23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I pay my full statement balance on the XXXX of every month as that's the due date. I made the payment of {$39.00} for XX/XX/XXXX due date and it got posted on XX/XX/XXXX. On XX/XX/XXXX, I saw that my payment got returned back from my external bank account. I didn't have any idea about this so I contacted my external bank and they said their system mistakenly froze my account. I called Capital one to apologize about the situation and told them I am working to resolve this asap. I constantly worked with my external bank account and fixed it the same day. I made my payment that got returned on the XXXX of XXXX to the capital one. My payment got posted on XX/XX/XXXX. 

Despite me calling and explaining my situation, they charged me a late fee of {$25.00} and an interest of {$15.00}. So, basically they fined me with {$40.00} total for paying my statement balance of {$39.00} three days later. I called the customer support and they told me they can not do anything about it and told me I should not be charged anymore if I keep paying my statement balance in full on the first of every month. The customer support was not providing the informations I was trying to know about my account. They would just hang up when they don't want to explain something. 

For the next month, I paid my statement balance in full before the due date and my payment got posted on XX/XX/XXXX. On XX/XX/XXXX, I got an Interest charge of {$58.00}. I just dont understand what I am getting charged for.I never noticed this charge until today. I called them and the customer representative told me they can not do anything about it and they are not sure if I will just keep getting charged. Again, I could not receive any clear information about my account and I am tired of it. 

You can check my past history that I never miss a single payment. I got unfortunate on XX/XX/XXXX with my external bank account and even though I resolved it the same day, I am still constantly getting punished by Capital one. Since XXXX and XXXX, I have been charged a total of {$98.00} for not doing anything. I have been severely affected by the pandemic and have been dealing with the financial crisis since then. I am a XXXX XXXX XXXX and my annual income is so little at this point due to my health complications. Yet, these big institutions are trying to rip off the money from people like me. I am barely making my own basic needs met and here I am paying these banks for no reason from my grocery budget while making myself starve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Mortgage

On XX/XX/XXXX I applied for a cash-out refinance with Mr. Cooper who held my mortgage. I worked with a licensed loan officer and explained my situation completely. I explained that I had purchased the property from my father 's estate in XX/XX/XXXX. I was told I was eligible for a cash-out refinance loan through FHA and began the process by authorizing a credit report to be obtained. I paid upfront ( {$570.00} ) for an appraisal and had the appraisal completed very shortly after. The appraisal came in much lower than was anticipated and noted some damages to the property that Mr. Cooper required to be repaired prior to proceeding with the loan application. I was given a deadline of 14 days to get the repairs completed in order to proceed with the loan. As I was working on the repairs ( approximately {$2000.00} worth of labor and materials ), I spoke with my loan officer about the low appraisal and my concern about how much that lowered my borrowing amount. The loan officer said that I wouldn't have to pay XXXX or XXXX 's mortgage payments because of the close date of the loan, so the lower value would be made up somewhat by being able to keep those payments. I proceeded with the loan, made the repairs, and proceeded through the process. I had the re-inspection of the property on XX/XX/XXXX. After waiting nearly a week from the property re-inspection, I reached out to my loan team to figure out why we hadn't received a clear to close yet. I was met with more documentation requirements and clarifications needed. After working for 2 more days to provide the required information, one last piece of information was required which was proving that the property was inherited. I had never once said or indicated that I inherited the property, but my loan officer had admitted he made the assumption that I had. Since the property was purchased and not inherited, I was actually not eligible for a cash-out refinance with FHA. This is information that should have been caught on XX/XX/XXXX when I spoke with the loan officer. As a result, I had made financial decisions and spent money on repairs that has placed me in financial peril. I also had a credit inquiry that hurts my credit. Mr. Cooper has credited back the {$570.00} for the appraisal since they admit they messed up, but is refusing to remove the credit inquiry or accept responsibility for the additional financial hardship their carelessness has caused. I reached out to the manager of the loan officer and was essentially told it is not their fault that I am in this position.
Product: Bank account or service

