23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received a notice from the State of Maryland that I owed {$1000.00} in taxes from XXXXXXXX XXXX {$240.00} interest and {$100.00} penalty, totaling {$1400.00}. I called Capital One and learned they allowed a private individual fraudulently to cash my estimated tax check dated XXXX, payable to Comptroller of Maryland, in the amount of {$1200.00}. ( The back of the check reads, " Pay to the order of XXXX XXXX, followed by a signature ; she didn't even bother forging my signature and yet the bank still cashed it ). I requested a check image that I did not receive until XXXX XXXX XXXX I spoke with a Capital One customer service rep and her supervisor, who advised me that she was informing an investigator, and that I would be receiving a follow-up telephone call that I never received. On XXXX I sent a letter to the CEO of Capital One, after which I received a voicemail from an assistant informing me that it was too late to refund me the check. On XXXX, I received a notice from the IRS that I owed {$4800.00} in taxes from XXXXXXXX XXXX {$980.00} interest and {$230.00} penalty, totaling {$6000.00}. On XX/XX/XXXX, I called Capital One and spoke with a customer service rep and her supervisor, who confirmed that Capital One allowed the same private individual who cashed the Maryland check to cash my check in the amount of {$4800.00} dated XXXX and payable to US Treasury. The supervisor sent me the image and on XXXX I spoke with an account specialist, who claimed she couldn't locate the check ( though I gave her the account number, check number, date and amount ) but she would " open a case '' and there would be " no time frame. ''
Product: Credit card or prepaid card

In XXXX I opened a charge store account with Comenity for specifically XXXX XXXX XXXX. I have been XXXX  credit my entire life, I was provided a {$65000.00} limit. I used the entire balance many times and paid it to XXXX. Mysteriously in XXXX when XXXX and Comenity ended their partnership, they broke their agreement to provide 0 % interest for purchase for a period of 12 months, they overbilled me and I refuse to pay them money I do not owe. I will never pay them. I am XXXX and pay all my balances in full each month. They also closed my account on XX/XX/XXXX and then couldnt report me for some reason, until XX/XX/XXXX they reopened the account to close it again and drop my credit score XXXX points. I will never pay them and they should be reviewed for ethics and their terms of service should be reviewed by the state. Do not do business with Comenity, after several email and paper mailed letters to resolve it with the bank they ignore all and say because I didnt notice the error within 60 days its not their problem. However I was on autopay set to pay my full balance in 10 months not 12 to make sure I wouldnt insure late fees and finance fees. Good luck Comenity. I will subsequently be closing all of my other Commenity accounts.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX 2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations reported : FCRA 15 usc 1681i ( a ) FCRA 15 usc 1681e ( b ) FCRA 15 usc 1681 ( b ) ( 2 ) Experian has reported that XXXX XXXX XXXX # XXXX is the original creditor which is not true XXXX XXXX XXXX is the Original creditor. Experian failed to sufficiently investigate and confirm how the items reported were deemed accurate. This account does not match my personal information, this account is reporting as a collection account with a ongoing balance that is increasing. This is a FCRA and FPDA violation. Verify by speaking directly to the original Creditor ( XXXX XXXX XXXX  ) not XXXX XXXX XXXX ( third party ). This account has also been reset to 2018, this is a violation has this account was not opened in 2018. Have XXXX XXXX XXXX  verify or delete this account. This item is being reported beyond statue of limitations according to the state of texas.
Product: Debt collection

On XX/XX/ I sent a letter asking for depth validation .Showing I made an agreement with National Recovery Agency XXXX Ive made several attempts asking for validation stating I made agreement with them. They never provided the information. Also the keep showing this account current The original date on the letter is XX/XX/ with credit bureaus report XXXXXXXX XXXX As if the account is open and we had an arrangement made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND  XXXX  are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospital biller  XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I had  service there 1 day  in 2014,  The hospital biller puts  XX/XX/14    on  XXXX  bill and  XX/XX/14    on another for service that occurred on  one  day.If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a Cobra policy in a timely manner.One check for COBRA was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on   XX/XX/14 .A COPY OF  THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  ha d that ch eck cashed ju st two  weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the servic e occurred.The credit  bureaus must get  XXXX  to  certify th e correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted m y credit score b ack up to  XXXX , OVER  XXXX  FICO  XXXX   points.This  willful error of  XXXX ,  XXXX  and Experian and  XXXX  who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by  XXXX  bank that EXPERIAN 'S REPORT put me in the middle tier fro m 14 per cent to 20 pe rcent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVID ENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVE S ONE M ORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.
Product: Credit card

Chase Bank Card # XXXX is showing on all XXXX bureaus. When speaking with the reps at Chase I have been given another name of a collections company. XXXX XXXX Credit. This account was opened in XXXX and should be removed from my credit report. I am not even sure this account belongs to me. The only Chase card I had was dismissed in a personal bankruptcy in XXXX. Chase kept selling the account. Collection companies uncovered during conversations with Chase and credit bureau reports. 1 XXXX 2.XXXX ( collections ) 3. XXXX. Non of these companies have contacted me in writing about this account. Acccording to the FCRA it should come off my report. Please help. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

I paid off my balance of {$1700.00} last month. This month, I got a statement showing a balance of {$16.00}, which was for interest. I called to complain about it, as in the past, when I paid off the previous balance, I did not incur any additional interest, as the balance was XXXX. However, the person I spoke with, XXXX ( XX/XX/18 at XXXX XXXX ) told me I must pay off my balance TWO MONTHS IN A ROW. Since when did they start this? She indicates the interest is for the balance I carried the previous month. This is ridiculous. 

A pure and simple rip off of the consumer.
Product: Credit card or prepaid card

In XXXX of this year 2018, XXXX XXXX, on XXXX XXXX XXXX said that Citi Bank credit card had been charging the consumers too much interest for the last 2 years and that the customer were going to get a refund check in XXXX of 2018. I called my Citi bank credit card on XX/XX/XXXX and spoke to a XXXX XXXX and she told me that she didn't know when and if I was going to get a refund. I know that XXXX XXXX would not make this claim on XXXX XXXX XXXX if this wasn't true. I want my refund. Thank you.
Product: Debt collection

I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XXXX of XXXX. I have now received a collections notice from XXXX XXXX ( PO BOX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As XXXX the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency XXXX services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.
Product: Checking or savings account

My debit card was stolen on XX/XX/2023 and {$1400.00} was spent from my checking account with Wells Fargo. 

I reported this amount on XX/XX/2023 and was given a temporary credit of {$1400.00} to my checking account while they continued to investigate the claim. 

After calling Wells Fargo, I was told that this would be resolved within 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

My credit score per Equifax dropped XXXX points to XXXX as per my previous complaint.
Product: Credit reporting or other personal consumer reports

Inaccuracies reported by 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 for {$830.00} on XX/XX/XXXX, XXXX 

to Experian, XXXX, and XXXX credit bureaus. After I filed disputes, an investigation by Experian was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. 

I also dispute a Hard Inquiry on my Credit Report By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. 

I have raised this issue with Capital One since the pandemic forced my company out of Business. 

Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. 

The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. 

The business is CLOSED. There is NO income. Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years? This is a predatory act on the part of Capital One that needs to be resolved ASAP. 

Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX XXXX Online police report from local sheriffs office along with FTC ( Federal Trade Commission ) Report supporting my Data Breach/Identity Theft Dispute. 
The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX
Product: Mortgage

In XXXX of 2007, I signed an adjustable rate note with XXXX XXXX XXXX, XXXX. As part of that Adjustable Rate Note package, XXXX XXXX had originally included a document that said my rate would become fixed after six months. 

Approximately three months after I signed the note, XXXX XXXX went out of business and XXXX became my servicer. As soon as I received notice in the mail that XXXX had taken over my loan, I went to see someone in person to inquire about the changes. 

When we discussed the change from adjustable to fixed rate, the XXXX employee said he knew nothing about that. XXXX then said they would refuse to honor my agreement with XXXX XXXX, and never honored the interest rate change we had agreed on. 

Now Ocwen is attempting to foreclose on me, and is charging interest and fees based on rates that do not reflect the original agreement and grossly overcharge me based on incorrect interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am filing a complaint against Aidvantage and the Department of Education regarding unauthorized interest accrual on my federal student loans enrolled in the SAVE ( Saving on a Valuable Education ) plan. Despite multiple attempts to resolve this issue, both entities have failed to address the problem, leaving me no choice but to seek your assistance. 

Key details of my complaint : 1. Loan servicer : AidvantageAidvantage Ticket Number : XXXX 2. Department of EducationFederal Student Aid Case Number : XXXX XXXX. Loan balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXCurrent loan balance : XXXX XXXXUnauthorized interest accrued : {$1300.00} 4. Issue : Interest has been incorrectly charged on my SAVE plan loans during a period of administrative forbearance when interest should not have accrued. 

Timeline and attempts at resolution : 1. Since XX/XX/XXXX, all SAVE plan borrowers were placed into interest-free administrative forbearance due to ongoing legal challenges.

2. I have made multiple attempts to resolve this issue, including four separate phone calls to Aidvantage on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
3. I have also submitted formal complaints to both Aidvantage and the Department of Education, as evidenced by the ticket and case numbers provided above.

4. Despite these efforts, neither Aidvantage nor the Department of Education has taken action to correct the error and remove the unauthorized interest.

5. This situation has been ongoing for several weeks with no resolution, which is unacceptable. 

The lack of response and action from both Aidvantage and the Department of Education is particularly concerning given that : 1. The Department of Education has explicitly stated that interest should not accrue during this administrative forbearance period. 
2. The current forbearance is expected to last until at least XX/XX/XXXX, or longer, pending further developments from the XXXX XXXX XXXX XXXX XXXX. 
3. Even outside of this specific forbearance period, the SAVE plan includes an interest subsidy where the government covers any accrued interest not covered by the borrowers monthly payment. 

I am requesting your immediate intervention to : 1. Ensure the removal of the {$1300.00} in unauthorized interest from my account. 
2. Restore my loan balance to {$72000.00}, as it was in XX/XX/XXXXXXXX 
3. Investigate why Aidvantage and the Department of Education have failed to address this clear violation of the SAVE plan terms and current forbearance mandates.

4. Implement measures to prevent similar issues for other borrowers in the SAVE plan.

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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