23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I charged {$950.00} XXXX XXXX XXXX  in XXXX on my CareCredit Mastercard. Financing on this amount was 0 % for 18 mos. CareCredit failed to apply the correct financing and in their attempt to correct this they have somehow charged me twice for this purchase.I have called numerous times and sent them faxes with the correct information on several different occasions. I have been trying since XXXX to get this straightened out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud happen someone maxed my card out called for help I sent a email I called I made a complaint no reply when I first got the card I asked for a more than I was giving because of my business but I was told I wasnt able to get it because I dont know why they made me feel it was because I put XXXX American on the form also at the time my credit score was XXXX and they still want to help me and I never signed anything for them to share/sell my information
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : ACCOUNT : 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g CODES STUDENT LOANS 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to Equifax, XXXX and XXXX and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit card or prepaid card

I made reservation online to stay for the period of 4 nights at XXXX XXXX XXXX XXXX in XXXX, XXXX. Upon arrival at the hotel, I made the payment with Capital One credit card for the booked reservation. After spending a sleepless night at the hotel I had to check out early next morning due to the unbearable conditions at the hotel : No hot water, loud noise coming from street, music, holes in the windows and balcony doors of my room. At the time of checkout I requested the front desk clerk to refund money, and they provided me the receipt in Spanish with total amount. After coming home from my trip, I found out that the hotel still charged my credit card for the full amount of the reservation. I contacted Capital One and disputed the transaction. I explained that I was unable to stay at the hotel due to the fact that hotel could not provide the basic necessities for my stay : hot water, ability to sleep at night. After two months of dispute resolution process Capital One refused to refund my money. When I asked the bank representative why or what they based their decision on, they answered that I did not provide sufficient evidence to support my claim. I wrote two letters to explain what happened and to respond to the letters from XXXX XXXX XXXX representative. 
I submitted other documents to the bank, receipts, etc. I am not proficient in Spanish. The hotel XXXX XXXX failed to provide a room with minimum required facilities for enjoyable stay : not hot water, no ability to sleep. Nevertheless, they unjustly enriched themselves by charging me for the services they did not provide, and Capital One refused to refund my money. 
I can provide all the documents and correspondence with Capital One to help you resolve this issue. Please, I need your help to help resolve this problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor OCWEN LOAN SERVICING, LLC is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX was taken out on XX/XX/year> for total of {$1900.00} through Acima Leasing. I paid {$1600.00}. Asked for payoff and they have uped our balance and now say I owe them {$2700.00} after making payments of {$1600.00}. I have called numerous times to be hung up on or transferred to no one. I got through XXXX time and was supposed to do payoff and call dropped. This should be illegal. I am on XXXX and can't pay this anymore. Please help.
Product: Mortgage

Without my consent- my investor XXXX XXXX via Wells Fargo-enrolled me in a trial mortgage modification -adjusting the amount of funds applied to my mortgage. Instead of XXXX a month they changed my payment to XXXX  a month without my consent. I have no idea why they did this and what happened to my credit or the funds during the last four months. I pay my mortgage every month on time /I have no issue I did not need any assistance/ I did not ask for anything : and unsolicited and without my consent they did this. I never contacted them to request anything.
Product: Checking or savings account

We notified on Friday, XX/XX/22, that there were questionable charges on our debit card. We informed Truist Bank that we suspected fraud using our company debit card. On Friday, XX/XX/22, I disputed with the bank regarding various transactions that took place over three months ( XXXX, XXXX, and XXXX ). When notified, we canceled that debit card and filed the complaint. On Monday, XX/XX/22, I called to follow up on the complaint and was informed that our complaint was denied. I filed a police report on Wednesday, XX/XX/22, then contacted merchants. One of the most significant merchants ( Cash 1 ) I reached out to did a review on their end and confirmed that it was fraudulent activity with my card. They provided me with something in writing, and I supplied that email to the bank, and they are still denying our claim. We have been scammed out of {$17000.00} plus, and we have done extensive leg work to prove that we did not authorize any of the transactions.
Product: Mortgage

I applied for a refinance loan with NewRez on XXXX Loan # XXXX. Late in XXXX when the CD documents came the numbers were wrong. My home appraised for XXXX, the document said XXXX. I was also told that the money I needed for closing would be {$250.00}, that document had {$780.00} needed at closing. I had also paid 3 more payment on my loan since I started the process, and it was not prorated on the CD documents. I called, and I emailed for weeks trying to get someone to explain why these numbers were different. I never got a reply back from any one. Just recently a new loan processor emailed me saying I was approved for the loan. The rate lock was due to end on the XXXX. It's seems like I've been scammed. All this time with no one wanting to return my calls or answer an email now as the rate is due to end they call. Called again today to ask why I was treated this way. Still no answer at this point, never did find out the answer to the wrong numbers on the CD documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 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 XXXXXXXX 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Attn: CEOXXXX XXXX  XXXXXXXX, GA XXXXXXXX Attn: CEOXXXX XXXXXXXX, NE XXXXXXXXCFPB Attn:CEOI have requested that this infomration be corrected multiple times with no corrections done. Only misreporting. Please see screenshot. This  XXXX car was sold to the dealer in XXXX of XXXX and was paid off in full. There should be no lates for XXXX, XXXX, XXXX, XXXX and XXXX. Please remove the erroneous lates. The monthly payment was not $XXXX per month.XXXX and XXXX has this information correctly noted. Please provide me with the proof you have that says otherwise. Please explain how this could happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Account # XXXX - XXXX XXXX XXXX and Account # XXXX XXXX XXXXXXXX BANK , has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 604 States I have the right to privacy.

