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

I have a loan with CAPITAL ONE. 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  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Debt collection

Capital One Credit Card Services is using the united states mail to harass, intimidate and fraud me into paying a debt not owed by me. I demanded arbitration to resolve the matter. The company has ignored my request but insist on sending fraudulent communication to my mailing address. I do not have any agreements with Capital One. I demand that they stop sending me anything! I do not owe you a dime! You have stolen my identity and refuse to close this fraudulent account in order to keep getting paid for servicing a invalid agreement. STOP SENDING ME MAIL OR I WILL SUE!
Product: Credit card or prepaid card

Synchrony Bank Amazon Visa credit card is notorious for having an abusrd short billing cycle - the time period between when they issue their monthly bill and the due date. In the process, they constantly unfairly assess late fees {$27.00} and interest charges ( not certain of the rate, but both charges are excessive ). 

Further, Synchrony bank poorly trains their customer service representatives so poorly in their XXXX call center that USA  customers have to request to be transferred to USA call center to settle their problems. 

However, in my case, the USA representative, although more literate than the XXXX call representative, was completely inept in the property process of how to recalculate my correct balance due and instead of quoting my off the current most recent billing statement ( sent back on XX/XX/21 ), quoted me the current balance for charges on the account through today XXXXaskikng me to pay the entire balance. 

I have a superiod credit rating, have never missed a payment before with Synchrony bank and only missed the XXXX billing ( due XX/XX/21 ), becuase they never sent it via ebill to XXXX XXXX XXXX XXXXXXXX bill pay ( NOT MY PROBLEM ). And now, they want to not only be paid for their XXXX billing too ( due XX/XX/21 ) but also any charges since XX/XX/21?? Today 's date is only XX/XX/21. 

I requested the representative to provide a complete recording of my phone call with her to her XXXX and have them call me. They'll never call. Good luck if you can find a recording of the call yourself if you inquire from the CFPB.
Product: Checking or savings account

I XXXX XXXX got a letter in the mail stating that TD Bank wanted wanted to close my consumer accounts with no explaination what so ever. TD Bank stated " it was thier right to close all my accounts at thier " discretion '' sound to me like discrimination. I was the consumer that extended my credit to TD Bank to open the accounts. I attemped to call their td bank number which was XXXX attched to the correspondance that I received in the mail and it was a XXXX voice number.
Product: Vehicle loan or lease

When making payments to Mazda Financial Services ( MFS ), we can electronically submit payments ; however the company only allows for the payments to go toward interest first, then toward advanced payments. I want to make principal only payments, but to do so am required to send a paper check via USPS, which adds more than a week, effectively creating an additional cost to pay off my loan early and reduce my principal balance due. Other lenders allow debtors to select on the website how each payment should be applied. If MFSis going to accept electronic payments, they should be required to permit the debtor to select how the funds are to be applied ( provided the minimum monthly payment has been met ). 
This practice creates an undue burden and costs money to mail, and accumulated interest that is not quickly applied to the loans. They have many customers, which generates huge revenue in additional interest charges. Thank you
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. 

Please investigate the following : INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 

I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have N0 record of me?

As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Product: Debt collection

Have already explained that the debt is not mine and they continue to call and report on my credit every single week. That is harrassment.
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 XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Mortgage

On XX/XX/XXXX, Chicago Title company, in the process of maintaining and closing the escrow for a real estate transaction, tries to make the buyer pay for the " Owner 's title insurance ''. This insurance is clearly optional per CPFB. When the buyer asks the escrow to remove the owner 's title insurance, Chicago Title company threatens to over charge the consumer a " title search fee '' of XXXX, where the national average is around XXXX or slightly higher ( still < XXXX and when the buyer is paying for around XXXX for the lender 's title insurance policy already. This action / behavior is clearly out of the line, is unfair practice, and significantly in some sense forces the buyer to opt for buying the owner 's title insurance. 

Also, the title company calls buyer 's valid questions as " non sense '', and does not seem to remain neutral during the processing of the escrow. My spouse is infuriated when title company 's comments/emails were sent and viewed.
Product: Checking or savings account

In XX/XX/XXXX my bank account was fraudulently charged or hacked and over XXXX XXXX dollars was taken from me I told my bank that i did not approve the transaction it was even flagged because it was an international transaction that I have never made ever my bank apparently still allowed it to go through and denied any of my claims to get money back the company that took the money was XXXX XXXX XXXX and my bank is XXXX I have tried to appeal this transaction XXXX times and have been denied all XXXX this is all the money I had
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my XXXX credit report and noticed there was an account listed on my credit. I have no knowledge of this account. 

Between XX/XX/2023 and XX/XX/2023, your ECREDABLE.COM, LLC account balance increased by {$26.00} from {$62.00} to {$88.00}. 

I don't know where this account come from. I don't even have statements showing payments, but instead it says that my account balance increased by {$26.00}. What account are these payments being made, because I haven't made any payments. 

This has brought my credit scores down by XXXX points. 

I need this account with ECREDABLE.COM, LLC verified, I have no knowledge of this.
Product: Money transfer, virtual currency, or money service

Hello! On XX/XX/2022, I made an international wire transfer from XXXX ( XXXX ) of the XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Transfer amount XXXX USD. The payment was made for the car, but was never transferred to the recipient. When contacting my bank, I managed to find out that the money reached Bank of America ( XXXX ) and was held there for almost XXXX months without explanation. XXXX XXXX Help make this payment! Why are they holding him? How many days will it still be held and when will it be credited to the beneficiary?
Product: Debt collection

I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. I was living in California at the time and the RosenthaXXXX Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and FederaXXXX laws. 
XXXX XXXX XXXX XXXX XXXX XXXX IN EFFECT -XXXX XXXX XXXX  pledge to pay {$200.00} rental assistance for late rent and property manager refused payment -XXXX  XXXX landlord file eviction -XXXX  XXXX, XXXX XXXX XXXX XXXX Close due to LOCKDOWN, never notified of eviction. And could not file a response XXXX XXXX, court date for lock out, extended due to morotorium extention ruling for XXXX XXXX XXXX XXXX City of XXXX also enacted extension with no lockouts. 
XXXX XXXX XXXX XXXX positive for COVID test result attached XXXX ( mid month ) court hearing regarding eviction. Court rules in XXXX XXXX XXXX favor. Try to settle debt. Attached court document and breakdown of debt at that time. 
Back rent no start date to XXXX {$9400.00}. 
*Utilities~ XX/XX/XXXX ( because property manager withheld sending me bill to pay the utilities and that was brought to the courts attention ) XXXX : {$150.00} *Attorney fees {$1200.00} *Cost ( unknown ) {$360.00} XXXX XXXX : court hearing regarding lock out date. 
XXXX test positive for COVID Again. 
And provided to court.I vacate property due to thinking I would be locked out and gave notice to my property manager ( turned in keys and electric garage door opener ) and my attorney the same day. 
- Court states I will be locked out 3 days later but then reverse decision. 
Judge filed ruling XXXX XXXX regarding XXXX XXXX hearing. 
XXXX XXXX XXXX Warfield opened a collection against my credit with XXXX XXXX listed as original creditor in the amount of {$17000.00} Throughout XXXX, I have contacted the legal office of ATTORNEY XXXX XXXX AND XXXX  with no response or being put on hold for long periods of time with no productive response to settle debt. 
XXXX XXXX collection amount from Hunter Warfield {$19000.00} on my credit report to date with no contact, no written information as to how to settle the debt, complete the debt or whom to contact regarding debt collection. 
To date I have not received any notice of balance or agency to contact regarding debt issue in writing to my address of record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Transunion, XXXX and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. XXXX has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows time-barred debts to remain on a credit report way past the seven years law allows. I've requested supporting documentation regarding Transunion 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. I'm XXXX years old my credit report should reflect 34 years of credit history, instead it shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.
Product: Debt collection

I was paying a company called PMAB for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, PMAB received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me PMAB sold/merged with a company called XXXX services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for PMAB that I had for over a year, this number directed me to XXXX services. XXXX services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
XXXX services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.
Product: Debt collection

Enhanced Recovery added a collections account to my credit report on XXXX/XXXX/14. I noticed the debt on my credit when I checked it in XXXX 2014. I sent the first certified letter XXXX XXXX, 2014 and have sent multiple letters since then to this company and all 3 credit bureaus. We have sent multiple certified letters to Enhanced Recovery Company , LLC requesting verification of the debt because it is not mine. They have refused to provide proof of the debt and refuse to remove the item from the 3 credit reports.
Product: Credit reporting or other personal consumer reports

This company XXXX is reporting 2 different places on my credit report iam demanding the removal of this account. As you look you will see its 2 totally different address this is a conflict here. By law you are required to remove this.

15 USC 1681 refers to a specific section of the United States Code, which deals with consumer credit reporting. It's part of the Fair Credit Reporting Act ( FCRA ), which regulates the collection, dissemination, and use of consumer credit information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX. 
I am submitting this complaint on my own behalf. I received documentation from Bank Of America that I owe them a debt in the amount {$12000.00} Account ending in XXXX. 

I requested Bank Of America to Validate alleged Debt pursuant of 15 U.S.C 1692g I requested the following : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and Bank of America, that prove I agreed to pay the alleged amount. A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 


Bank of America received my request for validation of the alleged debt on the date of XX/XX/2022 via certified mail Please see attached documents certified mail return receipt Bank of America & Validation of Debt letter. 
Bank of America sent back the certified mail receipt with no response ( other than the receipt ). They failed to respond and provide adequate proof or validation of the alleged debt. 

Bank of America has violated my federally protected consumer rights by failing to validate the alleged debt upon request from me, the consumer. 
This account needs to be deleted from the records of Bank Of America and any /all affiliated companies records ; needs to be removed from all major credit reporting agencies. ( XXXX, XXXX, XXXX ) Thank you I appreciate your services!
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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.

This company 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

There are multiple discrepancies on my credit report. I would like them reviewed and removed as soon as possible. And for some reason, I can not log into my account online so I would request that you communicate with me via regular mail. I want paper copies. 

XXXXXXXX XXXX XXXX  {$8400.00} technically, this account was open fraudulently and does not belong to me. I would request that you produce letter of the original debt ownership. In addition to that and feel free to check with your legal department if the account has been charged off, then it's has to be considered income on my taxes and federal law prohibits income from being reported on your credit report if you don't believe me or you disagree then I would like you to show me proof of why this account shouldn't be removed immediately from my credit report. 

XXXX XXXX XXXX first of all we've asked for this account to be closed permanently. I'm not quite sure why it keeps showing. It's open one month and close the next. There should be a XXXX balance there were fraudulent charges made on the account. We reported them as quickly as we noticed, and they approved half of them and didn't approve the other half even though all the transactions were with the exact same merchant in the same time frame and fraud is the exact same issue that all of the transactions are being disputed they approved half of them and didn't approve the other half makes no sense at all. They know very well we didn't make these transactions we've explained over and over again, apparently Bank has a long history of poor customer service and has even been investigated by the United States government There are also some unauthorized inquiries on my report. I have contacted the banks directly. They agree that they were Fraudulent inquiries, but claimed that the credit reporting agencies are responsible for removing those inquiries, but feel free to call the banks individually, and they will confirm that these Inquiries do not belong to me XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also never lived at the XXXX XXXX address XXXX  Michigan Could you please remove that from my credit report? And I work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years now