23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Greetings Everyone, I apologize in advance for the length of this explanation. It all occurred in a short period of time, but has some complexity to it. Still I will strive to be brief. 

XXXX been a Capital One customer for years, and was quite happy until this experience. 

This will involve three account numbers which are in chronological order ; XXXX I will call this the first account XXXX I will call this the second account XXXX I will call this the third or last account In XXXX, Capital One decided to issue a new card and terminate the first card. I did not know at that time this means, in their system, the account number changed with the card. So I continued to pay the bill as I always had. I had my credit union issue a check for the full amount due on time as evidenced by my proof of payment. 

Coincidentally, Capital One notified me of a small but suspicious charge against the first account. So I called them and challenged the charge. The attendant notified me that due to CAPITAL ONE policy they had to issue a new card and cancel the second account. Please note ; NOT MY CHOICE. The attendant agreed it didnt make sense, but it was policy he had to follow. This generated the third account. 

Meantime, my payment is being processed against the first account, while the charges were transferred to the second account. So CAPITAL ONE payment processing did not apply the payment to the related charges. I believe I made one charge to the second account and did my best to also pay it on time. Somehow, this payment was received and processed properly. 

CAPITAL ONE has NEVER acknowledged receipt of the payment to the first account and has never credited any of my accounts for the ( on time ) payment. I did have my Credit Union send them the proof of payment. They have not acknowledged receipt of that document either. 

For two months now, Capital One has been claiming past due charges, interest charges and damaging my credit to the loss of XXXX points on my XXXX credit report. 

I dont feel it is my fault or responsibility that Capital One can not keep track of the account numbers issued, who they belong to and what payments should be processed. It is beyond me why they dont assign customers a unique identifier and apply credits and debits without regard to account numbers. But they can have any process they like as long as it works. Theirs does not as my case demonstrates. 

Please help me resolve this issue. I would like Capital One to process the on time payment properly and cancel all related late fees and interest charges. I would also like my credit rating restored. 

Please find attached ; Statements for XXXX, XXXX, XXXX, & XX/XX/XXXX as well as XXXX proof of payment. 

Hopefully, and with Best Regards, dT XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT XXXX is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and XXXX has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Transunion has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Transunion but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a payment for my XXXX XXXX XXXX in the amount of {$13000.00}. US Bank only credited me with a payment of {$3700.00}. I contacted US Bank by phone on 2 occasions, and by e-mail on at least 3 occasions. They consistently deny that they received a check for {$13000.00}. I contacted my bank ( XXXX XXXX XXXX XXXX - XXXX ) to confirm that US Bank presented the check for payment, and that the payment has cleared. XXXX stated that US Bank presented the check 3 times for payment - the 2nd time due to stating the amount incorrectly the 1st time apparently. XXXX was unsure why they presented the check a 3rd time, but does confirm that US Bank received the payment of {$13000.00}. US Bank has had my payment for over 2 weeks, and  so far has refused to acknowledge this, and has provided no assistance during my multiple contact attempts as far as I can tell.
Product: Student loan

Edfinancial ( student loan servicer ) is MISAPPLYING PAYMENTS TO MY ACCOUNT AGAIN! 

Once again, Edfinancial is ADDING INTEREST TO MY LOAN IN VIOLATON OF THE DEPARTMENT OF EDUCATION RULES AND ALSO IN VIOLATION OF THE LAWS FOR LOAN SERVICING. 

My monthly payment in the amount of {$580.00} ( under the Income-Based Repayment Plan ) is due XX/XX/2023. I paid it early and in full by XX/XX/2023 which covers interest and some principal. On XX/XX/2023, however, Edfinancial did not apply this interest in full but instead applied only some of the interest to my loan and applied most of the payment to the principal resulting in outstanding, unpaid interest in ERROR to date! 

This is exactly the type of illegal practices I dealt with when XXXX serviced my loans for 31 years. They want you to have outstanding, unpaid interest so they can capitalize your loan balance over and over and over again. Like XXXX, Edfinancial is making numerous interest errors and payment errors! 

This needs to stop NOW! 

The state AG 's office needs to get involved because this is why people are going mad! 

I called Edfinancial today and my hold time was a minimum of 485 minutes. 485 minutes!!! I opted for a call back and the automated message said it would take at least 24 hours. 

This complaint, among other complaints, have not been resolved and every day it is another GRAVE ERROR on the part of Edfinancial. 

Thank you. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My cash app account was hacked back in XXXX. I was bit able to get assistance with that service request I submitted. I worked with my bank to move forward and created a new cash app profile. By this time, my only concern was that I purchased stocks via my old cash app profile. I emailed numerous times to get the stocks transferred to the new profile. Someone finally reached out last week to resolve that issue. Well they are providing me with instructions to transfer the stocks myself and the instructions are not working. I have reached out to the XXXX of XXXX, the VP of cash app and to no avail no resolution. Its not millions of dollars but I am a working class citizen and this is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not put a credit freeze on my account without sending or faxing personal I D including social security number. And they made me give them my SS number over the phone. 

It took me 2 minutes to freeze my account with XXXX and XXXX. 

Equifax is giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax knowingly left a security vulnerability on their web site allowing someone to download peoples data that we never gave them authorization to hold. I checked their security site and it said my data was probably stolen. Why ca n't they tell me for certain? Their only offer to help us who were victims of their decision to ignore known security vulnerability is 1 free year of credit monitoring. Except to enroll we have to agree to the use agreement which a ) contains legal terms and statements that I do not understand and b ) part of it says I agree to " arbitration '' and exactly what that means or applies to is unclear. I tried to find further information but they have no clear information available. I have spent hours now trying to find a definite answer and am more confused and very upset. I spent years building my credit to a XXXX FICO just to have a credit agency treat my private information as if it is less important than their bottom line. This choice is clear when they chose not to spend necessary money so they had an adequate level of security. Furthermore, I never gave Equifax authorization to have my data in their possession, other corporations did. Who is now legally liable for the choices made by these " corporations ''. If corporations are people why are n't the " people '' who are these corporations made to answer for breaking laws?! It was one or more individuals who made these choices to favor profit over consumers so this individual ( s ) should be indicted. Who am I supposed to turn to for advice on what I should do? I can not afford expensive financial experts!! Who can I turn to for assistance and questions I may have?
Product: Mortgage

I have never received monthly mortgage statements from SETERUS, Inc. SETERUS XXXX Inc. began servicing my mortgage in XXXX XXXX. I requested monthly mortgage statements via telephone in XXXX XXXX. I was told to make a written request to SETERUS. On or about XXXX XXXX, XXXX, I mailed a written request to SETERUS, Inc asking for monthly mortgage statements to be mailed to me and I requested an account payment history showing payments that I have made to SETERUS, inc. since they started servicing my mortgage. As of XXXX XXXX, XXXX, I have not received a payment history nor have I received a monthly mortgage statement as I previously requested in writing.
Product: Credit reporting 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Sears Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked Sears balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or Sears charged some kind of monthly fee, that I have no idea.

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly.

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card.

I reached Sears about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports.

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them.

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is showing up on my credit file as a charge off account and that {$700.00} was written off. 

Legal Basis for Complaint Violation of XXXX XXXX The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a XXXX form. The failure to issue this form, not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law. 

FCRA 1681s 2 ( a ) ( 1 ) ( A ) CFPA 1036 ( a ) ( 1 ) ( B )
Product: Debt collection

This is a complaint for the debt collector company- ProCollect.

I had resided in an apartment for 1 year and was charged a XXXX cleaning fee after moving out. The apartment complex, XXXX XXXX  XXXX, located in XXXX, Arizona did not send me written correspondence outlining the fee that was owed. In the move out notice it explained that the fees would be processed and mailed to the forwarding address on file once I moved out. I was waiting for this to be mailed to either myself or my mom as she was the cosigner. Since we received no correspondence in the mail, I expected no further charges were due. 

In XXXX I received two automated voicemails claiming to be a debt collection agency and that it was an attempt to collect debt. Two more voicemails were left in XXXX. I have been waiting for mail correspondence from the debt collectors as they must contact me in writing within five days of contacting me. 

