23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2024, I made a payment to my Capital One credit card # XXXX for {$180.00} to pay off the balance of the card. I continued using the card with the knowledge that I thought I now had a {$0.00} balance in the account. 

I was unaware that I accidentally used my old savings account routing and transit account number to make the payment. There wasn't a sufficient balance in that account to make the payment. As a result, the payment was declined by my bank for insufficient funds. 

After a few days, on XX/XX/XXXX, I noticed that the payment had not come out of my account, so I checked my card account. I was confused to find that my payment had been returned on XX/XX/XXXX because I thought the money was going to be taken out of my checking account. Instead of calling my bank, I tried to submit the payment again. The payment was then returned again on XX/XX/XXXX. 

On XX/XX/XXXX, I decided to try and send in a small payment ( regular payment ) to see if that would work. A couple of days later, I noticed that my card balance was above the approved limit of {$200.00} because of the returned payment ( XXXX ) and new charges. I made another {$30.00} payment to bring the balance below {$200.00}. 

On XX/XX/XXXX, I finally decided to check with my bank. It was then that I discovered that I was using the wrong account. Therefore, I went online and corrected the error and made the XXXX payments again. As of today, the balance in my card account is now {$190.00}, below the allowed limit. 

On XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX regarding the account stating that the account had been closed because, " activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' I called the number on the letter and talked with representative XXXX ( employee # XXXX ). He told me that I had to be transferred to the Fraud Department to resolve the issue, so he transferred me to XXXX ( employee # XXXX ) in the Fraud Department. XXXX told me that the account was closed automatically because the balance went above the credit card limit. Had the payments been made correctly, this would not have been an issue. 

She told me that because of the circumstances, I would be able to go online and reapply for a new secured card and it would be approved. I did that and it was declined. Although I agree that the mistake was mine, I am concerned that my account was closed without any attempts by Capital One to contact me to resolve the issue first.
Product: Vehicle loan or lease

I financed a vehicle with Ally Financial and paid it off 10 years ago. I recently tried to sell the vehicle and the DMV informed me that Ally Financial still had a lien on it. I have talked to t

hem 6 or 7 times for the past 4 weeks and they haven't been able to find a solution, they keep asking me to contact different departments after spending hours with them on the phone and they have even hung up on me once after I demanded an email address so I could send the request in writing since calling them multiple times had not resolved the issue. I also asked to speak to a supervisor multiple times and there was never one available.

ON THE NEXT PAGE THE SYSTEM ASKS FOR AN ACCOUNT NUMBER. I DON'T HAVE AN ACCOUNT NUMBER BECAUSE THE CAR WAS PAID OFF 10 YEARS AGO. THEY CAN'T EVEN FIND ME WITH MY SSN. I WILL PROVIDE THE REFERENCE NUMBER THEY GAVE ME WHEN I CONTACT THEM.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged.

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Inaccurate Late Payment Remarks : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX
Product: Debt collection

Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work.
Product: Debt collection

Received collection letter from Receivable Mgmt Group regarding debt that was already paid by health insurance
Product: Debt collection

I had a XXXX  early XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX, where I requested the coverage be confirmed prior to my appointment. I was told it was covered. I had my appointment, and was then told it wasn't covered. I emailed XX/XX/XXXX for them to re-file with my insurance. It was denied. I then called to speak to the billing manager, as I was told by someone in the office that I had a credit on my account from a previous overpayment from insurance. The billing manager told me the previous person was incorrect, and they were just going to keep the overpayment from the insurance and it wouldn't be credited toward my account. I asked that they re-file the claim with XXXX XXXX, referencing the fact that I break my back fillings often and that's why we went with a stronger option, and in lieu of that, since they received the overpayment, that they waive the balance on my most recent filling. I was told I would be contacted if there were any issues. I moved overseas with the military and was not contacted until nearly one year later - XX/XX/XXXX. I sent an email on XXXX with no response, stating I thought it was waived, why is this coming up? There was no response. I reached out on XX/XX/XXXX, and again no response. This is a failure on their part, and is not something that should still be pursued on their part. At this point, it seems like they are discriminating against the military - waiting until I am gone for an extended period of time and have little access to the stateside resources I would have once been able to access in order to help resolve this.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Did applied for well forgo credit card in XXXXSomeone did this without my consent which is theft and fraud. This needs to be removed from my credit report immediately. The account # on my credit report is XXXX.
Product: Debt collection

