23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX XXXX. 

The last four digits of my Social Security Number is XXXX. 

The last four digits of my current peraonal checking account with Capital One Bank N.A. is XXXX. 

The last XXXX digits of the debit XXXX tied to the aforementioned account ending in XXXX is XXXX. 

XXXX XXXX owes me significant sums in ***undisputed*** illegal and unauthorized sums which are continually disputed by me- and I need my funds back within minutes of these phone calls - not 2-3 weeks later in some cases. 

Please contact me right away so that I can utilize your much needed assistance immediately!!! Thank you. 

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

XXXX  card services acc XXXX this account do not belong to me XXXX XXXX XXXX  Acc XXXX this acc do not belong to me. 

XXXX  card services acc XXXX this acc do not belong to me XXXX  XXXX acc XXXX this acc do not belong tome
Product: Credit reporting or other personal consumer reports

XX/XX/year> : I was informed via credit monitoring via XXXX that an account from XXXX was being reported to Experian that was showing as over the limit. I created an Experian account and reviewed the reported line and verified it was indeed appearing on my report and showing over the credit limit. I do not have an account of that type and I am not an authorized user on any account of that type. 

I started a dispute with Experian for the incorrect line. 

XX/XX/year> : XXXX XXXXXXXX and they were able to confirm the existence of the account, but that I have not been affiliated as an authorized user " in years ''. They are unwilling to take any action to remediate the error.
Product: Credit card or prepaid card

Capital One has failed to refund XXXX in fees and interest from " late '' payments on purchases that were under dispute and ultimately refunded. Capital One has been asked to refund these numerous times, yet I have not received any personal contact from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting.

XXXXXXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX, AL XXXX
Product: Debt collection

The calls from the company that is saying their name is XXXX XXXX started on Monday XX/XX/XXXX, they were calling my number and my fiance 's number with a message to serve.This morning my fiance received a call from an unknown number stating her name was XXXX XXXX. My fiance asked me for the last of my SS and from there XXXX XXXX stated she was going to have XXXX ( my fiance ) arrested for not giving out my phone number. She also told XXXX what the debt was and when it was from XX/XX/XXXX. I then told XXXX give them my phone number and asked them for the company name and address, XXXX was then hung up on. After that call I called XXXX and spoke with a representative stating this is my Debt from XXXX {$1500.00} court cost and {$510.00} cost to Advance America. I first asked for a validation of the debt, which she said she can not provide.I mentioned this debt is way passed the statue of limitations and said it was not.While I was on the phone with her my fiance got another call from the same company in which then she handed me the phone. I told her she can not threaten to have anyone arrested or sued over the phone as it is against the FDCPA. The representative stated if they are impeding on the investigation they can have them arrested This is a HUGE FDCPA case in which this company need to be closed for their improper business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute erroneous accounts with the credit bureaus but have received zero responses from Equifax, XXXX, and XXXX Under the Fair Credit Reporting Act, lack of response to serious disputes is a violation and the accounts listed in the disputes should be removed off of the credit reports. I have attached the most recent letters sent.
Product: Student loan

I have been paying on my student loan since XXXX. The original load was {$8300.00} on XX/XX/XXXX. 

For several years, I have had my payments auto-debited. {$140.00} is deducted from my checking account monthly. In XXXX of XXXX, my auto-debit continued, but the amount applied to interest changed dramatically. I was current on my loans- in fact, a few months ahead of the loan schedule. There were no issues with payments. I had an APR of 5.125 %. 

In XXXX of XXXX, without warning, the amount of my {$140.00} payment applied to interest went up to {$45.00}. In the following 4 months, XXXX XXXX, 100 % of my payment was applied to interest. So, in fact, my principal actually increased during those months. 

Payments stopped from XXXX XXXX XXXX XXXX XX/XX/XXXX, auto-debit resumed with {$140.00} going entirely to interest. In XX/XX/XXXX, {$77.00} went towards interest. I contacted Nelnet 's help chat function who told me they were pre-charging interest. I asked if I would get a refund if I paid off the account, and I was told no. My balance should be HUNDREDS of dollars lower as that is how I originally set up my auto-debit. I trusted the terms of the payment would not be changed without my consent. 

I would never pre-pay interest on a loan. For over a decade, I paid {$140.00} every month as an amortized loan where the principal continued to be adjusted. I am disgusted that I made my monthly payments and my principal only increased for several months. Now I'm being charged interest on that increased principal.
Product: Credit card

I had a {$2000.00} credit limit with PayPal, I was a little over my limit because of interest, I had made all payments and I paid the balance in full. They first added interest to the account after I had paid the balance in full the same day. Then they decreased my credit limit to {$100.00} after I had paid the entire card off. The same day the payment processed they decreased the credit limit to {$100.00}. 

I messaged customer service because I thought there had to be a technical issue but they told me that they had a periodic review and I would receive information is XXXX business days. I asked to speak to someone else or for there to be an additional review and they said they didnt have any additional information and that I would receive a letter. I stated that this was unacceptable that customers should be rewarded for paying off their accounts not punished and they didnt have a response. I said I wanted to close the account and they closed it. 

This is incredibly bad practice, for me to pay off the entire balance them to slap interest on it the same day, I pay the interest, and they lower the account by {$1900.00} dollars.
Product: Credit reporting or other personal consumer reports

I leased my car on XX/XX/XXXX for 36 months, due back on XX/XX/XXXX if I wasn't purchasing the car. On XX/XX/XXXX, my XXXX XXXX XXXX was stolen and not recovered until XX/XX/XXXX. XXXX, my car insurance provider, declared on XX/XX/XXXX that the car was a total loss. They requested a letter of guarantee from XXXX, being told that it would take 10-14 business days. Due to some internal issue with XXXX, this request wasn't processed until XX/XX/XXXX, which delayed the timeframe for the final payment to be paid and sent to XXXX. The payment was sent to XXXX in XXXX and applied to the account on XX/XX/XXXX. This payment was in the amount of {$29000.00} and applied to my account backdated to the date of the theft, XX/XX/XXXX. I've been in contact with all parties involved ( XXXX, XXXX, XXXX ) to stay on top of any additional payments that needed to be made to settle the account and was advised that I would need to pay XXXX as a deficiency payment. This amount was not known to the Writer until the XXXX payment was confirmed on the account. I was told that this would be the final payment, and I made that payment on the account for {$330.00} on XX/XX/XXXX. I was advised that this payment would not be due until XX/XX/XXXX. On XX/XX/XXXX, I was alerted that due to a late lease payment to XXXX, my credit score dropped XXXX points from a FICO score of XXXX to XXXX. I was told the weekend of XX/XX/XXXX that my credit was still being suppressed, but this was evidently a lie. I've since been in contact with XXXX, and they can not provide much detail to confirm why this error occurred, let alone a way to reverse the damage they've done. For the past 5 years, I've been on a waitlist to get into a COOP complex which requires me to have a XXXX or higher credit score. All this time, I've managed to keep my FICO score in the mid to high XXXX. I'm responsible and pay my bills on time during this extremely difficult period. Due to XXXX 's erroneous report of my account being past due, I now have an interview to move into an apartment complex that I will now likely be denied due to XXXX not doing their due diligence to keep my credit score suppressed. I was advised that the account stayed suppressed until the payment was applied to the account on XX/XX/XXXX. Though the requested payment of the deficiency payment was made timely and in the amount requested, I found that the XXXX XXXX was requesting a payoff payment in the amount of {$120.00} on XX/XX/XXXX, which I decided to go ahead and pay since I no longer trust that what XXXX is telling me is correct. All this time, XXXX has been requesting monthly payments under my lease contract. My next lease payment is scheduled due on XX/XX/XXXX, and I'm afraid to wake up on Monday and see what more damage they do to my credit score since they did not take care of this account timely and efficiently.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOATING MY CONSUMER RIGHTS TO PRIVACY PURSANT TO 15USC 1681B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHINGUSIND MY INFO PURSANT TO 15USC 1681 4 CHAPTER7 BANKRUPTCY XXXX XXXX XXXX XXXX. 

I DID NOT AUTHORIZE THESE INQUIRIES AND THEREFORE I AM REQUESTING THAT THESE INQUIRIES BE REMOVEDFROM MY CREDIT REPORT. 
THESE INQUIREIES WERE MADE WITHOUT MY KNOWLEDGE. 
PLEASE REMOVE THESE INQUIREIES FROM MY CREDIT REPORTAND SEND ME AN UPDATED COPY ONCE IT HAS BEEN REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is very similar to the one that was just settled with the bank returning the money. I have a very good friend in a hospital in California. He has a XXXX XXXX that is malignant and needs surgery. He doesnt have insurance or money. The hospital was requiring {$62000.00} deposit for a surgeon that we flew to XXXX  from XXXX renowned for that surgery. My friend does car business with XXXX XXXX near the hospital. His fianc lives in XXXX XXXX  where US Bank is located. Her name is XXXX XXXX she is a customer there. The ownership suggested I send a cashiers check XXXX would take it with her to XXXX  on a pre planned trip. I mailed the check overnight to US Bank manager XXXX XXXX, he put a 7 day hold but she was just going to pick the check up. During the hold period XXXX had a XXXX episode and spent about 3 days in the hospital. When she was discharged she went to the bank to pick up the check. Apparently she was medicated to the extent that she couldnt answer the questions that were asked. After the check arrived overnight I called the bank and explained truthfully what the situation was for my friend and the fact that XXXX was volunteering to deliver the check since she was going to visit her fianc. The problem is XXXX the manager refused to give her the check and since XXXX he has refused to return the check to me, thats a lot of money. It was sent to the fraud department they still have it. It was signed for at the bank on XX/XX/26. They decided it was fraud or a scam. Im still trying to help my friend. US Bank XXXX, XXXX  ph. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my TransUnion credit report for inaccuracies and for TransUnion to send me an updated credit report. XXXX has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.
Product: Credit reporting or other personal consumer reports

After doing some research i found out my data was leaked in a breach. I don't know how this happens but it resulted in multiple accounts that werent mine on my report. There were 5 as of XX/XX/XXXX. The accounts are XXXX XXXX XXXX opened on XX/XX/XXXX with a {$820.00} balance. XXXX XXXX XXXX opened on XX/XX/XXXX with a {$1300.00} balance. XXXX XXXX opened on XX/XX/XXXX with a {$4400.00} balance. XXXX XXXX opened on XX/XX/XXXX with a {$1800.00} balance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a {$1200.00} balance. As you can see most of the accounts were opened within the same time frame.
Product: Credit reporting or other personal consumer reports

I

n 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. Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 instructions 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.
Product: Credit card

I have been an extremely loyal customer to Citi for nearly a decade. In that time, I have NEVER paid late on my account. Upon checking my credit report I was astonished to find out that there was a late report on my account in XXXX of 2014. 
The late report was due to Citi not applying a payment. Citi stated that the account that I used to make my monthly payment was frozen ( I used my routing number and account to pay ). This was inaccurate because the payment went through using the same account as a debit card transaction. This account has never been frozen and it has always been and still is in good standing ( I have a letter from the company stating this ). 
This has caused my credit score to drop as well as my credit limit to be reduced. Citi will not remove the late payment. They are just reiterating facts and not taking responsibility for their system misidentifying my payment account as a frozen account. This is the reason why my payment was received after 30 days even though I attempted paying my account twice. I even made XXXX payments that finally went through correctly to bring my account current as I am a responsible customer that does the right thing. Citi does not want to rectify their mistake when dealing with a long term, loyal customer with spotless payment history.
Product: Mortgage

I have been attempting to reach a resolution of this mortgage for several years. In XX/XX/XXXX, I was approved for a trial modification, which began on XX/XX/XXXX. I made monthly payments pursuant to the trial modification in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. I was able to make these payments without any financial hardship. I would continue to be able to make these payments if the lender were to allow me to do so. 

In XXXX XXXX, I received a letter from M & T Bank ( the servicer for my loan ) dated XX/XX/XXXX. This letter advised me that my request for mortgage assistance had been removed due to liens or judgments that [ I allegedly ] did not satisfy. After speaking with M & T Bank, I learned that this action was being taken because they had not yet received the quitclaim deed from my ex-wife for the property. The difficulty in getting this to the bank was not due to my own neglect. Nevertheless, after learning of this action being taken, the lawyer who represented me in my divorce was able to expedite the execution of the quitclaim deed, which was promptly sent to M & T Bank. 

By the time the quitclaim deed and divorce decree were sent to M & T Bank, they required me to resubmit a loan modification application. I complied with this request. On XX/XX/XXXX, I learned that I was now being denied for a loan modification. I called M & T to inquire as to why. They explained that they analyzed my application based on my XX/XX/XXXX income. The fact is that in XX/XX/XXXX, I worked fewer hours, and the monthly income is not a fair representation of my usual earnings. M & T Bank was aware of my yearly earnings, yet based their analysis on a limited snapshot that did not properly reflect my earnings, and thus my ability to pay this loan. 

I think it is entirely unfair that M & T Bank offered me a trial loan modification, which I successfully paid without difficulty ; withdrew my request for assistance due to a missing document, which was missing through no fault of my own and which was promptly provided to them ; analyzed my additional request for mortgage assistance based on a time period that was not properly reflective of true earnings ; and then denied my request on the basis of this limited time period.
Product: Bank account or service

Wells Fargo Bank has charged my business account for QuickBooks service without my permission. I had subscribed to this service on one of my business accounts. I subsequently closed that account. 
Without notice to me or any specific permission from me, Wells Fargo began billing for their QuickBooks services on a separate account. I never asked for this service on that account and they claim that my consenting to the service on one account constituted consent for any other account which I had open.
Product: Credit card or prepaid card

Just started using the American express card. There's no spending limit on this particular card and after using it for approximately 2 weeks we made our first payment to the credit card which effectively, and for unknown reasons locked up all of the credit cards for our company. 

The payment was made in the previous week early on and by Monday the following week the payment had not yet been received the cards were still not usable. When queried the company said that this is because we were attempting to make our first payment. Until a relationship was established with our bank the credit cards were going to remain locked. To be able to use the credit card up until the first payment is made and then lock the account? This makes no sense to us at all.
Product: Mortgage

Currently in forebearance ; have tried to contact about loan modification the last two months without response via online, phone, and email. As of XX/XX/2020 it shows a investor full settlement even though we have requested a loan modification and have not been notified. Why isn't my servicer answering any of my correspondences? 

XXXX XXXX  - Loancare Servicing XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting addresses on my consumer report and I did not give them permission to do so, also they did not give me the three disclosures about nonpublic personal information.

They are in violation of 15 U.S. Code 1681b ( a ) ( 2 ) They are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) and ( C )
Product: Debt collection

ON XXXX I saw a charge off on my credit report from company Caine & Weiner i called spoke with a collector who I explained i never received any notices validation letters anything that was sent out prior to just putting a charge off on my credit she said they emailed me a settlement letter for XXXX something trying to get me to settle told her i never received that and told her I am willing to settle at {$1200.00} she said she cant do it ask for her supervisor which was the worst person I ever spoke with she was rude a bully very defensive she scream yelled at me refuse to let me talk she told me her company does not offer settlements told her that info is false her collector just told me a settlement was offered and emailed to me she became extremely upset scream called me unkindly things and refuse to talk and she hung up on me this is how progressive allow their customers to be treated being abused by a collections agency this is not right and consumers like me we need protection UPDATED NEW NUMBER XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my XXXX, Experian and XXXX reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.