23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter in XX/XX/XXXX from Zwicker and Associates regarding a debt for XXXX. The letter indicated I could set up arrangements online so I did for the amount I could afford. The online system only allowed 6 months of arrangements. Due to a death in the family on XX/XX/XXXX, I did not extend the arrangements passed XX/XX/XXXX because I had too much in my mind. When I realized this in XXXX, I called and spoke to a representative of Zwicker who advised legal action had been filed because my payments had not been enough even though I never received anything from Zwicker advising this. The agent offered arrangements and a settlement that I could not afford. I studied all my finances and determined I could not afford what they were asking but I did set up a new arrangement on line that allowed again 6 months of payments. There was not a month of lapse in the XXXX arrangements, however, they are still pursuing legal action against me. They have never advised the minimum they need to avoid suing. I am attempting to pay the debt and they are happily taking the funds from my account. How can they allow arrangements to be made online for whatever amount you enter but still sue? Also, they have blocked me from accessing my account online to change the payment or extend it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4500.00} **Inquiries** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/2020, and under credit score it shows 4 factors hurting my credit score : 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of Sufficient credit history 3. Lack of sufficient relevant real estate account information 4. You have too many delinquent or derogatory accounts I disagree with equifax factors hurting my credit score.My credit card accounts are not recent.I have plenty of credit history.I dont own a house/property and the lack of real estate account information is just ridiculous.This should not affect my credit score if i dont own a house or property.Because i dont own a house or property, Im being discriminated against me by equifax
Product: Debt collection

I paid this debt for my son 2 years ago while he was in XXXX. I have communication from the debt collection company stating that it was satisfied and it shows on his credit report as satisfied. Now 2 years later I get a call from another debt collector representing their call about a legal case in AZ and they sent a process server to my home and went and spoke to 1 of my neighbors about this matter for something that was resolved 2 years ago. When I spoke to them on Monday XX/XX/XXXX they were going to send me their information on the case ( which tells me they knew that it was closed ), however they never sent anything. I have my own records from the debt collector that I dealt with stating that it was paid in full and resolved. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the original debt collector that I dealt with ( XXXX XXXX ) and they confirm that it is paid in full but Ace Cash Express must have sold the debt again to this XXXX XXXX XXXX.
Product: Credit card

In XXXX of 2025 I received a bill for the annual fee on Truist credit card. I called Truist credit services and advised them I do not use the card and to cancel the card. The agent agreed. In XX/XX/scrub> 2025 I received a statement saying I owed the fee plus interest. I called them back and advised I had requested the card cancelled and I was not paying a fee for a card I am not using. The lady who assisted me said the card was cancelled and she would take care of it and remove the fee. On XX/XX/year>2025, I received another statement on email with additional interest charges on the annual fee so I called and spoke to a supervisor she said that there was nothing she could do as it was over XXXX days since they billed me for the annual fee. I asked her if she intended to prorate the fee since I no longer have the card, she told me that was not an option. I am paying for a service I don't have. I think this company is taking advantage of consumers.
Product: Checking or savings account

Direct deposit from school has not been processed by capital one bank since XXXX
Product: Credit reporting

Address listed in XXXX. XXXX is not mine. I have never been to or lived outside XXXX. This was reported as Identity Theft to Law Enforcement in both my my city and in XXXX. My information was used for a XXXX XXXX XXXX XXXX and had a balance owed. I have never had services outside of XXXX. 
Need to have that address removed.
Product: Student loan

XXXX : Graduated XXXX XXXX XXXX XXXX. 

XXXX XXXX : Consolidated my loans. Total financed : {$120000.00}. Terms : Level payments, 30 years, 3.5 %. First servicer was XXXX XXXX. I started making monthly payments for the amount due. Made at least the required payment. No missed payments. 

XXXX : Loans were transferred to ACS. I continued to make monthly payments, and monthly excess payments. No missed payments. I noted that my ACS principal balance did not appear to be declining according to my own schedule ( even assuming no excess payments were applied to the principal ). Over the years, I requested the amortization schedule and other information from ACS many times, but they did not comply. 

XX/XX/XXXX : Loans were transferred from ACS to XXXX. As of XX/XX/XXXX, ACS showed my principal balance to be $ XXXX.This value in itself was not correct. This can be proven by plugging the initial loan terms into an amortization calculator. Assuming no extra payments ( ever ), my balance should have been about {$81000.00}. In addition, according to a policy I was aware of, my extra payments were not being applied to the principal. They were used to advance my due date. As of XX/XX/XXXX, my due date had been advanced by my extra payments to XX/XX/XXXX. That's 17 months of monthly payments. Because ACS had calculated my monthly payment as {$640.00}, this totals {$10000.00} that was not applied to my account before it was transferred to XXXX. 

By my calculation, based on records that I have, the amount that should have been transferred from ACS to XXXX should have been around {$70000.00}. Not {$94000.00}. 

It is well known and broadly reported that ACS mishandled student loan accounts including mis-calculating and mis-applying payments, and that when they were forced to transfer their accounts to other servicers errors like the ones I am reporting did occur. 

To fix this, I would like my opening balance with XXXX to be corrected. 

I have tried to get XXXX to address this, but they say to contact ACS. I can't contact ACS because they are out of business.
Product: Credit card or prepaid card

Good Evening, Money was stolen from my Bank of America EDD card. The money was stolen from a ATM machine in a different city then where I live. There was many attempts to with draw money that I did not authorize and notified that as well to Bank of America. Someone must had a copy of my card to steal the money. I contacted Bank of America and they refunded the money. Then they took it back XXXX months later claiming I was reasonable. They locked my account and I had to manually reopen the account. After many days of waiting on hold countless hours waiting for a representative, I requested video footage of the transactions in question that were made and they stated they will send the video to a local bank for me to look at. They never sent that video and I called XXXX times to make a claim and the claim was closed every time without an investigation. I may want to purse legal matters against bank of America for this. I was without my entitled funds because my account was locked. the total amount stolen was {$1000.00}. I was put in a bad situation that was not my fault and I had no access to medications, food, gas, and basic necessities to live. I have chronic medical conditions which require me to visit the doctor and get medications and be evaluated but was not able to do so because of this.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # 12345, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that Equifax and XXXX XXXX, XXXX have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my Equifax and XXXX credit files. 
Partial account number XXXX. 
XXXX XXXX XXXX thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. 
If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15USC 1681s-2a AND 15USC 6801, 15 USC 6802 According to this laws this credit institution has violated my right and need to do the rights thig by deleting this charge off of my account because according to IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted Transunion, XXXX  and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX IS STILL REPORTING AFTER THE S.O.L..EXPIRED AS WELL AS RE-INSERTED BACK ONTO XXXX  2012 AND XXXX 14 TIMES. SEE  LETTER FROM XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute with Capital One Visa for a purchase of knit pants and a top for {$450.00} on XX/XX/2021 on XXXX. 

On XX/XX/XXXX, I received a rejection letter from Capital One with no clear explanation. When I called customer service, I was told the reason for the rejection is that Capital One can not rule against a merchants refund policy. The refund policy was clear : the items were not eligible for a refund because they were knitwear. 

However, the merchants refund policy is not clear. On the one hand, it says full priced merchandise is eligible for a refund, and discounted goods are not. The items I purchased were full priced. On the other hand, it says items which would normally be eligible for refund because they are full priced, are not, if they are XXXX XXXX and they are part of a temporary pop up. But when a consumer looks on XXXX for a XXXX XXXX pop up, there isnt one. There is no other knitwear offered on the site, but if there were, the policy goes on to say, they would not be eligible for a refund. Since the items I purchased were XXXX XXXX, not other knitwear, and not in a pop up, I assumed the exception to the refund policy did not apply to me. For all I knew, given the temporary nature of pop ups, there used to be a XXXX XXXX pop up and the merchant had taken it down from the site. 

Normally, a reputable, well-designed e-commerce site is clear about any exceptions, or about special categories, such as pop ups. For example, if the goods are part of a pop up, it will say pop up on the product page. That is how other luxury clothing sites use such triggering terms. I cite the example of XXXX, which has a XXXX XXXX XXXX on its site. 

I believe I was deceived by a XXXX word exception-laden refund policy, a badly organized e-commerce site. I am disappointed Capital One has returned my funds to the merchant after originally issuing me a credit, even citing my case as compelling. I returned the goods to the merchant. They offered a credit voucher, which I do not want, or believe is fair. 

My understanding is that disclaimers on goods must appear somewhere on an e-commerce site, at very least, next to the product. The consumer should not have to go to a hyperlink to find important qualifying information, as this merchant requires here. Qualifying information should be prominent ( according to the FCC ). The merchant in this case failed to convey the importance, nature, and relevance of such qualifying information, misleading me into making a purchase I would not have otherwise made. I believe this is deceptive of the merchant, and an abuse of consumer trust. I appreciate your attention to this matter and look forward to your feedback.
Product: Checking or savings account

My savings account at TD Bank was opened using a promotional offer to expect {$200.00} bonus for keeping {$20000.00} in the account for three month. Unfortunately, a reoccurring transfer processed by the bank two days later than scheduled brought the balance little below the 20,000 toward the end of the three month period for two days total. 
The money was in the linked checking account at the same bank all along. This was acknowledged by two representatives at 24 hour customer service on XXXX, and XXXX submitted a request for my bonus consideration assuring me of the understanding. 
However, on XXXX, when the time came to hear back from the bonus department, I am advised by XXXX that the bonus department submissions can not be customized in any way. This contradicts my earlier expectations and makes it easy for the bank to disqualify me at their pleasure. She also assures me that her manager could not do anything else and nobody else could. 
This is a big disappointment for me, especially considering that my money could be earning interest elsewhere similar to the promised bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for a {$500.00} loan on line with and then received a call on X/XX/2017 from a representative from Western Finance in the XXXX, Texas location inquiring for more information. I went to the location on X/XX/2017 to provide the information they needed, but I before letting them submit the application, I asked if they were going to do a soft inquiry or a hard inquiry on my credit. The representative assured me that it was going to be a soft inquiry and they look mainly on my payment history which I was fine because I did not want a hard inquiry because I was going to refinance my car and I did n't want my credit to be affected. I provided the information needed, and the manager verified my employment and stated that due to company policy I could not be funded because I do loans as well. When the manager made that statement, the representative that assisted asked her manager about what she just said because it was even obvious that she did not know about that policy and also stated, " I did know that. '' The representative apologized and I left the establishment, but a couple of days later I noticed that the company did a hard inquiry which affected my score. I contacted their corporate office ( Western Shamrock Corporation ) and left a message since I called on a Sunday. I received a call back the next day and was told I was going to receive a call the next day from a representative that handles these situations. A week went by and I had not received a call yet so I called the XXXX location on X/X/2017 and spoke with representative that assisted me and notified me they were aware of the situation and that the District Manager was suppose to contact me. I explained to the representative why I was upset and she even told me that the company tells them to advise their customers that a soft inquiry is done on their credit because only a few points go done. I told her that is wrong because its shows up on my credit score and a hard inquiry and that is providing false information. I also stated that she should have known that applicants that do loans will be denied so this whole situation could have been avoided. Another week went by and no one had called so I contacted the corporate office on X/XX/2017 and left another message. I finally received a call from the District Manager on X/XX/2017. I explained to her the situation and I told her the exact same thing that I said to the corporate office. While speaking with the District Manager, it was obvious that she did not know the difference between a hard inquiry and a soft inquiry on your credit. She even had the audacity to tell me how the inquiries in my company work. The District Manager then stated that there was nothing they could do because I did apply. I told her I applied because I was provided with false information and they should not have even ran my credit as soon as they saw where I worked. She said that they still could not do anything. I yet have received any type of documentation from their office stating they ran my credit.
Product: Mortgage

On XX/XX/XXXX I sent correspondence to Select Portfolio Servicing ( SPS ) notifying them of their violation ; of California Statue Limitations four years and my rights under the Servicemembers Civil Relief Act ( SCRA ). On XX/XX/XXXX responded to my letter stating they would reply ; no response was given except for foreclosure. 
First, violation by SPS I have a family member who is Active XXXX XXXX. He was enlisted in XXXX. I notified SPS of our rights under the SCRA and asked for them to stop Foreclosure proceedings on XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX proceeded with those actions and foreclosed on XXXX. In violation of our rights under the SCRA. 
Second, violation by SPS California Statue of Limitations for written contracts is 4 years. The last date of payment on this loan was XXXX. They filed the Notice of Trustee 's Sale on XXXX. In violation of California Code of Civil Procedure 337.2 4-year time limit ; no action shall be brought.