Recently I was going though my voicemails and decided to give the number a call back. They had barely any account information only that it was from XXXX XXXX  XXXX and it was in my name. They were unable to accept payment and told me I had to email someone to obtain further information. They told me that in order to find out more information Mr. XXXX at ProCollect needed to take the restriction off the account. 

ProCollect -- the debt agency -- has not contacted me in writing nor is willing to cooperate over the phone regarding money owed. 

I ask for this company to prove that I owe money -- in writing -- and provide a secure means for me to pay the balance. I want it to be sent to both my mother and I as my mother was a cosigner on my account and should have been notified as well.
Product: Mortgage

Ditech took over a mortgage some time ago that did not have an escrow account. they placed forced insurance on the account, took part of the p and I payment for the escrow. declared the account delinquent. we have insurance on the account with them named. this has resulted in negative comments on my credit report.
Product: Mortgage

A home in a community I manage is in foreclosure during which portions of siding have fallen off the third floor side of the unit. Over a year has passed and nothing has been done. The sublayer is now warped and everyone passing this unit sees the dilapidated condition of the home. It is the only eyesore in this beautiful community. Each owner is responsible for their own exterior. We are no closer to getting it repaired than we were over a year ago.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ), due to inadequate customer service and unfair practices which violate consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) regulation E.

These actions has caused significant inconvenience and financial lost, and I seek appropriate redress for these violations
Product: Mortgage

STATEBRIDGE COMPANY continues to engage in fraudulent and deceptive practices regarding my mortgage # XXXX, NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Florida XXXX. On XX/XX/XXXX Statebridge sent me a letter finally confirming the proof of insurance I had sent them on numerous occasions, stating the forced placed insurance they assessed me for has been canceled as of XX/XX/XXXX. Statebridge has received mortgage payments from me, on time, in the amount of {$1500.00} each month but has failed to apply these amounts to my account. Statebridge has cashed these checks according to my banking history but has not credited me for them. They have charged me late fees and are now demanding payments they have already received. On XX/XX/XXXX I received my mortgage statement for XX/XX/XXXX and Statebridge continues to charge me for forced placed insurance, continues to charge me late fees for payments already received and HAS NOT credited my account for the forced placed insurance the assessed me in error. THIS GOES BEYOND GROSS NEGLIGENCE OR INCOMPETENCE, THIS IS A DELIBERATE ATTEMPT TO CONTINUE WITH THE FRAUDULENT PRACTICE OF FORCED PLACED INSURANCE. The history of this issue, documented on this website, clearly shows this company, STATEBRIDGE, is acting in deliberate bad faith and should be investigated by the attorney general immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires of unknown companys to show up on my report..
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my rights under THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, Experian, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX XXXX has shared my NPPI. XXXX, Experian, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the Gramm-Leach-Bliley Act. Edfinancial Services also violated my rights I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of XXXX states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties. In the federal student aid privacy policy, it states that XXXX as a server for Federal Student Aid student loans is under the Gramm-Leech-Bailey Privacy Information Act. Also XXXX XXXX XXXX. XXXX, XXXX is the master servicer for XXXX XXXX, and in XXXX XXXX XXXX act it states that XXXX XXXX XXXX are under the Dodd-Frank Act and CFPB. Here is the indenture trustees information. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XXXX ( XXXX ) XXXX I expect this Account to be discharged & to reflect as paid as agreed on my credit report to each agency immediately. I will file a report to the FTC If not resolved. 

XXXX XXXX Date : XX/XX/XXXX Account number : XXXX Balance : XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX Balance : XXXX Experian XXXX XXXX XXXX  Date : XX/XX/XXXX Account # : XXXX Balance XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Balance : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Balance : XXXX XXXX XXXX Date : XX/XX/XXXX Account # XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED
Product: Credit reporting or other personal consumer reports

GENESIS CREDIT MANAGEMENT , LLC is Reporting on my credit report without my consent 16 CFR 433.1 - Definitions. 

of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows :