23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The investigation was unfairly investigated and laws was not acknowledged. 
Cmk has not provided any type of debt validation letter regarding this account. This creditor has not sent information or notified me with a letter of debt validation before reporting this information. 
By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. This creditor has not contacted me regarding this account. 
I never confirmed this account was mines. As a consumer I have rights to know whats being furnish on my credit report. I have not received no notice regarding this account. 
A consumer should be contacted first before any information is reported. selling or purchasing information without permission is illegal. I Never gave this company permission to access my credit profile or written instructions to furnish any information on my account. This company has not respected my consumer rights. I want this creditor removed from my credit report immediately. This information has been damaging to my reputation. They have failed to provide information regarding this account. They have not contacted me by mail or by phone. I have not been given a chance to confirm this account with a validation letter with information regarding this account before its reported. This should not be reported until consumer has knowledge of this account. Creditor is stating its been verified but without me involved nor without debt validation with basic information on the account an what's needed. This has been unfairly reported an investigated. Debt collectors are legally obligated to send you a debt validation an confirm ownership. Which is suppose to include my right to dispute. 

validation Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt valid. 
Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication
Product: Checking or savings account

On XX/XX/2023 i call CAPITAL ONE customer service to report 6 transactions unauthorized on my account. Because I lost my hand bag on XX/XX/2023 including my phone and my debit card of CAPITAL ONE. 
I lost {$720.00} in my debit card. 
After that day, I can't login to access my account anymore, CAPITAL ONE still keep the same phone number to login ... .so at that way theft can access to my account easy than steal money from my account again and again..until. XX/XX/2023, I try so hard to talk to customer service to report I CAN NOT ACCESS TO MY ACCOUNT.. THEFT have alot of time access to my account steal my money. 
I lost {$720.00} in my checking account, even though i provides all documents proof this is FRAUD TRANSACTIONS because fraud happened at XXXX XXXX ( I never have relationships with that bank ) I provides identity theft reports to FEDERAL TRADE COMMISSION including POLICE REPORT. 
In the law, I under protection i not be responsible for charges i did not authorized. CFPB please help me to resolve this issue with CAPITAL ONE. BECAUSE, I CAN'T RESPONSIBLE for charges I didn't make!
Product: Prepaid card

I have received several gift cards at work from American Express that I am unable to use to purchase things online. I rarely shop in person, and it is pointless not to be able to use the card online when it says it can be used anywhere.
Product: Mortgage

I have had a mortgage with Bank of America since XXXX. In XX/XX/XXXX, I refinanced with another bank and paid off the BoA mortgage. The escrow company sent BoA {$210000.00} on XXXX XX/XX/XXXX. As of XXXX XXXX, BoA ( 1 ) has not credited the money against my mortgage to them ; and ( 2 ) has obstructed my ability to speak with them about the missing money. They only provide one contact mechanism about this matter : their XXXX phone number. I tried to call them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In all cases, I was held on hold for more than 90 minutes each time, and each time after that wait, the agent said " I can't help you '' and hung up on me. My credit report now shows TWO mortgages outstanding and is lowering my credit score because while my mortgage obligations have doubled, my income is down during the COVID crisis. BoA is holding XXXX of my money, plus escrow amounts ( around an additional {$10000.00} ),  and refusing to discuss it, leading to harm to me. 

They should be held accountable. I can get a BoA employee on the phone to discuss a new mortgage or a refinance in less than five minutes, but discussing an existing mortgage means HOURS on hold and then 'Sorry we can't help you, ' and hanging up on me. The physical branches of BoA have " Home loan specialists '' on staff, but they state they can not address this matter and it can only be resolved through the XXXX  number, which BoA is effectively not answering ( while holding on several XXXX XXXX dollars of my money ). This is unacceptable -- right now, it is theft by an CFPB-regulated firm.
Product: Debt collection

Call logs 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
I did contact CapitalOne Auto finance department to make payment arrangements on the auto loan to get any past due balances caught up. They stopped for two weeks and emails continued. Payment arrangements are being upheld to make sure auto loan is being paid up to current. These calls need to stop. 

Also emails have been sent consistently every day about my auto loan past due.
Contacted them on
Product: Checking or savings account

I have a spend account with credit karma, and on XX/XX/XXXX there was an unauthorized transaction so credit karma closed my debit card and I have no access to my account. On XX/XX/XXXX I learned that my account was hacked, and someone linked their bank account to my spend account, and they have made over 30 attempts to transfer my money into their account. Credit karma refuses to close my account, and they have repeatedly said they would transfer me to the specialized department and then nothing happens. I have tried to change passwords and email addresses, but the representative at credit Karma told me the hacker has access to my account number and routing number, but they won't freeze my account.
Product: Credit reporting or other personal consumer reports

I got a notice ( not the first time ) from XXXX that Experian has lowered my credit rating again. I called customer support twice and went on the Experian website multiple times to ask why but they wont say why. I am not late with any payments. In fact, I have no debt. Experian flat out wont answer why they have repeatedly lowered my credit rating. I have gone from over XXXX to low XXXX but no one will explain why. Are they discriminating because I am retired, turned XXXX, and have no debt? They wont tell me.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX  XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion would not respond to disoute although the {$180.00} was paid off and  XXXX  did respond and has account closed with  XXXX  balance
Product: Credit reporting or other personal consumer reports

SEE ATTACHED.You guys emailed me a bunch of nothing. You showed my loans, the amount, and if they are open or closed. XXXX to do with my TRANSACTIONS and you Experian you useless government agent aren't even noticing they aren't FOLLOWING the law. # XXXX as stated in my certified mail and other complaints XXXX XXXX  wasn't even suppose to be open due to an error on XXXX hints why XXXX  sent me a refund check for what I did pay. # XXXX I set up a deferment until it was fixed with XXXX and before that paid within 30 days AS SEEN ON THE APP and just XXXX  months into a XXXX month term loan it was balance out at XXXX $ as it should had been with XXXX 30 days late as I showed via my bank statements amd the DEFERMENT plan with XXXX. But nobody is XXXX  putting all that info to use. A 2 mintue glance at my loan could solve this mystery '' it is clearly a system error so be a human and fix the BOT!! AND STOP RUNING MY CREDIT. You showed me XXXX # XXXX TRANSACTION history is all I beena sking for for months card, time, amount, date and highlight the missing or 30 days late payment and you can't because it's false!! Even over the phone you said it but I can't get emailed by reps amd when I chatted in via the app they said " someone will get back to you '' stop outsourcing and get people that can help and understand. You are stopping me from getting a home and all.
Product: Credit card

So I took a XXXX from apple in XX/XX/XXXX and my monthly installment is {$91.00} and i have XXXX of XXXX and balance is XXXX. Also, i make sure i pay off my full credit card every month and the balance is XXXX. I never ever carry over my debt to the following month. Now on XX/XX/XXXX i paid off my whole statement which is {$790.00} that is including the {$91.00}. Now the next day which is XX/XX/XXXX, my Apple card is saying i made a minimum payment and i need to balance {$600.00}. I haven't made a single purchase in XXXX with my card. my balance should be XXXX. 

I have called Apple, chatted with them and they keep insisting that even though i made a payment of {$790.00} i still need to balance {$600.00} that my balance from the previous month was {$1300.00} Now, this figure is wrong. I pay off everything i spend every month to avoid interest charges, i pay off my monthly loan for the XXXX. I don't know where that figure is coming from. Moreover, on further evaluation, i realized that i only spent {$400.00} in XX/XX/XXXX ( based on calculation of all my transactions ) and i paid $ XXXX the end of the month. 

The statements that was sent to my email ( a single statement ) is different from what i receive from Apple every month. I am insisting that i pay off my full card monthly, i don't carry over the balance and i don't know why it's not reflecting and i am been overcharged also because i didn't spend upto {$790.00} in XX/XX/XXXX. 

I am requesting someone from apple to audit my account and recalculate it because this is fraud and the customer service people are not helping at all. I need someone to calculate my transactions because its not adding up at all. Infact the supervisor that spoke with me on the phone knew i pay it off everymonth and its still showing a balance.

