23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased airfare through Capital One travel on XX/XX/2020, for {$340.00}. On XX/XX/2020 my flight from XXXX XXXX, XXXX to XXXX, XXXX was canceled due to COVID 19. 

On XX/XX/2020, I arrived at XXXX XXXX airport at XXXX XXXX, four hours before my departure. When I tried to enter the airport the employee checking tickets told me I could not enter. He told me I had to visit the XXXX XXXX XXXX on the other side of the airport. 

When I arrived at XXXX XXXX, there were many people waiting in line. Apparently, several XXXX XXXX flights were canceled for the day due to new COVID-19 restrictions and XXXX border controls. When it was my turn to speak to the manager, he told me that he was sorry but there was nothing he could do. He gave me a flight cancellation certificate and told me to present it to Capital One since I booked the flight through their website. 

I have called and faxed Capital One several times concerning this matter but they have not refunded my money from the canceled trip. Capital One says XXXX XXXX has agreed to give me credits but that isn't true. I have called and emailed XXXX XXXX several times as well and they say that Capital One is responsible for reimbursing me since I booked the flight through their travel site.
Product: Credit reporting or other personal consumer reports

i have been disputing account on my credit thats reporting inaccurate information from experian XXXX and XXXX it keeps coming back verified i asked for proof they doesnt provide me with anything about the accounts i have been voilated by codes 15 U.S. Code 1681 ( i ) - not deleting items that are inaccurate or incomplete 15 U.S. Code 1681 ( i ) ( a ) - not providing you with the method of verification within 15 days after asking for it 15 U.S. Code 1681 ( i ) ( a ) - not reviewing all documents that you send them in your disputes therefore not conducting a proper re investigation
Product: Debt collection

XXXX XXXX was purchased by Navient. Navient shows non payment but we have canceled checks dating back years. We 've sent the copies of the checks and they still keep calling. It 's as if they are not communicating that we 've resolved this issue with 5 different customer service representatives. They call up to eight times a day every day. The numbers they call from are : XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services ( Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}. 
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX and Wakefield and Associates. They have unethically and inaccurately sent a medical bill to a collections agency while the bill is under appeal review with XXXX XXXX XXXX, despite being advised verbally and in writing that the bill was under appeal in XX/XX/2023 and again in XX/XX/2023. This bill from XXXX XXXX XXXX clearly violates The No Surprises Act, which prohibits providers from charging patients out-of-network rates for emergency care. Wakefield and Associates provided misleading and inaccurate information in their letter by directing me to respond to a website that does not exist. In addition, there is no portal on their website where this debt collection can be disputed. These deceitful practices by Wakefield and Associates violate the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax about inquires that I did not authorize on XX/XX/2020 and on XXXX XXXX.
Product: Debt collection

To whom it may concern, I had a cable service with XXXX XXXX and due to my company merger, I had a loss of hours and income and could not continue to pay my XXXX XXXX  bill. 

I called XXXX XXXX  to inform them of this and to let them know that I would be needing to cancel my service but would try to make small payments on my balance. 

XXXX sent a team member out to collect their equipment that was included with the service. 

Literally the day after my equipment was picked up, XXXX began to call me everyday on the hour despite our previous conversation. 

XXXX then referred my account to a collection company called Afni Inc PXXXX. XXXX  XXXX XXXX, IL XXXX XXXX I was unknowing of this until XX/XX/XXXX when I ordered my annual credit report and saw that Afni placed the XXXX cable bill on my credit profile. 

I have never received a call from Afni. I have never spoken with anyone from Afni but yet they took it upon themselves to place an item on my credit file from XXXX ... an entire 3 years later. 

Even up until recently, Afni continues to take it upon themselves to negatively report to my credit file as of XXXX and XX/XX/XXXX. 

Their unscrupulous reporting has eroded and damaged my credit by 70 points. 

In the midst of a global pandemic where my credit file may need to be referenced ... Afnis unjust business practices has cost me both economic opportunities and dwindled my credit score. 

They know that most people take their credit scores very seriously so they use these shadowy tactics in an effort to collect debts. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

I have had a Citibank credit card for 20 years and the last month I paid the payment twice in a single month. When I got my next statement I was charged a late fee simply because the second payment didnt fall after their statement date. 
I spoke with them and they acknowledged they see the two payments but refused to remove the charge.

