23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I used my Capital One credit card to purchase services from a merchant for {$1000.00}. 
I was then told by him that the account was not able to accept payments and he issued me a refund for {$1000.00}. 
I then paid him the entire amount by check. 
I contacted Capital One on XX/XX/XXXX and questioned if they could stop the payment for the {$1000.00} and I was told to wait until it was posted and then file a dispute. I sent copies of the invoice, the pending refund and the check. 
On XX/XX/XXXX, the amount was posted to my account and I contacted Capital one and started a dispute. 
On XXXX I received a letter from Capital One stating the dispute was closed because the " merchant confirmed that no other payment was received for the purchase ''. I then contacted Capital one by phone and questioned what information they needed. I was told they could not accept the check and I needed to send the front/back of the cancelled check. I then sent this to them on XX/XX/XXXX. 
I contacted them by phone that day and I was told that my account would be reviewed. 
XXXX XX/XX/XXXX I received a letter stating my dispute was denied because my information " lacks all the requested information to validate my claim. I then questioned what information they needed and I was told to get a " valid credit receipt ''. 
On XX/XX/XXXX I contacted the merchant and we had a 3 way call with XXXXXXXX XXXX. I was told that they could not do a refund because of the dispute and they could not issue a refund until XX/XX/XXXX. They also stated that the initial refund was rejected by Capital One on XX/XX/XXXX and he sent a document to validate this. I have sent this additional information to Capital One on XX/XX/XXXX. 
I would be happy to send any other information that I have.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX  XXXX. for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

This is my another refilling of complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Mortgage

On XX/XX/2022 NewRez LLC ( https : //www.newrez.com/ ) double drafted my checking account for XXXX charges of {$1200.00}. This is entirely incorrect as I submitted my monthly payment for my mortgage amount of {$1200.00} on XX/XX/2022, they in error double drafted my account for twice the amount they should have. This has already caused immediate overdraft fees, and other bank fees that are being added daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified through XXXX XXXX  that there were some inquiries that reported to my account that was not authorized by me. These inquires have brought my score down almost 10 points. I believe someone has stolen my SSN and is trying to apply for things in my name.
Product: Debt collection

portfolio recovry is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and XXXX that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask XXXX XXXX but XXXX XXXX is not the ones reporting it they are. what they are doing is illegal and I want this removed.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I was suppose to have taken out a loan from Allied Cash Advance. In XXXX they sent loan back in order to make me pay. I started receiving calls basically harassing me and now harassing my son who don't have anything to do with loan. It's one thing to harassing me but now they are starting to call my son. He has nothing to do with my loan so therefore they shouldn't call him. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian disputing 1 account through the CFPB that was sent on XXXX. I received a company response that stated in progress by Experian on XXXX for complaint XXXX. It is now XXXX and I have not received a response from Experian. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian have 30 days to investigate disputes. If Experian can not verify the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. I have attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has 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.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX  Balance {$850.00} XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX  Balance {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$56.00}
Product: Mortgage

This is a follow up on complaint # XXXX. Loan care sent me a letter mentioning that they reached out a insurance company called XXXX which has not have my policy FOR OVER 3 YEARS and ignored my multiple documentation sent from SECURITY FIRST which is my ACTUAL insurance policy for the house AND that includes FLOOD INSURANCE. I also reached out to XXXX XXXX and they faxed the required documentation on XX/XX/XXXX AND XX/XX/XXXX and the issue still without a solution and Loancare still charging me a {$3000.00} flood insurance. 

Lastly, on their letter they sent me a customer care number with an extension number that doesn't exist ( extension XXXX ) and the number goes directly to a voice mail. 

These are deceptive and illegal practices where this organization ignores the proof of insurance and charges home owners ridiculous amounts for a policy that was never needed. 

Because this deceptive and illegal practice, my monthly payment moved from {$2300.00} per month to {$3100.00} this upcoming XXXX which will be impossible for me to pay. 

Please investigate and DO SOMETHING! 

Kind Regards XXXX XXXX Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Kovo, which is marketed to be a credit building service. Its actually a {$240.00} library of resource materials that the customer pays for in installments. The payment history is reported to the credit bureau. 

