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

I have been a customer of Capital one for numerous of years. Capital One mailed out credit cards to my old address. I never received the cards that Capital One mailed. I reported to Capital one that I had moved and requested for them to change my address to my new current address. I contacted Capital One to dispute the fraudulent charges on the cards. Capital One was removing money from my bank account to cover charges on the credit card. I contacted Capital One to make them aware that they were taking money each month for the credit cards that I never received. I explained to Capital One that they had mailed new credit cards to my old address and someone at the old address was using the credit cards. But I had already informed Capital One of my new address. My Capital One credit cards were set up on automatic payment draft from my bank account ending in XXXX ; I have never been late on a payment to Capital One. I dont understand how Capital One could continue to draft money from my bank account on credit cards I never received, nor have the cards. I have called Capital One numerous of times to try to resolve this problem. Capital One change the credit cards numbers and never sent me the new cards. I called Capital One to explain this to them. Capital One suspended my credit cards and trying to make me pay for credit cards that I havent never received or used. I received a bill from Capital One today in mail at my new address with a lot of interest charges as well as fraudulent charges. This is totally unfair to me, I have been a very good customer and never paid a bill late to Capital One. Capital one refuses to help me get my cards back.I had my Capital one cards set up online, Capital One deleted my account information, I have no online access to any of my card products from Capital One. This is illegal practice on Capital One behalf and I need help. I dont owe Capital One any money, they have been drafting money from my bank account for years to pay for fraudulent charges that they sent or said they sent to an old address of mine, I however called Capital One and made sure they had my current address.
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/year>. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. 

Equifax : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 to be updated. 


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 XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and explained that I have a chapter XXXX bankruptcy that was discharged XX/XX/2018. All debt on my credit report was included in the bankruptcy. I provide proof of case number XXXX. Equifax responded that there was no bankruptcy and the company says this {$200.00} bill with XXXX and XXXX is not included with a bankruptcy chapter XXXX. Not to mention when I call the customer service rep is refusing to transfer the call to a manager and stating to me several times, " I am trained to assist you with this matter. I also advised them that a company called XXXX XXXX  which is a  buy here pay here the company is reporting inaccurate information on my account. I have been making payments biweekly on the account, and they have forwarded me my payment history and Equifax is saying that they can't do anything they only report. I asked well what about protecting my rights. Equifax customer service is rude, and I recommend them to retrain or hire new people that can assist their customer. I requested them to remove XXXX XXXX off my credit report and XXXX XXXX XXXX, and all I am getting is people who are not speaking English well and taunting me and not removing this information from my report. I was unable to speak with a manager, and I was transferred to 3 supervisors who kept saying call back in 30 minutes to an hour because our systems are down and then I was told after the fourth time call back are system is updating. Equifax has had a data breach, and I don't trust this company. XXXX public schools have warned me of there data breach, so I do not trust how they do business especially since they let their customer service dispute center treat their customers anyway.I had two disputes and one was a reinvestigation which lets you know they are not doing their job.
Product: Credit card or prepaid card

Since my Citi AAdvantage account was open, it was set up on auto pay. I would always make the payment before the auto pay was scheduled which then would override the auto pay. Auto pay was set up as a safety valve. On the XX/XX/XXXX statement the due date was XX/XX/XXXX. When I logged into my account on XX/XX/XXXX to confirm the payment was through, I noticed it did not. So I manually made the payment. I then called Citi Bank to find out why the auto pay did not take place and they told me it was removed. I explained I am the only user of this card and I did not removed auto pay. The rep did n't care, what I was telling them. I also stated the late fee of {$27.00} should be removed because of a defect in their system. The call was then transferred to another rep and they were suppose to have a manager call me back, which never happened. This is a unfair practiced. Being a loyal and long time customer means nothing to them.
Product: Debt collection

contacted this company several times to advise this debt is not mine .... ask for proof to and was never contacted back.
Product: Credit card or prepaid card

Reserved a standard pickup truck from XXXX to be picked up at XXXX XXXX of the XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX for {$380.00} on XX/XX/XXXX. I called beforehand and verified it would be available at XXXX  XXXX when I landed ( was arriving shortly before midnight, on a Saturday, during peak COVID times ). When I arrived, it was not available at the terminal I reserved it at and I had to get to the other terminals parking garage with all my checked bags which took 30mins. Once there, XXXX gave me a lesser vehicle XXXX intermediate pickup truck ) but still charged the same higher price for the category I reserved. The XXXX employee also tried to add insurance that was not on the reservation which doubled the price, and XXXX employee added a surcharge that was not on my reservation. It took 15mins of arguing with the XXXX employee to remove the insurance, but they would not remove the frequent flyer surcharge. Since it was before midnight on Saturday, everywhere else was closed, and I had to drive an hour to get where I was staying that night, I had no choice but to take the closest vehicle they had available. The next day I realize it is a different category of vehicle that was lesser than what they charged me, and they clearly had not cleaned it ( despite advertising their cleaning of vehicles during COVID ). 

