23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX and XX/XX/XXXX my credit card payment was due but I was not home ( XXXX ). Coincidentally, a friend that I was visiting was mailing in their Capital One payment at the time I was there so I thought it would be wise to place my payment in their envelope as I did n't have my bill there with me. Logging in to the site in XXXX was different so I was unable to access online while there. For whatever reason the payments did not post to my account. I thought I had taken care of this months ago but as I sit here today my credit reports still reflect XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. Previously a representative had agreed to send a request to remove. There was no way for me to know that Capital One payments may be processed by a Lockbox or machine. I assumed someone would physically look at the check and apply it to the correct account number. The amounts due were so small it did n't seem like it could be so detrimental as it has become. I will never mail my payment in again that way. I have been trying to get this resolved but I am getting the inadvertent run around. One person agrees to remove and then the next person decides not to. Although this is a complaint I am not here to bash Capital One. In my opinion Capital One is the most customer friendly bank there is, XXXX to none. Usually, I would even say the majority of the time the Customer Service is top notch. I am actually considering using the Capital One vehicle financing program and would consider and refer it to friends and family depending on how that goes. I am a good customer and I even follow Capital One on XXXX. However, getting someone to listen, understand, and act on my account error has been almost impossible. Today, XX/XX/XXXX I was told by a Capital One representative by the name of XXXX at about XXXX PM that the FCRA states that they can not change the information even if due to a processing error. I have read through the FCRA and I did not read that anywhere. The account is closed and paid in full but this mistake in which I had every intention to not happen happened and I am being penalized exponentially because of this. I requested statement copies last weekend of my XX/XX/XXXX and XX/XX/XXXX statements and instead received a letter stating the information could not be furnished because the account is closed and has a zero balance along with the XX/XX/XXXX statement. A clear indication that mistakes do happen but in this situation I am the only one being severely punished. To make matters worse the letter gives 4 key points as to why credit counts which I am aware of. I am a spouse, father, son and many people are depending on me so my credit is important. How can I tell my family college financing options may be limited because of a {$25.00} payment being processed incorrectly. This is n't fair to me, this is n't fair to my children. Please understand. Please help. The account is paid in full, there is no risk anymore. Thank you.
Product: Mortgage

CONSUMER PROTECTION COMPLAINT : XXXX XXXX XXXX I am writing this complaint because I do not know what else to do.can someone please help! Recent events in my life such as the XXXX of my mother ( buried her XXXX XXXX ) ; the accidental XXXX of my brother ( buried him XXXX XXXX ) and now the threat of the loss of our home and/or being homeless, the mortgage company sent letters to inform me we owe {$16000.00} escrow payment and a balloon payment of {$240000.00}, which leaves me completely in shock. I share this home with my daughter, who pays 92 % of the mortgage, and I am a senior over XXXX trying to survive on my social security benefits. A year ago there was not even a hint that we would be faced this type demand. I called a few weeks ago requesting an explanation why this is happening but I have not received an explanation. Please, please, please can someone help us because I do not believe I can survive another major loss? Our mortgage payments are presently current ; however, we do not have the type of money this mortgage company is asking us to pay. More than a year ago the mortgage denied our request for a loan modification. It is extremely disturbing to try to understand why the mortgage company is being so aggressive now. We requested this mortgage modification because of the pending increases from 2 % to 4.6 % in our mortgage. My fixed income from Social Security is {$940.00} per month ; my primary caregiver is my daughter and her only source of income is her work salary of {$2900.00} net monthly income. Since that time our mortgage payments increased from {$1800.00} to {$2000.00} in XXXX increasing now to over {$2900.00}. Now with our mortgage payments increasing by {$1000.00} a month ; we will not be able to pay for our other house expenses ; utilities, gas, auto insurance, food, clothing, prescriptions, medical bills, student loan and other miscellaneous necessities. Because of the mortgage increase, there has been an extreme hardship and threatens the possible loss of our home.
Product: Debt collection

Security Credit Services continue to attempt to collect a debt that is not mine and place this debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know this account reporting with balance that they said I owe. I have no affiliation or any participation with them that is why I am trying seek help from you guys to help me resolve this by removing their reported account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX  on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX Great Lakes. Prior to filing a dispute with XXXX, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX  XXXX XXXX Great Lakes directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with XXXX. Approximately 2 months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called XXXX to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that XXXX  claims to have if not correct. It appears that XXXX is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.
Product: Student loan