15 USC 1681 604 A section 2 : 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 credit card under an open nd consumer credit plan as late for purpose
Product: Mortgage

i made a tax payment by mistake in XXXX of last year after receiving the letter saying last years taxes were due. my mortgage payment reflected the increase and i realised i made the payment in error. i asked the servicer ( revolution mortgage ) to show me the difference and the rep showed me a couple months adjustments and assure me everything was fine. forward to this year i called the treasurers office to see if everything was accurate and they told me there was a double payment made and it was in an account not being applied. I could ask for a refund. i submitted the form as the property owner but it was declined. the reason was my payment posted first and the mortgage servicer payment posted second creating the overage. I was then advised to ask revolution mortgage to submit their form for refund and i did. XXXX  XXXX  is the rep from revolution mortgage that had been handling my account. i sent him screen shots of the letters from the county treasurer about what had already done and that the ball was in there court to submit the form for refund since my mortgage payment already includes escrow adjustments. he said he sent the form in. this is happening over a period of a year and four months from first contact to now. i called the county treasurer again XX/XX/year> and the rep said NO OTHER ENTITY HAD MAILED IN ANY REQUEST TO REFUND OVERPAYMENTS. i will attach all emails i have. i forwarded the email from the county and he not only wasn't helpful, he proved that he lied about sending the form in which is his duty as mortgage servicer.
Product: Student loan

I saw an XXXX University XXXX commercial and made 1 call to inquire. Every since that day I dreaded ever contacting them. They called, emailed, left messages everyday ... numerous times a day. I ended up attending XXXX University XXXX, FL from XXXX til XXXX for an XXXX XXXX in XXXX. Initially, tuition was under XXXX a semester, but every semester it increased until it was just about XXXX per semester. As a result I 'm now XXXX dollars in debt due to a 2 year degree attending XXXX University XXXX. As well all know now my degree that I put blood, sweat, and tears into is not even usable due to XXXX closing and the school being non accredited. I was initially told the school was accredited an that they do job placement after graduation. NONE of that was true! It was a all a hoax to me ... like a bad dream that left me in debt. I feel my loan along with thousands of others should be forgiven, cancelled, completely abolished due to the circulating news of their closing and being sued, no accreditation, lies of future employment placement, and let us not forget their lying to millions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
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
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

I am a holder of an XXXXXXXX XXXX XXXX that is managed by Capital One. Recently, I traveled to XXXX, and to my frustration, my credit card was blocked. Despite multiple attempts to contact customer service, I have been unable to unblock the card, as they continue to request the same document repeatedly without providing any resolution. 

On XX/XX/2023, I received an email ( see Figure-1 ) from Capital One requesting that I upload my federal driver 's license to unblock my credit card. However, the email contained only broken links ( as shown in Figure -2 ), making it difficult to upload the necessary documents. Even when the links worked, I was often directed to a page ( Figure -3 ) with no clear options for uploading documents. Despite several frustrating sessions with customer service representatives from Capital One, they refused to acknowledge that the links were broken, and I was unable to provide them with a screenshot of the broken link page. 

Finally, after several unsuccessful attempts to upload the necessary document, customer service provided me with the option of physically mailing the document to a location in Utah. I sent the document as instructed and hoped that the issue would be resolved soon. However, when I contacted Capital One again, I was informed that the document I provided was blurry. I expressed my displeasure with this response and requested an email address to which I could send the same copy to prove that it was not blurry. However, they refused my request, leaving me feeling increasingly frustrated. 

Unfortunately, when I followed up with the customer service representative a week later, I was informed that the previously mailed physical document was rejected, not due to blurriness, but because it was black and white. However, I can confirm that the document I submitted via mail was a color copy of my driver 's license, and it appears that the document was converted to black and white by the Capital One system. This also proved that there is no clear process in place at Capital One for vetting the documents. 

As of now, my card has been blocked for two months, causing missed payments and significant inconvenience. I have been instructed to mail the document to Capital One again, but I have little confidence that the issue will be resolved, as it appears that they will continue to repeat the same flawed process. I am submitting this complaint to bring this matter to the attention of the relevant parties and to request a prompt resolution to this minor yet persistent problem.