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

Capital One continues to charge mean " Interest Fee '' for XXXX and XX/XX/2023. I called regarding this fee and the representative explained the credit card company carried forward interest from XX/XX/2023. I have an excellent payment history and pay the statement in full each month. I expressed my due diligence to this recent matter and as an accountant noted how confusing it's billing statement is. My new balance is {$36.00} including the interest charge. I have called three times to correct this error after making two payments in XXXX of $ XXXX and was still charged. I expressed my concern over this business practice and will not be taken advantage of this credit card company for making all my payments in full. I was a loyal consumer to this company even paying off my car loan several years back. I do not trust Capital One as an entity any longer. Capital One has no integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a Revolving account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 XXXX on XX/XX/201XXXX XXXX Equifax XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I kindly requested Experian and XXXX to provide physical, verifiable evidence to substantiate the account 's existence and permissible usage but they did not. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2015, 21st Mortgage Company hired a third party subcontractor to illegally evict me and my XXXX children without a court order, then destroyed and illegally seized all of our belongings. 21st Mortgage Company failed to file and serve the proper notice. The subcontractor, intentionally causing emotional distress, anguish, anger, fear of an arrest, frustration, humiliation, embarrassment, when he purposely lied to the XXXX County Sheriff Department, purposely created a hostile environment. When I notified 21st Mortgage Company, unresponsiveness, unsuccessful attempts and due to our homelessness, caused me to XXXX. The subcontractor 's deliberate malicious destruction of my property, intentionally reported to the sheriff 's deputy that I was trespassing.While I was removing my property from the home, after being told by 21st Mortgage Company that they would give prior notice. My youngest son and I was forced to watch the subcontractor and his workers steal everything WE own, forced to watch them take away the memories of my family, throw my property on the back of truck. 
The subcontractor lied and information was not disclosed clearly and it was misrepresented. The mortgage company 's unfair business practices, stealing everything I own, selling the property with my ceiling fans and light fixtures, I need help getting my property back, due to their deceptive practices. The mortgage company was completely aware of my situation, I also notified their attorneys, and they have refused to investigate my claims, respond to my complaint filed through their internal website. I did not abandon my home, my home was still filled with my furniture, this was not an abandon property, lighting struck my air conditioning unit, I did not have the money to get the unit fixed, did not have the money for utilities, nonetheless the property did not meet the criteria of an abandon property according to SC State Statue. Please send me an email address to send copies of my records. I look forward to your reply and a resolution to my problem.
Product: Mortgage

I paid was paying PMI i was talk into taking saying it would lower the cost of my loan. Which was not true. I could put 20 % down. I paid down the principal down in XXXX and XXXX to 22 % by law PIm must be remove base on original appraised value. They are trying to make me pay fees. XXXXm only required to pay for a new appraised if i paid the amount to 20 %. the loan is now at 22 % equity. And they still have PMI include on my new payment..

This posted on the bank page in my account below What is Private Mortgage Insurance ( PMI )? 
Private mortgage insurance ( PMI ) is paid by borrowers when they take out a mortgage and pay a down payment of less than 20 %. The purpose of PMI is to insure the mortgage for the lender in the event the borrower defaults. Private mortgage insurance is typically paid as a portion of your monthly mortgage payment, in addition to your principal, interest, property tax, and homeowners insurance. To remove private mortgage insurance, you must have at least 20 % equity in the home. When you have paid down the mortgage balance to 80 % of the home 's original appraised value, you may ask the lender to cancel private mortgage insurance. When the balance drops to 78 %, the lender must cancel private mortgage insurance.
Product: Debt collection

XXXX XXXX XXXX  XX/XX/2021 Inquiry XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX  | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry
Product: Credit reporting or other personal consumer reports

I had XXXX loans through this company one opens XX/XX/2023 which was paid off and closed XX/XX/2023 and another loan opened XX/XX/2023 and closed XXXX. Both were completely paid and closed, yet the company was still reporting as opened and full balances. I have been disputing this loan from XXXX since XXXX and the loan from XXXX I have been disputing since XXXX. Once disputed all credit agencies then adjust it, only to have XXXX  loans ( which reports under XXXX on my reports ) come behind and report account as reopened or having a balance repeatedly for the past 5 month ever single time its fixed they come back after to report negatively and inaccurately. I feel they are doing this to make me ineligible for other loans at better interest rates and force me back into XXXX % interest loan with them! They currently are reporting a loan closed in XX/XX/2023 is closed but has a full balance, when it was just fixed correctly XXXX weeks ago, they have caused me thousands of dollars by forcing my home loan to be pushed back months please take action against this company.
Product: Debt collection

XXXX XXXX did not follow California Law where a consumer is given the opportunity to dispute a debt. There is now a Collection Status on my credit report, negatively affecting my credit score. In XX/XX/XXXX& XX/XX/XXXX, the account was under investigation with XXXX, but the results were considered 'Verified As Accurate ' after the second dispute.
Product: Debt collection