" I requested an accounting of the alleged debt multiple times under UCC 9-210, its state law equivalent, TILA ( 15 U.S.C. 1639 ), and FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), but the lender refused to provide it, violating UCC 1-304 ( good faith obligation ), UCC 1-201 ( 20 ) ( failure to prove consideration ), federal and state law, GAAP, and their contractual duty of good faith, meaning they can not legally collect, report the account, or enforce a security interest while the account remains in dispute and unverified ; yet, they continue to demand payments, constituting unjust enrichment. ''
Product: Mortgage

My mortgage is through Loancare LLC, I have never been able to stay a float as a home owner due to many different reasons, XXXX switching jobs, getting hurt at work, XXXX. Currently I am behind, I switched jobs twice and was off work and didn't have income for a month. So as of now I need to make payments and they deny me being able to make one. They want multiple payments up front. So your constantly fighting them, and getting behind on other things. They won't accept partials to go towards a payment. How is this ok?? Why is this ok?
Product: Credit card or prepaid card

Dear Sir or Madam, My name is XXXX XXXX ; I need assistance from your office at this time to resolve an complaint with TD Bank. On XX/XX/2023 I discovered my secured credit card account have unauthorized overdraft charges from XXXX XXXX XXXX over XXXX. The secured credit card limit was only {$500.00} dollars. I filed a dispute and requested the charges to be denied and removed from my credit card account. 
My requests were denied. 
Nevertheless, my account should have never been charged in an amount almost 4 times over the credit limit. I should have been contacted by their fraud department for suspicious activity. They refused to take accountability for their error. 
At this time, I'm requesting my {$500.00} deposit to be returned immediately. 
I am no longer doing business with TD Bank. My verified charges was paid in full and account closed. 
Thank you in advance for your assistance in this matter. I will govern myself accordingly. 
Sincerely, XXXX XXXX - This message was sent from a mobile device. Please excuse errors.
Product: Credit card

Subject : Complaint Against Chase Bank for Inadequate Investigation of Dispute Claim ID : XXXX Dear CFPB, I am writing to file a formal complaint against Chase Bank regarding their handling of my dispute claim ID : XXXX. I firmly believe that Chase did not conduct due diligence in this matter and has failed to comply with the Fair Credit Billing Act ( FCBA ). 

On XX/XX/year>, I submitted a dispute regarding a charge on my Chase account for services, not merchandise. Despite providing all necessary documentation, I received a letter from Chase on XX/XX/year>, stating : " Based on the information available, we found that the merchandise was provided, and you didn't return it or make arrangements for the merchant to pick it up. We can't confirm that you're due a credit because the merchandise was not returned to the merchant. '' This response is incorrect and reflects a gross mishandling of my dispute. I paid for services, not merchandise, and Chase 's investigation was clearly flawed. 

On XX/XX/year>, I spoke with XXXX, who identified herself as a manager from the Chase disputes team. XXXX admitted that Chase had made an error in the investigation. Despite this admission, Chase has not taken the necessary steps to rectify the situation or provide a detailed explanation of their investigation process. 

Additionally, I am deeply concerned that Chase 's investigation was concluded in less than 48 hours after receiving my dispute documentation. This timeframe does not constitute a thorough investigation, as required by the FCBA. It is evident that Chase did not take the time to properly review my claim and supporting evidence. 

As per the Fair Credit Billing Act ( 15 U.S. Code 1666 ), I have the right to request information regarding the investigation of my dispute. Specifically, I am entitled to : A detailed explanation of the steps Chase took to determine that the merchandise was provided. 
The evidence reviewed to conclude that I did not return the merchandise or make arrangements for the merchant to pick it up. 
Confirmation that the investigation complied with the FCBA requirements for a reasonable investigation. 
I demand that Chase provide this information promptly and admit to the error made in handling my dispute. Furthermore, I request the Consumer Financial Protection Bureau to conduct an independent investigation into Chase 's practices regarding dispute investigations. It is crucial that consumers are protected from such negligence and that financial institutions are held accountable for their actions. 

Thank you for your attention to this serious matter. I look forward to your prompt response and the initiation of an investigation by the CFPB. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX
Product: Money transfer, virtual currency, or money service

I received an email from XXXX XXXX ( Senior Customer Service Specialist ) on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ) ; stating an account review and withdrawals are disabled on my account. I referenced that I completed my KYC ( Know Your Customer ) when first creating my account. Never got a response on why my account was locked, but sent in the requested documents through an unencrypted email to their XXXX ( XXXX ) software, which seems like a HIPPA violation. The first email attached, was the last that I heard from XXXX or another employee from XXXX.US. During this time, I had another issue with an ACH deposit and created a ticket on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ). 

