23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax reported me late on a XXXX XXXX credit card. They have me listed as late 30-60 days. I made a payment on this account on XXXX XXXX for {$20.00}, on XXXX XXXX for {$10.00} and on XXXX for {$230.00}. When I called XXXX XXXX about late fees they reversed them on XXXX XXXX for the amount of {$29.00}. The account was never more than 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following inquiries. These are not mine or belong to me. I have also filed a police report. Apparently someone is using my social to try and open accounts and credit in my name. I have also had someone steal my bank card and attempted to withdraw money from my account. 

These do not belong to me. The police report has been filed with XXXX XXXX police department. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I reported my Macy American Express card lost and stolen and I requested a quick shipping of my credit card and it was received the next day and I called customer service to activate it and it was activated and XXXX unable to add it to my Macy app and it keeps giving me the error message and XXXX unable to add my Macy American Express card online and I was told I need to use my laptop which I tried but Im still getting the error we are unable add my card because its been transfer to new account number
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX To : XXXX XXXX : Consumer Dispute Division Subject : Request for Validation of Debt - Account Number XXXX Dear XXXX, I trust this correspondence finds you in good health. I am writing to formally contest the collection account referenced above currently listed on my credit report. The account was originally initiated with XXXX XXXX and is reported under the XXXX collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately depict my credit history, and I am seeking validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To resolve this matter, I am specifically requesting the following : 1. **Creditor Confirmation** : Verification that CONSERVE is indeed the rightful creditor for this account and possesses the authority to collect the debt. Documentation such as the original loan agreement or transfer documents would be instrumental in clarifying this matter.

2. **Account Details** : A comprehensive account statement, including the payment history and all relevant documentation substantiating the legitimacy of this debt. Detailed information about each payment made and any supporting paperwork is essential for a proper assessment.

3. **Transfer Validation** : Evidence that the debt was duly transferred or sold to CONSERVE, including any records that confirm this. Information such as the transfer date and supporting legal documentation will help verify the process.

4. **Breakdown of Fees** : A detailed breakdown of any fees or additional charges applied to this debt, along with an explanation of how these amounts were calculated. This is crucial for understanding the total amount claimed and for resolving any discrepancies.

5. **Statute of Limitations** : Clarification of the statute of limitations applicable to this debt to ascertain its legal enforceability.

6. **Communication Records** : Provision of any communication records related to this account, including letters, emails, or phone call logs. Access to this information is necessary for reviewing all interactions and ensuring compliance with relevant regulations. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to provide this information within 30 days of receiving this letter. However, considering the importance of this dispute, I urge you to expedite your review process to provide a thorough response within 10 days. 

If you are unable to validate the debt, I demand its removal from my credit report, as unverified debts violate FCRA regulations. Please address your response electronically to the email address provided above for faster processing. 

Thank you for your prompt attention to this serious issue. I look forward to receiving a comprehensive response and working towards a resolution. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a capital one business card and they are reporting late payments on this account for being late 8 times. I have challenged this at least 10 different times
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

I purchased a {$500.00} prepaid visa gift card ending in XXXX and used it to make a purchase at XXXX, a grocery store. However, when I returned the item from XXXX and was refunded, the cashier mistakenly refunded me {$.00} XXXX XXXX cents XXXX more than the original purchase amount. Although the refund was processed, my card was shut down because of the trivial discrepancy and I was forced to call Incomm customer service because my funds were frozen, and I could not buy food or pay for gas with my card. 
Incomm customer service told me to send them a photo of my original return receipt via email, as that is the only document I have. I sent that email days ago, without any response. I have just called Incomm customer service twice again today, and both times I was put on hold and then hung up on. This is absolutely inappropriate and no way to treat a customer or a human being. I am filing this report because as of now, Incomm has stolen {$500.00} from me and is unwilling to respond to my submitted documents. I even used the referenced case number in my email, but despite going the extra mile, I still have not gotten my money back. Incomm has obstructed my attempts to resolve the matter with them directly and has been completely evasive and disrespectful. This is clearly fraudulent activity and I demand my cards full balance reinstated and the card re-activated for use.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I had ordered a service called XXXX which states that they can erase your XXXX if its locked etc. They never in their refund policy state that you need to take screen shots showing that their downloaded service to your computer doesnt pick up your XXXX / ie recognize it. They were also supposedly on vacation at festivals and couldnt get back to me. Which I thought was weird. They did get back fast when I contacted PayPal. PayPal hasnt done anything about this / its a simple case. The company I mentioned above wants screen shots showing that my device doesnt work with their software but they never once tell you that if you want a refund you need to take screen shots. I dont have the phone I brought it back to XXXX told PayPal and the merchant that I cant provide screen shots of a phone where their service doesnt recognize the phone ( however XXXX XXXX did ) so its a problem with their software, if i dont have the phone anymore and I can prove that I had to send the phone back. So Im being charged by PayPal and the merchant XXXX for something that never worked to begin with nor was I told to take screen shots to get s refund prior to sending back my phone so why am I paying for software that didnt work and 2. If they required screen shots from me they should put that info in their refund policy online which they dont - XXXX scammers.
Product: Student loan

I have requested my transcripts and have refused to provide according to the new federal law.
Product: Bank account or service

Wells Fargo says my statements are available online for seven ( 7 ) years but, when I closed out a money market savings account my access to the statements ended and they want to charge me {$5.00} per statement. I did n't download any statements for my closed MM savings accounts planning on being able to see them online. I feel misled and potentially gouged.
Product: Mortgage

I own a condo unit. I have n't made a payment on in 72 months. That 's 6 years. 
The unit wo n't foreclose. Back in 2011 there were auction dates but everytime the auction was cancelled. 

For the past year i have tired to short sale. 
About 6 weeks ago I discovered that BofA will not Allow me to short sell the unit. I am not eligible. 

Ok ... So I went over to deed in lieu department And I was denied there too. Too many secondary liens. 

My credit can not repair until this unit is gone. 
Regardless of what I do. The bank continues to report late. I think it completely irresponsible that BofA Has take this long to foreclose and wo n't allow me these other options.
Product: Debt collection

Synchrony bank calls constantly every day. 
Today 's record is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX They call every weekday and most Saturdays multiple times a day.
Product: Mortgage

I successfully completed a trial XXXX modification program with Ditech from XXXX through XXXX of 2016 ( due to hardship of divorce ). I paid {$1900.00} per month during the trial. In XXXX I received a letter dated XXXX XXXX congratulating me on the completion and letting me know my new monthly payment would be LOWER than the trial -- at {$1400.00} per month! 
I called immediately to check this and was told it was correct. I logged on in XXXX to pay my XXXX bill and the {$1400.00} was showing. I also received statements showing this amount. 
For XXXX, XXXX and XXXX I paid the lower amount ( before it was due, in full, electronically ). 

In XXXX I got a letter saying if I needed help with my payments, I could learn about modification options and that I 've been assigned an account manager ( someone new, not the person who was assigned throughout my trial modification ). 

I called immediately and was told that I was in arrears by almost {$5000.00} and that I had to come up with a lump sum to get current. Yet, the collections department ( where my " new '' account manager sits ) did acknowledge the letter that came AFTER my modification, they claim my notarized modification paperwork was for the higher amount and that I KNEW I should 've been paying it. I confirmed they had the post-trial letter saying AND BILLING STATEMENTS showing the lower payment amount. 

I have been calling them repeatedly for the past week or XXXX to get this rectified -- their claiming my former modification manager is no longer there ( or available to me ). They, allegedly, have elevated this but it 's still not resolved. I withheld my XXXX payment as they were saying it would be applied toward XXXX 's mortgage ( remember, I paid XXXX, XXXX and XXXX IN FULL ). The online account showed all that until last week. When I logged on to pay my XXXX bill it had a bunch " reallocations '' and showed I 'm in arrears. I 'm also not allowed to make any electronic payments. I am concerned that the company is going to cause trouble for me here and am thinking it may be wise to retain counsel to help ( although I 'm broke, after going through divorce, I can ill afford to get XXXX by Ditech ). 

Also, Ditech sent someone to my home who took pictures and left a notice on my door -- this was on XXXX XXXX. They never alerted me, the person did n't announce his presence and the form he left on my door saying to call Ditech had no contact name or extension. Not only that, it caused my XXXX XXXX XXXX son some XXXX and XXXX - -he did n't know if this was someone looking to break in or what was going on. I am sickened by this situation and need some help, please?
Product: Checking or savings account

After closing complaint numberXXXX I wrote on XXXX social media account that Chase is allowed to change a customer 's bank branch without the customer being told and customer support reached out in a private message and stated that they could not change a customer 's branch without the customer 's consent. This is a direct contradiction to what Chase Bank 's response to my written complaint was. Attached see text message from XXXX account.
Product: Credit card

Sears Account XXXX Account inquires XXXX XXXX made at Sears, XXXX, XXXX, XXXX, OK XXXX XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX payment was applied to XX/XX/XXXX bill not to the XX/XX/XXXX bill. Item XXXX payment bill has a statement that I did n't make the XX/XX/XXXX payment. XX/XX/XXXX @ XXXX I called Account Inquires, spoke to Princes, I was informed that the XX/XX/XXXX payment was applied to my XX/XX/XXXX bill. I asked that the XX/XX/XXXX payment be applied to XX/XX/XXXX bill. The options I was given was a removal of late payment fee or the refund of the {$50.00} XX/XX/XXXX payment. I told Princes, that I did n't want that because my credit report would still reflect a no payment in XX/XX/XXXX. Princes connect me to the supervisor, XXXX, who gave same options. I informed her that the current system of payment in store should be updated. The system does n't tell you that you are making a duplicate payment and give you the option to opt out of the payment. The current system will cause the customer 's credit rating to be negatively impacted because you will have a " no payment '' on your credit report that is false. This will reduce your credit score in a fraudulent way.
Product: Debt collection

Common Wealth Financial Systems claims that I owe them money for a medical debt and they have never sent me any letters or tried to contact me in anyway. They claim that they are collecting for XXXX. I do not have a contact with Common Wealth Financial Systems and only want to work with XXXX had never informed me that I owe them any money and I will pay any amount due directly to XXXX.
Product: Debt collection

Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court.
Product: Credit card

I reported several unauthorized transactions on my Capital One XXXX credit card, and was issued a temporary credit for the unauthorized amounts, and was told I can continue to use the credit card while Capital One investigates the charges. However, when I tried to make a purchase, it was declined, and when I called to inquire, I was advised that Capital One placed a restrictive hold on the credit for 90 days until the investigation was complete. 

I do not understand how this is a temporary credit at all, if I can not even use the credit given, especially considering I should not be held responsible for charges I did not make, under Capital One 's XXXX fraud liability policy. I have never experienced this problem once with any other bank or credit card when dealing with temporary provisional credits that were issued during a fraud/dispute investigation. I believe this is a blatant abuse by Capital One and a gross misrepresentation of their fraud liability policy, and I am requesting that they take proper care of their customers and not punish them for no reason under a baseless policy. I want to know how this is at all justified, as the whole point of reporting these unauthorized transactions was so that I can still use the credit card, and not be left without any recourse or options for months. Please help me make this right!
Product: Student loan

MOHELA has had my loan portfolio, including my XXXX  forms, since XXXX. I can not get them to give me an updated payment count. They told me in XXXX it would update in a month and it didn't. XXXX and XXXX have passed by and it hasn't updated. 

