23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted Capital about a secured credit card that I had open and I wanted to close. I called in asking about how the process works with the security deposit. I was advised if there was a balance on the credit card the deposit would be applied to the account within 5 days of closure. I closed the account and waited for the deposit to be posted to the account. I waited 2 weeks and I finally called Capital One. The rep I spoke to indicated it should have happened within 5 days of closure and he was unsure why. He transferred me to a supervisor and the supervisor was unsure as well. He asked that I call back in a week. 5 days later I get a notification that my credit was decreased by 34 points because the account was closed and had a negative balance. I called Capital One again and was told it would take up to two billing cycles. I asked to speak to a supervisor because that wasn't the information I was provided previously. I spoke to a Supervisor named XXXX and he advised that he was unsure why the credit had not posted within the 5 days. After 1 hour on the phone he advises me that it could take up to 70 days to credit the account and that it was not their error even though he acknowledged I was provided incorrect informationon to include his initial response. I advised him this is unacceptable as this is effecting my credit and I only closed the account at the direction of Capital One with expectation of having this credit within 5 days. No one at this company is willing to assist in the error they clearly caused nor provide any assistance of remedy to the error.
Product: Debt collection

I need to file a complaint On behave of XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regarding to your response to the CFBP on XX/XX/XXXX You CRM has ceased a collection activity regarding this matter and A fraud packet will be mailed to me to be completed and returned. However I beg the differ on your behave! On Friday I received a letter from Credence dated XX/XX/XXXX stating that they had verified this debt. see attached file. all I got from this company is a list of TV Channel 's and some prices typed on plain Paper So it's clearly a lack of Communication at your office. What Info this company sent to me is not the Proper way of validating a debt Per the FDCPA. Your office have had 30 days to send me a proper debt Validation and you have failed to do so. Therefore I will Not Talked to your company any Further! If you have put anything On my credit reports about this Matter I demand it be removed ASAP. Due to the None Validation of this account! I will take legal matters to its Fullest! 
THANK YOU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.
Product: Credit reporting or other personal consumer reports

Actions Taken : Requested XXXX to remove of the following inaccurate name ID because I have only one legal government name which is : XXXX XXXX XXXX XXXX Remove the following from my credit report, I don't have XXXX names I have only 1 legal government name 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced a home mortgage with AmeriSave Mortgage Corporatio n ( lo an number  XXXX  ). {$2100.00} was charged as part of the closing cost to establish an escrow account. One payment was made which included an additional {$440.00} for the escrow. The mortgage was sold to  XXXX   XXXX   ( Loan n umber  XXXX  ) and the escrow balance that was transferred was {$890.00}. I have no record of where the missing {$1600.00} went and my efforts to track it down have resulted in being placed on permanent " hold. ''
Product: Debt collection

First, I financed through XXXX XXXX XXXX at a XXXX doctor and signed documents which stated the monthly payment of {$150.00} with 12 months of no interest financing. The statements say 6 months no interest financing and a payment of $ XXXX   monthly. I attempted to resolve this, I was told while it was being investigated they would not collect payment or charge late fees, but they have both. I even emailed the original paperwork with no results yet. 
Next, XXXX XXXX begins harassing me requesting the full amount of the card balance be paid and would not accept a monthly payment. 
XXXX XXXX continues to call and harass me, my wife and now my father, who they have also given specific information regarding the debt to. They told my father the amount of months past due, the total amount due and that the debt was for a XXXX   procedure. This is not only a violation of the FDCPA, but also a HIPPA violation.
Product: Credit card or prepaid card

I am a victim of the coronavirus pandemic as many people are right now. Capital One Walmart Card assured me after making a {$25.00} payment after discussing a one month forbearance due to being a furloughed worker that my credit would not be effected. They even reversed late fees, but neglected to tell me that I still had {$3.00} remaining to bring my account current. So the total payment due was {$28.00}, I paid {$25.00}, and they're reporting {$3.00} past due because I was assured I would be fine. They're also reporting 30 days past due, when I was not 30 days past due. With the current global economic situation, I find it unethical to even report payment history to the credit bureaus. Fair business practice is not a thing anymore apparently. Fair credit reporting is a thing of the past. Now I'm dinged 20 points because I was misinformed, and their lack of empathy is appalling. I will be cancelling this card.
Product: Checking or savings account

