23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was never informed that I have a mortgage and a car payment in my name when it would have been absolutely impossible for me to obtained either of those things considering my situation. However, when I attempted to log into my Credit Karma account those very things are the reason that I can not access my credit through their company. I informed them of this and made reference to how my statement/ defense of my credit could be verified and I have run into a brick wall. That person with those things acquired in my name has ownership of my life and my rights to the extremity that I have no access to something as basic and simple as my own credit information. There 's nothing I can do and nothing that is going to be done to help me. I am trapped.
Product: Credit card

In XX/XX/XXXX, my ex-wife filed for a divorce. That has created many financial hardships. I have either made good or made payment arrangements with every debt that I owe, including two other credit card companies. On XX/XX/XXXX, my balance was {$11000.00} I was presented with a payment relief option to handle my past due American Express account. This option stopped late fees and dropped the interest to the point that after making XXXX payments of {$71.00} my balance would be paid in full. I set up auto payments set for every Wednesday in the amount of {$71.00} for the next XXXX weeks. I have the email from American Express with the payments scheduled out over the next XXXX weeks. Between XX/XX/XXXX and XX/XX/XXXX there were a total of six payments made. On XX/XX/XXXX I checked my statement and discovered that between XX/XX/XXXX, when I signed up for the payment relief and XX/XX/XXXX my six payments totaled {$420.00}, but during the same time period I had been charged two late fees for {$40.00} each and interest charges of {$560.00} totaling {$640.00} so on the six payments, instead of balance going down it actually went up by {$210.00}. I reached out to American Express on XX/XX/XXXX and XX/XX/XXXX because I figured there must have been a mistake. After talking to various people, it became obvious that American Express was not going to honor the terms of our agreement. They kept saying I had not signed up for a payment plan. I tried to explain I had an email titled " Payment plan confirmation notice '' and included language like : " Once your balance is paid in full, any remaining scheduled payments will be cancelled. Other than communication regarding your payment plan, no further attempts will be made to collect the remaining balance while you are making payments in accordance with the terms listed above. '' I explained multiple times I wanted to make good on my debts but I wanted them to honor our agreement and they continued to tell me that we had no agreement. At that time I canceled making any future payments.
Product: Credit card

Hello, I am a CapitalOne credit card customer. 

My payment was due yesterday on XXXX XXXX, however the website was down throughout the day. ( Screenshot attached below ). I made multiple attempts to login and kept getting the error message. When my work day concluded, I downloaded the app, and promptly made my payment. It was before XXXX in Colorado, so my payment was made on XXXX XXXX, 2023. However, a {$40.00} late fee was already assessed. I called CapitalOne and explained that I wasn't able to make the payment online b/c of the website glitch and that I wasn't able to make a phone call, and asked that they reverse the fee given that the delayed payment was due to errors with the website. I escalated it to a manager. They told me they would not reverse the fee.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Late Payments Under 15 U.S.C. 1666b & FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate late payment reporting on my credit report regarding my XXXX XXXX XXXX and XXXX XXXX XXXX credit accounts. These late payments have been incorrectly reported and are negatively impacting my credit score. Under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request the immediate investigation and removal of these erroneous late marks. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Legal Basis for My Dispute : 1. 15 U.S.C. 1666b ( Timing of Payments ) This law ensures that payments are credited as of the date they are received. If my payments were received on time but reported late, this constitutes a violation of my consumer rights.

2. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) The credit bureaus must investigate my dispute and correct any inaccurate information within 30 days of this request.

3. 15 U.S.C. 1681e ( b ) ( Accuracy of Credit Reports ) Credit bureaus are required to ensure the maximum possible accuracy of consumer reports. Reporting late payments inaccurately violates this statute.

4. 15 U.S.C. 1681s-2 ( Duties of Information Furnishers ) The furnishers of this information ( XXXX XXXX  XXXX  and XXXX XXXX XXXX ) are required to report only accurate data. If they can not verify these late payments as accurate, they must delete them immediately from my credit report.

Requested Resolution : Conduct a full investigation into the disputed late payments.

Remove all inaccurate, unverifiable, or outdated late payment records from my credit report.

Provide a corrected copy of my credit report after the deletions are made.

Notify all creditors who received my inaccurate report of these corrections per 15 U.S.C. 1681i ( d ).

These erroneous late payments have caused a significant drop in my credit score, which has unfairly impacted my financial standing. I expect full compliance with all FCRA-mandated timeframes and legal obligations. If these inaccuracies are not corrected, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary.

Please respond in writing within 30 days with the results of your investigation, as required by law. 

Sincerely, XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15USC -1681 section 602 states I have the right to privacy.

15USC -1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC-1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen in XXXX of XXXX. My insurance company settled the loan amount with Nissan Motor Acceptance/Infinity Finance and paid off my vehicle. Paid in full. 
A year later I received a bill from a collection agency stating that I owed over {$500.00}. I called them and inquired about the balance. I explained to them that my car was stolen a year ago and XXXX paid the debt in full. They stated to contact my insurance agency on perhaps an error. XXXX sent me proven documentation that it was paid in full. In XXXX I refinanced my house and the same debt still appeared on my credit report. I had to just pay the debt so I could move on. Three years later it still shows the same amount of debt even after paying it. I have written many letters to Nissan Motor Acceptance. I hired a credit repair to assist and they have written letters, I have made phone calls and even written all three credit bureaus. There response today is that they have NO record. However, they are still reporting a charge off on my credit report. This is very unfair as I have NEVER been late with any car payments. My insurance satisfied this debt. I still paid it to move on hoping it would fix my credit. Even though I did not owe this debt. Today they are still reporting something a balance they have no proof of.
Product: Credit card

I applied for a Macy 's credit card & used it that same day towards the end of XXXX to purchase my daughters homecoming shoes. I ONLY used it that day because the card never came in the mail. I call & complained that it never showed up. The person I talked to said there are charges of $ XXXX and XXXX other charges of $ XXXX. I explained I never made those purchases & the only purchase I made was the same day the card was opened. She claimed she updated my address ( not sure why it was different from what I typed in their machine at the store to apply for the card ) She then said they'd send a replacement card. I did get a card in the mail. & assumed everything was fixed. I went to use my card today ( XX/XX/16 ) & it was declined. I called & was told my total charges are $ XXXX when I never made ANY of these purchases! There was additional $ XXXX added onto my credit card account! They're telling me it'll take XXXX more months to get this fixed & I've had issues since XXXX!
Product: Debt collection

The debt collector is not providing the customer with the proof that was used to open up the account, This account was opened fraudulently. With different phone number and email address. 
I have had no access to the accounts and this isn't my responsibility to pay for anything.
Product: Money transfer, virtual currency, or money service

I've tried to get my Money back at several Money Gram locations here in XXXX, TN, but unsuccessful. My Money Gram references are # XXXX and XXXX for a Total of {$690.00}. The locations were Walmart ( two different locations ) and XXXX XXXX ( Orig. location ). This process has been going on since XX/XX/2019. I was trying to send Money to a girl that I know in another country, but trans. was cancelled for some unknown reason on there in ( Money Gram ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XX/XX/2022 this company made an inquiry on my Transunion credit report without authorization, I contacted them by phone with no avail, I contacted them in writing it has gon unanswered.
Product: Checking or savings account

Someone hack some of my accounts including my bank account, using companies like XXXX and XXXX the make unauthorized orders and withdraw money from my bank. 
this issue stared on XXXX XX/XX/23. 
XXXX four transsaccions for XXXX One for XXXX XXXX XX/XX/23 TX XXXX on for XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/23 TX XXXX XXXX XXXX XXXX, XXXX also my XXXX  account two items for XXXX
Product: Credit reporting or other personal consumer reports

Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed information to TransUnion twice regarding debt that is really made up and illegal. They are following laws put in place to protect the consumer rights. And its not fair.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB make action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : - XXXX XXXX XXXX partial acct # XXXX .... 
- Management Support partial acct # XXXX XXXX XXXX XXXX XXXX XXXX partial acct # XXXX and XXXX... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX 
- XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 



Thank you.
Product: Credit reporting or other personal consumer reports

Since XXXX someone has been using my personal information for fraud I dont have the details but I have a victim identification number and pin from The Department of Victims
Product: Debt collection

I received an email notice regarding change in my credit score. In reviewing, I saw that a business called Receivables Performance reported on XX/XX/2020 of a Derogatory Account in the amount of {$1600.00}. 

I have no idea who this collection agency, Receivables Performance, is or what the debt is in regards to. However, their dirty deeds and fraudulent acts is causing my credit to drop. 

I have not been given proof that Receivables Performance is authorized to contact the credit bureaus or collect anything from me.

Concerned, XXXX XXXX
Product: Payday loan

XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.
Product: Mortgage

my mortgage was transferred from Greentree to ditech for servicing. my escrow account is no longer being properly handled. I am receiving bills for taxes and insurance eventhough monies are being held by ditech to remit the monies. explain to me why is this company is allowed to continue servicing accounts despite the hundreds of online complaints posted and the XXXX complaints filed regarding the mishandling of people 's mortgage accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

opened up a secured line of credit / loan with the bank and the product reported as a revolving line of credit such as a credit card and I took a 95 pt loss on my score. this was being apart of the wealth management division of usbank.It has taken me longer than 1.5 years to get my score back up that high due to how its reported as an evergreen product.
Product: Debt collection

