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

I have been attempting to dispute a XXXX transaction wherein the driver changed our destination without our authorization and nearly doubled the cost of the ride. XXXX refuses to meaningfully engage with me, referring me to a XXXX that gave scripted answers, so I filed a transaction dispute ( chargeback ) with Apple Card. This dispute was sat on for nearly XXXX months and rejected with almost no explanation. I re-filed the dispute at the recommendation of Apple Card customer service and had the same outcome almost XXXX months later. They claimed they would provide me with all documentation regarding this case, including XXXX 's reply, but they have never done so. They provide no proof this transaction was authorized at all and will not engage with my sworn statement of events. They only say that evidence supporting the dispute is " insufficient '', except I am never accorded the chance to provide evidence in any meaningful way nor am I allowed to see XXXX 's responses to the dispute. The transaction in question is nearly XXXX months old at this point and in that entire time nobody has provided me with evidence to support their assertion that this transaction was authorized by me or anyone else authorized to use my credit card. This is contrary to industry practice, the Fair Credit Billing Act, and Mastercard 's own policies for chargebacks and dispute resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I mailed a letter to the creditor and CRAs to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, XXXX Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$710.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Self lender reported for XXXX to XX/XX/2023 a balance of XXXX dollars..my credit limit is XXXX..on my credit card stament close date my balance was on XXXX cents..I was way under 30 % of my credit utilization..my stamens close date was XXXX I never spent any of my money on the card..therefore my balance was reported inaccurate I even called them to verify my statement close date ... my credit score went down XXXX  points ... this is fraudulent in accuracies and they should be punished by law as a credit company ... in XX/XX/2023 they reported my balance was XXXX dollars when I had a balance of XXXX dollars of a XXXX dollar limit..
Product: Credit card

After a recent purchase from XXXX turned out to be defective, and I found the defect just XXXX days outside the XXXX XXXX return window ( because I was traveling ) and was unable to get any response from the manufacturer, I reached out to Capital One to use the " purchase/warranty protection '' benefit they offered at the time they advertised the {$390.00} annual fee Venture XXXX  XXXX  credit card. 

I spent XXXX minutes explaining the issue to Capital One, after which Capital One made me fill out a lengthy form asking for all kind of details. I spent a good amount of time filling out the form, collecting the chat transcript where the XXXX agent said they will refund the amount but never did, and uploaded all the documents they requested. But as soon as I uploaded it, within seconds they immediately sent me a rejection of dispute ( auto-rejection ) without any explanation. 

I called their number to understand why they rejected it so quickly, it was obvious from my conversation with the agent that they never read any of that and kept pointing out that some information was missing ( all the information was there ). Next they kept putting on hold several times saying they will " be back in XXXX to XXXX minutes '', and made another excuse stating that the XXXX chat transcript I posted is not good enough and they need screenshot. Their " purchase protection '' is about any defect in product quality which they are not honoring. Instead they are using every tactic in the book to waste your time, make you jump through hoops, and wear you down. 

It sounds like Capital One makes false promise of " purchase/warranty protection '' only to give you a run-around when it comes to using the benefit they claim to offer to justify charging the {$390.00} annual fee for. Because of that, I'm requesting that they refund the original amount of {$77.00} that the item cost, and the {$390.00} annual fees they charged me for a benefit they never intended to honor, and a {$200.00} " inconvenience fee '' for wasting my time and giving me the run-around. 

Can you please take this scammy " credit card '' company to task? 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$900.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$1200.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$110.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$640.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$1000.00} Account : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT, IT IS FRAUDULENT AND IAM REQUESTING THAT IT BE REMOVED IMMEDIATELY This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

