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

I opened an account in XXXX of 2020 with Capitol One. I received a few checks for rental assistance from XXXX XXXX XXXX I deposited into my account. 
I was trouble receiving my mail ( Post office issues ) and asked XXXX to reissue the checks originally sent to me. When XXXX reissued and mailed the replacement checks, it seems I received the cancelled checks as well as the replacement checks at the same time but I was not aware til I made my deposit. The replaced checks were returned and Capitol One froze my account. 

When I called customer service to see why my account was frozen they had me speak to the XXXX XXXX. I asked them to clarify why they had my account frozen but they refused and told me they couldnt answer any questions. They were very rude to me, and questioning me as if I was a criminal who deposited fake checks. I told them this was XXXX public assistance checks and asked them to please release my account as this was to assist with a hardship I was having. The agent continued to question me, asked me the address of my center, my case worker, what the check was for and asked for a contact number with an agent at the center to verify my case. All govt agencies were shut down because of the Pandemic so at the time the only way to communicate with XXXX was through email and a general number which only rang busy. When I explained this to Capitol One they told me they couldnt help me and they would keep my account frozen and the rude agent hung up on me without ever explaining why my account was frozen. 

I called back to complain with a supervisor who explained to me it was because some of my deposits were returned but once fully cleared funds would be released to me. Its been a year and half, funds were cleared then but my account remains frozen with no explanation why. 

Ive called the bank NUMEROUS times and even told them I was exempt from this act as it was Public Assistance. I received a letter telling me my account was closed around XX/XX/2020. I was advised by someone that once a bank closes an account by law theyre suppose to release funds. The bank never did and my account to date remains frozen and gains a few pennies in interest monthly. 

During my last call to them 2 months ago, the agent told me they would confirm the clearance of funds, why? I dont understand, and mail a check for my balance to me. They never did. They never sent me anything in writing confirming an update or response to my requests. 

Please help. Im desperate and feel taken advantage of.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got a copy of my credit report. That has all XXXX credit bureaus at the same time. I looked at XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX that's reporting on TransUnion. This account is inaccurate, incomplete, and reporting wrong payment status information. 
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking TransUnion to do a Reinvestigation on account XXXX XXXX XXXX. TransUnion then sent their investigation results saying the account needed NO CHANGE ( 3 TIMES ) According to 15 U S C 1681i 5 They are suppose to UPDATE, MODIFY, OR DELETE the account.

According to 15 U S C 1681 e b - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 U S C 1681 s-2 Reporting information with actual knowledge of errors. A person shall not furnish 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. 

TransUnion really did not reinvestigate. They lied on an official document saying they did something that they did not actual do. I have evidence to prove my case. See all attachments documentations.

On all 3 investigation, TransUnion never updated the dates. Indicating that they did perform a update on such date or dates. They reporting inaccurate payment status of 30 days past. When the two other credit bureaus are reporting current and never late.
Product: Debt collection

Some  10 plus  years ago my son,  XXXX   XXXX   XXXX , attended a college in  XXXX   XXXX  California. In the past several years, I have tried to obtain receipts, that shows debt owed, payment, debits from the total balan ce. One time some years ago a rep. from Navient   XXXX , settled some of the debt and I was told I only had  XXXX  debt to pay on. J ust two weeks ago, I called Navient, to fin d out my balance. The rep. told me that I had  XXXX  loans totaling some {$42000.00}. Without receiving any debit/credit receipts, the consumer is clearly open for fraud. ( Been told that I had  XXXX  loans vs  XXXX  loa n ) N o one can collect monies without receipts or balance sheets. My bank balance is sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -XXXX  XXXX  XXXX XX/XX/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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX must contact the reporting credit bureau for removal.
Product: Checking or savings account

I purchased a dog training program on XX/XX/XXXX that included a lifetime membership to group classes offered at least once per week. The total was {$3200.00} split into XXXX payments of {$1600.00} to the merchant name " XXXX XXXX ''. The first payment was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. The second payment was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, the dog training company, decided that they would no longer honor the lifetime classes and instead charge a membership of $ XXXX. The company is still in business and not bankrupt, they have just changed their business model and will not honor previous contracts. Another way of thinking of it is if you purchased a yearly subscription for XXXX and 6 months later, XXXX announced that the yearly subscriptions would be cancelled, not honored or refunded and you would have to take the monetary loss and resubscribe on a monthly plan. 

I reached out to Bank of America to dispute one of the {$1600.00} charges from XXXX and the representative told me to mail a letter to their Texas Claims office since the transaction was over 2 months old. I mailed the letter and reason for delayed dispute and my claim was opened on XX/XX/XXXX. I received a request for more documentation but there was no upload option on the Bank of America website. I called and a representative told me to print out the documents and mail it tot the Texas Claims department. On XX/XX/XXXX I received a letter stating that the claim was denied because the dispute was too far back. I called Bank of America again to clarify the issue and was told to send another letter to the Texas Claims office with more detail. I did so, with more detail and documentation and a new claim was opened on XX/XX/XXXX. I received another letter of XX/XX/XXXX stating that the claim was denied again because of the time frame. 

