23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my XXXX and Experian. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card

Someone successfully opened a Capital One credit card with a {$1000.00} limit in my name, without my knowledge. I suspect this may be linked to a renter 's application I submitted four days prior. The application required me to upload pictures of my ID, Social Security card, and home address. 

The rental application was completed on a website called XXXX  which appeared legitimate when I reviewed it. However, after I sent a {$65.00} XXXX payment to the supposed landlord, I noticed some inconsistencies : his name on XXXX differed from the name associated with his cell phone. When I questioned this, he claimed the other name belonged to his lawyer. Fortunately, I didn't send the additional {$400.00} required to secure the rental. 

Four days later, I discovered that a Capital One credit card had been opened in my name, likely as a result of this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the CITI account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( CITI XXXX )
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$590.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

On XX/XX/XXXX I wrote Mr XXXX XXXX at Nationwide equities corporation that I wanted to cancel the loan process we had started. He replied saying he would take care of that. It has been 34  days and he still has not sent me a letter of cancellation.
Product: Mortgage

Flagstar Bank To whom it may concern : Through the following letter I want to complain about the problems I have had with my mortgage collections since XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the government of Florida  has sent checks for {$1300.00} each month to cover the costs of my mortgage because I am going through financial difficulties but every time the check arrives at Flagstar Bank it is not applied to my balance in a timely manner. 
Every time I call telephone technical support, they give me inconsistent answers and even the telephone advisors lie to me. I have never had the same response from telephone advisors in each of the many times I have called for my payment to be applied to my balance. 
The only way my payments have been processed is by making formal complaints with government authorities. Please apply the checks sent by the government to my general balance because I already owe a lot of money and the checks are in the possession of Flagstar bank. 
You should already be in possession of two {$1300.00} checks, apply them to my current statement and any balance where I am owing money. 
I am desperately asking for help because I just want the payments to be implemented. 
Thank you. HELP.
Product: Checking or savings account

Opened a Chase Checking account just about a week ago. The next week it closed and they have not even sent my debit card yet. I had a total of $ XXXX deposited in the account and it was just closed without prior notice. I need to pay my bills and need to buy food. I don't have access to MY money. This act of Chase should be illegal. I never write complaints to companies or any reviews but this is actually my first because this is outrageous. DO NOT bank with chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX ( XXXX  XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX  has deleted the incorrect account. Experian and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX  XXXX XXXX  sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
Product: Student loan

I have submitted multiple complaints to Mohela as they have an embedded error on my account that no one has fixed. I was placed into a processing forbearance on XX/XX/year> due to the XXXX plan processing. During this time my account transitioned to the new platform. Mohela incorrectly billed me for XX/XX/year> even though I was in a forbearance. I have called multiple times and spoken to reps and supervisors who verify I should not have received a bill and I am not past due. The supervisors told me a special team needs to fix the embedded past due issue, but it has been XXXX months and my account still shows past due, which is not accurate. I am providing documentation from Mohela that verifies I was in a forbearance on XX/XX/year>, therefore I should not have received a bill and I was not past due. I have called numerous times and requested updates but no one has fixed my account or provided feedback. They have verified my account is not past due and I should not have been billed in XXXX as I was on a processing forbearance, but my dashboard and when I call in, it reports my account is past due. I've been told I am not delinquent, but no updates have been provided and no follow up from Mohela to fix this error on my account which is their embedded error and not my wrong doing.
Product: Debt collection

I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information. 

This company continues to contact without any proof or validity of the debt.
Product: Checking or savings account

I opened my checking account at Bancorp south on XX/XX/XXXX with XXXX XXXX at XXXX XXXX branch in Texas. Since that day I been trying to enroll in the online banking and the system always give error. I tried to contact several times to the representative who opened my account and she is not helping or fixing this issue.
Product: Credit card

Received an inappropriate letter from Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. They wanted me to update my AutoPay email alert settings. The account they referenced is closed and has been for sometime. We do not answer or even open their emails since we do not do business with them. This letter 'scared ' my wife, wondering what was going on. Can you stop this kind of harassment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Prince Parker and Associates XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Date : XX/XX/2023 Whom it May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within XXXX XXXX XXXXXXXX XXXX days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Vehicle loan or lease

I am not able to access my account or see the letters they are sending to me and I think XXXX XXXX is behind this or a girl named XXXX that lived on XXXX XXXX XXXX XXXX in XXXX with a guy that looked like XXXX XXXX. I think one of these women is committing identity theft on me. When I call my bank it asks about a personal or business account. I did not open a business account with them. My bank will not let me dispute to transactions on my personal bank account. 

I want XXXX XXXX license to practice anything revoked. I get emails from businesses and many times the representative 's name is XXXX. I have had it with this woman and i want to file criminal charges against her and I want an injunction against her. She is a criminal and she won't leave me alone. She is messing up my finances on purpose. I think she XXXX have followed me to a XXXX XXXX to XXXX XXXX XXXX during the spring of XXXX and then went to the XXXX XXXX XXXX ATM and XXXX XXXX did absolutely nothing and I gave them the description of the silver XXXX XXXX and the woman and the plate number. XXXX XXXX or the XXXX from XXXX is a fraud. The XXXX I met in XXXX had XXXX XXXX and she looks like XXXX XXXX kind of and there is also a XXXX XXXX that is an XXXX XXXX who looks like XXXX XXXX. She needs to leave me alone!!! I don't live in XXXX  and have not for almost a year. She is never going to leave me alone. She has no jurisdiction over me and this is aggravated harrassment and stalking from her agency and they do not have the legal right to do that to me.
Product: Payday loan, title loan, personal loan, or advance loan

On Friday, XX/XX/scrub>XXXX XXXX  I logged into my SoFi account where I have a personal loan at a rate of 9.18 %. Interested in consolidating some other credit card debt, I applied for a new personal loan. SoFi 's online portal originally gave me an offer of an {$81000.00} loan at an 18 % interest rate and a 5 year term, with a screen that reflected " {$81000.00} will be deposited into your bank account ''. 

The loan went to underwriting and later the same day around XXXX I received a call from someone at SoFi who said they were reviewing my loan application and they had an offer for me. The new terms were {$81000.00} at 17 % interest rate but a 4 year term vs the 5 year term originally applied for. I verbally agreed to the shorter term at the lower rate and the agent said that they were going to send me docs to sign. 

What was not disclosed to me was that part of those new terms were refinancing my prior loan at SoFi which has a roughly {$50000.00} balance into the new transaction. I received the digital signature page while driving and signed it based on my conversation with the agent. 

This morning I logged in to check on the status and noticed now on the a full computer screen vs my phone that they had refinanced the previous 9 % loan into the new 17 % loan. I would never have agreed to take the loan had I been clear on those terms. I contacted SoFi and asked them to cancel the loan as they had not funded it yet. They refused and pointed to the TILA disclosure which I had signed on Friday evening which in a box below the signature loan shows that they were rolling the old loan into the new one. Roughly 3-4 business hours had elapsed since my signing of the document. 

Ultimately I suppose I should have read further down the TILA document but at the same time I can't help but feel like the SoFi agent was intentionally deceptive in not fully describing the change. They still refuse to cancel the new loan even though it hasn't funded yet. My intent of refinancing some credit card debt into a term loan at a lower rate has now backfired completely. SoFi took my 9 % interest rate loan and turned it into a 17 % interest rate loan. This is a huge interest hit and financial nightmare. I'm trying to get out of debt and this has effectively made the problem worse. Its predatory practice to refinance lower rate debt to much higher rate debt and conceal those terms.
Product: Mortgage

Second trust deed against my primary residence that was foreclosed in 2014. They continue to call and send letters and improperly reports to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items that i have disputed with Equifax that does not belong to me an is a result of identity theft I am aware that 15 usc 1681c-2 states that the information must be removed not later than 4 business days after receipt of a copy of an identity theft report which i have included.
Product: Student loan

Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute the removal of my XXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. This is a valid account that should be accurately reflected in my consumer report, but it was removed on XX/XX/year>. 

Please take immediate action to reinstate this account and ensure it is properly reported. Let me know if further information is needed. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I made a XX/XX/19 payment to HSBC bank for a consumer credit card ending in XXXX through an auto-payment set up to take the entire statement balance out of my account. 

Unbeknownst to me, the payment failed due to insufficient funds in the payment bank and the issue I have is that the credit card company HSBC failed to post the failed payment back to my account for 31 days and they waited to post it back to my account until a day after the next autopay posted ( the autopay was set up to pay the full statement balance on XX/XX/19 which did not reflect the returned payment ). HSBC waited until XXXX to post the returned payment. 

When I researched with the payment bank, I learned the payment was attempted and failed on XX/XX/19. The funds were never taken out due to a hold that was on a check that I had deposited. Thus HSBC ( the credit card bank ) would have had a failed pay and known that within 3-4 business days that the funds failed to come out of the payment bank, yet they sat on the return payment without posting it so that it wouldn't be paid off in full with the XXXX autopay, allowing them to unjustly enrich themselves by collecting additional interest from waiting until I received the XXXX statement ( 2 statements later ) and noticed that there was a problem. Any ethical bank would have posted back within a few business days and then at worst the funds would have been taken out with the next auto-payment. At best, they would have sent an email notifying three days after the payment that there was a payment issue ( I have email spam from them constantly so they have no trouble sending to me ). According to HSBC 's operators, no attempt was made to notify me there was a problem with a payment. 