I spoke to an agent today and they said it would be another 90 days. I told them that wasn't acceptable as they've had all of my documentation since XXXX and I need to know my qualified payment count for planning purposes around my employment and getting married for tax purposes. They said they'd transfer me to a " supervisor '' but I was put on hold and no one picked up the phone.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my ongoing dispute concerning certain inaccuracies present on my credit report. Despite repeated attempts to rectify the situation, the disputed personal loan account ( Account # : XXXX  # XXXX ) remains unresolved, prompting me to escalate the matter to your attention. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and Credit Metro Codes, I have identified several violations within the reported information : XXXX. Violation of Privacy ( 15 U.S.C 1681 Section 602 A ) & Credit Metro Code 101 : The inclusion of the personal loan account without my explicit written authorization represents a clear violation of my right to privacy and confidentiality. 
XXXX. Inaccurate Reporting ( 15 U.S.C 1681c. ( a ) ( 5 ) ) & Credit Metro Code 203 : The adverse information associated with the reported account is factually incorrect, contravening both the FCRA and Credit Metro Code 203. 
XXXX. Furnishing Unverified Information ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ) & Credit Metro Code 302 : The credit reporting agency has failed to adequately verify the information furnished, thereby violating federal law and Credit Metro Code 302. 

I am formally requesting a comprehensive investigation into these violations by the CFPB, with the ultimate aim of rectifying the inaccuracies present on my credit report. As per FCRA guidelines and Credit Metro Code 402, I insist on receiving tangible documentation substantiating the claims made by the credit reporting agency, including proof of a permissible purpose for their inquiry into the disputed account. 

I hereby grant the CFPB an additional 30 days to conduct a thorough examination of this matter and undertake appropriate corrective actions. Prompt resolution of this dispute is imperative to safeguarding the accuracy and integrity of my credit report. 

I eagerly anticipate your response, accompanied by any documentation that sheds light on the validity of the reported personal loan account. Should it be determined that the reported information is indeed erroneous, I respectfully request its immediate removal to restore the integrity of my credit profile. 

Thank you for your attention to this matter.
Product: Checking or savings account

Dear Sirs, I really need you to help me in this matter with this bank of america with which you have been in possession of my money since XX/XX/18 I received as follows the images of the documents that sent me saying that my XXXX XXXX dollars positive now the bank tells me that I still have a negative balance at XXXX XXXX dollars, absurd!! 
I want to point out that the bank, when we open an account is to protect us, have the money protected against burglary robberies etc. and so the bank uses our money for other purposes by making profit in its operations to third parties. 
When you have a cloned card the bank returns the money used improperly because it is a problem in cloning the correct card!!! 
Now in my case the bank wants to take my money being that I used the bank system to receive money in my account, assets that I sold and what is worse I sold to different people and the bank is saying that the two operations were FRAUD, like if I made the receipts on the banking system of them, if this there was FRAUD the bank has to assume because the same received and confirmed in my current account, as in the example of the cloned card!! my case is worse than the example given of the cards, because I had my account besides my money stolen by the bank of america itself still left it negative!! I can not stay in the prejudice being cloned account of their clients or the system of the bank had flaws they are responsible yes and I want my money back. I ask you in this case to intervene against the bank of america to reverse this situation with which they put me without giving me documents that prove FRAUDE, even if there were the bank is responsible for the operation carried out in its banking system and not refrain from your system and tidying your way and throwing the problem to your accountant of one thing that did nothing wrong with any of your operations, for me, it makes clear the evidence of the facts to be two completely different and unfamiliar people and to handle everything as FRAUD!! so it leads me to believe that the problem is in your failing banking system and I can not be harmed and misled in this way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reporting inaccurate information.

19 Negative months reporting 19 30 days late. ( inaccurate ) ( invalid ) Opened : XX/XX/XXXX Balance : {$19000.00} unverifiable information 15 USC 1666b remove inaccuracy False report Not valid information is not valid through FCRA 15 USC 1681i ( 5 ) ( a ) ( i ) ( ii ) XXXX XXXX XXXXXXXX Balance : {$160.00} Date opened : XX/XX/XXXX, XXXXStatus Collection account. {$160.00} past due as of XXXX XXXX. 
False report and misleading representation, this is not my collection or have I signed any contract. 

XXXX XXXX XXXX Balance : {$380.00} Date opened XX/XX/XXXX Collection account. {$380.00} past due as of XXXX XXXX. 
False and misleading representation, this is not my collection or have I signed any contract.

There are inaccurate information that experian is reporting that is not my personal information. there should only be one name reporting to the credit bureaus please remove them.