23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear TransUnion Dispute Team, I am writing to dispute the accuracy of my credit report as provided by TransUnion, specifically regarding the reporting of an account by XXXX XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Opening Date as per TransUnion : XX/XX/2021 Opening Date as per XXXX : XX/XX/2021 Opening Date as per XXXX XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like TransUnion, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

At the end of XX/XX/2020 our mortgage with New Day USA XXXX XXXXXXXX XXXX ) was transferred/sold to XXXXXXXX XXXX but on XX/XX/XXXX both companies withdrew my monthly payment of {$1800.00}. I believe the error was on New Day USA 's end because they had told me that the payment withdrawals would stop at the end of XXXX. Despite repeated calls to them I have not been able to get the money back. I am a Veteran and could not afford to have two mortgage payments come out of my account so it overdrafted onto my credit card. I will now have to  pay interest on the credit card for that amount. At the very least I need the money to be credited back to me as well as a penalty payment to cover the interest on my credit card and the time lost due to multiple calls to both companies and my bank to try to get the money back. 

I have attached copies of the monthly statements from both XXXX XXXX  and New Day USA as well as the transactions from my bank account that show the payments coming out of my account on XX/XX/XXXX and XX/XX/XXXX. 

I would also just like to say that I have spoken with New Day USA XXXX XXXX XXXX  XXXX multiple times in an effort to resolve this and they have been very unhelpful to the point of being rude. This kind of treatment of anyone let alone veterans is a disgrace.
Product: Consumer Loan

I XXXX XXXX applied for a loan on XX/XX/XXXX paying the processing fee of {$1500.00} to XXXX XXXX whom I was referred by XXXX XXXX. Then after that I didnt hear back from anyone regarding my application and I insisted to XXXX an answer for the application and he commented that the loan was being processed. He did n't give us a closing date he only said that we should wait for an answer regarding the loan. I trusted Ascension so I waited till XX/XX/XXXX when an XXXX XXXX contacted me and stated that XXXX was an irresponsible individual and said that he had several weeks trying to contact him and XXXX would n't respond to his calls.XXXX asked for personal information and a service fee of {$750.00}. in which the application for the loan was {$500.00} and to pull the credit was a {$250.00}. Reassuring me that he needed the money right away so he could finish processing the loan because it was approved and i was just waiting for a closing date. Weeks went by and we lost contact and I couldnt get a hold of him. I called and emailed him numerous times with out being succsefull. On XX/XX/XXXX I recieved a call at XX/XX/XXXX XXXX time and XXXX XXXX XXXX.Asking me for a letter notirized letter in which i was suppose to appoint a power of attorney to interpet me. Later XXXX called me and said he had emailed me a letter in my email and to have it signed and notarized and return it via email. After reviewing the letter and noticing that he was appointing himself as power of attorney so i ignored it. I then decided to appoint XXXX XXXX as my power of attorney and interpreter. The following day XXXX XXXX called me and told me that she needed my information I sent all the information she asked for via email. Weeks went by and no would answer my calls. I called numerous calls to XXXX, XXXX and XXXX. I was wondering the status of my loan so I called the bank myself. Then they stated that they could n't processed my load because the underwriter would n't work with people that do n't speak English. XXXX the representative said that they do n't charge for a fee and that they knew the individuals that had processed my loan and that the legal department was going to contacted me and I since then have n't heard anything from the legal department. I was told that XXXX and XXXX was a third party representative
Product: Money transfer, virtual currency, or money service

Hello i am a united states citizen and had some money invested in my Coinbase account in 2017, i went on a vacation to XXXX, and when on way back at airport i was checking the status of my account and upon arriving home, i received and email saying my account has been locked believing me to be a resident in a country in which coinbase is prohibited by law from doing business. I submitted the proper documents to prove that I'm am not a resident and my account is still locked i think they are taking advantage due to the amount of investments i had in there at the time. 

Please look into matter
Product: Mortgage

I filed XXXX XXXX bankruptcy in XXXX, 2024. My lawyer insisted that Rocket Mortgage, with whom I have a mortgage for my house would not be affected. I was set up with a payment plan through XXXX to pay my debts. I was assured many times by my lawyer that Rocket would not affected. In XXXX, I attempt to log into my Rocket account to make a house pymt & I get errors that my password is wrong. I call Rocket & Im told that my online account has been deleted because of the bankruptcy. I ask when I was going to be told about this and was informed that this is routine. It made no difference that I had never been late with a payment & that I was assured by my lawyer that Rocket would not be affected. I ask Rocket if I was going to be sent snail mail bills. The answer was no unless I request it. I requested it. I called my lawyer again who assured me again that Rocket had not been affected and they were not on the list of debtors Im paying back. 