My loans were previously with XXXX and were transferred to Mohela when XXXX stopped servicing student loan accounts. Everything was ok until I recently incurred about missing pay statements for XX/XX/XXXX ( XX/XX/XXXX is also missing ). I was emailed  that those payments had not be loaded but I would not receive credit toward PSLF because I was in XXXX  XXXX bankruptcy. I inquired about this in XXXX by filing a complaint through this platform and was advised certain language had to be included. My attorney then filed a motion to add that language to the bankruptcy. I was allowed to participate In PSLF after paying almost {$700.00} to add that language. Now Mohela is saying I can not participate in the PSLF program because I'm in bankruptcy. I am only 4 payments away from forgiveness. This is not ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit a couple of years ago upon an XXXX article. I received from the 3 credit bureaus confirmation of my freeze along with a code to use in the future to unfreeze my account. Fast forward to present. I contacted XXXX XXXX with info provided by them and unfroze my credit ( no problem ). I contacted XXXX, same thing, no problem. I contacted EXPERIAN, was informed I needed to mail a letter requesting my account to be unfroze. I then went to their website and was informed of the same thing. At no time was I able to talk to anyone ( ALL voice activated ). I was very, very frustrated. I then did what was ask : 1.  Mailed a letter requesting unfreeze. 2. Provided 2 forms of identification ( DRIVERS LICENSE & SS #. 3. Paid extra money for a 2 day guaranteed mailing. NEVER HEARD ANYTHING FROM THEM!!!! Waited a week, then applied for the credit card I wanted and received a letter stating couldn't process because my credit is froze!!!! I don't know what to do.
Product: Credit card

I am writing to dispute ( XXXX ) marks on my annual credit report. 
# 1. SYNCB/Chevron PLCC # XXXX I did not personally open this account but was added as an authorized user for the account. I never physically had a credit card in my possession for personal use. The primary account holder and I are not in contact with each other and to my knowledge all charges on the account had been paid in full. 
# 2. SYNCB/JC PENNY # XXXX This account was opened and kept current until XX/XX/2009, when I experienced some financial difficulties and was n't able to keep my account current. Once I was able to get some steady income, I reached out to customer support at JC Penny and nobody was able to assist with me trying to pay back the balance due.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXX XXXX - XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute inaccurate hard inquiries on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries fail to meet the accuracy standards outlined in the FCRA under 15 U.S.C . 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

Legal Violations : XXXX  15 U.S.C. 1681e ( b ) : The inclusion of inaccurate hard inquiries violates the requirement for consumer reporting agencies to ensure maximum accuracy in reporting. 
XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) : If a reinvestigation reveals that the information is inaccurate or incomplete, it must be corrected or deleted promptly, with the furnisher of the inaccurate information being notified of the changes. 
XXXX. 15 U.S.C. 1681s-2 : Data furnishers are prohibited from reporting information that is known to be inaccurate or unverifiable. 

I request that these inquiries be investigated, and if found to be inaccurate or unverified, they should be removed immediately. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ XXXX/Experian/XXXX   ], I am writing to formally dispute the inclusion of multiple inaccurate and unauthorized accounts on my credit report. Specifically : 1. An account reported by XXXX XXXX XXXX ( XXXX ) regarding a vehicle loan. 
2. An account reported by XXXX Bank, which I have never had any dealings with. 

I have never opened an account with either XXXX XXXX XXXX or XXXX XXXX, nor have I had any financial transactions or agreements with these institutions. The reporting of these accounts is false, unverifiable, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

As per the FCRA, you are required to ensure all information on my credit report is accurate and verifiable. Failure to do so constitutes a direct violation of federal law. These accounts can not be verified because they are fraudulent and do not belong to me.

Demands : 1. Remove these accounts from my credit report immediately and ensure no further reporting from these institutions regarding these accounts.

2. Provide written confirmation of the removal of these accounts within three ( 3 ) days of receiving this letter. 
3. Cease reporting any negative or unauthorized information about me from XXXX XXXX XXXX, XXXX XXXX, or any related entities. 

