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

XXXX | XXXX | XXXX In Fact, and truth, XXXX violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be XXXX XXXX accurate on my credit report. 

The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. 

They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy.

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

15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I did not give anyone written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinsertion of an account on my credit report that was previously deleted. The account in question is : Creditor Name : XXXX XXXX Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( FCRA Section 611 ), if an item previously deleted is reinserted into a consumers credit file, you are required to : 1. Notify me in writing within five ( 5 ) business days of reinserting the account.

2. Ensure that the furnisher has certified the accuracy and completeness of the account before reinsertion.

I did not receive any such notice as required by law, which is a direct violation of the FCRA. Additionally, I request : The method of verification used to determine that this account is accurate, per FCRA 611 ( a ) ( 7 ). 
All supporting documentation that was relied upon in verifying this account. 
Proof of my liability for this alleged debt, including a copy of any original signed agreement. 

If you can not provide this information, you must immediately delete this account from my credit report. Failure to comply with the FCRAs reinsertion rules may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal claims under FCRA 616 and 617 for damages. 

Please investigate this matter and respond to me within 5 days, as required by law. I expect written confirmation of your findings and any actions taken.
Product: Credit card

I purchased a round-trip ticket from XXXX XXXX on XXXX XXXX, 2015 using a credit card ( card # XXXX ) from Capital One. On the return leg of the trip, XXXX XXXX required me to pay a baggage fee, which I did using a DIFFERENT credit card ( card # XXXX ) from Capital One. The trip was then canceled and XXXX XXXX eventually refunded some of the monies ( about XXXX % of the round-trip ticket ) onto the original card to purchase the ticket. When I tried to get a refund for the baggage fee on the OTHER credit card, they could n't find the purchase in their computer system and nothing was refunded. I then disputed the purchase to Capital One. 

Capital One took my complaint, but then denied my refund since XXXX XXXX said they refunded the baggage fee onto the other card, yet they could n't find the baggage fee on their computer system when I called to ask for a refund? They also denied it because I did n't provide a refund receipt, which I never received from XXXX XXXX. Since XXXX XXXX has that data, should n't they be required to either give it to me in the first place or supply it themselves? I also want to know how an XXXX like XXXX can say they refunded monies to a credit card that was n't even used to pay for the baggage fee originally? Since I used card # XXXX to pay for the baggage fee, how can they say they refunded the baggage fee money to card # XXXX, even if that card was used to purchase the original ticket but not the baggage fee? 

Thank you for your time. 
XXXX XXXX
Product: Mortgage

I have called several times get nothing but recordings ... when i did reach a rep it no greeting and all she said a bit rude was " can I help you '' uh ok ... the whole issue was THEY PAID A HUGE AMOUNT of escrow flood insurance to the wrong provider ( I had terminated the policy ) and had called days before to the insurance dept ( they pick up usually ) and told them the new policy number and I would call them to activate it ( I had 45 days ) so they paid on the XXXX a policy that expired on the XXXX? they did call the company and bring me in for conferance ( 1 point ) the insurance company knew nothing about the payment being sent to them and thought the same " I had cancelled '' loancare has promised to " stop payment '' if not Im contacting a lawyer ... XXXX for a policy I can get for XXXX? nope .... I too was aquired when " XXXX   '' went belly up ... not happy! 
LAST COMMENT THEY DON'T DO EMAIL AT ALL!!
Product: Debt collection

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Product: Checking or savings account

Hello, Bank of America did not allow me to withdraw money from the ATM today XX/XX/year>XXXX  using XXXX XXXX. Furthermore, each tap and pay caused a restriction on the account. Moreover, the fraud department advised that I should use the debit card instead of tap and pay to withdraw my money at the ATM. Also, this is discrimination based on my XXXX from denying me the option of tap and pay at the ATM to get cash. Lastly, I want this complaint to be anonymous to avoid retaliation by Bank of America with an account closure.
Product: Credit card or prepaid card

I applied for the Hilton Honors Amex card in XXXX of this year XXXX. First time I've owned the product and it had a welcome bonus of XXXX Hilton points after a minimum spend of {$1000.00} in the first 3 months. I hit the spending bonus on XX/XX/XXXX XXXX statement closing date XX/XX/XXXX ), so less than a month after applying for the card and well within the bonus requirements. Till this date XX/XX/XXXX I have not received my bonus points. They state can take 8-12 weeks to receive, but it's been 17 weeks and I haven't received anything. I've called multiple times with no success or resolution. The last time I called was around the end of XX/XX/XXXX, and they said basically, I'll get the points when I'll get the points. That there is nothing they can do to get the points to me manually or expedite them ( it isn't expediting if it's been 17 weeks ). I feel like this is a bait and switch. I will say I've had an awesome experience with their other Amex cards however.
Product: Credit reporting or other personal consumer reports

