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

Capital One sent my a prequalified offer for a credit card. I used the pre-qualified offer and opened an account. I was given a {$2000.00} credit line and sent a card. I was using the card and paying it off once the charge posted. I never once was late on a payment and I never put more than {$600.00} on the account. Capital one suddenly closed my account and gave me very vague information as to what effected their decision to close my account. nothing new had come up on my credit report since I opened the account besides the hard inquiry from Capital One themselves. They had the option to first not send me a pre-qualified offer and secondly to not open an account. I now have another closed account on my credit report because of Capital One and don't have a clue as to why they actually closed the account. I spoke to Capital One customer service to inquire about my account being closed and they refused to provide any information and refused to let me dispute the closing of my account. The account was opened in XXXX of 2023, I was never late on my payments and was never over my credit limit and payed my account off early. My account was closed in XXXX of 2023. That also when I spoke to customer service. My account currently has a XXXX balance.
Product: Credit reporting or other personal consumer reports

Experian did NOT adhere to the FCRA. The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. The credit reporting company must take certain steps when you notify them of an error. Once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after you dispute the accuracy or completeness of the information, unless your dispute is frivolous. 

Experian continues to allow negative inaccurate accounts to reinstate the block that I've already won in disputing with Experian. Experian 's address records reflect the negative credit cards for the address below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

Hence, if I never lived there and then the information is inaccurate and false. Experian 's own address record reflect the same information, then Experian needs to PERMANENTLY block ALL of them even IF these negative accounts tries to reinstate the info back to my report.
Product: Student loan

I have been doing my payments by my credit card for my student loans. They never follow up with a receipt and I don't understand why they can take my money but they never want to send me a receipt. I use to mail payments now I got smarter and do it by credit card to show my payments. Also so they never report the correct information on my credit report. 

It seems dishonest to not provide a receipt for a payment. I talked to Navient again yesterday and the person said they would send my receipt by email that day. I still have not received anything. 

Plus I asked about information of loan forgiveness. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : XXXX XXXX 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

when I first applied for mortgage at webster Bank in Ct, I had my old house in the market XX/XX/XXXX and prety much a closing date set up. but webster bank broker told me that the only program that I could qualify was XXXX arm flexible rate but after one year in that mortgage I could apply for refinance to get out off. because I had another house on my name even if I had a closing sale date and I was making only XXXX +- a year but my income was good with a XXXX % down payment I would get the house I was applying for. after one year I did apply for refinance and was denied and told to wait another year did again and denied, every attempt I have made with webster bank either for refinance or mortgage modification fail until my house went in to foreclosure and I was forced to file a bankruptcy and after there accept a modification from the bank at their own terms so I could staay in the house even with a high interest rates
Product: Credit card

American Express XXXX preferred credit card offered me a promotional offer of {$150.00} statement credit on {$1000.00} in purchases posted in XXXX months. Also 6 % on supermarkets, 3 % on Gasoline, and 1 % on all other purchases. No where in that promo offer did it mention a {$75.00} annual fee. I even talked to a customer service rep when activating the card and specially asked if there was any hidden charges. She said NO. When my statement showed up with a {$75.00} annual fee I called customer service to complain. Long story but I eventually contacted the supervisor. I asked him when I was told about the annual fee. He actually said " after you applied for your card '' I told him if he did n't wave the annual fee I would cancel the card. That 's when I was threatened with the bad credit report threat. I asked if there was any way to cancel the card without hburting my credit : He said no. I was notified of the annual fee after I submitted that application. What kind of high handed business tactic was that. Please inform me of a way I can cancel my card after paying off the balances. I guess it would be smart to at least take the {$150.00} bucks offer before I cancel. Please let me know how to handle this. I have excellent credit and I dont want to take a hit on this. Real XXXX business I think.
Product: Credit reporting or other personal consumer reports

The following credit inquiries I do not recognize nor did I authorize XXXX 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: Student loan

XXXX XXXX incorrectly reported me 90 days late to all 3 credit agencies. I was never late, as I had applied for a forebearance, and they never processed the application. Later, I refiled the forebearance request, and it was processed 90 days late. I complained to the company by both letter and email, and they sent me a generic response saying they weren't going to do anything for me.
Product: Debt collection

Received this voice message to my phone : Yes Hello this is XXXX XXXX with the Weinberg mediation group and I 'm trying to reach XXXX XXXX XXXX XXXX We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter we have decided to reach out to you 1 last time to give you the opportunity to be be compliant and give your statement of intent to our office please be advised we do not hear back from you today I will no longer be able to assist you on a voluntary resolution contact the office back immediately at XXXX good day.
Product: Checking or savings account

I was XXXX from XXXX. During this time my phone and wallet were stolen. I reported it to the police and notified my bank as soon as I saw that they were lost. Someone during that time used my card in various states to make purchases in excess of XXXX. I have XXXX and have been very ill and was unaware of any of this happening during my treatment. I have provided proof that I was in California when these purchases were made in other states but chase is saying that since my pin was used, I am responsible for all the purchases even though I can prove I was XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX California when these purchases were made in various states within the XXXX.
Product: Checking or savings account

Dear Citibank : I am disputing a credit charge from XXXX XXXX XXXX in the amount of {$850.00}, which is included on my statement dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I spoke to the customer service manager about my card ending in XXXX being charged in the amount of {$1000.00}. It was two charges one was for {$200.00} and the other was XXXX. After speaking with the hotel customer service manager I was told I would receive a refund for {$1000.00}. I have only received a refund for {$200.00} and is still missing my refund for {$850.00}. I also see I got a refund for {$4.00} Im not sure what that is for. But as my bank I writing to you all to correct this issue I have been dealing with this since XXXX of this year and this charge was an unauthorized transaction. I have attached a copy invoice where its states I was supposed to be getting a refund. Any questions please feel free to give me a call at XXXX
Product: Debt collection

Truck was repoed, however it was sold at a auction .I had gap on the truck so gap should have covered the rest. They are not telling me any of this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I submitted a payment for {$270.00} for a puppy as a down payment. The next day I paid the {$300.00} needed to receive the puppy and I got no response from the seller afterward. I have messaged them in XXXX and through text message and no response. I have sent request through the the app we used asking for the {$570.00} back and they denied all of them. I went to my bank and they filed a dispute which the app denied and I was told there was nothing left to do. I have pictures of the conversation that took place with the seller from the moment I contacted them to the end. I also have a receipt from them signed. I have reported the seller on the social media platform that I found them on and that social media platform denied the report.
Product: Mortgage

Good evening, My husband and I obtained a fixed-rate conventional mortgage in early XXXX. Initially, our monthly mortgage was approx. {$2000.00}. For the last 4 years, Wells Fargo has sent us letters each year stating that we are behind in our escrow account. In late XX/XX/XXXX, we received another letter stating that we are now {$4000.00} dollars behind in our escrow account which raised our mortgage to {$2600.00}. That is alot of money added to our monthly payments since we obtained our loan. We were only given 30 days until the payment adjusted. I have not ever had this happen before and I believe something unethical is occurring. We have a fixed loan so why has the mortgage adjusted by that amount? I'd like to request assistance on getting this resolved by having this investigated. Consumers obtain loans based on what they can afford and don't expect to be blindsided in this manner.
Product: Debt collection

Formal Dispute of Collection Account Reporting by Caine & Weiner Company Inc. 

I am writing to formally dispute the collection account reported on my credit reports by Caine & Weiner Company Inc. ( Account Number : XXXX ). The debt, as reported, raises significant concerns regarding its validity and accuracy. In accordance with 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of the alleged debt. 

Specifically, I am requesting the following information : Verification of the Debt : A detailed breakdown of the amount of the debt, including all fees, interest, and charges assessed. 

A signed contract or purchase agreement with the original creditor, XXXX, explicitly confirming my liability for the debt. 

Creditor Information : The name and contact information of the creditor to whom the debt is owed. 

Documentation confirming whether the debt has been transferred or sold. 

Validation of Reporting : Copies of any documents or records used to verify the debts legitimacy. 

Documentation showing that I provided explicit permission to Caine & Weiner Company Inc. to report this account on my credit reports. 

Original Creditor Details : documentation providing details on if the debt has been transferred or sold, provide the name and address of the original creditor. 

Proof of Legal Authorization : Evidence demonstrating compliance with all FDCPA and FCRA requirements for reporting a collection account. 

According to the FDCPA, Caine & Weiner Company Inc. must provide the requested documentation within 30 days of receiving this letter. If validation can not be provided within this timeframe, I demand that this account be deleted from my credit reports with XXXX, XXXX, and XXXX immediately. Reporting unverifiable information is a direct violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 15 U.S. Code 1692e ( 8 ), which prohibit the reporting of false or misleading information. 

Additionally, I request that all collection activities, including phone calls, letters, or other forms of communication, cease immediately until this validation is completed. Continuing to collect on or report an unverified debt is a direct violation of the FDCPA and subjects your company to potential legal action. 

Failure to comply with this request will result in formal complaints being filed with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies. Furthermore, I will consider pursuing legal remedies to protect my rights and ensure full compliance with federal laws. 

Enclosed, please find screenshots of my XXXX and XXXX credit reports showing this accounts reporting details. I trust you will treat this matter with the urgency and seriousness it warrants and expect full resolution within the statutory timeframe. 

Sincerely, XXXX XXXX
Product: Debt collection

Hi, I hope you can help resolve the following issue. The Municipal Services Bureau sent a collection notice to me ; however, they have the wrong person. This is the second time this collection agency has sent notices to me for the wrong person at my address. 

On XXXX, XXXX/XXXX/16, I received a collection notice from MSB for {$1400.00} for alleged outstanding traffic violations emanating out of XXXX, XXXX XXXX XXXX. Several years ago I received a collection notice from the same company, again as a result of traffic fines out of XXXX, XXXX, Hawaii. In XXXX instances the middle name of the party is different from mine as well as different dates of birth and social security numbers. 

I 'm a XXXX, and have never resided in XXXX, XXXX, Hawaii. I also have never had a traffic violation in my life. 

Upon conducting checks for XXXX instances, I learned that the Municipal Services Bureau utilizes a " Skip Trace System '' that somehow gets my name and address for the above mentioned traffic complaints. I have contacted the courts for XXXX incidents and they do not know how the collection agency can get the information so wrong with what is provided to them. 

Please contact the Municipal Services Bureau on my behalf and remedy the situation. This would be greatly appreciated. 

I would like my name and address to be removed from their system and want a letter of apology from them and have them indicate what steps have been taken to ensure this never happens again. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXXXXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXXI account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Mortgage

This is the fifth time I 've complained to the cfpb about Citizen 's Bank, my loan number XXXX. Nothing has been resolved, corrected or done and they continue to harrass me by telephone ( I filed a cease and desist letter to them via certified mail on XXXX XXXX, 2015 -- it was signed for by " XXXX XXXX '' on XXXX ). This time, they cashed my check on XXXX XXXX, 2015 and it was posted to my bank on that date -- yet I 've received XXXX phone calls on my cell phone XXXX XXXX and XXXX and XXXX at my place of business on XXXX XXXX. Not only did they have my mortgage money, they have ignored the cease and desist letter. I have been written to by XXXX XXXX, of the Office the Chairman -- her direct phone number is XXXX. She never is at her phone, never returns phone calls and sends silly letters out stating that they are " researching the matter within 15 days. '' I would like to know another agency with more strength than yours, for me to contact regarding their harrassment, oversights and just plain ignorance of the federal laws. If you direct me to engage a lawyer, please advise me first of an attorney general, federal or state, that would first listen to my complaint. These calls are causing me intense stress. I have been waiting on the phone now for a " customer service specialist '' from Citizen 's Bank for XXXX minutes and have told them that I am notifying your agency again. They have said at XXXX. XXXX time on XXXX XXXX, 2015 that they are " escalating the call ''. I am asking your agency to intervene and help me before, at my age of XXXX, I suffer XXXX from the stress they are putting me under.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 Experian has failed to provide me the method of validation for XXXX XXXX XXXX. They have repeatedly ignored my request into a proper investigation as to the accuracy of this account. They have stated the account as validated & accurate. Ive asked for the method of validation on how they are reporting a collections with a past due balance as accurate. This is illegal reporting
Product: Debt collection

I paid this account in full. The creditor agreed to delete once paid in full.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a previous complaint on a missing $ XXXX principal payment that was cashed and wired from XXXX XXXX to Shellpoint. This was closed without fully resolving my issue stated in my original complaint. My funds was located after more than 2 months of raising this issue. Shellpoint claims that no identifying information was provided in the wire which is false as XXXX XXXX has provided a wire confirmation receipt to me showing my last name was listed in the wire. Wire confirmation receipt found in page XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  ). 

The current issue is that Shellpoint applied my located $ XXXX principal payment on XX/XX/XXXX the day they located my funds vs when it should have been applied and forwarded this incorrect payment history to XXXX my new servicer which my loan was re-sold to. I have repeated provided documentation to Shellpoint that this principal payment should been applied on XX/XX/XXXX and was promised that my principal / loan balance payment history would be updated for the XXXX, XXXX, and XXXX payments I made to Shellpoint once the funds were located. Shellpoint has closed my complaint/case after forwarding my located funds ( which took over 2 months ) and provided my new servicer incorrect payment history which is impacting my loan balance/history with the new servicer. 

I am attaching XXXX XXXX 's payment history/confirmation with further documentation that states it should have been applied on XX/XX/XXXX. Please refer to page XXXX ( " XXXX XXXX XXXXXXXX XXXX XXXX '' ). The current Shellpoint payment history is incorrect which I am attaching as reference. I need an updated correct payment history for my tax records and also sent to XXXX to aid them in correcting my loan balance moving forward. XXXX states Shellpoint wired them the located funds without providing additional documentation required for them to know how to process the $ XXXX payment.
Product: Checking or savings account

On XX/XX/2021 XXXX unauthorized transactions were made using my account data at a gas station. When I saw the charges, I immediately called WELLS FARGO and the person I spoke to agreed that the charges ( totaling {$150.00} ) were suspicious since we were in a different city at the time of the unauthorized transactions, and because the amount of gas purchased was abnormal. I received a provisional credit of {$150.00} and considered the issue resolved. 
XXXX months later, I received a letter from WELLS FARGO informing me that the credit was being REVERSED. I was told that I needed to PROVE that I did not make the transactions in question in order to receive the credit. I was shocked at this response. 
I called the gas station listed next to the fraudulent charges, and XXXX, the XXXX of the XXXX XXXX was able to determine that the XXXX transactions in question were made using XXXX DIFFERENT PUMS, XXXX MINUTES APART. She agreed with me that my account information must have been used fraudulently and said it would be PHYSICALLY IMPOSSIBLE for me to pump the amount of gas from those purchases in my car. Also, after learning the time and day the gas transactions were made, I reasoned that it would make no sense for me to have driven to a different city to pump gas when the shopping center I was in that day, and where I made purchases that day, had an identical gas station. 
I contacted WELLS FARGO with this information, reiterating that those gas station purchases were NOT mine. The final response from WELLS FARGO was that I had no recourse in my claim because the transactions were a chip card read, which, they said, proved that I made the gas station purchases.
Product: Credit card

In XXXX, when my account was charged off, I never received a 1099c form. Even though I have paid off less than the full amount owed, the IRS still considers charge off accounts as income that must be reported. Despite sending multiple letters, I have not received a response.