23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year> I made a {$25000.00} payment to my student loans. 

Mohela switched over to a new website and all my payments prior to XX/XX/year> were wiped from my record. 

On XX/XX/year>, I reached out to Mohela via secure messaging asking for a payment history of all my payments prior to XX/XX/year>, especially the XX/XX/XXXX payment. I sent this message : " Good morning, I'm seeing if you could help me locate a document. I am in a local state loan repayment program and I had a large payment ( {$25000.00} ) I made on XX/XX/year>. I need to show that I made that payment towards my student loans at this time. I didn't know my account would be switched over. Would you send me a document showing that loan payment history for the {$25000.00} payment on XX/XX/XXXX? It would need to include my account number and name on it as well. Right now, the only loan payment history I have is when my loans were sent to this new servicing platform and my most recent payment from XXXX. I don't have any payment history prior to XXXX available for myself. Thank you. '' They responded with this : " You are able to view your entire payment history on XXXX. If any payments are not reflecting on the payment history when viewed, please contact us and we can submit a missing payment search for the payment. If a missing payment search is needed, we will need the following : Date of Payment Sent Total Payment Amount Source of Payment Address Payment Sent To. '' On XX/XX/year> I sent this message : " The person who replied did not seem to read my original message. I do not have access to any payment history on the old Mohela website or the studentaid.gov. I gave them all the information they needed in my original message to find the payment. Please help me find that payment that isn't showing for me so I can submit to my local forgiveness program. Please don't make me run around again. The payment was made electronically from my bank at XXXX XXXX directly to Mohela. '' They responded with this : " In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. Due to the complex nature of your inquiry we need you to speak with XXXX of our Customer Service XXXX. Please call toll free at XXXX. Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX, XXXX '' On XX/XX/year> I had already spoken with a XXXX XXXX representative on the phone and they informed me my loan payment history would be sent to me. It is XX/XX/year> and it has still not been sent to me. I have been waiting 21 days for information that is rightfully mine and it seems like they are purposefully withholding it from me, and sending me around in circles to obtain it.
Product: Credit card or prepaid card

I received an Alert from XXXX XXXX that an Inquiry from Capital One hit my credit report on XX/XX/2023. I did not apply for credit with them or any other lender recently. I contacted XXXX and they instituted a Freeze to my XXXX credit report and instructed me to contact both XXXX XXXX and XXXX to do the same, which I did ; my credit report is now frozen at all three bureaus and all also have an alert to potential creditors to contact me if anyone tries to use my information. I was also told to contact Capital One and report the fraudulent activity, which I also did. The application apparently used a XXXX XXXX CA address but that was all Capital One could divulge. Capital One also informed me that I could contact FTC.Gov who would notify me of any further attempts to use my information, but that is what led me to this CFPB site. Capital One said they would investigate the application but that I could also file a report with the Police Department, which I will consider doing ... not sure how that would resolve / add to the resolution as I have not yet seen any other fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on XXXX and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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: Credit card or prepaid card

I have recently opened a credit card with Bank of America. On its website, I thought i've had setup autopay option for the card. But turned out, it was for the old closed credit card which is somehow still listed under my account ( there's no indication on the website that shows it has been closed, since the current active card and the defunct card is exactly the same type of card, it was confusing to see which is which to say the least ). Therefore the autopay didn't process correctly, and I was charged both late fee and interest charge. 

On XX/XX/XXXX, I contacted BoA. They were only able to reverse the late fee, but refused to reverse the interest charge. Although admitting have two cards w/ the same name that caused the confusion, especially when one of it is no longer active, which lead to the autopay wasn't being setup correctly. 

I've asked BoA 's technical team to finally removed the defunct card on the account to avoid any future confusion. And I have made the payment for the full balance since I have no intention to be late on payment. But BoA 's refusal on reversing the interest charge is not acceptable since it bears responsibility of the issue. 

Account information and charges is being listed in attached document.
Product: Credit reporting or other personal consumer reports

Radius Global Solutions is reporting totally inaccurate information
Product: Checking or savings account

I was a customer of Bank of America. I closed this account in 2012. I went into the Branch in XXXX XXXX XXXX  and closed my acct. a bill was coming through and I couldnt stop it so I left {$50.00} in the acct and the Bank Representative would final the close Monday. I signed everything. 
Well I also moved to XXXX. 
I dont have the acct number now because I haven't used this acct since 2012. 
So time went on and years went on and I opened another acct with another bank. No problems. 
I went to use a bank check from the new bank and the store said I had issues with a diff acct. I was suprised. I never wrote a bad check. 
I then after years got a email saying my statement was ready ... This was probably 3 years later. They said I owed almost {$700.00} because of maintenance fees and maybe overdraft fees I dont know. I never over drafted. A BoA rep also thought it was strange they kept charging me fees for years on a inactive account which to my knowledge was closed. 
I do not feel responsible for these fees and now they tell me they cant close the acct. 
I actually had {$50.00} positive balance. The bill never went through even though it was pending. 
They never sent me anything that they were gon na start maintenance fees and I never thought the acct was still open. 

