23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had to break my lease as I lost my job and was no longer able to afford it. My final bill from the complex was   XXXX   and change.
I get a phone call from hunter warfield stating that I owe over 8k dollars and interest is accruing daily.. I explained that I am more than willing to settle this debt AFTER they remove all the fees, interest and remove from my credit report they said yes, the payments were set up, the account was removed from collections..the following month, the account was back on my report with higher amount owed. They called and I refused to work with them. Now what?
It has been disputed and I have one this battle already.. why is it back on my credit report?
Product: Credit card or prepaid card

The Citi Aadvantage business card advertises a free bag checked on XXXX flights. I arrived to the airport today and was told it would cost me {$60.00} ( {$30.00} each way ) to travel with a bag. I informed the agent the bag should be free because I have the Aadvantage card. She informed me that people often think this because the card advertises free bags but the card only provides a free bag on select flights. This is unacceptable false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint XXXX was denied by XXXX in XX/XX/2021. XXXX has proceeded to retaliate for filing this report. In XXXX Equixfax received per their knowledge that XXXX reported this account now nearly 6 years closed and 60 days late. 

I am filing another CFPB report against Equixfax as well for illegally posting adverse information against a long closed and paid full account. 

I am providing added information related to Complaint XXXX again outlining how XXXX XXXX was slow to process a mortgage pay-off from another financial institution, likely also in retaliation. 

I am demanding monetary reimbursement for 5 years plus of unjustified reporting by XXXX and now more emotional distress as I prepare for an new business loan which will be stalled until this is resolved. I had a credit rating of 820 plus which dropped 61 points overnight due to XXXX XXXX retaliation.
Product: Student loan

Nelnet reported my student loans as delinquent, when in reality, my university ( University XXXX ) failed to report my enrollment correctly, resulting in over XXXX negative marks on my credit score. Nelnet claims that my Enrollment Certificate is not enough to prove my enrollment for debt purposes, and though the fine print of the document says 'This document should not be used for loan deferment verification purposes ', I believe this is not an issue of deferment, rather it is proof that my loans should never have been due in the first place.
Product: Money transfer, virtual currency, or money service

My wife and I wanted to buy a puppy and she found what she thought was a reputable breeder that had puppies for sale. The price was in line with what other breeders were charging. A deposit of {$400.00} was required, which we thought this was reasonable. The breeder wanted to use XXXX for the deposit transaction. We were not familiar with XXXX but the breeder said XXXX was offered thru our Chase Bank. I went online, logged into our XXXX account and saw XXXX listed as an option to use for making payments so we thought XXXX had to be secure, right?? 
Shortly after my wife completed the XXXX transaction, the breeder basically quit communicating with us and we knew pretty quickly that we had been scammed. I immediately called the XXXX customer service XXXX number asking for the transaction to be reversed and was told the fund transfer could not be reversed and there was nothing XXXX could do even though the scammers name and account # appears on my XXXX statement. The next day I spoke with my local XXXX office and was again told the transaction could not be reversed and also told that even though XXXX appears on the XXXX website, it is a third party not controlled by XXXX and therefore my money was gone. ( I just recently found out that XXXX XXXX has XXXX in XXXX ) XXXX 

XXXX still has a significant presence on the XXXX website. Why? Scammers present XXXX as a safe secure method of transferring funds. Scammers point out that XXXX is on the XXXX website so its got ta be safe, right?!! In fact, up until recently, when I'd access my XXXX account on line, a pop up box would ask me if I want to activate the XXXX feature. 

In an effort to gather as much information as possible to include in this complaint, I recently spoke with my local Chase representative ( who is the same person I spoke with back when I was scammed ). He said that, yes, there is still information about this scam noted on my account history ( including his notes and the inquiry he submitted up the ladder back then ). 
I asked if I could get a copy of that info to include with this complaint. He said he would check but called back and said the XXXX XXXX department said no, I could not have this information, unless I had a subpoena. WOW! Great customer service... Why can't I access information about my own account? 

