23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX I attempted to pay the loan off which at the time balance was estimated around 13,000 this lender only accepts payments less than 1,500 at a time I made multiple payments to total XXXX to pay the loan off. They rejected all but 1 payment and returned them without any notification to myself and any valid reason. I under the assumption the loan was paid off called in XXXX to verify only to find out that it was not paid off. I then requested another payoff amount which XX/XX/XXXX I paid again. I called to verify the payments were applied this time and was advised that they now had to refund the extended warranty plan and that would take 2 weeks to be applied of which they would continue to apply daily interest affecting my total payoff. This company gives you a pay off amount valid for that day only when they don't even allow you to pay it off by continuing to apply interest until they get around to applying a rebate.
Product: Debt collection

Suddenly on around XX/XX/year> I guess I began getting very vague emails saying I had a payment due soon and never giving more info like when or how much or even debt total. I am XXXX XXXX positive I have never gotten this card plus it had my old address on it months after I moved never have they stated any actual facts about the debt just generic info also they call the card XXXX different names in communication with me. This is fraud I want it off my report immediately and I want to be paid my XXXX per false statement XXXX owed by the law at least XXXX for the wrong/false info.
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXX I noticed several fraudulent charges on my Capital One Credit Card. I was traveling and had my card set to auto pay through my bank account. I notified the company by telephone that I did not recognize the charges. They read back a few charges which were legitimate. They resolved those charges and sent me a new card. When preparing my expenses for work in XXXX, I noticed a charge from XX/XX/XXXX for XXXX XXXX ( an airline from XXXX XXXX ) in the amount of {$1100.00} There is a phone number associated with the purchase. XXXX. That number rings busy and is ( according to web search XXXX ) a fraudulent phone number that is associated with fraudulent purchases with this company. I reported it immediately and notified Capital One that the card had already been switched due to the fraud that had been reported earlier and that this charge was missed. I opened a dispute and they promptly closed the dispute stating that their hands were tied due to the length of time that had passed. I have been a customer of theirs for 20 years and do not have a history of purchasing items or travel to XXXX XXXX. I do not feel I should be responsible for this fraud since it is documented that.I am not the only victim of this same fraud. I also find it reprehensible that Capital One would authorize a charge of {$1100.00} to XXXX XXXX without some sort of fraud warning trigger in their system- especially when I have a suspicious activity notification requested on. my account ( see attached ). According to the Fair Credit Billing Act as well as the Capital One website, my liability for this should be limited to no more than {$50.00} as long as fraud is reported within 60 days which it was initially. This was an additional charge in that timeframe that was missed. I believe Capital One should have some liability for not flagging a suspicious charge which I relied on them to do. However Capital One is refusing to remove or even reduce the amount of this charge. I found a phone number for XXXX XXXX Customer Service and spoke with an agent last evening who is aware of the fraudulent charges associated with this number. He provided me with instructions via email to submit a claim to XXXX directly to try and get the money refunded. ( Attached ) I called Capital One again and spoke with XXXX different representatives, the last one being XXXX in the XXXX Department who would only say that Visa would not allow them to pursue this fraud claim due to the timeframe that had elapsed. At this point I feel that XXXX has done more to assist me with this than Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I never received any of the requested documents I requested previously, yet Equifax continue to report these violation accounts on my credit report. 

I recently requested the validity of Collection Bureau accounts thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX immediately deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate. I did not provide a signed contract nor signed HIPPA release giving Collection Bureau permission to discuss my medical with anyone. In accordance with the Fair Credit Reporting act Collection Bureau has also violated my rights 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 an account without my written instructions. It is my understanding that Collection Bureau reports the same information to all credit bureaus as expected under FCRA, if this is true for about the 6th time I am requesting the information below and ALL the information that was provided to Equifax These are the accounts reporting on my report XXXX XXXX - {$37.00} - XXXX XXXX XXXX - {$39.00} XXXXXXXX XXXX XXXX - {$50.00} - XXXXXXXX XXXX XXXX - {$71.00} - XXXXXXXX XXXX XXXX - {$130.00} - XXXXXXXX XXXX XXXX - {$170.00} - XXXX 1. Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2. Provide a 1099c for each account since this account was originally charged off, 3. Provide the original signed contract with Collection Bureau for each account, 4. Provide HIPPA documents with my original signature for each account, 5. Provide collections license number, 6. Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida for each account, 7. Provide information referencing this account was either purchased or collecting on the original account holders behalf. 