I do not want to purchase resource materials that I can get for free. This companys advertising is misleading and confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section A 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

I have a credit monitoring, last month Equifax, XXXX and XXXX were reporting, in XXXX, XXXX and XXXX are reporting but Equifax has no data, I have well over 30 years of credit, So I bought my credit report and score to compare what the credit reporting agency, and the bureaus have I bought XXXX and XXXX credit report and score but on XX/XX/XXXX I tried to purchase XXXX credit report and score and told to contact customer care, I did and they tried to get my credit report and score, so now I have been charged XXXX and told there is a problem with my report send my ss card and drivers license I did and got back an e-mail stating everything is fine, so I tried to purchase again on XX/XX/XXXX I was billed XXXX XXXX again, and no report, they said I needed to answer some questions I did, and the said it is fixed, so on XX/XX/XXXX I purchased again XXXX on the computer and XXXX from a customer service rep still I can not get my report, I paid them XXXX XXXX times
Product: Credit card or prepaid card

On XX/XX/XXXX Comenity Capital Bank closed my credit card account that I have through XXXX XXXX XXXX XXXX . I called them Today XX/XX/XXXX after getting notification via my XXXX credit report that the account was closed and spoke with them about re-opening the account and was told it was possible by one representative due to it not being closed more than XXXX days. Our call was disconnected and I called back and the next representative that I spoke with told me that it was not possible to re-open and that My account was closed by the bank due to inactivity, however my credit report states it was closed at my request. XXXX stated that they sent me a letter which I did not receive due to me being out of town and helping my mom who has XXXX so I was unware that this was going to take place. XXXX was the last time the card was used and it was due to XXXX reason for me not using the card due to spread of the virus through contact of items etc I was afraid to even order anything or shop in store.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has 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 a account without my written instructions
Product: Credit card

I paid my Care credit account in full for the amount of {$8200.00}. I also accidentally sent another payment after for {$3800.00}, leaving me with an overpayment of {$3800.00}. I called to get a refund and they gave me XXXX confirmation numbers stating they would refund me the overpayment. However, after looking at my account I noticed they are saying I still owe money and are charging me interest. They claim to have refunded me the payment in full. I called multiple times to get it fixed and they keep saying it is fixed and they will send me a refund of {$3800.00}. But my account is still accruing interest and it still shows a balance even though my payments have cleared the bank. I am currently out {$3800.00} and have a paid off account that is accruing interest.
Product: Debt collection

I have received multiple calls from this company called " XXXX XXXX '' threatening me with lawsuits. XXXX of their reps a lady said she was outside my door to serve me and wanted to verify my address. I told her I do n't know who she is and to go away. She started yelling that I was going to get sued. 

I got another call spoke to a guy XXXX XXXX at XXXX who called me a dirtbag because I asked to stop receiving phone calls and threats and if they wanted to communicate with me to write me. He refused to give me the real name of the company which I found out is HSC litigation but I do n't know how true that is. They refused to provide me with an address so I can write and ask them to stop the harassment. 

They continue to call excessively with multiple calls within an hour from different numbers XXXX, XXXX, XXXX. Pretending to be my clients. Threatening me that I will be served between XXXX and XXXX and yet no one has served me. They are rude and vicious. I can see how they can send anyone into a panic phase with all these threats. 

They refused to give me a court case number when I asked for XXXX. They go from saying I have been served to I am going to be served to there is a court case against you. They have refused to provide me with an address so that I can write to ask them to stop harassing me and my family.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible XXXX XXXX XXXX Balance {$11000.00} XXXX XX/XX/XXXXXXXX XXXXT 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

On the XXXX of XX/XX/2021. I sent a certified mail dispute letter to WELLS FARGO, disputing the inaccuracies on the account, specifically the account number, which is in direct violation of FCRA 609. The certified letter was signed for on the on the XXXX day of XX/XX/2021. I waited 30 days hoping the company will correct the error. I sent a second round of certified dispute letter via mail on the XXXX of XX/XX/2021. Also, nothing happened, and on the XXXX day of XXXX, I wrote my 3rd and final dispute letter, which also fell on deaf ears. I then approached the legal route, to help mediate in the matter. WELLS FARGO did not show up at the hearing, nor sent a representative. A default judgement was awarded on the XXXX of XX/XX/2021, which was not appealed by the defendant ( WELLS FARGO ). I retrieved a certified true copy of the judgement, and I have come to lodge a complaint, so your department can help me enforce the judgement.
Product: Checking or savings account