The late payments listed here do not align with my usual payment pattern.
Product: Student loan

in XX/XX/XXXX I filed for bankruptcy due to medical conditions. I was in meeting with the U.S. district attorney where I was informed that I was eligible for up to 5 years of hardship/medical deferment before they can look at a possible discharge. Since that date I have made sure to renew my hardship deferment status each year. I registered all of my loans in XX/XX/XXXX for hardship deferment and was granted it. According to the Student loan data base this loan was placed in repayment status on XX/XX/XXXX by American Education Services ( further referred to as AES ) removed one of my loans from deferment and placed it in payment status. I was not notified. I received a phone call from a collection agency stating that AES had placed this loan in default on XX/XX/XXXX. At this time All of the other 7 loans are in hardship deferment but when I tried to discuss this with the individuals I spoke to in their customer service division they stated that I would need to pay the entire {$31000.00} now. I have 5 different XXXX XXXX and XXXX XXXX children. My medication alone is $ 300-400 per month and I have to pay for child care for my children during the summer that I have to save for during the school year. I do not qualify for any state assistance as I am a XXXX XXXX. I 'm trying to work as long as I can and have been an employee in XXXX XXXX my entire career. I barely make enough to take care of my kids and I am struggling to pay for my medications. This company has never worked with me in the past and how, when I have 8 open federal loan accts, how are 7 in deferment and in good standing and this 1 not be? 

I need help dealing with this company because they have yet to work with me in getting thing situated. This loan should not be in default. It is supposed to be on hardship deferment until XX/XX/XXXX. I know that is n't that far away but this should n't get this far to begin with. 
Thank you for your assistance
Product: Checking or savings account

I opened a checking and savings accounts with TD Bank based on an advertisement received in my mail with the promoting message " Open your account to earn up to {$500.00} today! '' To earn the {$500.00}, in XXXX of 2020, I went to the website " XXXX '' to open the accounts. I met the required conditions as stated in the advertisement. 
- {$300.00} for when open a TD Beyond Checking account and have {$2500.00} in direct deposits within 60 days. 
- {$200.00} for when open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least a {$20000.00} balance for 90 days. 

After many months, I never receive the money as advertised. I called TD Bank consumer services and was informed that it takes 3- 5 business days to resolve the matter. This never happened. The second time I called, I was advised the same message that it will be resolved in 3-5 business days.
Product: Debt collection

I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.
Product: Debt collection

I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge. It Does not tell me what the account listed under, But the amount for the requested debt is {$310.00} currently being reported by Portfolio Recovery to the credit bureaus. This account does not belong to me and was opened without my authorization.

Timeline : In XX/XX/year>, I first noticed the fraudulent account when reviewing my credit report. 

On XX/XX/year>, I filed a dispute on XXXX. 

On XX/XX/year>, I contacted Portfolio Recovery to dispute the debt, but I have yet to receive any confirmation of resolution. 

Impact : This fraudulent account has caused a significant drop in my credit score, affecting my ability to secure a loan and causing undue stress. The continued reporting of this incorrect information is negatively affecting my financial health.
Product: Debt collection

We recieved a notice/levy from the state of Indiana from a third party collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX. The amount of the levy is XXXX and our accounts have been locked. This was claimed and discharged on our bankruptcy in XX/XX/2017 yet we have been harrassed even though the bankruptcy paperwork clearly states and lists the state of Indiana Department Revenue on the bankruptcy discharge paperwork.
Product: Credit card

I went on your app to see if I can dispute two charges from XXXX, but there is no option to dispute on the credit card. 

I don't want to waste my time by calling your customer service and waiting long time, verifying all of my details, it wastes a lot of time, So I'm writing to you because I made two purchases on the XXXX app and one was the mattress, the first XXXX purchase was made on XX/XX/year>, {$100.00}, this mattress has already been returned, it was picked up by the merchant on XX/XX/XXXX, And the second XXXX purchase was made for a bed which was also ordered on XX/XX/year> and it was for {$180.00}, I already contacted XXXX multiple times to let me return the item because the item is faulty and Not balanced, but I'm not receiving any response from XXXX so I would like to dispute this charge as well. 

Please make disputes easy by letting the customers dispute on the app rather than calling you for the disputes which wastes a lot of time. 

If I knew that disputing charges on FNBO credit card would be so difficult, I wouldn't have started using the FNBO credit card
Product: Mortgage

Date XXXX Your Name : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CA Zip Code : XXXX My name is XXXX XXXX and my ss # XXXX and my husband name is XXXX XXXX XXXX and his ss # XXXX. 


I am writing to dispute the following information in my and my husband file. late payments to Guild mortgage Account XXXX XXXX for my mortgage payment.I am requesting that this item be deleted. I am buying a car and when they pull my credit it shows I have late payment on my credit, so they are giving us high interest. The only reason the payment was late was because they charged me to insure my payment but I have insurese from a different company. When I called the guild mortgage they took so long to remove it. I have to call so many times almost every week. Due to covid -19 i lost hours from work. My payment was {$370.00}. But they sent me XXXX something. I don't have that much money to pay the payment.i ask them i can just pay the payment only which is {$370.00} but they say i have to pay in full i dont have that much money to pay full. they took so long to remove it. When they remove in back in XXXX I pay full payment. 

I have a good credit history with all my other accounts. 


