23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint against Capital One ( XXXX XXXX XXXX ) due to inadequate customer services and unfair practices which violates the consumer financial protection act ( XXXX ). Specifically, Capital One failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ), Including Regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Vehicle loan or lease

On XX/XX/year> I made a payment of {$250.00} towards my auto loan. My normal monthly payment is {$590.00} and is usually due on the XXXX. I've made a payment of {$250.00} each week so far in XXXX on each XXXX. {$250.00} was paid on XX/XX/XXXX, {$250.00} was paid on XX/XX/XXXX and {$250.00} was paid on XX/XX/XXXX. So a total of {$750.00} has been paid so far this month. 

The auto loan servicer is Bridgecrest. Their policy is to allow for payments directly against the principal of your loan, but only if you pay them first then request an amount of {$100.00} or more to be applied towards the principal. I've successfully completed this process with them multiple times. The agent named XXXX gave pushback to this process multiple times and questioned why I would want to do this. XXXX tried to convince me to just let the overpayment of {$150.00} apply to XXXX payment instead of applying it directly to my principal. They refused to do so multiple times. They refused to speak with a lead or XXXX for help since it initially seemed like they didn't know that they were doing. Eventually it seemed like XXXX was being pressured by some company policy to be purposefully obtuse or seemingly underliterate to avoid processing a direct principal payment. 

The contact was made today via XXXX text support line. The interaction began at XXXX XXXX and ended at XXXX XXXX after XXXX attempted to misrepresent the request again. 

I stated this request in a similar manner to every other time that I've successfully done so. I've been increasing the amount of money that I've been paying towards the principal each month. It seems like I may have been flagged for interference if XXXX simply wasn't acting on their own. XXXX ended the chat after I confirmed that I would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  
Unknown un recognized un authorized inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX  XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX  XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws.  If I’m receiving her information she might also be receiving mine.  My credit score has dropped from a XXXX   to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So I’m not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.
Product: Debt collection

CRS & Associates have contacted people I didn't give them permission to contact, and left voicemails where applicable threatening penalties, court, and possible jail time. They have said that they are legally okay to contact whomever they want. When asking for an address, they gave me XXXX XXXX XXXX, XXXX, Tx, which doesn't come up on maps. This makes sense because he took a minute to tell me. Also they ONLY accept cards, nothing mailed in. 

They are extremely rude and hung up on me twice when asking basic questions.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX OF XXXX 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was XXXX and my credit profile was used by people in my family, when I was XXXX  I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a purchase at XXXX XXXX ( XXXX XXXX   XXXX, XXXX, NY, XXXX ). Just before I made the purchase the Cashier ( XXXX, XXXX, XXXX : XXXX ) asked me did I want an XXXX XXXX XXXXXXXX. I asked was this a discount card and she said it was. She began preparing the application. I answered various questions on the computer screen. When she asked for my Social Security # ( SSI # ) I became suspicious because whenever I acquired discount cards in the past I never gave my SSI #. I asked the cashier why she wanted my SS # for a discount card and this is when I discovered that she applied me for a credit card. I told her I did not want a credit card and asked her why did she tell me it was a discount card. I demanded that she cancel this application, because she misrepresented what she was applying me for. A phone call was made, I spoke to a representative at the XXXX XXXX Credit Card Department and they assured me that the application was cancelled. I also asked would they report this to the credit bureaus and she assured me that they would not because the application was not completed. A few days later, on XX/XX/XXXX, I received a credit report alert from XXXX and XXXX, indicating that XXXX XXXX had placed damaging remarks on my credit report. XXXX XXXX had reported to these Unions that I had opened and closed a credit card account, which brought my credit score down 32 points. I made  several calls to XXXX XXXX and the credit bureaus without any success.
Product: Credit card or prepaid card

On XXXX XXXX I purchased 4 Visa gift cards of {$200.00} each at my local XXXX. They were to be a XXXX present for my son and his wife who live in another state. They came for an early XXXX on XXXX XXXX and left early on XXXX XXXX. They tried to use the cards on XXXX XXXX. Three had a XXXX balance and one had a balance of {$0.00}. All four had been used at XXXX stores. One also had some online purchases on XXXX XXXX. I called the phone number on the back of the card. It said the bank was XXXX XXXX  serviced by Incomm Financial Services. They emailed a dispute form on XXXX XXXX. On XXXX XXXX I send 4 emails ( one for each card ) that included the form, copy of the receipt, copy of the card, and the transaction history. InComm emailed that they had received the dispute. On XX/XX/XXXX InComm sent an email and said they needed the receipt and copies of the cards. On XX/XX/XXXX I called and talked to both customer service and a supervisor. After a long hold time the supervisor said they needed the information I had previously sent as it was changed to another department and they could not transfer the information. She also said I would hear back with 7 business days. I emailed the information again on XX/XX/XXXX. I never heard back from them. I have called on XX/XX/XXXX, XXXX, XXXX, and XXXX. It is always the same-they are investigating and it will be another 24 to 48 hours. They received a certified letter from me on XX/XX/XXXX and still no response. All I want is my {$800.00} back by check as soon as possible. They have had my dispute since XXXX XXXX. This is a lot of money. We are retired and on a fixed income. Also since I no longer trust gift cards I want a check with a tracking number. Incomm had no customer service. It seems to me that they are putting me off by asking for the same information and always saying 24 to 48 hours, but no answer from the.
Product: Debt collection

Invalid collection placed on credit report- violation of fair debt collections act, After reviewing a copy of my most recent credit report I noticed a collection in the amount of XXXX from Capio Partners XXXX has been placed on my credit report. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Capio Partners XXXX XXXX or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Capio Partners, XXXX is a violation of the Fair Debt Collections Act. I am requesting that Capio Partners, XXXX remove this collection account from each of my credit reports.
Product: Debt collection

A representative of Municipal Services Bureau called me saying that I owed $ 1,000+ for unpaid traffic tickets and that a warrant had been issued for my arrest. When I explained that I have no unpaid traffic tickets and that in fact had not received a ticket in 8 yrs ( which had been paid off ), I was told that I still owed them money unless I provided proof of having paid off the ticket. At this point I terminated the conversation. 

Upon checking for outstanding warrants under my name on the internet, I found that there were none. I can only guess that the representatives are told to say this in effort to extort money from people. I have a feeling that what they are doing is illegal but I am not positive.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX
Product: Credit card or prepaid card

USAA forces consumers into their Pay-Ahead Program at the sole discretion of USAA. When I paid more than the minimum due USAA applied the overpayment to future minimum payments due, thus giving me a balance of {$0.00} on statements. No where on the statement does it indicate that the Pay-Ahead Program is applied or not. I called USAA to opt-out of the program and the representative said they weren't able to do so. I also tried to set-up automatic payments for the minimum due and was told that was also unavailable. The result is that if you overpay the minimum due then you will receive {$0.00} due statements for months which led me to believe it was part of the promotional program where 0 % APR until XX/XX/2021. I was enticed to believe my payments were {$0.00}. Furthermore, the overpayment wasn't applied to principal with an interest charge. I was not told I was in the Pay Ahead Program, I did not ask for it, and when I called the number to opt-out they couldn't do it. Below is language from the USAA agreement. 


Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ).
Product: Mortgage

I applied for a loan with Chase. The loan lender advised that my down payment is good and the close can be done in two ( 2 ) months at max. I locked the loan for two months ended on XXXX/XXXX/15. Many delays occurred by the bank, attorneys and title company. The bank contributed in this delays. I should be closing on XXXX XXXX, 2015. However, I received a call from the bank stating that I should pay {$3100.00} for loan extension although I responded to all there request within a day or tow. The chase underwriter and loan officer keep asking for information piece by piece and delaying the process although I keep asking please let me know if anything is needed. Chase completed the file on XXXX/XXXX/15 with a mistake from the title company that the taxes is approximately {$19000.00}. correct taxes should be XXXX. I have pointed this mistake to the loan officer. This mistake cause further delay that would be avoided if the underwriter & loan officer paid attention and compare with initial payment estimation. 
In summary this delays occurred due to : Lack of communication between the bank and the attorneys of record. 
The bank attorney has not request all info properly, as per the realtor and seller attorney. 
Many delays because of the bank was waiting for the contract to be initialed by the seller. 
The bank underwriter and loan assistant keep asking for supporting document piece by piece every week which delayed the process. I have provided all documents within a day or two at max. 
The title company delayed the title report and provided the report with mistakes that cause further delayed of the process. 
Lack of communications between bank, attorneys, & title company. 
Not responding on time to schedule for the close-out day although I expressed that I will free myself any day and anytime. 
I strongly believe that the bank contributed to some of the delay and should be responsible and waive such fee.
Product: Credit card or prepaid card

My wallet and a cell phone were stolen from my car 2 months ago. I immediately reported to credit card companies. The thief used my cards to purchase expensive items. I filed a police report soon after. There were 6 credit cards/debit cards in my wallet. All companies gave me credit back for the fraudulent usages but Bank of America Mastercard has refused to give me credit for the charges totaling {$17000.00}. They said they did not approve my claim because the charges were made " by the guarantor and/or authorized user ''. I am the only such person and I did not make the purchases nor I did not authorize such usage to anyone. I provided all necessary information including the police report. I went through this struggle with the credit card company 3 times already and they do not seem to budge and they are trying to force me to pay for the obvious fraudulent charges. I need help from your bureau.
Product: Debt collection

Midland Credit abandoned this claim after collecting payments towards balance in 2019. After 2 years Midland demanded to start collecting payments again. My banking info never changed so I dont know why they stopped collecting automatic payments. They abandoned the debt by being inactive for the length of time they were not taking payments. Midland was not in communication during those 2 years. The amount that I owe is wrong and by abandoning the account Midland should remove i from appearing on my credit report.