There is an old student loan that I have been paying on my son 's behalf for many years, the monthly payment on this loan is authorized to be debited from my checking account for credit to his student loan account with Navient. My son went back to school to finish his degree 2 years ago, and again borrowed money through the XXXX program to finance his last semester of college. At some point, the SECOND loan became past due, and my son thought he had worked out an acceptable payment plan that would n't burden him financially. 
Imagine my shock when I opened my bank statement this afternoon to find an UNAUTHORIZED ACH debit entry on my checking account for {$730.00}! Apparently, someone at Navient queried my son 's name/SSN found MY bank account information and initiated the payment WITHOUT authorization or notice of any kind.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Credit card or prepaid card

For the months of XXXX and XXXX Chase bank charged interest and late fees because I was told my full payment was made 2 days late. I explained to two different customer service reps and two managers that I was not sure how it could have been late since it was paid electronically like is done every month for the past 5 years and have not had a problem until now. They would not waive the interest charges. I fell like this is a scam to extort money from me. They are not interested in helping me. I ca n't believe that a good customer who spends around {$20000.00} a year on their card they would treat so horrible.
Product: Debt collection

I received copies of my free credit report on XX/XX/year> and have noticed a business with an address that is not mine and several accounts in collections. I disputed as many as I could on this same day, through experian and I wasnt successful, then I asked for proof to verify the accounts were mine. Im still waiting for a response. The amounts were {$940.00}, {$710.00}, {$2100.00}, {$1500.00}, and {$140.00}. The account stating I owed {$140.00} was removed from experian. I have yet to dispute the extreme amount of inquiries to loan companies that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. 

According to the Fair Credit Reporting Act, you have the right to report any mistakes to the agency that supplied the report that contains the false information, and that agency is required to look into the mistake. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages. 

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. 


I have requested a dispute with all XXXX bureaus and their response was Account information was disputed by the consumer, and meets FCRA requirements. On another note this is not my account it belongs to someone else so now this goes into a HIPPA situation correct? Incorrect personal identifying information this is when the name and address given to a creditor belongs to someone else.
Product: Credit card or prepaid card

Due to an incident in XX/XX/2015 my credit has been tarnished ( please see my previous submitted cases ). 

One of the side effects was the reduction of the credit line from $ XXXX to {$500.00}. I previously opened a case which was denied due to this ongoing issue which is still an active investigation with multiple law enforcement groups. I was told that I would be eligible to request non-hard credit limit increases every 6 months. This past month I called to request a good customer increase and was told that the policy has changed, and this is no longer the case. I understood and do not want any additional hard checks on my account as I am trying to repair the damage due to the XX/XX/XXXX incident. I instead inquired how I could put my revised salary information on my account, given this card was initially opened in XX/XX/XXXX, likely the salary information is from that time frame. I was told there was no way to update my salary information on the account without a hard credit check, which surprises me. I tried multiple chat and phone representatives and even spoke to a Wells Fargo branch manager who actually recommended I submit this complaint since she in the past had similar issues. 

All I want is to update my salary information on my credit card so that in the event of an account review, the most current information is available to ensure the possibility that my limit is automatically increased without a hard credit check.
Product: Credit reporting or other personal consumer reports

Banco Popular started foreclosure without notifying us the account was even past due. In XX/XX/year> we found that there were checks that hadn't been cashed. When I called Banco Popular they told me that they did received some of the checks and were in their possession but were not cashed, after that I asked for an investigation and asked them if I could send them a new check for the amount required and put a stop payment on those checks because I did not know what was going to happen with those checks, they told me to wait until the investigation was finished because any check I send during that time will be put on Hold and not be cashed. After about 4 months no results of the investigation were going on ( I was calling monthly for an update ) we went to XXXX XXXX in XXXX and visited the Banco Popular ( it was XXXX XXXXXXXX season and they only allowed a limited number of people inside the bank ) there I tried to pay again but the girl in charge of mortgages told me that she could not accept the payment because of the investigation on course but she could contact someone who XXXX help me. Finally by XX/XX/year>, we paid all the passed due and were told it would not affect our credit, and it has. It has been affecting my credit and its still showing " Foreclosure Started '', instead of showing a reinstated. We've always had the money and could even show proof that it was in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a home refinance a couple months back and they reassured me that I would only get one hard inquiry on my credit report. All the pulls were within a short window and I have complained to XXXX XXXX XXXX XXXX. They removed one of the three and The other two are there days apart one on XX/XX/2022 from XXXX mortgage Ser The 2nd one is on XX/XX/XXXX from XXXX XXXX. 
They removed one but I was told in the short window can shop and only have one hard inquiry on your report. 
Thank you and kind regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX Account # XXXX Date opened - XX/XX/20
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. 1 am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation Failing to notify consumers about investigation results effectively : These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. A reported balance of {$12000.00} and the absence of accurate credit usage data are incorrect. The balance appears inconsistent with my records and the lack of credit usage details violates the requirements for accurate and complete reporting.

2. The account is listed as closed at the credit grantors requires which is inaccurate. I have no record of this action being initiated by the creditor. I require verification or correction of this claim.

3. There was an account sent to collections yet it was not charged off. The balances do not match. And the collection agency can not provide any proof of owning the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. You also keep re-inserting " Resurgent Receivables '' on my consumer report without the proper notification according to federal law. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Debt collection

Your disregard for my requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates investigation of incorrect information. Failure to comply with the FCRA can result in legal action, penalties, and liabilities. I am notifying you of my intent to pursue legal action against your company for failure to comply with the law. Despite numerous requests, you have not investigated or removed inaccurate information from my credit profile as required by law. 
Accounts in Dispute : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a US born XXXX yr old XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had CapitalOne accounts for XXXX YEARS! I went to the local branch via {$24.00} car Service XXXX I had an appointment at XXXX with XXXX XXXX-who did show up that DAY or cancel! None of the staff XXXX? XXXX XXXX ( From XXXX ) had a card or name tag! They refused to cash my {$200.00} Cap One360 check ( Balance over $ XXXX ) or sell me a {$5000.00} XXXX I had NINE+ IDs! Driver license, Medicare & Soc Sec ATM & CapOne Credit Cards, I had a XXXX XXXX  Senior Photo ID and XXXX XXXX Card! Due to Covid Protocols & Health concerns the Passport & Driver license were expired! All other IDs were valid & had the name I have had since birth in XXXX XXXX in XXXX To make the nightmare worse XXXX, the mumbling rude teller refused to cash a XXXX check for {$200.00} or sell me a roll of Quarters for a {$10.00} bill. To put a rotten Cherry on the experience my current valid ATM card issued by the XXXX Dept, was rejected by the ATM IN THE BANK as " Not AUTHORIZED!! XXXX XXXX had no clue! ( My PIN was correct! & the card was un-damaged! & Pristene! Twenty 25 subsequent calls to the Branch & XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX etc have not gotten me an apology, refund of my XXXX  ATM fee or the email of XXXX XXXX XXXX or XXXX XXXX!!
Product: Credit card or prepaid card

I discovered that my card had been stolen/returned to my purse multiple times, along with my drivers license, and used without my authorization. At the time this began, I had only used the card a few times. I was not traveling or out of state at any time during the fraudulent usage. I called immediately yet did not have time to review charges over the phone as I work a high demand job. I could not get access to my online data following the call because it was of course cancelled and suspended until I activated the new card. Once I was able to login and review, I called back and disputed all transactions I did not recognize. At this time, the rep that took my call was rude and criminalized me as opposed to assisting me professionally. In addition, the investigator that called me was very rude and pushy. I am not able to spend 30-45 minutes at a time on phone calls with your representatives going over the same questions and information multiple times. The process is terribly redundant and wasteful as well as a burden on your customer that has been the victim of fraud and identity theft. At this point, it has been three months, I have been treated extremely rudely, criminalized for being a victim of fraud and identify theft. My claim of fraud was denied saying the charges were within my regular spending pattern. I literally had the card two months before this happened and only used a few times so I had no spending pattern developed. Total amount of fraudulent transactions is {$830.00} PLUS INTEREST.
Product: Money transfer, virtual currency, or money service

Took a long time to get my money