XXXX and XXXX has deleted these accounts. Why does Equifax insist on reporting these accounts on my report?
Product: Credit card

XXXX XXXX XXXX XXXX of Capital One XXXXXX/XX/XXXX XXXX, VA XXXX RE : See Attached XXXX XXXX XXXX, I am writing to dispute a charge of {$75.00} to my credit card account on XXXX, XXXX. The charge is in error. I call Capital One every year for the last three years to dispute this charge. My daughter XXXX used to have an account with XXXX to use XXXX XXXX. She cancelled that account several years ago when she graduated college. But each year XXXX charged her credit card with Capitol One, in XXXX. Last year I call Capital One and complained about the charge, they advised to cancel her credit card and they would send a new one with a new number. We did that. This year XXXX charged her card again for {$75.00}. I call Capital One and disputed it again, they reversed the charge and they put it back onto my account again on XXXX. Capital one sent me paperwork showing XXXX charging my account again with a card ending in XXXX. The new card my daughter received last year ends in XXXX. I called Capital one and asked how they could make a charge on my account with a card that was inactive since XX/XX/XXXX. They said they can not do anything about it that XXXX is entitled to their money and they can charge the new card. I explained to them that Capital one advised me to cancel my daughters card and get a new one so this doesnt happen again. They refused to help me. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. This is obviously fraud on your end. 
Enclosed are copies payment records, and transactions supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I visited the XXXX branch at XXXX XXXX XXXX XXXX in XXXX, XXXX on XX/XX/year> to deposit a XXXX withdrawal check. I brought all the supporting documentation and offered to login to the provider app to show the transaction request. The branch XXXX first tried to refuse depositing my check claiming it was " likely fraudulent '' even though I had all the documentation proving it wasn't. After an hour in XXXX XXXX XXXX XXXX with my check, my license, and my debit card being held XXXX inside the bank, they finally agreed to deposit my check. The system automatically placed half the check on a large deposit hold. The branch decided to place the full check on hold. Instead of calculating the difference, they placed the full value on hold. In addition to the initial system generated hold, the bank placed 150 % of the value of my check on hold causing my account to go negative {$3000.00}. I returned to the bank XXXX min later, after seeing the error in my account. The bank corrected the issue at that time. About XXXX hours later my paycheck direct deposit came through and I received a notice that my account was overdrawn again. At some point after leaving the bank, they reissued the 150 % hold on my check. At this point I not only can not access my deposited check, but I also can not access my paycheck. Which means I won't be able to pay my mortgage, pay my daycare, buy food for my kids, and I definitely won't be able to have XXXX for my kids. All because this branch decided of their own choice to place a legitimate check on hold that came from a well known XXXX provider and well known employer, with XXXX yrs of direct deposit history from that same employer inside the account history in question.
Product: Debt collection

On XX/XX/2021 at XXXX. XXXX XXXX called and was immediately aggressive when I asked him what the call was about. Continued to talk over me and when I asked him to send a debt validation to prove it was my debt he said that it was sent XX/XX/2021. However, the debt validation that I received was not from him or his company. Because this is a new company I am entitled to a new validation because I am not familiar with them or the debt collector. I hung up after he tried to tell me " You got ta pay this debt or else.. ''. After, I called back in which he picked up to confirm company information, I wanted an address and the address that they accept mail to then patronized me by saying " Smarter people looked it up on XXXX '' then said that I was a " college dropout. '' This is behavior that is unacceptable especially when I didn't give him a reason to respond the way that he did. I also asked him to send the validation to the address that is on file and he was mad I didn't want to give personal information on the phone. Also, I never verified my social security number ( last four ) and he still proceeded to tell the alleged business of mine to an unverified ear.
Product: Mortgage

