23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2017, I went to XXXX in XXXX, GA to purchase an automobile with my credit card. I was provided a credit application which I filled out and provided my credit card to the sales rep at XXXX to extend my credit. In return, XXXX brought me an alleged loan on a document with the title 'Sales Agreement ', and it stated GM FINANCIAL as the 'LIEN HOLDER '. A finance charge was involved in the consumer credit transaction and was not disclosed clearly in any of the communication sent from GM FINANCIAL. GM FINANCIAL furnished deceptive documents and communicated with me at my abode in connection to collect an alleged debt that is not lawfully owed. I did make payments after being harassed by the monthly bills and annoying phone calls over the years from GM FINANCIAL, making me believe I was obligated to make such payments. I sent GM FINANCIAL a request to validate the alleged debt. They have not sent any documentation proving any legal or lawful obligation as requested in the allotted time frame. The payments have caused damages to my financial status and reputation. GM FINANCIAL continues to violate my federally protected rights and communicate with me without my consent in an attempt to collect an alleged debt. GM FINANCIAL has not provided any legal or lawful validation of any debt or alleged debt.
Product: Mortgage

XXXX XXXX sent my Mortgage loan to a new Servicing Company named Mr Cooper which was breached during the transfer of many mortgage loans like ours. I asked for all paperwork Mr Cooper received plus an amortization schedule since Mr Cooper sent notification that the Taxes & Insurance in the Escrow Account was not adequate and raised our monthly payments. I questioned why but got run around with no answers. I Called again asked if I can close escrow account & pay my taxes & home owners insurance myself. Response was I can understand why being on a fixed income that having to pay two months in advance of Escrow would be concerning. I asked for all paperwork to determine if we had indeed been paying 2 months ahead into our Escrow Account but in the mean time received notification that our Escrow Account would be returned to us unless we contacted them by XX/XX/scrub>XX/XX/2024 to stop the ending of the Escrow account. The letter arrived on XX/XX/scrub>XX/XX/2024 and I called them to stop the process of closing the Escrow account. I was assured twice that they would not close the Escrow Account since I called & asked to wait until the paper work was sent that I requested many weeks before. Then I received a notification by mail saying they did close the Escrow Account & a check would be sent to us for the amount that had been in our Escrow account. I again called asked why did you close our Escrow when you assured me that you would not? They have no information about my previous call but I did have the name of the person I spoke with & date & time of my call. They now say do not make your next month payment until you receive the check then call us back to void it before making your regular monthly payment. I expressed concerns about their untimely paper work and asked are you sure the Escrow check will be here before the next monthly payment is due on XX/XX/2024 and was told it should be here by then. When asking what I should do if the check does not arrive in time I was told to not be concerned. I am concerned since it took 3 months to get even part of the paperwork I asked for months earlier. We have never been late on a mortgage payment and have good credit and do not want our loan to be in default. What more can I do the clock is ticking and I have done so much to try to make sure that during the breech some of our payment history was not lost. Thank you fir any advice you may be able to offer me.
Product: Mortgage

XXXX XXXX  and Mungo Homes in XXXX SC XXXX XXXX XXXX are colluding to deny buyer return of earnest money of {$8600.00} and refusing arbitration requests from the buyer. XXXX and Mungo have been notified on multiple occasions by buyer of negative item ( s ) on credit reports that may disqualify buyer from home purchase. Buyer has requested on multiple occasions an update to their mortgage application and consumer profile used to determine buyers qualification to close. On each occasion XXXX and Mungo refuse to comply and have insisted on forcing buyer to either close or lose earnest money, while they are continuing to use an incomplete underwriting file for the determination. Mungo is aware XXXX has not and refuses to update the buyers credit profile, per the buyers request. Mungo is also denying the buyers request for arbitration, which the purchase agreement allows for. Buyer is requesting immediate relief of return of {$8600.00} earnest to buyer, forthwith.
Product: Mortgage

I have 2 probles that I an hoping to get resolved. 
1. It appears that I was entitled to a recission of a mortgage that XXXX had with wells fargo, but I was never properly notified. they notified me well after I paid off the mortgage. I believe that I should be entitled to all the interest that I paid during that time. 
2. while an emploee of wells fargo-they were monitoring both my personal accounts and business accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/2021, and the subsequent response received on XX/XX/XXXX. 

Please send the following information used to verify the validity of : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX  XXXX  ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and life.
Product: Checking or savings account

Usbank/reliacard deactivated my account for reasons unknown and will not reactivate my account. I have spoken with supervisors and phone operators about the problem. XX/XX/2020 is the second time this has occurred.
Product: Debt collection

On XX/XX/XXXX, I, XXXX XXXX, the consumer, mailed American Express a request for debt validation. My legal team has stated, pursuant to 15 USC 1692g, this was not what I requested and American Express failed to properly validate the debt. Attached below is all the responses from American Express through the CFPB, along with the original debt validation request. American Express never expressed who the original creditor is which is I the consumer. I also asked for the original contract and they never provided that either. 

I requested American Express to provide the following to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have sent a fault to dishonor notice to the CEO of American Express attached below and I am hoping we can work this out before I have to go to court and obtain a default judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX ( XXXX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, XXXX. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, Im here today corresponding to you guys on the situation at hand.

I was robbed about 7 years ago they snatch my purse with all my sensitive information inside. Until the day the criminal has yet to be caught. 

Please help me these arent my accounts I have no knowledge or no connection of the said accounts. They even got an eviction in my name in North Dakota
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, Navy Federal Credit Union does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action to have this information removed from my credit report.

Exercise my rights under the arbitration agreement linked to this debt.

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within 30 days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that Navy Federal Credit Union will act in accordance with federal law to resolve this issue expediently. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XXXX This was the previous complaint THAT SHOULD HAVE NEVER BEEN CLOSED To date, XX/XX/2023 NO FUNDS HAVE BEEN RECEIVED FROM THEM and the one check they did issue they " STOPED PAYMENT " on it causing an additional charge of {$15.00} to me from XXXXXXXX XXXX XXXXXXXX ( my financian institution ). At no time did they inform me that I was not to use that check that they took almost a month to get to me.
Product: Consumer Loan

GMAC continues to report negative information and an outstanding balance even though the account has been discharged in a chapter XXXX bankruptcy. The credit reports do not reflect a zero balance nor do they state the account is included in a chapter XXXX bankruptcy. 
I have disputed this with all the credit reporting agency 's without any response.
Product: Credit card or prepaid card

My first Capital One ( Venture One ) card was activated several weeks ago. 
I had used it often since. 
Unable to access the account online, I was told by a Capital One agent that I needed to send the front and back of my Driver 's License ( through a secure link ) to gain online access to the account. 
I did that. 
To which they froze the account, without warning or reason - apparently because the address on the license plate did not match the address on the account. ( I own a house in New York, and the townhouse in XXXX XXXX NM from which the account was applied. ) I learnt of the freeze when my card was rejected in a restaurant. ( In front of a client. ) In response to my frantic call, Capital One - through three different agents - insisted that the only way to reactivate the account was by my sending a photo of my Social Security card in an email! 
A physical photo of the SS card, and nothing else will do? They also wanted a photo of a local utility bill ( reasonable enough ) but the SS card was in a safe deposit box in NY.

Game over. No physical SS card, no re-opening the account. 
Once my astonishment wore off, I demanded that Capital One put this remarkable SS card request in writing - email or physical letter. 
They refused. They offered a generic letter about " questioning my identity '' - which would have been patently false. ( I have worked in the banking industry for 40 years and know their people personally, as I described. ) They again and again refused to put in writing this bizarre and unique requirement, even as they made it again and again on a recorded line. 
If they doubted my identity, they should not have validated the card in XX/XX/XXXX. 
Instead, I now have roughly one dozen " auto-pay '' accounts waiting to charge my new " rewards '' card - but it's still frozen.
Product: Bank account or service

I was scammed by someone that opened an account at TD Bank. They were able to open an account - identifying themselves officially on the account as " XXXX ''. They told TD Bank that it stood for XXXX XXXX XXXX XXXX. As part of their scam which was successful ( when I wired money to them thinking I was buying a car ) they told me that stood for XXXX XXXX XXXX Account. Why anyone receiving large sums of money should n't have to identify themselves -I have no idea. But TD Bank is making it easier for Scam Artists to operate in this way. I 'm sure the scam artists appreciate TD Bank accommodating them.
Product: Checking or savings account

I have been trying to contact someone for days regarding my CD. No one answers the phones ( I have waited an hour on hold ). No one answers messages on the website/app. I have been trying to contact the since my CD matured on XX/XX/11 and now I am afraid it will roll over. I tried to withdraw the money using their website, but it says that I can not.
Product: Credit card

When I first open captiol one they approval me a XXXX credit limit for a bad credit score and I have on time payment for XXXX year and yet they still won't approval higher limit becuae captiol one base by their computer system once u in a bad score u remain in that side on the system and harder give u higher limit nk matter how good standing u become they discrimination but not approval cobsumer equal opportunity like rest of other all due from their old system that keep remaining u on the. Bad side no matter what u do voilate TILA and consumer financial protection law I started with XXXX for XXXX year to have a limit of XXXX limit while other different intentions block me to access higher limit to better my financial hardship due to their unfair practice deceptive abuse I was financial damage due to their unfair system of intentions to not increase higher limit like other people we as consumer should be equal access fair credit limit to better out life to improve I had XXXX year on time payment until covid crisis came and ask for assistance and they hold XXXX  month of payment that I didn't need to make but never disclose that they will report the XXXX month miss payment and ruin my XXXX  year good payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent mailing via Certified mail # XXXX XXXX XXXX XXXX XXXX they received it on XX/XX/XXXX. The letter states that it is my formal demand to immediately cease all reporting of inaccurate and incomplete credit information ( HISTORY ), on my consumer credit file. 

FACT : Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate, after reviewing my consumer report on XX/XX/2022 I was made aware of these inaccuracies on my consumer file, this ( adverse ) action by Equifax is unfair, unlawful, and just violates my consumer rights. 

As a consumer I was never notified in any manner when this inaccurate information was first furnished on my consumer file, I was never notified when Equifax conducted its Initial investigation, or that Equifax would be reporting this information. 


They only removed one account XXXX XXXX and updated the other account they never verified any information and contacted me they never did a proper re-investigation On XX/XX/XXXX they added remarks to the remaining account but didn't remove them
Product: Credit reporting or other personal consumer reports

This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your file as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 
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: Credit card or prepaid card

I have attempted various times in calling Capital One CC company to reduce APR of 24.40 % to a more reasonable rate. I can not believe government can allow CC scams with 0 % introductory only to find out once purchases are made and years goes by they are allowed to raise to 24.40 % which causes any minimum payments made are mostly interest. This unethical allowed practice is worse loan sharks because your credit rating is directly affected. With Goverment interest rates at all time low, how is this not regulated to disallow CC charging outrageous rates. 
In current COViD-19 Pandemic Fed Government advising to contact CC companies to reduce rates to assist in payments during this time. CaptialOne is NOT willing to change or do anything other that defer one month payment but still acruing interest, which does not help what so ever, just another way for CapitalOne to make additional money on deferred payment. 
Payments going to all these high interest CC companies severely affect usable income for other needs to survive. 
Some interest caps need to be put in place based on income levels to assist families struggling and need to have access to credit card use. 
Hope someone steps up and does right thing to help families that are being taken advantage of.