23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I walked into a XXXX XXXX to make a large payment {$2500.00}. Before I went there I called Capital One and they said I could make a large payment at the store. I went to desk and made payment, or so I thought. I then received my statement and it indicated that the payment was not processed correctly by the employee correctly at the store. I immediately called the Capital one and spoke with a supervisor. The first supervisor told me that the account had accrued {$70.00} in interest, I was told that if I made a payment by the next due date then the XXXX dollars would come off, so I did a complete balance transfer. Additional charges were made to card, so I called to make another payment and to see if the XXXX dollars had been removed. I spoke with a second supervisor I was told that there was not XXXX dollars in interest and that the first supervisor had suspended the interest so I would not have to pay interest until a payment was made. I argued that the first supervisor had stated there was 70 dollars but the 2nd supervisor stated there was not interest because it had been suspended, I didn't agree but I paid the balance. In the meantime I had dropped a class from a local college I was told by the school that the money would go back into the Capital one card, so I called today to see if the money had been returned. The automated service said that there was a finance charge of XXXX dollars, so I spoke with a third supervisor he stated that it was interest from the account that had collected and that it was being assessed to my account. When I asked if he could listen to the previous record of my phone calls he said he would not going to do that, I asked multiple times for someone to dispute these charges he said he was the only person I could dispute charges with. Multiple mistakes have been made and it seems the only person paying for them is me, first my payment was not processed properly and intrested accrued. I was then given the wrong information not once but twice by two different supervisors, I was then again assessed interest which I was told had been suspended but had not been. I also find it very convenient that the day I clear the account more money is charged not two days later on an account that should of had a zero balance.
Product: Debt collection

I had a collection account with PayPal/Synchrony Bank. I did not receive any communication and it went unpaid for about a year. I went through my credit report and saw it was listed recently. I contact Synchrony Bank to resolve the debt. They agreed to a settlement on the account for half the amount owed. I asked for a letter confirming payment of the settlement would satisfy the debt. I was first told they did not have a letter for a settlement. I called back and another representative agreed to send me the letter. I then paid the settlement offer and requested either a receipt or a letter showing it was paid after completing the transaction. They then proceeded to tell me first that they don't provide anything showing it is paid. I pushed the issue and they said they can provide one but not until 21 days later because their system does not show it is paid. I inquired why it would not show paid when they took the money from my bank account right away and no one will answer what the issue is. They just keep telling me it is under review. I've asked multiple times to speak to a manager and first was told there was not one. Then was told they would put in a request and it takes 48-72 hours for a call back. Then when I called back because no one called, they said they would put in another request but still can not provide even a receipt showing the money was paid.
Product: Student loan

I have had 2 instances ( XXXX & XXXX XXXX ) where money was sent to Firstmark services to pay off balances at their current times/prices and the money was mismanaged both times ( with admission of mistakes ), resulting in me having to pay extra to get accounts current, extra to pay for the late fees from the initial time of the issue till its resolution, and all while my interest keep accruing and rising. I tried multiple time to refinance to make the payments more manageable but was told my income was too low to refinance my loans.
Product: Debt collection

Got a loan from CashNetUSA for {$600.00} in XX/XX/XXXX and have a outstanding balance of {$720.00}. Since then I have paid almost {$2000.00} in payments due to having some issues over the time of my loan period. I have more payments coming and it will end until XX/XX/XXXX. I have contacted CashNetUSA and have tried to work out a settlement but according to the contract I have signed they don't do settlements or work anything out. It seems like the payments I am making are not making much of a impact and these are the payments I did get worked out with CashNetUSA.
Product: Checking or savings account

XXXX XXXX Purchase of Goods or Services {$130.00} XXXX XXXX XXXX XXXX  Purchase of Goods or Services - {$150.00} XXXX XXXX XXXX XXXX Purchase of Goods or Services XXXX - {$100.00} XXXX XXXX XXXX XXXX # XXXX Purchase of Goods or Service- {$2.00} XXXX XXXX XXXX XXXXXXXX # XXXX Purchase of Goods or Services - {$2.00} XXXX XXXX XXXX XXXX Purchase of Goods or Services XXXX - {$130.00} XX/XX/2023 XXXX Purchase of Goods or Services {$120.00} XXXX XXXXXXXX XXXX Purchase of Goods or Services - {$130.00} XXXX XXXX XXXX Purchase of Goods or Services - {$130.00} XXXX XXXX XXXX  Purchase of Goods or Services XXXX - {$10.00} XXXX XXXX XXXXXXXX XXXX Purchase of Goods or Services - {$160.00} These are fraudulent transactions which XXXX XXXX denied from my dispute although Ive contacted police.
Product: Debt collection

I was sent a letter from Dynamic recovery solutions dated XXXX XXXX 2015 for a debt I never made. current owner is XXXX XXXX XXXX and the, original creditor is XXXX the debt is for {$1400.00} the letter states they will settle for {$370.00} before XXXX, {$440.00} in XXXXpayments or {$510.00} in XXXX payments I am not going to respond to this letter because I do-not owe this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate information to all XXXX credit reporting agencies. Company is still increasing the amount and saying that there are late payments when the account has been " in collections ''. If an account is in collections that means that alleged debt is no longer owed to the Original company, that company has been paid.
Product: Debt collection

Fifth Third admitted to selling my information without my permission to XXXX XXXX XXXX. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an error with my credit card report. All XXXX  major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me XXXX XXXX, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Product: Credit card or prepaid card

On XX/XX/XXXX Discover card mailed me a letter claiming that I received a 1099 C for the year ending XXXX, and to support their position, they reached out to a charge on the card - XXXX. Here 's the problem with their approach. 

1. The charge dates - fall in line with the time frame where I was living in Ohio on a work assignment. I've provided Discover with the documentation to support my residency status during said time frame. 

2. The XXXX location - a neighborhood location, and a lot less stringent on identity checks. 

3. The address - associated with my name - on the XXXX receipt - did anyone at Discover bother to stop and look to see how that address is a new one and, in no way associated with me, and never has been? 

I also recently learned that Discover responded to my latest complaint saying ( to no surprise ) that I am liable for this account for the following reasons : 1. They talked to me on a verified phone line - you did? Which number, because the number you claimed you used, I proved ot you that that number wasn't active during the time frame you claim this account was opened. 

2. It was sent to the address listed on the on-line application - Really? During the time when I was in the middle of the country? As proven by my signed lease from my landlord in Ohio? 

3. That the email address on the online application and the online pay center matches the email address used on this form. Really? Please provide a copy of the application, or provide the credentials to the online pay center that verifies your claims that my information was the information used. 

4. That you spoke with me about the account on or around XXXX. Did you? Using the same number that you claimed you verified - but, in fact was rendered inacctive? How do you know you were speaking with me? 

Here is what I'm requesting from Discover : 1. I'm requesting that Discover provides a copy of these documents they claim they have to support their claims. I plan to use these documents as part of my pending legal action against them. You've referenced them in a public forum, so it's clear you have them. 

2. I'm requesting a detailed description of the process you used to investigate the circumstances around this account being opened after I provided you with proof that my phone line - that you claim you used to speak with me - twice - was actually innactive.

3. I'm requesting that you remove the " disputed '' designation from XX/XX/XXXX.

Please provide me with these items within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize these companies that pulled a hard credit check without my permission!
Product: Prepaid card

I was scammed {$290.00} by a company XXXX. the purchase was on my Chime card for {$290.00}, XXXX never sent me my items purchased they basically stole my money, I reached out to my card company which is Chime to let them know what happened I complied with every evidence requested from Chime and Chime still has not credited my card back yet they keep telling me to be patient with them but they still have not credit my card. I requested from Chime proof of the merchant XXXX charge back and Chime has refused to give it to me. I requested Chime corporate office number and they refused to give me it as well, I have been card holder with Chime for about 3 years and I am very disappointed in Chime treat their customers.
Product: Debt collection

My name is XXXX XXXX.Recently, I found out that I was a victim of Identity theft after receiving an attempt to collect a debt from Discover bank. I believe that I have never had any outstanding debt with Discover and I have never received any type of communication regarding this fraudulent account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Product: Checking or savings account

When I open a checking account at Citi bank and replenish it. They immediately blocked it for me. Reporting that my personal information is incorrect or false. So if the information is incorrect, why did you then take the deposit at the opening? The money still remained on the blocked account and the Fraud Department promised to send a check to my home address. But more than a month has passed and I do not see the check. I was in brunch, they did not help me there.
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FAIR CREDIT REPORTING ACT OUTLINES THE RIGHTS THAT IDENTITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTIMS HAVE THE RIGHT TO BLOCK FRAUDULANT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT. BLOCK AND REMOVE THIS FRAUDULANT ACCOUNT.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I received an alert on my credit report of a collection account. I never received any communication from them. I do not believe I owe the bill but I was never provided an opportunity, or a copy of the original bill, to confirm it is legitimate. This is a scam that a collection company can report something without even contacting the debtor. This should be removed from my credit report and then provided to me to review and dispute or pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2019 To : Transunion Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be removed as set by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX USA # XXXX**** Date of last activity made of this account is well above the 7 year mark and by law must be deleted form credit file. 
Inaccurate information on payment status. Payments showing 90 day late period with no 60 day late period. This is impossible and inaccurate. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Transunion Please delete the following accounts XXXX bal. {$520.00} XXXX XX/XX/XXXX XXXX bal. {$670.00} OPEN XX/XX/XXXX XXXX bal. {$360.00} OPEN XX/XX/XXXX XXXX bal. {$130.00} OPEN XX/XX/XXXX XXXX bal. {$340.00} OPEN XX/XX/XXXX XXXX bal. {$170.00} OPEN XX/XX/XXXX XXXX bal. {$270.00} OPEN XX/XX/XXXX XXXX  XXXX  bal. {$850.00} OPEN XX/XX/XXXX XXXX XXXX XXXX bal. {$11000.00} OPEN XX/XX/XXXX XXXX XXXX  bal. {$1300.00} OPEN XX/XX/XXXX XXXX  XXXX bal. {$500.00} OPEN XX/XX/XXXX XXXX bal. {$2400.00} OPEN XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance has on more than one occasion intentionally changed the date of first delinquency extending the reporting period on my credit file. I have disputed this information multiple times and the result is the creditor reported the account open with a past due status dropping my score by more than seventy points. This account has been closed and charged off for more than seven years classifying as a zombie account and yet they are getting away with fraudulently reporting inaccurate information as well as manipulating information to extend the damage. If that wasn't enough, retaliation for challenging the information. Despite furnishing older reports which reflect older original delinquency dates dating back to XXXX of XXXX XXXX, I have also discovered another date back in XXXX XXXX and XXXX. Capital One Auto Finance refuses to correct this info rather they punish me by reporting different information to the three credit reporting agencies.
Product: Checking or savings account

This past week, I got a refund from a company overseas. This was a refund that was delayed due to the pandemic and took a long time for them to confirm it. 

The amount for the refund was XXXX I checked my account this morning and I saw that a fee of XXXX XXXX was charged to my account. This was not my doing, I had no control over the refund amount that came from overseas, wasn't aware they were international. If I did a wire transfer on my own accord, that would be one thing. But to be charged a fee for a refund is not acceptable. 

Also the multiple charges for a low account fee is beyond unfair. I was struggling with some health issues and had no control over what was happening. In XXXX XXXX XXXXXXXX I believe.
Product: Debt collection

WellsFargo Home Mortgage states two payments are due on : Mortgage account : XXXX. 
Payment due are XXXX and XXXX XXXX Bank shows that the funds were taken out of our checking by WellsFargo from bill pay transactions : XX/XX/2019 Tran conf number XXXX XX/XX/2019 tran conf number XXXX When discussing the issue with Wells Fargo, they say that they think they have an old lockbox that was given to use by the WellsFargo collections department caller and that the money will eventually be returned to XXXX when, or if, they find the money sent to the old lockbox. 

All we know is that we sent entered the address that WellsFargo provided and that they removed the funds from our checking account by ACH. We would like the money found and applied to our mortgage.
Product: Vehicle loan or lease

My loan has been closed and paid off since XX/XX/XXXX. 

I have contacted GM financial 4 times to ask them to report the loan accurately as it still shows as open with a balance. 

It is XX/XX/XXXX and this is still showing on both my Husbands and my credit report as an open balance of XXXX. 

Full payment of XXXX was made XX/XX/XXXX.
Product: Mortgage

Hi, I submitted a request to have PMI removed from my conventional loan. Flagstar denied my request because they stated I was late even though my loan ( forebearance ) was covered under the COVID 19-Mortage Relief Act regarding negative reporting. The COVID19 Mortgage Relief Act states the following : ( 3 ) may not report any adverse information to a credit rating agency ( as defined under section 603 of the Fair Credit Reporting Act with respect to any payments on the loan that were due during the forbearance period, if such payments are made before the end of the 12-month period. ) ; and Flagstar refuses to use the information provided on my credit report regarding my on time mortgage payments as a means to approve my request for PMI removal. The information provided to the credit bureaus shows no late payments even though I was under the forebearance plan via Flagstar. Flagstar representatives assured me verbally before I accepted the forebearance plan that this action will have no bearing on my credit reports or any request to modifiy my loan via COVID-19 Mortage Relief Act. Based on the law, you can not use foreberance issues that fall within COVID-19 Mortgage Relief Act to penalize a borrower that is requesting the removal of PMI. 

I am requesting the removal of PMI ASAP.