I would like to submit a complaint to the Consumer Financial Protection Bureau, asking for the CFPB to convince XXXX or XXXX to refund my {$400.00}.
Product: Debt collection

To whom it may concern, Other then myself numerous family members have been receiving calls from  XXXX XXXX XXXX  real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.
Product: Mortgage

I received notification of an increase in my mortgage payment effective XX/XX/2019. According to the statement I received, my monthly payment would increase from {$590.00} to {$640.00} unless I chose to pay a lump sum of {$480.00} to cover an escrow shortage by XX/XX/19. I sent in a check for {$490.00} along with the statement slip to cover the escrow shortage mortgage coupon as directed. My check included " Escrow Shortage '' and the acct number on the memo line. My monthly payment for XXXX was sent to Lakeview through my bank auto pay in the amount of {$610.00}. Lakeview processed the escrow payment on XX/XX/2019 which should have changed my monthly payment amount to {$600.00}. However, my statements since XXXX have shown {$640.00} as the amount due. When I looked at my payment history online, I found Lakeview had applied the {$490.00} as a partial monthly payment for the following month ( XXXX ) instead of an escrow shortage payment. When my XXXX payment was automatically sent at the end of XXXX, Lakeview posted it as a Principal Curtailment rather than my monthly payment. I emailed Lakeview customer service on XX/XX/XXXX after submitting an inquiry to Customer Service via their website and not receiving a response. No response to my email either. 
I mailed a letter to Lakeview in mid-XXXX asking them to properly credit the {$490.00} posted on XX/XX/2019 as an escrow shortage payment and correct the XXXX and XXXX payments to reflect the {$610.00} as monthly payments of {$600.00} with an additional {$3.00} as a principal curtailment. No response. 
On XX/XX/XXXX, I emailed customer service again including an explanation and a copy of the letter I had mailed the month before. Finally, on XX/XX/XXXX, I received an email response stating that Lakeview 's Payment Processing Team would be reviewing my account. Online, it shows misapplication reversals were entered on my account one of  which removed the escrow entered as a short payment then applied it on XX/XX/XXXX as an escrow payment due on XX/XX/19 ( originally due XX/XX/19 ). An escrow advance for {$330.00} was entered on XX/XX/XXXX with a due date of XX/XX/19. However, there are also 4 misapplication reversals made on XX/XX/XXXX for my monthly payments for XXXX, XXXX, XXXX and XXXX which were never reapplied correctly. There have been no other transactions since XX/XX/XXXX despite the email I sent 2 days ago telling them it now appears I am 4 mortgage payments behind.
Product: Debt collection

I have not received any forms of communication regarding this debt. ( In fact I do not even recognize the original creditor - the original debtor is a rental company in XXXX, CA and I have not lived in that city my entire life- I have proof of residency ). This was posted to all my credit reports with my knowledge
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Product: Debt collection

Formal Complaint Regarding Misleading Credit Reporting Practices by Capital One Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Capital One concerning their misleading and erroneous reporting of my credit information. My name is XXXX XXXX, and I am a customer who opened an account with Capital One in XX/XX/XXXX, which was subsequently closed later that same year. 

The issue at hand revolves around a collection of {$300.00}, which I paid off on XX/XX/XXXX, after speaking with a Capital One representative. During our conversation, the representative assured me that upon payment, I would receive a letter confirming the deletion of this collection from my account. Furthermore, they assured me that their team would remove this collection from my credit report. 

However, despite my compliance with their request and assurances, Capital One has consistently reported false collections on my credit report year after year. These inaccurate reports have falsely indicated that I am behind on payments by 30 days or 150 days, despite the collection being resolved. 

Moreover, in XX/XX/XXXX, Capital One reported the account as closed, even though it had been closed for over four years at that point. Additionally, they continue to assert that I owe them money, despite all financial obligations being settled. 

Furthermore, the relentless daily calls from Capital One only exacerbate the distress caused by their inaccurate reporting and undermine my financial stability and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are reporting erroneous accounts. I have attempted to dispute these with the bureaus through the past year but no validation has been sent to me. 

Certified mail slips for the attached letters below. 

XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry Dear CFPB, I am writing to formally dispute an unauthorized credit inquiry appearing on my credit report and I did not authorize or initiate this request. 

This is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which requires creditors to obtain written or direct permission before accessing my credit report. I kindly request your assistance in investigating this matter and ensuring the removal of this unauthorized inquiry from my credit report. 

I have included the following documentation to support my claim : A copy of my credit report highlighting the disputed inquiry. 
Any relevant correspondence ( if applicable ). 

Thank you for your attention to this matter. Please feel free to contact me for further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Received a letter in the mail from Target with a new card- that I never applied for- so I subsequently called and cancelled my acct. They did say my SS # has been compromised
Product: Vehicle loan or lease

I sent the following letter with no resolution or response from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of significant concern regarding my account with Hyundai Motor Finance, associated with Account No : XXXX, pertaining to the vehicle, a XXXX XXXX XXXX XXXX XXXX with the VIN : XXXX. 