To Whom It May Concern : On XX/XX/XXXX between XXXX and XXXX XXXX ( XXXX XXXX EST ) my Bank of America debit card under the name, XXXX XXXX XXXX associated with the shared account ending in XXXX was stolen from my bag along with my XXXX  XXXX credit card and silver XXXX XXXX. 

My belongings were taken from my bag in the mens locker room of the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Upon discovering that both my access to cash and cell phone were gone, I returned home to report the cards and phone stolen on the respective banking and mobile carrier online portals. 

As evidenced by the below email, Bank of America acknowledged my choice to lock the card and to issue a new card associated with the account. Please note the language, Your old card will be deactivated immediately. Upon reading this and having a similar experience with my XXXX XXXX card, I had no reason to doubt this. However as we are all too familiar, this was not the case. The thief was able to withdraw nearly every penny from the account from shop locations in XXXX XXXX ( over 10 hours drive from XXXX ). 

My family and I had departed from the United States to XXXX on the XXXX of XX/XX/XXXX. I alerted Bank of America to our travel plans via the mobile application. The last transactions related either to myself or to XXXX XXXX ( primary account holder ) were fees associated with a withdrawal on the XXXX of XXXX in XXXX. The final account balance stood at {$4100.00} as of XX/XX/XXXX. The thief made all subsequent transactions in the metropolitan area of XXXX, XXXX. 

In regards to the frankly offensive and unfounded accusations that either an accomplice or I were using a PIN to make transactions ; there is a complete lack of understanding of XXXX consumer finance practices. Sign-less, PIN-less transactions under {$100.00} XXXX can be made at most retailers and larger trusted retailers ( i.e. XXXX, XXXX  ) are exceptions where the limit is up to {$200.00} XXXX. 

I received a new XXXX XXXX card and XXXX with no issue the following week. This is in stark contrast to the appalling level of ineptitude by Bank of America to protect the funds of a joint account for two customers since XXXX. We require a refund of our lost debit account funds ( {$4100.00} ). 

I faxed the above statement to Bank of America ( fax attached to this complaint ) on the XXXX of XXXX and have not received an acknowledgement or a response. The year is XXXX and I am faxing material to one of the largest banks in the country. Surely, I am living in a XXXX novel because this does not seem to be the most efficient manner to deal with the issue at hand. 

We look forward to your help in coming to a quick resolution for this matter. 

Best regards, XXXX and XXXX XXXX
Product: Credit card or prepaid card

Hi there is fraudulent credit card open in my name and I didnt apply for it and this is the fifth time that this credit card keeps reopen and showing up on my credit report under my name and Well Fargo send me letters and said it will take care of the fraudulent charges and that it will be removed off my credit report but new account numbers keep regenerate like 6 times and they keep sending new cards out under my name and fraudulent charges are keep going through on this card and the account was supposed to be closed and this morning on XX/XX/2020 the account was reported to XXXX  and well Fargo fraud department isnt doing anything to fix the problem knowing that previous card numbers were reported as a fraudulent application
Product: Credit card or prepaid card

E-mail phishing scam on XXXX from supposedly XXXX XXXX XXXX for XXXX XXXX XXXX membership of {$340.00}. 
Contacted Best Buy and they indicated that it is a phishing scam. Recommended to report incident. I am watching credit card for any bogus charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance has been reporting late payments to the credit bureau even though I've paid those months on time. I've reached out several times and they refuse to help me. I had an incident last XXXX when I updated my debit card information on their website and it failed to come out. I have my bank statements showing that I had the funds available. I've been paying XXXX a month since then and not once did they mark me late. Fast forward XX/XX/2020they started marking me late for a past due balance. They not once called me and said I was behind. This company is fraudulently marking my account as past due. Please make them correct this. I have all the documents to prove it too.