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

XX/XX/2021 Dear Complaint Department, complaint.consumer finance.gov My XXXX Credit Card was deleted by XXXX because I reported to XXXX  that XXXX had made an error on my Credit Report causing my score to decrease by more than 5 points. I was never late and ensured my bill was paid on time. XXXX reported I owed a larger sum on my XXXX Credit Card in XX/XX/2021. The error reduced my credit score on XX/XX/2021. XXXX didnt consider a payment I made by my personal WF checking account number XXXX for {$500.00} in store on XX/XX/2021. Very disappointed as this was XXXX mistake and when I called it to their attention, my credit score suffered, my open credit line of Credit decreased {$1500.00} and my overall Credit Score was lowered and no longer well above my Credit Score of XXXX. 
Please Help!! 
Thank you. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I have written to Portfolio Recovery Associates, LLC with a final letter by certified mail ( cert # ending XXXX XXXX on XX/XX/XXXX2019,  requesting proof of an expressed agreement between me and the creditor or the collection agency, any insurance claims or judgments. Portfolio has not responded to my XX/XX/XXXX certified letter but instead bypass communicating with me, to communicate with the credit agencies to publish the debt on my credit report.
Product: Credit card

Every time that credit karma has told me I am likely to get approved for a credit card I wouldn't. I have applied several times and every time, even at 95 % with a green check mark, I got denied. Why would you say I'm almost for sure certainly approved to just deny me? I felt deceived and was definitely disappointed and tried to talk to the company but they just said I would be sent more info.
Product: Student loan

I received a letter from Zwicker and Associates LLC., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since they could not verify the loan as being mine and promised to notify XXXX that they could not match my information. I do n't understand why XXXX has reassigned the loan to Zwicker and Associates despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Zwicker and Associates to desist collection on this account from me. I am afraid I have become a victim of debt tagging.
Product: Debt collection

Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is ZIONS DEBT HOLDINGS. The original creditor was XXXXXX/XX/XXXX 

( they spelled XXXX wrong ) Amount XXXX, they didnt give me any contract or documents to verify the debt. I never signed any contract or agree to a service fee. I had two phone calls requesting info but never received it. I recieve a text XX/XX/XXXX, I called them requesting the forms, didnt receive anything. I got a second message XX/XX/XXXX, I called to again request the forms documenting and verifying the debt, but no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert for a missed payment from XXXX XXXX  regarding FNB OHAMA account. However I have no knowledge of this account. I called FNB OHAMA credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.
Product: Credit card or prepaid card

In XXXX and XXXX of 2021, I had an auto-payment scheduled with US Bank for a credit card. Mysteriously, the bank had technical difficulties in which my regular auto payment did not go through. When I notified the bank that my payments were automatically being reversed, they apologized for the technical issue and then proceeded to offer the reversal of the late payments in XX/XX/2021. However, they still marked a 30-day and 60-day late payment AFTER reversing the late payment as a result of their mistake. 

When I contacted them, they informed me that there was nothing they could do and refused to close my account after I requested them to do so. 

Fast Forward to XX/XX/2021, the 2 late payments were removed from my consumer report. However, within 3 weeks US Bank re-added those payments back to my credit report. Therefore lowering my credit score. The second time, I contacted them by mail after the late payments were re-added and they responded in writing that the information being reported is accurate.
Product: Credit card or prepaid card

XX/XX/2019, Best Buy informed me that the credit limit on the account was decreased from {$2500.00} to {$350.00} due to my inability to make payments on the account due to becoming unemployed which the company was informed of. A written letter claims it was due to my credit score dropping. Currently, if I do not make a payment the account will be charged late fees as well as potential over the limit fees. Until recently, within the last three months, the account was always current and payment was made on time for numerous months in a row never going over the limit. None of that effort was taken into consideration. I'm reasonable and understand that payments have to be made and that there are consequences but lowing a credit limit to the point of potential double fees in not reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Mortgage

I have a loan with ocwen. They keep charging mefees and expenses then charge me late fees because I refuse to pay them.   The fees are home inspection which is bogus
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, an inquiry appeared on my account from Experian Business Cred. I didn't know why this appeared on my account. 

FYI, I have a fraud alert on my credit report but did not receive any alert that someone was trying to utilize my information or that a company associated with Experian was making a credit inquiry of my profile. 

I contacted them and sought to have it removed. They refused. I again contacted them to ask where this inquiry came from and it was stated from a Business gas company. 

Mind you, this is my personal credit report. I contacted the company Fuelman and they informed me that they don't have any record of this conduct. 

I believe theirs fraud being conducted internally with Experian.
Product: Vehicle loan or lease

It was agreed that when I voluntary surrendered my car over to KIA Motor Finance in excellent condition they would no longer hold me responsible for payment. I have attached the paperwork that was faxed to them on XX/XX/2017. I never received any paperwork from them concering the agreement. They are still holding an excessive amount outstanding. I did everything they asked and the XXXX XXXX never confirmed anything with me once they received the car.
Product: Bank account or service

XXXX XXXX XXXX ( Mortgage Loan ) and TD Bank f/k/a XXXX did a loan with my fraudalent mortgage loan and TD Bank cashed my check to mortgage officer without my knowledge. I have submitted a civil lawsuit in 2012 and nothing has been done at all. 
No response, no action has been taken on the situation. The amount of the check was {$120000.00} ( supported document attached ). 
XXXX XXXX XXXX approved a loan that should of never been authorized by the false documentation submitted on the application. 
XXXX at XXXX XXXX XXXX XXXX XXXX Pa had felony convincts who were working undercover on the mortgage loans ( under house arrest ) without our knowledge and did ponzi schemes, wire fraud, mail fraud, money laundering, racketering, theft by deception, theft with dishonety, bad checks, theft by disposition of funds, ( XXXX ) this felony convinct has been caught in XXXX different counties if Pa. as well. 
XXXX XXXX XXXX XXXX ) same charges as well. 
XXXX XXXX XXXX & TD Bank have not responded with any remorse for their actiions.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit reports from XXXX, XXXX, and Equifax contained inquiries that I do not recognize and did not authorize. I contacted XXXX and XXXX, and they assisted me in removing these unauthorized inquiries, which were preventing me from applying for XXXX loans and XXXX applications at my local bank. However, Equifax refused to help. 

I called Equifax multiple times on XX/XX/XXXX and XX/XX/XXXX and was informed that I needed to provide a police report for fraud before they would even consider looking into the matter. I submitted the necessary reports and documentation, including XXXX letters sent via certified mail on XX/XX/year>, and XX/XX/year>. During my last conversation with an Equifax phone representative, it was revealed that my credit report incorrectly lists my middle name as my first name. I was also told that Equifax had not received the documents I sent, despite them being sent both certified and via regular mail, and that I should deliver them in person to their office in XXXX, XXXX, which is over a XXXX XXXX away. 

While XXXX and XXXX were helpful in resolving the issue, Equifax refused to assist.
Product: Student loan

My loan was moved to Navient from XXXX XXXX, so I did n't receive notification of where to send my first payment after completion of Chapter XXXX Federal Bankruptcy. Since the interest ballooned so high, I need to make accelerated payments on my student loans as to avoid excessive interest payments during the life of the loan. Navient will not let the payee set up auto payments in excess of the minimum payment. I had to call customer service and argue with them to increase me auto payment. After almost 1 year of making accelerated payments. Navient sent me a letter notifying me they changed the terms of my loan, which ended up meaning they reduced my auto payment amount back to the minimum. This would extend the life of the loan and cause me to pay 3 times the amount of interest. I never authorized my auto payment to be decreased. They decreased it for obvious reasons to try and get more interest payments out of my loan. This is deceptive and should be illegal. As well, the Navient Website should be set up to allow the borrower/payee to set up auto-payment amounts in excess of the minimum payment, and change it at the payee 's discretion as long as auto-payment amount does not fall below minimum amount due.
Product: Credit card

On XX/XX/XXXX I booked a hotel and charged it to my Capital one credit card for four days. On XX/XX/XXXX I arrived at the hotel. On XX/XX/XXXX I was no longer allowed to stay at the hotel. I was billed for 4 days and only allowed to stay for 1. The charge on my card is for the full amount of XXXX. The charge is fraudulent as I was not allowed to stay for the full amount of time. Capital one is refusing to credit back the money after several disputes. To be clear, I was billed for 4 nights and was allowed to stay for only 1. The merchant is unresponsive. The hotel is unresponsive. My credit card company is repeatedly denying my dispute on no grounds and is also unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX, I received a call from XXXX XXXX ( NMLS ID # XXXX ) about information I submitted online about a refinance. During the phone call, I asked if I would even qualify for a refinance and told him I just wanted an idea on the numbers I might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. I told him I had just lifted credit freezes from XXXX  and XXXX. after he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my partners credit 3 points which resulted in her credit score not being in the excellent range. After we received the notifications, I immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' I repeated that I received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediatly, I checked my email which had an email sent by Mr. XXXX at XXXX, that stated a mortgage application had been started. 

At XXXX XXXX, I called Amerisave 's customer service team and who said she would report this information to Mr. XXXXXXXX XXXX  supervisor and have them reach out to me to correct the issue. 

Also, I tried to report this to the credit bureaus but they require you to call during their business hours.
Product: Payday loan, title loan, personal loan, or advance loan

I refinanced my home to consolidate debt. The finance company used the balance reported on my credit report to determine their disbursement. The title company issued a check made out to Affirm in the amount of XXXX. Throughout the month of XXXX I monitored my total balance, for which the payment was never applied. Numerous phone calls have not yielded consistent answers, and in fact one operator filed I was disputing what I owe to a particular vendor. I was sent an email on XX/XX/XXXX stating I was due a refund of XXXX. Where that number comes from I am unaware. Instructed me to verify my address, and they would send check within 5 days of the communication. Upon calling on XX/XX/year>, no check has been mailed, the operator gave me XXXX refund amounts, XXXX XXXX and XXXX XXXX. She also then stated I would receive a check in XXXX more days from now.
Product: Credit card

Although Capital One states that they sent statements to me in XXXX 2016 and XXXX 2016. I never received these statements. I have been issued a 30 and 60 day late payment notification against my credit report which has negatively impacted my credit score ( I was notified by my lender while trying to refinance my home ). The late payments are for a minimum payment ( in XXXX ) and then a minimum payment with a late fee and interest. Essentially a {$67.00} past due in XXXX and {$120.00} ( XXXX past due plus late payment plus interest ) charge in XXXX. Over the course of 10 years with this card, I have always pay this card in full. The issue with the Capital One program is, if a user has a {$0.00} ( XXXX ) balance, a statement is NEVER sent out by Capital One. Essentially, a monthly statement is NOT sent out to me each month. I use this card on rare occasions so a monthly statement is n't something that I expect to see. When I received a statement in XXXX of 2016, like other months and statements, I paid the balance in full. I have spoken to Capital One to try and resolve this miscommunication, however, they have told me to, " Take it up with the credit bureaus because they sent statements and we do n't believe in reversing or removing anything that we have already submitted. And although we completely understand how this has hurt your credit, we do n't have any type of grace program that allows us to remove any late payment notifications. You can write a letter our Credit Bureau department if you still disagree with us. '' Yesterday, I noticed one of the bureaus removed the negative merit from my record. After talking to the XXXX of the credit bureaus, they advised me to contact Capital One to try understand why the negative merit was removed from one of the bureaus records, but remained on the other XXXX. Again, I was told by Capital One, " We have nothing to do with that. If you have an issue, please write a letter to our Credit Bureau department. '' I have now been trying to resolve this issue for over 3 weeks and have spent more hours than I can keep track of. Capital One 's unwillingness to work with their customers to resolve a simple miscommunication shows me that their policies and procedures are skewed to ensure they protect themselves and hurt their customers. In all my years of owning my own company and working with creditors and lenders, I have never felt so disrespected or bullied.
Product: Credit card or prepaid card

On XXXX XXXX, I attempted to use my Capital One Card to purchase an XXXX Computer for approximately {$3000.00}. it was immediately rejected, and immediately I had a text message and email asking me to call immediately. When I called I gave them sufficient information that they knew I was the card holder and I explained what I was doing and that I was at the XXXX  Store. I was told there had been suspicious activity on my account and the account was frozen. I could unfreeze the account if I sent them documentation to a secure portal they would send me in an email. The documents they wanted included both sides of my drivers license, both sides of my social security card, and a full copy of a utility bill. These 3 documents together amount to PERSONAL IDENTIFIABLE INFORMATION which is all that would be needed to steal my identity. I reached out to the number on the back of my card ( XXXX ) a total of 4 times. Each time hoping I would find someone that would help me. Everyone stated this was the safest way to protect both customers and the company. Yet, in XX/XX/2019 approx. 140,000 social security numbers were compromised when they had a breach. When they refused, I asked if they would cash in my rewards miles ( currently valued at approx. {$550.00} ) and send it to the name and address on the card. They refused, and said as long as the account was frozen they couldnt do that. I finally found the name and email and phone number of the President of Capital One, and reached out to him twice through email ( XXXX ; ph. XXXX ) Still no response. I posted my issue on XXXX, only to find that another person had a similar situation and is out over {$4000.00} so far. ( You may be hearing from that person, since my Attorney Generals office suggested contacting you ( & I promised that person I would share helpful information if I got any ). At this point, if you can at least help me get Capital One to release my rewards miles, which I have earned, I will be done with Capital One forever. But I cant imagine that what they are doing is okay. I did learn from one of the persons on the 4th phone call I made to Capital One that what caused them to freeze the account was the purchase I was making at the XXXX  Store. It was approximately {$3000.00}. Yet, I had made a purchase a few months earlier for approx. {$2800.00} and that didnt trigger anything. I have an EXCELLENT CREDIT RATING and I will not put myself in a situation of handing off sufficient information that someone could easily steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy. Please correct the account as it is inaccurate & was posted without my knowledge. 


XXXX  XXXX XXXX Late Date XX/XX/22
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Checking or savings account

I am a customer at Citibank and have been with them for over 20 years. On XX/XX/XXXX-XX/XX/XXXX my ATM debit card was skimmed as I noticed unauthorized Transactions on my card in the following amounts XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} Since I have a daily withdrawal limit they were not able to take out more than {$500.00} a day. 
I immediately on XX/XX/XXXX around XXXX reported it to the bank and informed them of what had occurred. Subsequently I also told the bank that the card was in my possession and that I had not given it to anyone or shared my pin. A case was opened up for investigation. My initial request for a refund was denied stating the fact that I had not logged a police report which I was told at the time by customer service was optional. On XX/XX/XXXX. I filed a police report and informed the bank about it and faxed in the details of the report to Citibank. I also filed an appeal which was also subsequently rejected. I asked to see the ATM video and was told that I couldnt see it and again was rejected stating that since the card was in my possession that the charges were not fraudulent. I have not received my money back and I want to see the ATM video to prove it was me who made the withdrawals.