SSN :
Product: Mortgage

Nationstar Mortgage claims we owe 2 months payment. The problem is we have been in bankruptcy for the past 5 years. We were supposed to have been discharged in  XXXX . Then Nationstar comes back and says we owe 2 months and yet we have satisfied all payments to the trustee of Ch.  XXXX . I have continuously provided Nationstar with bank statements through my bankruptcy attorney and yet they do n't seem to find the payments. To begin with I have never missed a payment to  XXXX   XXXX   XXXX  who first held our mortgages, then now to Nationstar. The reason we got into bankruptcy because we fell behind in our mortgage payment. Now we have satisfied the requirements for discharge, then Nationstar comes along and says we owe two months of this year- XXXX  and  XXXX . I called them on    XXXX  -2017  and spoke to  XXXX , he told me I was up to date in my payments and he did n't know was going on, and he was going to submit an inquiry into the matter. He went on say that it would take a week, but we never heard from him or them again. Since then  XXXX   XXXX  from the bankruptcy attorney has been communicating with Nationstar attorney  XXXX   XXXX . Then on  XXXX  -2017,   XXXX  sends me text saying Nationstar received  XXXX  's payment and that they will apply it to  XXXX  's. I called on  XXXX  -2017 to    XXXX  and spoked to  XXXX  in the bankruptcy department, and claims that the default in payments goes back to when  XXXX   XXXX   XXXX  had the mortgage during the initial stages of our bankruptcy. That is not possible, as we had taken care of that problem about  2  to 3 years ago, and yet they are bringing up matters that have already been resolved. I am trying to get  discharged s o that I can refinance my home and get my title to my truck and move on with our lives, but that does n't seem to be the case with Nationstar. I have prove from Nationstar sent us a letter that  Pre-Petition Default P ayments have been paid in full to cure the default, contradicting  XXXX  's assertion that we still owe. Please help us with this dilemma, I will provide with whatever documentation is required and also they keep on raising my escrow payment and yet we never see a dime of any money that is left over from after them paying the taxes on our house.
Product: Debt collection

XXXX XXXX XXXX is charging me for the full amount of my emergency visit after failing to bill my state insurance that would have paid all of it. I called twice and was assured that it would be billed properly and it never was. I contacted my insurance and they never received anything from them. The debt collection agency they are using is not being helpful even though it have proof from my insurance company that they never billed them and they have my insurance information on hand. They told me they would list it as disputed but instead they listed it as a valid debt without providing any proof that they have done their job.
Product: Credit card

My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false.
Product: Credit card or prepaid card

1. I have been a Bank of America customer for the last 23 years having checking, savings accounts. I have also a business account with Bank of America for our non-profit chartiable foundation for the last XXXX years. 
2. Last year in XXXX, when I logged into my account, I saw a promotional offer from Bank of America for opening a credit card account. It offered XXXX rewards ponts or {$300.00} statement credit when you spend {$3000.00} during the first 90 days of opening of an account. So, I applied for the credit card in XXXXXXXX XXXX and I got the credit card approved and in mail by end of XX/XX/2022. I charged {$3000.00} to the new CC card for one of our bills due with XXXX XXXX XXXX XXXX XXXX CA and paid the amount the very next month. 
3. After ninety days, my account was not credited with the rewards points or the statement credit as promised. When I called BoA customer service, I was told to submit that I am an authorized person for my business and I did submit that and also a letter requesting my rewards points or statement credit. I called again couple of times, but so far they have not fulfilled their promise.
Product: Checking or savings account

I opened an online account with Discover Bank on approximately XX/XX/XXXX. The promotion I signed up for included a bonus of {$150.00} for an account deposit of {$15000.00}. I made the deposit for that amount. Three days after I opened the account, Discover restricted my access to the account stating, suspected fraud. I contacted them immediately and they told me they could not disclose any information. A few days later, I tried again with the same results. They told me I would receive a letter of explanation, but the letter told me nothing. They told me that my money would be returned in 60 days, however, they said that the bonus and interest would most likely not be paid to me. I would like my deposit returned immediately, along with my bonus and interest.
Product: Checking or savings account

Wells Fargo recently settled with me regarding account opened without my consent I was also informed when I settled with Wells Fargo that they would delete any negative information associated with those accounts I was also informed my account would change from a second chance Account to a regular everyday checking however that never happened I was also informed i would be able to open checking and saving accounts moving forward however that is not the case
Product: Debt collection

I was sued by Lvnv Funding, Llc, never received a summons or any paperwork in the mail and my local XXXX XXXX  issued a default judgement against for {$1100.00} along with a lien against income tax. I never had a credit card with that company, I would have shown up for court had I of received correspondence with a court date. Doesn't seem fair or legal nor are they licensed in Michigan Lvnv Funding, Llc Debt collection agency in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Mortgage

The Money Source ( TMS ) serviced my home mortgage for the house I live in. I refinanced this loan with a new lender and TMS was paid off. 

The new loan disbursed on XX/XX/2020 and the loan that TMS serviced was paid off. However, they still have not refunded the escrow balance from the old loan. 

My TMS account shows escrow refund entries for XX/XX/2020, but I have never received the refund check ( s ) nor the escrow statement in the mail. TMS still owes me the {$1100.00} left over in the escrow account from the old loan. 