I sent a feedback complaint to XXXX and they never responded. I submitted a dispute to Chase who manages the credit card I used to place the reservation. They denied it without asking for any supplemental information. I appealed it and mailed supplemental information ( Chase creates arbitrary barriers like mailing the documents for disputes despite numerous tools to upload documents on their website. ). In that I sent them an invoice from XXXX clearly showing the discrepancy between the vehicle class I reserved, the vehicle class I paid for, and the vehicle class I received. I also sent photos showing the vehicle had not been cleaned ( during COVID peak times ) and a copy of XXXX company statement about their vehicle cleaning procedures. I also pointed out the surcharge added that differed from my original reservation email. They said that since I agreed to use the vehicle ( again I was in a position that I could not refuse it and could argue that I signed the agreement in duress ) that it was not a valid dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to XXXX, XXXX, and XXXX on XXXX/XXXX/XXXX regarding a collections acct that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items that I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUNion XXXX is not following the law has public information incorrect
Product: Money transfer, virtual currency, or money service

I have had complication with a bank transfer from XXXX XXXX to my Region stream line of credit. On XXXX XXXX XXXX a payment cleared and was processed. A review and or investigation was completed and payment was verified and was authorize. A pending payment did reach regions in the amount of {$34.00}. and the transfer amount was an even {$35.00}. regions has simply stated this is XXXX XXXX responsibility and to take it up with them. I did and no recovery has been made. Regions did no make my deposit of {$35.00} charging me {$35.00} for a returned check fee and {$35.00} for non payment and or late payment fee. leaving me in the negative of {$100.00} plus transfer fees and interest for tranfering other funds to make this account and to keep in good standing on my own. attached our screen shoot of each account thank you. 
XXXX XXXX
Product: Student loan

Loan was taken out under XXXX XXXX for $ XXXX in XXXX and transferred to Navient. During that time, finances were strained and payments unable to be made. Company offered only deferment, no income based repayment plan. In XXXX borrower joined the XXXX  XXXX XXXX and was XXXX XXXX. During that time we again requested assistance and were told no forgiveness was available because these loans were private loans. Borrower is now full time XXXX XXXX with the XXXX XXXX - XXXX staff out of XXXX XXXX XXXX. Navient is now telling borrower he is no longer eligible for military forbearance because XXXX XXXX XXXX are at the state level, not federal. Federal authority over XXXX XXXX members falls under Title 32 of the U.S. Code. This is considered federal XXXX XXXX for specific state missions and full-time XXXX XXXX. Borrower demanded proof of this policy from Navient and their definition of the difference and is awaiting a response. Current amount of the loan is over $ XXXX.
Product: Checking or savings account

Multiple overdraft fees consecutively since I first opened an account with you guys since XXXX when I was a kid I was taken advantage of as a minor, you guys have to be rediculous to still be doing the same things we are in XXXX thats 9 years of violating my consumer rights and privileges.
Product: Debt collection

These two accounts were opened fraudulently and a debt was reffered over to lvnv funding ( aka ressurgent ). I had filed police reports and have went thru all the proper channels. On XX/XX/23 I emailed, called in ( to gather the account numbers ) & sent certified mail to thier offices. After waiting 30 days under fcra law, I contacted them again to see if theyve recieved my letters. After explaining to the agent my situation, I was put on hold, minutes later with whispering I could clearly hear on the line from most likely a supervisor standing behind him, ( I would love this phone call pulled as I know it was recorded ) I was told they never recieved my email or certified mail, and then changed their story to saying they did get my mail, and sent me a response with proof of certification. It was fraud, I proved it with police reports, but then they still wanted me to pay the debt. My rights under fcra were violated and they never removed these accounts. Its been almost 6 months now and I need this cleared up immediately. Proof of contact and a copy of the mail I sent it is attatched.
Product: Debt collection

