23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Way2go XXXX which my retirement benefits are deposited. Charge was made XXXX {$110.00} notified co XXXX. Filled out report they sent me charge was reversed. 

Thought issue was taken care of, then they debited money back out XXXX. When I contacted them found out that they used a chip card. I explained to them yet again that I still have card wasn't lost or stolen. Suggested it may have been skimmed.

Their reply was to write another letter explaining why I was disputing charge and include documentation. I only have statement which they have showing charge.

This is my 1st credit card and will be my last. They treated me like a criminal! Personally I think they should be fined or something for the way they treated me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Student loan

I have two private loans with XXXX. One of my loans has my brother as a co-signer. XX/XX/2016 I lost my job and was n't able to make the payments. I called each month to let you guys know I was n't able to make my payment. I also asked several times to be put back in deferment due to not working. I was told they did n't have any options for me. So know my two loans are in Recovery. My rep is XXXX. I feel they are not working with me. I 'm doing the best that I can and I feel they are not working with me. But, continue to tell me that my loans will be given to a lawyer or agency. I paid my monthly payments every month before I lost my job. I feel that I 'm not being treated well. Is there something that can be done? Can I be put on a payment plan vs XXXX calling every week asking for a payment? I also paid {$1300.00} over the last few weeks and I receive calls stating my loans are in recovery. I have to always tell them that I 'm working with XXXX. Then they see the notes that I am working with XXXX. I wish they would review their notes before calling me every week.
Product: Credit reporting or other personal consumer reports

I have attached the my lawyer created me the letter for XXXX XXXX XXXX, legal action will be taking away if they do not respond or making correction on my XXXX and Experian credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

Comenity / Dell has continued harassing phone calls and charging unwarranted late charges after the bill was paid in full. I have sent both hard copy and email complaints. NO response.

Subject : Erroneous Billing Please correct your billing records for my account, and purge the late payment / due payment reported to the four credit bureaus. Heres the sequence of events : Billed {$99.00} by Dell for XXXX XXXX due XXXX Mailed check for {$99.00} ( payment in full ) on XXXX Processed by Dell on XXXX Assessed a late fee which I disputed by phone. 
Late fee was credited on XXXX Comenity proceeded to assess yet another late fee of {$27.00} on XXXX, though the bill was paid in full.

Frustrated by telephone harassment, and failure of customer agents to recognize the payment in full, I closed the account on XXXX. 
Comenity has continued its harassment, even calling at XXXX XXXX on Sunday morning. 

I have attached documentation of these errors. Please remove all of the late fees, and notify the four credit bureaus of the errors. This is dreadful customer service
Product: Vehicle loan or lease

I paid of my car loan in early XXXX. I received my new car title with the lean released in late XXXX. 

My credit report still reports a balance and that the account is active. This is not the first time Ally has fallen behind in updating my loan status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a collection account listed with the comment MEDICAL, status paid without any real identifying information to allow contact with the agency to request removal or dispute. The inclusion of this " medical '' debt is causing undue harm to my credit report score and profile to lenders. I had insurance in XXXX  so I am unsure how this medical collection came to be on my credit report without giving me the opportunity to dispute. 

As a goodwill due to the sensitive nature of healthcare costs, I believe once a " medical '' account is listed as paid it should be deleted from the credit report to remove any discrimination in credit lending due to the medical collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX and XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CAPITAL ONE AUTO FINANCE. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CAPITAL ONE AUTO FINANCE for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I initiated online and over the phone disputes to all three credit bureaus XXXX, Transunion and XXXX. The following accounts are either closed or I am not responsible for the account listed. The accounts listed on my XXXX report that are unverified and shall be removed are as follows : ( US DEPARTMENT OF EDU, US DEPARTMENT OF EDU, FED LOAN SERVICING, FED LOAN SERVICING, XXXX XXXX XXXX  ). 
Accounts listed on my Transunion report that are unverified and shall be removed are as follows : ( US DEPT OF ED, US DEPT OF ED, XXXX, XXXX ). Accounts listed on my XXXX  report that are unverified and shall be removed are as follows : ( U S DEPT OF EDXXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX ). On XX/XX/XXXX, I mailed written requests to each bureau requesting to have the accounts listed above to be verified and if could not be verified to be removed. It has been 30 days and I have still yet to receive any information proving my responsibility for those accounts. I am writing to the CFPD to request that you demand each bureau to comply as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. I have also sent out letters to each bureau letting them know that i would be complaining to the CFPD XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the Equifax hack, there has been no way to contact the company after told I MAY have been involved in the breach. They have made no effort to contact me to tell me if I was or was not included.
Product: Mortgage

I have a 15 year second mortgate that I have paid to HSBC on the XXXX for the last ten years. 3 times this year, they applied the entire amount ( {$600.00} ) that I sent to the interest and charged me a late fee for not paying the principle.
Product: Credit card

I am writing to formally express my concern regarding the treatment my mother received when attempting to access support for her Goldman Sachs Apple Card account. Despite my presence as an authorized user on the apple shared credit card account, the representatives refused to assist her due to language barriers. This refusal has created unnecessary stress and frustration for both of us. 

When I requested that a representative provide translation assistance, I was met with a dismissal of my request, citing company policies. This approach not only undermines my mother 's rights as a customer but also raises concerns about compliance with federal laws regarding language access. 

