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

In 2023 i got behind with my capitol one card. I called and made a payment to get caught up. Then agreed to a monthly payment plan, {$85.00}. To get back in compliance. I was told i had been placed on the ( charged off list ) and i could never get another capitol one card. How can i be placed as a charge off, in a dispute and payment plan at the same time? i don't understand.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by Equifax. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX High Balance : {$1000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Reports a 30-day late payment for XX/XX/XXXX, which is inaccurate. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Civil liability for willful noncompliance is a civil lawsuit pursuant XXXX5 USC 1681n.

Experian You continue to willfully ignore the Federal laws you violated. I will not stop until I get my remedy. I have sent disputes time and time again and you continue to ignore FEDERAL LAW. I've sent a dispute on XX/XX/21 and XX/XX/21 showing the LAWS you have violated. I also sent proof from the company and you still ignored it while saying verified without any proof which is another violation of FEDERAL LAW 15 U.S.C 1681. Pursuant to 1681 ( c ) ( A ) ( 5 ) any adverse action is to be excluded from consumer reports. As a consumer, I demand that you remove DEPT OF VETERANS AFFAI XXXX off my credit report and never reinsert it again. By not adhering to my rights you are in violation of government law and I will move forward with litigation for damages and willful noncompliance. As a consumer, I have a right to privacy pursuant to 1681a. The affidavit should be answered line by line and if not I will be using the documents for exhibits that will prove you are in violation. This is my right and I will not hesitate to pursue further actions to enforce the protection of my consumer rights if need be. You are not to go to the data furnisher I'm the Orginal Creditor/Natural Person I say what I want to be on my credit report or not. It's my RIGHT to do so. I exercise my right as a consumer and tell you to remove DEPT OF VETERANS AFFAI XXXX off my report. I'm not asking, I'm demanding!! Don't tell me to send you any extra documents or that you have to check with the creditor, it doesn't matter. You are violating Federal Law by furnishing my personal information without my consent. That's called identity theft, and those are criminal ACTIONS!!
Product: Credit card or prepaid card

I have more than {$400.00} in one of my Citi double cash account and found out that all my cash back were wiped out completely without any notice. Contacted the bank and were told they expires after 12 month even tho my account is in good standing. I put all my spending on this particular card last year and I haven't been able to spend much money because I am an XXXX XXXX XXXX  and been on XXXX most of the year due to COVID. I tried to explain my situation and were told there's nothing they can do at all. No notice/email was sent out about the award points going to expire within a year even when the account was always paid full on time each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

They have ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has failed to properly show full proof of the account identity Also attempted on several occasions to return the material in question serial number XXXX This company is fraudulently billing me for services not rendered and refuse to remove from my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable account ( XXXX ). The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting

A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, per a court order, I have been paying on two accounts from XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two XXXX XXXX XXXX accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors XXXX XXXX XXXX. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to XXXX XXXX XXXX. Since the beginning of this, XXXX XXXX XXXX has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX at XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My name is XXXX XXXX. XXXX years ago I opened a landlord/tenant security deposit at NBT Bank XXXX XXXX XXXX XXXX XXXX. I opened the account with the branch manager XXXX. Recently my tenant moved out so I went on XXXX to retrieve her security deposit with any interest. I was told by the teller that the account had a XXXX balance. I explained how this was impossible and asked her to double check, upon some investigation the teller learned the money had been withdrawn by the bank yet the account wasn't closed. I waited an hour and a half to speak with the branch manager ( same person I opened the account with ) who stated the account was deemed dormant and the money was given to the state. He told me not to worry and he would get it resolved, he stated that tenant security accounts are not supposed to go dormant and the account was indeed set up properly. He later called me at home to tell me the State had the money and the woman ( my tenant ) would have to retrieve it from there. I feel I am responsible for returning this security deposit to the tenant, she has been patient but explained to me she needs the money for upcoming expenses. This mistake was clearly and admittedly the banks fault. Whether the account was set up incorrectly or not is not my problem. I followed the state guidelines with tenant security deposits. The branch manager XXXX  later checked again and reported to me the account was set up properly ... they keep passing the buck as to who's fault it is. Either way, it wasn't mine! My main concern is I have checked the state website for unclaimed funds on my tenants behalf and the funds are not even there! This is an erroneous error that needs to be rectified.
Product: Checking or savings account

On XXXX XX/XX/2025 {$6400.00} was withdrawn from my account without authorization to pay a loan with the same bank. I was in talks with the bank prior to settle the debt, but they just withdrew it without authorization.
Product: Prepaid card

My XXXX XXXX XXXX was charged for about $ XXXX some transactions I didnt made or authorize. I filed a claim and it was denied with no reason. I told the bank of america i was on XXXX XXXX at the tine those transactions where made but that wasnt enough to prove it wasn't me who did the transactions.
Product: Credit reporting or other personal consumer reports

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXXXXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.
Product: Debt collection

Tried calling the company on XX/XX/21 to go over account was advise that they sent out notice and a settlement offer advise did not receive! Ask to provide information and was advise they will not! And do not have to go over that information! Asked for a higher representative and was advise no! Rep on the line then advice she is a supervisor ( which goes against udapp : miss representation ) then I was placed on hold for at least 5 minutes! Tired to call back and was passed around the company just advise pay your bill! And that they will just advise Im refusing to pay advise the reason for the call is to resolve advise then pay thats how I can resolve bill. Advise Im trying to get an understanding of my account and was advise as long as I understand that the balance is due nothing else is important PAY YOUR BILL no need to talk about anything else and the call was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called Transunion credit dispute number to dispute negative information in my credit report. They picked up after 1 hour then proceeded to transfer the call where they kept me on hold for 2 hours until they got off of work and never assisted me with my dispute at all. 
This is the 2nd time this was done to me. I am being ignored and not helped at all.
Product: Credit card or prepaid card

I booked a flight through the Capital One travel portal, using my Capital One Venture X Business Card. 

I booked a " fully refundable '' fare, and I have included the email I got after booking confirming that, as well as the cancellation email confirming that. 

But when I had to cancel the flight, Capital One did not refund me. Instead, they gave me a travel credit that can only be used through the Capital One travel portal, and I have closed my credit card, so there's no way for me to use that. 

I know this is not an issue with the XXXX XXXX -- this is an issue with Capital One, because I have booked a fully refundable ticket directly with XXXX XXXX before, and they do indeed provide a cash refund when you cancel. This is an issue where Capital One is being deceitful.
Product: Credit card or prepaid card

Good Evening ; I been trying to reach out to capital one for a while now requesting detail documents pertaining agreement, consent, the original application, and question about the way it's reporting on my credit report from all the 3 credit bureaus. Then I get something canned as templates from them, asking me for more information. I simply asked for detail verification of this alleged debt, exercising my rights under FRCA guidelines of section 623 where it allows me as a consumer to address the furnisher directly. And then I received general templates saying that they want me to be more specific. Why can they use the 30 days window to investigate and provide me the documentation requested?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS Account XXXX XXXX ) XXXX XXXX XXXX HAS VIOLATED MY RIGHTS Acct XXXX XXXX XXXX XXXX XXXX & XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Therefore
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i received a daunting correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX stating and I state verbatim. 

XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. We would like to offer you the opportunity to resolve your account for less than the total amount of the debt. The creditor will accept {$280.00} to resolve your account if the payment is received by XX/XX/XXXX. We are not obligated to renew this offer. This offer and the timeframe for accepting it does not in any way affect your right to dispute or request verification of the debt by XX/XX/XXXX as described in this letter. If you do not accept this offer, you are not giving up any of your rights regarding this debt. 


You had an XXXX XXXX XXXX XXXX XXXX account with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you owed : Between XX/XX/XXXX and today : {$1500.00} You were charged this amount in interest : + {$0.00} You were charged this amount in fees : You paid or were credited this amount + {$0.00} toward the debt : {$1000.00} Total amount of the debt now : {$570.00} Call or write to us by XX/XX/XXXX todisputeallor part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, wemuststop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
XXXX Whatelse can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we will stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX. 
Go to XXXX XXXX XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. To Make Online Payments Visit : XXXX Use Reference Number : XXXX Your XXXX I can find many things wrong with this daunting letter from this alleged creditor who is clearly trying to swindle {$280.00} out of the claimant is theres more than five or six violations for one is permissible purpose because XXXX XXXX XXXX, XXXX report to my consumer report without my permission, consent, or knowledge, until after the fact which was right away, disputed and taken down, which deletion proves no admissible purpose, trying to connect a debt at the same time as the original creditor, trying to collect a debt as well sitting here, looking at that collection letter with over seven violations and Im looking for monetary relief cease and desist on XXXX XXXX XXXX, XXXX
Product: Mortgage

This complaint is in regards to my Conventional Home Loan # ending -XXXX with Wells Fargo Home Mortgage ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and the miscalculation of my escrow account. 

On XX/XX/XXXX I was informed by monthly payment would go up from {$1800.00} to {$1900.00} ( XXXX or 8.25 % ) unless I paid {$1000.00} by XX/XX/XXXX. 

I have elected to pay the amount requested. 

The reason sited for the increase was due to an Escrow Review where my balance would drop below the minimum requirements. 

Upon closer inspection of the forms the reason for the increase was a failure to include my property insurance by Wells Fargo. See page 2 of the XX/XX/XXXX Escrow Review Statement.  Actual XX/XX/XXXX to XX/XX/XXXX does not include Property Insurance but  XX/XX/XXXX to XX/XX/XXXX Projected does include an estimated charge of {$2400.00}. 

I took out this loan in XX/XX/XXXX and I actually received a refund in XX/XX/XXXX ( attached XX/XX/XXXX Escrow Review Statement ). 

The problem appears that insurance was not assessed into my Escrow account due to prepayment at the time of funding my loan. As apart of my closing costs I prepaid 12 months of insurance in the amount of {$2600.00} ( page 3 of my closing documents - see attached image ). 

After gathering these documents I contacted Wells Fargo Mortgage company on the number listed on the Escrow Review Statement XXXX on XX/XX/XXXX @ XXXX XXXX CST. I spoke with XXXX and relayed the above information, she did not dispute any of the enclosed details and re-ran the escrow report which came back with the same figures in the XX/XX/XXXX Escrow Statement. 


My complaint against Wells Fargo Mortgage is their Escrow calculations are only built off certain periods of time and do not take into account circumstances such as prepayment of insurance at closing. Furthermore, it appears Wells Fargo only utilizes certain periods of time Actual vs. Projected that fall within the mandated Escrow Review period. I recognize I am responsible for paying property insurance and property taxes ; however, I have relied upon the calculations of my lender to prevent surprise. I also understand my monthly payment can change due to fluctuations in property taxes, property valuations, and property insurance rates. None of these circumstances applied in my situation, my taxes nor my insurance went up. I am very disappointed in the services provided by Wells Fargo Home Mortgage they did not look after my interests as their customer.
Product: Credit card or prepaid card

Synchrony bank charged my card XXXX seven times on XX/XX/2021 when they were supposed to take off a XXXX charge that was for a exchanged washer on XX/XX/2021. They also took off all of my promotions that didnt accrue interest when trying to refund the money. One that is supposed to expire this month. I have spoken to a XXXX, XXXX and a XXXX which have been no help at all, and were rude. Synchrony already acknowledged the mistake, but refunded the wrong amount, and I am being still charged for 2 washers rather than one. I have no idea what is going on at this point. I have been a good customer for years. I intend to take legal action if this isnt resolved.