says I paid XXXX in mortgage interest. I do not get statements from them but my principle and interest this past year was XXXX a month for a total of XXXX. When I contacted them in 2015 about the incorrect initial XXXX and having to file an amended return they apologized for the inconvenience. Normally mortgage principle and interest are straightforward calculations easily done by any computer. I do think that their financial abilities should be looked into I find it hard to believe that my account is the only XXXX they manage to miscalculate.
Product: Vehicle loan or lease

American Credit Acceptance ( ACA ) is cashing my payments but not applying them to the account. I sent a Money order payment for {$130.00} on XX/XX/2020 it has been cashed but not applied to my account. My insurance company sent a check for {$13000.00} on XX/XX/2020 ACA has not applied the payment. I have contacted ACA on several occasions reps and supervisors tell me they have not received the payments. I have contacted the money order company and my insurance company. I would like my payments applied and any applicable fees and interest waived that were incurred during the time they did not apply the payments. I can be reached by email XXXX. Thank you. 



American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX  XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to 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 that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.