I called TMS on XX/XX/2020 at their toll free number. The customer service agent said she showed that the money went out on XX/XX/XXXX. She said she would put in an internal request to stop the first check and have a new check reissued by TMS escrow.

It has now been almost a month since I called TMS and I have heard nothing, nor have I received any check, call, or letter. It has been two months since my old loan was paid off and I am still owed the escrow refund! I would like the funds mailed to me ASAP. 

Thank you, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to address a concerning issue regarding the delayed deposit of a check sent by the car dealer to return the amount for a canceled XXXX XXXX XXXX ( XXXX ) to the Santander Consumer USA. 

On XX/XX/XXXX, the automobile dealership from which I purchased the vehicle dispatched a check in the amount of {$2600.00} via overnight XXXX XXXX to Santander Consumer USA as reimbursement for a canceled XXXX XXXX XXXX  ( XXXX ). The check was successfully delivered and received by the bank on XX/XX/XXXX at XXXXXXXX XXXX. 
However, regrettably, as of the present date, XX/XX/XXXX, the funds from the check have yet to be reflected in my account. 

Given that this check represents a refund for a canceled service contract, timely processing and deposit are essential to ensure the prompt return of funds and avoid any adverse effects on my financial situation. 

Upon contacting the customer support center of the Santander Consumer USA, I was informed that it could take between XXXX to XXXX days for the check to be processed and deposited after the date of recieve. 
This prolonged time frame appears excessive and raises concerns about potential violations of banking regulations, particularly regarding the timely processing of refunds for canceled contracts. 
Furthermore, they declined to furnish any documentation outlining a processing timeframe for checks, attributing the delay to an " internal rule '' without offering further clarification or reference to relevant documents. 

In addition to the delay in processing the refund check, I am also concerned about the calculation of interest during this period. It has come to my attention that while the check remains undeposited, interest is being calculated on the full amount, including the amount of the check which effectively means a few hunder dollars of extra interests picked by the bank without any reason. 

The unforeseen delay in the deposit of the check resulted in a payment becoming due for a period of XXXX days, given that my regular payment date is the XXXX day of each month. I had anticipated that the aforementioned check would cover this monthly obligation. However, upon realization of the non-deposit of the check, I promptly remitted the payment through an XXXX transaction from my account, thereby ensuring that the account remained free of any outstanding liabilities. As of present, no late fees have been observed on the account, and I trust that none shall be imposed. However, should such fees be levied, it would be unjust, as the delay was not attributed to any actions or oversights on my part. 

My dealer furnished me with a duplicate of the check, along with documentation confirming its dispatch and a tracking number, verifying the date of delivery which I am attaching below.
Product: Money transfer, virtual currency, or money service

The money I transferred from wise money transfer agency on XX/XX/2022 to my accounts in XXXX was not reached as per the schedule
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquires on my experian report that show I tried applying for certain credit cards that I did not do. 

XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX -- Inquired on XX/XX/2020 XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX XXXX -- - Inquired on XX/XX/2020
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, DPT EDXXXX XXXX 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 in ( MONTHS REPORTING LATE ) to 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. 


( SYNCB/CCDSTR, XXXX XXXX XXXX XXXX XXXX, INSURANCE SELFREPORTED, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Mortgage

In XXXX, I was behind on my mortgage payments because of temporary unemployment. At the end of XX/XX/XXXX, I complete a FHA partial loss claim, it was processed on XX/XX/XXXX. The partial loss claim provided a way to receive a " loan '' for the amount of {$34000.00} the amount of my I owed my mortgage comapy ( Equity Resources Inc. ). The due date of this " loan '' is the year XXXX. 

This process was supposed to bring my account current with my lender " Equity Resources, Inc. According to this new agreement I was to resume making my monthly mortgage company in XX/XX/XXXX. I have complied with the agreement and have made monthly payments to Equity Resources , Inc for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

The problem is that my monthly mortgage statements continue to indicate my account is in arrears. I have tried over XXXX times to get my account updated in the last 6 months but nothing has been done. My monthly mortgage statements are inaccurate and do not subtract my payments form the outstanding balance. The balance owed grows every month although I am making my payments and have fulfilled my monthly obligation. 

I have checked my name and property address with my state propery tax office and district court. Both places reflect the changes to my mortgage account as of XX/XX/XXXX. 

The end of the year is fast approaching and I fear my tax documents will not contain the correct information. Also, I feel ill-at-ease and in financial/housing limbo every month when I see the rising balance on my account. 

Please help!!!!!
Product: Credit reporting or other personal consumer reports

reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ XXXX, XXXX, Transunion ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX