23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent the below message on XXXX XXXX : ear Sir/Madam, I am writing to formally request validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity of this debt and require verification of the debt before proceeding with any further actions. 

Please find below the details that should help you identify my account : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Date of Birth : XX/XX/XXXX Last 4 of Social Security Number : XXXX As part of my request for validation, I ask that you provide the following documentation : The original signed contract or agreement : Please provide a copy of the original signed agreement between myself and the original creditor that shows my obligation to the debt. 
A complete payment history : Provide an itemized statement or ledger that shows all payments made, fees, charges, and interest applied to the account, along with the original balance. 
Proof of debt ownership : If this debt has been sold or assigned to you, please provide documentation showing the chain of assignment or transfer, proving that you have the legal right to collect on this debt. 
Proof of the original creditor 's records : Please provide documentation from the original creditor that demonstrates the debt was owed by me, including the original account statements, contracts, or agreements. 
Affidavit from the original creditor : please provide a sworn affidavit from the original creditor verifying the details of the debt, the amount owed, and any other relevant documentation supporting this debt. 
As required by the FDCPA, you must provide this validation within 30 days of receiving this request. If you can not provide the requested documentation, I ask that you cease all collection efforts and remove any information related to this debt from my credit report. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation. 

I then received the below response from them : Thank you for contacting Plaza Services , LLC. We appreciate the opportunity to assist you. 

This account was updated per your dispute. We will mail the requested validation materials to the address you have provided. 

Please let us know if there is any other information needed at this time. 

As of XX/XX/XXXX, I have yet to receive the requested documentation from the collector. I have attached the email thread to this complaint as well.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and i noticed a lot of accounts that are not mine. I have requested information from the companies, but they have not provided me with any information. I have never used my credit for anything but a XXXXXXXX XXXX  account. The other information is not mine.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance. I used their online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported so I called a week or 2 ago. I was automatically sent to the Fraud Dept. I  was told that they needed the Signed SS Cards and the Front and Back of each Authorized User ' Drivers License. I provided them in 3-7 days ; I was told that I had 14 days. I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and then perhaps to get the cards reopened because of a possible mistake. Only one of their many representatives that I spoke to could give me a reason. Today, she said that my accounts were closed due to returned pmts on this or other related accounts. That is in fact NOT TRUE. I have NEVER had a delinquency with this company, nor do I have delinquencies with any other account, related or not.
Product: Credit card

Consumer Financial Protection Bureau XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Wells Fargo Bank Regarding Credit Limit Reduction Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo Bank concerning a recent decision to lower the credit limit on my credit card account without what I believe to be a reasonable justification. 
On XX/XX/XXXX, I received a notification from Wells Fargo stating that my credit limit on the account ending in [ last four digits of your account number ] was reduced from {$16000.00} to {$9100.00}. I am deeply concerned about this decision as I have always maintained my account in good standing, never missing a payment, and adhering to the terms and conditions of my credit agreement. 
The stated reason for this credit limit reduction was provided as " payments too low. '' However, I find this explanation puzzling, as I have consistently met and exceeded the minimum monthly payments required by Wells Fargo. Furthermore, my financial responsibility has been evidenced by the fact that I am diligently paying down the balance within the 0 % interest period, which is set to expire in XX/XX/XXXX. 
The reduction in my credit limit is particularly distressing given that I am still within the promotional 0 % interest period for purchases until XX/XX/XXXX. This decision places an unnecessary financial burden on me, affecting my credit utilization ratio negatively and potentially impacting my credit score. As a conscientious and responsible cardholder, I find it disheartening that a decision based on " payments too low '' would be applied without a clear and comprehensible explanation.

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and urges Wells Fargo to reconsider and rectify the decision to lower my credit limit. I believe that this action is not only unwarranted but also has the potential to adversely impact my creditworthiness and financial well-being.

I appreciate your prompt attention to this matter and look forward to a resolution that ensures fair and transparent banking practices.

