23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I notified Capital One of a dispute with a merchant, XXXX, concerning a service that I purchased, but did not receive in accordance with the contract I signed with them on XX/XX/XXXX. The billing amount for which I sought a refund was {$750.00}. 

For reference, the contract established with XXXX, was for digital marketing for my independent small business. The total billable amount was for {$1500.00}, of which I paid {$750.00} using my Capital One credit card. The merchant did not provide the agreed upon service. I was notified by XXXX, the platform on which XXXX was contracted to provide digital marketing, that the marketer ( XXXX ) violated the terms of XXXX XXXX XXXX XXXX for XXXX XXXX. After I was unable to resolve the issue directly with the merchant, I contacted Capital One 's Customer Care team to dispute the charge. 

I have gone back-and-forth for the last few months with Capital One. I have provided details on the situation, but fear there is a lack of understanding on the intricacies of how the merchant in question failed to render the services that were agreed upon. That said, it is clear that XXXX blocked the ads and I did not receive the services for which I paid. 

On XX/XX/XXXX, Capital One sent me a letter that the dispute has been closed, citing " a limited amount of time to reverse a charge on ( a ) customer 's account ( s ) ''. This is not valid for this dispute. Again, the transaction in question was billed on XX/XX/XXXX, and I notified Capital One of the dispute on XX/XX/XXXX. Given the timing of my report to them, as well as the necessary back up that I provided, I am expecting a complete credit of this charge in the amount of {$750.00}. 

Please also note that I paid for part of the contract with XXXX with a different credit card. That card issuer, XXXX, was provided with the same details I have shared with you and already resolved the matter by issuing me a full refund. This leads me to believe that Capital One is not acting in good faith to resolve the {$750.00} dispute I have brought forward. 

On XX/XX/XXXX, I sent a fax to Capital One requesting that my case be escalated and the refund be issued. ( I havea confirmation that the fax transmission was received, but I never recevied a response from Capital One. ) I am a small business owner and struggling to make ends meet in this economy. I need help getting this situation resolved. I believe this refund should be covered under the Consumer Rights that Capital One has published.
Product: Mortgage

Entered into an agreement with LoanCare however, they keep requesting the same information that has already been submitted, they charged us {$200.00} for a loss mitigation package, and it still shows we are behind after requesting an unemployment forbearance consideration, which we were approved for on a FHA mortgage
Product: Debt collection

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting CFO/Treasurer for a legally formed business entity, I phoned American Express on XX/XX/XXXX at exactly XXXX a.m. ( PST ). During this 33 minute call, I made it known that the business I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which I am the CFO/Treasurer, then I believe American Express ' attempt to collect should be levied against the business entity. Not me as its employee. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities.
Product: Money transfer, virtual currency, or money service

I called paypal and told them I wanted to open up a paypal claim on a recent purchase I had made. I was advised that due to the nature of the case ( seller provided invalid tracking number ) It would be in my best interest to open up a claim with my bank first. I asked multiple times if my paypal account would be affected and I was told NO, Paypal and my bank would work together to find the best solution for me. Turns out since I paid with " pay in 4 '' my account would indeed be affected. The original 4 payments I had made ( 4 payments of XXXX ) were then removed from paypal as my bank was now holding it. Paypal told me the best solution would be to close the bank claims and re open them on paypal so I did exactly that. Canceled the bank claims and opened it on paypal. After a couple of days I won the paypal claim but the claim winnings were taken by paypal to reimburse them for the original 4 payments that my bank had held BUT I had already closed the bank claims meaning the funds were released back to paypal. So they have my original {$1000.00} and now an additional {$1000.00} from the claim winnings. Its been over 90 days since the claims were closed with my bank, it takes 45 days MAX for funds to be released to a merchant when a claim is closed with your bank. I provided withdrawal letters to paypal, did 3 way calls with my bank and paypal, did all I could yet Im still told that you guys dont have the money. I will be proceeding with legal action under the small claims court if Paypal does not release my funds. The merchant was XXXX XXXX, for the amount of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, USAA SAVINGS BANK acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I went to the emergency room as a private pay, non insured individual. on XX/XX/XXXX. The hospital and all associated services/personnel billed as such. All of a sudden in XX/XX/XXXX, amount of XXXX a derogatory collection shows up on my credit reports with NO PREVIOUS BILLING AT ALL. I do not know what the charge is for or how much it was to begin with. I contacted commonwealth finance systems and ask that they remove it from the credit bureaus as we work thru this and they ignored me and put me on a continual call roll .... my phone rings 20 times a day. Each time a different person calling from common wealth, instead of the XXXX individual I was told had my file, all correspondence was sent to : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

At this point I feel like Im not being acknowledged as a human being and Im truly disappointed in the company effort to help my needs. Im beginning to understand that XXXX XXXX XXXX is misrepresenting this debt and how its being presented to me because Im not getting what Im asking for which is a copy of the contract which I have yet to receive. Reason being Ive been apart of multiple data breaches in the past and i understand that complies must follow the Fair credit act and FDCPA and XXXX XXXX XXXX is violating my rights under 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information 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 And plenty more can you please help to make sure they follow the rules.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

My original Federal student loans for approximately {$30000.00} when I graduated in XX/XX/XXXX were purchased by XXXX. At the time I was making multiple payments each month for several student loans taken out during the course of my college education. XXXX approached me about consolidating these loans which I agreed to but they also extended the loans from 10 to 15 years which I wasn't aware of and would not have agreed to. So in essence my loan consolidation ( which I agreed to as a convenience also turned into a loan EXTENSION. 

