23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover Financial Services Customer Service Department XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Discover Financial Services, I hope this letter finds you well. I am writing to bring to your attention an important matter regarding my Discover account, specifically in reference to the statement dated XXXX. I have highlighted a statement from this billing statement that has led me to believe that I am entitled to a refund of the credit balance on my account. **Statement Attached** The highlighted statement reads as follows : " If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. '' Based on this statement, it is my understanding that I am owed a refund of the credit balance that is currently displayed on the front of my billing statement. I would like to request that this refund for the attached statement be immediately applied to my account. 

Additionally, I wish to discuss a more substantial matter concerning my account. Instead of receiving a physical check through the mail for the refund of the statements, I would like to propose an alternative solution. I kindly request that all of my previous statements be reviewed and the credit balances from those statements be totaled. I would like this total to be applied as an increase to my credit limit on my Discover account. 

To expedite the resolution of this matter, I am requesting that Discover Financial Services contact me within 24 hours of receiving this letter by email, which will be sent via priority mail and will be tracked for your reference. 

I trust that this issue can be resolved promptly and amicably. However, if this matter is not addressed in a timely manner, I will have no choice but to pursue legal action to ensure my rights are upheld. Should we opt for arbitration and I emerge victorious in court, it's worth noting that I could potentially be awarded 1 % of the company 's net worth as compensation. However, I believe it is in everyone 's best interest to resolve this matter amicably and expeditiously, which would entirely eliminate the need for such legal proceedings. I am also willing to sign a nondisclosure agreement to keep this matter from the ears of the public. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and request that you update me on the progress as soon as possible.
Product: Debt collection

Debts were incurred at four casinos in XXXX XXXX on a credit line with XXXX XXXXXXXX, XXXX. via identify theft. My identity was stolen during escrow for a home I recently purchased. When I caught wind of the identity theft in late spring via an attempted email hack I froze my credit at all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the account listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I called in to setup automatic payments on my card. They walked me through it over the phone and verified it was good to go and Id no longer be receiving paper statements. One month goes by and a letter shows up stating Im 30 days past due. 

I have never once made a late payment in my life. I made sure to verify multiple times that my auto pay was setup and I wouldnt be missing any payments. Their employee did not do it correctly and now Im being punished for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : CAPITAL ONE XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry
Product: Vehicle loan or lease

I paid off my auto loan, totaling {$40000.00} the final balance paid being {$1500.00} at the local XXXX bank on XXXX XXXX on theXX/XX/XXXX, 2020. I was told I should receive the title by mail in approximately 2 weeks from that date. I never received anything from them and waited until the XXXX of XXXX before calling to ensure they had enough time to send it. The representative I spoke to on the phone told me the title was just sent out that day and I should receive it soon. I never did so I called back on the XXXX of XXXX and the representative I spoke to told me the lien release was sent out on the XXXX of XXXX as well as the check for overpayment of the loan. I told him I had not received anything from the bank. He told me he was going to expedite the request to have them resend the documents and check and it should be mailed out in two business days. I called back on Monday XX/XX/XXXX and spoke to XXXX, a customer service rep and was told after several hold times that the lien release had been sent to the back office and they are waiting for signature and notary of the document before it can be sent to me. I asked how long that was going to take and she said hopefully it should take 2-3 business days before it is sent out to me. I told her I would like to escalate the case because I have been told different stories each time I called and the lien release should have been sent 10 days after paying it in full. I also told her my vehicle has passed the registration date and I'm not able to register it now due to not having received the lien release. After another long hold she came back and told me she had escalated the case and they could call me back when they get a response and verified my phone number. I informed her I would be contacting an attorney while I await a response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and incomplete information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you conduct a thorough investigation of the following disputed items and provide a prompt and complete resolution. This request is made with the understanding that, as a consumer, I am entitled to have my credit report contain only accurate, complete, and verified information.

Please treat this dispute with the seriousness and urgency it warrants. I expect that you will adhere to all legal guidelines under the Fair Credit Reporting Act, particularly those outlined in 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), which require credit reporting agencies to maintain maximum accuracy and correct any inaccuracies in my credit report.

I have listed all the items I dispute below, including the reasons for my dispute and relevant legal citations. Please ensure that your investigation into each disputed item is conducted in full compliance with the FCRA. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : This account is being reported with a negative status due to charge off. However, I believe this account has been incorrectly reported or is no longer valid due to its age or other discrepancies. Under 15 U.S.C. 1681c, any negative information that is older than seven years must be removed from my credit report. I request that this item be removed as it has exceeded the reporting limit or was inaccurately reported.

