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

I received an alert from XXXX XXXX that my credit score XXXX significantly last fall. I pulled my free credit report and saw a charge from XXXX XXXX. I called them and found out that there was a XXXX XXXX credit card with my name on it. I told the representative that I did not open the account. 
She then asked me to verify my information. I checked and everything was the same other than my email address and they did not have my work number. I stated again that this was not my account. The woman asked me if I knew who opened it. I said no. She said she would initiate a dispute on their end. 
I then disputed the account with XXXX and moved on. 
I received a collections call from XXXX XXXX in the spring for this account. I told the person I spoke with that this was not my account and that they should not call me again. I alerted them that I had already filed a dispute with the credit bureaus and XXXX XXXX and asked if there was a record of this. He said there was not. 
I then called the number for XXXX XXXX on my credit report. The woman I spoke to said they wanted me to send : A copy of my social security card and proof of my birth date A writing sample My signature written several time A copy of an FTC report I told her that seemed to invite additional fraud and I would not. 
I disrupted the charges again online with all three credit reports and am filing this dispute for fraudulent activity. 
I did not open this account, authorize this account or in any way use it. I dont know who opened it, how they opened it or why. I am asking for any assistance with removing this fraudulent activity from my account. 
I have been the victim of identity theft before and have XXXX and monthly credit monitoring. Most recently, I was a part of the XXXX data breach and the XXXX XXXX data breach. I do have monthly credit monitoring and I do have fraud alerts on all three credit bureaus. 
Any and all help in getting this matter resolved and removing this XXXX XXXX card from my report would be greatly appreciated. I have XXXX credit card and it is in good standing and I would like to keep it that way.
Product: Payday loan, title loan, or personal loan

I applied for a line of credit at my dentist office ( XXXX XXXX ) in XXXX XXXX, FL. in XX/XX/2018. The credit line was to cover for the deductible payment my health insurance wouldn't cover. I applied with the receptionist desk & they advised that my line was approved for {$1500.00} and I agree use the amount to finish with my XXXX   XXXX/XXXX. 
After paying my account for more than a year - I reduced the total amount due to {$1200.00}. However in XX/XX/2018/ I was charged {$430.00} in interest charges on purchases. 
I did not use this line of credit after my XXXX  XXXX and have been making on time payments usually paying a little more than the minimum due in good faith. 
According to XXXX XXXX XXXX/Synchrony Bank - I now owe over {$1600.00} due to the added interest charge. 
This has caused for my account to reflect " over the limit '' line of {$1500.00} - which has drastically reduced my credit score. They are calling me every day but they will not address my disputes concerning the interest rates and their unethical way of collecting money. 
I have prided myself in building and maintaining a good credit report. I believe this company is fraudulent and are basically robbing me of my money, time & peace.
Product: Debt collection

XX/XX/2022, I received a letter ( and another this month ) telling me that I had to make payment arrangements by XX/XX/2022, or I would potentially get sued for the entire amount. I called to attempt to do so, but they refused to work with me. When I explained my general situation the CSA ( Customer Service Agent ) informed me that I had only 2 options : 1 : Pay $ XXXX/mo or 2. Pay $ XXXX/mo. The first payment would have to be paid by the XXXX, in order to avoid being charged off and further debt would then be collected. This wouldn't be an issue, except for the fact that I can not afford even the lowest option. I explained this, and made a realistic offer for me ( {$25.00} at least until things were less tight financially ). They refused the offer, saying they couldn't accept it, and that payment of at least {$50.00} for the " Hardship Program ''. I said that was unfortunate and gave up. Now, let me explain my situation... 

It's been a very, very financially rough 7 years. I got divorced 18 mos after my daughter was born, in XXXX. He moved out and from that point, til presently, I became a single parent. On top of that, I was later diagnosed with XXXX and XXXX. It got so bad for me financially, that I had to use cards to help pay my bills. Even with child support ( {$370.00} at the time, {$470.00} now ). Because of the XXXX, I can only work part time. I am working on getting on XXXX for it, because it's getting bad enough that I've had to miss work because of flare ups, which is not typical. But it's a long and nearly hopeless process when it comes to this invisible illness. 

