23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wife 's ( XXXX XXXX purse was stolen from a rental car in XXXX XXXX, CA, while we were on vacation. We contacted Capital One Bank at the number on the back of XXXX 's card within hours of the purse being stolen. We gave them all the information. They wanted a copy of my wife 's credit card ( stolen w purse ), a utility bill ( we live in Maine & we were in California ), and a copy of my wife 's social security card ( also in Maine ). They inquired about some purchases made on the card and we told them they were not ours. When we returned to Maine, we sent the required documents as soon as my wife got her replacement driver 's license. They responded that they could not accept a XXXX XXXX bill as a utility bill. We explained that that was the only utility bill in XXXX 's name. They wanted a copy of our bank statement, which we refused to give them as we did not want them to have any more information about our finances. We then changed the electric account to her name, but a bill would not be sent for another month. However, the electric company sent a letter to us to give to Capital One that showed XXXX to be the account holder, and assured me they had done this many times and it was accepted as proof of account holder. We sent that to Capital One, and they refused it, saying it had to be an actual utility bill. 
I have to admit that at that point, months after they had been notified and all the above happened, I refused to send anything else. I sent a letter to 3 addresses I was given by Capital One personnel for the corporate office to get involved ( letter available upon request ). I have USPS tracking proof that they were delivered. There has been no response since XXXX. 
We then called again, talked with a manager who said there was nothng that could be done. I asked for the name and number of the legal department or anyone outside the fraud department, we were told that no one could talk about the case because it was marked " restricted '', and that she could not give me the name/number or be transferred to any one else.

We are at a loss. We reported the theft of at least 5 other credit & debit cards at the same time as the Capital One and all were replaced within 2 weeks. We think this is highly outrageous behavior. We paid all the actual charges we did make to the card, and the interest we accrued on them AND the fraudulent charges, thinking this would end this farce. I even included a letter with the last payment and told them what I was doing, showed them the figures I used, and told them we were not sending any more money. Capital One has continued to send us bills with interest accruing on the fraudulent charges and the interest accrued on the unpaid statements. They have increased the number of emails to remind us of the overdue bills, and offered to set-up a payment plan. I hav not checked to see what the bank has done to our credit rating, but I am worried about that as well. 
We are at a loss as to what to do next. Please intervene on our behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold to XXXX XXXX XXXX  at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX. Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( 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 i would like a new credit report as soon as possible.
Product: Checking or savings account

XXXX of 2022 Deposited check. large sum XXXX plus. 
Wells fargo held the deposit for 18 days because of overdraft fees that my account had received. I never gave permission to enter their fraudulent overdraft program in the first place. I was charged excessive overdraft fees that totalled thousands of dollars. And then they double punished me by holding my $ XXXX deposit for 18 days. Clearly incurring interest on my money at my expense. went into branch and was dismissed by the manager on more than one occasion. Received no help. Filed complaints.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed all the correct paperwork according to the FCRA and filed a FTC report. I submitted this all to the credit agencies and nothing has been done and the disputes I filed are not being filed correctly.
Product: Vehicle loan or lease

XX/XX/XXXX payment made on boat loan # XXXX. Check did not clear my bank so I called and was told it was processed in a different amount on XX/XX/XXXX. I informed customer service that I had written the check for the correct amount and gave the number of the duplicate check I kept. Was told I could send a letter and they would check it out. I reached out to branch in XXXX Ohio where a manager named XXXX assisted me, got a person on the phone for a 3 way call, and was told by that individual that she could see the image of my check and that it was written for the correct amount. At that time I was given a case number XXXX. I was told they would process the check in the correct amount and I would receive a letter. I let some time pass, then called to check again. At that time, the customer service representative could not find anything under that case number. I had additional conversations with XXXX and XXXX who then passed it off to a regional manager named XXXX who never called me. 
Additional calls to customer service netted another case number and, finally, a contact with a woman named XXXX XXXX with whom I never actually spoke. I contacted managers through customer service and reached a manager named XXXX and another named XXXX, both of whom were very friendly but unable to assist me. 
In the meantime, I received calls from collections since the original payment which was posted in the wrong amount was reversed out. I gave the collections department the case number and learned that they do not communicate in any way with customer service, however, they did make notes on my account that I was working with customer service on the issue. 
The customer service person ( XXXX ) has offered two versions of what happened. The first version was that I wrote the wrong amount on the check in the legal line. The second version was that I never sent a check and someone else 's check was applied to my account. Story number two was delivered by yet a third manager named XXXX. XXXX suggested I make an extra payment to the account so that it appears current while they investigated. He suggested they could possibly back date that payment and correct my credit report. I made the payment within the 10 day window ( XX/XX/XXXX, letter ( attached ) dated XX/XX/XXXX and received on the XXXX ) but negative information was entered into my credit report prior to XX/XX/XXXX when the additional payment was made and before XX/XX/XXXX which, on my calculator, would be 10 days. 

XXXX subsequently indicated this would not be possible because he has no way of believing I ever sent a check -- even though one person saw the image in the process, and another claimed I wrote the check but put the wrong amount on the legal line. 

I will be paying off the loan in full tomorrow but I want my credit report corrected and acknowledgment of the image which exists at the bank so that I can deal with the outstanding check in my account.
Product: Vehicle loan or lease

Auto Loan Issue with Southeast Toyota Financial / World Omnicorp Financial - Lender is illegally charging {$75.00} prepayment penalty fees on a 63 month loan. 

Summary of issue : The lender charged me a {$75.00} prepayment fee for paying off my auto loan within 6 months. My auto loan term was for 63 months, and these prepayment penalty fees are illegal under federal law for auto loans 61 months or more as per XXXX and other sources. 

On XXXX, I inquired about the {$75.00} " XXXX XXXX XXXX '' in online ticket # XXXX. The lender responded XXXX, stating that " since the contract was paid in full within XXXX months after the date you signed it, we impose an acquisition charge of {$75.00}, for services performed on your behalf for processing this contract. '' I pushed back on this, and the lender responded in Ticket # XXXX : " Your Contract does not include a prepayment penalty, but it does include an acquisition charge, which is disclosed in your Contract, page three, section XXXX which states, You may prepay all or part of your Principal Balance at any time. If the contract is paid in full within six months after the date you sign it, we may impose an acquisition charge, not exceeding {$75.00}, for services performed on your behalf for processing this contract. If you prepay, you must pay the earned and unpaid part of the XXXX XXXX and all other amounts due up to the date of your payment. They noted the {$75.00} acquisition charge is authorized under XXXX XXXX. XXXX ( c ) : " ... the lender may impose an acquisition charge, not to exceed {$75.00}. XXXX, for services performed on behalf of the borrower for processing the retail installment contract if the contract is paid in full within 6 months after the effective date of the contract. '' However, as this {$75.00} is only being charged to individuals who prepay their loan within 6 months, it is a prepayment penalty fee, regardless of how they name it, and because it was a 63 month loan, it should never have been charged in the first place. 

I've have asked the lender to refund the {$75.00} fee, as my loan term was again 63 months, but they have not done so.
Product: Credit reporting

The bureaus produce a credit score, but refuse to explain how they calculate the score. they provide reasons as to the scores being low, but refuse to give specifics. 
For example, they will tell you your credit limit on your revolving account is too low, but my highest limit is XXXX. But they wo n't tell you what the limit should be. 
Given that this impacts my future credit applications/interest rates, they need to be transparent about this black box, or at least answer specific questions directly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report this inaccurate account XXXX  ( Account Number:XXXX  ), I noticed a late payment, this is inaccurate and is being reported. After closely looking at the Fair Credit Reporting Act, I have made note of violations made in handling the account and thereafter my dispute. Not only is the account billing error but are reporting an erroneous late payment. There are multiple violations in handling this dispute that are clearly outlined in the FCRA within law 15 USC1666. I would like to bring your attention to 15 U.S. code 1666- CORRECTION OF BILLING ERRORS, and blatant violations within these codes.15 U.S. Code 1666 ( a ) failed to acknowledge my dispute within 30 days of receiving it, as required, and 15 U.S. Code 1666 ( b ) failed to provide the results of their investigation within two billing cycles or a maximum of 90 days. Then 15 U.S. Code 1666a ( a ) reported the disputed late payment to third-party credit bureaus before resolving the dispute, which is a direct violation of the law. Also 15 U.S. Code 1666a ( b ) failed to notify me of the names and addresses of the third parties to whom you reported the delinquency while it was in dispute. 15 USC 1666b - timing of payments, the law clearly states : ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose regarding the items above having late payments, it is important to note that those are to be excluded from a consumer report as well, per 15 USC 1666b , so there are various violations your agency is committing by willingly continuing to report this information.

Under these laws, you are required to thoroughly investigate disputes, ensure accurate reporting, and maintain compliance with consumer protection standards. By continuing to report the inaccurate late payment, you are not only violating these regulations but also causing harm to my credit standing. To resolve this matter and avoid further action, I demand that you : Immediately correct the account ( by updating it to " Paid as Agreed '' ), and provide written confirmation of the update and your compliance within 30 days of receipt of this notice.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to GM Financial many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. GM Financial has refused to do so. I really need help with this issue.
Product: Money transfer, virtual currency, or money service

I have sent AUD  {$12000.00} XXXX using World-remit XXXX XXXX XXXX No. XXXX XXXX XXXX XXXX on XX/XX/XXXX. Since money was not deposited on receiver 's end until XX/XX/XXXX i asked them to cancel the transaction. Worldremit advertised in their website as a same day service but its been 3 weeks since my money has been debited neither it has been deposited on the receiver 's end nor i have been able to get refund. I have called them almost everyday but they have same answer '' we have not heard anything back from our local partner in XXXX, once we get reply we will inform you ''. 
Is this the right thing to do with customer? I have sent that money to pay the debt in XXXX and interest is incurring everyday and also currency exchange rate is changing day by day. 

Regards XXXX XXXX
Product: Mortgage

Back in XX/XX/XXXX, when we were on an XXXX, we were offered a home by XXXX XXXX on XX/XX/XXXX, and we bought the house paying a {$6000.00} deposit ( House was valued at {$160000.00} ). The loan was then taken over by Countrywide Loans ( CL ) and finally Bank of America ( BOA ), bought out Countrywide Loans, which went under. 
XX/XX/XXXX, I suffered a XXXX, caused due to a rear ending of my car by an errant driver, who had no Insurance. The illness caused the company ( XXXX XXXX , XXXX ) that I worked for, for almost 12 years, to lay me off on XX/XX/XXXX. Although unemployed with no means of income from the government ( due to my XXXX status then ), either in the form of XXXX or Unemployment, I continued payments on the house and in XX/XX/XXXX, I requested Bank of America to help me with a Loan Modification. The trial period of three months was also fulfilled but without a job I could n't afford it further and requested Bank of America to reconsider lowering the rate further for me to afford it. In the meantime a company called XXXX from XXXX, California, offered to help and ripped me of for {$1800.00}. 
Since then I have sent in XXXX XXXX prepaid envelopes of documents that the bank requested. Finally when I got a job on XX/XX/XXXX with XXXX , XXXX, I reached out to Bank of America, who once again dragged their feet on the issue making false accusation of incompleteness of documents, These documents were completed and sent to them with the help of their branch in XXXX. To make good my Loan with them, I saved and put down {$11000.00}, against the loan 's principal in XX/XX/XXXX 
Both of the previously mentioned companies took advantage of my status and did not pay me the prescribed wages for which they had filed for my employment. I have reported the matter of XXXX, in XX/XX/XXXX to the Department of Labor ( DOL ) and am still to get my back dues. Now that we are Permanent Residents, I have directly referred the XXXX XXXX having short paid me directly to the Texas Labor Commission. 
Bank of America kept dilly dallying the issue by claiming to be working on my loan modification and then coming up with fictitious claims that my application was incomplete. Now that the price of my home has improved, they are wanting to possess it by foreclosing on my property. 
All of the above has had a big toll on my health I beg you to please help me get this issue resolved. 
XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there not reporting my Fed loan account to credit bureau
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX been reporting to the credit bureau this account for XXXX years I explain to them I never had this account I attach a FTC report an identity theft report with this complaint XXXXXXXX XXXX is also the collection agency thats also reporting this account it is fraud an I want this remove from my credit profile an deleted. thank you
Product: Credit reporting or other personal consumer reports

I have a mortgage with SWBC. The account was on a forbearance during covid-19 and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. SWBC agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting of a charge-off and an extended period of late payments on my credit report. This reporting is not only inaccurate but also a violation of my rights under federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In addition to the inaccurate charge-off, this account has been falsely reporting over a years worth of late payments, dating back to XX/XX/year>. This is a clear misrepresentation of my account status, and such erroneous reporting has continued to severely damage my creditworthiness. The repeated inaccuracy violates the FCRA, which mandates that all information reported to consumer credit agencies must be truthful, accurate, and verifiable. 
Violations of Consumer Law As previously mentioned, the charge-off in question is being inaccurately reported. The furnisher 's failure to verify and correct this information upon my prior disputes violates Section 611 ( a ) of the FCRA. 
The continuous reporting of over a year 's worth of late payments from XX/XX/year> is false. Under Section 623 ( a ) of the FCRA, furnishers are required to report accurate and complete information. Failing to correct these erroneous late payments also constitutes a breach of this obligation. 

Fair Debt Collection Practices Act ( FDCPA ) Violation : If the entity reporting this information is acting as a debt collector, reporting false charge-offs and late payments constitutes a deceptive practice under Section 807 of the FDCPA ( 15 U.S.C. 1692e ). Such practices are illegal and harmful to consumers. 
This inaccurate reporting is harming my financial standing and has led to denials of credit and higher interest rates, all of which are unjustified due to the erroneous nature of the reporting. 
I demand that the CFPB immediately investigate this issue, enforce compliance with the FCRA and FDCPA, and ensure that both the charge-off and the inaccurate late payments are permanently removed from my credit report. The furnisher must be held accountable for failing to uphold their duty to report accurate information, and any continued failure to comply should result in appropriate penalties. 
I expect swift action and a full resolution of this matter, including the permanent deletion of all erroneous information. Please inform me of the steps that will be taken and the timeline for addressing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.