After receiving no response on both tickets, I went to social media ( XXXX  and XXXX ) and posted my issues with their customer service. A customer service rep with the username XXXX escalated both tickets. The other email attached, is from the response I got from XXXX. They helped resolve ticket XXXX, and commented on my other ticket ( XXXX ) " As for your other ticket, I'll escalate this over to our onboarding department for further review. There's no reason for you to wait that long. Please hold tight. '' It is now XX/XX/XXXX ; a total of 3 months and 26 days of no responses, reasoning or resolution on ticket XXXX. My account is still locked under " Risk Management '', and around {$3200.00} is still locked on their exchange. I am at the point of being absolutely disgusted with this company/exchange on how they are doing this. I want my account unlocked, so I can move my funds over to other cryptocurrency wallets and I will never be using this exchange again.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to XXXX, Experian, and XXXX. All of my disputes have been left unanswered. This is a direct violation of my rights under FCRA. I have attached the letters that I have sent to all three Bureaus. CFPB please assist me in fixing my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Product: Debt collection

This is not my debt. Initially, I received notification pertaining to five separate accounts from Midland Collection agency/Midland Credit Management. For each of these, I sent letters to MCM requesting GAAP debt validation. I never received any documentation in response to any of my five separate debt validation requests requesting GAAP, which in researching this company further with the XXXX XXXX XXXX, seems to be a common practice for this company to not respond to debt validation requests. Despite not following FCRA laws, they have continued to make collection efforts, including reporting this to the credit bureaus, which they are not legally allowed to do without proper validation/GAAP.. I recently disputed this with XXXX. In response, Midland MCM responded to them and said this debt is valid and sent me paperwork which is just their own claims that I owe this debt, no paperwork showing they have any authority to collect this debt or that I ever owed this debt to the original creditor in the first place, there is no documentation from the original creditor at all to support that this debt is mine or that this debt ever truly existed or that this amount is accurate and the letter I received indicated I do not have any of these original credit accounts on my credit report. It is my further understanding that a California agency XXXX has filed a lawsuit against this company for illegal collection practices such as collecting on invalid debts, never providing proof of debts, never having adequate proof of debts. 
To be clear, this is not my debt, I am not acknowledging this debt, Im asking for assistance in getting these five collection items removed from my credit reports.
Product: Money transfer, virtual currency, or money service

I've tried to open an account with XXXX stock investment company and PNC does not allow this transaction.
Product: Debt collection

I have made over three attempts to get this company to provide me full verification of this alleged debt for {$2200.00}. I was only sent the last statement from the original creditor for {$2000.00}.
This is my last attempt for full verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX XXXX and my only employer is XXXX XXXX. 

I have no association or knowledge of XXXX XXXX 

The information is not mine and is not related to me.
Product: Payday loan, title loan, or personal loan

I took out a predatory loan they are charging 800 % APR for a {$1000.00} loan they want me to pay back {$5000.00}. They want to take out {$290.00} out of every single one of my paychecks for 8 months. I will go bankrupt. I have kids. I cant afford this. Their dashboard doesnt allow me to view or download my loan agreement,
Product: Student loan

I was approved for the new SAVE repayment plan in XXXX and received a new statement XX/XX/XXXX. On XX/XX/XXXX received message stating that I failed to renew my plan for the year. When I speak to a customer representative they can only tell me things like well this is probably what happened. I need someone to actually look at my information and tell me why my payment went from {$86.00} per month to over {$360.00} per month.
Product: Credit reporting or other personal consumer reports

I disputed multiple incorrect credit reporting with XXXX, Equifax and XXXX. I also requested proof and did not receive anything. I also requested for multiple credit inquiries to be removed because it was for one purchase depending on the category.
Product: Debt collection

I sent a letter to the creditor requesting they send me the The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount. 

The Notice of Sale when you put the vehicle up for auction. 

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. 

The original signed contact from the original creditor. 

To verify the repossession of my vehicle was done properly and I was properly notified about the vehicle being repossessed. I didn't receive all the requested information and I could have possibly made arrangements to continue ownership of the vehicle. The other person listed on the account is deceased and can no longer help to resolve these issues regarding the repossession.
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts, inquiries, and erroneous personal information posted to my report. Here is the list of items opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.