23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since last year, I have been experiencing problems making the minimum payments on my Capital One credit card. I lost my job since the pandemic, and I was only able to work on a contract basis. 
Since XX/XX/XXXX, and when due to the situation already described, I began to experience serious problems making my credit card payments. I proceeded to immediately contact Capital One to try to solve this situation and to get a payment plan that would allow me to reduce the high interest on the card, which is currently 25.5 % of the purchases made and to eliminate the monthly late fees is {$38.00}. The capital one representative told me that they didn't have that kind of program available and that they only offered me a three-month payment plan to catch up by eliminating late fees, but he didn't agree to adjust the interest. I signed up for the plan, but after complying with it I continued to have problems with continuing to make my payments, this is because my financial situation has NOT CHANGED since XX/XX/XXXX. 
As a responsible consumer that I have always been and my credit history can prove it, I continued to communicate with Capital One on a monthly basis, the last time being today, XX/XX/XXXX, and again a Capital One supervisor identified as XXXXXXXX XXXX XXXX XXXXXXXX, told me again that they did not have a Hardship Payment plan to help me pay off my debt. As of today, my account balance is {$11000.00}, with a minimum payment of {$1000.00}, this out of an original balance of less than {$6000.00}. Meaning Capital One almost doubled my original debt with all the fees they added ever since. 
This situation makes me submit this complaint that infers that Capital one does not want to make any kind of payment arrangement that can help me pay off this debt but only to continue enlarging the balance with abusive interest and surcharges that will never allow me to pay it neither allows me to negotiate a fair payment plan. 
I am a XXXX XXXX woman and I understand this practice from Capital One is not fair neither shows any willingness to help a working-class consumer, who has been in communications with them since day one. I consider these unfair and of a financial exploitative nature.
Product: Credit card or prepaid card

Money was taken fraudulent and did all proper paperwork but still got overdraft fees charge
Product: Mortgage

I am making this complaint for my  XXXX   year old  mother. My mother entered into a reverse mortgage with  Wells Fargo. I  do not know the exact date becau se Wells Fargo has yet to approve my Power of Attorney documents. My mother 's home had been paid off for years. Wells Fargo tal ked her into a reverse mortgage. The terms were she could stay in her home till she died then her heirs would have the chance to purchase her home. On   XX/XX/XXXX , m y mother received documents saying a collections agency was going to start foreclosure proceedings because my mother no longer lived there. My mother has always lived there. I have gone back and forth with  Wells Fargo try ing to resolve this matter. I have submitted documents on several occasions a nd Wells Fargo rejects them. Wells  Fargo has asked me to complete enclosures which were never enclosed with their letters. I have repeatedly asked them to provide an occupancy letter for my mother to sign which she just received on  XX/XX/XXXX . This letter was dated  XXXX .  Wells Fargo has  drug its feet in terms of getting this matter resolved and there has been no reason for it. I respectfully want others and the State of California to know ho w Wells Fargo conducts business. As long as this process has drug out, in what is a time sensitive matter, it is almost as if Wells Fargo d oes not want to get the situation resolved so they can kick my  XXXX   year old mother out of her home so they can take possession. I feel consumers have the right to know about Wells Fargo 's poor , poor, unethical business practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act, regarding my XXXX XXXX credit card account XXXX XXXX XXXX XXXX XXXX, which is a direct violation of my consumer rights. 

15 USC 1681 Section 602 A clearly 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 an account without my written consent. 

15 USC 1666B : A creditor may not treat a payment on an a credit card account under an open-end consumer credit plan as late for any purpose. 

I specifically requested an investigation into this error, but a letter was received, by the credit grantor, denying an investigation ( enclosed ). 

Remove this late payment and update this account immediately, as you are in direct violation of several laws under the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

Theyve been taking my state tax refund and I wasnt properly notified before they started taking it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX : The Money Source Loan number : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Good morning, We're submitting this complaint for the purpose of asking your assistance in dealings with XXXX, surrounding our loan Modification request. 