The attached statement does not reflect an accurate description of my account. 


Please help me look into this. 


Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I have sent off 6 rounds of letters with no success for the below reference accounts that are inaccurately reporting on my report. 
XXXX XXXXXX/XX/XXXX XXXX XXXX with account # XXXX XXXX XX/XX/XXXX with account # XXXX ( Should be XXXX late payments )XX/XX/XXXX XX/XX/XXXXwith account # XXXX XX/XX/XXXXXXXX XXXX with account # XXXX XX/XX/XXXX XX/XX/XXXX with account # XXXX XXXX XX/XX/XXXX with account # XXXX XX/XX/XXXXXXXX XXXX with account XXXX XXXX XXXX XXXX Open Account with account # XXXX XXXX XX/XX/XXXX with account # XXXX XXXX XX/XX/XXXX with account # XXXX XX/XX/XXXX XX/XX/XXXX with account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I contracted XXXX XXXX XXXX XXXXXXXX to remodel my shower. Registered agent named XXXX XXXX. They never came to do the remodel. I tried multiple attempts to resolve the issue with them directly to no avail. They ignored my lawyer and my attempt to serve court papers was returned nonest. I reached out to the loan company that XXXX XXXX partnered with, which is Momnt. They told me they would investigate the issue. I submitted my first ticket with them about this issue on XX/XX/XXXX. They made me believe I could trust them and that they would handle it. I have called multiple times about an update and each time they tell me it is under investigation. Now suddenly the loan is appearing on my credit report, suspiciously around the time my 0 % APR is ending. I called on XX/XX/XXXX, and they said it should still be suspended and they have not fixed it. I sent a follow up email on XX/XX/XXXX, and they told me to dispute with the credit bureaus. I never received a result of the investigation. This leads me to believe they had no intention of investigating this matter. There are several cases just like mine all over their XXXX XXXX XXXX  page and I believe the loan company knew that XXXX XXXX  was not delivering services and continued to approve loans. I do not have the money to pay for something I never received. 
I have reviewed Momnt 's website that relates to merchant agreements and XXXX XXXX XXXX XXXXXXXX and XXXX XXXX have violated these terms. It seems that Momnt has a reserve account for matters like this. They also have a clause about the merchant violating the Federal Trade Commissions Holder Rule ( 16.CF.R. Part 433 ) ), which XXXX XXXX has violated. The FTC 's stance aims to protect consumers from situations where they are left liable for payments despite not receiving the promised goods or services as intended. This rule is often related to this concept, where a third-party lender might try to claim they are not responsible for issues between the seller and the buyer, even if the consumer has legitimate complaints about the product. The FTC considers practices like this to be " unfair and deceptive '' under Section 5 of the Federal Trade Commission Act, allowing them to take action against companies engaging in such behavior.
Product: Mortgage

My insurance ( XXXX ) and taxes ( XXXX ) went up as they always do every year. I added the combined amount they increased into my escrow account so that I didn't get an increase in my monthly payment because I am on XXXX. I had also paid XXXX 's payment in early XXXX to stay ahead in case of any financial issues. I often pay ahead. My mortgage servicer recently did the annual escrow analysis and sent back money. Then they increased my monthly payment by just over {$20.00} a month. I called them and they said that's the law and there was nothing they could do. However, in a review of XXXX Escrow accounts, it states under section 2, paragraph 3 that after an initial or annual review the servicer and borrower may enter into a voluntary agreement for the forthcoming escrow accounting year for the borrower to deposit funds into the escrow account for that year greater than the limits. Not only was that option not offered or even acknowledged, they said there was NOTHING they could do and that it was up to me to take a bigger deductible on my insurance or alter things in some way on my own. Additionally, while it didn't happen this time, my mortgage servicer has said more than once in the past that they have no control over when they do an escrow analysis. That it is the county I live in that determines that. That has never made sense to me. Just like saying there is nothing they do about an overage except send the money back, who they state determines when the analysis is done also isn't true. It is the state I live in that determines when that happens. The servicer has also done a short year escrow analysis in past and when I asked why they did that because they had just done an analysis 6 months previous, they said it was my county that ordered it. Furthermore, I have made monthly payments early and it seems that would affect the interest in some way but, I am never given any information about that. It appears that I am not getting accurate information, nor am I getting information on options available to me and I am not getting information on how making early payments affects my interest.
Product: Vehicle loan or lease

