23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was under the impression that my account was set up with auto-pay for my Capital One account and it did not go through for a very small amount for 60 days leaving serious delinquency on my account. I have never made any late payments on this account and it was a mistake. In accordance with the Fair Credit Reporting Act, the creditor " Capital One '', has violated my rights under 15 USC 1681 section 602 that states I have the right to privacy 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$6000.00}
Product: Debt collection

I received a notice in the mail yesterday, 7/31/19, from a debt collection company called Convergent. They stated I owed my former XXXX office, XXXX XXXX XXXX, XXXX. I have not been to them in 2 years. I immediately called XXXX XXXX. They have no record of me owing that much or that anything on my account was sent to collections. I researched Convergent, who for all intents and purposes, look like a legitimate debt collection agency. I called them to settle the matter. It took over an hour for me to get through to the correct department. When I finally spoke to a rep named XXXX, he was very hostile from the start. They have this collection dated for my last appointment 2 years ago. Convergent says my debt was sold by XXXX XXXX to a company called XXXX and Convergent is trying to collect my debt on behalf of XXXX. Despite this, they could not give me contact information for XXXX. I reported this debt as fraud to them and tried to call XXXX XXXX back but they were closed for the day. I then called my previous health insurance company to check what my last claim for XXXX XXXX was. They said that I had a copay and a deductible which, again, were not anywhere near the amount Convergent is trying to collect. When I got through to XXXX XXXX the next morning, they told me the amounts that they had on file for my last payments. Those amounts did not match the XXXX at all and they were marked as paid. They said they don't deal with either of those companies for debt collection. They deal with XXXX  XXXX XXXX and gave me the number. XXXX XXXX  XXXX  says they have no record of any debt I owed on file and they do not buy or sell debt. When I contacted Convergent again, I was bounced around until I finally landed with a woman named XXXX. She said the account has been marked as fraudulent and they will contact me after they look into it. I don't understand how you can "buy debt" and have no way of tracing it back to its original source to verify if it is true or not! My credit and my sanity are taking a hit because of a XXXX debt that no one has any record of!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital one 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card

XXXX : notified credit card company to inquire why they reduced my credit line without notifying me. They did mot answer.
Product: Debt collection

MCM or midland credit management has now called me back to back within 2 seconds of each other 2 days in a row. Both times i answered they asked for myself and the call ended. At this point i am feeling harassed and i believe this is a violation considering both times i answered my phone and they asked for myself. This is also not including the other days that they called me this week. I am going through a hardship currently and this is just adding more and more stress with the back to back calls harassing me which is adding more stress. I attached all calls that i have gotten from Saturday XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SSN XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( Current ) XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( previous ) Subject : Dispute XXXX XXXX XXXX from my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; XXXX XXXX XXXX sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''. 
Count 2, XXXX XXXX XXXX never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is XXXX XXXX ' fault for not giving/sending the disposition of the vehicle as required by the law. 
I politely request to investigate my claim based on my attached evidence and delete from my report.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I HAD A UNAUTHORIZED WIRE TRANSFER TO MY SAVINGS ACCOUNT ON XXXX XXXX XXXX FOR XXXX XXXX XXXX DOLLARS AND ANOTHER CHARGE FOR XXXX XXXX WHICH I DID NOT APPROVE. WELLS FARGO SAID SOMEONE CALLED IN AND PROVIDED ENOUGH ACCOUNT INFORMATION TO APPROVE THE TRANSFER WHICH I KNWE NOTHING ABOUT AND HAVE NEVER MADE A WIRE TRANSFER IN MY LIFE WITH ANY FINANCIAL INSTITUTION.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened at XXXX XXXX {$770.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

On XX/XX/year>, I paid the entire amount of my Chase British Airways credit card debt online by selecting the " current balance '' option : {$10000.00}. 

The Due Date was XX/XX/year> Today, XX/XX/year>, there is a new balance of {$56.00} No purchases have been made and nothing was When I called Chase this afternoon to inquire about this charge they said, ... it was interest since my statement. 
They said that interest is separate from the " Current Balance '' owed. 

I asked to speak with a supervisor, and I told him I selected the " current balance '' owed option. And to take off this {$56.00} bogus charge. 

He said no.
Product: Payday loan, title loan, personal loan, or advance loan

I received a unsolicited check in the mail for {$3100.00} from Mariner Finance in XXXX XXXX Ga. I deposited the check in my bank and read the amount of interest they wanted and the the add ons for different things, so I saw where they gave a 15 day guarantee for the loan for refund of the money and I directed my bank to refund the {$3100.00} and the bank sent a check for XXXX to Mariner finance in XXXX XXXX Ga. They now want me to pay them an additional {$300.00} for interest on the loan. They are holding the bank check saying they want it certified or cash. I am XXXX XXXX XXXX but I am not a fool. How can a business do this to people and try to get away with it. I sent a letter requesting cancellation the same day the bank sent the check.
Product: Student loan

I co-sign for my daughter 's student loan. She had said that they do not allow principle only payments. I was incredulous as this is effectively a pre-payment penalty which their contract indicates they do not inflict on student loan borrowers. 
When I called to make a principle only payment, I was firmly told this was not possible and that it had to apply to an upcoming following payment. Note that the loan is not past due or in arrears in any fashion. 
As stated, this is effectively a prepayment penalty as even if a larger payment was made on an upcoming regularly scheduled payment, the interest would accrue on the larger balance until the time of the regularly scheduled payment. 
I would reject an excuse by the company that they do not have the ability to process principle only payments as a multi-billion-dollar company they obviously have the existing technological capacity to easily accept such payments. This is simply a purposeful decision by this company to deviously increase interest revenue at the expense of unsuspecting student loan borrowers.
Product: Checking or savings account

I am XXXX XXXX and based in XXXX XXXX XXXX XXXX As a concerned victim, I am writing to flag that there was an unauthorized checking account that was opened under my name in XX/XX/XXXX without my knowledge. The fake account has led to my newly opened accounts being on hold or blocked. 

I have formally contacted Wells Fargo to demand since XX/XX/XXXX that they conduct a thorough investigation and address the issues by XX/XX/XXXX. I am still waiting for their formal answers at this time. 

Background : I have not banked with Wells Fargo until XXXX when I was trying to open a checking account with Wells Fargo to take advantage of a promotion on XX/XX/XXXX. With the great help from their XXXX branch staff, I was able to open a saving and checking account on XX/XX/XXXX. However, Wells Fargos Loss and Prevention called me the very next day letting me know my newly opened accounts will be closed by XX/XX/XXXX due to a previous and problematic account under my name. 

This news is SHOCKING since I have never opened any accounts myself with Wells Fargo before. I reached out to the branch manager who kindly helped file a formal case with Wells Fargos ID Theft department on XX/XX/XXXX. In the meantime, I have also filed an ID theft case with XXXX accordingly and am considering filing a policy report as well. 

When I contacted their ID Theft team, I was told the unauthorized checking account was opened online in XX/XX/XXXX and someone deposited a few XXXX XXXX XXXX  checks into the fake account. The account was closed by Wells Fargo in XXXX or XXXX of XXXX. 

My asks to them were to get back to me by XX/XX/XXXX with a formal communication on the following : XXXX ) How could Wells Fargo not follow the banking regulations and approve an online application without fully validating the true identity of the applicant in XXXX? I would demand that Wells Fargo provide me with the name ( XXXX ) of the reviewer/approver and what information they cross-checked ( name, SS, XXXX, XXXX, drivers ' license no, phone no, e-mail, etc ). 

XXXX ) How come I have never been contacted by Wells Fargo by phone, e-mail or received any banking statements in the mail for the unauthorized account? I would demand that Wells Fargo provide me with a banking history report with all activities associated with that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 hard inquiries on my credit profile and I tried to dispute them with TransUnion but they were unable to help me at all. I called and tried several times and dont know what other method to use outside of you guys in order to fix this problem. 

XXXX - XXXX XXXX  XXXX XXXX - XXXX PLEASE DON'T HESITATE REACHING OUT TO ME SHOULD YOU HAVE ANY FURTHER QUESTIONS. 

THANK YOU.
Product: Credit reporting or other personal consumer reports

i calleto inquire about the identity thef master insurence policy that was stated to have been provided to tranunion XXXX and request a copy of the detailed version of the policy which it says i can contact transunion to make the request was directed to a identity theft number and i was directed somewhere else and kept being directed back and forth without solving my request
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602A. states I have the right to privacy. 

These addresses and incorrect spellings of my name do not belong 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
Product: Debt collection

This company is reporting false inaccurate information to XXXX. I also found that my interest is not allowed to be no more than 24 % by Florida law. They have it listed as 178.47 % on this document! Which exceeds Floridas rate caps. They are using usury which is illegal. They have not followed Florida law requirements to process such a loan and their website is very misleading. This is a direct violation of the Florida law and my consumer rights. I ask that this account be removed from my credit file.
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 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. 
Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, my Mortgage Company ( Dovenmuehle Mortgage, Inc / XXXX XXXXXXXX XXXX ) and I entered negotiations for a loan modification due to a family hardship that caused us to become late on our XX/XX/XXXX and XX/XX/XXXX payments. The terms of the agreement were finalized in XX/XX/XXXX and agreed to by both parties and the new terms would have a 3 Month trial period ( XXXX, XXXX and XXXX of XXXX ) we completed the terms as stated in the contract ( attached ). It clearly states on pages 11 and 12 that the agreement that my right to appeal ends on XX/XX/XXXX and we did not choose to appeal therefore per the details of page 12, we should not have any additional late payments beyond XXXX as we made the payments of the agreement early or on time for XXXX, XXXX and XXXX. The trial period was completed and the official modification took effect in XX/XX/XXXX and we made that payment and all future payments on time until we sold our house in XXXX of XXXX. I am submitting supporting documentation showing the payments made and clearing our bank account, the trial period agreement, and the terms and conditions of the modification and need the late payments reflected on my credit report for XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX be removed immediately from my credit report.
Product: Debt collection

I am submitting a complaint against an unidentified entity, Aidvantage, which I have never encountered before. I am uncertain how they obtained my non-personal identifying information, including my Social Security number, phone number, mailing address, and date of birth. This information has been misused to reactivate a fraudulent account in an attempt to collect payment on an account that was settled and closed in XX/XX/year>. The two accounts in question are clearly fraudulent and pose a security risk due to a potential data breach. I have already filed an identity theft report with the FTC and am currently in the process of filing a report with my local law enforcement agency. This erroneous report is adversely affecting my consumer credit report. XXXX XXXX was the original creditor and subsequently sold the loans to XXXX for a fraction of their value. I have received a 1099-C form to report this income to the IRS. Aidvantage is inaccurately reporting information and income on my consumer report, which is illegal. This income has already been reported to the IRS as taxable income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX XXXX account XXXX XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact XXXX XXXX Experian and XXXX and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to NCB Management Services , Inc. to provide me with a SIGNED and DATED ORIGINAL CONTRACT between myself, XXXX XXXX and NCB. They still have not provided me with the information I've requested ( now demanded ). 

According to the last results from a previous dispute : The account is an auto loan originating with XXXX on XX/XX/XXXX for the purchase of a XXXX XXXX, XXXX. As a result of XXXX selling the account to NCB, they assigned their rights regarding this account to NCB. 
This statement means XXXX has sold this contract to another company. That means the contract between me and XXXX is CANCELLED. THE DAY NCB FINALIZED THE SALE OF THE DEBT FROM XXXX, THE CONTRACT HAS BEEN CANCELLED. 

As stated in our letter dated XX/XX/XXXX, NCB is now the current creditor to whom the debt is owed. 
This statement means NCB is now the credit for this debt. Since this debt is carried under NCBs umbrella, WHERE IS THE WRITTEN AND SIGNED CONTRACT BETWEEN ME, XXXX XXXX AND NCB?!? I have been repeatedly asking for the SIGNED contract between myself and NCB. They continue to grandstand and NOT service my request. They keep sending me alleged documents between me and XXXX but not the SIGNED contract between myself and NCB. 

I have attached the request letters sent directly to NCB to send the contract I've request ( WRITTEN and SIGNED contract between myself and NCB EXCLUSIVELY ) and the latest copy of the response they have sent. Please pay attention to the information highlighted on the first page of NCB 's document.
Product: Vehicle loan or lease

Ally financial repossessed my vehicle in XXXX, XXXX.and tansferred the title to their name for purpose of selling the vehicle, according to correspondence sent to me in XXXX, XXXX. I had been in constant contact with them, received a pay off amount of XXXX and provided them a date that I would recover the vehicle. On XXXX XXXX, I received notice of the title change and offer to refund me fees related to title transfer back to my name. Ally Title Administration received my request for reimbursement on XX/XX/year>. To date I have received no reimbursement, nor will they return my calls. 
While in the DMV yesterday, I was made aware that title was officially transferred yesterday XXXX XXXX. Since I have no access to my account at all, Ally continues to accept my payments through athird party vendor with an additional fee of XXXX. The loan matures XXXX, XXXX  is why I need access to my account.
Product: Mortgage

On XX/XX/2017 I prepaid my property taxes in the amount of {$5500.00}. I promptly called SLS the same day, spoke with a rep who asked me to upload a copy of the receipt I received as proof of payment. The same rep acknowledged receipt of the proof of payment while I was on the phone and said within 7 days I should get a call back. 

Shortly after the XX/XX/XXXX, I called XXXX back and was told an escrow analysis will be conducted and I should get a check in the mail in about three weeks for the escrow balance. 

I called SLS again on XX/XX/XXXX and spoke with XXXX, teller ID # XXXX, on a recorded line, who confirmed all the above facts ( I asked him to walk through the details purposely to ensure the facts were clear ). XXXX could not advise why the escrow analysis was not done, why no check was sent to me, and asked I give him until close of business XXXX for a return phone call before filing a complaint with the CFPB. I received no such phone call from SLS. 

All calls with SLS are on a recorded line, and after multiple attempts at trying to resolve this with SLS, the CFPB is my only recourse here. SLS has a pattern and practice of mortgage servicing weaknesses, I have to had to file a previous complaint concerning improper withholding of PMI. Thanks in advance for your help.