23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Capital one has left much unauthorized hard inquiry on my XXXX  credit report without my authorization after reviewed my XXXX  report a few days ago i found there is suspicious activity on the report si i called and report fraud alert and report identity theft CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my equifax Credit report theirs is negative items that it 60 days late my social security number is XXXX last four digits of the account is XXXX. It'd a fraud account I filed a federal trade commission identity theft report on file and also I'm disputing all 25 hard inquiries that are also fraud
Product: Credit card or prepaid card

I was charged interest incorrectly for purchases made using a Wells Fargo Retail Services card. I am not going to name the store because this isn't their fault. 

I made a purchase on XX/XX/XXXX which qualified for 0 % interest for 36 months. 
I made payments as expected until XX/XX/XXXX when I made an additional purchase in the amount of {$990.00} which did not qualify for 0 % financing. In order to avoid paying interest I made a payment for the same amount of {$990.00} on XX/XX/XXXX. I had already made a payment during that billing cycle on XX/XX/XXXX to cover the minimum payment so this payment was in excess of any minimum. 

According to the CARD act of XXXX payments in excess of of the minimum must be applied to the highest interest debt first. 
According to Wells Fargo their policy is if the statement cycle hasn't closed they apply the payment to the balance from the previous statement. So they applied my payment to the 0 % balance paying it off and began charging me interest on the account at 28.99 %. Regardless of statement cycle the payment should have been allocated to the debt which is being charged at the highest interest rate. In this case the newest purchase which would receive the cards standard rate of 28.99 %, not be applied to the balance not currently being charged interest. This was not during the last two months of the promotional balance. The promotional balance did not expire until XX/XX/XXXX. 

I contacted Wells Fargo on XX/XX/XXXX to request a correction, and they indicated they would " see what they can do ''. However, this policy is a clear violation of the intent and protections of the CARD act. I am submitting this complaint to prevent myself and others from being violated like this.
Product: Mortgage

I have a mortgage w ith Ocwen. T o begin with, they appraised my house about {$30000.00} more than it is appraised at today. In  XXXX , I have a balloon payment of {$50000.00} which I do not have. I am trying to refinance with another lender. For a VHA loan, the appraisal and credit are fine but they discovered that my house could possibly be less than  300  feet from a gas station across  XXXX  he street from my home. I am currently in the process of having this surveyed. W e have also considered a convential loan but it appears that Ocwen shows I have  XXXX  late payment. I had a bankruptcy discharged in  XXXX . I paid off a second mortgage with Ocwen in   XXXX  . Although I think I have the problem solved w ith Ocwen, t hey would continually not send my payment coupon. I would call them and after talking with several different people, I convinced them that the bankruptcy had been  discharged ba ck in   XXXX  . They kept saying I had another bankruptcy in  XXXX  which is totally false. There was never any real property included in the bankruptcy. Unfortunantly this late payment report blocks getting a conventional loan. Do you have any help for this? Thank you!
Product: Checking or savings account

On XX/XX/2022, Truist Bank received a check the amount of {$1300.00} and return the check back to the Mortgage bank without placing my overdraft protection in place. Truist Bank didnt give me an opportunity to see the check in the bank, Truist Bank didnt place my overdraft protection in place and give me by the end of day to to transfer the remaining balance to cover the check before they sent the the check back. On XX/XX/2022. It was {$800.00} in the account. Instead the Truist Bank turned my overdraft protection off turned my email notification off and sent the Check back to the Mortgage Company then sent a notice of overdraft letter to my address a week later after the XX/XX/2022. 
For years Ive been with Suntrust and never had a problem with Overdraft Item because of the Overdraft Protection protected my account and always gave me opportunity to put the remaining balance back into my account. I can show my bank statements that will show my overdraft items and how by the end of the day I deposit the negative amount into my account to make the account positive. If the Truist Bank wanted to do any changes to my account I they should of contacted me by letter or email and gave me opportunity to decide. Truist Bank did not do nether. As a consumer I should be protected against unfair bank practices.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to XXXX Honda , requesting an investigation into an unauthorized inquiry on my XXXX credit report dated XX/XX/XXXX. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing XXXX Honda to perform a credit inquiry for the purpose of extending credit.

Despite my clear and thorough request, I have not received any response from XXXX Honda . According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that XXXX Honda has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Product: Student loan

After I submitted my IBR annual re-certification with FedLoan Servicing, my monthly payment was reconfigured and raised to higher amount, due to my increased income. After two months of continuing my automatic monthly payments, I noticed on my XXXX XXXX, 2017 bill, that I was being " direct debited '' the same amount again {$590.00}, but that my current payment due was only {$110.00}. I went back and noticed several months of statements that stated this.
I called Fed Loan Serving before my XXXX XXXX, 2017 bill was due to inquire about the difference in numbers. The agent told me that I had overpaid in XX/XX/XXXXand that I only needed to pay the {$110.00} for the month of XX/XX/XXXXand would stay in good standing and the payment would qualify for PSLF. I double checked with the agent to ensure this was the case, which he again informed me of these facts. I asked the agent to turn off my monthly automatic debit payment for the month and informed him that I would turn it back on after XX/XX/XXXXso that the account would be back to monthly automatic payments, qualifying me for the monthly interest deduction again. After ending the conversation with the agent, I made my payment online for the {$110.00} payment due.
On XXXX XXXX, 2017 I received an electronic notification that my account was past due and now delinquent. I called on XXXX XXXX, 2017 at XXXX to inquire about the status. The agent told me that the statement was not correct and that what was actually " due '' each month is the direct debit amount, not the " current payment due '' amount. I explained the situation twice with her that I had called and asked about it, to which she agreed that I had in fact called and received that information. She verified I had been overpaying since XXXX  2017 and that I " could '' pay the {$110.00}, but that she would have to " put in a request for that payment to be applied to the XX/XX/XXXX billing statement and bring your account into good standing '' but that " the payment would not qualify for PSLF '' because it was n't the amount of the " direct debit ''. I explained that this is not what the bill stated and that it was misinformation that was either told to me by the previous agent or that the billing statements are purposefully misstated. She apologized by refused to acknowledged that one or the other piece of information was incorrect or misstated.
I explained that I would be filling a CFBP complaint about this, as it seems to be a much bigger problem in how billing statements are created across many student accounts and thus would be hurting credit reports, loan standings, etc. She stopped apologizing and agreed to 1 ) put in the request and that it would be reviewed in 2-3 business days, and 2 ) restart my automatic monthly direct debit. I got her name, XXXX, and her ID - XXXX.
Please look into Fed Loan Servicing as this is probably a much bigger issues with billing statements for all students they serve by stating incorrect information on student bills in a way that purposefully misleads students into making overpayments or to cause delinquency when it probably should n't have happened.
Product: Debt collection

awhile before, unrecalled number, date, time, i received a call from what i believe scammer, who gave little information! 
then, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/2019 reported to collections account on my credit report, and intrusively observed all my information and invaded my privacy! 
Didnt verify any debt, pertaining to what, from whom, from origin! 
no rights, no contact, besides phone, of which, by phone, debt collector very quickly hung up, without answering any of my questions! 
XXXX paid by XXXX Credit card XXXX XX/XX/2019 settled {$1200.00} claimed debt for {$570.00} and deletion off of my credit report!
Product: Money transfers

I wanted to transfer {$73000.00} XXXX to my dad 's bank account in XXXX from XXXX. I went to the JP Morgan Chase branch and gave them the instructions printed from the receiving banks website ( XXXX Bank ), which are also attached with this complaint. The money was suppose to go through XXXX Bank XXXX. Transfer was done on XXXX XXXX. The money did not get transferred by the XXXX so I kept calling JP Morgan Chase to find out what was going on ... they kep saying I have to wait for 5 business days. Finally on the XXXX XXXX they said it was rejected by XXXX bank in XXXX for insufficient credit details. I requested the money to be refunded back. Since the XXXX I have been requesting my money back and they reply to me saying XXXX bank is not responding to their request for returning the money. Today is the XXXX of XXXX and my money is still not returned to it. JP Morgan Chase is not escalating the issue with XXXX Bank and I do n't know what else to do to get my money returned back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for credit I applied for. This prompted me to take a look at my credit. When I did, I noticed a lot of items that weren't familiar to me. These items are causing me a lot of issues ; personally and financially. I need these items removed from my credit for good so I can be able to get the things I need.
Product: Checking or savings account

Citibank offers a promotional bonus for meeting certain requirements upon opening a Checking account. I have met these terms and they are now claiming that I did not meet one of the terms. I have deposited the required amount ( {$15000.00} ) to receive the bonus ( {$400.00} ) within 30 days of account opening. Citibank now claims that the deposit was supposed to occur within 20 days. This is clearly a fraudulent claim. Every bonus offer they have made in the past or present has provided one with 30 days to make deposits. It appears that they are trying to scam me of the bonus by arbitrarily changing the requirements after the bonus is due.
Product: Checking or savings account

I was renting an XXXX XXXX XXXX on the XXXX floor of a house that was owned by an XXXXXXXX XXXX  that lived in XXXX. 
The wife, XXXXXXXX XXXX XXXX XXXX, rented it to me with no contract, for a low price. 
The husband, XXXX XXXX and their XXXX kids, XXXX XXXX ( from a previous marriage of XXXX 's ) and XXXX, XXXX, made up the family. I felt safe with them but should not have. 
XXXX and I knew each other because we were in the process of joining a co-housing community in XXXX XXXX XXXX. 
We were required to join a XXXX meeting every other week for 6 months with other cohousing members before being approved. 
Over time, for no reason other than XXXXXXXX XXXX ( he kept XXXX locked in the house and didn't want me, who demonstrated my fearless autonomy in the world, " educating her that women could be independent ) became more and more hostile and threatening to me. XXXX said, strangely, that I was trying to come between her and her children!!!! 
The undeserved hostility came to a head around XX/XX/XXXX when I became so afraid that I had to call the police. 
XX/XX/XXXX They told me to evacuate the apartment and house, which I did taking only my computerXXXX XXXX XXXX and the clothes I was wearing. 
This is how I lost my American phone and number which I used to verify my identity to Citizensbank in XXXX. I used my phone this way since leaving the XXXX XXXX XXXX XXXX 
I have not been able to verify my identity since XXXX so my Social Security and XXXX XXXX XXXX deposits have just been accruing with my not being able to withdraw my own money that I've worked my entire life for. 
I am XXXX. 
I have worked tirelessly to get another unlocked XXXX and try to attach another XXXX  phone number to it for verification. 
I have tried installing a verification app on the phone I use primarily. 
I am very good at technology, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but neither I, nor anyone, nor the people at XXXXXXXX XXXX XXXX XXXX  ) nor anyone at Citizensbank nor anyone at any app company have been able to provide a way for me to verify my identity to this " bank '' so that I can access MY OWN MONEY!!!! 
I spent MANY HOURS trying and trying and trying!!!!
Product: Debt collection

Dear MediCredit, Inc Account # : XXXX I am writing in response to your recent communication regarding a medical debt you claim I owe. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting proper validation of this debt to ensure its validity.

Please provide the following documentation for the alleged medical debt : 1. The exact amount of the debt, including any fees or interest ; 2. The name and address of the original medical provider or creditor ; 3. A detailed itemization of the medical services rendered and corresponding charges ; 4. A copy of any agreement, contract, or authorization bearing my signature that demonstrates my liability for this debt ; 5. Verification of the debt or a copy of any judgment ; and 6. Proof that you,
MediCredit, are legally authorized to collect on this debt.

Until the requested documentation is provided, you are legally prohibited from : Continuing collection activities, including phone calls and written communication ; Reporting the debt to any credit reporting agencies ; Initiating any legal action regarding this debt.

Demand for Immediate Action : 1. Cease All Collection Activity : You are required to immediately halt all collection efforts, including phone calls, written communication, or credit reporting, until the requested documentation is provided.

2. Provide Debt Validation : Within 30 days, you must submit the legally required validation of this debt. Failure to do so will result in formal complaints filed with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA.

Failure to comply with these legal obligations may result in my pursuing legal action against XXXX XXXX for attempting to collect an unverified debt, as well as damages for violations of my rights under the FDCPA.

If this alleged debt can not be validated within the time prescribed by law, I will consider the matter closed and will request that all references to this alleged debt be removed from any credit reporting agencies.

