23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I was charged a renewal fee for a majic XXXX XXXX I thought was cancelled and one that I haven't used in 8-10 years. I called the Capital one fraud dept and filed a claim and they said that their information from their investigation shows that I or someone else benefited from the transaction, when I asked for proof of this they could not provide any that made sense like phone records or other payments to XXXX XXXX in the last 8 years and after talking several folks they said they wouldn't change their dispute findings and would be billing me for the {$45.00} charge. When asked how a company I haven't done buisness with in almost a decade can make a charge on a old Credit card they said their was a Grace Agreement with mastercard and XXXX XXXX that they would charge to a new card number any charges that may have been made on an old card. I also called XXXX XXXX and told them what was happening and to please cancel my card the representative said she couldn't cancel my account over the phone and that I would have to do it online, so with her help I logged into an cancelled my account I thought. After I talked with Capital one again about this they said I should call XXXX XXXX which i did again today and asked about my account status ; the XXXX XXXX representative today said my account was still active and that it was impossible to cancel it online. She then said she would send a request to upper MGT to cancel this account and that it should be done in 3-5 days she gave me this cancellation number XXXX. Again I haven't used this service in 8-10 years and was billed for services never received on a credit card number that I never gave out. The XXXX XXXX rep said that because I filed a dispute on this charge that they could not reverse and Capital one says because I or some one else received benefits from this billing ( which is wrong ) that they will not overturn this obvious injustice and will collect from my new credit card these charges from XXXX XXXX. After hours of no help I have no where to turn for justice Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening my name is XXXX I have an account in XXXX and they send me reports about my credit and I just got 2 different hard credit inquiries in 4 days without my authorization and without asking for any loan or new credit car at all in the last months. 
just want to be sure there is not any problem with identity theft. 
this are the companies and dates : XXXX XXXX XXXX on XX/XX/2020 Comenitycapital/XXXX XX/XX/2020 XXXX
Product: Credit card

Mailed payments in the form of remittance coupons were sent " certified mail '' to BARCLAYS, with U.C.C codes 1-308 ; 3-602 ; 3-603 ; 3-604 and are not reflecting in the statement of account. payment amounts of XXXX XXXX XXXX XXXX XXXX XXXX correspond with statement balances for XXXXXXXX XXXX XXXX, XXXX, & BARCLAYS are failing to adhere to the Uniform Commercial Code, regarding tender of payments to party authorized to enforce instruments, that are rejected, create discharge to the extent of the amount tendered. XXXX XXXX XXXX instead of adhering to the U.C.C. have chose to report fraudulent information regarding debt and unauthorized credit file inquiries that are harming my Social Security Cestui que Trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts and inquiries in my report and found that I need to visit FEDEDAL TRADE COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts and inquiries listed in my credit report. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report.

Here is the list of accounts/ inquiries which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, commenity bank ( XXXX XXXX credit card ) reported by account past due after I had made full payment towards my balance. Dropping my score over XXXX
Product: Vehicle loan or lease

I purchased the vehicle XX/XX/year> and was making payments. My XXXX went into the XXXX and this company put us under the XXXX XXXX XXXX XXXX. payments made were returned to me as I was told by XXXX XXXX that the loan was charged off and I was getting the title. This company has not contacted me in collecting a debt or any other services and I have been waiting 9 years for my title. I contacted the company today and they are attempting in getting the release of the title to the vehicle and the company is trying to collect on a debt that is over XXXX XXXX XXXX. I contacted the state of XXXX XXXXXXXX XXXX XXXX XXXX which the statue is XXXX XXXX XXXX.
Product: Debt collection

About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, XXXX XXXX, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was updated to XXXX but the remark needs to be closed it was never charged off and as bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

payment never late fix it or remove it FCRA law : XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX request Next will file FTC if not corrected
Product: Credit card or prepaid card

I call Barclaycard XXXX XXXX after XXXX  XXXX, and ask for a extension on my mountly payment last XXXX, now I got the statement and they charge me late fee XXXX}, when they toll me you do n't have to make a payment until XXXX. So now I have to make a payment for XXXX and that include the amount due in XXXX, XXXX late fee and XXXX due amouth. That 's Not fair for me that 's why I making this complaint.
Product: Student loan

I recently had XXXX  XXXX on XX/XX/XXXX. Prior to this date I spoke to Navient regarding my being out on XXXX until XX/XX/XXXX. I was told to wait until I had the XXXX and then call and to ask for financial hardship. I called back on XX/XX/XXXX after being XXXX XXXX XXXX XXXX and was basically told that there was nothing that they could do for me and that there is no such thing as a financial hardship forbearance. I explained to them that this will force me to go into default if I can't pay them due to limited income. I asked for a three-month consideration and upon my return to work I would be able to play catch up. Again, I was told they could not help me. Since that time NAVIENT will call me several times during the course of a day and on weekends asking me about my payment. I keep explaining the same thing to them but to no avail they keep calling. I am not expecting any miracles but if they noted my record then it should show up when they get ready to call. I am trying to recuperate from my XXXX, but this is now causing undo stress on me. I am not asking NAVIENT to bend the rules, but you mean to tell me that there is nothing they can do for me except to harass me on an everyday basis.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX domestic wires for {$10000.00} totaling {$20000.00} was initiated with HSBC from XXXX XXXX XXXX. 
On XX/XX/year> XXXX XXXX XXXX requested return of wires of ( 2 ) {$10000.00} from HSBC. 
HSBC refused tio reply and no correspondence was sent back to XXXX XXXX XXXX made several numerous followups. 
On XX/XX/year> HSBC confirms receipt of recall wires from XXXX XXXX XXXX. 
HSBC stated will return the wires upon receipt of Hold Harmless Letter. 
On XX/XX/year> XXXX XXXX Bank Manager sent the Hold Harmless Letter to HSBC the HSBC rep confirmed with XXXX XXXX Bank manager has receipt of Hold Harmless Letter. 
On XX/XX/year> to current date XX/XX/year>. 
XXXX XXXX XXXX have not received the 2 wires of {$10000.00} totaling {$20000.00} no wires are been return to XXXX XXXX XXXX.
Product: Mortgage

conventional loan from Citizens bank has a 1st loan from Citizens and a 2nd lien from XXXX which has now been paid in full! There is only one loan now with balance of less that {$260000.00} for which two things need to be done : 1. Loan number XXXX Needs to be reamortized and new docs sent to. Me via email ( XXXX 2. Escrow account needs to be removed since value if home is {$360.00} XXXX! CLOSE ESCROW ACCOUNT EFFECTIVE IMMEDIATELY WHICH HAS NEEN DENIED 10 times or more Citizens has received copies of Discharge from XXXX as well as myself and the Registry of Deeds has removed the lien showing that it was/ is paid off in full via original Discharge letter on XX/XX/2022! 

Copies of Discharge of Discharge of Mortgage for 2 Nd lien attached. There was confusion as to this being a grant found out it was actually a loan that would have added more issues to my home in the long run!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXXXX/XX/XXXXAccount name : XXXXXX/XX/XXXXXX/XX/XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have not missed any payments and made a payment to get account near XXXX  then was told could not use card without an ID confirmation. There was no fraud alert. Then they went dark.
Product: Debt collection

An individual identifing herself as XXXX XXXX from National Collegiate Trust called my husband, XXXX XXXX, telling him they were calling to collect on a debt in the amount of XXXX from the XX/XX/XXXX-XX/XX/XXXX school year. She told him AES ( American Education Services ) made a significant payment XX/XX/XXXX, but the debt was not paid off in full. 

She then asked him to verify the billing address and told him because he was my spouse she could provide him with this additional information. XXXX is not a co-signer on this loan and the notes are currently held by XXXX ( formally XXXX XXXX ).
Product: Credit card or prepaid card

I was approved and took out a Secured Discover Credit Card in XX/XX/2022, and provided a security deposit of {$2500.00}. Discover clearly advertises that security deposits will be returned after 6 months on-time payments across all credit accounts, and sent monthly reminders indicating my progress toward this goal, indicating that deposits are typically returned in 2-3 business days after meeting the 6 month requirement. 

In XXXX, I was notified that I had successfully met all requirements and would be receiving my deposit back. However, at that time, Discover began to stonewall the process of returning the funds as agreed. 

I was told that a check had been sent that never arrived. A customer service representative then told me that a replacement check would be sent, but this was never processed. I was then told that an ACH deposit would be made, only to have a supervisor later inform me that Discover does not have the " capacity '' to return deposits using ACH. 

Further attempts to escalate or expedite the return of the funds were flatly rejected. 

Discover is in obvious breach of its own cardholder agreement and written promises, yet I have no recourse to hold them accountable and have them return my funds, and I seek assistance from the CFPB.
Product: Checking or savings account

My purse was stolen with my credit cards and socials security during my sons football game. I contacted the police department immediately. Weeks later I found out someone had been using my card some how putting me in debt of XXXX. The bank let me know they put a check in my account that bounced somehow.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, I submitted documentation of resolution letter from XXXX to XXXX, Experian and XXXX. 
I have called Experian, XXXX and XXXX and they have have reviewed the letter but they all say XXXX is furnishing this information which is inaccurate.even after I have sent this over several time.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

According to XXXX XXXX ( per my pending complaint ) a ChexSystems score was used to close my account after it had been opened and set up ( approved by a Principal in the company ). I did not receive any notice from ChexSystems regarding a denial or was it clear to me that XXXX XXXX would use a third-pary reporting system without my knowledge. Additionally, the redress option that I was offered from ChexSystems was to order a report because I was denied credit. This is first time I 've even heard of this company as from my understanding the XXXX major credit bureaus determine credit scores. However, this is not the case. The issue I have with ChexSystems is that I was not informed that I was denied an account via XXXX XXXX because of a ChexSystems score. The report I received ( as the letter I uploaded ) indicates I have no history of " mishandled, reported for cause, and/or outstanding debts. '' Either the information that ChexSystems provided to XXXX XXXX was incorrect or there 's another scoring component. Additionally, the language used on the " Inquires Initiated by Consumer Action '' states that " These inquires can be viewed for ninety days up to three years. '' What is the criteria for that? Who determines how long they will stay on the report? Does this negatively affect your score? How can you know your score when the report does n't show it? These are all questions that have not been answered by ChexSystems. It is unfortunate that such an opaque process is used deny consumers the information they need to address an issue that is so clearly important ; understanding consumer reporting agencies and having access to redress issues that are vitally important to a consumer 's financial life.
Product: Credit reporting or other personal consumer reports

There are several are several inquiries that are not mine. On my XXXX its XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've reported fraud of my account on XX/XX/XXXX. Advise them it was a scam. They did an investigation and charged a fee for the reversal and the credit. They determined that it was authorized and will not do any further investigation when I reported that they were pretending to be a US government agency.
Product: Student loan

This complaint is about the servicer XXXX, or actually the Department of Education for granting this outfit a contract. 

XXXX, in their otherwise very user friendly website, has no option to make any payments towards the principal. There are all kinds of repayment options except being able to pay additionally towards the principal. 

Now, why would this be? Perhaps the other repayment options available offer a clue. Indeed, they all maximize loan interest revenue. So, clearly this is a ploy to make it difficult for the consumer to get from under these loans. 

Is that the intention or in the spirit of the Education Department 's mission to get young people to obtain an education and build a life for themselves? 

Do the contract managers of the Dept of Education that  review prospective loan servicers, take that into account, in addition to 20 plus pages of other federal requirements? 

Please pressure XXXX to make this option available immediately or do not renew their contract. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have my credit frozen at all three credit bureaus. I received this alert : " Equifax blocked a new credit inquiry The company shown below tried to view your frozen credit file. 

Creditor XXXX XXXX XXXX " I did not authorize or do anything with this group within the last 6 months and they should not be pulling credit reports of me since I did not authorize this. They have a history of opening credit cards for people without express permission. I haven't even visited one of their sites since XXXX. I did not authorize or sign anything at that time nor would I as I know how notorious they are.
Product: Debt collection

VIOLATING FDCPA LAWS ON REPORTING ACCOUTNTS NOT AUTHORIZED OR VERFIED.
Product: Debt collection

It was in my junk mail but I never receive a loan at all
Product: Debt collection

Midland Credit Management is taking me to court for a account that has passed the statue of limitation. The statute of limitations on a debt in Texas is four years. That means you can't be sued for it after that. Statue of limitation starts on the 1st defaulted payment and does not get restarted. 
Upon doing more research there are lawsuit from many including the CFPB for violating the 2015 consent orders ( attached ) File No. 201 -CFPB-0022 In the Matter of : Encore Capital Group , Inc. , Midland Funding , LLC , Midland Credit Management , Inc. and Asset Acceptance Capital Corp. ,. Also no disclosures of the fees was sent out. Plus using misleading information to validate account. They have not provided account history from XXXX XXXX showing the 1st late payment. They did not show a purchase agreement / bill of sell they are the new owner of account, need to provide a copy of it. Again violating the 2015 Consent Orders. I am asking for them to remove negative credit reporting from all 3 credit bureaus.
Product: Debt collection

Hi, I have unauthorized charges on my card that Barclary did not want to report the charges are fraud but as a dispute. I wanted the charges reported as fraud because I did not do these charges on my card. I have the charges listed below that should be reversed to my account : 1. XXXX/XXXX/15 XXXX XXXX 2. XXXX/XXXX/15 XXXX XXXX XXXX 3. XXXX/XXXX/15 XXXX XXXX 4. XXXX/XXXX/15 XXXX XXXX XXXX 5. XXXX/XXXX/15 XXXX XXXX 6. XXXX/XXXX/15 XXXX XXXX Also I want this remove for my credit for the month of XXXX, XXXX and XXXX for any delinquency reported. I also want the refund of the {$35.00} and the interest charges of {$27.00}. All together this totals {$1700.00} back to my account. I would like this to be done within the next to 30 business days.
Product: Mortgage

On XX/XX/year> my XXXX ended. 

On XX/XX/XXXX I reached out for the payment deferral and was approved a few weeks later. 

In XX/XX/year> Bank of America was notified that there was no need to make any payments for property taxes because I had paid them. 

Despite this Bank of America went ahead and made a payment. On XX/XX/XXXX I notified Bank of America they created an overpayment and a refund was sent to them. 

On XX/XX/year> I received a deferment letter still showing I owed property taxes. So Bank of America wants to get paid twice. 

I spoke toBank of America on XX/XX/year> and was told they indeed received the refund check. However its going to take them XXXX  days to fix their XXXX. 

When Bank of America disregarded my notification not XXXX time but twice I had paid the property taxes and weeks after being notified and given copies of receipts showing the taxes had been paid..for them to go ahead and still include those taxes in my amount due appears deliberate and bad business practices. 

Im the meantime a notice of intent to XXXX will proceed on XX/XX/XXXX.