23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Capital One persists in charging my checking account for previously disputed and credited XXXX recurring charge. Charges were disputed and reversed. Recurring {$100.00} charge from XXXX is not authorized, not recognized, has been repeatedly disputed. XXXX account has long been closed. No recurring charges are authorized. Capital One checking account XXXX was closed over fraudulent recurring charges. Capital reopens account and replaces false recurring charges after they were already disputed and reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and rcvd The Emergency COVID forbearance due to financial difficulty 's resulting from my tenants hardship due to COVID since XXXX XXXX.Wells Fargo sent all COVID exempt customers ( such as myself ) an agreement that during the COVID forbearance period ( mandated by law ) they would not report non payment to any of the 3 agencies. They DID report it and in fact reported every month as a default and negative credit report. The COVID forebearance laws are public knowledge through out USA ; therefore they have violated their contract w me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one keeps updating a Walmart account which now is delinquent on my XXXX credit report please see attached. I didnt really know but the representative says its reporting I owed a balance when it was fraud on my account and it was investigated and found to be fraud on my Walmart/capital one card and I called several times and they kept saying they were gon na update it right. No late payments and no balance. No I get an alert and my scores goes down 40 points. What is the problem? Why cant you get right after about 6 months youd think this would be corrected by now.SEND ME A COPY OF THE FRAUD CLAIM AND THAT MY REPORTS WOULD BE UPDATED! XXXX  has stopped honoring FTC reports etc especially when it comes to inquiries on my credit reports saying they only send out letters and if the dont respond then the inquirys still stay on your report. My problem with them is they are responding to my complaints about me being a victim of identity theft why arent you doing anything about it? This practice you have adopted about the inquiries is wrong and its not fair or right.
Product: Credit reporting or other personal consumer reports

This item XXXX XXXX & the XXXX # XXXX account credit Report is inaccuracies Payment history and last Date of activity and Balance are all incorrect Delete it from my credit Report Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX,, I have attempted to contact Equifax regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Equifax has failed to respond to my dispute letter sent on XX/XX/2018 and received by Equifax on XX/XX/2018 Equifax has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with the FCRA 30 day deadline. 

Ps : I noticed it said I shouldnt write any personal info!! If you do need any personal information to help this situation please contact me I have all documentation ready. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to Equifax on XX/XX/XXXX XXXX
Product: Debt collection

Linebarger Goggan Blair & Sampson, LLP sent me a second notice of unpaid tolls and fees. I have never been to Delaware. If they are not scammers, it can be there someone had stolen my old car plate and used it.
Product: Credit card or prepaid card

reopening  XXXX  the  XXXX   XXXX  that has the account in the closure statement is not me.   If you compare th e DOB and SSN they  are not the same and not the same person. You have falsely accused the wrong person and placed lien against the wrong person.     We are asking for you to remove the lien on our home which is not the address or home in the documents or on the credit applications.     We are requesting a letter so we can provide to our title company and our mortgage company that the lien and judgement is not against me the  XXXX   XXXX  in  XXXX  but against the  XXXX   XXXX   XXXX   XXXX  in  XXXX  wa. Please review and compare the application information against my information and credit report- they do not match It appears when the underwriters for  XXXX   did a  public record search on simply the name  XXXX   XXXX   XXXX   they  pulled up information regarding a  XXXX    XXXX    XXXX   (  veteran ) who lives in  XXXX   that  had a civil suit against him in  XXXX  see attached court documents.     Attached also is the  XXXX   County parcel property information o n  XXXX   XXXX   XXXX  in  XXXX  WA.     From  XXXX   XXXX   XXXX   XXXX  WA  per  credit reports and our property information and history you can see  XXXX   was  not in the military and did not nor does he have an account with Chase bank. And Did not and has not ever lived in  XXXX  WA.     There is not a lien on our property per  XXXX  County Records and if there was there would have been some sort of communication to myself and  XXXX  over the pas st 7-8 y ears about a lien on our property- since the Homeowners, bank and  XXXX  County Tax someone would have mentioned it to us over the past 7 years and Chase bank would have also mailed something to our house or contacted us but there has never been any communication with us from any of the listed entities and from the public record search I did there is not a lien on our house.     we went to the  XXXX   County  Courthouse and go copies of all the judgements and court cases against the  XXXX   XXXX  in  XXXX   (  not us ) these are attached- as you can compare the  XXXX   XXXX  in  XXXX  per the  XXXX  credit reports attached does not have any bad credit and did not have credit with any of these companies in the past and therefore we do not have a judgement against us or a lien on our house.       please provide a letter stating  XXXX   XXXX  in  XXXX  does not have a judgement or lien against his property in woodinville and does not owe you money and has never had an account with your company ( and never will ) letter and contact me within  72 h ours.     Since this complaint was opened previously and requested removal over 30 days ago.
Product: Payday loan, title loan, or personal loan

I am 100 % XXXX losing XXXX unable to XXXX  and no longer have XXXX  after 2 XXXX XXXX and a XXXX  XXXX. My health is further deteriorating and upon death they may take this amount from my estate which is what my family my need to take care of these expenses. I have a balance less than {$800.00}. I was put into a hardship program after the first XXXX XXXX because I had no income. I now receive {$900.00} in Social Security but have expenses such as rent food utility. I called XXXX to negotiate a pay off of half and they have refused. I have been paying this loan for almost 6 yrs.They offered a pay off {$100.00} less as a pay off. I am asking that you might be able to help me work with them. I am not asking for anything much except to at least pay this balance of with a smaller negotiated amount. Thank You
Product: Credit reporting or other personal consumer reports

I have hard inquiries over XXXX years old still on my credit reports and inquiries I dont know about.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MERCHANTS CREDIT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Student loan

Good afternoon, Over 2 months ago, I submitted an application through XXXX to switch into the XXXX repayment plan. I received confirmation from Aidvantage that the application had been received and was processing. I waited some time and then emailed aidvantage customer support to get an update regarding the application. On XX/XX/XXXX, I received an email from aidvantage customer support requesting that I be patient with aidvantage to be enrolled in the XXXX plan as their company has received an overwhelming amount of calls and emails from customers and would need time to respond to everyone and process all the applications. In that email, I was told to give Aidvantage 30-45 days to process my application and enroll me in the XXXX plan. At this point, we have surpassed 45 days by over 2 weeks. I received that email on XX/XX/XXXX. And today is XX/XX/XXXX. It has been over 60 days at this point and I have not received any new information or updates from Aidvantage. I feel I have been more than patient. As I'm sure you can understand, this is very distressing. I made my 1st payment of {$550.00} on XX/XX/XXXX and nearly overdrew my account. That amount is staggering to me and simply not affordable. I can not continue to make that payment going forward however, I also am a responsible person and absolutely do not want to default on my loans. I have no problem making on time monthly payments I can afford. Under the new XXXX plan, my projected monthly payment is around {$200.00}. That is an amount I can afford for the foreseeable future. I requested an update regarding when I will be enrolled in the XXXX plan, and hopefully, it is just days away. I will not be able to make another payment of {$550.00} this month or any month in the future. It is simply too high due to my current income. Additionally, I have sent between 40 and 130 emails every day this week to Aidvantage customer support and have received no response from them. They are showing to be truly incompetent as my student loan servicer. They need to be held accountable. They are harming peoples financial situations due to their ineptitude. Please hold them accountable. Thank you
Product: Credit card or prepaid card

I received an email saying that my credit score had dropped 45 points which is very odd considering I have always been consistent with payments. I with into the app and it said that an account was open XX/XX/XXXX but I havent opened an account. The account was from Capital One.
Product: Credit reporting or other personal consumer reports

I have just noticed that there have been illegal transactions in my account since yesterday, which I was completely unaware of. The last transaction I made was to my school, XXXX XXXX in XXXX. It seems that someone has hacked into my account, as I was not aware of these unauthorized transactions at all.
Product: Mortgage

Log on to web site to pay my home loan amount due was {$1200.00} when I chick to pay XXXX XXXX said I had to pay {$2500.00} and would not accept XXXX payment of {$1200.00} when I tryed calling sls loan sevice XXXX to pay was tranfed to collection dept and I could never get someone only voice machine left over 10 messages when finally got some one 3 days later they assured me all was well and I would not be reported to credit XXXX but I was thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed an account that I found to be inaccurate on my credit report- this was done with XXXX through XXXX XXXX. After a few weeks, I hadnt heard anything regarding results of the dispute so once checking credit karma, the dispute now had the status of completed. I reached out to XXXX by phone and let them know that I NEVER received my results from the dispute- I was told that the results were sent to my mailing address on XX/XX/year>. Once looking back on my report about a week later, the account was removed. On XX/XX/year> I viewed my updated credit report and noticed the same account was back on my credit report, just under a different collection company. I reached out to XXXX by phone on XXXX XXXX and was refused my results for the prior dispute ( same account ), I asked why the account was back on my report after I had proven that it did not belong to me and it was removed, he told me that he was unaware of the reason - who I spoke with assured me he was refusing MY results on the recorded line. I never received notice or any form of communication from this new collections company, never been in any business with them, nor did I give them consent to furnish anything upon my credit report!
Product: Checking or savings account

Existing child support wage execution was in effect. I am not supposed to have two garnishments simultaneously and my bank account was levied for my student aid refund.
Product: Mortgage

This complaint is in relation to the loan process for my residential condominium mortgage with Investors Bank. I embarked the mortgage journey with Investors Bank at the end of XX/XX/2020. I received the approval letter nearly 3 months later, on XX/XX/2020. 

Investors Bank attributed the failure to deliver timely underwriting to the bank 's lack of operational capacity. The Bank 's operational limitation did not hinder it from making sales pitches that promised me, its customer. As a result of the delay, we, the customer, are bearing financial costs including lease extension and duplicated moving costs. Investors Bank should lack of accountability for its failure to provide promised service. 

Certain incidences that caused the significant delay include : 1. While the process formally kicked-off beginning of XX/XX/2020, the file was not reviewed by Mr. XXXX and team until XX/XX/2020. 
2. While we submitted Home Insurance to Investors Bank at the beginning of XX/XX/2020, Investors Bank failed to incorporate it into our package. Resulting in a delay. 
3. Investors Bank sent the Condominium Questionnaire to the wrong Association. Consequently, Mr. XXXX erroneously told us our condominium is unwarranted. I had to personally review the questionnaire to advise him of his mistake. Resulting in considerable delay. 
4. Investors Bank appraised the property twice, resulting in a duplicated charge. My fianc and I subsequently discovered this error. 
5. Investors Bank requested the building manager for Master Deed, bylaws and followed-up today ( XX/XX/XXXX ). However, the building manager confirmed she already submitted the documents on XX/XX/2020.  Resulting in further delay. 

I escalated this matter to Mrs. XXXX XXXX on XX/XX/2020. It is unclear why the loan continues to be delayed. When I questioned Investors Bank around its lack of accountability, one of its SVP proceeded to insult my integrity. I am questioning if it is the banks capacity issue resulting in deterioration in service quality, or the delay demonstrated ethnic discrimination against XXXX. 

Thank you.
Product: Checking or savings account

On XX/XX/2021 after XXXX, I tried making a {$700.00} withdrawal from a stand alone Wells Fargo ATM. The process was almost complete until the machine was about to give me the money. The machine froze and then restarted and my money was never withdrawn from the machine. I immediately received an email error message telling me to call if i didn't receive my money. I called, made a claim, and waited for the 2-3 days for investigation they told me to wait. After about 4-5 days I called for an update and they asked me if i was referring to the double charge on my account and i told them no. " It is about the one time charge but no money was given to me '', I told them. They told me to give them 10 days and I later received an email that my claim was over and i was denied my money. I called again and a representative told me he would do another claim because they probably submitted the wrong claim of double charge which is why i was denied. I then spoke to a resolution specialist which told me they couldn't help me and to look for outside sources to try to get my money. I waited again and called several days later and they told me it was closed and denied again. I went to the bank and a banker called claims and spoke with a Supervisor and he made another claim. It has been 3 weeks and i have not received my money. Luckily I am not in need of money but I feel for customers that go through this and are short in money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information : I recently filed a report against Caine & Weiner in reference to an account that I have been disputing over a year and I read the response that they never received any Correspondence from me for an alleged debt that they say that I owe them. The last correspondence that I sent was received by there office was on XX/XX/XXXX which was a debt validation letter 15 USC 1692 ( g ) b and also a cease and desist letter 15 USC 1692c ( c ) and they responded on XX/XX/XXXX. Per congress when an alleged debt is being disputed it is supposed to be removed from the consumer report until the investigation is final which was never done and please see my proof of delivery.
Product: Debt collection

Verification of debt.. Not owed to creditor as it has not been validated. I have included a handwritten letter.
Product: Mortgage

My home equity loan was effective XX/XX/XXXX for {$120000.00} with a 12 % 30 year fixed interest rate with a maturity date of XXXX/XXXX/XXXX. The monthly payment was {$1300.00}. On XX/XX/XXXX, I requested Chase to combine my first and second mortgages for one payment. Chase said NO ; but would allow me, though I was not in financial trouble, to participate in its modification program and reduce the interest rate on my equity loan a few percentage points to 10.87 % with a maturity date of XXXX/XXXX/XXXX or 47 years. This resulted in a {$170.00} monthly savings. After closely reviewing my most recent Statement and doing some math, I was faced with a horrible truth ; that is, from XX/XX/XXXX to date only an average of about {$38.00} a month has been applied to the principal of the loan and the balance applied to interest. I learned that since XX/XX/XXXX, I have paid Chase approximately {$350000.00} in interest and only {$3100.00} has been applied to the principal. I thought this must be some kind of inadvertent mistake because I would NEVER EVER agree to such an insane arrangement. This feature of the loan was not pointed out to me or discussed before I signed the Agreement. I did some research to try to understand what had happened to me and learned that Chase had taken advantage of an XXXX XXXX Senior female by imposing on me a " Daily Simple Interest Loan. '' Simply put, interest is charged everyday rather than monthly as I believed. 

I feel so violated and offended that I sought to do business with what I thought was a reputable financial institution that turned out to be a predator of Senior Citizens. It is for these reasons I file this complaint with your organization.
Product: Debt collection

Capital 1 approved my application for a credit card, but wanted {$99.00} down. I gave them {$100.00}. I used the money and then I would put it back. After a couple of months, I decided I wanted to raise my deposit to {$200.00}. I put {$200.00} on the card and used it, then after the reminders to put more money on the card, I told them I did n't want the card anymore and I closed the account with a XXXX balance. 
Now I am being harassed XXXX times per day, EVERY single day including Sundays. They do n't care if it 's early in the morning or late at night. They call, and call and call. 
I tried to settle this out with several reps, but they all say the same thing. I have to give them money. Why? It was my deposit and if I choose not to use their card, and I no longer want the card, why are they forcing me to keep this card and saying I owe them? My account was at a XXXX balance when I closed the account. 
I recently received an invoice that says '' your acct has been suspended ''. What 's up with that? I CLOSED my account and nobody seems to want to hear me. I do n't want the card. I decided that I did n't want this pre-paid credit card, and now they are taking me through a lot of aggravation, especially the non-stop calls, after I told them I am not going to pay another cent, I cut up the card, and want them to stop calling me. This is MY deposit they want, and I have the right to not put another deposit down if I do n't want the card, right?
Product: Credit card

Dear XXXX, I am writing to formally lodge a complaint against Chase Bank regarding their unethical practices and mishandling of my account. 

Recently, I initiated a dispute with Chase Bank regarding unauthorized transactions on my account. Despite providing substantial evidence to support my claim, Chase Bank not only failed to investigate the matter properly but also unlawfully withheld the disputed funds, effectively embezzling money from my account. This blatant disregard for customer trust and financial integrity is deeply concerning and unacceptable. 

In what appears to be an act of retaliation, Chase Bank arbitrarily closed my credit card account without prior notice or explanation. This action has had severe repercussions on my financial standing and creditworthiness, leaving me without access to essential banking services. 

Furthermore, I would like to bring to your attention an incident involving a refund from XXXX. Despite the refund amount of {$680.00} being credited to my account, Chase Bank neglected to adjust the balance accordingly. Consequently, I have been unfairly burdened with the responsibility of continuing to make repayments for a debt that has already been settled. 

These actions by Chase Bank not only violate ethical banking standards but also demonstrate a blatant disregard for customer rights and consumer protection laws. I urge the XXXX to investigate this matter thoroughly and ensure that appropriate measures are taken to rectify the situation. 

I demand that Chase Bank : 1. Reopen my credit card account immediately. 
2. Adjust the balance to reflect the refunded amount from XXXX. 
3. Provide compensation for the distress and inconvenience caused by their actions. 

Failure to address these issues in a satisfactory manner will compel me to explore further legal avenues to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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