On XX/XX/19 I spoke with several operators and several supervisors/operators that were supposedly managers with the company yet didn't seem to have any authority to resolve what seemed to be a fairly straightforward issue. Two of the four operators were XXXX XXXX, XXXX XXXX # XXXX. 

Had HSBC posted the failed payment back to my account in a timely manner, I would have been able to immediately taken care of the issue through autopay in XXXX or a manual payment. Since they didn't post the failed payment in a timely manner, when the returned the funds back they posted it on XX/XX/19 yet did so retroactively to the original payment date yet and thus charged me massive interest in arrears which I had no idea were accruing. 

All interest charges should be reversed since HSBC did not post the failed payment back in a timely manner so that 1 ) the following month 's XX/XX/19 autopay would take care of it, 2 ) or I could personally take care of it through an additional manual payment. I've already set up a payment for the failed payment as soon as I realized there was a problem which was on XX/XX/19 when I noticed the problem upon logging into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  which they received on XX/XX/XXXX asking for validation of a debt that XXXX stated I owed. XXXX XXXX XXXX  was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called RGS in the amount of {$1.00}, XXXX in which I was never notified by RGS via mail in reference to this debt, lastly I received a bill from a company by the name of XXXX for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by RGS, I ask that my information be taking from XXXX XXXX  and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
Product: Credit reporting or other personal consumer reports

I wanted reported accounts removed from all creditors ( Equifax, XXXX, XXXX ). These are the accounts that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Related case XXXX can TransUnion put up such a fight to remove items from XXXX XXXX XXXX when XXXX has admitted that there is no proof of me being late on this credit card listed on my file? 

How can TransUnion say an they have verified an item with the original furnisher when the original furnisher ( XXXX ) has addmitteed that they do not have a record of me being late? Please see attached recorded call. 

This raises a lot of other issues including, but not limited to FCRA section 623.
Product: Checking or savings account

To whom this may concern Over the last seven to eight month this bank has had issues with their online banking. I have made a few reports of this with little help in return. This has become larger problem once the online banking system began to lock me out every three to four days. Being that I have business checking accounts there at a lot of transactions on my accounts. Being locked out at random times such as over the weekend or in the middle of the night has caused me to be hit with over draft fees. This is becoming very suspicious to me. I have banked with this company with out these issues over 4 year and all of a sudden I can't properly enter my passcode correctly? which is the reason they told me this keeps happening. I feel very much disrespected and ignored over the last two months trying to get help with this issue. 

The attached images will show you how often the system is starting to lock me out. It is very clear that something is wrong. I have been using their on line banking for year without this issue and all of a sudden their saying I can't properly enter a password every few day?
Product: Credit reporting or other personal consumer reports

Again I asked cfpb to have affirm address the inaccuracies in my credit report. 

The experian report shows inaccurate information on balance. Inaccurate information on when loan was paid. 

Please do not have XXXX  respond by stating the terms as the terms are irrelevant. 

XXXX must address the evidence for clarification without deceit.
Product: Debt collection

I am disputing this automobile collection account as it does not belong to me. The account for OMNI world Financial with the last XXXX digits account number XXXX is fraudulent and not my responsibility. I have never purchased this vehicle, never applied for financing for this vehicle, and have no connection to this debt. I request a full investigation and complete removal of this account from my credit report. I am prepared to provide additional documentation to prove this account is not mine. Please investigate and remove this fraudulent account from my credit report immediately
Product: Debt collection

The Law Offices of Erskine and Fleisher ( representing XXXX XXXX ) filed a Writ of Garnishment ( Circuit Court Case # XXXX ) to my bank XXXX dated XX/XX/XXXX. I received a letter from XXXX on XXXX XXXX, XXXX, advising that approximately XXXX was garnished from my checking account. On XXXX XXXX, XXXX, I received a Notice of Garnishment from Erskine and Fleischer. I settled this matter in XXXX XXXX. The XXXX XXXX account was sold to XXXX , XXXX on or about XXXX XXXX, XXXX. I settled this debt with the attorneys for XXXX XXXX and a Voluntary Dismissal with Prejudice was filed in Circuit Court Case # XXXX XXXX XXXX, XXXX.