23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Capital One QuickSilver Credit Card with XXXX mos of 0 % interest ended on XX/XX/year>. In the first week of XX/XX/year> ( probably on XX/XX/year> ) I did call Capital One Master Credit Card to ask when I should pay off my entire credit balance to avoid Interest. The Capital One CC representative told me that I had until XX/XX/year> due date to pay off my balance to avoid INTEREST because it has the GRACE PERIOD. So I waited to pay off my CAPITAL ONE QuickSilver XXXX balance on XXXX XXXX 2024 instead of XX/XX/year> due date. But today XXXX XXXX, I saw Capital One charged me {$97.00} INTEREST. I called CAPITAL ONE CC again talked to XXXX to ask why Capital One charged me INTEREST {$97.00}. XXXX told me that the Interest accrued daily from XX/XX/XXXX to XXXX XXXX 2024. I requested XXXX to investigate why the Previous Capital One Rep LIED to me that NO INTEREST would be charged when I called in early XX/XX/year>. XXXX played XXXX and refused several times to conduct investigation and kept saying the INTEREST is correctly charged to my XXXX account. After XXXX min, XXXX finally did agree to put a note into account about my request for an investigation. 
Then I requested to talk to XXXX 's supervisor. I talked to XXXX XXXX XXXX 's supervisor ) and she played XXXX and kept ignoring my request to investigate the PHONE CALL I made in early XXXX ( XX/XX/XXXX ) and kept telling me about my payments in the last several months and said nothing about any PHONE CALL I had made back in XX/XX/year>. XXXX repeated that {$97.00} INTEREST charge is correct. I kept requesting XXXX to investigate why Capital One rep XXXX to me in early XX/XX/year> about NO INTEREST and NOW today Capital One charged me {$97.00} INTERET???? XXXX kept playing XXXX and dancing around my request of investigation of LYING to customer in order to charge INTEREST to CC customer. I WANT Capital One XXXX ) REMOVEs {$97.00} from my Capital One Quicksilver XXXX and I don't want to pay this INTEREST {$97.00} on XX/XX/year> due date and NO INTEREST accruing from this. 
XXXX ) XXXX internal investigation about XXXX XXXX rep XXXX  to customer in order to charge INTEREST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS ADMIN ODA 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

I tried to open a checking account and was told chexsystems was reporting on me. So I followed threw and ordered a report. Which had incorrect information. So I sent in a dispute and no information was investigated with supporting documents.The company that chexsyems has not investigated correctly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Date Reported : XX/XX/2017 Reported for : Suspected fraud activityand any amount owed was paid.There was never any fraud to my account before they closed my account.
Product: Checking or savings account

So on XX/XX/XXXX of 2023 i ordered an electric bike from a company that is tagged under cash app as XXXX for {$59.00} usd and since then have received no bike, no emails returned, and no correspondence whatsoever and so i requested a refund through cashh app and they denied my claim and told me if I wanted to see what paperwork they used to come to their denial, i could ask, which i did, and to this day ive received nothing from cash app either. All my emails and correspondence with the the company XXXX has also fallen on deaf ears.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX made copies of my bank cards I have them on video local police wont do anything now they are putting debt on my son XXXX XXXX credit
Product: Mortgage

For many years, we have paid an additional {$100.00} to apply against principal of our Penfed mortgage. Starting in XXXX, our payments have been consistently misapplied to escrow ( despite clearly noting on payment slip of direction to principal ). Our monthly statements since our statement dated XX/XX/20 have been filled with errors. In specific, extra principal payments are not allocated correctly, and transaction activity show no payments, suggesting we haven't paid our mortgage. 

I have no confidence that my payments are being recorded or allocated correctly. 