Now Ive called many times and spoke to a few different people and they said they would look into it and help and get back to me and I never hear from them. The emails stopped so I thought maybe they fixed it ... I just got a new email my acct is ready to view ... I called and I get the run around. I go from one dept to another ... No help. 

I told them I dont even care to get the {$50.00} back but I dont owe these maitenence fees on a inactive supposedly closed acct. Not my fault..Bank Error I cant afford this. This isnt fair. No one will help or fix this. Its been years and It has embarrassed me with writing checks I have called many times over the last few years and they said they would get back to me and never do. 
Please help me resolve this. 
They can not keep charging someone maintenance fees on a inactive/closed acct. And then they didnt stop charging the fees after 90 or 180 days they kept charging for years. 

I do not feel I owe any of these fees. 
Please help. 
Bank of America is no help and wont remove the fees.
Product: Debt collection

I have an open dispute with Jefferson Capital System over a fraudulently opened account in my name for XXXX $ opened on XX/XX/2021. This account is not mine, please help me rectify this ongoing dispute as I have attempted multiple times to dispute this with XXXX and XXXX. Thank you
Product: Credit card or prepaid card

On XX/XX/2021 I sent and email to Kohls/CapitalOne informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Kohls/CapitalOne reflecting as an authorized user.
Product: Credit reporting or other personal consumer reports

On my credit report i have accounts still on my report that have been closed more that XXXX XXXX would like them deleted. 
sleepys officially went out of business in XXXX  i closed my account years before that and it is still visible on my credit report. 
Also My old addresses that i haven't lived at for at least 20 years are still on my experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX XXXX issued me a check in the amount of {$9700.00}, representing the funds from an account they closed on my behalf. Unfortunately, XXXX did not inform me of the account closure or the issuance of the check during the entire process. The check was dispatched on XX/XX/2023, and it arrived on XX/XX/2023. However, the delivery by XXXX went awry as the check was sent to an incorrect address. 

Regrettably, someone intercepted the check and successfully cashed it on XX/XX/2023, at TD Bank, under the name XXXX XXXX XXXX. This individual forged the check by adding " and XXXX XXXX XXXX '' after my name in the " pay to the order of '' section, and subsequently signed it for cashing ( A copy of the fake check as in item XXXX ) On XX/XX/2023, I called XXXX to ask them where my check is and they told me someone has cashed it by faking the check. 

On XX/XX/2023, I went to the XXXX  branch at XXXX, NY and spoke to XXXX XXXX. He informed me of the procedure for correcting such mistakes. I have also sent the declaration of unauthorized endorsement or altered item form ( A copy as in item 2 ) and unauthorized signature or forged item declaration ( A copy as in item 3 ) .I also have reported this incident to both XXXX  ( tracking number XXXX ) and the local police ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Detective XXXX, report number XXXX ), and they are currently conducting investigations into the matter. 

On XX/XX/XXXX, I contacted XXXX and the customer service told me they can be responsible for the loss and they were waiting for XXXX to conduct the verification on their end. However, XXXX hadn't done that to this date ( XX/XX/2023 ). 

From XX/XX/XXXX to XX/XX/2023, I kept contacting the XXXX claim team ( phone number XXXX ), they kept telling me that they hadn't received my documents, even if it's been a week from the day I filed it. They also kept giving me different responses regarding my situation, some said they received the verification request from XXXX, some said not. 

On XX/XX/XXXX, XXXX told me they have sent a request to TD Bank to issue a refund about this case. However, they told me it would take up to 90 to 120 days for TD Bank to respond. Unfortunately, I can't wait that long since I am leaving the States in this month. I sincerely asked TD Bank to reply to this request as soon as possible and refund me the money.
Product: Credit reporting

on or about XXXX XXXX, 2016 I sent a dispute letter and filed a complaint with consumer financial protection related to Experian unfair business practices, failure to verify fraudulent information and delet it completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to OCWEN asking OCWEN to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to OCWEN ( OCWEN acquired the mortgage from GMAC ). 

On XX/XX/XXXX, I submitted a claim with XXXX due to the delay in responding to my XX/XX/XXXX inquiring. OCWEN acknowledged receipt of the XX/XX/XXXX letter, but could not verify the account or information. OCWEN 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to GMAC. 

OCWEN acquired loans from GMAC and is listed on my credit report ( Attached ). I can't not accept shifting blame to GMAC. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to OCWEN 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Product: Debt collection

A collection charge showed up on my credit report that doesn't belong to me. 
I made multiple attempts to resolve and dispute with the collection agency and the credit agencies, but without success. 

The amount is : XXXX Collection agency : XXXX XXXX - phone - XXXX original creditor : XXXX XXXX - utility bill The collection agency confirmed for me that the utility bill had a different mailing address than mine. 

I have been living at an all bill paid facility for the last 9 years and i don't pay electricity nor water. 

i have no knowledge none what so ever about this collection account. Thanks
Product: Vehicle loan or lease

TEXAS LOCATION FOR NMAC LIES TO CUSTOMERS CONTINUOUSLY AND IT IS RIDUCULOUS. AN AGENT TOLD MY HUSBAND JUST YESTERDAY THAT THERE IS NO LOCATION FOR NMAC IN XXXX, TN WHEN THAT IS INDEED HEADQUARTERS AND THE LOCATION REGISTERED THROUGH THE SEC. TRUST PROPERTY WAS WRONGFULLY REPOSSESSED AND NMAC KEEPS DELAYING ANY KIND OF RESPONSE DESPITE BEING PROVIDED ALL OF THE PROOF THAT THE CONTRACT IS FRAUD. NMAC VIOLATED TILA, XXXX RULES/REGULATIONS, AND XXXX  REQUIREMENTS. THIS FRAUDULENT CONTRACT WAS NOT ORIGINATED XXXX XXXX, BUT WAS XXXX XXXX, XXXX. XXXX OPEN LOANS WERE ACTIVE AT THE SAME TIME BETWEEN NMAC AND XXXX XXXX XXXX XXXX XXXX XXXX WAS THE ALLEGED ORIGINAL CREDITOR XXXX XXXX XXXX AND WAS NOT RESCINDED BY XXXX XXXX UNTIL XX/XX/XXXX WHEN THE ALLEGED FRAUDULENT CONTRACT WITH NMAC WAS CREATED. NUMBERS AND SIGNATURES WERE FORGED, WHICH I HAVE PROOF OF AND THAT INFORMATION HAS ALREADY BEEN PROVIDED TO THE COLLECTIONS DEPARTMENT WHEN THE AGENT LIED AND SAID THE VEHICLE WAS NOT UP FOR REPOSESSION YET. THE VEHICLE WAS STOLEN FROM PRIVATE PROPERTY WITHOUT A WARRANT BY XXXX XXXX XXXX. NMAC HAS ABONDONDED THEIR FIDUCIARY DUTY COMPLETELY. EVERY GOVERNMENT ENTITY THIS HAS BEEN REPORTED TO HAS DONE NOTHING TO ASSIST MY HUSBAND AND I. WE RECEIVED A LETTER XXXX XXXX STATING THE VEHICLE WILL BE SOLD IN AN AUCTION WITH NO DATE. NMAC HAS DONE THIS XXXX TIMES ; DEMAND MONEY THE LAST DAY A PAYMENT CAN BE MADE, REPO LETTERS AFTER IT HAS ALREADY HAPPENED, AND THE MOST RECENT LETTER FOR AUCTION OF THE VEHICLE. FOR ALL WE KNOW, THEY HAVE ALREADY SOLD THE VEHICLE, AND IS LYING TO THE CFPB THAT THEY ARE DOING A FALSE INVESTIGATION TO BUY MORE TIME TO SELL THE VEHICLE THAT WAS NEVER THEIRS TO BEGIN WITH.
Product: Credit reporting or other personal consumer reports

There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review.
Product: Debt collection

This morning on XX/XX/2020 I received an update on my credit report of a new derogatory remark from a company Jefferson Capital Systems LLC whom I have never heard of. They had opened an account on XX/XX/XXXX without my knowledge stating they had bought debt from XXXX XXXX in my name to the tune of {$100.00}. I have never been contacted via mail, phone, or email by Jefferson Capital Systems LLC to make me aware that I in fact owed them any amount of money. Instead they put my account in to collections putting a negative remark on my credit report, and driving down my credit score. 

If I am correct, this goes against the Fair Debt Collection practices act subsection 808, as well as subsection 809 showing that they have to make contact with me about debt owed to them. I have contacted Jefferson Capital Systems LLC today XX/XX/2020 to speak to them about why my account with them is in collections on my credit report. They repeatedly said that what they did is within their company guidelines, and completely ignored what I had to say when I brought up the Federal Fair Debt Collection Practices Act. 

I don't see any way that shows what they did as being legal, how was I supposed to know I owed Jefferson Capital Systems LLC money if they never contacted me saying so? What they said is that if I pay the debt, the remark will be removed, however I truly believe what they did is technically against the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of a credit inquiry that appeared on my credit report. I am disputing the reporting from Flagship Credit Acceptance, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiry dated XX/XX/2022 from Flagship Credit Acceptance that I have sent correspondence regarding removal from the credit. Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency. Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system. The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe. Per the FCRA as a federally protected consumer, I have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely. I have urged Flagship Credit Acceptance, XXXX, XXXX, and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within 30 days to ensure the accuracy and fairness of my credit report.