23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a new XXXX XXXX credit card on XX/XX/XXXX. On XXXX XXXX, I used this card to make purchases online and my husband made a purchase in a store. The card was frozen and the store said it was denied. At that time, I called Capital One to ask what the issue was and after a 9 minute call, was told that someone would call me in 7-10 days. Per the website, I should have received a text notification immediately to confirm whether or not I made the charge but I did not receive any notification despite my phone number being attached to the account. No one called me back. My card remained locked and unable to be used. On XXXX XXXX I called Capital One again to ask what the issue was and after a XXXX minute call was told someone would call me back. No one called me back and my card remained locked. I called again on XXXX XXXX  and after XXXX  minutes (!!!! ) I was told someone would call me back. Finally, someone called me back that day to ask if I had made the charge on XX/XX/XXXX which I confirmed again, just as I had on the day when I called that day, that yes, I did make the charge. They finally unlocked the card after XXXX  days. When I said I should not be paying the full {$390.00} annual fee as I wasn't allowed to use the card for over a month, spent over an hour of my time trying to reach someone to fix the issue, not receiving the notification I should have per their website, not receiving the calls back I was promised multiple times, and not being able to unlock the card " easily '' as is also promised on the website, they said they can't do anything about it after another XXXX minutes on the phone. I called back again to discuss with a Customer Service XXXX on XX/XX/XXXX and after XXXX minutes was told again, they would not do anything to reduce the fee even though they followed none of their own rules. At this point I paid the balance that I owed less the annual fee and closed the account. I called again XX/XX/XXXXXXXX XXXX XXXX  to speak with a Customer Service XXXX after their multiple attempts to collect the fee to ask again if they were willing to reduce the fee and was again, told no. Ultimately, they did not following their own rules and are not honoring the promises made on their website nor verbally by the multiple customer service reps I've spoken to. I should not be paying an annual fee on a card that was unusable.
Product: Student loan

I have been paying on my student loans since XX/XX/2016. I have been enrolled in the Public Student Loan Forgiveness ( PLSF ) program since XX/XX/2016. XXXX XXXX XXXX is improperly tracking payments. They have tracked 12 payments for me since that time. I have called to get adjustments and they have failed to do so. When speaking with a representative they say all my payments have been tracked. i have made 31 payments and followed all the re-certification required. XXXX XXXX XXXX is not abiding by the program rules and in tune not tracking payments. 

I attached statements to show the improper tracking over the last year. I am not able to retrieve earlier statements.
Product: Credit reporting or other personal consumer reports

Spring Oaks Captial has a collection listed on my report that is past the statute of limitations allowed by the FCRA. The account in question from the original creditor, went delinquent midyear XXXX. As of this date, the account in question is past the 7-year limitations provided by the FCRA. I have disputed the account with the creditor, and they verified everything as accurate, but noted they changed the date on the account to XXXX XXXX XXXXXXXX. If a change was made to their records, obviously it can not be verified as accurate.
Product: Credit card or prepaid card

It says i have {$1200.00} in credit card debt, so i made a afidavit because i did not apply for any credit cards
Product: Bank account or service

Ally Bank is scamming customers with a history of overdraft issues. Only with people with a history of overdrafts in the last 6 months find themselves in this situation. If I know I need to make a deposit in order to cover a debit, when I make a deposit, they will go from the standard 1-2 business days before the funds are available to 5 business days for those that have a history of overdrafts. It seems they are doing this intentionally in order to force a person into an overdraft situation in order to glean overdraft fees.
Product: Mortgage

Last spring after XXXXovid hit there was an offer for loan forbearance due to the pandemic. I applied but initally I did not need it until after I got furloughed then I used 3 months of the forbearance for XXXX, XXXX, and XXXX. My mortgage payments at the time were XXXX per month with XXXX being principal and interest. In XXXX I got a escrow review notice saying I owed XXXX for escrow shortage and had to pay the full amount or my mortgate payment would go up to over XXXX. I called the company and explained that I didn't think my taxes went up XXXX per year. They did another review and came back later with another escrow review giving me a refund of over XXXX and my mortgage payment was changed to about XXXX. All well and good. Then I noticed that my " unpaid second principal balance '' from the forbearance was listed as over XXXX. I believe the escrow issue was folded into my unpaid balance since the amount actually unpaid was less than XXXX assuming escrow was included, and less than XXXX if its only principal and interest. I waited awhile, until around XX/XX/2021 figuring it would get sorted out now that the escrow was fixed. It never changed so I called the company and explained and they said they would get back to me in a week, I waited a few months until XX/XX/XXXX and called again, was told again they would look into it and gave me a direct number to call back for a status. i waited a month until XX/XX/XXXX and this time I was transferred all over, explained the issue several times, no one I spoke with could even confirm if the issue was reported in their system and nobody seemed to know if anybody was even working on the issue and eventually I was put on hold and then the call was dropped. I have no faith in their customer service to do anything for me at this point so I am making this complaint.
Product: Debt collection

This Company is Reporting fraudulent inaccurate information on my Credit Report. I am requesting that they provide the Purchase Agreement to Show Full ownership of both accounts and other documents so I may review for myself if these Accounts actually Belong to me.
Product: Credit card or prepaid card

It all started when i received word from XXXX XXXX, my credit monitoring company that the XXXX XXXX XXXX ( XXXX  ) had pulled my XXXX  report on XX/XX/20 regarding an application submitted fraudulently in my name for the XXXX loan. I called the XXXX that same day and reported the application as fraud. Today, XX/XX/20 i received a debit card from Paypal to provide a way to deposit funds for government assistance. To me the two are related. I attempted to call Paypal to get the account closed but i am getting redirected to their website as they seem unable to take calls regarding this matter. When i go to Paypal 's website i am being told the only way i can submit a form for them to contact me to close this account and address this matter is by logging in to my paypal account, which, i don't have. I refuse to make an account for this matter as i don't want to further incriminate myself. I need help with getting this debit card closed, i do not want it and do not take responsibility for any funds associated.
Product: Checking or savings account

Everytime i open an account they close it i just had 2 or 3 accounts last year which was 2022 i couldn't never get a good answer why they kept closing my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint relates to the Equifax data breach. It has been reported that our very private financial information was not encrypted. Is this correct? Why ca n't we reach someone at Equifax via phone or email? Am told by automated system they can not process request to freeze credit. Same response from XXXX, and XXXX Have called all agencies twice, and emailed Equifax without a response. Why are n't we getting direction from The Consumer Financial Protection Agency. CFPB has been silent. We need to know what to do NOW! Why is n't there a crisis protocol when over 140 million are affected? Should remove " protection '' from your name.
Product: Debt collection

I have repeatedly ask for this medical debt collection company to report my accounts as paid on my credit report. But, to no avail. I had several medical debts that were listed as collections on my credit history. I paid off these debts several months ago but they are still listed as open collections on my credit report. It seems unfair how a debt like a medical debt is so hard to get removed once they appear on a credit report. Medical Professional Collection Services, MPCS in XXXX XXXX, XXXX, IN XXXX TEL : ( XXXX ) XXXX ( XXXX ) XXXX FAX : ( XXXX ) XXXX The debts were for XXXX. 
The collections damage my hope of increasing my credit score. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested an investigation into inaccurate accounts with EXPERIAN on XX/XX/23. Experian responded that they received my request on XX/XX/23. I have waited 31 business days and yet there are still NO results.
Product: Mortgage

Mortgage bought out XX/XX/22. They have screwed up my payment every month by continuing to send the wrong account number. I have talked to at least 4 people giving and re-giving the correct number yet every month it is returned for incorrect account number by my bank. Today the person helping me said they only see one request for account number change, I have made 4-5 on the phone, changed it on the online site and even sent forms through to the mail. I have never had this type of problem before and feel that this could eventually damage my credit or that I am at risk for loan issues in the future. Also I get no timely correspondence and have to just monitor my account for payment confirmation.
Product: Debt collection

On XX/XX/XXXX I was looking at my credit report and noticed that XXXX XXXX sold an outstanding bill of {$470.00} to Credit Collection Service and it was really hurting my credit. I contacted Credit Collection Service and a customer representative identified herself as XXXX. I explained to her that I do not know why XXXX XXXX would submit this to them when I have to pay monthly and if I do not pay then they lapse my motor vehicle policy. Anyway, I decided to go ahead and negotiate to have it removed from my credit report and the customer representative told me they could not remove it from my credit but would accept {$280.00} as PAYMENT IN FULL and to have it reflected on my report as PAID IN FULL with a {$0.00} balance. I really wanted it removed but she insisted that it could not be removed but would reflect PAID IN FULL {$0.00} balance. I took a look on my credit report today XX/XX/XXXX and noticed that they deducted the {$280.00} from the outstanding bill of {$470.00} and renew the balance of {$190.00} as a new debt. This is grossly dishonest and I really would appreciate your assistance in this matter. They have further damaged my credit by not report the debt as PAID IN FULL {$0.00} balance as promised and instead posted a new debt with the balance of {$190.00}. The customer service representative provided the following information : CONFIRMATION OF PAYMENT : XXXX # XXXX - CUSTOMER REP : XXXX Any assistance provided would be greatly appreciated. I am hoping they recorded the conversation.
Product: Mortgage

XXXX had problem at end of year with this mortgage company regarding paying Taxes on time. 
XXXX problems again ; received letter dated XX/XX/XXXX from them stating we had an escrow shortage of {$570.00} to be paid before XX/XX/XXXX if not monthly payment would increase to {$990.00}. If shortage was paid the new monthly payment would increase to {$950.00}. We sent a {$600.00} ( XXXX extra ) payment to cover escrow shortage and received by company on XX/XX/XXXX. 
XXXX {$950.00} bank payment adjustment was not done by us so our bank sent the regular {$920.00} payment on XX/XX/XXXX. On XX/XX/XXXX we contacted mortgage co. to inquire about our missing statement and were informed reason was due to failure to pay mortgage in XXXX. We told them payment was done but we were told we were short {$26.00} on that payment and {$35.00} late fees ( total XXXX ). Contacted our bank and wired {$100.00} payment ( {$38.00} over ) they collected on XX/XX/XXXX. They also cashed our check # XXXX on XX/XX/XXXX adding an extra of {$900.00} to principal and {$300.00} to escrow. 
On XX/XX/XXXX they received the disputed new payment of {$990.00} for XXXX while waiting for clarifications. The XX/XX/XXXX statement charge us again {$990.00} and {$9.00} late fees. Now they say our new payment is will be {$950.00} starting XX/XX/XXXX. 
They sent us a check for {$97.00} supposedly of escrow excess ( not cashed in ), we paid {$600.00} plus {$300.00} ( total {$900.00} ). According to their XX/XX/XXXX escrow review the shortage was {$570.00} ( we paid {$320.00} extra to escrow ). The new monthly payment with shortage payment stated on their letter to us would be {$950.00} not {$990.00}. Why the difference of {$47.00} a month for XXXX months ( total {$140.00} ). 
XXXX dated XX/XX/XXXX from them to XXXX states our payment will go to {$950.00} on XX/XX/XXXX based on a payment of {$990.00} on XX/XX/XXXX. We paid {$600.00} to cover the escrow shortage so, what happened to the {$950.00} payment? 
XX/XX/XXXX payment made to them : {$920.00} plus {$100.00} total {$1000.00}. If the new payment was {$950.00} and late fees {$35.00} we over paid, I guess they are charging us the late fees to {$990.00}. They are not in compliance with their own estimate XX/XX/XXXX payment, again according to their projection new payment after shortage was paid would be {$950.00} but we were charged {$990.00} we paid and received by them XX/XX/XXXX. 
XX/XX/XXXX payment was charged {$990.00} plus {$9.00} late fees. 
We already contacted them by phone and disputed the {$990.00} payment instead of the {$950.00}. We also sent a certified letter disputing escrow account and the new {$990.00} monthly payment instead of their initial {$950.00} if shortage was paid, they acknowledge receiving it XX/XX/XXXX. 
If they can not manage properly the escrow account we have no problem paying our taxes and insurance on time but first we want them to follow their own estimates a give us the proper credit ( {$900.00} paid to escrow account ) and adjust the monthly payment. We are not planning to cash the check they sent us for {$97.00}.
Product: Credit reporting or other personal consumer reports

There is a sale date on my home. This has been a struggle with XXXX XXXX Despite multiple request, they have yet provide me with what months that I missed payments that put my account 120 days behind. I requested this multiple times and all they have sent spread sheets that reflect no missed payments. I need this information to present to my counsel and they refuse to do so.
Product: Credit card

On Tuesday, XX/XX/XXXX  I called XXXX XXXX and made a final payment of {$510.00} and I requested a paid in full letter. On Saturday, XX/XX/XXXX  I received a letter from XXXX XXXX that {$65.00} was charged off, I called XXXX XXXX inquiring about the framing of the letter and it appearing as if only {$65.00} was paid to them on XX/XX/, XXXX XXXX stated that I would have to call back after the Holiday as on one was in the office and they say they can not find any record of my payment top them although XXXX of XXXX XXXX, California confirmed he could see the payment on his end and I had been provided a confirmation number of XXXX and an email ID of XXXX : XXXX, they say they can not find the record and makes it appear as if {$510.00} was not paid to the. The company seems to be conducting fraudulent business practices.
Product: Credit card or prepaid card

My wife and I applied for a Chase Freedom Unlimited card back in XX/XX/2020 after receiving a prescreened offer. After applying for the card, we were denied due to too many recent requests for credit or reviews of your credit. The day that we received the denial letter, I called in and explained to Chase Lending Services ( I believe the person I spoke to was XXXX ) that we had just purchased a brand new 2020 XXXXXXXX XXXX from a local XXXX dealership and we decided to shop for a better interest rate. Please note that our credit score was a XXXX out of XXXX per Chase credit pull and the only negative thing on our report was the recent inquiries. She stated that this was what led us to being denied. I then asked for her to review the file and with her knowing this background information, please reconsider the application. Fortunately she was able to review the application and she was able to get us approved with a $ XXXX credit line. I thought we were good to go. 

XXXX never mentioned to us the interest rate on the card. My assumption was that it would match the rate that we received on the prescreened offer of 14.99 % which would begin 15 months after the account opening as the card has a 0 % introductory rate. To our surprise, the card pricing information stated the rate would be 23.74 % after 0 % for 15 months ends. 

I have attempted to get this corrected by Chase multiple times. Tonight was the last straw as I spoke to three different individuals and was treated very rudely. One even suggested I keep the card for the 15 months and then immediately cancel. No one seems to want to help correct the interest rate issue.
Product: Credit reporting or other personal consumer reports

Experian miss used my data and did not deal with my credit dispute after I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the accounts below belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX   XXXX  had a no interest money back guarantee  with Wells Fargo. T he guarantee was if the  XXXX   XXXX  and product did not work properly then return the   XXXX    XXXX  for full refund. I returned the  XXXX   XXXX  because I was told by  XXXX  that my   XXXX   XXXX   were too small and could not work properly.  XXXX  agreed that the   guarantee was not met and thus they would take care of debt with Wells Fargo.
That is the last I heard of it. I do not owe Wells Fargo an  y money for   XXXX   XXXX    XXXX  in  2014 .     Further, they have and continue to violate  my HIPAA and PHI rights by communicating information protected under HIPAA to many third parties that have not right to any of my protected Medical Information. They have communicated this HIPAA vio lation while I have been on the phone and they are communicating to a third party without my authorization.      XXXX  also continues to communicate with third p a  rties and violate my HIPAA rights. Now we have our attorney working to correct and protect my PHI and HIPAA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and Transunion has failed to provide documentation proving otherwise in the time allotted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my Equifax, XXXX, and XXXX credit report : Account name : XXXX XXXX XXXX  Acct number : XXXX Date open : XX/XX/. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Mortgage

Loan was originated by XXXX XXXX in XX/XX/XXXX, it had come to my attention that the loan was then purchased by US BANK HOME MORTGAGE I have sent multiple letters dated back in years XXXX, XXXX, " no answers given '' validating the requests. Most recent letters sent XX/XX/XXXX NOTICE AND DEMAND FOR FULL DISCLOSURE, XX/XX/XXXX ACTUAL NOTICE OF FAULT SECOND NOTICE, XX/XX/XXXX NOTICE OF ADEQUATE ASSURANCE OF DUE PERFORMANCE, XX/XX/XXXX, NOTICE AND DEMAND all letters were sent certified with returned receipts. They have in fact signed and received said documents. Pursuant to the Fair Debt Collection Practices Act 15 USC 1601-1692 which constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay. US BANK HOME MORTGAGE has declined to answer any letters that I have sent. I am demanding that they provide me with all documents. According to 15 U.S.C. 1692 ( e ) states that a " false, deceptive, misleading representation in connection with the collection of any debt, '' includes the false representation of the character or legal status of any debt and further makes a threat to flag any action that can not legally be taken as a deceptive practice. I have also come to my attention of the alleged Borrower, after consulting with a CPA and researching the United States Code, the corresponding Code of Federal Regulations, the Uniform Commercial Code, and certain Federal Reserve Bank Publications, that there is reason to believe that the alleged Lender is not the Holder in Due Course of the Borrower 's loan agreement and or may have breached the agreement concerning the above - referenced, alleged loan or loan of credits. Failure of this company to answer my notices tells me that they have acknowledged that I have funded the alleged loan and the loan agreement was stolen and forged, thus ending any claim they have against me.