23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that they are not to report any inaccurate or invalidated information to the credit bureaus that could be detrimental, but they continued to which is a violation of my consumer rights. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
Product: Credit card

( Capitol One ) My credit limit was {$5000.00} ( Capitol One ) took {$3000.00} from my Credit Limit, leaving me with {$2000.00} Credit limit, which {$1700.00} of That is already spent, I only have {$300.00} to work with, this situation made my credit score decreased, I have a excellent payment history, never late, They have collected interest on my account for years, this is credit profiling.
Product: Debt collection

I checked my credit report today and this company was listed on my credit file stating that I owed them a balance for XXXX XXXX. I dont owe this company anything because I dont have a contract with them or XXXX XXXX and XXXX never received any notification from this company pertaining to a balance or amount owed. 
I have reached out to XXXX to submit a formal identity theft complaint and report because I never received service from XXXX I have been with XXXX for over XXXX years. 
The account also has a status of open how can a collection account be open? On my credit report
Product: Credit reporting or other personal consumer reports

I disputed about three things in my credit report and within a week XXXX closed my dispute with no further explanation. After requesting documentation I got no further response.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open : 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

penfed closed my account and wont give me my money back for a fraudulent check written they said no error was found here is the issue i never ordered checks from penfed and they know this and i can prove it, they lied and will not provide how they found the error, im requesting a handwriting sample of proof its mine, XXXX i live in XXXX utah and not nevada, ftc report was filed due to identity theft. PENFED IS A FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account balance and that I have been late multiple times with both XXXX XXXX and Experian. XXXX has most recently updated my credit report as of today XX/XX/XXXX to say I am behind XXXX dollars in my mortgage despite this being paid on time ( I paid XXXX 's mortgage on XX/XX/XXXX ). As of today, XXXX is claiming I am behind XXXX dollars and have marked this on my credit report. Prior to my last dispute they had marked that I was late for 2 years consistently! I have ben late in the past a couple of times past 30 days, but nowhere near this amount. I have been current on my mortgage if not paid extra payments for at least the last 6 months. This has ruined my credit ; I am not behind. I have contacted XXXX, and they keep saying they will call me back. The call center agent says they can not see where I owe any money and says I am on time. My statements also reflect that I am current on my payments.
Product: Credit card

Good day, I was offered a promotional reward to open an American Express - Gold Delta Skymiles credit card in XXXX. I was approved for the opening of the credit card on XX/XX/XXXX. 

The offer was to spend {$3000.00} in 90 days to receive a XXXX bonus miles. I spent the {$3000.00} in under 90 days, but never received the bonus. I called customer service at the time and they advised that due to their system block, they could not offer the bonus. 

I believe American Express was fined recently for not honoring their offers for credit cards rewards. 

Could you kindly look into this matter? I have attached the below documents as evidence I completed their offer, but was not honored the points. 

1 ) Referral offer to spend {$3000.00} under 90 days to receive XXXX miles 2 ) Approval of the opening of the credit card on XX/XX/XXXX XXXX ) Statements from American Express showing I spent {$3000.00} in 90 days Thank you so much!
Product: Debt collection

I discovered signs of identity theft in XX/XX/XXXX when reviewing my annual credit report. This theft has had severe impacts on my financial stability, causing significant personal stress and anxiety. I have taken immediate actions, including contacting police and credit agencies, to address the fraudulent activities linked to my identity. 

Affected Accounts : 1. Fraudulent Auto Loans or Leases - XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$84000.00} - XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$0.00} - XXXX XXXXXXXX XXXX : - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$0.00} 2. Fraudulent Personal or Business Loans : - XXXX XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} - XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$980.00} 3. Fraudulent Information on Credit Reports : - XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX reported fraudulent accounts or charges. 

I am actively working with financial institutions and law enforcement to address this issue and request investigation and resolution of all fraudulent activities linked to my identity. I also seek assurance that my credit score and financial reputation will not be adversely affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX Inquired on 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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

from XX/XX/XXXX until XX/XX/XXXX citibank stole {$14000.00} lied cfpb cover up committed draud broke close a dozen state federal bank laws as well violated XXXX terms in user agreement contract and negligence caused me to loss everything trauma and damages worth XXXX  accepted over {$14000.00} in direct deposits from state ny belonging to me and put them into someone else acct. informed me the acct was incoming only due comprmised hacked acct they put the first XXXX into assured me no one can touch my money branch manager at XXXX sent me to XXXX  to open up my own acct so they could transfer any future incomingdeposits. the guy opened me an acct told me no info didnt give me temp card online banking nothing! then ontop of that they never told me about the {$14000.00} they kept allowing to go ito an acct not belonging to me and never transferred to the acct they had me open or never even informed me. then let someone withdrawal all my deposits sent from nydol. only way i foud out wen i just fially got pay istory from XXXX. then i call citi priority tryiinng get bottom of it. next day they illegally added my name to acct they accepted deposits too plus keep giving us fake statements. ones that dont show the fraud they committed then lied cfpb
Product: Mortgage

JG Wentworth proved to be incompetent and unresponsive in getting their primary task completed-closing a home loan on time. I began the application process over two months before we needed to close on a new house ( I had to wait to lock my rate-two months before closing. ) They were not able to deliver the paper work to the closing attorney on time. To rub salt in our wounds on closing day the closing attorney tried over and over to get in touch with our loan processor and no one returned their call-all day. We were supposed to close our loan at XXXX XXXX on Friday and when all parties arrived at the closing attorneys office they had not heard one word from JG Wentworth concerning our closing package. Needless to say the people we were purchasing the house from were furious and we were out on the street for three days ( it was Friday. ) We incurred over {$3800.00} in expenses and loss of wages, not to mention the embarrassment and anxiety they caused us. Everything we owned was in a locked house we did not own. JG Wentworth offered us a remediation gesture that does not begin to cover the loss we incurred as a result of their utter ineptitude and lack of corporate and personal professionalism.
Product: Checking or savings account

I had a Checking account with Fifth Third bank and was told that I would not be allowed to access my Mobile app account because a Income tax refund check I deposited from the State of Ohio they said was bogus. I provided a 1040 copy of my Income tax return and a copy of my 1099 form to the bank as requested by the bank as well as a copy of the Tax refund check I got from the State of Ohio. 
A week later I attempted to check my account balance at an ATM and found that my Checking account had been closed by the bank without any notice to me. When I spoke with a Fifth Third bank official, and they checked with their Fraud people I was then told my account had been closed because someone had tried to access my Checking Account from overseas and the account was closed at that time with no notification. I have been lied to by Fifth Third and due to no prior notification of account closer I have been charged late fees on my mortgage and had to setup a new Second chance Checking account that penalizes me due to the damage that took place to my credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
Product: Credit reporting or other personal consumer reports

LexisNexis is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX : XX/XX/1970 SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XX/XX/year> LVNV and Resurgent Capital Services advised it recieved my request for verification of dept of {$1000.00}. XXXX from XXXX XXXXXXXX XXXX  as well as {$690.00} from XXXX XXXX. I requested an original signed contract from Creditor. They sent a bill which is not sufficient proof for verification of dept for both accounts. 
XXXX  XXXX account ending in XXXX for {$690.00} XXXXXXXX XXXX XXXX account ending in XXXX for {$1000.00}. 
They did not include any other verification of dept other than a single bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX disputes against XXXX XXXX XXXX regarding a collection attempt for the XXXX XXXX. Per court order, my amount owed is {$920.00} in back rent. This also happened in 2017, which is outside of the Texas statute of limitations. All communication from this debt collection company has not stated this. When submitting the dispute, nothing was ever updated or corrected by the credit bureaus.
Product: Credit card or prepaid card

I 've had fraud occurring  on my Capital One credit card since  XXXX  of 2016. I tried to report it per their 0 % fraud liability but they refuse to let me report it, refuse to let me close the card, and more fraud keeps occurring. I have went to the branch several times and provided my bank statements, utility bills, social security card, US passport to verify my identity to branch personnel who vouched for me and submitted copies of my verification documents. Yet Capital One refused to credit my account for fraud or even allow me to report the transactions. I keep paying the minimum every month to pay for fraudulent transactions and Capital One in turn charges me more than that in interest. They actually owe me a credit balance refund but they try every way possible to avoid ma rking transactions as fraud.
Product: Debt collection

XX/XX/2014 I went to XXXX XXXX to have XXXX XXXX from my XXXX they did 1 session approved me for card XXXX. After session I was told laser would only pick up dark hairs that was 20 % the largest part of my facial hairs are grey so I would have to try another option they offer. So I refused paid {$170.00} they continue to sell to collection agency XXXX XXXX I have asked numerous times for itemize charges I used {$4100.00} I never get because 1 session did not cost XXXX XXXX and I believe the 1 session I did and paid XXXX was fair they continue to ruin my credit and I'm constantly getting calls about suing me. Please help me I have other issues I'm fighting XXXX XXXX and I constantly have to deal with this. Thanks
Product: Student loan

XXXX Navient called 11 XXXX Navient called 9 XX/XX/XXXX XXXX : I told the person who was calling about repayment of student loans to not call during business hours. 
XXXX : I told XXXX that I have already asked to not be called during business hours. I have been called 10 times in the last 7 days and this is harassment. Do not call me again. 
XXXX : Navient called again XX/XX/XXXX XXXX : Navient called again
Product: Checking or savings account

My family has been long time customers of TD Bank ( and their affiliates ) for over 20 years. We began as clients of XXXXXXXX XXXX  prior to the acquisition/rebranding. 

Several years ago, my wife and I moved from traditional income to being paid less consistently and in larger amount ( XXXX XXXX XXXX XXXX Over the past year, we have had a some situations where small payments got crossed with deposits. This is always inadvertent as we have dozens of items going into and out of our account routinely. 

In XXXX, for the first time, we incurred a very large {$650.00} fee that appears associated to one of these returned checks. We shook it off as it was unfamiliar, and during the week of XXXX and assumed it was associated to a situation where a deposit did not clear in time for an pre-scheduled auto withdrawal or check. 

Since XXXX, we have received a large number of overdraft fees. After looking at the recent statements ; it appears that TD is now placing a grossly unreasonable 6 business day hold on each " large '' ( which every paycheck or brokerage withdrawal ) qualifies for. We had no idea that TD began applying this hold to each of our last deposits. This has caused dozens of overdrafts ( further reducing our balance ) and major credit reporting issues when this hold interupts mortgage and car payments, etc. 

I have been in banking and a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never seen such a counter-intuitive and counter productive practice. The real world implications of a hold that extends multiple calendar weeks and exceeds 25 % of the business month is a gross abuse of retail banking. 

Due to conditions most Americans have no control over, money is tight. To have an institution we have been clients of for over two decades basically punish us and both not play interest and charge is fees in the process should be illegal. 

Furthermore, not only did the bank teller not advise me in advance of any " hold '' on the ability to access funds ; but rather inquired if, given the large deposit, " I'd like to speak to an in-branch financial advisor or discuss higher interest bearing checking accounts. ". Apparently bank policy requires their employees to solicit new business opportunities while failing to inform clients of pertinent information on their existing business.