Today, XXXX XX/XX/XXXX, I get a statement saying that I had a past due amount before the bankruptcy filing of {$3600.00}. The same statement also shows that I owe an extra {$400.00} for advances made on your behalf. I call Rocket ( XXXX XXXX & Im told that the past due amount is not showing up & the {$400.00} is a bankruptcy fee. She suggests that I call my lawyer because you should have been told about this fee. I call my lawyer who again states that Rocket was not affected, he still has no idea why my online account was deleted & inquired if I knew to whom the advances were made to on my behalf. The answer to that is no so I said Id get back with him. In the meantime, I get on a chat with XXXX XXXX at Rocket who says there are no past due amounts & the {$400.00} was the bankruptcy filing fee. I explain that Rocket did not advance me any monies to file the filing fee with the county I live in. Now you know on a chat how you can see that the person is typing? XXXX XXXX produces this macro : 'If I do not receive a response within 2 minutes, I will have to disconnect our chat '. 38 seconds later while I'm typing a response about the monetary advance, he disconnects. 

I email Rocket. I get that they want to kick me while Im down but I have never been late with a payment, my lawyer states that they are not on a list of debtors Im paying back, I paid the filing fees myself & can prove it. Rocket did not advance me any money and I still do not understand why I no longer have online access.
Product: Debt collection

I am writing regarding the above-referenced debt that you have claimed I owe. I request that you provide validation of this debt under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide : Verification of the full amount of the debt, including any fees or interest that have been added to the original balance.

Proof that you are legally authorized to collect this debt on behalf of the original creditor or that you own the debt outright.

Documentation that clearly establishes that I am responsible for this debt, including but not limited to the original agreement.

The date of the original delinquency and an itemized account history showing how the amount due was calculated.

The name and address of the original creditor, and if applicable, any other information pertaining to any previous owners of the debt.

Until this debt is validated, as required by law, I request that you cease all collection activity and stop reporting this debt to any credit reporting agencies.

Please note that if you are unable to provide the requested documentation, I expect you to immediately delete this account from my credit report and cease all further communication regarding this matter. 
Thank you for your cooperation in this matter. I expect a timely response within the 30 days allowed by law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report # XXXX ID # 01 please see attached and publish this XXXX once again lyed SEE ATTACHED the documents attached this reporting does not meet the fair reporting act
Product: Vehicle loan or lease

Purchased XXXX XXXX on XX/XX/2019 at dealership, financed through Capitol One. First payment on car was attempted, Capitol One does not allow a payment to be posted anytime prior to actual due date. Called Capitol One on XX/XX/2019 to inquiry why I could not make a payment when I receive statement that payment was due. Was told they have a Pay Ahead Policy, which means I can never make a payment before my due date. This is not noted on my contract. I asked them how I could make payments for a few months to always be ahead on payments and was told the same thing, that I am not allowed to make any payments, even 1 minute prior to the due date due to their " no Pay Ahead Policy ''. I have never had a car loan or any other loan that I was not allowed to make an early payment. I have always paid my bills ahead of time to pay them off early. They did state that I may pay the principal at anytime I like but as far as my payment, it is not allowed to be made prior to the due date or in advance due to their Pay Ahead Policy they have. This appears to me a way of collecting additional interest for no reason except to benefit the company.
Product: Mortgage

I am submitting this complaint due to ongoing issues with Wells Fargos handling of my loan, which remain unresolved despite my previous complaint and ongoing mediation. Specifically, the issues I am facing are : Failure to Provide Complete Payment History : I have requested a full payment history starting from the beginning of my loan, including the period before my loan was transferred to Wells Fargo in XX/XX/year>. Wells Fargo has only provided the payment history starting from XXXX. Despite multiple calls and requests, they have refused to provide the complete history, which is essential for resolving discrepancies in how my payments have been applied and continuing the mediation process. 

Incorrect Payment Application and Legal Fees : Wells Fargo has failed to properly apply my payments, and additional legal fees were added during the loan modification process. These fees are not explained, and their impact on my loan balance remains unclear. I need clarity on how these payments were applied and the fees assessed during the modification.

Delays in Loan Modification : The loan modification process has been significantly delayed, which has negatively impacted my financial situation. Despite being in mediation, Wells Fargo has not provided adequate assistance in resolving these delays or their effects on my loan. 

Negative Credit Reporting : Throughout this process, Wells Fargo has reported negative information to the credit bureaus, despite my ongoing efforts to resolve these issues through mediation. This reporting has harmed my credit score and financial standing.

I have already made several attempts to resolve these matters directly with Wells Fargo, including requesting t
he complete payment history and clarification on the issues listed above. However, Wells Fargos response has been insufficient, and the critical information remains missing. As a result, I am unable to resolve these discrepancies and continue with mediation. 

I request the CFPBs assistance in ensuring that Wells Fargo provides the missing payment history and resolves the outstanding issues with my loan servicing.
Product: Debt collection

I am filing a complaint against KOHLS/CAPONE because they are attempting to collect a debt that I do not owe them. Account Name : KOHLS/CAPONE, Account Number : XXXX. 
I would like for KOHLS/CAPONE to show proof of verification that I owe them {$380.00} with the account above. After disputing this account creditor has already filed the payments as a business loss which they claim that I owe. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report twice on date of XX/XX/2022 without my consent
Product: Credit card

CAPITOL ONE CREDIT CARD OPEN THREE CREDIT CARD WITH OUT MY AUTHORZATIONS-AND I TRIED TO DISPUTE IT AND THEY ARE STATING IT WAS ME THAT OPEN I HAVE A FRAUD ALERT ON MY CREDIT REPORTS CAPITAL ONE 3 LATE PAYMENTS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/ Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/ Account type Business Card Payment summary XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Closed. {$71.00} past due as of XXXX XXXX 
Status updated XX/XX/ Past due amount {$71.00} Highest balance {$1200.00} Monthly payment {$15.00} Last payment date XX/XX/ Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a bill from XXXX XXXX XXXX for an account I did not establish. I called XXXX XXXX XXXX and had the phone disconnected. What I don't understand is how this happened since my credit has been frozen since XX/XX/XXXX. I called all three credit bureaus and they all verified an active freeze. However I went online to view my report with Experian and I got a message that an online account had already been established using an email I do not recognize. When I tried to call experian XXXX it is strictly an automated service with no option to talk to a representative. I don't know how to regain access to my credit file, I'm extremely upset about this situation and need assistance to get it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday XX/XX/XXXX, I accessed my Experian credit report to discover an error in reporting my address- this error is impacting my apartment search in a derogatory way. 

I moved to this address in XX/XX/XXXX, lived here previously from XXXX to XXXX and lived somewhere else before XXXX. 

Experian is reporting this address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) since XXXX and not XXXX! 

I can not file a dispute against Experian because they have LOCKED me out of my credit file.
Product: Credit card

I applied for a Sam 's Club store credit card, but received approval for a Sam 's Club Master Card. I do not want a Master card for Sam 's. I spoke to several people at Synchrony Bank XXXX XXXX ) and was told that I could not have a Sam 's Club store credit card because Synchrony Bank no longer issues them. According to Synchrony 's website, a Sam 's store credit card ( for use at Sam's/Walmart only ) is offered. Since I was only offered the Master Card for Sam 's Club, I canceled my application. I do n't want a Master Card. If I did, I would apply for XXXX. It makes me very angry that a bank, any bank, would force me to have a type of credit card that I do n't want, just to be able to shop at a specific store. I have sent a copy of this message to Synchrony Bank and Sam 's Club.
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Amsher Collection Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Amsher Collection Services has handled my credit information in regards to account number XXXX and account number XXXX It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.

I am formally demanding the immediate removal of this unauthorized and unverifiable items from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Moreover, I insist on Amsher Collection Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 

I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 

Done in good faith.
Product: Credit card

On XX/XX/XXXX I received an offer from chase mileage plus explorer credit card that said if you sign for the card and you expend {$2000.00} in the first XXXX month you will receive XXXX miles in your united account and if you add another person to your account you will receive a extra XXXX miles, so I call an made the over the phone application and ask the customer service all the staff to qualify to the offer, they assurance me that there was no problem if I expend the money I will get the miles, so I sign I got the card I begin to use. XXXX month later I called to CS about the miles they said do n't worry in XXXX XXXX billing cycle you will get it but that was not true I called again on XXXX XXXX and I spoke with a supervisor He said to me that He can not understand why I did no got the miles posted to my account yet but He is going to put a request to the " marketing department '' and I should receive the miles in XXXX days and a letter from that department in less that XXXX day, so I went to vacation and when I return I checked my miles did not change but I got a letter from chase that state that because I receive a bonus credit in XX/XX/XXXX I did not qualify for this bonus offer and I did not going to get any bonus miles with this card. I call back to CS and they repeat the same thing to me. I can understand that can be the policy of the company but why they sent the offer to me, why when I call to apply they did not mention about that rule, why went I called XXXX month later they did not same nothing and why when I spoke with a supervise on XXXX XXXX He assured that they was not problem that I ll get the mileage, Chase was lying to me as customer from they XXXX, the only reason that I sign for this card was for the miles if not I can get any other card offer I have excellent credit every day I got by mail different offers if you can get the voice record of my conversation you will hear that the latest Supervisor was agree with my point but He can not do nothing Those were the company policy, off course to attract customers from the competition. From my point of view those policy are unfear marketing policy that try to scam the customer not showing the real rules of the game from the beginning.
Product: Credit card

This bank sucks. They charged me a {$29.00} junk fee for submitting a credit card payment early using the wrong bank account. My bank still submitted the payment to them, just a couple days after I initiated it -- AND STILL BEFORE THE DUE DATE. I kindly asked for a fee waiver, and the chat analyst said they " requested '' it, but it was " not approved. '' I have been a cardholder for over 5 years, perfect payment history. Seriously, these people XXXX. That is all.