Failure to act within the specified timeframe will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

I have attached a copy of my credit report highlighting the disputed accounts for your reference, along with the required proof of my identity, including a government-issued ID and utility bill. 

Please treat this correspondence as a formal and urgent dispute. I expect a resolution within the next three ( 3 ) business days to avoid further action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Hello I have a credit card with USAA fsb and it was discharged and closed back in XXXX. I could no longer use the account as it had been charged off. I have been charged interest fees for advances and fees related to purchases since XXXX and have not been able to use the account since XXXX. I called and argued that since the account had been closed and charged off that I should not be charged these additional fees because Im no longer using the account. I dont believe this is the accurate practice for charged off credit cards.
Product: Debt collection

This has been going on since 2007 and is currently going on now. This has been going on for over 14 years. I owed a debt for a XXXX XXXX XXXX XXXX that I VOLUNTARILY TURNED BACK INTO XXXX. XXXX XXXX THEN turned it over to PORTFOLIO RECOVERY ASSOCIATES. These people have harrassed me on my mother 's phone which she passed away from XXXX XXXX. They have repeatedly sent letters. Recently, some lady called me and read me all of my information including my whole SS # and also told me she worked for law enforcement and that they are suing me in the county in which I live in GA. She was very RUDE, OBNOXIOUS, BELLIGERENT TO ME, CUSSING ME OUT, CALLING ME A LIAR, THREATENING ME AND THEN SHE STARTED YELLING AT ME AND HUNG UP IN MY FACE. I HAVE SINCE BLOCKED EVERY NUMBER I CAN THAT I KNOW IS HER WHEN I HEAR HER VOICE. I asked her several times to stop talking to me like she is crazy and she tells me that she is taking out a warrant on me as well.
Product: Checking or savings account

On XXXX  my card was stolen the next day i made a report they denied my refund
Product: Credit card

I have a late payment on my report from XXXX 2021. Late payments should be removed after 24 months and it's been 25 months
Product: Checking or savings account

On the morning of XXXX my purse was stolen from my car at XXXX XXXX I went into my apartment at this exact time and forgot to lock my car. 
I preceded to get ready for work. I got into my car at XXXX XXXX. and noticed my purse missing. I went back into my apartment and thought I must have misplaced it. My lunch purse was also missing but, again I thought I misplaced them. 
I went to work and thought nothing of it until I checked my online account at XXXX XXXX. 
I told my boss I had to leave and immediately reported this theft to the XXXX XXXX Police Department. I spoke with XXXX XXXX XXXX. He wrote up an Affidavit of Unauthorized Use of Financial Card which was notarized by XXXX XXXX XXXX on XX/XX/XXXX. 
I assumed XXXX XXXX faxed over a copy of the police report. Wells Fargo never received this. 
When I checked my account I immediately noticed fraudulent activity. 
An {$1000.00} withdrawal was taken from an ATM on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM id XXXX XXXX XXXX. 

In addition, on XXXX {$310.00} XXXX XXXX XXXX XXXX. FL XXXX card XXXX. On XXXX {$130.00} XXXX XXXX XXXX purchase XXXX {$100.00} XXXX XXXX purchase  XXXX {$20.00} XXXX XXXX purchase XXXX {$7.00} I called Wells Fargo and gave them the both claim i.d.s that XXXX XXXX XXXX from XXXX XXXX. XXXX Police department gave me as well as his personal phone number. 
Wells Fargo gave me a provisional credit of {$1000.00} on XXXX. They also gave me provisional credit of {$670.00} on XXXX. No-one told me this was provisional. 
Then on XX/XX/XXXX Wells Fargo decided to do a card reversal of {$1600.00} as they noted this case was not fraud. 
Even though they negligently included a {$5.00} purchase from XXXX XXXX on XXXX which is a purchase I made. 
In addition no-one from Wells Fargo informed me to ad my claim number to the police report and I wasn't aware XXXX XXXX didn't fax this over to Wells Fargo XXXX 
I just emailed them the police report tonight at XXXX XXXX. standard time and no-one told me to fax them the affidavit of unauthorized use of a financial card which I will do in the morning. 
I will refax a copy of the affidavit along with the police report. 
This is exhausting! 
Is this the United States of America, when XXXX  XXXX and financial crimes are not prosecuted? Wow The suspects have more rights than the victims. 
Yes I am a woman and I have been treated unfairly. I am also a single mother and this large financial hit is unbelievable. 
I am going to follow up with Wells Fargo by speaking with a supervisor to resolve this issue after faxing all documentation. 
Thank You!
Product: Debt collection

I wish I could click more than XXXX item above that is an issue, instead I will list them here. 
Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. 

They are trying to collect on a debt I DO NOT OWE. My credit is clean. I do not owe XXXX. I contacted XXXX XXXX Services and they said they have no idea what XXXX or Asset Recovery are speaking of. My account is up to date and paid adn has been. 

XXXX/Asset is also saying that there is a lawsuit against me and they are going to inform my employer and I will be fired. I have been cursed at, yelled at and threatened day and night. It 's not stopping and now it 's at my place of my employment when I 've asked them to stop. 

This is a horrible horrible business and it seems there is no recourse.
Product: Vehicle loan or lease

I purchased a vehicle with Sensible Auto as the finance company. I was given an online account for which I view my account, billing statements, etc. My payments were to be bi-weekly and after 2 billing cycles eligible for monthly payments ( which I was ok with ). I made 2 payments XX/XX/2022 and XX/XX/2022. After making those payments the system reflected I did not have another payment due until XX/XX/2022. The section where future payments due was missing from my account and the only section visible or accessible was the receipts, Home Screen which includes a link for payments and due dates. I was delighted as I thought maybe in putting the deal together there was a break in payment or what have you. I receive a call from a representative on Monday XX/XX/2022 asking about a missed payment. I verified my account and went on to explain to the gentlemen the account stated I didnt have another payment due until XX/XX/2022 which he agreed was correct. I then asked why he is questioning a missed payment when there was none due according to the account and he said he agreed with what the account is showing but I owed the payment. I asked him if he could show me within my account I missed a payment I would be willing to listen but as he stated before he couldnt so it went back and forth like this for a minute or two and we parted ways. 
Today XX/XX/2022 I receive a call from Sensible Auto and pressed 1 for a representative and was sent to voicemail. I called back 15 minutes later and was connected to a representative who verified all of my information. We again went over the SAME EXACT information and again went back and forth. No explanation as to why my account had no future payments as it did in the past and why the payment date still reflects XX/XX/2022. After a heated exchange or two he could not give me a definitive answer ( he gave me four or five different excuses for why it COULD BE ) but not explaining why I should pay {$210.00} that my account doesnt reflect me owing! He then kept asking me to email me documentation. Which I have NEVER received a bill via email nor a request to speak with them via email. I asked why this documentation wasnt made available to me prior to today or at the very LEAST Monday when I was first contacted by another representative. Again no response. I declined to accept the email and have not opened the email sent by Sensible Auto.
Product: Mortgage

I and my wife refinanced our home through XXXX XXXX XXXX XXXX The loan was subsequently sold to Freedom Mortgage and it is going to be a nightmare to get them to process the final damage payment from XXXX XXXX. The work has been done, the contractor paid and we just need their endorsement to finally get this settled. 

Today I was sent a letter dated XX/XX/XXXX demanding all kinds of information that I cant provide. This is the first time we have been asked for all this information and it was dated two weeks ago and just received today. We are fully paid up until XX/XX/XXXX. I have a credit rating of XXXX 

It is my belief that Freedom Mortgage is DELIBERATELY foot dragging to force us out of our low interest loan. There is no other discernible reason I can fathom. We have a flawless credit history. 

I see also that Freedom Mortgage has had their XXXX  certification revoked as well. In no case would I ever recommend their financial services. From CFPB of XX/XX/XXXX alleged that mortgage loan data submitted by Freedom in XXXX also contained widespread errors across multiple data fields that not only violates HMDA and Regulation C, its implementing regulation, but that the company also violated the XXXX consent order and the Consumer Financial Protection Act of 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a balance with XXXX last year and it went to collections. I realized this when I got my credit score and subsequently paid off the amount of XXXX dollars in XX/XX/2017. However the collection still shows on my credit score and it affecting the score.