According to recent revelations from the regulatory authority, Hyundai Capital America 's ( XXXX  ) non-compliance with federal consumer financial protection laws, specifically the Fair Credit Reporting Act ( FCRA ), has come to light. The Consumer Financial Protection Bureau ( CFPB ) has levied a substantial penalty against XXXX, exceeding {$19.00} XXXX, owing to XXXX 's persistent furnishing of inaccurate information to nationwide credit reporting companies and the protracted delay in rectifying such inaccuracies. 

The severity of the situation is underscored by the fact that XXXX provided inaccurate information more than XXXX XXXX times across XXXX XXXX accounts from XX/XX/XXXX to XX/XX/XXXX. This widespread inaccuracy has severely tarnished customers ' credit reports, often resulting in lowered credit scores and adverse financial consequences. 

Furthermore, the CFPB identified these errors as stemming from " systemic '' procedural shortfalls within XXXX. Despite being aware of these deficiencies, sometimes through internal audits, XXXX failed to address them adequately, taking as long as XXXX years to implement sufficient fixes. 

It has come to my attention that my account has been subject to these inaccuracies, leading to unwarranted late payment reports and potentially damaging my creditworthiness. As a consumer protected by the FCRA, I have the right to accurate and fair credit reporting, and any misrepresentation or inaccuracies in credit reports can have serious consequences on my financial well-being. 

In light of the foregoing, I am formally requesting that all late payments associated with my account ( Account No : XXXX ) be expeditiously removed within 30 days from the date of this letter. Failure to comply with this request will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) by filing a formal complaint within the same timeframe. 

I trust that XXXX recognizes the gravity of the situation and is committed to rectifying its past errors. It is essential to uphold the rights of consumers and ensure the integrity of credit reporting systems for the benefit of all parties involved. 

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

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Wellsfargo branch in XXXX, CA, around XXXX  open new account in my name without my permission. After I told the customer service i do not need to open another account, they insisted to keep my new account open. I left of the Wellsfargo bank, believed they closed my account, but they didn't. After I went back to the branch many times, finely they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, it was discovered that a woman named XXXX XXXX XXXX posted my social security number number on social media further leading me to believe that she XXXX have my young childs ssi information as well. A XXXX police report was filed against her with XXXX XXXX badge # XXXX. The report number is XXXX. I suspect that XXXX is trying to use i and my sons information for personal gain. I would like to place a credit / freeze block on my sons behalf.
Product: Credit card or prepaid card

Subject : Not able to redeem my travel rewards points for travel due to an internal Chase technical issue. 
1. During a road trip/business, in XX/XX/2019, I discovered that due to an internal Chase technical issue, I couldn't redeem my points for travel booked through Chase, either online or with the Chase travel desk. 
2. As I was on a road/business trip, I was relying on the ability of using my Chase rewards points. 
3. Daily, I spent hours on the phone being transferred from one supervisor to another, they also were not able to book travel for me using my points. I can not begin to tell you what a waste of time this was, as I lost valuable work-related time each day dealing with this situation. 
4. I suffered unreasonable, frustrating and costly situation that I experienced with my Chase Sapphire Reserve credit card, for over one month, until Chase finally fixed the problem. 
5. As a long-time and loyal Chase Sapphire Reserve card member, I pay a very high annual fee of {$450.00}. I agree to pay the {$450.00} annual fee because my points are worth 50 % more when I redeem them for travel. Chase Ultimate Rewards points earned are worth XXXX cents each when redeemed for travel booked through Chase and over the last several years, Ive accumulated more than XXXX points. 
6. The fact that Chase prevented me from redeeming my accumulated rewards points for travel without any reasonable reason or explanation, causing me to incur a significant financial loss, detrimental and high level of stress, as I was relying on the ability to book my travel using my valuable rewards points. 
7. I have been working with the travel department and the Payment and Escalation department, while I was told the technical team was trying to resolve this issue that Chase was having. 
8. At some point, a supervisor guided me to book my travel not through Chase, but directly with the hotels and airlines, and to pay for my travel with my credit card, while Chase is working to resolve the issue and promised me that Chase will compensate me for all my losses. 
9. Following, and in lieu of not being able to use my points, I booked my travel with my Chase card. I purchased one international round trip flight, one domestic round trip flight and several hotels. All charges show on my Chase credit card and cost thousands of dollars instead of using my reward points. 
10. An escalation report/file was submitted with a request for compensation in the amount of XXXX rewards points. The reward points cover the difference in hotels and airline tickets that I purchased without using my reward points. 
11. I contacted the Chase Executive Office department and the travel side in order to resolve this with a positive outcome and reimburse me for the above-mentioned reward points. 
12. Even though Chase admitted that due to a technical issue on their side, I was not able to redeem my points for travel for over a month, Chase did not compensate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently impacted by a declared national emergency. During that time frame I reached out to discover to discuss options as I have never been delinquent on any account. I was set on an plan but was still reported delinquent. My credit shouldve been suspended during the national emergency and the plan shouldve protected my credit also. I have reached out to several emails provided to for the executive office with no response.
Product: Vehicle loan or lease