I am sophisticated enough to review my statement and call to correct obvious problems. But clearly something is wrong, and I am concerned not just for my mortgage but for the mortgages of countless others who might be less financially savvy. Penfed customers should not be expected to call each month to correct payment recording errors.
Product: Credit reporting or other personal consumer reports

I ONLY HAVE ONE ADDRESS PLEASE SEE ATTACHMENTS
Product: Checking or savings account

I deposited a check At Branch # XXXX XXXX Wells Fargo in the amount of {$98000.00} on XX/XX/2022. the branch manager XXXX assisted me and informed me funds will be available for withdraw on XX/XX/2022, but to give a few days to be processed completely.. The next day on XX/XX/2022 my account was put on hold due the fraud. I called and the man from fraud department said he called the company and they said they did not write check.. the man was only away for a few minutes not enough time to speak with someone. Also the business was closed at the time and the owner was not present... I received check from the business it has a chip in it so the man lied to me on the phone... he said my funds will be released XXXX I received not funds yet. I was charged {$5.00} fee for the check form wells fargo. My statements show that the funds are available also this is recorded on my connected apps.. this is the second time wells fargo has violated the codes and regulations and my consumer rights... The image of my check is not my check it is deposit information... I am attaching proof of this claim. This is UNACCEPTABLE!!!! Please help me in getting this problem solved... Now wells Farg is closing my account XXXX XXXX
Product: Debt collection

I CONTACT AMERICOLLECT XXXX ON XXXX/XXXX/2017 AND SPOKED TO XXXX XXXX LETTING HER KNOW THIS IS A FRAUDULENT ACCOUNT SHE ADVISED ME THAT THIS ACCOUNT IS IN SOMEONE ELSES NAME. THE VIOLATION IS WHEN I TOLD HER THIS IS A FRAUDULENT ACCOUNT SHE STATED WE WILL NOT REMOVE FROM CREDIT BUREAUS KNOWING ITS FRAUD. THAT IS NOT RIGHT TO TELL ANY CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX 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

I signed my XXXX XXXX contract, and received the XXXX XXXX XXXX XXXX contract to enlist into the XXXX to ship out XX/XX/2020. This mean, that under SCRA federal Act, I am entitled to the right of canceling any loans, without penalty while entering in the XXXX XXXX service. I provided the necessary documentation, to the loan company prior to, and called the company over the phone. I was told by the representative of the company, that they were not honoring SCRA, that I was still required to proceed with an ongoing payment while going off to bootcamp for the military. There is XXXXXXXX XXXX  as well as XXXX XXXX that I am requesting be removed from my credit report due to these legal reasons.
Product: Checking or savings account

On XX/XX/2021, I walked to into a " XXXX XXXX XXXX ''. I purchased 4 shirts, and a pair of sandals. The owner, XXXX XXXX, charged my debit card using XXXX  merchant. He told me to total amount due, and I authorized the transaction. He told me the receipts would be texted and asked me to verify the number. The number that appeared when he ran my card was my husbands number, so I did not corrected. Later that day, my husband sent me the text receipt. I had been charged a total of {$1200.00}. The correct amount was {$130.00} + 9.9 % tax for a sum of {$140.00}. He keyed {$1100.00} + 9.9 % tax for a total incorrect sum of {$1200.00}. 

I called the store and the owner told me he did not know how to process a refund ( he seemed like a very humble man ), and that he would be traveling for the next two weeks. So he recommended that I processed a claim through my bank, he said he'd approve it. he checked in with me on XX/XX/XXXX to make sure that the bank issued a refund, and again on the XXXX when he received notice of the claim. He told he received notice of the error and he that he approved the refund. 

On XX/XX/XXXX, my bank reversed the transaction stating that the merchant provided strong evidence that the amount was correct. They advised me that if I wanted to re-open the claim, I'd need to send prove that the amount was an overcharge. I reached out to the owner again, because he asked me if I wanted to wait for him to return from his travels and come by to pick up the cash, so I hoped we could just do that at this point. His response was that he did not have the money, and asked that I stop bothering him. To solve the issue with my bank. 

I sent the text messages the owner sent me on XX/XX/XXXX. The claim was re-open and denied one more time. Per the bank representative, they investigate the charge with the merchant ( XXXX ), not with the owner, and since my text messages are with the owner the claim had to be denied.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up.

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly.

Here are the accounts Im disputing : XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX I also know about the recent lawsuit between the CFPB and Experian XXXX where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : 1. A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 

Exactly what steps you took to investigate my dispute. 

Copies of any documents you used to verify the account.

2. If you cant properly verify this account, I want it deleted from my credit file.

Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 

I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 

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

I called the 3 credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance With The Fair Credit Reporting Act XXXX Capital One account # XXXX on XX/XX/2021 has violated my rights. 