We began our conversations with XXXX on XX/XX/XXXX and submitted all requested documentation shortly thereafter. Documentation was received, by them, on XX/XX/XXXX. 

Since that time, we've been dealing with XXXX XXXX - who informed us that SHE was our single point of contact ( untrue ). Her extension is XXXX. Over the course of the last 30 days, XXXX has told us that Underwriting had questions regarding our XXXX XXXX XXXX and supplemental Letters of Explanation. 

On four separate occasions, we were asked to resubmit the same documentation. ( at XXXX 's request, her saying that it was Underwriting asking for the updates/with no clear explanation ) It wasn't until last week, when we had an opportunity to speak with a different individual, that we were told exactly what the issues of those documents war. We took immediate corrective action and submitted those documents 24 hours later. 

Our next follow-up call, with XXXX, brought us the same results as the previous for conversations. Again, she insisted that Underwriting needed an explanation on the documents that we had repeatedly explained to her, over the phone and in the detailed Letters of Explanation. 

Yesterday we had a conversation with XXXX, extension XXXX, and again, we were told that there was a request for an explanation of our XXXX XXXX XXXX, our most recent bank deposits, and the Letters of Explanation, surrounding our lease agreement. ( We currently do not have a lease agreements with any subletters ) After explaining everything to her and her actually taking the time to look at the documents, she agreed that what we've provided is satisfactory for the individual who is - SETTING UP THE FILE TO COMPLETE IT AND THEN SEND IT TO UNDERWRITING. 

This means that our file has been pending set up approval for 30 days and Underwriting has yet to see it. 

It's painfully clear to us that XXXX is actively working to willfully mislead us and break our spirits. This is a very sizable loan and the value of our home has gone up, since we purchased it. 

We are requesting that you step in and demand that they take corrective action and move our Modification request through the process in a timely manner. Our mortgage payments are in excess of {$5000.00} per month and every month that goes by, the fees and penalties add up in a tremendous manner. I've attached copies of the notes from every conversation that we've had with them to this Thank you for your help with this! 

You can speak with my wife XXXX XXXX XXXX. She is also on the loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Acts ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issue a with XXXX XXXX XXXX that Sears has issued a fraudulent charge to XXXX   XXXX XXXX that I authorize at the purchase of appliances ( XXXX XXXX and XXXX ). All three were supposed to be charged to my XXXX XXXX XXXX XXXX XXXX. The XXXX  was charged but the XXXX and XXXX was charged to XXXX XXXX XXXX  card that I didnt knowingly approved nor use to charge for the appliances. 

I contacted XXXX XXXX XXXX for 6 months terminate this card and charged the total balance to my XXXX  cards and removed the fraudulent late payments and two 30 days derogatory late notices. They removed the late fees and 1 late notices. But refuse remove the one remaining 30 late payment on all 3 of credit agencies. They also refuse to allow me pay off the balance of the credit debt.
Product: Student loan

I XXXX XXXX attended XXXX XXXX XXXXXXXX XXXX XXXX ) from XXXX - XXXX, online courses, I received an XXXX XXXX in XXXX XXXX in XXXX, upon completion. My loan was in forbearance for several years. Struggling to make payments due to my husband illness after he retired from the military XXXX. My salary at the time couldnt handle making school payments and helpi take care of our household. Therefore, the forbearance options help our family tremendously. 

I checked on the Studentaid.gov website to find out the total cost of attending XXXX. What I discovered was overwhelming to my eye site. The total listed was more than double the original amount of my loan. I contacted XXXX to request a copy of my account. XXXX email me the copy which indicated the amount of all my classes where {$20000.00} not {$70000.00} that is listed in on the Student Aid website. It is dates listed on the website that dont apply to me. Also, they switch my servicer several times, making my loans attached to different services. 

Last but not least, I believe XXXX was one of the schools that was in some kind of scandal with how they managed getting students to apply for tuition and/or allowing the services to grant students longer forbearances in order to gain additional money to that servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MEDICAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the Bank of America credit card attached. 

Please completely remove this XXXX  from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Checking or savings account

XX/XX/year>2023 I deposited my check into my capital one savings account I was told after 7 days if my check don't return I can access my funds 7 days went by my check was paid out I never had access to my account 6 months went by my money was earning interest the 7 month my account was closed they sent me a check for the interest my check received which was XXXX but they never sent my check it was XXXX they told me they sent it back which is not true my account say withdrawal of XXXX when I asked about it all they do is lie they took my money out my account n sent me the interest my check earned for sitting if my check was sent back I wouldn't never receive a internest check 7 months later come on capital one is B 's they took my money
Product: Debt collection

I am XXXX year old XXXX. Pressler and Pressler counsellors at law, XXXX XXXX XXXX, XXXX, N.J. XXXX debt collectors, have been harassing me to pay a debt that occurred prior to the year XXXX. they are demanding i complete the forms they sent me requiring all sort of information regarding my personal finances. Their letter says I can make payment arrangements. this debt, i believe, is to old for collection. I do n't know what to do. I am so upset.
Product: Student loan

A loan was supposed to be placed in in-school deferment and was not, despite assurances from Navient that the loan qualified. I contacted Navient both through their online form submission system, and via phone call prior to or shortly after enrolling in my final classes for graduation XX/XX/2015. ( In school period was XXXX 2015 through XXXX 2015 ). It was then reported delinquent to credit bureaus and has destroyed my otherwise good credit. I have a long history with student loans through XXXX XXXX / Navient and have had a great record of payment. I have attempted getting this resolved through Navient and have been told incorrect information, had the phone call disconnected, not received return phone calls or emails, and have had a dispute outstanding with them for over two months. Most recently I was transferred to work the dispute with their customer advocacy team and have experienced the same slow and lacking communication, no follow up on their promised deliverables or timeframe, and a complete misinterpretation and misrepresentation of the initial dispute I filed with them. This is causing extreme financial hardship as I have sold my home and am unable to qualify for a new mortgage because of the incorrect delinquent reportings on the student loan accounts. It has also caused financial hardship to the co-signers on those student loans. In addition to the in-school deferment issue, there was also an issue where several requests for due-date changes were never applied to the account thus resulting in additional delinquency reportings despite my best efforts to keep the account current. When the account was transitioned from XXXX XXXX to Navient is when all of the issues began occurring. Nearly every phone call I attempted to make to Navient at the start of the issues was transferred several times, often the call was disconnected, and I was provided incorrect assurances in several instances. I have never experienced a company so misleading and difficult to work with, and have never experienced so many technical and phone system issues. It is terrifying that they are in the student loan business. They have destroyed my credit, and I will be without a home and with no means of getting a loan in three weeks because of their inaccurate information and lack of responsive and responsibility in handling the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage failed to send me a notice that my payment was due like they usually do and then charged me a late charge. 

On information and belief, they often fail to send the payment due notices in order to make additional fees on rush payment charges and late fees. 

Worse, XXXX different employees at Wells Fargo Home Mortgage told me they WOULD remove the late charge, but then on XXXX XXXX, XXXX they sent a letter saying they would not remove the late charge. 

This delay, obfuscation, and attempt to mislead a consumer was apparently done to confuse and make consumers lose their documentation regarding the issue.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries and personal information on my credit report : 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 XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX Accts XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Capital One Spark Business Credit Card ] This information is obsolete and should no longer be appearing on my credit reports; please delete it. 

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. 

Truly XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do recognize these lenders and did not authorize them to perform a hard inquiry. 
Please remove them from my credit reports immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Equifax : 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

See attached As requested all documents have been provided please get this taken care of within XXXX XXXX as you are required to do by law XXXX XXXX XXXX XXXX XX/XX/199XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to XXXX regarding the following account numbers : XXXX, XXXX and XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company started it was fraudulent and send transunion letter and they have failed to remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX ( account ending in # XXXX XXXX  listed on my consumer report has violated my rights as described below : 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 state 's a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B states a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose