23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did Credit Card Collections for XXXX for Four years, Credit Card collections, XXXX XXXX : We had to Observe FDCPA guidelines RELIGIOUSLY with regards to Any and ALL repeat Calls to the Debtor : Anytime a call was made AFTER Already having discussed the account with a Debtor we Had to Remove the Phone number from the Dialer for SEVEN DAYS. 
If we Ignored the Calling Guidelines we were Terminated. Management Enforced these Guidelines as Federal and Applicable. My Creditor is Capital One I am Now told that these Guidelines Do Not Apply to Banks Collecting on their own debt, which is Exactly what we did for XXXX. 
I have Had Eight Calls since XX/XX/XXXX from Capital One I ALWAYS answer every call, and Discuss Both Accounts in Detail, including why I am Delinquent.- According to the FDCPA online website once contact and account discussion have taken place then the Calls are suspended for 3-7 Days. 
These Calls are being conducted by individuals who are XXXX, and sometimes the communication is difficult because of the English Language. Just because someone " Speaks '' English it Doesn't mean that They Understand English. They don't access Notes, or acknowledge previous conversations. I am Also Getting Hang Up Calls from these Two Numbers.
Product: Credit card or prepaid card

I was given a delivery date of XXXX XXXX. I never received the first card so I called customer service only for them to send me to the fraud department for a card that was never activated. I still almost in XXXX have not received my card or anything. Capital One is making it seem as though Im just getting card randomly. I am offended and I do feel XX/XX/XXXX prejudice in this situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation number : #  XXXX  I have disputed an item with credit reporting agency Equifax and I am filing this complaint because they have failed to provide me with documents they have on file that are being used to verify the information being reported. Being that they have gone far past the 30 day mark and can not verify this account, under secti on 611 ( 5 ) ( a )  of the Fair Credit Reporting Act, they are required to 'promptly delete all information that can not be verified '. Please solve this issue as soon as possible.     I appreciate it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$200.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Product: Debt collection

On XX/XX/2022 I purchased hearing aids at Sams Club. I was offered an interest free loan to be paid off within 2 years. I received a letter in the mail from Synchrony Bank on XX/XX/2022, advising me that the monthly payment would be {$120.00}. I admit that I did not read the entire letter, but thought the amount they quoted was too small to be completed in 24 months. Therefore, I took the total amount owed ( {$3800.00} ) and divided it by 24 months to determine if the amount was correct. The monthly payment to avoid the interest would be {$160.00}. Although the letter states further down that the monthly payment would not satisfy the waiver interest, many people, especially the elderly, would not go past the statement of their monthly payment and eventually would be required to pay the interest. Although this may be legal, it seems very dishonest to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have been struggling with keeping up with all the products that were open in my name. I have to check my report almost everyday because product are opened fraudulent in my name. I haver opened a dispute on this item over to month ago and today I got a alert that XXXX XXXX was reinserted back on my account I asked for a investigation on the other two account I am a XXXX vet with a limited income to hire a lawyer for services that I'm paying Transunion to protect my identity by notify my if anything is opened in my name by putting a extended fraud alert on my credit report before extending a new account but they have yet to do so. please hold these company accountable for this because If there are no consequences I t will continue to happen.
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX of XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XXXX of XXXX under the account number ( XXXX ), also attached to this company is another account number ( XXXX ) a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Student loan

I originally filed a complaint about Mohela 's handling of my XXXX loan payment terms and the lack of adhering to the Federal guidelines. I filed complaint XXXX on XX/XX/XXXX. I just received a response from CFPB with the response from Mohela which leads to even more ambiguity. Mohela 's letter dated XX/XX/XXXX states that there records show that I am on an Exceptional Discretionary Forbearance until XXXX. However, this is conflicting information with what I have received from them since I filed my complaint on XX/XX/XXXX. I have attached documentation which shows the ambiguity which still leaves me not knowing where I stand on whether I need to start making payments or if I'm in Forbearance. The timeline is listed below : XX/XX/XXXX - Received a letter dated XX/XX/XXXX stating that I was being placed on Exceptional Discretionary Forbearance from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - Received a letter dated XX/XX/XXXX stating that I was under a Processing Forbearance from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - Received a letter dated XX/XX/XXXX stating that I was under an Exceptional Discretionary Forbearance from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - Received a message from Mohela through the online inbox that my payments would be resuming on XX/XX/XXXX. Which is only a 13 day notice. 

XX/XX/XXXX - Received a letter from Mohela via CFPB complaint resolution stating that my loans were still in Exceptional Discretionary Forbearance through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that both accounts belong to me and were validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that these accounts have not been verified ( and therefore were removed ) by the other two bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet have not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681n, credit reporting agencies are obligated to ensure that all reported information is accurate and verifiable. In this case, the negative item in question has been reported across all three credit bureaus ; however, one bureau has already deleted the item, which demonstrates that it could not be verified. 

As this deletion confirms the inability to substantiate the validity of the information, it raises serious concerns regarding its accuracy on the other XXXX bureaus. Therefore, I am requesting that this item be removed from all remaining credit reports to ensure compliance with federal standards and maintain fair reporting practices. 

Please investigate the following negative items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Subject : Inquiry Regarding Finance Charges and Fees I am writing to document my phone call on XXXX, XXXX XXXX, XXXX, regarding a {$280.00} finance charge, a {$100.00} purchase, and a {$92.00} fee on my account. 

Here is the timeline and details of my transactions : XXXX. XX/XX/XXXX : Purchased furniture from XXXXXXXX XXXX XXXXXXXX XXXX using Fortiva Retail Credit. 
XXXX. XX/XX/XXXX : Returned the furniture and repurchased new items. 
XXXX. XX/XX/XXXX : Received the new furniture. 

The original purchase included a one-year interest deferment. Since there were two separate purchases, they should have two distinct interest accrual periods. 

During my call, I spoke with : - XXXX XXXX Customer Service Representative, ID XXXX ) - XXXX ( Customer Service Elevation Manager, ID XXXX ) - XXXX ( Escalation Supervisor, ID XXXX ) FOR OVER AN HOUR The representatives from Fortiva stated they did not receive information from XXXX XXXX XXXX confirming the return of the furniture, leaving the account balance at XXXX. They also mentioned that they could not obtain this information. Despite my request for them to contact XXXX XXXX directly, they refused. 

I am seeking assistance in resolving this issue as the charges on my account are incorrect due to the lack of communication between XXXXXXXX XXXX XXXX XXXXXXXX and Fortiva Retail Credit. 

Thank you for your attention to this matter. I look forward to a resolution. NO INTEREST UNTIL XX/XX/XXXX, REMOVAL OF FEES AND FRAUDULENT CHARGES. NO HELP WAS RECEIVED FOR THE XXXX  FRAUDULENT PURCHASE OR THE XXXX FEE. 

XXXX XXXX @ XXXX ON XXXX IN REGARDS TO A FEE OF XXXX DOLLARS AND XXXX FEE. 
XXXX XXXX SUPERVISOR
Product: Money transfer, virtual currency, or money service

I obtained several Digital Prepaid Visa cards [ XXXX XXXX XXXX ] through the XXXX rewards program, and all of the cards would be applied to my digital wallet via their website where I can view the cards and balances and transactions. I currently have six cards active and have been using and viewing the cards balances online. Recently I used one of the cards to a XXXX XXXX  application for XXXX. After I entered the information and XXXX accepted it. I went to log into my XXXX  account again to check my balance and was surprised to find that the card disappeared from the list of prepaid cards. If I did not specifically look for that particular card I would not have noticed it disappeared from the relatively large list of cards that I have. I am currently contacting the company regarding this but no one is picking up the phone currently. But this is a huge breach of trust a financial company can inflict upon a customer, to remove a card without any notification or clue or email, so that the customer will not notice and take action because it is not listed in their account anymore and easily unnoticed from the list of cards they currently have. Such a company can profit out of this because they will obtain all the funds on the card once it has expired in 6 months all without the customers knowledge. Such a practice must be reported and brought out to light or financial companies will take advantage of customers trust through practices such as this in which customers have no control over.
Product: Credit reporting or other personal consumer reports

I received a notice on XX/XX/2024 that a hard inquiry had been done on my XXXX account. The hard inquiry was for a new credit card. I also received emails from Chase Bank that a credit card was approved in my name. I went to a Chase Bank and told them that I did not apply for a new card. I have never had any kind of accounts with Chase Bank. I do not believe that any charges were made as I received an email from Chase Bank stating that the card would be received

in 5-7 business days. The card was approved for a credit limit of {$15000.00}. Chase Bank called their fraud depa
rtment, and the credit card has been stopped. 
I have also called XXXX and have requested a 1-year fraud alert on my account. I have also gone to my bank ( XXXX XXXX  ) to let them know what happened. I am also filing a report with my local police department. 

I have also contacted the Social Security Administration to let them know my SSN was compromised. 

My big concern is that Chase Bank had all of my pertinent information to include my name, email address, home address, and my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to Equifax, XXXX, and XXXX credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.
Product: Mortgage

After Citi refused to honor my divorce decree and a quit claim deed by ( resetting ) my loan for the remaining years .Citi instructed me to refinance the loan While they figure out what 's going on. Citi went as far as to falsely put on my credit report that I was delinquent five months which prevented other lenders, from refinancing my home. The document that the court provided does not state that I followed the instructions of the lender and submitted the document for refinancing within the time line, several time I called the underwriter and finally he stated that my paperwork was in his drawer for 60 days and he was not doing anything with it he said it should have be foreclosed on a long time ago. Keep in mind that the 7 years that I had the balloon payment, I was never late and I continued to make payments a year after the note should have been reset. I saw in there consolidation report the question was asked ( has the contested title been resolved ) Why is it contested I am the first and only title owner. Is this the reason they want me to do a modification instead of the ( reset ) when I sign the note .Does this allow them to break the law. See XXXX and supporting documentation that the courts would not allow because of the summary judgment. What are my rights as a consumer, I followed all the instructions of Citi representative who instructed me on what to do.
Product: Checking or savings account

2021 I received orders to go on XXXX while on XXXX my adoptive mothers was over my accounts and receiving fraudulent transactions notifications on my account she tried contacting navy federal credit union about these transactions which they told her she can not handle I was on XXXX so the only thing I was about to do was file identity theft due to my social security number and many other bank accounts being used after coming home my navy federal saving and checking accounts where closed and time after time I havent received any resolution as far as opening account back and navy federal reporting negative charged off account which by policy they have a no liability policy!!!!
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 3 Netspend prepaid card by mistake from XXXX. After I realized they were n't what I needed I took them back, but XXXX said they could not refund the money. I had to contact Netspend for the refund. I contacted them XX/XX/XXXX by phone to make request for refund. After I did not receive it, I contacted them by phone again on XX/XX/XXXX. I still did not receive the refund by XX/XX/XXXX and called back again. I am currently speaking with them today,XX/XX/XXXX, to get my refund but they seem to be holding my money.
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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

This is for loan number : XXXX Property address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

In XXXX I purchased a property with 20 % down and my property tax and insurance was escrowed. Since then the value of my property has increased. For the past 2 years I am trying to get Select Portfolio Servicing ( SPS ) to remove my escrow account and experiencing delays, misinformation, miscommunication, rejection, approval, and rejection again. I want to remove my escrow account because due to their miscalculation I am always experiencing payment shock, leaving me susceptible to not being able to cover my monthly obligation. They are ALWAYS incorrectly handling my payments and changing my payment amount due continuously. I believe SPS is either doing this deliberately so that I can lose my house, or it is due to their lack of knowledge and experience in the field they decided to practice in. This is predatory practice, and it is causing tremendous harm to my health, well-being and finances. Furthermore, my property tax has not increased since i bought the property. 

Here is a brief summary of what I experienced in the past XXXX years and if necessary, I am able to provide documents for everything mentioned below. 

- In XXXX I was told by SPS to submit the escrow removal request form for multiple times because they were not able to locate the previous forms I sent. 
Each time I had to call them and be on hold for hours. 
- In XXXX SPS told me to send the form escrow removal form AGAIN. Then my request was denied without explanation. When I called, no one at SPS was able to provide an explanation either. 
-In XXXX I hired a broker to review my documents and communicate with SPS to find out the reason for the denial. After few months, the third party I hired got so frustrated with SPS that they returned my funds, not wanting to deal with SPS any further. 
- Then hired second third party to reivew my documents and help me with SPS. They sent SPS letters and I received a letter providing an explanation for the denial, stating it is their right to keep my escrow account for property tax and insurance. However, SPS approved and removed my escrow account in XXXX of XXXX. 
- In XXXX of XXXX, I received a letter from SPS that they made a mistake and they will reinstate my escrow account. 
- Meanwhile, my monthly mortgage payments were/are changing, my escrow account is on negative and I am left to spend more money to hire an attorney this time to deal with SPS. 
- I spent so many hours reviewing their escrow account summary forms, calling them, trying to understand where my payments went, why i am short, why my monthly payments are increasing, but unfortunately all the employees in SPS are either very rude or unknowledgeable.