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

I began the statement period on XX/XX/20 with a statement balance of XXXX. On XX/XX/20, I made a purchase on XXXX for {$580.00}. I was prompted with an offer to use a Citi card to qualify the purchase for 0 % APR for 24 months via a Citi Flex Plan. On XX/XX/20, I made a payment of {$300.00} to cover the previous statement balance. According to my statement ending XX/XX/20 ( due XX/XX/20 ), my flex plan balance had gone from XXXX to XXXX. With a total balance {$1000.00} categorized as standard purchases. I had made a series of returns for transactions as standard purchases throughout the XXXX period. It appears that the credit for some of these standard purchase returns were used to offset my XXXX interest balance, while new purchase continued to add to my standard purchase balance. However, multiple representatives could not confirm the cause of the reduced balance. 

On XX/XX/20, I called customer service and spoke with an account specialist who assured me the full balance of XXXX would be reinstated as a flex plan balance, and that this would occur in 3-5 business days. On XX/XX/20 ( the 5th business day ), I reached out to customer service via chat to check on the status of the balance transfer, as my payment due date was the following day and failure to transfer the balance would subject it to interest rate charges. The representative told me to check at XXXX and I would see the balance transfer. On XX/XX/20 ( my payment due date ), I received a letter dated XX/XX/20 that my balance transfer could not be reinstated without any further explanation. I subsequently called customer service again, who was unable to offer any assistance or explanation. The only solution offered was to put in a request for reinstatement, without any guarantee that it would be successful, or solution to my concern that an open balance would result in an interest charge. As a result, I had to pay off the remaining balance so as to avoid interest rate charges on this balance. 

Further, when I asked to file a complaint, the representative initially claimed that she was unable to do so. It appears she was unaware of how to complete this or who to contact, as she asked me who I would like to be transferred to. After a final request to talk to anyone who could put me in touch with compliance, she offered to transfer me to a US representative who was finally able to file a complaint. 

Without any helpful context from customer service, it appears the application of return credits can be used to offset XXXX interest balances, despite standard purchases being made in the same period. This is deceptive and manipulative, as it allows return credits to be used to offset XXXX interest balances, while standard purchase balances with high interest rates are allowed to accrue. Further, it makes it difficult for consumers as they must always pay attention to their current balance, minus their XXXX interest balance, when making returns, or risk their return credit being applied to the XXXX interest balance when standard purchase transactions will be made soon thereafter.
Product: Credit reporting

I am file a complaint against Experian credit report. Because I have submit multiple disputes with this company XXXX for reporting on my credit report. Experian did not do the proper investigation. When I called to what information they had gather to verify the error. I was told by the Experian rep that XXXX stated it was reporting correct. I asked where is the proof and none was giving to me. I did not have XXXX XXXX account. I file a complaint with fcc and XXXX on this XXXX XXXX matter and submit this Experian and they where no help on this issue. I am able provider my supporting document but but Experian and XXXX wont provide me the supporting showing that this is a valid account. I am looking for this to be investigate the right way and remove from my credit file
Product: Debt collection

Capio partners continues to send us debt collection notices in the mail and call to harass us saying we owe money to urgent specialty associates. I have talk to the billing company affiliated with them on three different occasions and they say that they did not sell them the debt and they dont even use them as a collection agency. They have also told us three separate occasions that we do not owe anything to them. We have provided this information to Capio on several occasions and they still continue to call us send us notices and harass us to send them a check in the mail. They have never been able to confirm the doctor trying to collect the debt or the service that was rendered regarding the debt. This is very concerning. We believe this is a fraud and we will not send money to anyone that just asked us for money without confirming with the doctor that we owe.
Product: Money transfers

I have accumulated, over 4 years, money orders which I have stashed in a drawer in the event I ca n't pay my necessary utility bills, were I to have no work. 

Recently, I got them out and gave one, which I had left blank, to a repairperson who took it to his bank and came back with it saying it was outdated. That 's how I discovered that all these money orders, from Amscot, which I have been saving are " outdated ''. The Amscot teller said I had to read the back, which informs people, in very small print compared to everything else printed on the money order, that there is a 1 year expiration date. I have many times over the years, in the past received checks from companies, and they had printed ON THE FRONT, in regular or larger than regular letters a " valid until ... date ''. My question is why this should not be standard for the AMSCOT vehicles as well? Put this vital information where you see it, and not hidden, as it were. Do other companies have the option to put expiration dates on the back in tiny print? 
I 'm writing because I have lost considerable value to my checks as I return them to AMSCOT.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Capital One Bank N.A. are violating a standing cease and desist order. All three companies continue to contact me and communicate with me via phone and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, my request for payment history went ignored. And now I see this company is continuing to illegally charge fees.
Product: Mortgage

