23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had called the first week in XXXX, I was laid off and wanted to see if they could help. I was told they could modify the payment for two months, from XXXX. To XXXX, they sent paperwork I signed and was told all good. First payment I made that day was correct, second payment full amount was taken. I called to try to resolve this and was told by XXXX I was wrong, he had notes and recorded call. I asked for the paperwork to be emailed to me and to pull call. I never got paperwork, and was told he was not sure how to get call pulled and could not give a timeline. I also set up a new due date in XXXX, and they did not set it up until I called after they took the payment on the old date and was told it fell through the cracks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive the letter mailed-by TD Auto Finance at the above address inXX/XX/XXXXabout the last payment due. As you can see, my account was on autopay, so I assumed, like all other payments, the amount will automatically be withdrawing out of my bank account on the file. 
The only letter I received about the last payment due was on XX/XX/. Upon receiving this letter, I promptly paid the amount owing for the final payment. 
Then I received another letter dated XX/XX/, notifying me, We may report information about your account to credit bureaus. Late payment, missed payments, or other defaults on your account may be reflected in your credit report. 
I have always paid all my installments on time, never have I been late. Also, I was not aware that the last payment is made manually. I urge you, and please do not report to credit bureaus of this late payment as this was a misunderstanding and unintentional error. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 
Do not hesitate to reach out to me on my cell ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 a late payment was posted to my account in the amount of {$20.00} dollars on an account that has been paid off. I called the bank, and the situation was resolved due to someone charged my card for satellite radio which I do not have. later the l found out that lates were added to my account and I reached out to the bank again to fix the issue and at this time I was told that there is nothing they can do to resolve the issue even though it was no fault of my own.
Product: Checking or savings account

I paid an electric bill, that was placed in the wrong mailbox, that was not mine. I reported this to my bank ( Wells Fargo ), they replaced the funds and asked me to send verification. I sent them the verification. Then they took the money ( XXXX ) back off my account. They said I sent it jpg and they needed pdf. So, they placed the money back on my account. I sent the verification in pdf, last month, as they asked. Now, on XX/XX/23, theyve taken the money again. Saying it cant be replaced because how it was filed. My question is then why replace it, twice, and when I do send it in. Theres some other reason that they cant replace my funds. I am a XXXXXXXX XXXX on a fixed income. I know thats not a lot of money for most, but for me every XXXX is important. There were two employees I talked to tonight. XXXX from customer service and XXXX from resolution department both were extremely rude and unprofessional and were determined not to give me back my money. Any and all help you can give me will be greatly appreciated. Thanx
Product: Checking or savings account

To Whom It May Concern, I am writing to formally express my concern regarding the unexpected and unexplained closure of my checking account, XXXX, which I opened on XX/XX/year> Despite the banks claim that I was contacted prior to the closure, I never received any notice via email, phone, or mail. 

The account was only open for approximately two weeks and had no activity because I was waiting for my debit card to arrive. I was not given any opportunity to use the account before it was closed. Furthermore, I was not provided with a clear reason for the closure, which I find both unfair and inconvenient. 

I respectfully request the following : 1. A written explanation for why my account was closed, including any policies or guidelines that led to this decision.

2. Clarification on how and when the bank attempted to contact me regarding this matter.

3. Information regarding the return of any funds I initially deposited, including the timeframe and method of return.

I would appreciate a prompt response to resolve this issue. If I do not receive a satisfactory explanation, I may escalate.
Product: Debt collection

Prior Capital One account was charged off. Capital one reached out to me to apply for a new card and then rejected me because they had prior account charge off in system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to an advertisement from Mortgage Research Center , LLC, aka, XXXX XXXX XXXX ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the Veterans Streamline Refinance Program. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my FICO scores were to low, they said my report showed my XXXX score : XXXX ; XXXX : XXXX and XXXX : XXXX. However, when I accessed my credit file and checked my scores they were : XXXX : XXXX : XXXX : XXXX and XXXX : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?
Product: Credit card or prepaid card

I paid the balance on my Walmart credit card, issued by Capital One, on XX/XX/2020 which included new purchases of {$200.00}. The previous balance of {$2000.00} plus the new charges of {$200.00} for a total of {$2200.00} was paid on XXXX XXXX. I neglected to call and get a pay off amount so I was charged {$35.00} interest on my XXXX statement due XX/XX/2020. 
I called today, XX/XX/2020 and spoke with XXXX to get a payoff amount and was told it was {$35.00}. I asked to speak to a supervisor because they are charging interest on interest. I spoke with XXXX and was told the same thing, I owe {$35.00} today. I explained that on my statement it states that I will not be charged interest if I pay off new charges on that billing cycle. I also explained that the {$35.00} on my statement is interest charged from the paid account and I am not questioning that I owe that amount. She explained it is calculated daily which I understand, but if all I owe is interest and they are charging more on XX/XX/2020, Capital One is charging interest on interest. She stated that the correct payoff amount today is {$35.00}. 
The amount is minimal, but Capital One 's practice to charge interest on interest is not right, so I am complaining to hopefully, have them discontinue this unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, XXXX and EXPERIAN credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about a charged off account reporting incorrectly on my account. The company reported that I owed XXXX $ although went into a settlement with the company. I disputed and Equifax showed a settlement letter. Equifax stated the company " verified I owed the remaining balance '' regardless. The company, XXXX, finally updated to reflect the settlement amount since I was right, and reported the balance as XXXX. They reported as " Account paid in full for the less balance/settled '' with XXXX/XXXX. I called Equifax to let them know I did not dispute the amount owed anymore since XXXX updated the amount to XXXX. The customer service rep updated my dispute to state " customer disputes after resolution '' even after this. This was on XX/XX/XXXX. This is not what I had asked them to do. After receiving an updated copy of my report through XXXX, it showed XXXX as " 120 days past due/Charged Off '' for Equifax only. There is nowhere that states I paid this account nor does it state the account is now closed. The other two credit reports do. I was told XXXX reported it like this. I asked how XXXX would report the same account differently two 2 out of 3 bureaus.There is also a collections on my Equifax that was removed 2 weeks ago from the other two reports. I was instructed to call the collections company, which I did on XX/XX/XXXX, and ask them to remove it. XXXX XXXX informed me it was reported and it is Equifax that has not removed it yet not them. So they lied about why it was still on my report. My score is 20 points lower on Equifax due to their incorrect reporting ; however, they will not update my report regardless of the proof. They open disputes which takes up 30 days of a person 's life and then respond with " Verified by company '' although when I contact the company, they inform me that there was no verification on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Westlake Portfolio Management has called me at least 3 times a day, 7 days a week. This is disruptive to my day-to-day. My phone is constantly ringing and its harassment at this point. The times I have picked up the calls, I have been hung up on which is a complete waste of my time. When I do connected to a caller, they are very disrespectful- talking over me, telling me not to tell them how to do their job when I state my rights to not be harassed. The caller has admitted to using robocalls as well when I said that I get hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I attempted to get an auto loan quote through XXXX which I am a member for banking services and insurance. After providing the required information, I was told that XXXX would run a credit check through Experian for myself and my wife. While XXXX was able to receive information about my wife 's credit history, XXXX stated that Experian stated it was unable to verify my identity. I attempted to contact Experian to find a solution in getting my identity verified for XXXX via their number on the website XXXX and other numbers found online at XXXX, XXXX, XXXX. I was unable to talk to anyone in person regarding this as many of the numbers only had robocall functions. There were no options to get to talk to a live person. 

On XX/XX/2019 I received an email telling me to check myidcare ( credit monitoring service provided by the federal gov ) that my credit had been checked. I saw that myidcare listed a credit check even though Experian was unable to verify my identity.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Credit card or prepaid card

American Express is overcharging interest on card accounts based on reflected calculations on my end. After noting the issue with the company, they did n't have much to say other than that they had to forward it as a billing inquiry.
After demanding answers as to why they claim that the Interest was actually incorrect ( they admitted to that ), I was given a credit of XXXX cents that they claimed was auto-generated by their computer system. The XXXX cent credit creates even more confusion.
Here 's the breakdown of my calculations.
The cycle in question was between XXXX XXXX, 2017 and XXXX XXXX, 2017.
The Purchase Balance is in a promotional state until late XXXX, so 0 % interest is applied until then, so that wo n't be listed.
The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate.
The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XXXX XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance.
As of XXXX XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XXXX XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XXXX XXXX  the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}.
So, you have ...
Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2300.00} for 8 days Cash Advances Balance on XXXX/XXXX/2017 : {$2200.00} for 1 day Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2400.00} for 2 days Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}.
Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total interest charge of {$53.00}.
Their interest total was {$53.00}, a XXXX cent overcharge. As I mentioned earlier, they credited my account XXXX cents which does n't make sense. It should 've been XXXX cents credited and retroactive on the account so it would n't begin charging interest on the amount that was overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information report on my Experian Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

We carried an ongoing balance on an American Express Credit Card. Each billing statement, indicates the statement balance to pay and the total balance to pay. On XXXX XXXX, which was the payment due date, we paid the Total balance in full. Now a new statement has come in and they have charged me some type of fees and more interest. We had {$8.00} in charges and {$130.00} in fees and interest. Their explanation is that in the fine print of the agreement it states that they can charge fees and more interest on balances or payments that were made late in the past. I asked them, based on this, how would one ever be able to pay off a balance if they were allowed to tack on fees and interest for the past AFTER the balance was paid in full. They said it was in the agreement and totally legal. I said, even if it is legal, is it right? I paid off the balance in full, there should be no new charges.
Product: Prepaid card

I received an Amex gift card from helping my teacher and when I got it I wanted to spend it online. However I found out that it doesnt work anywhere.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my XXXX credit report that do not belong there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX