23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a reduced payment plan with capital one and my final payment on the plan was due in XXXX that regular payment was suppose to go back to XXXX. The amount of XXXX I paid the amount.capital one claims that I owe XXXX XXXX more and that Im 13 plus days past due I have spoke. To multiple supervisors and they documented that I should not have a past due balance that I complied with my end of the payment plan agreement on.
Product: Debt collection

This is concerning a complaint I already made, but since I cant upload new documents to a former complaint, Im starting a new one. Midland funding LLC is threatening wage garnishment from a debt they bought. This debt was from a XXXX  XXXX credit card. The card was officially closed on my credit as of XX/XX/XXXX, which means capital one has charged it off on their taxes, being XXXX XXXX XXXX, but somehow this 3rd party Midland Funding LLC is still trying to come after me for it. The document provided for the wage garnishment only has the name of the municipal court but isnt actually a court document. Its stating that Midland was coming after my wages and was only signed by the creditor, but no signage from a court official. This is the only documentation I have received regarding this very old account. I have a screenshot of my credit report saying the date of closure was XXXX, but the lady from midland said the account didnt go delinquent until XXXX. She was rude and spouted off a bunch of information at me but wouldnt listen to me when I told her I believe her reporting information was incorrect. She said it wasnt illegal to buy debt, but I believe consumer law states that once a debt is charged off from one creditor, its illegal for another to come after you for it. Statute of limitations where I live is 6 years but its been almost 8. This account is no longer reported on my credit either.
Product: Money transfer, virtual currency, or money service

I am a decade+ customer of US Bank . I have a checking, savings and business account with US bank. 
Us Bank has incessantly advertised its XXXX app on my banking accounts. 
It has suggested I use it for bills, transferring money and more. 
I see it in my login screen and as a suggestion in my mobile app. 
Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through XXXX. 
Believing the product must be reputable, the payment was sent. 
After sending, our friend asked us to send a screenshot. 
I found this odd, as we've done business several times. 
So I asked him to call me and when he refused, I found that his XXXX account was hacked. 
Within literal minutes of sending the payment, I called US Bank. 
They said XXXX is not their app, its a 3rd party and there was nothing they could do. 
I asked if they could NOT send the funds, because the funds WERE NOT SENT. 
They said no. 
I called XXXX, it had no options for fraud, for support and the system hung up on me twice. 
I called US Bank back and explained that we should have the ability to mitigate our losses, that US bank advertised this app in a way that made it seem like it was a part of their services and an app owned by them. 
They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. 
US bank has no stop payment No cancellation No communication with XXXX No CONTROL is provided to me, the customer defrauded by the app it touted. 
Now that I've been informed XXXX isn't part of US bank, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. 
This is extremely misleading. 
They should not be pushing an app that they can not offer protection when using. 
ESPECIALLY during an age where we are so vulnerable to cyber crime. 
I dont ' know what the CFPB can do, but this definitely deserves attention and investigation. US Bank should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it.
Product: Checking or savings account

My father was XXXX XXXX, and having a hard time managing his money. I was assigned to be a Financial Guardian for my father. This was a court appointed guardianship. In order to help my father manage his money, a checking and a savings account was opened in his name. I also signed the paperwork, although it was signed as the guardian of my father. The guardianship was later terminated by the courts. More than a year later, the savings account overdrafted. The bank sent the overdrafted account into collections. 

My dispute is that this account was opened for my father. The [ senior level ] banker who helped me open the account, was informed of the situation. The banker was aware that this account was to be my fathers account, although I would be managing the account for him. Once the guardianship was terminated, the bank account was still to be for my father, and I was no longer able to manage any funds for him. The account in collections should be against my father only, as this is his account because the guardianship no longer exists. 

I have tried explaining this to the bank, and they would not speak with me. They only sent the account to collections against me.
Product: Mortgage

i am licensed GA real estate agent. I am extremely active in the real estate market and do a significant number of transactions. Even with my my significant real estate experience, I have come across a situation that not anyone I have contacted can help resolve. We are scheduled to close on my primary home and a line of credit from Wachovia ( now Wells FArgo ) has shown on title to the property. We have over 100 man hours ( no exageration ) attempting to get in touch with someone at Wells Fargo. This includes the attorney 's office. We have escalated to the " Office of the President '' at Wells FArgo. Wells Fargo will acknowledge we have a XXXX balance but they will not give a release. Without a release, I can not convey the property. 

We are going to make a complaint with the Department of Banking and Finance. Unfortunately, that is a slow process and could take several months to resolve ... .no guarantees on this course of action. 

We could hire an attorney but an attorney in this field is going to charge {$350.00} per hour. The number of hours that the closing attorney has put into this researcjh and our time is once again over 100 hours. You can see the 100 hours at {$350.00} per hour gets very expensive. 

We are scheduled to close this Friday. We are truly at our wits end. 