ON XX/XX/XXXX MY CAR XXXX XXXX XXXX. ON THE XXXX OF XXXX. I CALL CREDIT ACCEPTANCE AND TOLD THEM THAT MY CAR XXXX XXXX XXXX  AND THEY CAN COME GET IT AND MY GAP SHOULD PAY IT OFF THEY STARTED REPORTING IT AS A REPO THE NEVER REPO MY CARTHEY DECLINED THE PICK UP AND LABEL IT A XXXX XXXX BUT TOOK MY GAP OFF AND I STILL OWE THEM. 1 OWE {$31000.00} AND THEY OFFER A 70 % PAYOFF WHICH IS {$4700.00} TO BE PAIDED BY XXXX OF XXXX AND THEY KEEP POST ON MY CREDIT REPORT AS THEY REPO THE CAR NEVER I CALL THEY NEVER PICKED IT UP THE WAS CHARGE ME 28 % INTEREST RATE I DONT LIKE THE WAY THEY TREATED ME. IM TRYING TO GET A NEW ONE AND CANT BECAUSE OF THE CREDIT REPORTING.I WANT THEM TO PAY ME BACK ALL MY MONEY CAUSE WHY IM PAYING FOR A CAR I XXXX XXXX. IT WAS ON XXXXXXXX XXXX XXXX
Product: Credit reporting

The account from XXXX does not belong to me I have disputed to no end but no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing has been reporting a invalid account on my consumer report which is violating 15usc1681a-4 privacy obligation VIOLATION 1, they're not protecting me as a consumer. 2nd violation is 15usc1681b no permissible purpose to place on my consumer report without my consent or wet ink validation which is violation 15usc1681 section 604 a section 2. I have given them 15 days to provide proof that this account belongs to me and they have yet to do this. 15 days are up, so the account has to be removed. 5usc552a you broke the privacy law. I have a right to privacy 15usc 1681 section 602a. 
Accounts according to FCRA being violeted of my confidentiality rights are XXXX  XXXX XXXX XXXX XXXX according to my recent cfpb complaint they stated that they will stop all collection activity and remove from my consumer report First Progress XXXX 30 days Late 15usc1666b timing of payment violation 15usc1681a ( 1 ) a ( 2 ) transaction history excluded 15usc1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15usc1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any CRA if the person knows or has reasonable cause to believe info is inaccurate.

{$1000.00} per violation sued and or prisonment.
Product: Debt collection

My credit card company issued a refund in error. I didn't know about it. They issued a statement requesting I repay it but I did not get the statement. They started charging me late fees and interest on a refund that they issued in error.
Product: Debt collection

For several months I have been trying to dispute negative accounts from my credit report, accounts that I do not recognize as mine and that on several occasions I have requested verification and even validation of them, the accounts that I have sent on multiple occasions to dispute because they violate the FDCPA are as follows : CALIFORNIA BUSINESS BU XXXX. 
CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX I have requested a validation of the accounts several times with the creditor and they never answer me back. This creditor is in violation on my consumer rights. My lawyer is already working on this case.
Product: Mortgage

I ask you to remove the part ( you must be part of them ) case XXXX, that was not right and i need your help so i appolgise, so if you can remove it that would be great.
Product: Payday loan, title loan, personal loan, or advance loan

Ive been sick for some years now. I'm just getting myself together with my health. My daughter announce to me the she was getting married. Ive haven't ever tried to use my credit. I tried used my credit to get a loan for my daughter and this is where I found out that someone was using my credit for several years. I think it was a relative but I have no proof. I called all the banks and they said there is nothing they could do.