It is clear that there is a disconnect in practice within the Bank of America and that their claims department is not putting the required time and attention into resolving their cases.
Product: Mortgage

I lost my house because the escrow increased every year til I couldn't make payments with Wells Fargo
Product: Credit reporting or other personal consumer reports

I am following up again with you about the bankruptcy that your company is reporting on my credit report. I've attempted several times to have this account removed but somehow your Credit Agency has verified this bankruptcy as being accurate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account should not be showing the current status of 30 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. The XXXX Credit Bureau is attempting to violate this clear understanding. Please Investigate and report the payment status positive and update the late from reporting on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this company run my credit the same day I dont recognize them and the day was XX/XX/2021
Product: Mortgage

This complaint is to address the incorrect escrow analysis generated on XX/XX/2023 and I believe it is incorrect because it is performing an escrow analysis on the old pre-loan modification payment of {$4600.00}. There is also a high amount of confusion for the following two reasons : 1 ) Escrow analysis generated on XX/XX/2023 says there is a surplus of {$2800.00} and 2 ) Signed loan modification says there is an escrow shortage of {$2400.00}. 

As of XX/XX/2023, the loan modification has been notarized and signed by me and delivered by XXXX on XX/XX/2023. Therefore, can you please clarify which is the right number via an official letter? I think a new escrow analysis should be done after the loan modification is completed with the loan-modification payment number. If there is a smaller escrow shortage less than {$2000.00}, I would like to make an escrow-only payment to bring this escrow shortage to {$0.00}. Would UWM also consider to making my monthly escrow payment to be divided to 24 months instead of the standard 12 months ( as shown in this attached letter )?
Product: Credit card or prepaid card

I paid the bill the first month late and assessed a fee which I take full responsibility for. However, I paid the bill the next month two weeks earlier and to my surprise still was assessed a late fee. I again said it was my fault and did not challenge the fee. The third month I mailed the payment overnight in a money order. It was three weeks early and they did not process it until a day after the due date so I was assessed a third fee. 

I realized they were not " up-standing '' in their billing practices. I stopped paying the bill because I was upset. I am willing to pay the full amount and the late fees that now owe. I My complaint has more to do with their billing practices. I would like someone to please look into these practices.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge off Account Under the Fair Debt Collection Practices Act ( FDCPA ) in MD, the Internal Revenue Code Section1099-C & 15 U.S. C. 1681 ( e ) Dear XXXX  XXXX, I am writing to formally dispute the debt collection of this Charge off account [ XXXX ]. I have this debt being reported on my consumer report. This debt is reported as a Charge off and under IRS code 1099-C once a debt is charged off its considered income and can not be considered a debt. Also according to MD Law under the Fair Debt Collection Practices Act ( FDCPA ) ( a ) Within 5 days of the debt collectors first contact, he or she must send you a written validation notice telling you the amount of money you owe, the creditor to whom you owe the money, and what to do if you believe there was a mistake and you dont owe the money. I did not receive a notice from XXXX XXXX with this information. Additionally, under Code 1099-C, creditors are obligated to issue a Form 1099-C when they cancel or discharge a debt of { {$600.00} } or more. Lastly per U S C 1681 ( e ) ( b ) Disputing Capital One 's reporting using 15 U.S.C. 1681 ( e ) ( b ) necessitates a careful examination of the reported information. The provided details reveal discrepancies across the three major credit bureaus, XXXX, XXXX, and Experian, regarding the date account was opened, reported, last activity, last payment and payment history. While the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting, inconsistencies such as differing payment history raise questions about the accuracy and completeness of the reported data. Furthermore, discrepancies in balance information & date last verified among the bureaus undermine the reliability of the reported data. Therefore, under 15 U.S.C. 1681 ( e ) ( b ), XXXX XXXX did not provide accurate information to ensure compliance with FCRA standards and to safeguard my consumer credit rights. I have attached my consumer report dated XX/XX/year>. There are many inaccuracies such as the OPENING DATE OF THE CARD, THE LAST REPORT DATE, DATE OF LAST ACTIVE, LAST DATE VERIFIED, DATE OF LAST PAYMENT, HIGH BALANCE, & PAYMENT HISTORY these things are inaccurate across all three consumer reports. I am disputing the validity of the debt on my consumer report due to lack of validation of debt according to Maryland XXXX Federal Debt Collection Practices Act ( FDCPA ), inaccuracies on my consumer report according to XXXX U.S.C XXXX ( XXXX ), & the Internal Revenue Code Section XXXX, once a debt is charged off its considered income and can not be considered a debt. As a consumer, I have the right to receive accurate and comprehensive information about any alleged debt. Given the aforementioned reasons, I demand a deletion/removal of this account [ XXXX ] immediately with XXXX XXXX violating XXXX violations of my consumer rights.
Product: Vehicle loan or lease

account was opened XX/XX/year> for the amount of {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

this correspondence is reference to predatory lending, I hired a legal firm XXXX XXXX to represent me with current mortgage lender ( PennyMac ) .The loan didn't get modified I paid the firm $ XXXX monthy. My name has been removed off the title and in foreclosure.
Product: Mortgage

