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

A charge appeared on my Statement ending  X/X/17    for {$65.00} dated  X/XX/17    from  XXXX . I did not make this charge.  XXXX  is not my cellular carrier and I have had the same mobile carrier (  XXXX   XXXX   XXXX  ) for 2 years. I did not buy anything or use any service from  XXXX .     I filed a dispute for the charge upon receiving my statement, which  Capital One a cknowledged. They removed the charge from my bill, and then  two  months later added it back. Capital One did not supply evidence of the validity of the charge nor did they even bother to ask  XXXX  to verify or substantiate the charge. They simply added it back to my statement. I should note that this is the 3rd time in 5 years tha t Capital One  has violated the FCRA in failing to research a disputed/fraudulent charge on my card.     I have continued to pay my bill in full minus {$65.00}, however now  Capital One i s charging me interest on the unpaid portion which derives from the {$65.00} charge they added back.     I wrote  Capital One  a letter again reiterating that I did not make this charge and if they insist it is mine, simply provide proof from  XXXX . They acknowledged my letter but 2 months have passed and no action has been taken.
Product: Money transfer, virtual currency, or money service

Carvana has failed to initiate a refund for my cancellation request on an order. The order was cancelled on XX/XX/year>. I am due a refund of {$1000.00}
Product: Debt collection

Navent want to collect and pay for a debt included in a settlement. The loan was originally taking out in California and Payments was made in Texas and Florida. The loan discharge in Florida. 


I don't know what address they have on file because it change with permission. 

According to the settlement : Certain private loan borrowers will receive a notice from Navient that their qualifying private loan has been cancelled, and that the credit bureaus will be alerted to remove the loans tradeline. ( A tradeline is information about a consumer account that is sent to credit bureaus. Tradelines contain data such as the account balance, payment history, and the status of the account, g., current, past due, or charged-off ). 


My loan was issue in 2006. I want to know if I qualify?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and equifax are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with. 
According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

Midland Funding LLC filed a lawsuit against me for an alleged debt they allegedly purchased from XXXX. I had sent them a Notice of Dispute/debt Validation but they did not validate the debt. I settled with them for a nuisance value of {$1000.00}. However, they have issued a XXXX for cancelled debt which is not mine. I have disputed this XXXX with IRS and Midland, who have failed to provide proof of ownership or validation of this debt. 

Also, this issue arose XX/XX/XXXX and Midland Funding issued the XXXX directly to IRS with NO copy to me or my Attorney. Is this legal? this is under-handed tactic and I only became aware of this as I was audited by the IRS XX/XX/XXXX for failing to declare this XXXXof XX/XX/XXXX, of which I had no knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit hits on my credit from XXXX XXXX, XXXX and Comentity Bank XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is saying that I have a credit card with them and I donot I try o get US Bank to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.US bank saying it have been open for six months. never been use
Product: Student loan

My student loans managed by Nelnet was in forbearance due to COVID 19 and also had a pending Borrower Defense Application which was approved by the US dept. of Education on XX/XX/ XXXX 

My student loan balance showed approximately {$140000.00} a couple of months ago. Nelnet has not been transparent and added interest of about $ XXXX {$30000.00} while I was still in forbearance. 

It looks like only about {$67000.00} was recently discharged as a result. 

I believe the over {$100000.00} balance left on my student loans should be less than that and Nelnet is trying to take advantage of me. 

I need a breakdown of the loans taken for attending XXXXXXXX XXXX and the interest on those loans.
Product: Mortgage

The Money Source ( TMS ) was my mortgage servicer and I refinanced with XXXX XXXX  effective XX/XX/XXXX. XXXXXXXX XXXX wired transferred to TMS on XX/XX/XXXX, provided to confirmation number : XXXX. Email reply on XX/XX/XXXX, from XXXX XXXX from XXXX XXXX ( processor of refinance on behalf of XXXX XXXX  ) : Additionally, our payoff to The Money Source was successfully sent via wire on XX/XX/XXXX. The confirmation number is XXXX. Today, XX/XX/XXXX, TMS reports receipt of funds for XX/XX/XXXX and charged late and other fees that were not recorded in their " payoff statement ''. These TMS fees were labelled as " Irregular payment charge '' for : {$270.00}. However, in my XXXXr TMS statement, TMS notified late charge of {$270.00} would be applied if payment was received later than XX/XX/XXXX. Therefore TMS has charged me the above stated amounts with no justification since my mortgage payment was due by XX/XX/XXXX, and XXXX XXXX fully paid my principal and interest and more by XX/XX/XXXX. 

Further, on XX/XX/XXXX, XXXX XXXX paid TMS {>= $1,000,000}. The Payoff StatemenXXXX provided by TMS, attached informed payoff amounts as : 1. Current unpaid Principal Balance is : {>= $1,000,000} Interest at 3.00000 % XXXX Recording Fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Fees XXXX Payoff Statement Fee XXXX * * * * TOTAL AMOUNT TO PAY LOAN IN FULL * * * * * {>= $1,000,000} *** TOTAL AMOUNT PAID BY XXXX XXXX  XXXX ( {>= $1,000,000} ) TMS Payoff letter ( attached ) does not list any additional fees that they have charged me ( listed in 1st paragraph for {$270.00} ). Per TMS 's XX/XX/XXXX statement, the {$270.00} refers to late charge if payment were submitted after XX/XX/XXXX. 

I therefore accuse TMS of making 2 inaccurate accounting errors and 1 Untimely payment of overpaid mortgage payoff funds due to borrower for : 1 ) False accounting of recording mortgage payoff payment receipt as XX/XX/XXXX when confirmation from XXXX XXXX ( refinanced bank ) shows wire transfer on XX/XX/XXXX. 
2 ) False or unexplained additional fee of {$270.00} that is not explained anywhere in their PayoXXXX Notice. 
3 ) As of today, XX/XX/XXXX XXXX is still holding the overpayment of over $ XXXX due to me. 

XX/XX/XXXX - After numerous attempts of calling TMS from XX/XX/XXXX currently, I was not allowed to speak with anyone but the " customer service '' agent who stated that a supervisor needed to be contacted. I waited to speak with a supervisor for 43 minutes but no supervisor picked up the phone. The operator instead came back after 43 minutes stated that supervisor was still not available and that a supervisor will call me and as of XXXX XXXX I received no call back. The customer service agent reported that TMS intends to pay me about {$9600.00} but that this check has not yet been made. The fees of question was an issue the customer service agent could not explain.
Product: Checking or savings account

Last year XX/XX/year> I opened up a " No Penalty '' CD account with CitiBank online. 
I transferred XXXX and let it sit there for a the high 4.75 % interest. Now, when I signed up It was clear to me based on what I read on their website that IF the account renews at maturity ( without my knowledge ) it would automatically renew to the same " TYPE '' of account ( IE " No Penalty '' ). 

Not only they never contacted me when they are supposed to ( at maturity ) but they renewed my NO PENALTY CD to a WITH PENALTY CD FOR 12 MONTHS. 

When I contacted the they notified me on the phone that when I opened my account, the account balance was so high that I didn't actually get assigned to anyone at CITIGOLD fo them to even contact me as a " relation manager '' because I wasn't assigned to anyone until later this year ( first time i heard about her by her calling me ) also she said they sent their only notification by USPS mail ( which I never received ) and there are NO notices online or any emails or any calls whatsoever. 

I think this is bait and switch. I never signed up for a SET TIME CD account I signed up a NO PENALTY CD account and at maturity it should have either been renewed into a SIMILAR TYPE of account or contact me to have my decision before changing the TYPE of my account. 

I just heard about this and now I have 260 days until i can pull my money. I contacted the bank and was put in touch with the person in charge whom told me my PENALTY would 6 ( SIX ) MONTHS OF INTEREST ( approximately {$4900.00} ).

I believe that is Upsurt and criminal. I asked for the document to show me my signature of what i signed and says that my account type would change and they never can provide it. 

please follow up on this so that i can get my money back I am looking at purchasing a house with these savings. 

Thank you,
Product: Payday loan, title loan, personal loan, or advance loan

Working with headway capital has not been a positive experience. The representatives were very sneaky with their wording and reassured me the low interest rate was to my benefit. When I got my line of credit for my business the representative told me that it was 5 % and then didn't explain that it is actually 63 % apr and accrues daily so if you pay it off very fast you pay less interest. 
I have screenshots of text messages with CL visual who is a supplier working with headway capital and he states that my interest rate is 5 % per month. but then said that each month there is a balance it increases by 5 % per month, which doesn't add up to 63 %. It's all very confusing and nothing is direct or clear. But then when you call them on the phone they let you know the interest accrues daily so the text message telling me it accrues monthly is incorrect. 
They misrepresented the interest and never sated that it was 63 %. When I called to complain and get information they told me that's to my benefit, which of course is not. I've paid over {$30000.00} in interest in the last 9 months. I was told the 5 % over the phone and not in writing so there is no way to prove that they misrepresented, but it was awful to look at the account and see how much I was being charged the entire time while thinking I was only paying 5 %. I got this loan in XXXX of XXXX. I paid it off when I found out what was happening, but there was no apology or way to make it right.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Someone opened an account and the fraud in my company had money transferred to an account in my companies name however we do not own and are not associated with this account at the moment it looks like they were able to scam close to {$40000.00} from us and our customers. 
I have the bank name, account numbers, routing numbers
Product: Credit reporting or other personal consumer reports