For the month of XX/XX/2023, I paid electronically thru my bank account the mortgage loan.payment due for XX/XX/2023 they collected the payment on XXXX third and the money was deducted from my bank account on XXXX third. Select Portfolio services contacted me on or about XX/XX/XXXX. by regular mail telling me they are attaching late charges to my accdount and that they are missing payment for the month of XXXX XXXX sent them proof of payment in the form of my bank statement where it shows the transaction number and information the payment received and collected by select portfolio Services. 
I have sent Select portfolio Services all they proof they need that shows the payment collected on XX/XX/XXXX. Theyn still telling me that I have not paid, and they are harassing me with phone call telling me that they will report me late to the credit bureaus and to send them another payment which i think is an abusing behavior by part of this institution. 
they do acknowledge receiving my bank information. but hey said that it will take.more tahn 30 days for the bank to complete the investigation in the meantime they are demanding i send them another payment which is not right in my view
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with Bank of america account no XXXX the monthly payment is automatically deducted on the XXXX of each month of {$3800.00} which includes Principal, interest and escrow. 

On XX/XX/2020 I made an extra payment of {$10000.00} towards principal. ( See attached file ) On XX/XX/2020 I made an additional payment of {$5000.00} towards principal in addition to the monthly payment of {$3800.00}. ( Total payment was {$8800.00} ) ( See attached file ) However, bank of america assigned the {$10000.00} towards escrow. They show that I made principal payment of {$12000.00} during XXXX ( See attached file ) whereas I had made much more than that. 

I called them three times. I waited 2 hours each time to talk to a representative but nothing was done. I then wrote a letter of errors and sent it by certified return receipt and finally an agent called me back. But they have not given my money towards principal still. It has been more than 4 weeks since my first payment of {$10000.00} and they continue to defraud me of my hard earned money by applying it to escrow rather than principal reduction. 

I would like you to intervene and press upon Bank of America to stop defrauding people hard earned money that they want to use for payment of principal and stop keeping money that is not theirs to themselves. 


Thanks XXXX XXXX
Product: Mortgage

I have become XXXX XXXX. I no longer can pay my mortgage XXXX Penny Mac. 
I have tried two ( 2 ) times to modify and did n't qualify. Penny Mac sent me a letter with foreclosure alternatives on XXXX XXXX. I have tried to call the person in contact to because the letter says to get back with Penny Mac so we can start the process.information of short sale & deed in lieu. I have had so many different names in all the letters. I received 3 wks ago about me wanting to start the process and hopefully it 's not in foreclosure. Received another letter 2 days ago that says the same thing. That it 's in review. I called last week & the lady said it 's in the courts on foreclosure. That is almost 60 days since I have wanted to short sale. My only income is my XXXX check. ( early retirement because I do n't receive any XXXX benefits ). They had me calling a Texas office and the other person would transfer me to voice mails to leave msgs and no one would call me back. XXXX XXXX different names. Now it is XXXX XXXX. I had to call the supervisor to get her to call me. The XXXX & only time was 3 wks ago. She said someone would call to appraise my home & look inside. I received the same letter this past Friday saying the same. I had asked her before if I should get my documents in orders to mail and she said no. To wait for the appraiser. I was told by several people this weekend that said they were told the same from Penny Mac that the home was in review for Short Sale when it actually was in the courts for foreclosure. I have tried everything to keep my home. Single mom with XXXX daughters that I put through college. My life has dramatically changed. I pray that it is not in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to XXXX, Experian, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XXXX XXXX, 2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the error category. 
( 4 ) the creditors failure to accurately reflect a payment made by the obligation or credit issued to the obliged on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
15 U.S. code 1681a ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding listed accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report and update my accounts to paid as agreed. The FCRA allows 30 days for these errors to be rectified. 