Even with my tremendous amount of experience, this has stumped everybody involved and we have no idea what to do.
Product: Credit card

XXXX XXXX XXXX After analyzing each statement in XXXX  XXXX thru XX/XX/year>, here is what I found : After analyzing the billing statements provided, here are some identified discrepancies and details that may require further review : Interest Charges and Promotional Plan Balances : Interest charges seem to vary significantly from statement to statement, despite no new purchases. This includes high interest amounts applied to promotional plan balances after expiration. Example : XX/XX/year> statement shows a total interest charge of {$45.00}. 
XX/XX/year> statement shows zero interest, then XXXX shows {$51.00}. 
Expired promotional balances ( e.g., {$260.00} due by XX/XX/year> ) may now be accruing interest at a higher rate. Consistently review if these balances are being managed correctly to avoid unnecessary interest. 
Fees and Payment Processing : There are multiple instances of late fees, such as the {$29.00} fee in XX/XX/year>, despite consistent minimum payments. Ensure payments are processed by the statements cutoff time to avoid repeated late fees. 
Payment amounts and dates sometimes appear inconsistent, like a {$66.00} payment in XX/XX/year> followed by a {$60.00} payment in XXXX. This might imply payment adjustments based on plan requirements or errors in the recorded dates. 
Adjustments in Minimum Payment Due : The minimum payment fluctuates across statements, such as {$66.00} in XXXX, {$65.00} in XXXX, {$94.00} in XXXX, and then {$100.00} in XXXX, which seems unusually varied. Check for any changes in the minimum payment structure or additional charges impacting these amounts. 
Promotional Plan Expiration and Balance Updates : The statements mention specific balances under promotional plans that require full payment by set deadlines to avoid higher interest. There is an increase in the amounts listed under expired promotional plans, e.g., {$53.00} in XX/XX/year>. Confirm that promotional balances are correctly rolled over or paid off to avoid future interest charges. 
Credit Limit and Available Credit Changes : Available credit fluctuates with each statement, sometimes without corresponding purchase activity ( e.g., available credit of {$1500.00} in XXXX, then {$580.00} in XXXX ). Ensure there are no system or reporting errors affecting the credit limit or available balance. 

Also on XX/XX/year> they charged me the wrong finance charges and in the attached document this is clearly evident. Since they have taken over as the lender for XXXX, it's been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Debt Validation and Method of Verification To Whom It May Concern, I am writing to formally request validation of the debts listed below that are currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing the accuracy and completeness of these accounts and demanding a full and detailed method of verification.

Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with the name, address, and telephone number of the entity that provided the information, along with documentation proving that these debts are valid. Furthermore, as part of your investigation under 15 U.S.C. 1681i ( a ) ( 7 ), I demand that you provide the following details regarding each disputed account : 1. The name of the individual ( s ) you spoke with during your investigation 2. The date ( s ) and time ( s ) of the conversations 3. The method used to verify the accuracy of the information 4. Copies of all documentation, agreements, and records used to verify the debts The accounts in question are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Numbers : XXXX ( 4 different accounts ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX If you can not provide a full and complete method of verification, including all details requested above, you must immediately delete these accounts from my credit file per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply with this request will result in legal action against you for violations of the FCRA, including, but not limited to, reporting inaccurate information, failing to conduct a reasonable reinvestigation, and failing to provide the method of verification. I expect a written response within the required 30-day period as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

This letter serves as formal notice that I am documenting all violations and will pursue all available legal remedies if my rights are not upheld. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX  XXXX XXXX XXXX Balance {$0.00}
Product: Credit card

In XXXX of 2023 I requested an increase on my Discover credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.
Product: Checking or savings account

I have fraud protection due to an exposure of personal information. I got a warning that an attempt from " XXXX XXXX  '' to open a bank account. 
Found : Bank Account Opening Bank : XXXX XXXX I contacted XXXX, and they had me stay on phone while they called XXXX XXXX, a South Carolina branch ( not connected ), and their online bank. None of these banks said that they had an account opened for me or could track the credit request. I was told someone might have misrepresented themselves as " XXXX XXXX, '' recommended I freeze my credit reporting, and that I should report the incident to you.
Product: Vehicle loan or lease

XX/XX/XXXX Santander Consumer USA was involved in 34 state class action lawsuit and one these states being my home state. All auto loans account from XX/XX/XXXX to XX/XX/XXXX qualify. I first contacted my attorney general office to see if my auto loan qualify account open XX/XX/XXXX account closed XX/XX/XXXX {$12.00}, XXXX written off with the information I provide them my account qualify. Santander Consumer USA was court ordered to remove all repossession account from my credit report and ordered to cease and dismiss XXXX XXXX XXXX collection efforts. They are ordered by the court to issue a deficiency waiver for charge off accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX 15 u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LVNV FUNDING LLC
c/o Resurgent Capital Services
XXXX XXXX XXXX XXXX XXXX XXXX  
ARE SHOWING ACCOUNT VERY ODD ON MY CREDIT REPORT TWICE!
RUNING MY CREDIT WORTHINESS WITH IS A VIOLATION TO MY RIGHTS! 

THIS ACCOUNT DOES NOT BELONG TO ME 
SEND VALID DEBT VALIDATION WITH WET INK SIGNATURE AND FULL CONTRACT

I DID NOT GIVE CONSENT TO PURCHASE ANY OF MY PERSONAL INFORMATION 
ACCORDING TO 15USC 1681 1(A)(5)(A)(I)
Product: Debt collection

The company XXXX XXXX XXXX XXXX in XXXX XXXX, NV is requesting a debt owed of XXXX that is not accurate and the company is now closed and no longer in business and unable to be reached to resolve this falsity. 
Also the dispute states there is a 2 year lease agreement on XX/XX/2021 which is not accurate. I was moved out by XX/XX/2021 because this place had extremely dangerous living conditions which is why they agreed to terminate my lease as they proceeded to go out out of business. 
A new owner is XXXX XXXX  XXXX XXXX and when contacted they respond with they have no correlation with XXXX XXXX XXXX, were sorry.
Product: Student loan

Nelnet started servicing my loan earlier this year. At the same time, I became convinced that I am eligible for the Public Service Loan Forgiveness Program. So I called their customer service and inquired about how to apply. I was told that first I need to consolidate my loan and then apply for loan forgiveness. However, the application will take effect the day it is accepted and not retroactive. It is very unfair that I 've been a public servant for seven years making regular monthly payments since XX/XX/XXXX, and my application will only be considered going forward. I 've been inquiring about PSLFP since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

On XXXX XXXX, XXXX, I faxed the attached letter, dated XXXX XXXX, XXXX, to XXXX XXXX XXXX, Loan Specialist, America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application, dated XXXX XXXX, XXXX, copy attached. My XXXX XXXX, XXXX letter states my proposal for a reasonable loan modification, based on a {$400000.00} principal amount, a 30 year term, and a 5 % fixed annual interest rate, which is above the current market rates. Wells Fargo Bank , N.A . had obtained the Appraisal, copy attached, of the collateral real property XXXX XXXX XXXX, XXXX, MD XXXX, as of XXXX XXXX XXXX, which Appraisal determined the market value of the property to be {$380000.00} as of XXXX XXXX, XXXX. In my Chapter XXXX Bankruptcy Case No. XXXX, the attorneys for Wells Fargo Bank , N.A . signed a Consent Order, dated XXXX XXXX, XXXX, copy attached, which Consent Order stated the same terms of the modified mortgage which terms are stated in my XXXX XXXX, XXXX letter. ASC has not accepted my XXXX XXXX, XXXX proposal for a loan modification, which proposal is a reasonable proposal, which was accepted by Wells Fargo Bank , N.A . on XXXX XXXX, XXXX, which proposal agrees to modify the loan at the higher principal amount of {$400000.00}, which is {$20000.00} above the most recent Appraisal amount of {$380000.00} obtained by Wells Fargo Bank , N.A . as of XXXX XXXX, XXXX. I would like ASC to manifest its good faith by accepting my reasonable proposal.
Product: Credit reporting

I owe for a past due utility bill from XX/XX/XXXX. I received a notice XX/XX/XXXX that I owe {$90.00}. I responded back XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
Product: Credit card

Late XX/XX/XXXX, I opened an investigation with Best Buy Citi Security Operations for fraudulent purchases made on my Visa store credit card. I also closed this compromised card and opened another. 

On XXXX XXXX XXXX XXXX XXXX  ), unauthorized purchases were made using my store credit card. These purchases were made at the XXXX XXXX XXXX  Best Buy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following items were purchased : - 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. 

On XX/XX/XXXX, the investigation determined that I was responsible for the unauthorized charges and my account was rebilled for {$320.00}. I was dumbfounded. I requested to have the investigation opened again. 

On XX/XX/XXXX, the second investigation determined that I was still responsible for the unauthorized charges and my account was rebilled for {$320.00}. I never made these purchases. I am a victim of identity theft and now being forced to pay for a thief 's actions?! I requested to have the investigation opened again. I also closed my store credit card altogether. 

The investigation is now opened for a third time and I am having to file a complaint with the CFPB for the first time ever. Disputes similar to this were always resolved in my favor but Citibank does not care and wants me to pay as a victim of a crime. Ridiculous. 

I am also filing a police report after I submit this complaint with the CFPB. 

Best Buy Security Operations, ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE DELETE. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, Ohio XXXX. My employer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX   THESE FOLLOWING ADDRESSES ARE NOT MINE : XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Credit reporting

Refused to pay for modem router, that they auto billed me {$150.00}. told them to send shipping label, then adjust bill from there, I would pay them once everything was straightend out, I would purchase my own, they never sent shipping label, and would n't adjust bill, cause I still had their equipment, I still have it sitting here, all boxed up and ready to give back Do n't hardly seem fair that I 'm being punished for refusing to purchase what they were trying to force me to buy. 
I 'm the customer, and I refused that part of their services, I have had many discussions with multiple people, and not one person can seem to figure out how to send a shipping label, and adjust my bill. 
I absolutely refuse to pay {$150.00} for their equipment, especially after a good 2 years of arguments, get on the ball people!!!!!