I found on my credit report that a collections account has been opened under Contract Callers for a debt owed in the amount of {$1000.00} as of XX/XX/year>. I reviewed the information and found inaccuracies in the claim, and I have no record of such an account or transaction in the months they claim an account was open and past due with XXXX XXXX XXXX  XXXX. Therefore, this debt is not valid or correct. I contacted the original creditor and they directed me to the collections agency, which has yet to provide proof to validate this debt. I will be disputing this charge immediately for inaccuracy.
Product: Vehicle loan or lease

In XX/XX/2024 I received the TD Auto statement. It showed that our XX/XX/2024 payment had not been received when my financial institution showed that TD Auto had received the payment and funds where withdrawn from my XXXX. My XXXX provided me with information showing that TD Auto had processed the payment. I provided TD Auto with copies of my XXXX XXXX  communications with tracking number to show TD Auto had received the payment. I have contacted TD Auto at least six times and each TD Auto states " can't find payment. '' On XX/XX/2024 I submitted another payment for XXXX payment and TD Auto has charged late fees when my XXXX shows TD Auto has received and process the payment. TD Auto 's CSRs place me on hold and don't resolve the problem.
Product: Credit reporting or other personal consumer reports

CONSUMER ADJUSTMENT CO XXXX XXXX, MO XXXX Date open : XX/XX/year> Original amount : {$280.00} Balance : {$390.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit card or prepaid card

I have been trying to resolve a problem with the merchant and Discover credit card company for the past XXXX months. I made a purchase of XXXX drones from XXXX XXXX XXXX, a XXXX company, from an ad on XXXX on XX/XX/2020. 

The initial purchase for XXXX drones appeared not to go through, as there was no acknowledgement or email, so I ordered, again. I also sent an email to the merchant telling him to please cancel XXXX of my XXXX purchases. 

The merchant replied with an email, directing me to call a telephone number, which I did, but it appeared out of order. I sent another email telling them it is out of order, and they sent me an identical email telling me to call that same number. I called the number several times over the next several days. I googled the merchant and found horribly negative reviews, making it sound like a scam. 

I became suspicious, and notified Discover card of the problem I had reaching the merchant. I requested that they not pay the charges. They told me to wait until the charges came through, and then they could deal with it. They did gave me another number to call for the merchant, and it, too, did not answer. 

I filed a complaint and later received a notice from Discover that they would not credit my card because the charges were valid based on information provided by the merchant. I took a deep breath and sent them the attached letter and emails. After they reviewed the letter and emails, Discover sent me another denial. 

I couldn't believe it and called to speak with the Dispute department, today, and was told that the only way they could get my money back was to have something showing that the merchant had authorized the return, which wasnt possible since I could not reach the merchant. I had to ask her to repeat herself several times that she said she could not help me further until she receives something from me that shows that the merchant agreed to refund my money. I tried to explain that it was impossible since I couldn't reach the merchant. 

As a side note, at XXXX point, late in the conversation ( argument ), she told me that the merchant give XXXX days to return the product for a refund. I had notified the merchant the day after the purchase. 

At another point, Im sure she said that the merchant had agreed to a refund if I returned the product. Once again, I was flabbergasted. I have been arguing for half an hour, and that was all that I really wanted. I told her that was acceptable, but when I tried to address it later in the conversation, she ignored me. 

Lastly, during my previous conversation with Discover, I told them that the drones were not Blackbirds, as was identified on the advertisement. I told her this was fraud. But when I brought up the issue of fraud, she told me I was not allowed to file a dispute of any kind on the same claim, even for fraud. So we are also dealing with deceptive marketing practices, I would think. 

Thank you for your time and consideration. I hope to hear from you soon. 

XXXX
Product: Student loan

I 've made payments to Navient on time each month. They were suppose to be allocated to my student loans XX/XX/XXXX. They have processed my payments incorrectly for three month. They then sent me to collections and said I had not made my payments. When I called and provided each confirmation code for each payment they said they would open a ticket to resolve the issue. They confirmed I was correct, but have not updated my account. They said I could declare forbearance to make my account current and it would be quick and not harm me. I declined the offer to declare forbearance since each payment I submitted was correct and I have the bank statements to prove it. I also have the confirmation numbers. Since XXXX I have been battling with them to update my account. I have several tickets in and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

15 USC 1681 A. section 602A. States I have a right to Privacy.

15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from Experian and XXXX dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character.

