23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and XXXX said I haven't paid the account in months. After speaking to various people at XXXX I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge XXXX reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called XXXX and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the XXXX 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to XXXX 's negligence.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Experian is reporting monthly data that includes a delinquency/charge off for XX/XX/2008 for XXXX. That is beyond the 7 yr reporting time.
Product: Credit card

Subject : Request for Resending 1099 for Charged-Off Credit Card Account Dear Chase Bank Credit Card Services , I am writing to address an issue with my charged-off credit card account. To date, I have not received a 1099 document related to this account. I require this 1099 form for the purpose of correcting discrepancies on my credit report, as it is crucial for my financial records and credit history.

I kindly request that you resend the 1099 document for my charged-off credit card account to the following address : [ Your Mailing Address ]. I would appreciate prompt action in this matter to ensure I have the necessary documentation for credit report rectification.

If you have any further questions or require additional information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter, and I look forward to receiving the 1099 document at your earliest convenience. 

Sincerely, XXXX
Product: Vehicle loan or lease

In the Retail Installment Contract, there were several areas the were designated N/A. The first N/A was in the upper right box asking if the vehicle was for personal, business..etc. This question was answered for me. But there is a clause at the bottom of page one that states that if the vehicle is for personal use that finance charge would not apply to the purchase, yet the box was answered for me, no full disclosure. This makes every question/statement declaration on said contract false information. If info was truthfully applied correctly the correct amount of the contract would be drastically different in the amount of {$32000.00}, the finance charge. The next issue is the FEDERAL TRUTH-IN-LENDING DISCLOSURES BOX5. " The total cost of your purchase on CREDIT, including your down payment ''. This box indicates that the credit paid for the vehicle on the date the contract was signed XX/XX/year>. This is also a problem based off of the finance charge that should have not been applied because the vehicle is for personal use. I reached out to Mercedes Benz Financial Services multiple time on recorded conversation trying to remedy the situation per the contract thru arbitration, they claimed they were unaware left me on hold multiple times only to have my vehicle repoed. They repoed the car with no court order, no lien or title so technically they're holding my car ( that's paid for thru the credit received at the signature per first paragraph on page 1 ) for ransom. My credit has suffered because of false claims of late payments on a false loan based of misleading information, no equal consideration for both parties in the contract, which basically is trying to make me pay twice with cash installments thru 72 months and my credit via my signature paragraph 1, page 1.
Product: Money transfer, virtual currency, or money service

Hello, I was scammed out of {$2300.00}, and my California ID number, and address. 

I was initially recruited by the scammer ( s ) from a post on the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX, where one member posted that her company was looking for part-time data entry workers. I was contacted by their hiring manager, interviewed over XXXX XXXX and I agreed to work for them, at $ XXXX for XXXX hours a week. Once hired I gave them my personal info, CA ID, phone number, physical address, and email address. 

After that, I was emailed a check of {$2500.00}, and asked to buy software in which the total cost was {$2300.00} ( I sent {$1000.00}, {$500.00}, {$800.00} to several different entities via XXXX, Bank of America ), for a computer which they would send me. However, the check which I was given and had deposited subsequently bounced. 

Before the first check had bounced which took 2days, the scammer ( s ) also gave me another check of {$3800.00} to deposit, because the previous amount wasnt enough for the software needed to do the job. I have not deposited that check.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to address this matter, I am disheartened to find myself addressing it for the fourteenth time. 

The repeated failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Balance : {$12000.00}.
Product: Mortgage

In XXXX 2017 we started the process to refinance with our existing mortgage company, SunTrust. After four months and us providing every piece of paper asked for they still have not signed off on the loan and have given us no explanation as to why we are being denied. Our loan processor was great and really tried working with the underwriters and was a confused as we are about why we have n't been approved for a loan we more than qualify for. We have nothing in writing and everything we have been asked to return to them we have sent to them in a very timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX - {$3400.00} - IDENTITY THEFT 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 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: Debt collection

During my time as an employee for XXXX, I was encouraged to open a Dealer or Concession line as my business contact number. I successfully opened an account and paid monthly according to my contract. Unfortunately that phone was stolen/lost by a fellow employee and I had documentation from XXXX to verify, it was ultimately reported as lost to the company and my superiors in a timely manner. I was told by my manager to open another line, as I would n't be eligible for employee discounts if I fully cancelled my original account for 3 to 6 months. I was instructed to use my social security number to open another type of employee discount account and did so without issue. I used this new account until I parted ways with the company. I was informed that all employee accounts would be terminated upon my leaving and that all devices had to be returned. I left my phone at my store location with my manager and called into employee care to verify the information he had given me, which they did. 

Nearly a year later I requested a credit check and saw that I had been sent to collections over a debt with XXXX. When I called in to see where the debt had originated I was bounced back and forth between XXXX and XXXX as neither said they could help me ; XXXX XXXX because I was a consumer, and XXXX because I had been an employee for the duration of my account. 

My current position allowed me to open an employee line with XXXX although they are NOT my employer, and I used this opportunity to begin a dialogue with someone who could possibly work on clearing up this debt from within the company. After weeks of telephone and email correspondence with the gentleman, I was offered the ability to pay off the debt and then be immediately reimbursed the money if I opened another account with XXXX. I felt immensely pressured to take the offer to save my credit but ultimately decided to pass, as I was n't comfortable being forced into signing another binding contract with the company to erase a debt that should never have occurred. 

Throughout the duration of this, going on two years, I have been called repeatedly by multiple Debt Collection Agencies each time the " debt '' is sold off to a new company. I 've been called at work, late in the evening, inappropriately early in the mornings, and now XXXX prompting me to submit a complaint XXXX a NEW company has begun calling my family members in other states.
Product: Credit card

Chase Visa did not properly protect my rights as a consumer when I disputed a charge by a XXXX '' company. I had to call CHASE numerous times to get the information card mailed that provided the instructions to dispute. They were not very cooperative until months later. Thankfully I had clear cut email documentation of the vendor failure AND I provided email documentation from the XXXX '' Company that proved they had not provided services as advertised to CHASE. 
Chase summarily found in the vendor favor. I FIRMLY BELIEVE THEY NEVER REVIEWED THE DOCUMENTATION Until I escalated the complaint to Chase Visa " EXECUTIVE '' Office and fought for my rights. They finally agreed to dispute properly. I followed up with Chase Executive Office and was never called back to discuss my treatment. I gave them plenty of time. WATCHING THE XXXX SPEECH by the widow who was a victim of the scam reminded me that CHASE was more than willing to give me NO SUPPORT with my rights.
Product: Debt collection

On XX/XX/2023 I tried to request a credit increase on one of my credit cards and the request was denied due to a collection account reported on my credit profile, by First Federal Credit Union with an original creditor called XXXX XXXX XXXX XXXX, I have always paid my account on time and I didnt recognize any of the companies named on my credit profile as a collection account ; I tried to locate both companies to verify what was happening, however, my attempt to contact them was not satisfactory. Additionally, I never received a letter neither phone call from any of the companies named above trying to collect the debt, it just appeared on my credit profile. 

After that, a few days later, on XX/XX/2023, one of my daughters applied for federal financial Aid at her college, and I was contacted by financial aid department of my daughter school, that there was an error since there was a second tax return filled as an amendment, I didnt recognize that, since I have never amended my taxes ; I contacted my accountant and we filed identity theft with the IRS . 

I dont think its a coincidence that both the collection account and amended return occurred at same time.
Product: Mortgage

Carrington Mortgage bought my mortgage earlier this year. They increased my payment due to an increase in the escrow payment - I have no problem with that. However, I did not get notified of the increase. I always pay my mortgage electronically, and always have included more than the amount due. In XXXX, I got a notification from Carrington that they had not received my mortgage payment. I checked my bank records, and they indeed had cashed the electronic payment. When I called to enquire about why they thought they had not received it, they told me that they had increased my payment, that the amount I had paid was insufficient, and that they did not accept partial payments, so it was the same as if I had paid nothing. I made a payment at that time to bring the account up to date but told them I was disputing the {$82.00} late fee - which the Customer Service person said was kept in a separate account anyway. When I tried to change my electronic payment to the new amount, my bank said the payment was already being processed and could n't be changed, so I sent an additional {$100.00} to Carrington to cover the increased mortgage payment. I then changed all subsequent payments to the new amount. I received another letter from Carrington in XXXX saying that they had not received my payment for XXXX. Again, my bank records show that they cashed the original payment and the additional {$100.00} payment. It should be apparent that they now owe me money, as the {$100.00} more than covered the additional escrow increase. 
I have received numerous additional notifications of non-payment - every month - despite my bank showing that they have cashed the electronic payments for the exact amount required. I have tried to talk to their Customer Service, but it is apparent that the only thing they can do is take a payment over the phone. The first time I called in XXXX, they acknowledged that they had mis-credited my XXXX payments, but I still get notifications of non-payment EVERY month. I have bank statements to prove all of the payments. I have made approximately XXXX calls to their customer service, and they repeatedly put me on hold for XXXX minutes at a time. I 've even had XXXX of them ask me if I can just call back Monday - which I assume is when she would n't be working. When I ask to speak to a supervisor, they dump me into voice mail. I finally tried calling their corporate offices - good luck with finding anyone who has an idea how to resolve this without just calling Customer Service, which is useless.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the unjustified hold on my account balance and the lack of clear communication about the resolution process. 

Complaint Details : Bank Name : Capital One Account Holder Name : XXXX Account Number : XXXX Date of Account Restriction : XX/XX/scrub> 2024 Funds Held : XXXX $ I opened my account with Capital One online as a non-U.S. resident with a valid ITIN, and I successfully received funds into my account. However, when I attempted to transfer the funds to another account, Capital One placed a hold on my balance without providing any legitimate reason or timeline for the release of my funds. 

I have repeatedly contacted Capital Ones customer service department, but they have failed to provide any clear explanation or solution. Instead, I am repeatedly advised to visit a branch to resolve the issue. As a non-U.S. resident, it is not feasible for me to visit a branch in person, especially considering that the account was opened online. 

Key Issues : Unjustified Hold : Capital One has failed to provide a clear reason for holding my funds for over three months.

Lack of Communication : I have made multiple calls, yet no timeline or proper resolution has been provided. 

Unreasonable Request : The repeated demand to visit a branch is impractical given my non-U.S. residency and the nature of my online account setup. 

Potential Misconduct : I believe Capital One 's actions, including prolonged withholding of funds without valid reasons, may constitute fraudulent or unethical behavior.
Product: Credit card

didnt know the credit card was being used. I paid the discounted rate in XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information provided by XXXX displays an unknown entry : XXXX XXXX XXXX ( XX/XX/2019 ) Type of Industry : Other Collection Agencies Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number : ( undefined ) undefined I have no idea what the above entry is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been under a XXXX  XXXX for the past 3 year I have not applied for anything because I was aware that I will not get it due to me being and a XXXX  XXXX this account is fraudulent
Product: Mortgage

In XXXX my escrow account was debited twice for property taxes although the charges were not all invoiced as property taxes. 

Throughout the year my escrow account was debited in the amounts of : {$22000.00} and {$3100.00} in XXXX XXXX, {$6300.00} in XXXX XXXX, and {$6300.00} in XXXX XXXX. 
The total of these debits were {$38000.00} which was an exact match of what the " PROJECTED '' property tax disbursement was. All those amounts were actual debits paid from my escrow account and were titled " ESCROW PAYMENT ADJUSTMENTS ''. 

Later in XXXX of XXXX when the actual property tax bill was issued, it was debited and paid in the amount of {$37000.00}. 

In effect the total debits from the escrow accounts were the actual taxes paid in addition to the ESCROW PAYMENT ADJUSTMENTS totaling {$75000.00}. As the monthly escrow payment only estimates for the annual tax of approximately {$38000.00} or $ XXXX/month, this has left a negative escrow shortage causing the servicer to raise my escrow payment for the coming year by {$3000.00} in addition to the {$3200.00} I currently pay into escrow each month. 

I checked county records and my property taxes are paid up to date for prior years, therefore there is no explanation left other than this is a clerical error. I have made several attempts at resolving this with Mr. Cooper employees and their supervisors but none of them have answers as to what those charges are, but they will not refer the matter to someone who will help resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in the appropriate documentation that supports proof that an account with XXXX  was fraudulently opened. I have used all appropriate channels and submitted all required documentation including the attached police report and FTC fraud affidavit and filed a dispute with Experian  ( XXXX  ). They concluded the dispute by not removing the fraudulent account. I am in dire need of financing related to the XXXX. I am asking that this account be removed from my credit report as it does not belong there.
Product: Checking or savings account

Well Fargo charge me recently fees XX/XX/24 regarding overdraft transaction, they usually give me extra day to cover it witch I did but its always end up with fees anyways. They clear few expense before I deposit the money and few after I deposit the money for charge me fees. See files attached amount needed to cover = {$130.00} so I deposited {$280.00} ( + {$140.00} ) left but they somehow still charged me fees for XXXX of those transactions and they do that often recently.
Product: Checking or savings account

XX/XX/23 Reported to bank 's fraud department that a fraudulent check was deposited to my account. Asked bank representative to freeze account and close debit card. 
XX/XX/23 XXXX direct deposit {$350.00} taken by bank to offset fees XX/XX/23 Received bank letter indicating deposited item being returned as fictitious item XX/XX/23 Received bank letter indicating investigation closed XX/XX/23 Letter received from bank indicating account closure. 
XX/XX/23 social security XXXX benefits received by bank verified by trace # provided by social security XX/XX/23 Went to bank to pay any fees and close account. Representative indicated account closed, social security XXXX returned to them as they could not post it as account was closed. 
XX/XX/23 called bank advising social security treasury did not receive funds back. Upon bank visit, learned social security posted for {$2400.00}. Bank took {$520.00} for fees and overdrafts was told by associate I could withdrawl {$1900.00}. Visited bank, informed account frozen for XXXX business days. Bank would not unfreeze social security XXXX even after all fees and negative balance was taken care of. Told I could possibly get funds on XX/XX/23. Asked bank how they could freeze federal XXXX funds, was told they can do what they want. Advised by associates to leave bank as it was closing time. 
Because funds were frozen, cable and cell phone turned off. Landlord started eviction process.