Mr Cooper manages our escrow account for paying home owners insurance. The payment was due XX/XX/XXXX, and it is now XX/XX/XXXX and the payment is still not received. Our insurance company says they have not received the payment, and Mr Cooper says the payment was mailed in a lump sum check for multiple policies through the XXXXXXXX XXXX XXXX. Our insurance company gave us a courtesy extension which expires on XX/XX/XXXX. If the payment is not received by then, we either have to pay the full premium out of pocket and then wait for the payment Mr Cooper has said they have mailed twice to show up and then get refunded from the insurance company. Mr Cooper is not keeping their end of the bargain by ensuring payments are received on time. XXXX ) if mr Cooper is snailmailing payments, then there would be no tracking number. XXXX ) Insurance companies, who are quite eager to drop consumers at every possible opportunity, could just say " we didn't get the check '' and hope that people can't afford to pay the full premium out of pocket while the mortgage company and the insurance company haggle over of when or how a payment was made. Meanwhile, the consumer is left LITERALLY holding the bag. XXXX ) if Mortgage companies can opt to send lump sum payments covering multiple policies, then they should be required by CFPB to send such payments with a tracking number. This then ensures that neither the insurance company nor the mortgage company can claim to have sent a check or claim to have not received a check. This is all unacceptable, and consumers are being gouged at every possible turn from interest rates, insurace droppages and so much more. I for XXXX am XXXX XXXX XXXX of the large corporations XXXX  over consumers. This has got to stop. Mr Cooper should not be allowed to do these practices. I am filing a formal complaint because I have no proof thay they sent the payment.
Product: Checking or savings account

On XX/XX/XXXX just before XXXX XXXX, I attempted to deposit {$2600.00} in cash ( all {$100.00} bills ) at the Capital One Bank, located at XXXX XXXX XXXX in XXXX, MD. This branch is referred to by Capital One Bank as the XXXX XXXX XXXX. The cash deposit was made at the drive through ATM on the far left, nearest the bank building. I inserted my card and signed in, indicated I was making a cash deposit and, when prompted, inserted the cash. The ATM took the money into the machine. Immediately after taking the cash a yellow long narrow box appeared in the middle the screen with the message that an error had occurred but did not indicate what type of error it was. The ATM screen then went back to the sign in screen but now with a message at the top that cash and check deposits were not being accepted at this machine sorry for the inconvenience. No receipt was given because the machine had shut down. 
I immediately parked and went into the bank and spoke to a branch employee located in one of the cubicles. I asked her to check the ATM. She stated there was no one who could open the ATM and check it for my deposit. She stated she could not do that and the only was to proceed was for me to file a claim which I did. The claim is # XXXX. I was also told I would be contacted by email, my email was provided at that time. I received a letter dated XX/XX/XXXX stating they were working on my claim ( no email ). After no further communication, I called claims followup at XXXX on XX/XX/XXXX and was told that an email had been sent and the claim was denied. I did not receive an email, either in my in box or spam/junk file. I requested via phone to know what actions by the bank were performed to investigate the complaint. 
I called back a second time that day ( XXXX ) and requested to speak to a manager. The manager kept asking if I had a receipt which I did not due to the ATM closing out my transaction. She pulled up some files and stated that the video showed me at the machine as I claimed but could not verify the money deposited. She stated they would investigate further and contact me by email. I have received no communication at this writing. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my dispute was resolved and they denied my claim. This was obviously sent before my phone call. 
I believe I have followed proper protocol concerning this claim but I am not satisfied with the result which does not contain detail steps the bank took to recover my lost cash funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX {$260.00} XX/XX/XXXX
Product: Student loan

First of all Im a XXXX  and have been out of school since XXXX... I had my loan switched to several different agencies multiple times. The last loan company I recall was XXXX and was told that I was on income repayment at {$250.00} back in XXXX and that was last for 10 years. Then I see sometime in XXXX the loan was switched/sold to AES and I owe the same amount that I took out in XXXX. I feel like I have made consistent payments based on what was set-up. I have worked for several insurance companies, and I guess they are consider for profit companies. Im currently self employed/contract and work for the government. I really need to speak with someone to see what is going on with this loan. 

Thanks
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) falsely put a late fee on me a month after I moved out and my lease had ended and was paid up and sold the debt to pro collection Inc which caused a delinquent on my credit and me to lose XXXX points damaging my score. Pro collection Inc requested proof in which I sent in as well as the XXXX XXXX because in their words they lost track of all information when the property manager resigned.i have sent in proof that I moved out a week early and turned in keys I've sent proof of my new lease start date light bills last rent payment receipt for XXXX XXXX and so on both companies keep assuring me that they are going to fix it yet Pro collections keeps leaving voice mails on my phone from the number provided even though it's not the company number. Pro collection number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX
Product: Credit reporting or other personal consumer reports

The following account listed below was paid on time. Please correct and forward to me an undated copy of my credit report. I will attach my current credit report showing that you are the only credit reporting agency reporting that a late payment in XX/XX/XXXX. Your prompt attention in this matter is greatly appreciated : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I I was using PayPal. to purchase an app on the XXXX XXXX XXXX, and then they suddenly restricted my accounts, preventing me from withdrawing or sending money. They request my valid ID, bank statement, and business information, which I am unable to supply. I seek their assistance, and they advise me to compose a letter stating why I am unable to provide documents, which I have done and submitted. Then, on XX/XX/2021, they permanently restricted my account, and I am unable to communicate with them. It is affecting me a great deal as i used Paypal quite frequently, My email link to my Paypal account is XXXX XXXX
Product: Debt collection

I recently pulled a copy of my credit report and noticed this unknown creditor. I contacted them on XX/XX/2020 asking for a validation ( proof ) that the debt is mine. However, the address they reported to credit bureaus was incorrect and did not deliver properly. I then resent the letter to the correct address on XX/XX/2020 which they received on XX/XX/2020. I know they received the letter because I have receipts of their signature via certified mail. According to the Fair Credit Reporting Act, creditors are to reply in 30 days form the day they receive the dispute. Conns failed to do so. I sent them a follow up letter on XX/XX/2020 which they received on XX/XX/2020. They replied within time and asked for my social ( which was already given in my initial letter ) and account number ( which I do not have since I don't know where this account came from ). As a response I sent them a copy of my credit report and a letter explaining that I do not have that information and they did not reply yet again. In addition to them not replying, they also did not furnish the proper disclosure dispute statement. By law, creditors must notify and update a dispute disclosure to credit bureaus which states that the consumer ( myself ) is disputing the account. Creditors have 30 days to do this and they failed to update a couple of times. I am tired of complying and doing my part ( following the laws ) in resolving this issue. Conns is not being compliant and this is seriously harming my credit score. I need a response fast in order for this situation to be solved.
Product: Credit reporting or other personal consumer reports

This morning, I was surprised to see unauthorized inquiries on my credit report, with no explanation for their appearance. I hoped it was a simple browser issue and tried refreshing, but nothing changedthe inquiries remain. I need this issue resolved immediately, and I ask that my submitted documents be reviewed thoroughly to prevent any future worries.
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX  XXXX {$41.00} XXXX  XXXX   XXXX {$6700.00}
Product: Credit reporting or other personal consumer reports

Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account XXXX  Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.
Product: Mortgage

My mortgage servicer Roundpoint Mortgage has kept me on a treadmill for close to 3 years and despite sending them hundreds upon hundreds of documents over this time has never conducted a review for homeowner assistance options. I have an FHA loan insured by the government and I know that there are programs available to help me. Despite my best efforts Roundpoint has never actually considered me for any of these programs and has now set a sale date of XXXX XXXX. This is very disappointing. I served my country proudly as a XXXX XXXX XXXX for 27 years and am a veteran of the XXXX XXXX. I then worked for XXXX for 37 years and am now retired and on a fixed income. I do n't want to lose my home and feel that Roundpoint is denying access to these programs that should be made available to me. 

I have owned my home for 15 years and refinanced through XXXX XXXX in XXXX into this FHA mortgage loan. My problems began in XXXX, when my wife XXXX XXXX after a 5 year battle with XXXX. I am retired after working 37 years at XXXX and also served in the military for 27 years. I live on my pensions and SSI and with her passing I was not only emotionally devastated but the household income was literally cut in half. To make matters worse soon after my mother and then my brother XXXX XXXX as well. I was overwhelmed financially and emotionally and ended up defaulting on the mortgage. 

Shortly after that the loan was transferred to Roundpoint. I eventually got back on my feet financially and began trying to get Roundpoint to work with me to resolve the delinquent payments. Over the course of three years I have been unable to make any progress despite sending hundreds upon hundreds of financial documents to Roundpoint for review. I have the means to afford a reasonable payment and qualify for these programs but Roundpoint has continually kicked the can down the road and set a foreclosure sale date for XXXX XXXX. I have worked with an account manager who has been helpful, but I can never seem to make it to the next step. I feel that Roundpoint is purposely obstructing this process -- my financial situation is not that complicated and I have provided them every document they requested more than once. Yet Roundpoint never moves forward -- they never offered me the option of mediation through the state of New Jersey as required by state law They never provided Occupied Conveyance paperwork for me after setting the sale date. Instead they have thumbed their nose at the rules and marched towards foreclosure.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed me to make a payment arrangement with them to pay my account. And get caught up from being behind due to XXXX. I asked how this would impact my credit report. And I was told multiple times not to worry about the credit reporting. Because XXXX was giving me an accommodation. And that under the FCRA any loan modification to your original loan terms was an accommodation. And could not be reported as anything other than current.
Product: Credit reporting or other personal consumer reports

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX  XXXX