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello I paid off my balance with Comenity bank XX/XX/2023 I was in agreement with them to close my account after I paid everything I owed they did not close my account & now I owe them {$100.00}
Product: Debt collection

This company : Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA. XXXX phone XXXX has attached a debt to me of which I have denied paying them, simply because I have never done business with this company. This company is fraudulently attempting to collect money from me. I have never signed any contracts with this company. I do not owe this company any money or services. On my credit report they are listed as the original creditor. This is not only fraudulent to report, its not facts. I have notified them I will not pay this illegally charged debt and I request for them to cease and desist all attempts to collect and reporting onto all three credit bureaus, XXXX, XXXX, and XXXX. The Alleged amount owed is {$420.00}. Back in XXXX  I informed them of no such debt or contract and to stop harassing me. This company has mailed me letters and reported this debt as a negative onto my credit reports. This has greatly impacted my ability to handle certain business and daily life.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts contain inaccuracies regarding reporting, including inaccurate amounts and dates.
Product: Credit card or prepaid card

I was denied from opening a credit card with chase. Although I have never missed a payment, have over 6 years of average credit and have a 0 balance on over {$10000.00} of available credit. 

My income is over {$100000.00}. Am I being denied because of the zip code i live in?
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
NATIONAL CREDIT ADJUST is reporting I owe a debt of {$430.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Credit card

capital one ... .would make my payment for the month due ... it would show paid on line and when I would check my account and the money would still be there ... they will then then next month say im one month behind so I would pay for two months ... ..The money still will not be taken. then capitol one would say yes it it ... ..then I tried to pay by check..no good debit card still the payment would not be taken out of my account ... .so I stop trying to pay capitol one account..then they start adding all these late charges the mail they send say XXXX late fees then I look at my credit it say XXXX I need help with being treated fair.. they double the payment amount but this all started when I spent up the money on the credit card ... I feel when I ran the card up they blocked the payment ..so my credit score will be bad ....
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate ; Account XXXX XXXXXXXX XXXX Account # XXXX
Product: Debt collection

The original creditor is XXXX XXXX XXXX XXXX. The collection is in regards to a membership that I requested to have canceled due to a dangerous situation that happened at the amusement park. I reached out to the corporate office and was completely disrespected and talk to the email as if they just didnt care about the situation. They place the account into Collections. The collection agency is CACI. I reached out to the collection agency to explain to them that I havent even had a fighting chance to resolve this matter, directly with XXXX XXXX, and at this point they are reaching out to me in regards to the collection, and I did not get a fair chance to fight this with the original creditor. The membership was to be paid for the full year each month but because I requested to cancel the membership because I did not feel safe with my family and I going to the park any longer. They told me that did not matter and theyve upped the security, and thats all that does matter. I explain to them that its not fair to have to pay on a membership when I have no intentions and have not been back to the park since then.
Product: Checking or savings account

some one hacked my IP address and made a quickpay account under my bank account and sent someone I don't know money. I did not authorize this nor did I create this account. Chase admits that they don't track IP address that were hacked and denied my claim without doing thorough investigation. I DID NOT CREATE THIS ACCOUNT NOR DID I SEND SOMEONE I DONT KNOW MONEY. They also admitted that they did not contact the other persons bank or them to resolve it.
Product: Debt collection

I made a purchase on XXXX. Before making the purchase I contacted XXXX and I asked clarifying questions about the item I was purchasing. I won the auction on XX/XX/XXXX and I receive the items I was expecting. paying the listed price of {$39.00} dollars. I received the item in a reasonable amount of time. I was contacted by XXXX XXXX on XX/XX/XXXX, telling me that they shipped me the wrong item and that I need to ship it back or they were gong to charge my credit card for {$300.00} dollars. I felt like I received the correct item, and I no longer own the item to ship back. I offered multiple mutually beneficial options for us to resolve this issue. They were not interested in a resolution that was reasonable. They turned an amount of {$250.00} dollars over to IC Systems, a collection agency out of XXXX XXXX, MN. I feel like this is a ridiculous situation and an abuse of the debt collection process. I never agree to pay more than the listed amount in the XXXX auction. What is keeping XXXX from continuing to do this to other people. This feels like a textbook bait and switch some how. I just want to know what my rights and obligations are in this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  opened XX/XX/XXXX for the amount of {$970.00}. I sent XXXX certified letters to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in detail that I never opened up a XXXX XXXX XXXX  but they have not taken any actions to remove this from my credit report. 

XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. I sent XXXX certified letters to the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to verify I did not open this credit card they have not removed fraudulent charges from my credit report XXXX incorrect Hard Inquires from XXXX and XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX received 7 calls from rep XXXX regarding past due bills on XXXX the XXXXXXXX XXXX XXXX account. He proceeds to call my job and my mother who lives out of state. According to the Fair Debt Collection Act, this is a form of harassment. I would like these phone calls to stop and all communication to be limited to one call a week on my personal phone number that was provided and those calls to be after XXXX XXXX. I do not authorize contact to be made with my relatives or employer. The amount of phone calls is excessive and harassing.