Thank you for your assistance in this regard. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto my XXXX account today & saw there was a XXXX  XXXX account listed on my page. I have never had an XXXX  XXXX account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX  & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach resulting in unauthorized release of private consumer information.
Product: Payday loan, title loan, or personal loan

I TOOK OUT A LOAN WITH SPOT LOAN IN  XXXX  OF  XXXX  AND THEY WAS DEBIT MY BANK ACCOUT  XXXX  EVERY  TWO  WEEKS WHICH WAS EVERY PAY DAY AND HAD A INTREST RATE OF 625 % WHICH I DID N'T NO I NEVER SPOKE TO NO ONE THEY NEVER CALL I EMAIL BUT NO RESPOND I GOT A FRAUD ALERT FROM THE BANK AND WAS ASK TO CLOSE MY ACCOUNT BECAUSE OF DIFFERENT L OAN IDS FROM THIS COMPANY.
Product: Checking or savings account

Accounts opened in my name online ( specifically the one listed below ) : Wells Fargo High Yield Savings Account Number : XXXX Statement Dates : XX/XX/XXXXXXXX  - XX/XX/XXXX Statements sent to : XXXX XXXX XXXX, XXXX XXXX CA XXXX : Which was not my address The XXXX Savings Account was Opened on XX/XX/XXXX along with 3 other accounts created on the same date. 

XX/XX/XXXX : WFB Opening Deposit Online Transfer from Checking : XXXX Ref : XXXX XX/XX/XXXX : Cash eWithdrawal in Branch/Store - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Claims that they were only able to locate four debit cards : Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX Card ending in XXXX, activated XX/XX/XXXX and closed XX/XX/XXXX I never received all of the statements, I never got the withdrawal slips, I never got correct debit card numbers
Product: Credit card or prepaid card

On XX/XX/XXXX U.S. Bank took an automatic draft from our checking account ( no longer with U.S. Bank ). We did not receive any text or email alerts stating they were taking this amount. On our bank statement it shows an automatic payment of {$580.00} was withdrawn. It stated it was for a credit card ending with XXXX, In checking we found that we don't have a credit card with U.S. Bank that has that ending number of XXXX nor have we ever signed an automatic withdrawal authorization. withdrawal on XX/XX/XXXX and stated it was a credit card ending in XXXX. It was withdrawn from our new account XXXX XXXX ( Florida ). When we moved from XXXX  to XXXX  and closed our U.S. Bank account we experienced numerous overdraft fees etc. This new error of {$580.00} has put us in great financial stress.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.. 
I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX  XXXX payments missed, incorrect XXXX XXXX  XXXX payments missed incorrect XXXX XXXX XXXX missed incorrect Late payments XXXX incorrect. 
Late payment XXXX XXXX incorrect Late payment XXXX XXXX incorrect
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The following accounts are for the XXXX XXXX and XXXX XXXX XXXX.
Product: Credit card

I do n't understand why the credit card can compute my interest based on a 28 day basis? It should be at least 30 days at least, the average number of days in a month. That would provide a fair chance for consumers to pay within a usual pay period. When you compute it before the 30 days are finished you are penalizing the consumer for not paying when they are very unlikely to have received another paycheck to make the payment.
Product: Mortgage

XXXX transferred my loan to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. A mistake was made in regard to my account by XXXX at that time. The issue is that prior to XXXX passing my loan to SLS in XX/XX/XXXX, XXXX paid {$1400.00} in county taxes out of my escrow account thus sending my loan to SLS with a negative escrow of - {$990.00}. However, my county taxes were not paid, XXXX paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by SLS in XX/XX/XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from SLS saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on XXXX part and by a complete lack of due diligence and follow-up from both XXXX and of SLS. <P/>I have sent two letters to SLS, one letter to to XXXX and two certified letters to both LoanCare and SLS. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. SLS keeps saying there is nothing they can do and " it 's my problem '' and they sent me a letter to that effect. XXXX keeps saying they " are looking into in. '' Additionally, XXXX has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XX/XX/XXXX and this has been going on since XX/XX/XXXX. SLS has been absolutely no help at all. Had SLS even bothered to check the numbers on my account at the time of transfer, they would have realized that XXXX had made a mistake. And even with proof that a mistake has occured, SLS says they can and will do nothing.
Product: Student loan

I have been trying since XX/XX/2017 to lower my monthly payment on my student loan. I had it in forbearance for a year and called a few months before the forbearance to try to get the payment lowered. I am a single mom and know I cant afford to pay what they were asking but I still wanted to make some sort of payment. I was told they could only lower my payment by {$25.00}. That was not enough at this time I can not afford to pay almost {$300.00} a month to my student loan while also paying for daycare and preschool. I begged them to help me. Give me a year of lower payments just until my daughter starts kindergarten in a year and I will pay more. But they have refused to work with me. I keep telling them what I can afford and they just keep raising the payment. I know I will have to pay more interest and it will take longer to pay the loan off but right low I just need to payment lower. I still want to pay I just cant afford what they want as a payment.
Product: Credit card or prepaid card

I am not sure what is going on, Venmo is saying I went against their user agreement but I have no idea what actions I took to cause them to deactivate my account! I have reached out several time to get my remaining balance from them and ask them what I can do and Im not getting a solid answer on what needs to be done
Product: Mortgage

New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? 
This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. 
WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? 

Very frustrated and just want to make our payments on time ... please advise. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture of the account with the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account from Discover Bank reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, YOUR COMPANY CLEARLY LOVES LITIGATION. YOU CONSTANLY VIOLATE THE LAWS. YOU CONTINUE TO VIOLATE CONSUMERS AND THEIR RIGHTS JUST AS OFTEN. IT IS NOT MY JOB TO DO YOUR JOB AND I WILL NOT. YOU ARE SOPHISTICATED THIEVES STEALING MY PERSONAL INFORMATION USING IT AS YOU PLEASE TO RUIN MY REPUTATION. EXPERIAN IF YOU AND YOUR VENDORS WANT TO CONTINUE COMMIT IDENTITY THEFT AT LEAST HAVE THE CORRECT PROPER INFORMATION TO DO SO. PLEASE spare me the ANTICS. Your company ABSOLUTELY does not Appreciate ANY Consumer who disputes their Consumer Reports. Your company loses money when this happens. Do not continue to insult my intelligence. THIS IS MY 3RD AND FINAL TIME REQUESTING YOUR COMPANY REMOVE, DELETE, UPDATE ALL OF MY PERSONAL INFORMATION I WANT LISTED IN YOUR SYSTEM. 

Now let 's move on shall we, you are in violation in more ways than one. I will just stick with your willful non-compliance/negligent noncompliance. I know your company is in the business to make money by gathering, processing, and archiving my Personal Information selling it and harming my life, my family and my reputation. Your company feeds my information into your data system with no regard to. As I stated previously your agency has several variations of names, addresses, phone numbers, employers, emails, ETC. This is my last request to have your company fix this inaccurate personal Information. Your company has an obligation/responsibility after I have expressed safety concerns. I clearly asked your company to REMOVE DELETE ALL names, all addresses, all phone numbers, all employers, all Social Security Numbers, all emails. 

This is the only information I would like reported on my Consumer Reports. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. REMOVE XXXX FROM THE SPOUSE SECTION AS WE HAVE NOT BEEN TOGETHER IN 14 YEARS. 

PLEASE SEND ME UPDATED REPORTS WITH THE CORRECT INFORMATION. YOU'RE VIOLATING MY RIGHTS BY RUINING MY REPUTATION AND MY FAMILY IS BEING HARMED IN YOUR ILLEGAL WORKS. THE LAW ENTITLES ME TO REQUEST INACCURATE INFORMATION BE REMOVED. Please send an UPDATED
Product: Credit card

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my XXXX XXXX American Express card account, issued by American Express. I am deeply dissatisfied with the recent changes to the card 's benefits, which have rendered the card significantly less valuable to me as a consumer. 

I have been a loyal customer have held the XXXX XXXX American Express card for 1 year and have been a Skymiles member since XXXX. I initially signed up for this card because of the enticing benefits it offered, including [ paid XXXX XXXX XXXX access, priority boarding, and boosts when spending {$25000.00} and {$50000.00}. ]. These benefits were a major factor in my decision to become a cardholder and to continue paying the annual fee. 

However, I was recently informed that effective XX/XX/XXXX, several of the benefits that initially attracted me to this card will no longer be available. The specific changes that have been announced, such as [ the removal of MQMs to earn status, and the removal of complimentary XXXX XXXX XXXX access ], significantly diminish the value of the XXXX XXXX American Express card for me as a customer. These changes were not communicated clearly or with sufficient notice, leaving me feeling blindsided and betrayed as a loyal cardholder. 

I believe these changes fail to meet the standards of transparency and fairness that consumers should expect from their financial institutions. I have made significant financial decisions based on the promised benefits of this card, and the sudden withdrawal of these benefits has put me at a disadvantage. Not to mention, I just paid the {$250.00} annual fee less than two months ago. 

I kindly request that the CFPB investigate this matter thoroughly to ensure that American Express upholds its responsibilities to its customers and adheres to all relevant consumer protection laws. Furthermore, I urge American Express to provide affected cardholders with a fair and equitable resolution. 

I appreciate your attention to this matter and look forward to a timely response. You may reach me at the contact information provided above should you require any further details or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I noticed that Diversied consultants had put an account on all 3 credit reports from XXXX XXXX XXXX in the amount of {$200.00}. The account says open. This information is incorrect and not true. I contacted the company to let them know about the inaccurate account that they had put on my credit reports. The issue didnt get taken care of.