23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DATE : XXXX, 2024 RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Bank account or service

Paypal is holding my funds refusing to release and continues to not remove the hold time on my account even though multiple employees confirmed I was verified and shouldering have funds pending. This is punitive and without cause. I believe they are holding funds for the specific reason of doing night sweeps into interest bearing accounts to monetize the held fund from all their clients. I have now spent 2 months on tis issue and each time a payment is held I work with the service team to their to ensure I am verified and in good standing to not have a hold on my next payment. Once again they hold it. They are deceitful and dishonest. 

The best part of this whole situation is I just found out now each time i have called an requested the funds be released early, there staff is instructed to make a request. The request actually goes to the same department and know that they are unable to actually approve the request. This is done to stall the consumer to further help paypal fraudulently hold funds.
Product: Checking or savings account

Wells Fargo willfully and fraudulently advertises that their Overdraft Rewind program is a program that as a service to help avoid overdrafts or declined transactions. 

https : //www.wellsfargo.com/checking/overdraft-services/ However, they deceptively and illegally fail to mention that utilizing this program - which is being advertised as a perk by Wells Fargo - will then be viewed as a derogatory credit event by them - resulting in either denied credit or higher interest rates then charged by Wells Fargo XXXX
Product: Checking or savings account

After filing a complaint when my account was compromised and funds stolen, Capital One blocked my online access and restricted my account. After numerous phone calls, I was told I had to visit a branch to verify my identity. This was my only option to have the restriction removed from my account. The closest branch was 5 hours away from my residence. I took off work to drive 5 hours to verify my identity. My visit was more of an interrogation as if I was a suspect of a crime. I was informed that they are still investigating and my account restriction could not be removed, so I was gave false information and I feel Im dealing with constructive fraud with Capital One.
Product: Credit card

I had an e-mail stating " your bill is due '' with a subject line of " Make a payment '' And I start stressing since I thought I had it marked in my calendar, and when I open the e-mail it then reads " ... as a reminder, your bill is due XX/XX/XXXX '' This 'bait and switch ' is NOT OKAY, I never miss payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account and credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXXXXXX XXXX, {$1500.00} and XXXX XXXX, XX/XX/2019.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i seen an add showing that i was pre approved for {$20000.00}. So I applied the company regions bank. After putting in all documentation needed they sent an e mail showing that i had funds awaiting for me. Then got a letter saying that i was denied. The company couldnt give me a valid reason as to why they denied me and told me they couldnt give out that type of information. So they lead me into a false ad that not only hurt my credit score but made me feel horrible as a consumer. They violated me and since they didnt give me an answer as to why it was discrimination section 15 U.S.C. 1691.
Product: Checking or savings account

As of XX/XX/XXXX CapitalOne has frozen all of my accounts due to not having a business account and receiving the PPP forgivable loans. I applied for these loans using a reputable lender, used the governmental application, signed the XXXX  loan promissory note, submitted my XXXX tax return prepared by XXXX  XXXX, submitted my 1099 from XXXX, my incumbency letter with the booking company that I use as a XXXX XXXX  starting in XXXX and my schedule c. CapitalOne has nothing to do with these loans and told me that I was fraudulent. I have tried contacting them ; have been on hold for hours and the only answer they could give me is that this money would be returned to the lender and there is not time frame to access. They told me I needed to find another bank to change any direct deposits. There is no CapitalOne in my city and I literally don't have access to any of finances. I have triple checked the cares act and it accept 1099 worker, doesn't require business account. Please help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : XX/XX/scrub>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 TransUnion XXXX 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 many incorrect inaccurate accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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: Money transfer, virtual currency, or money service

Cash app continues to allow unauthorized accounts to attempt to withdraw money. I have called on several occasions. And when money is airbag that was unauthorized I am not able to use the money that I know that I should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested.

I then called today (XX/XX/XXXX ) and spoke to three different people who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit card or prepaid card

2 credit cards were opened in my name. They are affecting my credit score very badly.
Product: Mortgage

I have a HELOC account with Citibank since XX/XX/2016. Last month, I went to its branch to pay off the balance which the teller provided the balance owed. I received a statement showing a credit balance. However, the bank charges me interest on a credit balance. I went to the branch and was told to pay off the credit balance. I did. Then the next day, I went back to the branch. I still owed them the same credit balance. I was now advised to borrow {$1.00} from my HELOC account to see if the glitch can be fixed. I do n't know if I 'm responsible for interest ( 4 % ) accrued from the loan amount of {$1.00}.
Product: Consumer Loan

Honda Financial services Illegally submitted Double car Payments and unauthorized to thousands Of its customers since as early as per some customers say since XXXX XXXX and Honda Financial services Knew and until today XXXX/XXXX/16 I was victim of such act and it was personally taken out illegally form my bank without Permission or authorization. I trusted My bank information on there site and Never agreed to auto pay, easy pay.. I solely Left that information so when I want to pay future payments and the information was stored. leaving I thought it was safe with a company so big to leave my bank information. I have lost all trust. This also created alot of problems when I was declined at animal Hospital.
Product: Checking or savings account

It's been several weeks since bank suspended my XXXX profile. I contacted many times to get it resolved. But they haven't done anything. They refuse to get a complaints registered because they say they have nothing to do because XXXX XXXX needs to do it. What am I supposed to do
Product: Credit card or prepaid card

1. Date I paid {$1500.00} was XXXX and my credit limit was XXXX 2. Date they lowered my credit limit was XX/XX/XXXX 3. XX/XX/XXXX is the day I was told they would refund me XXXX 4. XX/XX/XXXX letter that notifies me they refunded XXXX not XXXX In XXXX of XXXX an interesting set of facts occurred. 
I had an active Citi Card Double Points credit card account with a XXXX available balance. I have been a good and reliable customer with CITI and made my payments regularly. I have not always paid on the due date but I have not gone over 30 days late within the past several years. 

I mistakenly paid XXXX on XX/XX/XXXX, I meant to pay {$150.00} and somehow missed that I added an extra zero. 
ON the XXXX, CITI lowered my credit line. 
On the XXXX I realized I had made a mistake and asked for a refund of XXXX. I was told by a representative of Citi that they would refund the XXXX. Sometime after the XXXX I received a written letter from CITI dated the XXXX, explaining they had refunded only XXXX, and that since they lowered my credit line to XXXX, they could not refund the remaining {$740.00} because it would exceed my credit line. I find this to be very onerous since the original payment occurred on the XXXX and at that time I had a credit line of XXXX. First, why would they lower my credit line after receiving the XXXX payment. That seems to be an odd reaction. Why can't they refund the portion I overpaid in error. Well, they can they just will not. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how XXXX violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports
Product: Credit card

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, XXXX, TransUnion I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

I sent a Principal payment in the amount of {$2900.00} which Carrington Mortgage received and cashed on XX/XX/XXXX. On that same date, they applied {$850.00} of that amount towards the Principal ( Curtailment ) ; however, the remaining {$2000.00} has remained unaccounted for. While this is the amount of my monthly mortgage, my monthly mortgage payment of {$2000.00} was auto-drafted from my checking account on XX/XX/XXXX. Once I realized that the payment was never properly applied, I contacted the mortgage company by phone on XX/XX/XXXX. The representative that answered stated that the funds were sitting in my account and were unapplied. She stated she would make a note in the file and forward the issue to another department to get the funds applied. She could not provide me a time frame in which the issue would be corrected. 

I continually watched the payment history on my account to see if the issue had been corrected. On XX/XX/XXXX, I noticed that the {$2900.00} had been listed as a " Principal '' payment as XX/XX/XXXX, but was also listed under the " Suspense '' column as ( {$2900.00} ), which indicates that it was removed. 

I contacted Carrington Mortgage once again by phone on XX/XX/XXXX. The first person that answered the phone stated that it was applied on XX/XX/XXXX. I told him that was erroneous, as it should have been applied on XX/XX/XXXX and that the company has continued to charge me interest on money that I have already paid. He placed me on a brief hold and when he returned, he stated that it would not be corrected because it was my error. He went on to state that I mailed my payment to the regular mortgage payment address, when I should have sent it to the " principal payment address ''. I explained to him that I sent it using the payment stub attached to my monthly billing statement. There is a line indicating " principal '' on the payment stub and that is what I use. Under the " monthly payment '' box I put " Auto Draft ''. I have been submitting additional principal payments in this manner to the address on the payment stub since XX/XX/XXXX with no issue. He stated that he was told by an individual in a higher position that they could not do anything further. I asked to speak directly to that individual. 