With Equifax, XXXX, and XXXX account : XXXX XXXX account number : XXXX Has reported XXXX late payment dates XX/XX/XXXX and XX/XX/XXXX I have never been late on this account or any accounts Account XXXX ( account # : XXXX ) is being reported on XXXX, Equifax, and XXXX as late on date XX/XX/XXXX. I have never been late on this account or any accounts on my report XXXX XXXX XXXX ( account # : XXXX ) is being reported on XXXX, Equifax, and XXXX as late on dates XX/XX/XXXX and XX/XX/XXXX. It is also reported on my XXXX late also on XX/XX/XXXX, XX/XX/XXXX, and from XX/XX/XXXX through XX/XX/XXXX as late. I have never been late on my mortgage account or any account on my credit report. 

Account XXXX XXXX  XXXX ( account # : XXXX ) is being reported on My XXXX, Equifax, and XXXX as late on date XX/XX/XXXX ). I was never late on this account or any accounts. 

In XX/XX/XXXX. I mailed Equifax, XXXX, and XXXX to please either show proof of late payments or please update my credit as never late. I have yet to receive a response from them or any update in n my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXX XXXX  XXXX Nc XXXX. There's no other spelling in my name besides the one above.
Product: Credit reporting or other personal consumer reports

I recently disputed an account from XXXX XXXX XXXX that is showing on my Experian credit report. Experian stated that the account from XXXX XXXX XXXX " has not been changed and will remain on your credit report ''. However, Experian failed to produce the following : 1. PROOF OF VERIFICATION 2. METHOD OF VERIFICATION XXXX. MOST IMPORTANTLY, PROOF THAT XXXX  XXXX XXXX CAN EVEN LEGALLY COLLECT ON THE ACCOUNT. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian asserting that Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. I am personally being affected by the very reason that Experian is being sued. This failure is causing inaccurate or unverifiable accounts to be unresolved yet remain on my report. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete the XXXX XXXX XXXX account from my credit report.
Product: Checking or savings account

XX/XX/XXXX Credit Karma money froze my account. I have over {$700.00} in that account. I cant access my money. Ive emailed, chatted, and called-to no avail. Only to be told it will be 7-10 days. It has well exceeded that time frame. No one will transfer me to the higher dept investigating my account. I had to change my payroll deposit.
Product: Checking or savings account

in XXXX Wells Fargo XXXX XXXX offered me a XXXX XXXX devise to log into my checking account where I had XXXX for months without any withdrawal. I could only access with that device. Somehow around XX/XX/XXXX ( have not exact info as Wells Fargo would not send me info ) someone not authorized by me created direct pay ( I never got the alert ), changed my mailing address and phone # to Florida address and starting XXXX started to withdraw $ XXXX daily direct pay in $ XXXX increments to payee with Strange names. All this time no alert, no bank contacted me. Strange enough on XX/XX/XXXX I logged into my account on line via secure devise and printed statement, not knowing that someone is taking money while I am int here with my secure devise. This came to my attention on XX/XX/XXXX, Saturday. I called to report the fraud, they blocked my on line access and advised me to go to branch on Monday XXXX to re open another account. I did. While I am in branch opening another account it is still not allowing me an access without a device. They opened another account and told me that the investigation will take XXXX business days. I got a mailed affidavit to be completed and sent back, I sent that in on the XXXX, but a day later I got a mail dated XXXX advising me that the investigation is closed and I was responsible for those missing funds. UP to this date no contact. No concerns. They closed the claim without reviewing my affidavit.. This is internal XXXX every time I bring that up with Wells Fargo they hang up on me. The claim # is XXXX. This is internal theft.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute inaccurate information on my credit report as provided under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, which ensures compliance and accountability for inaccurate or incomplete reporting. 

I request that the inaccuracies be investigated promptly and corrected, and that an updated copy of my credit report be sent to me. Additionally, please notify anyone who has received my credit report in the last six months of these changes, as required by law. 

For your review, I have attached the following documents : Supporting evidence ( e.g., payment records, correspondence with creditors, or any relevant documentation ). 

A copy of my government-issued identification. 

A utility bill or other document confirming my address. 


Please note that failure to investigate and correct these errors may result in legal action for negligent noncompliance, as provided under XXXX XXXX. XXXX. 

I look forward to your prompt response. Please contact me in writing at the address above if you require any additional information.