Told them my insurance will pay this bill repeatedly. They refuse to bill them. Plus, Im on the XXXX program. Had an issue before and they corrected it but they wont for this bill. It is now a derogatory mark on my credit report. I have disputed it 3 times now and they wont take it off. 
Orthopedic Specialist of XXXX XXXX XXXX. XX/XX/2021 XXXX Debt collector is ACCOUNT RESOLUTION CORPORATION.
Product: Checking or savings account

I have a checking and credit account with Wells Fargo. I had a full account breach where someone accessed my account, and emptied my account via wire transfer. I received a phone call from someone claiming to be a Wells Fargo rep stating there is suspicious activity. They stated that someone accessed my account and added themselves as an authorized user and turned off my alerts and activated wire transfer. This is part of the scam. They stated I would start getting emails alerts from Wells Fargo about the wire transfer and and email about suspicious activity, which popped up almost instantly. Because they were performing the wire transfer while I was on the phone. Then they stated i would start getting text messages with codes to verify my identity and needed to give her the codes. The scam was to keep my on the phone for like XXXX hours while someone impersonating my was on the phone with Wells Fargo at the same time using the codes i was reading to them to approve the wire transfer. They had access to my account during this process and Wells Fargo denied my claim stating that because myself or somebody else had access to my online account they could not give my money back
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I recently received a copy of my XXXX Credit Report, Equifax and XXXX Credit Report and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date of Late Payment - XX/XX/2023 Date of Late Payment- XX/XX/2023 Your company is in clear violation of the law. Under XXXX XXXX XXXX XXXX purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX Enclosed- copy of ID and bank statement showing proof of address.
Product: Credit card

I recently have been a victim of mail theft. The credit card was compromised due to the mail theft. The company was advised of the situation with documentation. It was found that {$1600.00} was charged to the account from the theft and never authorized. The company has refused to complete an investigation and has also refused to provide statements and documentation of the charges to myself or the law enforcement agency investigating the mail theft.
Product: Debt or credit management

On XXXX, XX/XX/year>, I was called by Freedom Debt Relief by an individual identifying himself as XXXX XXXX ( which I suspect very strongly was not his name ) claiming to represent card member services for XXXX  and XXXX. He led me to believe that someone out of state had applied for a loan in my name and that he was going to investigate this and began to confirm all of my accounts which he seemed to have in front of him. He had my Social Security number. He also gave me a case number. I became suspicious when he started asking for the XXXX codes of my cards. He tried to reassure me and was very persuasive and persistent, becoming indignant at times for my impugning his integrity. He told me that he would be blocking my accounts and that I would not be able to apply for any kind of large loan for XXXX to 8 months while they negotiated the remaining balances of my cards and that I would not have to repay these balances myself and would owe nothing. He also said he would be charging two of my cards with lawyers fees of {$9000.00} each but that this would also be forgiven. I told him that I did not understand the reason for this process and he tried to reassure me by saying that this would protect my identity by changing all of my financial information. He also said that I would need to close my bank accounts and change over to completely different banks saying it was absolutely necessary to protect my identity. I told him I did not want to do this. He then tried to pass me over to a company lawyer. I refused to speak to their lawyer and told him that I did not want him to charge my cards with any fees or anything. He then said, But this way you will be debt free. Dont you want to be debt free. It was only toward the end of the call that I was able to get him to identify the company properly. I ended the call but not before he said he would be calling back on Monday so the lawyer could talk to me. His callback number was given as XXXX. I researched the company and only then realized the true purpose of the company. I am a XXXX  XXXX  and it was hard for me to understand the agent because he had a thick accent. I have my finances under control and do not need debt relief, which is what they were trying to sign me up for. This was a blatant fraud attempt by very skillful actors posing as fraud protection. Afterwards I reported all of my cards as being compromised so that none could be accessed by this company.
Product: Debt collection

Hello, This is our 18 time writing a complaint about Ocwen Loan Servicing.

Ocwen acquired XXXX XXXX XXXX to collect debt for them. 
XXXX XXXX XXXX was not licensed in the state of Maryland. 
Ocwen were using a company unlicensed and could use any deceitful tactics to collect. 
Attorney for Ocwen XXXX XXXX has stated Ocwen legally did notting wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXXXXXX XXXX  XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$3800.00}