23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted Capital One on XX/XX/year> to make 1 final payment of {$22000.00} to close out the account. The agent I spoke to to make the payment was on speaker phone with myself and my mom. The agent collected the payment with my mom 's permission via phone using my mom 's checking account # on the XX/XX/year>. The agent provided me a reference # and noted I would be receiving a letter in the mail with the account information reflecting closed. On XX/XX/year>, I contacted Capital One again noting my account indicated returned payment which reflected on my mom 's account on XX/XX/year>. When I spoke to another agent on this day, they had stated that Capital One could not verify the account information. I told him I was not understanding how that is possible because the entire payment was taken out of my mom 's account and she had shown me the payment was taken out in full on XX/XX/year>. That same agent said to call back on XX/XX/year> due to Capital One investing the issue. I contacted Capital One on XX/XX/year> in which another agent stated that the reason the payment of {$2200.00} was returned was because my mom 's account could not be verified. Stated an investigation would be made AGAIN noting one had yet to be made. On XX/XX/year> I spoke to another agent that stated the payment was not a returned payment, Capital One put the payment back in my mom 's account. At that point I was transferred to the Account Specialist and it indicated it was their understanding the information was mistyped/invalid information. He said to get a letter from my mom 's bank and proof that the payment had been taken out of her account. I could not get a Letter from my mom 's bank because the bank stated it was not in the banks error, but in the event that Capital One took the payment on XX/XX/year>, they returned the payment on XX/XX/year> with no reason for return. On XX/XX/year>, I contacted Capital One regarding the same recurring issue and the agent I spoke to on this day indicated that the reason was due to the account not being located and MY name was not on my mom 's account. I stated that was ridiculous because when making the initial payment my mom was present ON A RECORDED LINE providing her information and consenting to the payment being processed. I have the proof of the payment being processed from my mom 's account as well as the proof of the payment being placed on my Credit Card Statement. The fact I can not get a straight answer on why the payment is extremely frustrating and now it has effected my credit score and credit. I felt like I have gotten the runaround on information and now I have several late fee and interest fees.
Product: Credit reporting or other personal consumer reports

I found an issue in my consumer report regarding my credit account with XXXX XXXX XXXX ( Account Number : XXXX ). There's an unexpected 60-day late payment entry, and I believe it needs prompt attention.

I kindly ask for a thorough investigation into this matter, along with documented evidence like statements supporting the legitimacy of the reported 60-day late payment. I'm eager to understand the basis for this entry and hope your agency can provide clarification.

If, upon investigation, you can't confirm the accuracy of the 60-day late payment entry, I insist on a quick update of the record to show the accurate statuspaid on time. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing.

I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act and found that you are illegally reporting fraudulent/inaccurate information about. The following alleged account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, there are numerous, fraudulent, and unauthorized hard inquiries reporting on my credit. The following unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This is a violation of the FCRA and is also in violation of requisite metro 2 compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and metro 2 reporting requirements.

Attached is a copy of FTC report Respectfully, XXXX
Product: Credit card

Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the recent letter of closure of my business credit card, associated with my business " Fresh Zone Catering ". As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in 2020, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank refrains from closing my business credit card and provides me with a detailed explanation for the closure decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> I WAS EXPECTING TO RECEIVE MY DIRECT DEPOSIT OF {$1200.00} AND DIDNT. I CONTACTED CAPITAL ONE AND WAS ADVISED THAT CAPITAL ONE WAS HAVING TECHNICALLY DIFFICULTIES AND THEY WILL HAVE THE ISSUE RESOLVED BY THE END OF THE DAY ON XX/XX/year>. IT IS NOW XX/XX/year> AND THEY ISSUES STILL HAVENT BEEN RESOLVED, PAYMENTS FROM MY ACCOUNT HASNT BEEN POSTED AND FUNDS THAT WERE TRANSFERED HASNT BEEN CREDITED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : see attachments XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX Account Name XXXX Under 15 USC 1681a ( 2 ) ( I ) under exclusions late payments are illegal. 
the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report must be accurate. 
Perplexing me, is that I did not give XXXX authorization to share my information with TransUnion, XXXX and XXXX. 

. According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information solely as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( XXXX ) I have asked that ( XXXX ) cease and desist reporting inaccurate information to Transunion, XXXX and XXXX unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXX was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

