23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX VXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$460.00} XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$850.00} 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: Checking or savings account

I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues which may violate the electronic fund transfer act EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I had setup a payment plan in XXXX 2015 to repay back Capital One for a credit card I had. I was told that the balance was over {$1000.00}. XXXX XXXX XXXX started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with Capital One was {$500.00} so I made a call to Capital one and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}
Product: Debt collection

I am submitting this formal complaint regarding inaccurate reporting on my credit file by XXXX, XXXX, and Equifax. This issue pertains to identity theft and violations of fair credit reporting laws, specifically under 15 U.S.C. 1692g, the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I disputed several items on my credit report after discovering that my late mother had used my identity without my knowledge. She had access to my bank accounts and Social Security number, and it was only over a year after her passing that I became aware of multiple accounts opened in my name.

Some of these accounts had been previously removed from my credit report as a result of prior disputes but have since been re-added. This action contradicts fair credit repair laws and the provisions outlined in the FDCPA, particularly regarding debt validation and reporting accuracy. Additionally, debts arising from identity theft can not legally be transferred or sold to third-party collectors for reporting, further violating these statutes. 

I contacted XXXX regarding this issue and was advised to escalate the matter through this complaint process.

Accounts in Dispute : The following accounts were fraudulently opened in my name as a result of identity theft : 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 Legal Concerns : Under 15 U.S.C. 1692g, debts related to identity theft must be verified and can not legally be transferred or sold to other entities without proper validation.

The reintroduction of these disputed accounts after prior removal violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of credit data. 
The recent class-action lawsuit against XXXX further highlights systemic issues in handling disputed accounts and the need for improved compliance.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went into my XXXX XXXX XXXX Synchrony Account ( XXXX ) to pay my bill. I noticed that, although I had made the payment last month, there were still late fees even though my bill is due on the XXXX of the month and this was the XXXX. At this point, I contacted customer service via instant chat, and was told there was no late fee. When asked why I still saw a late fee, I was told by the agent there was no fee. He continued leading me in circles until I called. When I exited the chat, there was a survey ; however, once filled out, there was an Error 404 message. I refreshed the page and it took me back to the survey. When I resubmitted, the survey went through, but I was not given a chance to review and print my conversation. At this point, I spoke when an agent that explained it was a backlogged late payment. I made the full payment as required on the bill ( see attached ), and she claimed to have reversed a late payment fee. When I logged on today ( XX/XX/XXXX ) to make my payment for the month early, I noticed that the payment due was {$63.00}, nearly double the {$38.00} it had been when we started making payments. I then got on the online chat to see what the charge was. This agent claimed first that making the payment by phone was the only way to lower my payments ; when asked why online did not work the same, she said nevermind it would make the same dent in my account ( see attached ). She then told me there was a late fee. She could not explain to me why my bill reflected the {$150.00} payment due previously but then had a late fee anyway. She also claimed that the interest was reversed previously instead of the late fee, although I see the interest on my bill and the website shows a reverse in the late fee. Again, when I completed the survey negatively, it went directly to a 404 message, and when refreshed let me submit but did not give me the option of viewing the conversation. Luckily, I knew of this trick already so I had already printed and saved the conversation. This company has basically stolen money from us. Buyer beware! The five year plan may sound life saving, but it is definitely not.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was obtained early XXXX of 2017 in order to make a XXXX purchase. The account the following month was paid off in full. Then late XX/XX/XXXX a smaller purchase of XXXX was made towards the account. No statement was issued and thus the payment was missed following month I received a letter on XX/XX/XXXX stating, " based on a recent review of your account, synchrony bank '' has lowered your credit line to {$350.00}. Your account remains open and available for use, subject to the new credit line. '' This is as I feel an unfair and extremely deceptive practice. Especially when I never received a statement and the account was also previously paid off in full. So by missing one payment that I was n't notified on synchrony as a company chose to decrease my credit line. Then when I called them and spoke to a supervisor she told me specifically that it 's due to a soft pull on my credit, which I also did not authorize. This chain of events caused me to also have a denial for a XXXX credit line for my business, XXXX XXXX due to the account being of high balance compared to limit after the credit line decrease. I have 2 other accounts with Synchrony Financial /Bank and neither of them have decreased my credit line, in fact within the last 6 months one did under go an increase. Please help!
Product: Debt collection

I am writing because I really need your help. I am being affected by a late payment reported on my Toyota Financial account. This is the account information : Toyota Financial / Lexus XXXX Ac # XXXX, 2019 XXXX XXXX. 

I called Toyota Financial several days trying to get a deferment but I couldnt get through. I was affected by income loss due to Covid19. Toyotas call centers were constantly backed up and I was not given the opportunity to defer the late payments. 

This is being a very difficult situation for me and my family. By the time, I got through to Toyota, I was already marked late. 

I really hope that Toyota makes a decision based on empathy, and takes in count the context of the late payment. I have never been late in the past, and this is a situation that I could not control. 

I am requesting the late payment be removed from my credit report. I think this is the right thing to do for a consumer that has been with you ( Toyota ) for one year, and that has never been late. 

Thank you.
Product: Credit card or prepaid card

Unfortunately I have experienced an issue with a Spirit MasterCard issued by Bank of America ( BOA ). I have documented proof that I believe shows that BOA failed in their due process in adjudicating a dispute on a purchase with a merchant. Specifically BOA refused to act in accordance with the MasterCard chargeback guide requirements around second presentment. The acquirer ( the merchants ) bank responded with a ) a falsehood, b ) without any documentary evidence even though required by aforementioned MasterCard guide, c ) and a statement that had no bearing on the reason for the dispute in contravention of said MasterCard guide. BOA, instead of according my fair and due process as well as explanations for their conduct ( which is not limited to the aforementioned ), has apparently out of XXXX XXXX retaliation, adjudicated the dispute against me with great haste and without any documentation and/or sufficient explanation. MasterCard unfortunately has responded that they are unwilling/unable to assist in this matter. However, When MasterCard becomes aware of apparent violation of its requirements and other misconduct by an issuer I believe it of paramount importance that this is investigated and escalated to protect both MasterCard 's interests ( the brand ) as well as its cardholder 's interests. I believe I am not afforded the responsibility of due care by MasterCard. I am a MasterCard customer.
Product: Payday loan, title loan, or personal loan

I am in the midst of applying for a HELOC from XXXX XXXX  and was told my application is being held up because Citi Financial has an open lien on my house. Back in 2003 I took out a bill consolidation loan through Citi Financial but have since paid that loan off in full YEARS ago, my guess is at least 12 years ago this lien/loan had been fulfilled. 

Apparently CitiFinancial never filed the proper paperwork to state that my loan/lien had been satisfied. 

I called the local branch of CitiFinancial and was told by the Branch Manager ( XXXX XXXX XXXX that they were bought out by another company years ago and do NOT have any of the former records from CitiFinancial so he told me to call the Pennsylvania Department of Banking, which I did and that has led me to this complaint. 

I was told by whomever answered the phone at the Pa. Dept. of Banking that I would need to file a complaint with your office in hopes of getting t his lien satisfied. 

My home address, which is the property that has this open lien against it is ; XXXX XXXX XXXX XXXX, Pa. 
XXXX Can you please help me get the proper paperwork I need to show proof that this lien has been satisfied? 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has been at fault not complying to to the FCRA. There creditor made a soft inquiry as they accepted to my complaint to the CFPB, and Transunion still neglects to remove it. 
Attached you will find the acceptance from XXXX that they did a soft inquiry and Transunion must remove it. Transunion from last year has not removed the inquiry causing economic impact to the consumer. Id Theft was reported to the FTC, and the person intending to apply was not able to provide the information requested, since I am the only one that has it. Therefore they issue an adverse action notice, and noticed me of the intent of fraud. 

Transunion was copied with the ID Theft report and they never validate the inquiry with the creditor, nor remove the inquiry from my report.
Product: Student loan

ECMC sent me a letter dated XXXX/XXXX/2016 which stated that it validates a debt regarding Stafford loans, but their statement is fraudulent. I do not owe a debt to ECMC. The debt was consolidated with the U.S. Department of Education ( XXXX ) two years ago, and is being paid by me to them, and the documentation is a matter of public record since they are a federal agency. In addition, the private loan has also been paid to private lender XXXX. Therefore, I do not owe a debt to ECMC. I wish to dispute ECMC 's fraudulent reporting to credit agencies. ECMC needs to stop sending me letters and calling me. I do not owe ECMC anything, because I consolidated my student loans two years ago and I have been paying on them this whole time. I attended XXXX University, and before that, University XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an accident and was in hospital for XXXX .At some point I called XXXX XXXX   to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.
Product: Debt collection

American CollectionsXXXX XXXXXXXX XXXX XXXX  XXXX on false debts. They are trying to collect a debt with an alleged date of XX/XX/2019 from a XXXX XXXX I didnt see until XX/XX/2019, then they say its because of my daughter XXXX XXXX when she was never a patient there, she was only XXXX. All details are false and dont make any sense. I have contacted the creditor : XXXX XXXX XXXX XXXX XXXX and they make it clear not debt is owed, I was on XXXX with no job and didnt pay anything out of pocket. This is identity theft with false information. They have also failed to respond to my debt validation letter with to in XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three companies, XXXX, XXXX, and Experian continue to block reports so that companies seeking information regarding XXXX XXXX per his request can not get the access to the account because the account is blocked. 
I never have requested that the companies block the account. They do it for their on purposes. 

Today, XX/XX/XXXX, XXXX XXXX informed me that there is a block on the accounts. I did not request a block. 

Please contact the three companies and inform them that I do not request a block.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding an issue I encountered with Equifax in relation to the status of an important document sent by the XXXX XXXX  on XX/XX/year>. 

On XX/XX/year>, I spoke with a representative named XXXX at Equifax, seeking to verify the receipt of a letter that was supposed to update my credit information. This letter was sent by XXXX XXXX, but Equifax has failed to acknowledge its receipt or take appropriate action to update my credit report accordingly. 

During the conversation, I requested that XXXX escalate the matter or create a case to investigate why the letter had not been received or processed, and asked for confirmation of the status of the update. However, XXXX refused to escalate the issue, create a case, or provide me with a satisfactory response. The refusal to investigate this matter is deeply concerning, as it is crucial for my financial well-being that my credit report be updated with accurate and timely information. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies, such as Equifax, to ensure the accuracy and integrity of the information they maintain. The FCRA also grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate disputes in a timely manner ( typically within 30 days ). I believe that Equifax is in violation of these requirements by refusing to address my concerns and investigate the missing information. 

I kindly request the CFPB to intervene and ensure that Equifax complies with its legal obligations under the FCRA, specifically regarding : An investigation into the whereabouts of the letter sent by the XXXX XXXX on XX/XX/year> and why it was not processed by Equifax. 
Prompt escalation of my case to ensure my credit report reflects accurate and updated information. 
XXXX that Equifax will adhere to the FCRA and promptly resolve this matter. 
This situation has caused me undue stress, and I am eager to see it resolved as soon as possible. 

Thank you for your assistance in this matter. I look forward to hearing from you regarding the next steps. 

Sincerely, XXXX XXXX
Product: Checking or savings account

About XX/XX/XXXX, I had a checking account with the Bank of America in XXXX XXXX, California. After doing an electronic transaction to order a hands free ear buds for my cell phone, I had to return it to the company but did not get my money back. I then closed my account with the bank. After a while I reopened another checking account with the Bank of America, and the bank then charged me a fee of about $ XXXX, so I closed my account again. I reopened another checking account with Bank of America in XXXX California in XXXX or XXXX. In about XX/XX/XXXX that branch, to my total shock and dismay, charged the same amount again to my checking. So you could say I'm out {$970.00} for an ear piece for a cell phone which cost no more than {$15.00}. Can you help me please, I need my money.
Product: Mortgage

We were approved for a modification. We made the payments on time. Ocwen lost the signed documents and then Denied the modification due to " missing '' documents. They sent us a letter saying that if we made XXXX payments of {$500.00} plus dollars they would take a look at the modification for reinstatement. Less than XXXX weeks later we mailed them XXXX payments of requested amount for a Sum of {$2700.00} plus dollars, which they applied to the account. We then received a letter a few weeks later saying that the amount we sent was insufficient. If we wanted a review then we had to send in XXXX payments ( so they wanted us to send 2 more payments ) by XX/XX/XXXX ( only a week from the time we received the letter requesting the additional payments ). Ocwen is intentionally trying to keep us from getting this modification, yet keep cashing our checks. Now we have received the PRE FORECLOSURE notice from them AGAIN. I tried to submit a whole new modification request and their system wont let me, but I keeping receiving letters from them offering me the opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam I am a victim of Identity theft.
Product: Student loan

Yesterday I received the list with the rehabilitation checklist and I am going to return the information requested tonight. I am going to summit all the information requested because I am desperate and I want to find a way to finally end this nightmare, but that does not mean that this is a fair deal. For the last two years, with a big sacrifice, {$200.00} a month have been deducted form my check to pay my {$2100.00} student loan. In simple math {$200.00} X 24 month = {$4800.00} or more than twice the total amount of the loan. During those XXXX month, I never received any information from Transworld letting know the balance due or any information about my rights, you only collected the money and that was it. But I finally got tired of paying and decided to call and ask for information and after calling more that XXXX different phone numbers, ( I was transferred from one to another and to another ) I finally got in contact to a person called XXXX XXXX that informed me that if I wanted to put an end to this nightmare my only option was to continue paying the {$200.00} for 10 more months, plus a additional {$5.00} charge for 6 months and after that my loans was going to be pulled from " default '' and I was to be able to pay my principal. That means that {$4800.00} + {$2000.00} = {$6800.00} and then star paying the principal? How can a deal like this could be legal? I know that the collection Offices main business is to collect, but taking money away from a person with a {$12000.00} net salary a year? I am going to do my part of the deal, but I am letting you know in advance that I am going to look for legal help and I am going to start sending letter to the Congress, to the newspapers and even to Obama at the White House, to let them know how unfair people with students loans are crushed by the collection offices. 

Thanks XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXXXXXX XXXX XXXX XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

I filed my previous complaint under an incorrect subject. The issue was about Citibank false advertising of a {$200.00} reward cash back after spending. {$1500.00} on purchases in the first 6 months {$200.00} BONUS CASH BACK Earn {$200.00} cash back after spending {$1500.00} on purchases in the first 6 months of account opening Which turned out to be hoax and gimmick, they simply want the consumer to spend {$1.00} in XXXX months, so that CITI can make money from the interest rate. And makes all sorts of fraudulent excuses regarding nonpayment of the advertised {$200.00} statement credit cash reward. Please see their attached advertisement to that effect. At minimum get them to stop with their attached false advertisement which they have been aggressively promoting to ensnare more victims to their advertisement gimmicks
Product: Debt collection

I have two different companies trying to collect the same debts that I supposedly owe. The first company, Sequium, contacted me via email on XX/XX/XXXX, and failed the validate the debt when I requested it. They emailed me again today, XX/XX/XXXX, with a settlement amount for a debt that still hasnt been validated. The second company, XXXX XXXX XXXX, randomly sent me an email on XX/XX/XXXX for the same supposed debt, has never contacted me before, provided zero information about said debt, and did not include any information on my rights to dispute said debt.