23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a Discover card offering no interest for 18 months on balance transfers. I initiated a balance transfer from XXXX XXXX of {$3500.00} to the new Discover card in XX/XX/XXXX and it took effect on my Discover card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not done and taken off my XXXX XXXX XXXX ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. XXXX XXXX did suspend the amount temporarily and states they never received the payoff from Discover. Discover has not provided the payment transmission form proving they paid XXXX XXXX and is stalling to send information. Apparently, Discover card is giving me a run around because we are not getting anywhere as it is over 6months of contacting Discover company. Please step in to help get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my written consent, Capital One has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$710.00} and further extort me and cause harm to my credit reputation. Capital One has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Capital One any written instructions to furnish any information to my consumer report. Capital One has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Capital One has failed to clarify or correct these billing errors. Capital One has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Capital One has chosen to punish me for nonrepayment of this extension of credit by closing my account. Capital One is not in compliance with 15 USC 1692e. Capital One has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX WELLS FARGO Acct No. : XXXX XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I signed a contract with XXXX XXXX XXXX  and Ally financial. I canceled the contract within the required 3 business days by email and phone with both companies. Ally continued to forward DocuSign documents emails thanking me for signing them, each time with different dates and dollar amounts. I emailed and called Ally and informed them that I was receiving signed documents, signed by XXXX XXXX XXXX ), which is not my legal name. My legal name is ( XXXX XXXX XXXX and I had not signed them. I was repeatedly told by Ally to disregard the documents. I received a credit denial letter from Ally on XX/XX/2022. On XX/XX/2022, I received a bill for {$XXXX} which is threatening to affect my credit with late payments. I have called Ally several times without success. I am an XXXX XXXX Veteran and have also reported this incident to the FBI elderly crimes unit.
Product: Credit reporting or other personal consumer reports

I send my dispute letter for this incorrect/accurate account and inquires please delete it now XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX. 
Account Number : XXXX XXXX XX/XX/XXXX {$0.00} XXXX  Account Number XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX  XXXX Account XXXX XXXX XXXX {$390.00} XXXX XXXX, XXXX
Product: Vehicle loan or lease

Last year I went to look at purchasing a new vehicle because mine had been totaled. When the dealer ran my credit they said I couldn't be financed because there was a repo on my report from capital one. I called XXXX XXXX to see what was going on XXXX I believed that my prior vehicle had been paid off. Turns out I still owed $ XXXX {$900.00}. So I made a settlement agreement and started making payments. I paid it off pretty quick so I could get another vehicle. Made my last payment around XX/XX/XXXX. A few months later capital one updated my account with the credit bureaus. So it then showed at paid/closed and I bought about vehicle in XXXX of XXXX ( the XXXX XXXX account still showed as closed/paid ). I then received an email from XXXX XXXX today stating that I owed them over {$800.00}! I called them immediately. They proceeded to tell me that my last payment ( from XXXX of last year ) had been returned 3 days after it was made! If this was the case why did they update my account with the credit bureaus months later to closed and paid? Why did they not send me one letter or email? Why did it take them a year to send me an email? If doesn't make any sense that I would make all my payments in quick succession to get it paid off and then mess up on the last payment! But to wait a year? With no letter or anything???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent written disputes via USPS mail in regards to inaccurate late payments that are currently reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these inaccurate late payments be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondence regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the late payment error reporting is impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am demanding for you to remove all late payments on the accounts listed and accurately reflect 100 % on time payment history since inception of each account or I will take further action to pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with XXXX, XXXX and Equifax credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulently opened and reported an installment loan in my name. The account was opened by XXXX on XX/XX/2020. They threatened to harass my friends and family in writing as well. The amount owed is {$4700.00}. 

Creditor contact info : XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Mortgage

In early 2012 we went through difficult financial situation and were left with XXXX income for almost 12 months. Our first priority was to keep our m mortgage paid and to keep our house during those hard times. We have been in the house for 10 years and and we have our XXXX mortgage with Wells Fargo Home Mortgage. First thing we did was to turn to our mortgage company looking for assistance and modification of our loan by lowering our rate which was 5.65 %, higher that rates in the country so we can lower our monthly payments of {$2800.00}. 
On XXXX XXXX 2012 we received a letter explaining modification process and documents needed. I also received a phone call from XXXX XXXX, Home Preservation Specialist with Wells Fargo. 
She was assigned to our case. At that time our mortgage was current - as I stated above, we have been trying to pay mortgage first and keep our house. First advise I received was that we can not qualify for modification as long as our mortgage is current. We have to be behind in order to start the process. So we, believing in good intentions of our mortgage company for 10 plus years, stopped payments. They also assured as that the process will take up to 30 days, so we will be only one or two payments behind. 
This is completely misleading and fraudulent advise!!! 
The process stretched out for 6 months, Wells Fargo claimed that they did not receive necessary documents which I was resending and resending by Fax and in XXXX XXXX, 2012 we received a letter from XXXX XXXX, that she can not help us any longer and they will start collection process. At that point, we are significantly behind our mortgage, they start talking about foreclosure so we are in panic notion. 
Meanwhile, they reported us to all credit agency, out credit become completely ruin and being in hardship it was impossible to make up all late payments. 
We continued talking to Wells Fargo, now with a manager, named XXXX XXXX, which advised to re-start modification process again. 
Left without any options, we did so and start making catches up payments toward the mortgage. It took them another 6 months to come up with agreement which denies our request because even with one income, we still can afford to pay. 
So after a year, we ended up with monthly payment of of {$3800.00} instead of {$2800.00}, same high interest rate, ruined credit history, so they make sure we are not able to qualify for any refinancing with anybody. 
I did complained to XXXX 's office of Wells Fargo, but nothing come out of that. 
So we are now in forth year of bearing consequences of bad credit, not being able to obtain any loans, credit cards, refinancing etc. 
We believe that Wells Fargo defrauded us whether this was done intentionally or out of incompetence and we are looking for compensation.
Product: Debt collection