15 U.S. Code 6802 B A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party
Product: Debt collection

This debt collector from eloan warehouse keeps calling before XXXX. Today XX/XX/year> they called at XXXX. Other times they tried calling before XXXX. Is this even legal.
Product: Student loan

I always make my monthly payment online from navient.com, but when I tried to make my XXXX 2015 payment, I was unable to log in to my account online, due to some kind of " legal '' issue. Not knowing why I would be locked out, I tried calling the number given. No answer. So I attempted to call multiple different numbers until I got through to a person. I was then asked if I was involved in any type of " legal mitigation, such as a bankruptcy '' which I am not, and never have been involved in any type of legal activity, but this was the reason I was locked out of my account online. 

After I told the rep that I was not in any type of legal mitigation, I made my payment over the phone and they were going to work on getting my access back online to make future payments. About two weeks after making my payment over the phone, I received a late notice, saying I missed my XXXX 2015 payment. Well, it was actually mis-applied by the rep. as I paid the full amount that was due for XXXX 2015. 

I have called, emailed, faxed my issue to Navient and it is STILL not corrected. It is a simple payment correction. I have actively been trying to get this corrected for weeks now and I am getting nowhere with Navient. I was trying to get my XXXX payment corrected before I made my XXXX payment, so it was not mis-applied as well, but since the issue is taking so long, I went ahead and paid my normal monthly payment for XXXX 2015, so please ensure it is posted correctly as well. Thank you!
Product: Credit reporting

Transunion has consistently allowed XXXX to report on XXXX mortgage accounts negatively since XX/XX/XXXX ( 9 years ). Transunion has also allowed them to modify the terms and dates for derogatory information being reported. This is in direct violation of the Fair Credit Reporting Act. Additionally, the accounts in question were deeded back to the bank and the bank WAIVED its right to purse any default judgment, but Transunion is still showing the accounts as being over XXXX days past due since XX/XX/XXXX with no updates to my credit profile since that time. XXXX reacquired the property on XX/XX/XXXX. I want the information deleted from my credit profile in accordance FCRA ( time limits for reporting ). The original XXXX date of delinquency for these accounts was in XX/XX/XXXX when I filed bankruptcy. From the day they were notified I filed bankruptcy, they reported that accounts as being in a bankruptcy for XXXX years. When my bankruptcy was XXXX, they have made all kind off erroneous changes in order to hinder my credit standing. All accounts that were included in the bankruptcy was removed, however ; Transunion has refused to remove and comply with the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent account listed on my credit report, which I believe was created as a result of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this entry removed to prevent further misuse of my personal information and to maintain the accuracy of my credit file. 
Please delete the following account from my credit report : XXXX XXXX - XXXX - XX/XX/year> - {$12000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : US DEPT ED XXXX US DEPT ED XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/2020 I contacted XXXX XXXX XXXX and explained to them that I lost my job on XX/XX/2020 due to Covid-19 and wanted to see how could they help me with this issue because I been trying to fix my credit for 2 years and thats the reason I joined them. I missed the payment for 1 day but it wasnt because I didnt want to make the payment I lost my job and I was afraid with the little money and I had and had to wait almost 4 weeks to receive my first unemployment check. So the representative I spoke too said they were not going to report me and that they were going to help me.I told them as soon as I get my first unemployment check I would make the full payment immediately and did the payment on XX/XX/2020. I kept my word But they still reported me late to the credit bureaus when they said they werent going to do that. Im really disappointed because all the companies I have credit cards have worked with me but this company that offers you to help you with your credit builder account, I thought they would understand my situation but I guess they dont. I called them on XX/XX/2020 and explained the situation that they said they werent going to report me but said they couldnt do anything about and had to report it to the credit bureaus. Im very disappointed about this. I also reported this to XX/XX/XXXXbecause this is wrong on so many levels
Product: Checking or savings account

I had money in my account and then navy federal sent a alert saying I had XXXX returned check fee that equaled XXXX dollars but then my account was overdraft XXXX dollars when I contacted support she said that was left after pending transactions which doesnt make sense bc I was paid XXXX  days earlier.