This is an official complaint against Millenial Home Lending , Inc. I have been trying to get this issue resolved since XX/XX/2021 and have been given the answer of there is nothing that can be done. This is in regards to our refinance of our mortgage loan with Millenial Home Lending , Inc that has since been since transferred to XXXX XXXX DBA XXXX XXXX  XXXX  on XX/XX/2021. Previously we had our mortgage loan with XXXX XXXX XXXX XXXX  and on XX/XX/2021 we closed with Millenial Home Lending and the payout was issued on XX/XX/2021 from Millenial Home Lending to XXXX. As part of the terms of our refinance, we were to go 2 months of payment deferment. At the time of closing it was indicated in our paperwork that it would in fact be XXXX and XXXX. We had specifically discussed that we had already paid our XXXX mortgage ( keep in mind this was now XX/XX/XXXX and well beyond the mortgage due date of XX/XX/XXXX ), and it was stated we would be getting that refunded to us in the form of a check. XX/XX/XXXX we received our escrow refund, but no mortgage refund. At that time I began speaking directly to XXXX XXXX XXXX XXXX several times and they states that they do not issue refund checks but instead consider that a payment towards the payout, which was not what we agreed to with Millenial Home Lending. With that being said, the terms we agreed to of going two months of deferment is not being met and it seems Millenial Home Lending spoke on behalf of XXXX XXXX XXXX XXXX on how that payment would be handled. We paid XXXX mortgage and that was credited toward what Millenial Home Lending paid for our mortgage. In my opinion, we did not get the benefit, but Millenial Home Lending got the benefit of lowering the payout by $ XXXX- this is not at all what we agreed to and I believe to be dishonest. I was advised to reach out to our original loan officer who I contacted on XX/XX/XXXX, who passed this issue onto her manager that same day. I did not get any communication from the manager, and on XX/XX/XXXX a voicemail was left on my husband 's phone ( which he never checks which is why I requested to be contacted ). When he finally heard the message on XX/XX/XXXX he passed the contact information onto me and I called and texted ( as requested by him ) starting on XX/XX/XXXX, again on XX/XX/XXXX and then finally on XX/XX/XXXX I received a response stating that there is no further action they are taking on a Funded Loan. There is zero culpability on their part and they refuse to assist in correcting their mistake and honoring the terns of our refinance agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROBLEM CASE 1 XXXX The account was opened XX/XX/XXXX for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement. I tried to resolve it for over 1 year. The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( SEE ATTACHED ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. The creditor sent a letter to confirm that I made full payment to the creditor to CFPB dated XX/XX/XXXX. See below detail Re : Your XXXX  Charge Account ending in XXXX XXXX XXXX Case : XXXX CFPB Case No. : XXXX The creditor agencies reported in my payment status as paid, charge off not paid in full as per attached letter from XXXX. Please can you step in to help me resolve this problem which over 3 years now. <P/>PROBLEM CASE 2 ( Length of credit history ) My credit report from XXXX XXXX XXXX XXXX open XX/XX/XXXX as per attachment is missing some of my credit transactions including my Mortgage for my first home in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. As a result, my credit report that has result in the credit length reduce over 19 years from 29 years+ to 10 years. The credit reporting agency need to fix the length of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. 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: Credit card

I paid off my Macy 's credit account with a money order for {$350.00} at the XXXX in XXXX CA in XXXX. The payment was processed and the employee kept money order and placed in drawer. My Macy 's statement comes XXXX XXXX, 2016 and upon close review, the payment I made with certified funds was reversed and interest charges attached to my account in the amount of {$10.00}. At no time has Macy 's ever notified me of an issue with the money order, no letter in the mail, no copy of the money order used. When I called, they tried to put the duty on me to prove the payment went through. I informed her that without a copy of the money order, I 'm not able to go to the bank and do anything and that they had an obligation to let me know of the issue 3 months ago when the payment was made not 3 months later by reversing the payment and charging me interest. It seems to me that Macy 's is in the habit of waiting an excessive amount of time and are not notifying consumers when issues arise with the payment. In this case, I explicitly asked the Macy 's customer service representative if they take money orders and stated yes and processed the payment and handed me a receipt. Based on this experience, who knows how may other consumers they have pulled this slight of hand and are charging back interest on purchases people believed to have been paid in full.