I live in California which puts a cap on the amount of interest a debt collector can charge in interest by debt collectors. This is in regards to an old XXXX XXXX XXXX bill. Which shows as the amount owed to the original company as {$150.00} and now with the collections agency it 's more than tripled which even at the highest interest rates is impossible were I living in XXXX of the XXXX states without a legal interest cap debt collectors can charge by law, but luckily I live in California. I would like to take care of this so that it 's off my credit report but the company states I now owe {$500.00} rather than the {$150.00}. Please investigate this, I was told that this collections agency previously had its authority revoked for similar issues experienced by multiple consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE STUDENT LOAN ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT AND WAS CREATED IN ERROR OR WITH THE INCORRECT INFORMATION. I HAVE NEVER ATTENDED XXXX  XXXX NOR HAVE I ATTENDED A UNIVERSITY. THIS INFORMATION AND ACCOUNT IS INACCURATE, ONCE THE CREDIT BUREAUS OBTAIN THIS DEMAND OF REMOVAL TAKE ACTION IMMEDIATELY TO DELETE THIS ACCOUNT. 
Private Student Loans Company or Organization : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$6000.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was scammed out of {$1000.00} through two separate {$500.00} payments where someone was fraudulently posing as two representatives of XXXX requesting verification to proceed with the transaction. Believing the two payments were XXXX representatives I sent the two {$500.00} payments, totaling {$1000.00} through XXXX on Wells Fargo 's bank transfer platform. Within minutes of making the two transfers through XXXX, while the payment was still processing, I reached out to Wells Fargo 's claims department notifying them of the fraudulent payment and to cancel the transaction. Wells Fargo denied both {$500.00} payments as being fraudulent and was unable to prevent the transaction despite being notified before either payment had finished processing. There were zero safeguards implemented by either XXXX or Wells Fargo even when they were notified immediately of fraud and to prevent the transfer. I filed a claim originally over the phone with a Wells Fargo representative and was later notified of the denied claims status, however, when I went to review my previous claim, it was not listed on my account.
Product: Payday loan, title loan, or personal loan

My title company sent a check to payoff my installment loan early on XX/XX/XXXX. Thought this was all taken care of until I was looking at my credit report online on XX/XX/XXXX and the report stated that I still owned {$170.00}. 
I tried to get online to look at my account but I had been locked out and so I called and talked to a account representative, and an account manager who told me I could not get back on my account and I could not get a statement, I was just to pay the amount demanded. When I asked what was the number to their legal department they said they could not hear me any more and disconnected the phone. 
I do remember going online at the end of XX/XX/XXXX and seeing something about my account being {$60.00} or {$70.00} left on it and I paid it. I should have a XXXX balance but I ca n't get a statement. The payoff amount they gave to my title company and they sent the check.
Product: Mortgage

Ditech mortgage has been charging me escrow since XX/XX/XXXX. my taxes were always paid by me. They have overpaid the City of XXXX XXXX taxes 2x and are not correcting the problem. This all stemmed from a XXXX charge from DiTech on XX/XX/XXXX, I called to make sure it was it was cleared up because they said I did n't pay my taxes in which I did. I sent them proof. XX/XX/XXXX I paid my taxes and Ditech paid too. I specifically stated that I pay my own taxes and insurance from the beginning.I sent a letter showing a credit XX/XX/XXXX in the real estate tax office of XXXX. I told them not to pay the City of XXXX XXXX because they were paid. They paid anyway and charged me. I also have always paid an extra {$1000.00} extra principal. I can not get this straightened out as they keep overpaying my real estate taxes and refuse to send me a copy of a letter they sauy sent to City of XXXX XXXX for a refund. 
This is the worst mortgage company I have ever dealt with in 20 years. 
Please help. As of today they are charging me for escrow and the city has a XXXX credit of real estate taxes in my account.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX/Wells Fargo is very misleading and has been giving me the run around about a payoff amount. I'm being charged extremely high interest and always promised to receive a payoff amount in ten days. This had been going on for the last year with no resolve. I am past frustrated and it seems that I can't get any help! They sent my info to the wrong residence and also added another wrong email to my account ( compromising my info ) which I NEVER gave them. I now have a derogatory mark on my credit report and I have always paid on time, NEVER LATE!! I need assistance, PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( Axcess Financial ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I review the Complaint. XXXX. I apologize that the Last for digit of s.s. is XXXX not XXXX, or XXXX. Please corrected. Thank you
Product: Credit reporting or other personal consumer reports

I've submitted my Federal Trade Commission Report ( Identity Theft Affidavit ) clearly stating fraudulent accounts, which indicates a crime was committed. Although, XXXX and XXXX took initiative action to resolved the matter, TransUnion failed to follow laws governing FCRA laws and laws for victims of criminal behavior in credit reporting. Thank you.
Product: Credit card

I called BBVA Compass Credit Card services to pay my credit card to XXXX and close my account. They informed me that they do not know how much I owe, and they can not calculate the accrued interest for me to pay it off. I was confused and asked how do I pay off my account and close my card, they said you can do that by phone. I said, I am on the phone, what do I need to pay this off? He continued to state he can not calculate the interest for me to pay the card completely to XXXX. So now I have a credit card I can not close nor pay off? Please Please help, I am poor and unemployed and this is scary situation that I have a Credit card that I can not pay off due to a company that gives me the run around.