23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

LOBEL FINANCIAL is reporting that my account is negative charge off. 
This negative INNACCURATE INFORMATion needs to be removed. I do not OWE this company any money. I NEVER LIVED AT THE ADDRESS XXXX which is associated to this account. This is an act of fraud please remove from my credit files..XXXX and XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a check from a company I was hired from in the amount of {$1200.00}. I didn't want the funds to interfere with my Social Security acct ending in XXXX so I opened a new acct. ending in XXXX and deposited the check there. The representative assured me that my acct XXXX would not be linked, hindered or touched in anyway. After the company requested that I show them I deposited the check in my bank, they asked me if I could go ahead and buy the equipment from them to start my job. Since I told them the bank held the money for 10 days I became suspicious. I called the XXXX  XXXX XXXX to make sure the check was good before I would touch any of my money I deposited and talked to the head of the financial dept. and I even have her direct line for any questions. She told me the check was a scam and after giving her all the information to help her catch these fraudulent people she commended and thanked me. I in-turned called Truist immediately on XX/XX/XXXX and relayed the information to them and told them to make sure no money or activity would go on in that new acct ending in XXXX. I also made sure I cancelled the debit card they would have sent me also. I made sure I was a vigilant and upstanding customer to help them in anyway catch this check and not be out any monetary value. Again I was very concerned about my acct. ending in XXXX since it is my lifeline. I can not live eat or survive without the money I receive from SS & SSI. On XXXX/XXXX I called the bank again because they placed a hold on both of my accts which totally put my into a panic since I was already dealing with a state of emergency with XXXX XXXX and in a shelter unable to accesses my good funds. The representative apologized and was able to release the hold they put on my acct ending in XXXX and helped me open a new online banking password and ID. Then made sure and promised me that would not be touched again. And the bad acct ending in XXXX will be closed per my request. A banking institution could not ask for a better client as myself since I have protected them the whole way with these fraudulent funds and company that got to me. On XX/XX/XXXX when I was able to return home I needed gas and money for food and necessities my acct ending in XXXX again was blocked. I had to wait to call at XXXX and the girl said they had made a decision to close my acct and will eventually send me out a check in the mail for my balance of {$220.00} taking 7-10 days and sending back my SS & SSI checks to the government! This time frame is unacceptable! I needed money immediately as I was in a state of disaster from the hurricane and that was all the money I had in the world and {$0.00} cash in pocket. I have received no correspondence from the bank to help me or let me know they would do this to me, giving no other alternative to get my money from the bank. Also now I will be extremely delayed on getting any of my Social Security Checks to further live on for many weeks.
Product: Checking or savings account

On XX/XX/2024, I deposited a check at a Bank of America ATM Machine in the amount of {$4000.00}. While processing my transaction, the machine malfunctioned in the middle of deposit transaction and did not return check nor credit funds deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter.

Sincerely XXXX XXXX
Product: Mortgage

Carrington Mortgage services returned my XX/XX/2024 payment twice. They would not accept secured payments from my bank. The last return was on the XXXX of XXXX which left insufficient time to get my payment processed before incurring a 30 day late. They would not waive the 30 day late reporting to the credit bureaus even though it was Carrington Mortgage services error.
Product: Mortgage

I applied for a loan assumption due to a divorce, which has taken loan care several months to reply. Loan care will not allow me to speak with any loan assumption specialist. They sent me a denial letter stating that I have insufficient history of income yet I have been in the same line of work for over 20 years. I have requested a callback Phone, email and Ive even gone as far as trying to contact officials via XXXX demanding a reply and nobody has answered me. In my initial loan assumption documentation that was provided to me I was charged {$400.00} and my credit was run. It took loan care several months for a reply. The initial rep that I spoke with said that I didnt need to add anybody on the loan assumption, documentation, all, although the loan assumption documentation said that I can add an immediate family member. They told me that I would qualify on my own since I originally qualified for the loan on my own. Fast forward several months later I get the denial. Now I am demanding to speak with somebody there and nobody is responding. I want to apply for my loan assumption again and if need be, I will add my mother whom is an immediate family member, which the original documentation stated that I can do and I want this done in an expeditious manner, and to be able to speak with somebody at loan Care.
Product: Credit card or prepaid card

Capital One Credit Card Services. 

Monthly payments towards the account are not applied correctly. 

Account is closed to unfair practices by Capital One. 

Earnestly, proactive in paying account. 

Due to traveling and business some payments are sent with correct Statement Pay date and amount to be paid. More often amount is paid more than minimum amount due. 

Subsequently, I am penalized for making payments for more money and sending ahead of the actually due date! Time frame XX/XX/XXXX - XX/XX/XXXX. Checks verify the month payment is made for as well as online payments. 



Erroneous late charges applied to account. Reporting to credit bureaus erroneous 30 day later. 

Spoke to several " Supervisors " with no satisfaction. 

My conclusion is Capital One scams the consumer by placing extra payment on their statements and applying them to the wrong month, charging late fees. 