I am sending this request to bring to your attention an issue with my credit report that requires your immediate attention. Upon reviewing my credit report, I noticed that an account with XXXX XXXX XXXX is still being reported in my Experian report, even though it was bought by another creditor. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and I request that you investigate and correct this error. The account in question is listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} The FCRA requires that credit reporting agencies provide accurate and up-to-date information in consumer reports. Inaccurate reporting, such as the failure to reflect the change in ownership of the account, violates this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My significant other purchased a home in XXXX Az in XX/XX/1999. 
In the last 23 years, the servicer has changed several times currently Carrington Mortgage is serving us previously it was XXXX. 
I have occupied this residence with my significant other and paid the mortgage on the property since XX/XX/1999. 
My significant other passed away on XXXX. 
Upon confirming that I am the legal " successor in interest '' with Carrington Mortgage by presenting them with appropriate verified documents and their acknowledgment of them. 
Carrington Mortgage informed me I would not be allowed to have my name on the Mortgage unless I negotiate a brand-new Mortgage with them, in addition, I would not be reported as making payments on time to the credit bureaus even after I have been making payments on the Mortgage for the past 16 years.

Carrington Mortgage has deactivated the auto-pay access for the account.

I have to manually ( talk to an agent ) in order to make payments.

Carrington Mortgage has offered no help nor are they providing timely monthly statements.

I work and my job barely gets me home in time to make payment calls.

Manual payments are not accessible on weekends.

They're greedy and want a refi the mortgage because my monthly payment is under {$500.00} and 7 years to the end of the contract. 
Not to mention their need to appear profitable in order to make itself attractive to XXXX XXXX  which they are in the process of being acquired by. 
Are these actions by Carrington Mortgage legal? 
Is there any relief for my situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.
Product: Vehicle loan or lease

Bought truck in XXXX 2022 Never received any form of communication from bank, no payment books, no emails, no phone calls Do not even have Loan or account number for Loan Day after Memorial day truck was repossessed without any due process took 2 days to find out who repossessed it and what bank to call Bank stated that they had wrong address and phone number- but Plates came to address, Taxes came to address, and the tow truck came to the address When speaking with Bank - Wells fargo - made excuses but did not offer any solutions Still after 6 days no solutions and no truck - have to go and pick up property Wells fargo Auo handled this agreement wrong from the strat and has handled the outcome wrong - very unprofessional
Product: Credit reporting or other personal consumer reports

Amount : {$25000.00}. 
Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code Bridgcrest is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX )
Product: Credit reporting or other personal consumer reports

When handling disputes TransUnion uses faulty intake procedures, and does not accurately convey all relevant information about disputes to the original furnisher. TransUnion routinely and uncritically accepts the original furnishers response to the disputed information, even when the response was improbable or illogical on its face, or where is TransUnion has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, TransUnion sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing ambiguous, incorrect, or internally inconsistent. TransUnion has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, TransUnion improperly reinsert inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report has been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a few furnisher.
Product: Consumer Loan

I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Keep in mind I have never been late and pay on time. I mailed my check to them over two weeks ago, but somehow I am not current. I then asked for a supervisor. I was put on hold again for almost a half an hour. When the manager answered he quoted policy and stated he could not switch the due date. He then told me of the various ways I could pay. I stated I had already sent the check in and could not log in to their website as it was asking me for an office number that was never provided to me. When I asked him for that information since he was not going to help with my due date, he told me I had to call customer service and provided me with the same number I had just dialed to get him. He was rude and argued with me the whole time and made me feel like I was the person in the wrong when I am the customer and well within my rights to call and ask for something. I asked him when was the ideal time to stay out of violation of policy to call and get my due date changed, and the manager could not provide me with an answer. I have never been more dissatisfied with a financial company that I am with this XXXX. They are rude bottom feeders. I was set up with them through the car dealership. Considering all the money in interest they make on just me alone, I would suggest someone never does business with them ... .ever ... under no circumstances.
Product: Debt collection

Caine and Weiner is a collection account reporting a debt that does not belong to me. The orginal creditor XXXX XXXX XXXX sold it to this company and the debt is no longer mine nor do I owe it due to the Fair Debt Collection Practices Act. 

Caine and Weiner is reporting a collection account with a balance of {$1100.00} and a past due balace of {$1100.00} which is inaccurate and a violation on this collection/charge off account. 

I have contacted them directly via certified mail twice with no response in over 60 days and they are still reporting to all credit bureaus. They can not verify the debt and violated Fair Dept Collection Practices act 15 USC1692g Sec 809 ( 8 ) ( FDCPA ).