Five years later my XXXX loan ( s ) were purchased by Navient which, after faithfully making payments for the past 12 years, claims I still have a payoff balance of over {$15000.00} which is more than half of what my original student loans were for. I have documentation from Navient showing I have already paid back over {$22000.00} since XX/XX/XXXX. They have not provided me with payment history from XX/XX/XXXXto XX/XX/XXXX which should be around {$12000.00}. 

I dispute that after paying back over {$33000.00} over the past 11+ years that my payoff balance is still another $ XXXX. I have been trying to contact Navient for over 6 months but have been unsuccessfully at being able to get them to answer or return my calls. 

Seeking external assistance I opened a case with the Ombudsman group in XX/XX/XXXX. The person assigned to the case spent the next several months getting Navient to send their documentation. In late XXXX he was able to forward me copies of my loan repayment history from XX/XX/XXXX-XX/XX/XXXX ( nothing from XX/XX/XXXX-XX/XX/XXXX ) along with the XX/XX/XXXX promissory note for my loan consolidation/extension which shows I only consolidated one loan for the amount of {$1000.00} and loan payoff sheets stating that the loan with interest would total approximately {$26000.00} ( I'm unsure of exact number because of the barely legible fax sent by Navient ). 

The Ombudsman case was closed before I had received the documentation and was able to call back with my understanding of the documentation and how it appears to contradict Navient 's claim that I still owe them {$15000.00}. I am in the process of trying to get the case re-opened but have been told it may take up to 30 days and there is no guarantee it will be reopened. 

I have spent the past 6 months unsuccessfully trying to contact Navient and to work the Ombudsman group and I have made zero progress with my dispute. I have found several reports online that Navient has been sued several times for their mishandling of student loans and feel that I may be another victim of the same or similar practices. student loans and poor customer service. 

I am hoping that filing a case with the CFPB might help me with this situation by either forcing Navient to return my calls and to explain how they've handled my loan payments and why my outstanding loan balance is not much closer to being paid off now than when I first started making payments on it over 12 years ago.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my pay off account balance of {$810.00}. After paying off what my statement indicated would be my pay off account balance I was charged {$10.00} of interest while my payment was being processed. I've had my credit card with BVVA Compass since XXXX and had never missed a payment. Due to COVID and living in XXXX county I was forced to move out of my parents home since I had to continue working and my parents have XXXX XXXX and could not be expose. On XXXX I was exposed to XXXX  by my roommate. I had to quarantine and could not go near my parents home. I did not have access to my mail until recently. I received 1 letter in XXXX that my balance was past due. I called BVVA Compass immediately and asked why I was being charged. They said it was interest accumulated while my balance was being paid off. I paid the unfair interest charged after my pay off balance and the late fees accrued, to avoid getting any more fees. To top it off BVVA Compass reported the so call late payment to the credit bureau and my credit score dropped by 79 points. I called BVVA Compass for help. I asked why I had been charged interest after their online account statement clearly stated my pay off balance was {$810.00}. I tried to explain how I had never missed a payment, I was willing to set up for auto-payments, and explained my situation due to XXXX. The customer service was insensitive and stated they could not help me. It is not right for BVVA Compass to have charge interest while my payment was processing for the full account pay off balance. And for a company of this size to be inconsiderate of the global pandemic and the circumstances some of us have to face.
Product: Credit card

They have ruined my credit, I have asked them for statements, proof I opened this account and they have failed to provide this to me for2 years.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX, CA XXXX THE FIX PROJECT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries in Dispute XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to get Bank of America to modify my home loan for several years. I have been stuck in a black hole in their loss mitigation department as I try to get some help to get caught up on my loan and save my house. They transfer my case from department to department and give me the runaround when I call in to get an update. They have not completed a review of my current and correct financial information and have denied me access to government, state and internal programs that should be made available to a homeowner in my situation. Bank of America has also failed to offer access to mediation through the state of Nevada to resolve this matter. They are required to do so but have ignored this rule and have repeatedly engaged in dual tracking and have set multiple sale dates. We have been backed into a corner and reluctantly agreed to short sale our property because we were led to believe there was no path forward. We do not want to sell our home, we want to fight to keep it and want B of A to follow the rules and give us a fair chance at a negotiation. Even though we are far underwater we do not want to lose our home. 

We bought our house in XX/XX/XXXX and refinanced with Quicken Loans in XX/XX/XXXX so we could lower our interest rate. We were responsible and had no problem making our payments until the recession hit. I was told by the city of XXXX XXXX XXXX that due to the recession I needed to take an early retirement, otherwise I was at risk of being laid off. I did not see a path forward so I did this, thinking I would easily find another job. I was mistaken and eventually had to permanently retire at age XXXX. Around the same time my son was XXXX from the military and unfortunately came home XXXX. We had to care for him and were overwhelmed with expenses. We tried to get help from the B of A loss mitigation department but could make no progress. We then hired an Attorney to assist us and were advised that we needed to go late on the mortgage in order to get B of A to take our request for help seriously. So we stopped making payments and the Attorney tried to get us approved for help but was not able to get this done and eventually disappeared. We then began trying to work things out with their agents on our own. The problem is that we always get the runaround and get transferred from department to department with no single point of contact, and no completed review of our current and correct financial information. At one point while in the middle of review B of A attempted to sell our home, an obvious example of dual tracking and against the rules and laws of the state of Nevada. The whole thing has now snowballed and our delinquency has grown and grown. Our loan balance is not that large and based on our fixed income and the pension I am certain that we qualify for government and internal modification programs that would benefit us. My issue is that their agents have not given us the opportunity to be reviewed and have pushed us into a short sale that we do n't want to do.