I lost my job due to covid, one week after the purchase of a new vehicle. I was diagnosed with XXXX XXXX, and as a result my employer will not allow me to return to work until I receive a vaccination. I called Chrysler Capital on or about XX/XX/XXXX to request payment relief under the cares act due to my inability to make my payments while out of work. On this call, the representative asked me numerous questions relating to my health, condition, and specifics on my ability to work. She made reference to the fact that I could get another job, and actually asked if I was trying to find work. At the end of the discussion she said that I didn't qualify for any assistance because I had not made a payment towards the account yet. She also said that the account was 'too new '. I raised the concern of why I was being asked a litany of health related questions if I was being denied by default on unrelated issue- the account being too new and I had not made a payment yet. Two factors that preclude me from qualifying, which the creditor knew before I even called them, yet the woman asked numerous personal questions. 

So I borrow {$1700.00} from family members so I can make the XXXX payment. 

On XX/XX/2021 I called Chrysler Capital again, to request a payment deferment. AGAIN, a litany of personal and health related questions. I was denied, again, because the account was too new and this time also, because the account is not past due. It's not past due because the last representative said I had to make a payment in order to qualify for a loan deferment, so I borrowed the money!! These, again, were factors that the creditor knew before asking personal questions about my condition, my financial status, and my ability to make a future payment. They suggested a surrender of the vehicle if I am not able to make a payment until XX/XX/XXXX. I told them that was unacceptable and they said that I knew the risks of buying a vehicle in XX/XX/XXXX during a pandemic that I may lose my job and not be able to make payments. They said I did not qualify for any loan deferment options, but that they could give me a few extra weeks to make my XXXX payment, with added interest and fees to do so. 

This creditor harassed me on the phone, two different times, asking me questions about my health, ability to work, and criticizing my judgement of purchasing a vehicle form them during a pandemic, and then losing my job ( totally outside my control ). 


XXXX
Product: Debt collection

A judgement was made and awarded to Unifund CCR LLC, {$2200.00} plus {$750.00} in lawyer fees, & XXXX  % per annum from XX/XX/2017 until paid. This happen without any proper notification of the lawsuit, as any documents were sent to a previous address. The only way I was notified of the situation is when Justice Court Precinct 2, mailed a summons to my current address.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Hello CFPB! I just want to start by saying thank you for your time and consideration. The reason for this complaint is because my bank Wells Fargo, has denied a claim for a spending spree on my Wells Fargo card. Now it is just downright wrong to call and lie about a fraud and in my case I did not do that. I did not spend the money took out of my account. The reference number for the fraud claim I was given is XXXX. I was charged to my card for food, alcohol, and apparently some tickets to somewhere. The days these transactions were made I was at my sisters bday party and have proof of so. I also had a XXXX $ charge for XXXX and when I called them they had no records of the charge and told me to call the bank to put in a claim asap. Unfortunately for me, it got denied. I called and asked why it was denied and they said they couldnt give me a reason that it just was. I was only suggested to close my account. I got no help at all and hope that moving forward I can get help. The transactions I disputed were seriously not me and its honestly spiteful that a large bank like Wells Fargo is declining a small claim of XXXX $ when its nothing to them, but a large amount for me to have taken out my account without my regard.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks
Product: Credit reporting or other personal consumer reports

I was an authorized user, but not owner or cosigner, on three accounts. The accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX-The XXXX XXXX XXXX I had no ownership or responsibility for the accounts payment or closure. 

I called the companies to request removal, but was told that since they were closed I should file a dispute with the credit report agencies. I did this and XXXX and XXXX removed the accounts with no issue. Equifax removed one ( XXXX XXXX ) account but simply left the other two. They still list me as an authorized user on these two closed accounts.