I have documentation for all concerned complaints. Account Summary for payments is generalized and is not applied to correct months.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report. My Equifax and XXXX credit report is reporting a collection/charge off on my report from XXXXXXXX XXXX  XXXX which is indeed not my collection. It does not report on XXXX at all and would like this collection removed. It is not accurate.It is not linked to any address on my credit report. I disputed this with Equifax and XXXX plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage was transfered from XXXX to Valon Mortgage in XX/XX/2023, I have been making Doulble house payments for last 24 months. Previous mortgager always applied anything over the normal payment to Principal. Valon from the very first payment each month has misdispositioned my funds to Escrow or appling payment to future payment interest and escrow instead of appling it to directly to that months principal. I have to watch the paperwork and have had to call everymonth to redisposition the fund to principal. I dont believe i should have to. As a matter of fact I wonder how many other people they are doing this same thing to. Please contact me back with any information you can give me.
Product: Prepaid card

I received AMEX pre paid gift card from work on XX/XX/2023 for {$150.00} USD but after activating it, I am unable to process successful transaction with any merchant - Ive tried XXXX, XXXX, XXXX, and also attempted to add to my XXXX wallet following the instructions AMEX provided but have not been able to get it to accept it and says to contact card issuer and they simply tell me to try again.
Product: Debt collection

I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( XXXX  ). On XX/XX/year>, I sent a verification letter to M & M Credit requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the XXXX authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I XXXX have signed. Legal authority to collect in Michigan : I requested proof that they are legally permitted to collect this debt in the state of Michigan. Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Because they failed to respond both within the XXXX window and at all, they failed to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the XXXX major credit bureaus, XXXX, XXXX, XXXX.
Product: Credit card

We used our XXXX to book a cottage through XXXX for a mini vacation to celebrate my husbands first year in XXXX and the completion of his first year of school XXXX and still working towards his XXXX degree.  The room they booked was unfit for staying in. It was at XXXX.  They charged us and showed a prime place on their site at XXXX for XXXX a night.  When we arrived the septic field was dug up right next to the cottage they put us in.  The living room floor was caving in and my sons were tripping and fell XXXX, the bathroom door wouldn't close and there were animal feces next to the stove.  I have the pictures.  I called XXXX to cancel Confirmation Number XXXX.  They wouldn't because they couldn't get the managerof the place on the phone.  It stunk we were getting sick and the ad said it was airconditioned.  This was a lie the bedroom had no vent and no air conditioner seperate and it was XXXX degrees in the keys.  We told XXXX we couldn't stay it wasn't fit they said you have too.  That's fraud they falsely advertised this place.  They wouldn't cancel we offered pictures,  we offered for them to skype in they wouldn't.  We had to leave and had to pay for another hotel it's on our bill as proof we put the keys in the maagers night drop box and drove XXXX hours and checked in at XXXX that night,  then we went home sad and broke.  XXXX is saying they can't make XXXX  remove this fraudulent biling.  Now the XXXX in bogus fee's are putting us high on our credit card and were trying to buy a house.  So it's hurting our credit ,charging us money we don't have.  XXXX  He's in school getting his XXXX Degree XXXX.  He already helps XXXX and wants to help XXXX  This was his treat for 70 hr weeks,  for a year,  trying to do school and a internship so he could bless others.  We were not so upset about it happening we forgave but to charge us for this is horrible.  XXXX need to get a heart or not be used by consumers.  Also they need to be responsible and step up when their merchants commit fraud.  We have all the pictures from this fiasco as proof. XXXX says it's to bad but XXXX says too bad the manager wouldn't cancel.  The manager renting fraudulent rooms doesn't want to give up his money.  Really?  I thought XXXX were there to help us with that.
Product: Money transfer, virtual currency, or money service

I SENT MONEY THRU XXXX AND CHASE TO MY FIANCE TO MAKE A PAYMENT FOR MY WEDDING VENUE ON XX/XX/2020 AND WE HE WENT TO RECEIVE IT SAID HE COULD NOT RECEIVE IT WE CALLED CHASE BANK AND THE THEY CAN SEE IT IN SOME LADY ACCOUNT AND SHE HAS A CHASE ACCOUNT SO THIS WAS AT MIDNIGHT WENT TO CHASE THE NEXT MORNING XX/XX/2020 TO TRY TO GET IT STRAIGHT THE LADY AT THE BANK SAID THEY COULD TAKE IT BACK AND PUT IT IN MY ACCOUNT THAT DID NOT HAPPEN THEY TOLD US THEY CAN SEE IT IN HER ACCOUNT THAT HER NAME IS XXXX THEY OPENED UP A CASE XX/XX/2020 CASE NUMBER XXXX FIVE DAYS LATER THEY SEND A EMAIL SAYING THE TRANSFER WAS GOOD EVEN THOUGH IT WENT TO THE WRONG PERSON SO I CALL CORPORATE OFFICE OPEN ANOTHER CASE AND FEW DAYS LATER THE EMAILED ME AND SAID THEW SAME THING THAT THE TRANSFER WAS GOOD AND THERE WAS NOTHING THE COULD DO BUT WAIT TILL THE LADY CALL THE BANK ABOUT IT WE ASK IF THEY WOULD SEND A CERTIFIED LETTER THEY SAY NO THE TRANSFER WAS XXXX DOLLARS
Product: Debt collection