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Product: Debt collection

He called and he started threatening me. He asked why I had n't paid for it since may when I said I did n't work and he called me a XXXX. He started saying that I was never going to have credit and that as a XXXX XXXX XXXX I cant even keep a bill that I was supposed to pay and that he could do it his self. He started calling me a bum and disrespecting me which is n't right never gave me the opportunity to say if I wanted to take care of it. I informed him that I do work.
Product: Credit card

In XX/XX/XXXX, an online purchase was made for {$40.00} at XXXX, but cancelled about an hour later verbally ( phone call ) and in writing ( email ). [ My daughter looked the company up and found it to be unreliable, so I cancelled immediately. ] The company responded in writing that the order was cancelled ; both emails have been retained. That same day the online company hit my credit card for nearly {$400.00}. Discover was called immediately and helped to remove the fraudulent charges. 
The Discover card that my wife and I opened in XXXX is a joint account - 2 cards with the same number- and since we spend responsibly, we don't tend to monitor each other 's purchases. My daughter recently noticed, while helping my wife with something, that XXXX had been charging our credit card - sometimes 4 and 5 times a month- since XX/XX/XXXX! 
We called Discover immediately. The agent on the phone was very polite and helpful- but then we received THIRTY individual letters in the mail- each with a different case number for each of the charges made in the current year. Each letter demanded that we provide documentation that each charge was not made by us. (!?!? ) How do you provide proof of an act that did not exist?? 
My daughter who taught law and worked briefly as a paralegal ) wrote a letter for us enclosing a copy of the original cancelled order email and documentation of Discover cancelling the original fraudulent charges with an explanation of the failure to notice the charges on our part. 
Two months later, we received 30 more letters saying our " proof '' was inadequate.

We have closed the account to prevent further charges and filed an FTC complaint against XXXX. 
Our issue with Discover is the passive-aggressive response to our plight ( 30 separate case mailings ) and their failure to alert us when the 1st charges came in from a company already proven to be predatory. [ Our experience with XXXX XXXX has spoiled us- they call immediately with any possible issues and always treat us with respect. ) We do not expect any action with respect to the fraud. Discover already paid them and we paid Discover, but we DO feel that this lack of care for their cardholders should be be documented.
Product: Student loan

I have been making qualifying payments regarding public service loan forgiveness since XX/XX/XXXX. The initial lender was XXXX XXXX   XXXX  XXXX. The lender was changed to XXXX XXXX in XX/XX/XXXX. The final change to the current public service loan forgiveness through the federal government was in XX/XX/XXXX. In that time they have been unable to correctly quantify/acknowledge the number of qualifying payments towards the public service loan forgiveness, despite having the account under review for over a year and a half. 
They currently have 61 payments accounted for, this does not account for the first three years of loan payments through the direct loan servicing center ( XXXX )
Product: Debt collection

Dear Equifax Dispute Resolution Department, I am writing to formally dispute the improper handling and investigation of errors on my credit report. Despite previously notifying you of inaccuracies, I have reason to believe that the investigation conducted by your organization was inadequate and did not comply with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  XXXX Under the FCRA, I am entitled to an accurate credit report and a thorough investigation of disputes submitted to your agency. However, based on the following, I believe my dispute was not adequately investigated : 1. Your response lacked detailed findings or explanations regarding the accuracy of the reported information.

I request that Equifax conduct a proper investigation into this matter and promptly correct the inaccuracies in my credit report. If your investigation determines the information to be verified as accurate, please provide me with detailed documentation and the method of verification used.

Please acknowledge receipt of this letter and respond to my dispute within the 30-day period required by the FCRA. Failure to address this issue appropriately may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I have sent updated personal information to experian, transunion, XXXX, about this address being reported inaccuracies like this ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at this address. Please delete this address from all Credit reports. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX  account # XXXX ( never been late, delete now. ) XXXX ) Affirm lnc. Account # XXXX ( inaccurate reporting, delete it now. ) XXXX XXXX XXXX XXXX credit account # XXXX ( inaccurate reporting, delete it now. )
Product: Vehicle loan or lease

Lease is ending and I wanted to buy the vehicle; was told that in Florida and North Carolina you must go thru the dealerships. None of the dealers would allow me to buy the car for the lease buy-out that is contractual ; they wanted to charge market price for the car. They required me to pay an extra {$3500.00} on a {$20000.00} buy out. I have a contract to buy for {$20000.00} but no dealership will honor and you can't buy directly from XXXX. 

THIS IS A CONSUMER FRAUD AT THE HIGHEST LEVEL.
Product: Checking or savings account

I closed my chime account due to hackers and was assured I would receive a check for XXXX it's been 3 months and now they tell me that since the account was closed I am not entitled to receive any money left in the account. Also the hackers somehow got access to the. Account and started a new account in my name. Chime gives me a different response each time I call and does not answer emails sent to XXXX.