I am asking you to remove it from .I sent this letter this matter is resolved within the required 30-day window. 


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

XXXX had deleted my negative accounts as they see the violations under FCRA. Equifax and XXXX are still posting the negative accounts. I am requesting that Equifax and XXXX remove the negative accounts NOW as XXXX saw the violations and had them removed.
Product: Checking or savings account

On Saturday XX/XX/2024 I made an error in a payment to my electric company XXXX XXXX XXXX XXXX on line .i have the monthly bill for services and also loan for over XXXX dollars .when making the transaction I must have hit the full amount button and it took over XXXX out of Wells Fargo band accounts which brought me to a XXXX balance .i discovered this on Monday morning and immediately called the XXXX company to pls cancel this it was an error!! They refused saying the bank had already approved the payment. I called Wells Fargo customer service and spoke with three different representatives going up the ladder and was told it would take XXXXtill XXXX days to investigate!! I had no money in my account I begged them to stop payment because the payment was still pending they claimed that it was too late and again I should contact the XXXX company!! Now Im running back and forth to the branch in XXXX, XXXX .trying to get statements from them to submit to the XXXX company in order to try to get a refund!! I am XXXX years old and single and retired!! I admit I must have hit the wrong button but these two giant corporations have caused me so much stress and XXXX because of their so called policies and processes!! I still will be without the money for XXXX to XXXX days because of there not willing to just stop the payment on either end!! I have been a customer of Wells Fargo for XXXX  years even before when they were XXXX and XXXX XXXX banks!! They went into my overdraft protection balance without my knowledge I have never been overdrawn in my account with them!! I wasnt notified that I was overdrawn until today after they processed the payment!! Which like I said the payment was still pending yesterday Was this straightened out and I dont know when it will be .i will never do business with Wells Fargo again !! I will close out my accounts with them XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  acquired XXXX XXXX XXXX  in late XXXX. I had a HELOC with XXXX XXXX for over a decade. MY credit Union, XXXX  XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until XXXX  acquired XXXX. I was informed in XXXX of XXXX  that I was three months past due. I immediate paid XXXX the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that XXXX claimed were never made. After many many months of getting the run around I provided XXXX with multiple documents including official communication and verification from XXXX  XXXX XXXX that the payments were made and were never returned or rejected by XXXX XXXX. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, XXXX ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before XXXX acquired XXXX. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by XXXX
Product: Checking or savings account

I opened a savings account with my mother online with Citibank. On XX/XX/2023 we transfered {$100000.00} from my and my husband 's bank account in XXXX to fund the new savings account. Unfortunately, we used my husband 's profile on the app to transfer the money and didn't realized it did not include my name on the transfer. Contacted Citibank in XXXX to see what was the issue since I couldn't access the account. They froze my account and set it to closure because the name on the transfer was not mine or my mother. Explained to them what was the issue, they took notes. 

Contacted XXXX and explained the problem to them. They tried to retrieve the money back from Citibank. Citibank blocked it. Called Citibank again yesterday XX/XX/2023. They still have the account set to closure, but holding to our money. Explained to them again the whole situation, but they have no solution but to wait another month until the situation is investigated. I asked to have the money sent back to XXXX since they got it directly from XXXX, but they refuse. The only solution they are willing to do is wait another month and then send a check to my husband. In the mean time, they are holding my {$100000.00}.
Product: Credit card or prepaid card

- Capital One Bank has improperly and illegally applied a purchase adjustment to my account for {$11.00} - In late XXXX, I filed a dispute with Capital One for the amount of {$29.00} for an item that was bought from a Merchant ( XXXX ). Capital One later improperly filed a dispute for the full purchase amount of {$110.00}, although I never disputed that amount. After several calls, I spoke to someone at Capital One who was able to correct this gross incompetence and they later did a purchase adjustment of {$83.00}. Essentially {$83.00} plus {$29.00} = {$110.00}. 
- On XX/XX/XXXX, Capital One made a purchase adjustment of {$11.00} on my account which is illegal. 
- On XX/XX/XXXX, I received a refund of {$11.00} from XXXX, which was for a different item that was returned to them. Within the {$110.00} purchase that was made from XXXX on XX/XX/XXXX, I made a return for an item for {$11.00}. The merchant received that item and gave me a refund. 
- Capital One is improperly doing a purchase adjustment for {$11.00}, although I never disputed {$11.00} with them. My dispute was for {$29.00}, which they did incorrectly ( by crediting a total of {$110.00} ), and later corrected by doing a purchase adjustment for {$83.00}. 
- Unfortunately, they are not understanding that my purchase for {$110.00} included several items. One of these items was refunded by the merchant ( for {$11.00} ) ; I never disputed that item with Capital One, and never received a credit for that item at any point from Capital One. So, Capital One, has no business doing a purchase adjustment for this. 

It is a shame that a financial company is making these errors which reflects a high level of incompetence which should not be tolerated. 

Capital One needs to apply a credit of {$11.00} to my account because it is for their incompetence and lack of care in improperly doing a purchase adjustment which should never have been done in the first place.