This is simply forcing me as a consumer to fall within the limitations of their technology to recognize I am NOT late and I paid them two payments. You would think logic would play a role here but no, Citibank like the rest of the financial institutions has no regard for customers or common sense. 

I as their customer and an upstanding member of society am now punished for paying too quickly. This is not to mention this will appear as a 30 days late on my credit. This is just plain wrong and dishonest.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Student loan

On XX/XX/2022, I submitted two documents certifying employment to Mohela ( federal student loan processor ) for the PSLF program. After several months, they were marked processed on my account with mohela.com. However, the payment counts was not updated to reflect the additional qualifying payments. 

I submitted written questions about this on XX/XX/2022 and XX/XX/2022. I attempted to call their customer service number weekly between XX/XX/2022 and XX/XX/2022. On XX/XX/2022, after being on hold for a couple of hours, I finally reached a customer service representative. When she looked at my account, she was perplexed as to why the documents certifying employment were marked processed, but my account was not updated. She verifying that the employers listed were qualifying employers. She said she would submit tickets to update my payment counts right away. At this time, those payment counts still have not been updated. I am concerned that they will not be. 

Dealing with Mohela has been much worse than the former federal loan processor. Its incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX VA XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00}, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report when I noticed a item that was not autorized and I would like it to be removed. 
XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I tried to get my credit report from XXXX says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get Experian credit report or XXXX credit report don't know why. Because these are free to receive every week.
Product: Vehicle loan or lease

Bofa doesn't have a perfected lien. They are committing securities fraud by not paying me my dividends. This is documentation related to a case I filed. They won't release the title. I have attached the UCC11 as well as a UCC1. My company owns the car not them. They dealer coerced me to sign documents at time of purchase or they wouldn't release my vehicle
Product: Mortgage

My first mortgage payment was due on XX/XX/XXXX. On XX/XX/XXXX I made a partial payment ( principal and escrow amount ) to my account. This is problem 1, as I then received something from XXXX XXXX stating Stockton Mortgage had placed something on my account and my credit score dropped. They made reference to me making a partial payment ( which I am entitled to do, and their system allowed it ). On XXXX I logged on to my account to make the remaining payment. On line I was denied as the system said I must make the full monthly payment. I then called the provided and I was told they would make adjustments and to call back on XX/XX/XXXX or XX/XX/XXXX to make the remaining payment, as they had to fix my initial payment in the system. Well on XX/XX/XXXX I logged in and the system states " your account is not eligible for the one time payment option ''. However, one time payment is an option on the website. I, or any consumer for that matter should have the option to make a payment on mortgage at any time. There are multiple studies and thousands of articles that prove making a biweekly mortgage payment reduces the amount of interest and the length of the term of the loan. So why is that I, or any other consumer of theirs, must make a 1 time payment for the full amount? That is not consumer friendly by any stretch of the means. I filed a complaint with the Ohio Attorney Generals office and since that time I have been blocked from making one time payments on my mortgage. So now i have to call and pay {$11.00} each time i want to make a payment? I'm being penalized for questioning my rights as a consumer. I was told over the phone by XXXX on XX/XX/XXXX that I am only allowed to make the full payment. Any partial payment will be applied to escrow or principal, but will not count towards my monthly payment. How is that legal? On the Stockton Mortgage payment website they give several examples of making payment and biweekly payments is one of them. yet I was told I do not qualify for biweekly payments. What is the criteria? I qualify for a loan but can't make biweekly payments? Now I can't even make one time payments to my account on the principal amount. Something about this is not right. I should have the right to make payments to my account at any time. I'm not asking for hardship. I'm not asking for Covid relief payments. I am simply asking for my right to make payments on my account that will fall within the necessary billing cycle to keep my account current. I am asking for my right to make those payments that will allow me due process to have the option to pay my interest down early and the term of my mortgage off early. The company has taken all my rights. When I complain then Stockton Mortgage retaliates by punishing me and requiring me to call and make over the phone payments for a fee of {$11.00} and then they make my credit report that I made partial payment, ( although the payment was made early before the due date )
Product: Credit reporting or other personal consumer reports

I applied for a loan online, and the company did something fraudulent with my bank account. Nonetheless I never owed the bank any amount of money, but they have for the last 4 and a half years put on my ChexSystems report that I conducted fraudulent activity. Now Im unable to open another account. My intention was never fraud, and when I called the bank they were also able to tell me that the people who had done the fraud on my account was located in another country. So I contacted the bank, XXXX  XXXX XXXX and they stated that because I gave them my information I have to held liable, people apply for loans every day. Its not fair that they are treating me as if fraud was my intention. Also it states in my report that any money owed has been paid, but thats not accurate because I never owed the bank anything.
Product: Debt collection