When I was transferred to this individual, I believe her name was XXXX, she stated that it was not because of where I sent it, but that they were unable to back date it in their system. I told her that was unacceptable. It was their error. They cashed the check on that date and I should be credited with the principal payment as of that date NOT two months later. She stated that she was going to reach out to a different department and would contact me back within 72 hours to follow up. It has been 12 days since that conversation and I have not heard back from anyone at Carrington Mortgage nor has my principal payment from XX/XX/XXXX been corrected.
Product: Credit reporting or other personal consumer reports

XXXX Lexington Law - I've received services from Lexington Law over an extended period of time on two separate occasions. Lexington law required payment upfront before services were conducted etc.
Product: Bank account or service

I transferred {$2000.00} to my HSA account on XXXX/XXXX/16. It was removed by BB & T on XXXX/XXXX/16. I went to the bank XXXX/XXXX/16 & was promised that the money would be credited to my checking account. On XXXX/XXXX/16, it was not credited to any account.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Car Title Loan RE : XXXX XXXX XXXX On or about XX/XX/XXXX, I refinanced my previous car loan title at Wilshire Consumer Credit of {$7600.00} at he rate of XXXX per year. I missed the XX/XX/XXXX payment. On or XX/XX/XXXX, I made payment of {$360.00} through XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, WCC repossessed my car. On or about XX/XX/XXXX I paid WCC {$1200.00} to recover my car. On or about XX/XX/XXXX, I requested a payoff from WCC. On or about XX/XX/XXXX, I received a payoff letter form WCC of my car in the amount of {$7100.00} that will expire on XX/XX/XXXX. On or about XX/XX/XXXX, WCC posted my payment of {$360.00}. On or about XX/XX/XXXX, WCC posted the check of {$7100.00}, received XXXX XXXX XXXX XXXX. For several phone calls to WCC and asked to return my overpayment no less than {$360.00}. I was told by several WCC personnel nothing to be return or refunded to me and I still have balance XXXX {$95.00}. 
WCC management refused and denied my overpayment.
Product: Debt collection

This dispute is in reference to a XXXX account, that I had know idea had a lingering balance. I just received a letter from XXXX XXXX XXXX. This debt originated in XX/XX/XXXX, per the correspondence that was received. Apparently, there were fees charged unbeknownst to me when I transitioned to a different company. It has been over 6 years, beyond the allowable timeframe to collect on this account. For the last 6 years, I never received any correspondence regarding this account. I just received a statement this month, XX/XX/XXXX, over 6 years later demanding payment of {$890.00}. This item also never showed up on my credit report, and still has not, so I had no way of knowing of this obligation up until now. Although, they are not reporting, I want to be proactive before they do and it results in yet another ding to my credit. I have attached a statement for your reference.
Product: Student loan

I had XXXX student loans open with Navient at varying interest rates. I enrolled in auto debit to take advantage of the interest rate reduction offer. I also worked to pay down my higher interest loans first and have paid off XXXX of my highest interest rate loans so far. However, when I make additional payments to a loan I am paying down, my auto debit payment is not allocated properly. When I make a payment on a higher interest loan, the normal amount is still deducted from my bank account for the auto debit, but this amount is only partially applied to the loan it is specified for. Most of the money deducted from my bank account is allocated to lower interest rate loans rather than putting the money towards the high interest rate loan I am working on paying down. 

For example, let 's consider I am paying down loan XXXX out of XXXX loans. When I make an additional payment to loan XXXX the auto debit for loan XXXX is then allocated to loans XXXX-XXXX along with the normal auto debit payment amounts for loans XXXX-XXXX. This is essentially keeping the principle with higher interest rates high while sending the money to lower interest rates loans. I have called and complained about this. I am currently paying down another high interest rate loan and I had to request to remove the loan from auto debit ( and accept the higher interest rate ) so that I can control how my money is allocated.
Product: Debt collection

I had a credit account with another company that was sold to Concora which was 6 months into a 12 month no interest promotion ( leaving 6 months left with no interest ). I never received any documentation about the amount transferred ; instead, when I was first able to access my account through Concora, the balance was about {$400.00} higher than it should have been. When I contacted Concora I was told that they had applied the interest from the past 6 months to the account, but if I paid off the original balance within the 12 month period of the promotion then the added interest would be removed. I asked for an account statement showing the amount of interest applied and never received that, and there was nothing in my statements to indicate that anything had been added to the balance. 
They continued to add interest for the next two months and I ultimately paid off the original balance and am waiting for verification that the account is closed.

If I hadnt kept detailed notes of my accounts I would not have had any way of knowing how much I actually owed, and Concora was unwilling to share that information. 
I am filing a complaint because this is clearly a deliberate attempt to mislead and steal from customers.