Under XXXX VI of the XXXX Rights XXXX XXXX XXXX  entities that receive federal funding are prohibited from discriminating based on national origin, which includes language barriers. Furthermore, the Equal Credit Opportunity Act ( XXXX ) prohibits discrimination in credit transactions, suggesting that companies should make reasonable efforts to accommodate customers who may face language challenges. 

The inability to provide adequate assistance to my mother, despite my efforts to facilitate communication, seems contrary to these legal protections. I believe it is essential for companies like Goldman Sachs to foster an inclusive environment that accommodates all customers, regardless of their language proficiency. 

I urge your team to review this situation and consider implementing policies that ensure better support for XXXX speakers. Everyone deserves access to the services they require, and I hope to see improvements in this area moving forward. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

So someone hacked my information to my checkings and savings account. They called the bank and over the phone they transferred all my savings, {$3000.00}, into my checkings. They then proceeded to spend {$1500.00} on online purchases. One of those purchases they sent to my billing address. When I filed a complaint with my bank, they thought it was weird that the funds were transferred via a phone call and not the app since I have never done it that way before. But when investigating these fraudulent charges they deemed them to be authorized because the delivery address matched my billing address. I tried to explain to them that it wasn't me that made these purchases. I asked if they checked the phone number or email that was used to make these purchases, because I knew they would not match mine, and they told me all that mattered was the addresses matched. Then I asked about the fraudulent transfer of funds, again, because I didn't authorize it, and they told me it didn't matter because it was transferred within my account. I have never transferred money this way in the 20+ years I have been banking with them. I asked if I could her the recorded line of the transfer and I was told I would need a court order to do so. They told me the burden was now on my to prove these charges were fraudulent and that was that.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint regarding the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX CREDIT XXXX XXXX XXXX XXXX ) XXXX Balance : Balance : {$780.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the event you believe that the disputed items belong to me, I request of you to please send me copies of proof of verification or proof of ownership to support your claims. If you can not find these documents to support your claims, immediate removal of the disputed items will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SOS Group- XXXX XXXX called me to ask why I disputed the collection and I said because I have explained and confirmed with a VA representative on the phone with an SOS group that I, the patient, is not responsible for the debt. XXXX said she can't confirm I'm not responsible so I asked her the confirmation from the VA rep on the call with us said it clearly. She denied it happened and said she will continue to refile the collection. 
XX/XX/2024 XXXX XXXX Told me my collection with them is not her problem. Said I was yelling ( i XXXX XXXX XXXX XXXX can not yell ) I kept asking her to not speak over me so I could explain the process the VA has taken to try to resolve this issue. XXXX told me I need to take a manners class and said she would not help me or call me back. 
XXXX XXXX called me and told me I was a liar when I told him I spoke in a 3-way call with a VA rep and an SOS group rep. I told him I also had a 3-way call with the VA and the hospital and he kept telling me I was lying that the collections does not speak to the hospital. I tried to correct him saying I had calls between the VA and Sos and then the hospital and Va. he continued to tell me he will keep refilling the collection. The debt is not his problem. He continued to call me a liar. I asked to send him the receipt and authorization of payment and he said he doesn't want it. It's not his problem and he will keep denying the dispute to credit companies. I told him I appreciate his time and thank you for speaking to me and he said " well i don't appreciate you at all. '' And hung up on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XX/XX/XXXX To : Experian Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b 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. 

List : XXXX XXXXXXXX, XXXX, XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or gray it out. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Product: Credit card

XX/XX/year> I found out that Capital one change my Walmart credit to Silver Credit without prior knowledge. I did not receive notice nor a Silver card. They claimed they sent a notice but I never received any notice. Then I was hunged up by customer service because I requested a supervisor in this matter Another issue XX/XX/year> I called Capital one platinum card. I sent money to my account on the XXXX. I was upset that they did not clear it after I made a payment towards the card transferring from my checking account. I called customer service requesting for a supervisor and he hung up the phone on me. Because I requested a supervisor. Then a payment came in that is due on XXXX however Capital one platinum put it through but did not put through my payment on the XXXX. 

I find that Capital one customer service is not transferring calls to a supervisor refusing to resolve issues for a customer.
Product: Vehicle loan or lease

I contacted Ally Financial to request the payoff amount for my leased vehicle, as I intend to trade it in and need this information for transparency during the transaction. However, I was informed that this information can only be disclosed to a dealer. 

I expressed that having access to the payoff amount is essential for me as the lessee to ensure that any payoff figure presented by a dealer is accurate and not inflated. Denying me access to this information hinders my ability to make informed decisions regarding my lease and potential trade-in.
Product: Credit reporting or other personal consumer reports

Agency reporting outdated and or false information on my credit report.
Product: Student loan

My wife and I currently have a student loan with Navient. The loan was transferred from SalleMae to Navient back in XXXX. Since our loan has been with Navient, my wife and I have seen our loans almost double. We are currently on an income-based repayment plan which was a program we had to find ourselves and was never offered by the lender. We didn't find this program until XXXX ( according to the records of filed IBR applications on StudentLoans.gov ). We contacted Navient several times to let them know we couldn't afford to pay our student loan. Every time we called, we were told we had to pay the full balance of what was due or we would be sent to collections. When we told them we couldn't pay, we were told our only option was to go into forbearance. 

Due to the unnecessary forbearance, we have see our loans grow substantially ( My loan at the time Navient took over was {$17000.00} and it is currently at {$31000.00}. My wife 's loan was originally at {$12000.00} and it is currently at {$19000.00} ). We trusted our lender was providing honest information to us, but after seeing our loans continue to grow in size, I feel that we were misled so that Navient could make a profit off our situation.