23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to you to lodge a formal complaint against Zwicker and Associates regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. 

It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. 

Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices.

b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting. 
c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices. 
I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.
Product: Checking or savings account

I was trying to open a business checking account with Bank of America online, but I was declined and no reason was given. I went to the branch, they couldn't open it for me because it was an online offer, they didn't know why I was declined. I called BoA and they just told me I can re-apply. I re-applied but I was declined again with no reason given. 

I am asking for the reason why I was declined and if there is a resolution to it.
Product: Credit card or prepaid card

Due to the nature of how this company closed my account when I was always current with payments I 'm disappointed at the fact that this is still showing on my credit report. I have n't applied for the store credit card since it was closed. The card was closed by a phone representative mistakenly several years ago when she assumed that I wanted to close the account. Once I found out that the card was closed I called to see if I could have the credit line again and I was denied. The phone agent closed the account without asking me for confirmation and since then I 've never had the opportunity to have a credit account.
Product: Credit reporting or other personal consumer reports

This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a XXXX XXXX and a debt removal form earlier this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft EXETER FIN Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

I moved to XXXX in XXXX, 2020, before leaving i closed out my state farm credit card, which was used solely for the purpose of an automated monthly payment of my various XXXX  XXXX  XXXX  policies, before leaving i asked my agent what would be owed after my departure, and provided alternative credit cards for those payments, i closed out the card with a XXXX  balance, and that day, the automated payment was posted, if it was posted before i closed the account, i should have been notified by the representative that i held a balance and i would have paid it then, if it was posted afterwards, it should have been denied and i would have happily paid it with another card, i was never notified, the bill could not be forwarded to XXXX, they spent time calling my old landline i had disconnected a year before, by the time they called my cell on XX/XX/2020, i was 2 months overdue and in internal collections, i paid it that day, XXXX dollars and change, routing monies from my american bank, state farm refused to provide proof of payment, after a hassle of many days, they gave it to my agent, i then took the documentation showing i had a closed account with a XXXX cent balance, and bank documentation of the routed funds, and sent it off with a written dispute to each of the 3 credit bureaus, i followed up with online disputes after phoning each, they refuse to remove the late status and my credit score plummeted from XXXX to XXXX, i am soon returning to the us and want to purchase property, after spending a lifetime with perfect credit, this is infuriating, as i did all that i could ponder to meticulously prevent just this type of issue, i do not know if it can be reversed or removed now that it has been paid in full and there are extenuating circumstances, i beg for your assistance if anything can be done, and i thank you, in advance, for taking the time to read this complaint ...
Product: Payday loan

This company called me claims to be XXXX XXXX XXXX they say I owe them XXXX. I have never had a online loan done and she had provided me with my own ssn and email and phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to you to remove the fraudulent accounts I found you have been reporting on my Credit Report. I believe I am a victim of Identity theft and these accounts were the results of such crimes. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here are the accounts that I need you to remove from my Credit Report ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2700.00}. I have read that according to the Fair Credit Reporting Act section 605b, you are required by law to have any accounts and information removed from my Credit Report as soon as possible. Please comply with the Fair Credit reporting Act aand have the disputed accounts removed from my Credit Report as soon as possible.
Product: Checking or savings account

I stop by Bank of West branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, CA XXXX. I request a check to be cash it. I was questioned, if I were a Bank of the West customer? I respond it with a NO. I was explain that in order for them to cash my check they will deduct a charge of {$7.00} dollars, XXXX XXXX XXXX question me, why I did not cashed at my bank?, Reluctantly, I request for the check to be cash it. XXXX XXXX request my California ID and proceed to write down my license number and all the information in my clients check. I stop her, I told her clearly, I was not giving permission to provide my personal information to my client or anybody else, she could write the information into the bank computer system but not to my client trough the check. 
XXXX XXXX told me that it was procedure and if I want the Bank of the West check cashed, she will need to do written down in my clients check. I told XXXX XXXX that was not true and I need it to speak with her manager, her respond was that she was at lunch, if I want it to wait for her. I request for the check to be return it to me, that I will complaint about the charge to cash a {$500.00} dollars check and to the fact the she was giving my personal information to the check account holder without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves the XXXX XXXX XXXX XXXX XXXX XXXX any other way that XXXX may be reporting on our credit reports, that on my wife credit report changes were made to the account that lowered her credit score. And the XXXX reporting on my account has been deleted entirely from from Equifax credit reporting. 

Please reinstate both XXXX accounts to our credit reporting and then lock them from being further manipulated. The account was claosed back in XX/XX/2021 and therefore should not have been altered or deleted. And in a phone call into the company confirmed that any changes made to the two accounts would not have happened from them, because they confirmed that they do not alter or make changes to a closed account. 

Can this be fixed as I have already opened a couple of previous complaints on the same matter, but much like with ever other complaint I've filed against Equifax, nothing ever gets any attention or is corrected. So to be clear, there is no need to check with the provider because XXXX did not later the accounts nor would they from what I'm told
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

These XXXX statements on my credit report are showing on my credit report. need to be removed off report asap. 


# XXXX # XXXX XXXX XXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX
Product: Debt collection

XX/XX/2018 I submitted a identity thief package for {$1200.00} & {$440.00} to remove from my credit report because their fraudulent charges.
Product: Mortgage

I am trying to complete a refinance on my home mortgage, changing it from an FHA to a conventional loan. I ordered a payoff on XX/XX/XXXX good through XX/XX/XXXX since this is an FHA loan I have to pay interest good through the XXXX of the Month. When I notified I was not going to be able to close on my refi by XX/XX/XXXX, I called on XX/XX/XXXX and requested a payoff good through XX/XX/2017 knowing I would have to pay a full month interest to close out my current FHA loan. <P/>I have called 3 more times as of X/X/2017 and still have not received an updated payoff. My rate lock is now expiring and American Financial Resources does n't seem to know how to process an updated FHA payoff in a timely manner.
Product: Debt collection

On XX/XX/2021, which is today currently as I am writing this complaint that Credit Management , L.P. located in XXXX TX  called my mother and went further than just collecting my contact information. Keep in mind, I am not a minor, I am XXXX, and the debt collector went as far as telling my mother how much I owed and my mother wanted to pay for it, I told her not to since I first wanted to submit this complaint. It is completely fine to ask my mother for my contact information, however this person told her how much and how to pay it, this is inappropriate. The debt was only for XXXX, a internet bill that I plan on paying
Product: Vehicle loan or lease

Subject : Urgent : Request for Assistance Regarding Audi Financial Account Dear Consumer Finance Protection Bureau, My name is XXXX XXXX and I am writing to provide an update on the issue I previously reported to the CFPB regarding Audi Financial. 

Following my initial complaint, Audi Financial deleted all my account information, including my account number, making it impossible for me to make timely payments. Consequently, I have fallen behind by two car payments. Despite Audi Financial 's actions preventing my access to accounts, they continue to report non-payment to the Credit Bureau. 

I kindly request your assistance in addressing this matter promptly. It's crucial to prevent further misinformation on my credit report, as Audi Financial 's actions are beyond my control.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting XXXX inaccurate accounts of collection accounts. I have reached out to XXXX and after a review of the accounts, they removed all 3 collection accounts from my report. I have reached out to Equifax and XXXX multiple times and each time they brush me off and say they have verified the accounts but do not provide documentation to show how, when or if they actually verified the accounts. I want all XXXX collection accounts removed from XXXX and Equifax as since XXXX removed the accounts, that means XXXX and Equifax should not be reporting those accounts anymore.
Product: Credit card

On XX/XX/XXXX, I checked into XXXX XXXX XXXX XXXX. The hotel put a {$100.00} hold on my XXXX credit card ending in XXXX as deposit against incidentals. I checked out the following morning, XX/XX/XXXX. As of today, XX/XX/XXXX, the hold is still pending on my credit card. I called the hotel and was told the hold was released on XX/XX/XXXX shortly after XXXX a.m. ( I forget the exact time he quoted ). I called the XXXX credit card and asked why it was still on hold. I was told it can take as much as 30 days for a hold to be released. But the hotel already released it! Why are they holding on to my money?
Product: Credit reporting or other personal consumer reports

My employer has caused a financial hardship from internal errors resulting in my family having to make our payments within 30 days of the due dates and spread those payments out. Since the hardship, I've been making our payments the following month but within the 30 day timeframe. Capital One does NOT display the past due amount or last month 's balance due on their statements or online. Because of that, I have to try and calculate what the prior month 's minimum payment is. I simply pay half of the total balance due as the balance on the statement reflects 2 months payments but does NOT itemize what the prior months balance was. This resulted in my payments being mis-allocated and Capital One did NOT properly communicate to me that they would report my payment 30 days late, due to a past due balance showing {$11.00}. My monthly payment was {$220.00}. Capital One did NOT notify me or communicate properly that I had a past due balance of {$11.00}. If I had known, I would've just paid it. I spoke with a XXXX XXXX XXXX, XXXX XXXX She confirmed on a recorded phone call that it WAS a Capital One error but I would need to go through the dispute process to have it resolved. My wife and I always pay our bills on time but have recently had to resort to the 30 day window. This is a violation of the FCRA.
Product: Checking or savings account

I lost my phone and when I got another one with the same phone number XXXX transactions was in my email which I know I never made a XXXX account I reached out to XXXX to ask for proof they said they would email me the proof to XXXXXXXX XXXX XXXX which was never received I had to change my number and which my bank due to this
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my XXXX XXXX XXXX XXXX  I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX  has violated my rights XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. 

XXXX XXXX XXXX XXXX XXXX has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX- XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX- XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX- XXXX. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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 r
eporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Upon reviewing my credit report in XX/XX/XXXX I noticed Bank of America had to account numbers listed. One account appeared " closed by consumer '' which I did not close and a new account was opened. 
I then went on Bank Of Americas website that verified the last four digits of the account that was closed. I requested all applications, statements to rectify this situation. Bank of America could not produce in a letter I received on XX/XX/XXXX the letter stated the information my have been lost due to a conversion. I then called customer service XX/XX/XXXX and spoke with XXXX who informed me that this may have occurred to a data breach Bank of America experienced. I was never informed of a data breach nor did I close an account and request a new account to be opened which was done.
Product: Prepaid card

XXXX XXXX - Trying to use two AMEX gift cards to reload XXXX balance. Both were declined, even if I specified an amount less than what was on the cards. Calling the XXXX number on the back takes you to an automated system and there is no way to reach a live person.
Product: Mortgage

I applied for a mortgage with Rocket Mortgage based on the fact that I could get Rocket Money ( based on their commercials and advertising ) for free since I would have a mortgage with Rocket Mortgage. I went through the mortgage process and was happy with the terms, etc. Roughly 1 month after purchasing the home, I was informed that I would not longer have my mortgage with Rocket Mortgage since it had been sold to a new provider-I was also told I would not have to start paying a monthly subscription fee for the Rocket Money application, which was the sole reason I chose Rocket Mortgage in the first place ( I have excellent credit and had MY choice of lenders to go with ). I feel that there has been a bait and switch or I have been duped into taking out a mortgage to get a service for free that I am now obligated to pay for if I wish to keep it. I would NOT have taken out a mortgage with Rocket Mortgage had I NOT been able to get the Rocket Money application for free. I wish to keep using the Rocket Money application but I should not have to pay for it.
Product: Debt or credit management

I had servicesXX/XX/XXXX- XX/XX/XXXX paying {$50.00} plus tax a month, but was charged unexpected fees and charged up front. Items still remained on my credit.