I have experience in only 2 fields : XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX, XXXX  XXXX, etc. ). Neither field offers much for income. I had to work fulltime in my XXXX positions to barely make ends meet. As a XXXX, I can at least make enough to ( barely ) survive on. I currently work XXXX at a XXXX XXXX. I am scheduled XXXX hours a week, give or take, depending on appointments. I make $ XXXX plus very few tips ( XXXX {$2800.00} ). I have no XXXX or medical benefits and rely on public assistance ( all that I qualify for ). My rent alone is {$1400.00}, in fact, the sum of only my main, household expenses is {$2100.00}. That doesn't even include gas or other living expenses. I also have liability insurance to pay for if I want to be covered for when I practice massage, among other things. How am I supposed to pay back my credit cards right now?? Even {$25.00} a month is a stretch for me, but I at least offered that instead of refusing to pay it all together. As I stated at the beginning, they refused and were not even willing to compromise on the payment at all. It was a minimum of {$50.00} or nothing. I am a little upset over this, because their hardship program is useless with such a high min payment, with my income. I want to catch up on as much as I can, but household expenses and bills take precidence. I don't see what is so wrong with this. Yet, here I am. I would appreciate some assistance.
Product: Checking or savings account

I am writing to share an unfortunate circumstance that has impacted my financial situation recently. As of XX/XX/year>, my bank account with Wells Fargo has been blocked, leaving me without access to my funds. 

The Wells Fargo representative informed me that their Compliance Department initiated the block due to a suspected match to a name on The Office of Foreign Assets Control ( " OFAC '' ) list. After conducting my own investigation, I used the the OFAC serach tool and found no match between my name and those listed on the OFAC. I believe this discrepancy to be a mistake on Wells Fargo 's part. 

Despite numerous attempts to rectify the situation, including multiple visits to their branch and extensive communication with their representatives, my account remains inaccessible. 

I've attached a copy of the letter from Wells Fargo confirming the blockage of my account for your reference. 

This unforeseen circumstance has directly prevented me from fulfilling my mortgage payment obligations. I just missed my mortgage payment due date plus I was hit by late payment and interest fees on my credit card payment. I am deeply concerned about this, as I value the financial reputation I have built and always strive to promptly meet my financial obligations. 

The financial stress and mental anguish caused by Wells Fargo 's actions have put me in a desperate position. I am concerned for my health and my livelihood. Given these exceptional circumstances, I have decided to reach out to the Consumer Financial Protection Bureau for support with this matter. 

I appreciate your understanding and assistance during this challenging time. If necessary, I am more than willing to discuss this matter further or provide additional documentation. 

Thank you very much for your time and consideration. 

Best Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

Opened a new credit card with an advertised bonus sign-on promotion. Card was locked for a reason not disclosed, and I was prevented from qualifying for the promotion. Bank would not offer disclosure, assistance. or flexibility.
Product: Credit reporting or other personal consumer reports

Under the Gramm Leach Bliley Act ( Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) I have the right to opt out of getting my nonpublic information shared with a non-affiliated third party. My rights were violated because I was not provided with an opt out disclosure. As a consumer, I have the right to privacy and the right to opt out of getting my nonpublic information shared with a non-affiliated third party. Therefore, this account should be deleted.
Product: Mortgage

Our mortgage was in XXXX through XXXX bank. We were processing a partial claim to allow us to resume normal payments in XX/XX/2021. During this process we completed the interview and the partial claim was approved. At that time the mortgage was sold to Flagstar bank. Flagstar agreed that they had received the documents from XXXX and were processing the partial claim and required us to pay over the phone each month until it was completed. 
As of today, XX/XX/XXXX, no resolution has been achieved. I spoke to an escalation XXXX, XXXX XXXX department XXXX ), and he reported that they received the documents in XX/XX/2021 but a notary signature was not legible. I asked who had processed the paperwork and why no one had let me know during any of my telephone conversations each month. He did not provide that information but wanted to see if they can still process the claim or if they need to start the process over again.
Product: Debt collection

I had no account with the company that the scammers gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters haven't got a response I will like all errors to be removed
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Request Permanent Deletion of Inaccurate & Unverified Accounts To Whom It May Concern, I am writing to formally dispute the following accounts appearing on my credit report. Upon review, I have identified multiple violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and IRS 1099-C tax laws, which require the immediate removal of these accounts from my credit file. 

The accounts in question are : XXXX. XXXXXXXX XXXX XXXXXXXX DC Balance : {$1300.00} Charge-off Date : XX/XX/year> XXXX. XXXX XXXX : {$630.00} Charge-off Date : XX/XX/year> XXXX. XXXX XXXX : {$870.00} Charge-off Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : {$4100.00} Charge-off Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} Charge-off Date : XX/XX/year> Legal Violations & Basis for Deletion : Failure to Validate the Debt ( 15 U.S. Code 1681 ) I request documented proof that these accounts are valid, including signed contracts, itemized statements, and an original agreement bearing my signature. 
If the bureaus and creditors can not provide this proof, these accounts must be permanently deleted from my credit report. 

Creditor Name Discrepancies These accounts appear under inconsistent names across different bureaus. Any variation in reporting between Equifax, XXXX, and XXXX is a direct violation of the FCRA XXXX ( a ) ( XXXX ) ( A ) and must be corrected by deletion. 

Failure to Provide a 1099-C for Charge-Offs If these accounts have been charged off and the creditor has written off the balance, the IRS mandates that they issue a 1099-C Cancellation of Debt Form.

If no 1099-C was issued, the charge-off is invalid and must be removed from my credit file.

Unverified Reporting & Potential Re-Aging Violations If the " Date of First Delinquency '' is inaccurate or altered to make the charge-off appear more recent, this violates FCRA 605 ( a ) ( 5 ) and must result in deletion.

I demand an investigation to verify whether these accounts were re-aged unlawfully.

Request for Deletion : Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an account can not be verified or is inaccurately reported, it must be deleted from my credit file permanently. If these accounts are not fully validated with legally required documentation, I demand that they be removed within 30 days of receipt of this letter.

Please provide me with written confirmation of deletion or verification results. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I believe Amex is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ). 

On XX/XX/2021, I opened a billing dispute ( dispute ref # XXXX ) with American Express regarding a merchant that had processed a charge which I did not recognize, nor from whom did I receive merchandise or services from. American Express is now in possession of ample evidence ( which I reattach as exhibits ) that I have returned the item and am entitled to a refund. I have supplied Amex with a XXXX return tracking confirmation, and 2 separate commentaries from the merchant itself that it has received the item, that a refund is due to me, and, most recently, that its records indicate a refund has been issued. This alleged credit by the merchant has not been posted, and should have appeared by this point. 

In the absence of any evidence that I transacted with this merchant and/or retained the item, or in fact any documentation at all, Amex still refuses to issue a provisional credit for this amount, which, in my view, suggests bias in favor of the merchant during this investigation. There is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times.
Product: Credit reporting or other personal consumer reports

Yo Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through XXXX XXXX or XXXX is just too much of a hassle Thanks for gettin me
Product: Debt collection

This is a collections attempt for a $ XXXX balance with XXXX XXXX XXXX XXXX XXXX . The balance was paid on XXXX XXXX, 2016 to the doctor 's office directly for the full balance. I received phone calls between then and XXXX XXXX, 2016. I called in and informed the company that the debt had been paid. I asked them per the Fair Debt Collections Practices Act, to cease further communications on the debt. I continued to receive phone calls and then received a letter today on XXXX XXXX, 2016 about the debt. I called in and spoke with a collections supervisor, XXXX XXXX, about the continued collection attempts after my cease and desist. I informed her that if there were any additional collection efforts on this bill, I would be consulting with an attorney. 

I appreciate collections efforts within the scope of the law, however, collecting on a debt that has already been paid is illegal.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Capital One has not provided requested information including their PHYSICAL mailing address for filing a notice of small claim, this was requested in prior complaints, a XXXX XXXX replies with a website address. Capital One placed a stop payment on a close out check in error, reissued it, intercepted by a third party. The funds were not received by myself and I believe Capital One is aware of this, refuses to do anything further. A small claim needs to be filed for missing funds, a total of XXXX. Messages have been left, seven in total, for XXXX XXXX and not one returned.
Product: Payday loan, title loan, or personal loan

I have been a customer of BMO Bank for decades. Several months I inquired about a personal loan to consolidate my debts. I was told by the banker that I needed to raise my credit score to XXXX. She told me my payment history was very good, but I filed bankruptcy in 2016 so I needed to show improvement. I did what she said and got my score to XXXX. I inquired again and was told by a different loan officer that I needed a credit score of XXXX and that BMO primarily pulls from XXXX. I continued to persevere, and got my credit score to XXXX. This past week I reached out to my local Branch and inquired again. I left a message on Tuesday, no reply. I called on Wednesday and spoke briefly with the banker and she said she would call me back. Didn't happen. Today, Friday XX/XX/XXXX. I finally was able to speak with her. I specifically said I did NOT want my credit report pulled if the bankruptcy would effect the decision. She told me since the bankruptcy was 7 years ago, not to worry because they just go back 3 years. I told her to go ahead and pull it. I was denied. She said the underwriter denied my application because of : 1.bankruptcy 2. I had 2 late payments 5 YEARS ago. 
3. I used more than 20 % of my available credit!!!!

Let me say, I was livid! How many people have they given loans with late payments in the last 3 years? During the pandemic and the high rise in inflation, I still managed to make on time payments, pay more than the minimum, and raise my credit score. How many people can say that? I also OWN my home. So to go back 5 years and use 2 late payments against me is morally and ethically wrong. I don't know anyone of average means that does not have credit card debt. I feel discriminated against! I did what BMO told me to do. I jumped through their hoops and they kept changing the rules. Today, after telling me I was denied, the banker said when I got my credit score to XXXX and my usage below 20 % to come back. Is this the criteria for everyone applying for a personal loan? I was not seeking to go further into debt. I was seeking help to get out of debt faster. 

This is BMO 's Mission Statement : Banking is our personal commitment to helping people at every stage of their financial lives. 

Where is there commitment to me, a loyal customer for decades? Shameful they can keep changing the rules. Now my credit will take a hit because of the hard inquiry. They hurt my credit and did not help me as I was led to believe.
Product: Debt collection

I am receiving repeated calls from someone at a collection agency on behalf of American Express. They have contacted me repeatedly about a debt that belongs to my father. They always begin the call by stating that I am not responsible. They then proceed to ask me a series of questions about my father, his intentions to pay, and when and how they can speak to him. This has been going on for months. I have repeatedly requested that this man, and I believe that it is the same individual, stop contact me at my mobile number.
Product: Debt collection

Found a credit card on my report with Credit usage 109 %. CAPITAL ONE. 
Date opened XXXX XXXX XXXX Highest balance {$420.00} I've never applied for this card and never used it. not my debt
Product: Checking or savings account

Complain regarding denial of fund withdrawal by Bank of America I attempted to withdraw my money from BAnk of America but the bank closed the accounts checking account and the saving account and the 4 credit cards and denied to let me withdraw my funds from my checking and saving accounts and I dont have any money to pay my bills at the moment from XX/XX/XXXX XXXX until that time XXXX XXXX Every time calling the bank to withdraw my funds. The bank denied that attempt. Despite meeting all identification and security requirements This restrictions have caused me financial hardship and distress mentally and I rely on this funds for my essential living expenses I am now have no access to my accounts and closing my accounts I am requesting CFPB assistance to facilitate resolution and I am requesting also a compensation for XXXX $ per day from the date of closing my accounts till the date of resolving my issue. I am requesting the withdrawal of my Funds from the bank of American as well
Product: Debt collection

Debt was settled by the original creditor ( XXXXXXXX XXXX  ) This debt in bankruptcy proceedings
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was lates on these accounts but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXX Balance {$900.00} ; XXXX XXXX Balance {$1400.00} ; XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00}
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX from Offleaseonly on XXXX XXXX XXXX in XXXX, Fl XXXX, on XX/XX/XXXX with a extended warranty. Things seem to fine ; about a week later I received the certificate for the extended warranty and it had the wrong make, model and vin number on it. I called XXXX XXXX ( finance manager ) that close the deal with me, she said she would check into it. Before I called her I called customer service and they contacted her, so on XX/XX/XXXX I called her and she text me back to say she was aware of the wrong info and that she would take care of it the next day. But that never happened. I have text messages of our conversation and also with whom I believe is someone from the warranty company saying that the vehicle I purchased was ineligible for the extended warranty. Now, I'm super concern of what I've gotten into. I immediately took the SUV back to them in the same condition I got it!, I left it in the front parking lot and I met with XXXX XXXX and left the key to the SUV with him. Since, that time its been a lot of lies and excuses everything but returning the check to XXXX and my {$500.00} to me as requested.That 's all I want so my credit won't be marred. I have proof of everything I've said. Unfortunately unable to provide. Checking with Attorney too!
Product: Credit card

I believe that Citi is inappropriately not allowing people to sign up for automatic payments, in order to capture more late fees. I have called multiple times to Citi and have asked if they can switch that option on as every time I try to do this online, it wo n't allow me to. I 'm repeatedly told they are not able to do help me and I have asked to talk with a supervisor multiple times and not been transferred to anyone that can help me - either by switching this option on or by helping me through the technical issues when I 'm try to do online. I have tried from different internet browsers as well ( e.g. XXXX and XXXX ), and still does not work.