Im not sure who this company is ( XXXX XXXX XXXX XXXX XXXX  ) but on XX/XX/2022 I had an hard inquiry on my credit report showing a collection balance of {$280.00} from XXXX XXXX XXXX I havent done no business with this company
Product: Mortgage

I was told that my mortgage would be paid. After one year I would be able to access an equity line of credit after XX/XX/. My line of equity would be a growth account tax free. Any withdrawal for that account would be tax free if I had needs and may or may not be paid back. I went to see if I could access this account and was told {$0.00} was my line of credit. I took FHA counseling and went over what was presented by AAG. I needed to pay for a new roof that was discussed at all agents and FHA which was why I got a reverse mortgage in the first place. I was pushed to get all the paper work in and they even sent a notary to my home to push the documents through without time to review. I even called several times during the 12 month initial period and they said after 12 months I could access the growth equity funds if needed. I will submit what you think you need since there are many documents I could send in. Let me know. This is taking advantage and misleading of a senior.
Product: Student loan

I secured this loan while enrolled full-time as an XXXX at the University of XXXX, and I have been enrolled full-time since then. I am currently enrolled in graduate school, and I will complete school in XX/XX/XXXX. 
I have continuously received harassing phone calls and letters about repayment, despite the terms of the loan stating repayment will be deferred until I am out of school - there is also supposed to be a 6-month grace period upon graduation. Wells Fargo has inappropriately caused my and my mothers credit to be harmed. 
I called Wells Fargo on XX/XX/XXXX to inquire further, once I saw that it had been reported as a debt in collections. The representative I spoke to said she had access to every academic term I had ever been enrolled, and she assured me that it was their mistake, and they would correct it. 
However, I just received a letter dated XX/XX/XXXX that they noticed I was no longer enrolled in school as of a date that hasnt occurred yet ( XX/XX/XXXX ). The letter also says that my repayment start date is XX/XX/XXXX, which is more than a month before I will complete my degree. This was an issue I was assured would not occur again on my call on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX regarding their report of my XX/XX/2023 payment as a late payment. They initially stated the information was accurate but later changed the status to XX/XX/2023. I explained to them that this information is inaccurate and provided bank statements showing the payment was taken out of my account not once, but twice. I contacted XXXX XXXX, and they instructed me to reach out to XXXX XXXX because there was nothing they could do. After speaking to a representative, he mentioned an entirely different bank 's name instead of XXXX XXXX. This is a violation of my rights and goes against law 15 U.S. Code 1666b - Timing of payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the inquiries which should be off from report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

I completed a mortgage with Loan Care Services LLC on XX/XX/2009. I recently needed proof of the paid off mortgage and Loan Care has no record of me, my loan number, or my SSN so I can not get the needed paperwork to complete a transaction worth $ XXXX to me. The original mortgage was for a co-op in XXXX, MA and I should have received a note of completed payment as well as my original stock certificate which Loan Care had. No one at Loan Care will help or give me any guidance on getting my information. My credit report shows the mortgage account paid off and closed by Loan Care but without the appropriate documents I can not receive the remainder of my funds from the sale of the co-op. Please help me. I have tried to hire a lawyer, with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inquiries as fraudulent and Exquifax refuses to remove them XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

Capital One Credit Card Visa Platinum card Number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Back in XXXX of XXXX, I informed capital one credit card that my phone had been stolen. XXXX stole it used my credit line then attempted to pay my credit card off with a fraudulent account, more than likely to pay off the card with fraud than use the card or credit line. I wound up having to repay whatever had been charged to the card to get my payments back on track and informed them not to charge that other account it wasnt mine and it was fraud. I went on making my minimum payment or alittle above and than without my knowledge Capital one continued trying to pay my account above my normal payments with the account I told them was not mine. After two or three more months of this out of nowhere they close my account stating it was from them being denied from the account I told them was fraudulent. No money was ever paid from that account because of coarse it wasn't mine. I had no idea that Capital one was still trying to charge that account after I told them it wasn't mine and it was fraud. So in XX/XX/XXXX Capital one closed my account due to their own mistake. I wrote them a letter and called twice with them insisting I must cover the payments they tried to make without permission and then try to open a new credit line. I should of never lost my credit line because they messed up. I continued to make my minumum. They are victemizing me twice. They should of never continued to charge an account I told them was not mine. I should not be effected negitively at all from any of this and my line of credit should be continued or at least not effect my credit report in any negitive aspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit unauthorized by me on XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent them all certified letters asking to remove these inquiries. It has been 4 months and they are still on my credit report. 
I did not apply for credit with any of these companies and would like for these inquiries to be removed.
Product: Credit reporting or other personal consumer reports

I had ( 2 ) XXXX  XXXXXXXX XXXX XXXX accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of XXXX XXXX providinng me the opportunity to rectify the account ; it was sold to Portfolio Recovery Associates. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( 3 ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.