Violation Cited : 15 U.S.C. 1681c Information excluded after seven years. Negative accounts older than seven years should not be reported. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : The reported balance for this account is inaccurate. I have resolved the debt, and it should not reflect an open balance. Please provide documentation to validate this reported balance. If you can not validate it, I request immediate removal of this entry from my credit report. 
Violation Cited : 15 U.S.C. 1681e ( b ) Duty of credit reporting agencies to ensure maximum accuracy.
Product: Debt collection

This is a XXXX account that i have no knowledge of. Diversified consultant now has this account i have sent letters via certified mail to formally dispute claim and ask for validation that is competent evidence bearing my signature showing that i have or ever had some contractual obligation to sprint which was signed for on XX/XX/19 and a second letter sign for on XX/XX/19 by diversified consultant. As a result this debt is listed on my credit report 's
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 

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

An account was obtained via fraud, someone used my personal information without my consent to obtain an auto loan through XXXX XXXX. However, that account was to be removed from all of my personal credit files, XXXX  and XXXX  both adhere to the request after a thorough investigation. However, Equifax has chosen to continue reporting this account. That said, due to this inaccuracy listed in my Equifax file, I have suffered multiple adverse actions in lending and employment, which have caused me tremendous financial hardship. 

In addition to my complaint, XXXX XXXX has violated the law and is not in line with the Fair Debt Collection Practices Act. The original creditor continues to report the account to Equifax but sold the account to a third-party collection agency that is reporting the debt. 

I am contacting this agency hoping that a solution is rendered regarding my Equifax credit file 's inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated. In which I have the First file number of XXXX issued of XX/XX/2022 which it stated information removed but it still shows on my credit report, and have pictures that it is still there. The Second investigation with all 3 Credit bureaus are ridiculous and I will be pushing forward to get these violation looked at by my lawyer. If you review my credit report in which I have a copy of there are numerous of violations with inaccurate information alone. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate how is that a proper investigation? Also that violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. This is not right to privacy especially with inaccurate information.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without written instructions.
Product: Checking or savings account

I opened an account on XX/XX/year> with Capital one. I waited to fund it because I was working that week. I signed up to use XXXX on XX/XX/XXXX as well so I could route money sent between me and my mother and a few others who I send and receive from through my new account to be able to fund it and also to be able to save it and begin using my new account as it was intended to be my primary banking account. On XX/XX/XXXX a family friend sent me money through XXXX as she has been doing for at least 6 years. On the XXXX it was declined by the bank and I was emailed that my account was restricted. I immediately called the bank to inquire why this had happened. While talking to the agent she couldnt find a reason as to why this had taken place. The only questions she asked was if I had other numbers which I answered yes because I have 2 different phone numbers that I possess, did I use a different email to sign up with which I did not and do I know someone named XXXX which I also responded that I did not. She spoke to someone for several minutes and after about XXXX to an hour I was told that everything had been resolved and that I was now able to use my account again and all I had to do was re register for XXXX. Which I attempted and was met with a error so I used my second number which was also registered with that account. It was accepted so I sent a request this time to the person again to receive the money she was supposed to send. On the XXXX it was denied by Capital One again and my account restricted again so as before I called to see the reason. I was met with them stating that it was being investigated. Today I was called and emailed saying it was under investigation for unusual activity which baffles me because I just opened this account so how can anything be unusual when its literally my first transaction on this account to which I was told my account would be closed. When I asked I was told something along the lines of fraudulent activity which astonished me because there wasnt anything done fraudulently on my behalf. I was given no further information and I dont feel as if any of it was fair. I only wanted to open a bank account with a bank that my mother has banked with for years to help me build my savings and hopefully my credit in the future.
Product: Credit card

On my self XXXX XXXX account I made a ADDITIONAL payment of a dollar that was not owed and got returned and self charged me XXXX dollars. I know there's a new law approved through CFPB prohibiting companies to do this. 


also my new self credit card i had called to see when my XXXX dollar patment will be added to my account on a recorded call the agent said the XXXX is the annual fee ... in its polices. i said its not in the policy that the annual free is taken out the first payment.I asked for a sup he said different. He said the fee is taken out our XXXX limit making it a XXXX dollar limit.. which isn't true because my limit is XXXX.
Product: Debt collection

I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX Card debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by Bank of America. I went on medical XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from Bank of America to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on medical leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the XXXX card. 
When XXXX XXXX XXXX called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from Bank Of America, I owe them nothing. I think this charge of {$890.00} is a false charge.
Product: Debt collection

Repeatedly receiving phone calls from XXXX, Ohio ( XXXX ) area code,XXXX.-XXXX. Please note this is just one number they have attempted to call me on. I have blocked numerous other numbers 's from this same company in reference to a XXXX 'S account over the past 8 month 's. Be advised I have never had a XXXX, S account, this was also explained to the caller the one time I answered but the calls have continued on nearly a daily bases. It was suggested that I file a complaint with the CFPB about these calls. Also note that no message was left with a call back number or reason on any of these calls. 
Below is a list of other telephone number used by this company : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. All accounts included in that bankruptcy and the public record were removed from my credit reports except for Columbus Bank and Trust ( CB & T ) on my XXXX report. On my XXXX XXXX, XXXX XXXX report this account reported correctly that it was " Discharged through Bankruptcy Chapter XXXX '', " This account is scheduled to continue on record until XXXX XXXX '', and " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ''. The data on subsequent reports on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX each erroneously updated this account. XXXX XXXX, XXXX report changed to " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX '' and " This account is continue on record until XXXX XXXX ''. The XXXX XXXX, XXXX report indicated " Account Charged Off. $ $ $ $ $ $ written off ''. I disputed the item with XXXX, who instead of removing the account now has updated it to " Discharged through Bankruptcy Chapter XXXX Never late. '' and " This account is scheduled to continue on record until XXXX XXXX. '' I proceeded to dispute this again via certified mail, but XXXX still did not remove the account. I can only assume that CB & T is saying their information is correct when it is not. CB & T needs to have XXXX remove this account from my report immediately.
Product: Mortgage

Miss appropriated payments : My wife and I have a mortgage on our house in Oregon that we purchased with a XXXX. It is being processed by Dovenmuehle. XXXX describes Dovenmuehle as a trusted third party. 
After about 2 1/2 years on the 15 year mortgage, and numerous disappointing experiences with Dovenmuehle customer service, my wife and I decided to pay off the mortgage early so we do n't have to deal with this dishonest and discourteous company any further. We have been sending in additional payments marked " Principal Only '' on a regular basis, every two weeks, and also larger amounts occasionally, when we can. 
Numerous times the " Principal Only '' payment is not posted to principal even though we have done what both institutions ask. The payments go to " XXXX - PRINCIPAL ONLY '' Our regular monthly payments have never been late. Our last payment of { {$1900.00} } was once again applied wrong. It was applied as an additional monthly payment instead of a payment to principal. This despite the facts that XXXX takes this money directly out of my account and sends it to the Dovenmuehle address for payments to principal. There is actually no physical check, the payments between XXXX and Dovenmuehle are electronic using the XXXX Bill Pay. 
I would like compensation for additional interest charged because of this intentional and repeated misappropriation of funds. 
I would also like compensation for the 17 hours and 20 minutes spent on the phone in the past 6 months trying to get Dovenmuehle to credit payments correctly. 
I am not the only customer with this complaint. Please refer to Complaint ID XXXX and XXXX. This is not an isolated incident. This is intentional misconduct and I request you fine XXXX and Dovenmuehle for willful disregard of banking regulations. I also request that The Consumer Financial Protection Bureau audit all loans serviced by Dovenmuehle for similar misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/2020. I see all the accounts automatically rollover with other credit bureaus. However, Equifax only has 4 revolving accounts ( one newly added ) on my current credit file. It was changed sometime during last year. When I contacted Equifax, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on Equifax credit report but does not show anymore.
Product: Checking or savings account

My name is XXXX XXXX and I have been a fifth third customer for 18 years. I had a substantial amount of money ( XXXX ) stored in my checking account with XXXX XXXX Bank. There was a debit card attached to this account. on XX/XX/XXXX, I noticed by funds had been drained as someone had been using my debit card. I immediately called Fifth Third to cancel the card and dispute the charges. Today, XX/XX/XXXX, I call in to check the claim status and am told my a call center employee my case was closed and denied despite being provided no information. I doubt no real investigation was done ; this bank does not care about its customers. I have been unfairly treated ; I was not provided any time of credit in the interim and never received any alerts on the debit card transactions. XXXX XXXX  stolen from my account and XXXX does XXXXour days of " investigating '' and refuses to help. I will be going to news outlets in the coming days if this is not resolved.
Product: Credit card

I recently opened a store card at Nordstrom. I made a purchase of XXXX that day, and a few days later, returned XXXX of the items ( - {$37.00} ). A few days later, more than {$1000.00} of unauthorized purchases were made. I did not find out until I received my statement today. I do n't even have a physical credit card yet, just a ( now expired ) temporary card that is essentially a receipt containing a bar code, nor have I been able to set up online sign-in without a copy of the credit card and full CC number. The unauthorized purchases were all made on the same day, in two Nordstroms ( one of which was the store where I made the return, the other was a nearby Nordstrom ).
Product: Mortgage

I have contacted Chase Bank regarding my home mortgage which was suppose to be a Home Affordable Modification Program Agreement, off and on since XX/XX/2016 Each time when I call the XXXX I get a different Customer Assistance XXXX but the same answer regarding the amount of my monthly payment {$900.00}. However when I receive my monthly statement from Chase the the monthly mortgage amount is different. This month the payment is {$440.00}. I just was speaking to a representative at Chase regarding the difference and was disconnected. The amount I am paying and the amount Chase says I owes is {$450.00}. As a widow with a daughter with latent XXXX XXXX I am struggling to make my monthly payment. Can someone please explain to me why the huge almost double difference in the monthly payment amounts from XXXX branch of Chase to another? I just made my XX/XX/2016 payment and I paid from the Chase monthly statement I received showing {$440.00}. l called Chase asking for verification of the amount due and the woman I spoke to said the payment was {$800.00} plus, once again a different amount. I would appreciate any help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX has violated my rights. 


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 a account without my written instructions.