23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Regarding XXXX payment processing, CapitalOne has a business practice, which I believe is unethical and should be illegal. I have a PDF file ( attached ) with date/time stamp from my CapitalOne on-line account records to substantiate my complaint. Specifically, when I log into the CapitalOne website to pay my credit card 's monthly bill, their website states that I must make the payment before XXXX. in order for the payment to be posted on the same day ( It used to be XXXX XXXX EST a few years ago ). Currently, this payment cut-off deadline, at XXXX XXXX is four hours before XXXX on the due-date. If a card holder ( like me ) makes a payment ON THE DUE DATE, but between XXXX and XXXX, CapitalOne sets the posting date for the following day and counts the payment as a late payment, charges a late fee, and then use this event as XXXX of XXXX allowable late payment events per year to justify raising the APR rate - significantly. This happens even when payments are made on the due date before midnight within the same timezone as the billing address ( EST in my case ). I suspect that Capital One and other card issuers are using this tactic to collect fees they do not earn and to justify raising APR rates. This practice should be illegal and must be stopped. The correct processing is that all on-line payments scheduled by XXXX XXXX of the due date, should be posted as paid on the due date and accepted as an on-time payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking into my credit more and noticed a fraudulent account appearing on my Experian report # XXXX. The fraudulent info is listed below : XXXX  BANK XXXX Account numberXXXX This account was closed after I contacted XXXX bank and let them know the account is not mine. I have also filed a report with the FTC Report # XXXX. 
I submitted a dispute with Experian to remove the negative info and they have verified it twice. My personal information was included in the data breach of XXXX with XXXX and I was notified by mail about this. This account was opened within that timeframe. 
I would like to exercise my rights under the ( FCRA ), 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

As a homeowner for 21 years with not one day late, I applied for a loan modification due to economic recession, reduced income and a divorce. With countless faxes, documents ( mail or fax only ) and run around, XXXX XXXX managed to lose my documents and my payments and threaten foreclosure. I was XXXX a single mother where a family dream home became a nightmare. I finally had to file for bankruptcies to stop the foreclosure after settlement under Independent Review with a mere {$500.00}! I was once again devastated and my life is still in limbo, unstable and no success with modification from XXXX XXXX. Instead they transferred ( or sold ) my loan to Caliber Home Loans which I was relief thinking there 's light under the tunnel with new services and some relief for they allowing me to email documents and hope for a modification finally I thought. What a deception! Same lost documents, same run around same tactics as XXXX XXXX but worst! Caliber Home Loans never intent to help me with loan modification as my loan information was never set up nor attempt to modify or give me a reason but stonewalling me and not getting all the documents while collecting late fees, attorneys fees and push me further in arrear from the original loan balance from XXXX XXXX of {$170000.00} to now over {$300000.00} which is stealing my equity and my retirement!!! If this is not a slap in the face robbery, I do n't know what is. How is this practice being allow to happen in America? So unethical, so wrong especially when they promised to help, instead they are robbing you from everywhere and from behind the scenes!! Thank God my attorney let me know about CFPA and this website to finally file a complaint! Please help me to stop these Goliaths from harming me any further!!!
Product: Debt collection

I HAVE THREE FILES ATTACHED WITH THE CORRECT AMOUNTS LISTED PLEASE REVIEW CAREFULLY. THE BALANCE IS INCORRECT VIA DEBT COLLECTOR XXXX XXXX XXXX. 
I have below the original documents. I also paid them {$500.00} as my original deposit to process order. The original debt amount is listed as way lesser than the balance on my consumer report. Please review files. The debt collector has an inaccurate amount. The balance is inaccurate an needs to be deleted. Due to covid 19 I was not able to make ontime payments because of the shut down and and loss of work. I was able to resume payment but this balance is not correct. This item has been reported on my consumer report far to long at the wrong balance with all the inaccurate data please delete. This dishonesty has harmed my consumer report and it is against the law to report the wrong amount. Please review all the data and help as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters and complaints I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : 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 : accounts : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft report.
Product: Payday loan, title loan, or personal loan

This issue is in regard to a mobile home title in Montana. The lien on the title lists the lienholder as : XXXX  A DIVISION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX The lien was put on the title in XX/XX/XXXX when we purchased the ( new ) mobile home. 

The loan was paid off in XX/XX/XXXX when we refinanced through XXXX   XXXX, but the lien was never released by XXXX as verified by the Montana Motor Vehicle Division. 

I have contacted XXXX  XXXX XXXX since XXXX is no longer in existence and they said this loan was a Ditech/XXXX XXXX loan and that they had forwarded my the information and documentation I provided to Ditech, In 2 phone calls to Ditech, they have assured me they will not even look into this for at least 30 days even though I have pointed out that the lien release is in essence 15 years past due. I personally provided them via fax on XX/XX/XXXX a copy of the title and a copy of a form XXXX which shows the loan number, our names, and a social security number of my husband, the primary borrower who is now deceased. I gave the dates of the loan origination and payoff. I was on hold for an hour and 15 minutes on the phone today, the second of my ( exceedingly unhelpful ) calls to them. The representative at Ditech would not even confirm that they received my information either from XXXX or my fax. 

I was supposed to close on the sale of this property last Friday. With a sale of the property on the line I do not have a month to wait to possibly hear from them regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry from XXXX XXXX  / XXXX on XX/XX/2019 that was not authorized. I wrote to comenity and was advised they would be removing the inquiry as it was in error. Equifax refuses to investigate and remove the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having difficulty finding housing and an agent told me that having a Charge Off on my report is why. I assured him I havent any. Apparently, when I contacted Ginny 's Catalog in XX/XX/2017 and paid off my outstanding bill AFTER Ginny 's expressly assuring me that in exchange for settling the account, They'd remove it from my credit report. They lied, Its on all 3.
Product: Debt collection

This debt collector Capital Accounts LLC contacted me on XX/XX/2022 by mail for medical bill of XXXX. However, I never visited this urgent care and I contacted the debt collector to mail me the original debt, they never sent me the original debt. 

Instead, they hung up on XX/XX/2022 when I contacted them. They keep asking for my other information instead. 

The Debt Collector Address is Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX/XXXX  XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, my wife and I went to XXXX  XXXX of XXXX to start our search for a vehicle. I was explicitly clear that I did not want a hard inquiry pulled on our credit as we were just starting the process and simply exploring our options. After leaving the dealership without purchasing anything or pursuing anything further, I learned a hard inquiry of our credit histories was pulled against our wishes and without our consent. I have attempted to contact the company to remedy the situation, but have been unsuccessful.
Product: Credit card

I am writing to formally dispute a charge on my account related to a XX/XX/year> transaction with XXXX, amounting to {$41.00} for a XXXX subscription. 

On XX/XX/year>, I was charged for the XXXX merchandise, despite XXXXXXXX XXXX failure to deliver the XXXX subscription merchandise. Due to this failure, I disputed the charge with both XXXX and Discover, while also canceling my subscription with XXXX due to their gross negligence and breach of the subscription agreement. I specifically instructed XXXX not to ship the XXXX merchandise. 

In response, Discover issued a temporary credit for both the XXXX charge ( {$41.00} ) and the XXXX charge ( {$41.00} ). On XX/XX/year>, XXXX issued a refund for the XXXX charge, and Discover rightfully reversed the temporary credit for that charge. 

Although the XXXX merchandise was allegedly shipped, the tracking number indicates delivery, I never received the package. Despite this, Discover erroneously reversed the temporary credit for the XXXX charge of {$41.00}. I attempted to resolve this issue by disputing the charge again with a representative, but unfortunately, I was disconnected during the call. 

As of today, I continue to dispute the XX/XX/year> charge of {$41.00}, as I have not received the merchandise. Furthermore, I would like to note that XXXX has deleted all account activity and purchase history from my customer portal, further complicating the resolution of this issue. 

I request that this charge be fully refunded, and I would appreciate your prompt attention to this matter. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting inaccurate account on my XXXX credit report. Account number XXXX needs to be removed and blocked immediatly! I have made every attempt to dispute this item and the creditor has yet to remove it! This has effected my life drastically!
Product: Consumer Loan

Have a loan with One Main financial ( formerly known as XXXX ) for around six -seven years, I renewed my loan on XX/XX/XXXX to get additional funds, the financed amount on the newed loan says {$8500.00}, after paying for XXXX year with a missed payment on XX/XX/XXXX and XX/XX/XXXX, they forced me to renew my loan which they call it defer, i ended up signing a new loan agreement in the amount of {$8900.00} which is higher than the orignal one ( {$8500.00} ) even after paying {$2400.00} all this money that i paid has gone out the window, did n't reduce my balance a bit, they use intimidation, such as calling multiple times a day, that i 'm behined a lot on my payments, leaving multiple messages by a person saying his is a district manager, when trying to explain the situation they are not interested to listen, all they say is pay our money, When i track back my payments, using my bank statments, i realize i was not missing a lot on my payments, but they used different tactics and harrasment to renew my loan, that put $ XXXX+ {$400.00} to put in their pocket, and me to repay all over again.i have to work hard to make {$2400.00} to pay them, they just used physcological tactics to put it in their pockets, the last intimidation i recieved from them was " if i do n't pay by the end of the month that my personal property will be garnished ''
Product: Credit card or prepaid card

Early XXXX I purchased several items from XXXX XXXX using my credit card from their company. One item was sent that was completely wrong from what I ordered. I called to let them know and they said they would ship out the proper item and that I needed to return the other item. I informed them that I could not make it to the post office seeing how it was 30 minutes each way. Having to take off for their mistake was out of the question. They informed that was fine. I never received the item that I was being charged for. I called again probably a month later when my bill was due and was sent to 5 or so different people trying to get the right person. I was on the phone for a couple of hours trying to get resolved. I would be put on hold then the phone would get hung up on. After all this I would start to get very frustrated and customer service agent would cut you off or not let you explain anything. I was told finally that I would get my refund and I told them I wanted to cancel the card. So now we are a month later and i was charged interest and still being charged for item and bill is coming up again that im suppose to pay for something I never received. I call again and me and the customer service agent get into it because he refuses to let me finish a sentence. I ask for a manager and he hangs up on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at approximately XXXX I pulled up to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Michigan and requested XXXX to be dispensed to me. Transaction was approved, card was returned :, but machine did NOT disburse a recept or any funds. The ATM screen read Unable to disburse funds at this time. I immediately contacted my bank Chime to inform them. I was ensured by a customer service representative that the problem would resolve itself, I just had to wait until it didn't say pending, it said settled. And when it did say settle call Chime back and they could speed up the process. Oh I also contacted XXXXXXXX XXXX  customer service department and they were very rude because I'm not their customer and basically told me it all fell on my bank and it would resolve itself. I requested if a technician could meet me at the ATM to give me proper information proving my money wasn't dispensed. But was denied that option. I called Chime back and they made me do a formal dispute. They denied my dispute within 3 hours, which is shocking because had they did a thorough investigation and requested information from XXXX they would know my money was not dispensed. Once I saw my claim had been denied I called Chime back and requested an appeal because I'm not just going to let people take my money. The customer service representative said she requested an appeal for me and Also a rebuttal. I asked her to ask the investor to contact XXXX XXXX. Please help me. This is unfair.thank you and have a blessed day.
Product: Credit card or prepaid card

I am disputing a charge of {$29.00} plus interest, shipping and handling and sales tax to my credit card account on XX/XX/2021. The charge is in error because the item I ordered was missing from the delivery. 

I have been in contact with the company by phone calls, writing emails since XX/XX/2021 disputing their error until now. I received a letter from the company XX/XX/2021 dated XX/XX/2021, after registering my dispute on the telephone XX/XX/2021 stating the purchase was paid in full at the time your dispute was received ; a credit for the disputed charge ( s ) will not be applied. I responded " You will see on my bill of XX/XX/2021 which was the bill the following month of the charge on XX/XX/2021 that I was charged a minimum interest charge of {$2.00} because I did not pay for the missing item. I didnt want anymore interest charge so I paid my bill but you can see on the Statement Closing date XX/XX/2021 that there was a balance of {$35.00} which was the balance on XX/XX/2021, the date of my phone call and again a request for the missing item. It was not until XX/XX/2021 when my auto payment of {$29.00} was applied. '' Why would I be denied a credit for an item that I did not because I pay my bills?
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my paypal account has become permanently frozen after receiving money for the first time ( {$110.00} ) through their services. 
They say I will not have access to this money for 180 days as my account is now closed, although it's been reported by many that they end up keeping the money after this time period as a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I setup my LEASE PAYMENT account online with XXXX XXXX XXXX since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, XXXX XXXX stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the XXXX XXXX XXXX XXXX is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for XXXX XXXX  website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without notifying or warring me it would be posted on time.
Product: Consumer Loan

I established a vehicle loan with Chase Auto Finance in XX/XX/XXXX and started to pay on XX/XX/XXXX. I did my regular payments at is showed in the attachments. On XX/XX/XXXX ( 2 years later ) I have to file a Bankruptcy and I did and was discharge for the Bankruptcy Court of XXXX FL on XX/XX/XXXX. At that time my payments of the car loan were showed in my credit report. I spoke with the Bank representatives and told them that I was going to continue payment my car loan because I want keep my car. They accept the payments all months, only 2 - 3 late payments l payments. But I did a big effort and finish to pay the car in XX/XX/XXXX two months before of the established day. The Bank sent me a letter where they consent the title were give to me because the link of the Bank was satisfied. Now I want to buy another car but I found that the Bank did not report all my 48 payments to the credit bureau and the reason they give to me is that I did not sent a form to the Bank telling them that I was continue with my obligation to pay the car to them. Probably I did not fill the form but I continued paying the car and the continued receiving the money and giving me the receipt or my approve by phone. The say they do n't have the obligation to report. My question is : Why nobody talk me nothing about the form? Why they continued receiving the payment if they were going to push me in a tramp? They also remove from my credit report the 24 payments that I was made at the time I filled the bankruptcy, there looks like I have never buy a car. I want you help me to reach the goal of see this account showed in my credit report. I am sending you the letters I received from the Bank authorizing the title company to made the title of the car in my name, the report where the bank show the amount and day of every payment for 48 months with of very few differences, some of he receipts gave to me when I paid directly in the Bank, the receipts sent for them by mail. It is good to say that I have to meet the procedure gave to me for the Bank which I have to call every month to the department of Bankruptcy and explain them I wanted did a payment to my car loan. And every month for 24 months after bankruptcy I did. Please help me! Thanks