Today I received 6 phone calls throughout the day from various phone numbers all with a XXXX area code. I looked them up on XXXX and theyre all XXXX or XXXX voice numbers. I called 2 of the numbers back and they were both debt collectors from Halstead. They were very aggressive about trying to identifying me and denied calling me 6 times. The man on the first call hung up on me when I told him calling me more than 3 times per day is an fdcpa violation. On the second phone call I asked them to stop calling me and I did not identify myself on either call. The woman on the second call told me they keep calling me because I never answer.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX  XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.
Product: Student loan

I contact US Department of education to help with XXXX XXXX loan. I talk lady name XXXX in XXXX explain to me that they could help my situation. I was told that Navient will pay off my loan with consolidate with payment of {$230.00} till XXXX and that would be all I have tp pay. I received letter in mail from Navient on XXXX XXXX, 2017 stated in the loan the loan amout from XXXX XXXX is {$35000.00} which Navient added on {>= $1,000,000} that brings my balance to {$560000.00}. I 'm confused and upset because they mislead information I would have never went to Navient company to help me with student loans. I would like to cancel my service and my first payment is not til XXXX. There has to be law suit against this company
Product: Credit card

I applied for a capital one card and they said that they couldn't approve me for some reason.
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX XXXX XXXX, I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the XXXX - XXXX XXXX. XXXX ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXXXXXX XXXX XXXX XXXXXXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


Also, XXXX  Account XXXX is reporting a debt that I do not owe. I have never been transported by the XXXX company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.
Product: Credit reporting

I have disputed all inquries on my credit report with Trans Union and have not received any response with them. Clearly outside my legal 30 day response time per FCRA.
Product: Bank account or service

Chase Business Checking, I have received a email states that my account has been overdraft. I have noticed that XXXX check has been cashed, it was an unauthorized check, a fraud transaction. I reported to claim department, I spoke with two person in claim department in 5 minutes. Both person from Claim Department told me that " under my investigation your request has been declined '', " Chase do NOT have any thing to do to recover your lost amount. Suggest you contact the check cashier, or report to police ''. At the same time, because of the Fraud transaction my account has been overdraft 3 times, get charged $ XXXX $ XXXX $ XXXX {$100.00} fee. Total loss $ XXXX $ XXXX {$800.00} with out any reason. 

Complaint : 1. How does Claim department do " investigation '' in 2.5 mins, ( 2 person 2.5 mins each ) and get a result " decline ''???? What kind of " investigation '' has been done??? It is not a " Investigation '', they just looked the account, did n't even know what happened. 
2. I had stated that the check have some problem, it has been deposit before check issuing date. It is a very obvious evidence -- -- it is a Fraud transaction. The " Investigator '' said he did not look the date, and do n't matter when the check has been issued.??? Why??? 
3. Chase refuse to refund the overdraft fee, because of the refund have a " limit '' and the fee charge to account do n't have limit. Then Chase can keep more profit from Fees.
Product: Money transfer, virtual currency, or money service

Keep getting calls about an Apple account that I do not have } being scamed in XXXX, their number they are XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Thank you for your support in handling this matter. 

My account was started XX/XX/XXXX and according to XXXX, cancelled XX/XX/XXXX. 
This is INCORRECT as I transferred ALL of my phone lines to XXXX XXXX XXXX XX/XX/XXXX. 

I have made numerous ( over 20 at least ) attempts to gather information via phone and email from XXXX Frontline Asset Strategies, and XXXX XXXX XXXX 

XXXX has given me multiple INACCURATE reasons for the collection : XXXXThey first told me that the account wasn't in my name, and therefore could not give me any information -The collection was due to an account they kept open even AFTER I transferred my phone lines ( XXXX XX/XX/XXXX ) -The collection was due to unpaid balance on a phone device -That the last bill on file was from XX/XX/XXXX for XXXX 
-That the last bill on file was from XX/XX/XXXX for XXXX -That the last service bill was from XX/XX/XXXX, and that there was a " {$100.00} for service charge, {$11.00} for late fee, equaling {$400.00} ''. 

A XXXX representative in XXXX of XXXX had assured me that the manager had assisted her in removing the erroneous information and I no longer owed anything- THEN soon after, they sent me to collections. 
I had asked for the voice recording of that call, to which they responded they do not provide those because they are only for training purposes. 

XXXX XXXX, a manager for Frontline Asset, REFUSED to give me any information on the start/end date for the collection account, or why the collection was transferred after I had submitted proof to them that I did not owe anything ( even after I explained to him that it was my right as a consumer to have information regarding a debt that was being attempted to be collected ). 

However, I appreciate those at XXXX because they have been very responsive and have helped me get in touch with XXXXXXXX multiple times. 

I asked XXXX for a year 's worth of statements, billing information, and payment information. 
I was given a generic statement stating that I owe a little over {$400.00}. 
There was NO INFORMATION on the bill statement for what the amount was in regards to or what it included. 

I have never been late or missed a phone payment, and I was told I needed to pay off both the phone device and any due debt prior to transferring my lines to XXXX XXXX XXXX. 

This collection is impacting my credit and also just causing me overall frustration and stress because I know that I do not owe any debt. 

I am attaching the statement from Credence stating that the bill service date is from XX/XX/XXXX and later- After I had already transferred all my phone lines ( shown in XXXX XXXX XXXX XXXX statment ). I am also attaching the disputes I've placed. 

After the overall dissatisfaction with my customer experience, I also began recording a few of the phone calls that took place with XXXX I have those also if needed.