XX/XX/2022 I was scammed by a loan company that got into my chase account and put in claims for XXXX. Chase stated they did investigation. They did a reversal on funds then XXXX XXXX they took money back and closed my accounts. I spoke to XXXX and XXXXXXXX XXXX XXXX XXXX and they both stated that chase and recover the money. Fast forward XX/XX/XXXX I get a bill for {$1100.00}. I know I got scammed however Chase didnt due their job
Product: Bank account or service

Around XX/XX/XXXX or XX/XX/XXXX, I banked with Wells Fargo in XXXX, Az. I had checking, savings, and credit card accounts. I was a college student and my tuition status changed from out-of-state to in-state and so the amount of my financial aid checks significantly increased. At this time, I thought it would be a good idea to try to build credit history by putting a number of charges on my credit card and then paying it down when I received my next financial aid check. 
However, XXXX semester, after I had made a large payment from my checking or savings account to my credit card account, I noticed there was still a lot of money in my checking or savings account. I went to the Wells Fargo at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and asked a bank representative where this money came from. I was told that since I had made a credit card payment that far exceeded the minimum payment, some of my payment was put back into my checking or savings account. I did not complain or ask that it be reapplied to my credit card account. 
At the time, I was not aware that cash advances carried a larger APR than purchases. It was some time afterwards that I realized this and recalled this incident. In XX/XX/XXXX or XX/XX/XXXX, I began requesting from Wells Fargo credit card and bank statements from that time period around XX/XX/XXXX to XX/XX/XXXX. I do not recall exactly when the incident had taken place and, after examining the statements, I still could not narrow down when this cash advance had taken place. At this point, I had been paying interest on hundreds of dollars of cash advances. 
It was around this time that I noticed that my credit card statement no longer showed a balance for cash advances. To this day, I have a XXXX balance for cash advances. 
I have been hesitant to bring up the whole issue with Wells Fargo for fear that the cash advance balance will return to my credit card. I do not know how much interest I paid over the years for the cash advance balance so I do not have a dollar amount that I am looking for in compensation. 
Also, Wells Fargo has asked a number of times if I would like to close the credit card account and open up a line of credit at a lower APR. I have been hesitant to do this as well, as I am unsure if that will erase any records of all this. 
Like I stated above, there is not a dollar amount that I am looking to be compensated. My intention in writing this is to inform a regulatory or consumer protection agency of this incident, in case it has happened in the past or is still occurring, and to find out if, by closing my credit card account and opening up a line of credit, it will somehow erase a record of these issues.
Product: Mortgage

To whom it may concern, We entered into a 12 month forbearance and when agreed to a loan modification after the forbearance period ended. The forbearance ended XX/XX/XXXX and we were told that our first payment will not be be due until XXXX  XXXX. When this was all agreed upon with our contact person at Shellpoint mortgage servicing, we received notification that Shellpoint mortgage servicing reported our account as 30 days late. The company did not tell us that a late payment will be reported if payment was not made in XXXX. I even asked our representative at the company and she told me that the loan modification begins on XX/XX/XXXX and no payment is due in XXXX. I have tried talking to them about this and they said that the forbearance ended XX/XX/XXXX so a late payment was reported because we didn't make a payment in XXXX even though I told our representative that she told me that no payment was due in XXXX. The explanations did not make any sense whatsoever. they said they send a letter in the mail, but I did receive any letter that confirms a late payment will be reported if payment was not made in XXXX especially since we had already worked on a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. ONEMAIN FINANCIAL continued my application when I didn't process it from my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX, not XXXX XXXX XXXX has not deleted this misleading, erroneous and inaccurate account in over 180 days when the law states 30 days. They have not furnished an Original contract bearing my signature and also all dates and balances are inaccurate as this account and details are not mine, the address to this account also does not belong to me nor does it reflect on any of my credit reports from any bureaus. Please delete this erroneous account immediately. All major credit bureaus should claim to have verified this information but are doing so in a lackadaisical manner ; they have not taken every step to make sure each and every detail of this account is accurate because any inaccuracies merit deletion which is my right.
Product: Debt collection

I have a collection on my credit reports from a collection agency called Convergent Outsourcing. They list the original creditor as XXXX. I have NEVER had dealing or any type of business with XXXX. This collection does not belong to me.
Product: Debt collection

The home I lived in during this period belonged to a roommate. I had no utilities in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, yet the balance has remained {$1400.00} with no recorded payments or new activity. 
If no payments were made or missed beyond the initial charge-off date, continuously reporting new delinquencies each month is factually inaccurate and misleading.

This misrepresentation of account status negatively impacts my credit score in violation of 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information about an accounts status.

Incorrect Account Terms & Reporting Duration ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account is listed with a " 1-month term, '' yet it continues to be reported as delinquent for over a year. 
If the account was charged off or placed in collections in early 2024, new monthly delinquencies should not continue to be reported.

12 CFR 1002.6 ( b ) ( 6 ) requires credit information to be reported accurately, including the correct 
duration and status of an account.

Failure to Properly Update Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity as if payments were actively being missed. 
This violates 12 CFR 1002.10, which mandates that credit information be accurate and updated as necessary.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure credit information is accurately reported and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed. 
Sincerly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTINUE TO TRY TO DISPUTE INFORMATION, ON THE TRANSUNION WEBSITE, BUT WHEN I ASK TRANSUNION REPRESENTATIVES, AFTER GOING THROUGH THE DISPUTE PROCESS, AND UPLOADING DOCUMENTATION, IF MY DISPUTES WERE RECEIVED, TRANSUNION STATES THAT THEY DO NOT SHOW AS INITIATED OR RECEIVED. THEREFORE, TODAY, A TRANSUNION CHAT REPRESENTATIVE INITIATED THE DISPUTES, FOR ME, BUT NOW, ALL OF THE SUPPORTING INFORMATION WILL NOT BE WITHIN THE DISPUTES... SUCH AS THE INFORMATION, FOR WHICH, I NEED TO INFORM THE COMPANIES, NOR WILL THERE BE UPLOADED DOCUMENTATION, TO BE PRESENTED TO THE COMPANIES. I WILL UPLOAD THE DOCUMENTATION, UPON THE CFPB WEBSITE, WITH THIS COMPLAINT ; I NEED FOR THE COMPANIES/CREDITORS TO RECEIVE THE UPLOADED SUPPORTING DOCUMENTATION. 

THERE ARE THREE COMPANIES/CREDITORS WHICH HAVE BEEN REPORTING PAYMENTS, AS XXXX DAYS LATE, WHEN THEY HAVE NOT BEEN XXXX DAYS LATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE BEEN REPORTING AS XXXX DAYS LATE, WHEN THE PAYMENTS WERE NOT XXXX DAYS LATE. I HAVE BEEN ATTEMPTING TO DISPUTE THE COMPANIES. FOR EXAMPLE : XXXX XXXX XXXX PAYMENTS WERE MADE ON XX/XX/XXXX, FOR XXXX PAYMENT ( BEING REPORTED AS LATE, WHEN WAS EARLY ) AND ON XX/XX/XXXX, FOR XXXX AND XXXX 'S PAYMENTS ( MADE, TOGETHER ). XXXX PAYMENT WAS LATE BUT NOT XXXX DAYS LATE, BECAUSE THE PAYMENT WAS DUE, ON XX/XX/XXXX. XX/XX/XXXX PAYMENT WAS EARLY, BECAUSE IT WAS MADE ON XX/XX/XXXX. THUS, XX/XX/2022 AND XX/XX/2022 ARE BEING REPORTED AS XXXX DAYS LATE, WHILE XX/XX/2022 PAYMENT IS BEING REPORTED AS XXXX DAYS LATE. 

XXXXXXXX XXXX XXXX  IS REPORTING XX/XX/2022, AS XXXX DAYS LATE. THE PAYMENT WAS MADE, EARLY, ON XX/XX/XXXX. XXXX 'S PAYMENT WAS MADE ON, XX/XX/XXXX, THEREFORE, THE XX/XX/XXXX PAYMENT WAS FOR XXXX PAYMENT. THEN, XXXX XXXX XXXX BEGAN MAKING MY FOLLOWING PAYMENTS, WHICH WERE BEING REPORTED AS LATE, BUT THE REPORTING WAS CORRECTED, TO REFLECT AS, " CURRENT '', FOR ALL OF THE MONTHS, IT WAS INACCURATELY REPORTING, AS LATE. IT REMAINS, ONLY XX/XX/2022, NEEDS TO BE CORRECTED.
Product: Debt collection

On approximately XXXX XXXX, XXXX, I received a letter from " General Service Bureau IncXXXX '', XXXX XXXX XXXX, XXXX, XXXX, stating that they are trying to collect a debt I owe to XXXX XXXX. The last time I interacted with the medical system was to get a PCR Covid-19 test either XXXX XXXX or XXXX, XXXX, at a XX/XX/XXXX XXXX XXXX XXXX The letter claims I owe {$30.00} from XXXX XXXX, XXXX, but I have no record of XXXX contacting me regarding payment. ( I would have expected a bill in the mail, although sometimes it's difficult to know whether it's what you actually owe or if you should wait for them to sort it out with insurance. ) Today ( XXXX XXXX, XXXX ) I logged into XX/XX/XXXX - XXXX XXXX 's online patient portal - and went to the Pay My Bill section. When I attempted to view and pay any outstanding bills, I received the message " You have no accounts with open balances at this time. '' That indicates to me that I do not owe them any money. 

The letter references a XXXX account number, but when I enter this in XXXX 's " XXXX XXXX '' portal, it says that the information is invalid/account not found. I have not been able to locate an account number for myself at all in XXXX. 

I searched the email I have on file with XXXX and there is nothing regarding billing or payment. I will reach out to UnityPoint about this, but I can't imagine why the person on the phone wouldn't find the same thing I did- I have no outstanding balance. 

It's possible that since I have a generic name, " General Service Bureau '' has the wrong person, but I do not want to interact with this strange company that is possibly a scam. The letter really seems to want me to respond by XXXX, XXXX, XXXX, but I don't want them to know they've reached an actual person because it says " We will use any information you give us to help collect the debt '', which indicates that any response will result in further contact. 

I'm happy to pay my bill to my healthcare provider, but there's no way I'm mailing a check (! ) to a 3rd party company I've never heard of. This situation also makes me concerned about the security of my information with XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQ 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I made a deposit in my back account late XXXX XX/XX/XXXX. I dropped my debit card outside apparently after the deposit. Later that evening when I went to make an online purchase with XXXX my debit card got declined. Once, I received that information I logged into my account and saw over XXXX dollars was used from my account. I immediately contacted my bank and asked why wasn't I notified as fraud due to a large purchase. The amount spent is way out of normal activity for me. I was never alerted to attempt to stop the purchase. Once I opened the claim about 4 days later XX/XX/XXXX I was informed my claim had already had a decision. The decision was that my phone was used on digital wallet to make the purchase. This was absolutely impossible. The card was used at the galleria and I had my phone not even close to the area. I've requested that the IP address from the phone be checked. I've yet to receive a response or any feedback from Wells Fargo.
Product: Mortgage

charged for lenders expenses paid by mortgage company. No summary of payments No credit report of these fees, new mortgage company requested a payoff and received new numbers includin the XXXX lenders expenses paid XXXX Making the new loan amount with the new company XXXX more.
Product: Debt collection

Third Party Collection Agency is trying to collect a debt they say my dad owes. I called them and left a voicemail explaining this is not a debt I owe and asked them to stop calling me. I told them if they continued calling I would report them to the FTC. They stopped calling me for a couple weeks but have started calling and now texting me. 

I deleted old phone calls, but phone calls I've received since I asked them to stop calling me have been : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I received a text message today, XX/XX/21.
Product: Debt collection

I have an open complaint and the company stated to cfpg that it needed time to respond ( complaint XXXX ). Instead the filed a lawsuit XX/XX/year>
Product: Vehicle loan or lease

USAA, motorhome loan. 
Tried to pay monthly loan for mY motorhome check was sent back to me. I did not have the account number, due to amount before was taken out of the checking account auto by USAA. I contacted the company and was told since I could not answer all the security question from phone calls USAA was not able to help. I am not getting any where and need help with this. The longer this motorhome monthly payment is not paid the total amount I will have to make up will be extremely hard. I am going threw a divorce.