Caine and weiner refused to remove this debt from my XXXX credit report and still report this negative item which is not a negative item on my credit report. They even put a cease and desist address on my credit report and XXXX will not take it out cause that is not my address nor was other addresses they had there. But back to the matter at hand. You are trying to collect a debt that is not owed to XXXX  and I never told them to add this to my insurance. In fact I got another insurance because their insurance was way too high for two cars I got XXXX XXXX insurance. And I sent a photo of the policy. This account came back verified and how. I have been trying to get you to remove it and you are persistent in this illegal matter of reporting something on my credit report that is false. You also came at me in an email to attempt to collect and that is way illegal.

15 US code 1692c ( a ) ( 1 ) ( 2 ) 15 US code 2681 ( I )
Product: Debt collection

on XX/XX/23 I was looking into my credit report and noticed an unknown collection from a company name XXXX XXXX XXXX. I had no knowledge of this collection. Apparently, it was from a place that I moved out of last year and when I moved I paid in full. I never had to sign any contract with this original credit nor with this collection company that bought the debt for little money from them. 
On the same day, I called the collection company to request the original contract sign for me since I don own that debt and all the information pertaining to the account and request. the customer service representative started to mock me because of my language she transfer the call to someone else even though I told her I am very capable and able to speak English. She also got upset because I told her that I am not going to give detailed information such as SSC and address because I don't feel comfortable and I don't own that debt. then she proceeds to tell me that I own that debt and I have until the XXXX of XXXX to pay or that I going to lose my credit. 
Attached you can see the last bill I had before moving from that place. on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX
Product: Mortgage

I sent a notice to rocket mortgage requiring a request for inspection of my wet ink original promissory note and proof of verification and validation of debt, proof of valid contract, proof of they are following GAAP and are the holder in due course.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

I am a retired XXXX XXXX. I got a notice prior to retirement about XXXX via email and then no additional notices. XXXX then used an address that was almost XXXX XXXX XXXX to send the notices to so I never received the notice despite the XXXX having my correct address. Then they sent me to collections. I tried to contact my congressman ( XXXX XXXX ) for help but he did not help me. I then disputed it with the credit bureaus and they did no investigation. This is significantly affecting my livelihood. The amount was {$310.00}. I think this is outrageous abuse of this process. I need help, please.
Product: Debt collection

We terminated our lease with the XXXX XXXX in XXXX NH and paid the amount due in full when turning in our keys. XXXX  then charged us an additional {$990.00}. I never got any bill, never got a phone call. National Credit Systems called us in XX/XX/2018 saying we owed them. I called the XXXX  and they said they sold the debt but would not tell me to whom. I sent NCS a certified mail with a notice of dispute on XX/XX/18, heard nothing, sent it again on XX/XX/18 and got back a copy of our XXXX  lease, so I then a settlement offer on XX/XX/18. We have never since heard back from them. I am asking assistance from this agency to mediate the matter and force NCS to comply fully with the request I made in regards to The Fair Debt Collection Practices Act. I require more than them sending old copies of a bill which did not exist at the time we paid our bill and moved.
Product: Checking or savings account

On XX/XX/XXXX I received a fraud alert for my Chine account. I contacted Chime and spoke with a representative named XXXX He said 2 transactions 1 from XXXX for XXXX and XXXX from a company called XXXX  for XXXX had been made and they weren't my transactions. Due to this fraud I asked to cancel my debit and credit builder card and send new ones. The rep said they were canceled and assured me my account was secure. Come to find out my cards had not been canceled just reissued with the EXACT SAME info and my account was completely emptied. {$940.00} and {$580.00} between XX/XX/XXXX and XX/XX/XXXX. When I called back on XX/XX/XXXX to speak with a XXXX I was told yes they saw I requested my cards be canceled but they didn't do it because I spoke with customer service not the dispute department. I was told some transactions were still pending and she said she could cancel those and to wait until the transactions settled and then contact the dispute department. XXXX days for an " investigation ''!! I have to pay rent, buy food, pay my powe bill put gas in my car, buy toilet paper! XXXX days I have to wait to get my money back because the company erred? No way. Please help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not apply for or ever receive a XXXX  XXXX credit card. this is a fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.