I have previously filed a complaint against my mortgage lender, SPS, and after reading their response, I still am unsatisfied with what they are stating. My number one issue is the fact that they breached their contract with me. When I received a loan modification through XXXX XXXX XXXX, XX/XX/XXXX, the agreement was that my property tax and homeowners insurance were to be impounded. When SPS took over my loan in XX/XX/XXXX, they agreed to all terms of my loan modification. I received a letter in XX/XX/XXXX from SPS stating they are not responsible for my homeowners insurance and that I would need to pay it myself, due to the fact my home was considered a condo. I had no problem paying my own insurance for my home, however, when I was given a loan modification my mortgage payment included my property tax and my homeowners insurance, when they were no longer paying my insurance, my mortgage payment should of decrease by the amount going to my insurance company THIS NEVER HAPPENED. When I questioned the situation SPS stated my homeowners insurance was the responsibility of my Homeowners Association. This was absolutely false!!!! I pay 2 homeowners associations totaling {$200.00}. I wish my insurance was being included. SPS also stated that my mortgage company NEVER paid my insurance, which once again is false. Attached is a document from XXXX XXXX showing XXXX XXXX XXXX previously was paying my insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I requested my annual credit bureau report from 3-credit bureaus, especially EQUIFAX " EFX '' recently in XX/XX/2018 in order to make corrections nonagreeable charges, such as secure credit card and dispute inaccurate information against XXXX XXXX XXXX for XXXX XXXX XXXX XXXX , XXXX ''. 

" There are other reasons such as " Other problem getting your report or credit score '' ... The EFX telephone agents and managers are engaging in deceptful practices by choosing to ask random questions about my past and present history after advising that it will help them ( she ) to process this request via phone. Then after successfully finishing, I am asked to mail two photo ID 's again to them for their needs '. 


" Each time, I am declined credit, I have contacted the 3-credit bureaus with this request but " Unable to get your credit report or credit score '' from at least mentioned, EQUIFAX INC. " EFX ''. Fraudulent enquiries and inaccurate REPORTINGS via third-party unknown EQUIFAX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the authenticity of the referenced account, which appears to have been fraudulently opened in my name without my consent or authorization. Upon reviewing my credit report, I discovered these accounts, of which I have no knowledge or responsibility, and I suspect it to be the result of identity theft. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), as well as the relevant Consumer Laws and Metro 2 laws. In accordance with these laws, I hereby request a comprehensive and expeditious investigation into this matter to validate the legitimacy of this account.
Product: Credit card or prepaid card

I bought a couch on XX/XX/XXXX from XXXX 's. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XX/XX/XXXX This is 1 year 11 months of financing.

In the prior complaint the company claimed they fixed the issue. However, What they did was credit the account purchase date of XX/XX/XXXX with a payoff date of XX/XX/XXXX and then charged my account with a purchase date of XX/XX/XXXX and a payoff date of XX/XX/XXXX. By doing this my prior months payment on the promotional plan was then credited to the other promotional account which is also only an 11 month payment plan. When they did this they took all my payments applied to this promotional plan and put it on the promotional plan that is coming dueXX/XX/XXXX.

There are also two new promotional accounts on my statement this month with the same problem. The dates of the promotional period is from XX/XX/XXXX- XX/XX/XXXXand XX/XX/XXXX - XX/XX/XXXX. These are suppose to be a 12 month promotional plan but once again it is 11 months. If these were 12 month promotional periods the period should be XX/XX/XXXX -XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.

THIS IS FALSE ADVERTISING!!! FIX YOUR SYSTEM TO REFLEX 12 MONTH FINANCING OR CHANGE YOUR ADVERTISING.

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. I have several other cards and not one calculates the free financing in this manner. They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. They also advertise that anything over 350 is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.

This is the worse credit card I have. I have to call monthly to get things corrected and I have to have payments adjusted and applied the proper way. This is how consumers are getting screwed by XXXX XXXX.

My next step is contacting a lawyer for a class action lawsuit. I have already shown an attorney the statement and how the retail account works vs the promotional plan works and how one does not have 12 months to pay the account or 24 months to pay the account and that you only have 11 months or 23 months to pay. However the amount that is required to be paid on the account is calculated at 12 or 24 months. So if you do not watch the account you will not pay off the account in the time frame and then get zapped with the interest for not paying it off on time. This is a scam.

The way they corrected my statement is not correcting the problem.
Product: Credit reporting or other personal consumer reports

I noticed a reporting back on my credit back in XX/XX/year> from PayPal. I called PayPal and inquired what was the reporting for. They gave me a balance of {$56.00} and some odd change however could not tell me what it was for or the name of the company and they advise me that it was a weird name that they were not familiar with. I advised them I was unaware of a PayPal card even existing. The representative stated that she would close the account and open a fraud claim. 

I checked my credit reporting again in XXXX and it had not been removed. So I called XXXX back and advised them that it still was showing up on my credit. And the representative advised me of the same thing and that they would take care of it. I started receiving calls from a debt collector about the same charge. I called PayPal credit back XX/XX/year> and she advised me again that the account was being closed and she would submitting a fraud/unauthorized charge to remove the balance and to remove the reporting from my credit. Here again in XXXX, I receive a call from a third-party debt collection for the exact same thing. I called PayPal again this month for the second time and was advised that the last representative did not open the fraud case in error. The representative advised me I would have to wait 60 days. I advised the representative that was not my fault that their representative dropped the ball and I have been calling since XXXX about this problem. PayPal has already advised that they would remove the balance because no one can explain to me who the company is or what the charge is for. They also advised that they would remove it from my credit, but I would have to wait another 60 days. I should not have to wait another 60 days when I've tried to get this resolved back in XX/XX/year> and I've called every single month since then. I need the balance removed and removed from my credit asap.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$3700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6700.00}
Product: Debt collection

I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge. It Does not tell me what the account listed under, But the amount for the requested debt is {$390.00} currently being reported by XXXX XXXX to the credit bureaus. This account does not belong to me and was opened without my authorization. 



Timeline : In XX/XX/2024, I first noticed the fraudulent account when reviewing my credit report. 

On XX/XX/2024, I filed a dispute on XXXX. 

On XX/XX/2024, I contacted XXXX XXXX to dispute the debt, but I have yet to receive any confirmation of resolution. 

Impact : This fraudulent account has caused a significant drop in my credit score, affecting my ability to secure a loan and causing undue stress. The continued reporting of this incorrect information is negatively affecting my financial health.
Product: Mortgage

During this pandemic I found myself asking for a forbearance with the mortgage company I had at the time, which was XXXX XXXX. Before the three months was up, XXXX XXXX sold the loan to Gregory Funding LLC. The dates involved are XXXX, XXXX, and XXXX of XXXX. From XX/XX/XXXX up till XXXX of XXXX, I was paying on time. I was not able to pay XX/XX/XXXX, which made me then 4 months total behind. I have since gotten another forbearance from XXXX and have been paying the mortgage every month since then. I have spoken with several people at XXXX and XXXX operator XXXX, who I spoke with today, Friday XX/XX/XXXX. I was asking if they could put the four months on the back of the loan of which she informed me that they are not doing anymore deferments at this time. I have been asking all along if I could have the 4 months put on the end but to no avail. My escrow is very high, and I really need help with this matter. They are also saying the I owe almost XXXX, when I know that there was not supposed to be any interest accrued during the forbearance months. Now my last forbearance is up on the XXXX, of this month, XX/XX/XXXX.
Product: Mortgage

My mortgage has changed hands multiple times and is currently serviced by NewRez. I have always had my mortgage payments on auto-pay and no issues with payments being on time. My XXXX score on XX/XX/XXXX, was XXXX. 
I started making inquiries in XXXX, XXXX, regarding refinancing my mortgage loan. I had reached out to XXXX and started the refinancing process. 
In XXXX, XXXX, without my knowledge or consent, NewRez took my account off auto-pay and put me on a forbearance program. I was made aware of this in XX/XX/XXXX, when they sent me a letter regarding their approval of my forbearance program. 
I called them immediately, and let them know I had not requested a forbearance program, to put my account back on auto-pay. I paid them both XX/XX/XXXX and XX/XX/XXXX 's payments. 
I was assured that I would not be penalized, nor would it impact my credit rating. 
On XX/XX/XXXX, I received an alert that my credit score had been impacted and had dropped XXXX points from a XXXX to a XXXX. I reviewed the reason behind my score decrease to discover that NewRez, despite their assurances that it was their mistake, and my credit rating would not be impacted, had reported my XX/XX/XXXX payment as 30 days overdue almost 1 year later. I have tried to resolve this with NewRez and have yet to receive a response from a live person who can resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer attempting to correct inaccurate and unverifiable information on my consumer report. There is information that is in violation under the Fair Credit Reporting Act. A specific account which is a collection account on my consumer report is reporting inaccurately. The company has a duty to follow federal law and is in violation of the FCRA. This company has not properly verified this account. Please remove this account. 

Account : XXXX XXXX Amount : {$1200.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT WITH VICTORIAS SECRET WHICH WAS PLACED IN COLLECTION, AND SOLD TO ANOTHER COLLECTION AGENCY. HOWEVER IT IS SHOWING UP ON MY CREDIT REPORT TWICE, ONE TO THE ORIGINAL AND ONE TO THE NEW COLLECTION AGENCY.
Product: Credit reporting or other personal consumer reports

BANKRIPTCY XXXX ILNORTHERN DID NOT VERIFY ACCURATE ACCOUNT XX/XX/XXXX FILED DISPUTED XX/XX/XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX ... XXXX INQUIRES XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX ALLY XXXX XXXX XXXX XXXX XXXX XXXX FED XXXX, XXXX, XXXX XXXX, XXXX, XXXX CRSLLC*
Product: Debt collection

I cancelled a home improvement contract with XXXX XXXX in writing before they began work on my property. The contract was signed on XX/XX/XXXX. I wrote to cancel on XX/XX/XXXX and after receiving no response, again on XX/XX/XXXX. I stated in the terms of cancellation notice that they could keep the {$1000.00} deposit I paid, but that I no longer wanted to proceed with the project. They called me over the phone and said that I owed them more than {$10000.00} for cancelling the contract. Later, on XX/XX/XXXX, I was contacted by mail by FCR Services requesting {$10000.00} on behalf of XXXX XXXX. I responded to FCR services by mail on XX/XX/XXXX to dispute the debt. I told them that because XXXX XXXX never attempted to collect this debt via mail and never sent me an invoice that this debt was not valid. They never responded to my letter, but now, on XX/XX/XXXX, I received multiple voice mails from different people at FCR services attempting once again to collect this debt.