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

12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 



CAPITAL ONE is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
Product: Debt collection

Left NY state for good as of XX/XX/2020. Contacted my cable provider numerous times about termination od service. Due to COVID shut down it was impossible to get in touch but after numerous emails and phone calls in XX/XX/2020 someone did contact me and confirmed service was terminated. I received attempts from other creditors and now convergent is the latest.
Product: Debt collection

They claim to be with Dynamic Recovery and trying to collect on a XXXX debt. I do not have XXXX and called to verify with XXXX and they stated I owe them nothing and to report this.
Product: Credit reporting

Transunion has reinserted a collection debt that had been removed months prior to the reinsertion. The debt collector is XXXX XXXX XXXX Acct # XXXX This was done without my knowledge or any explanation why. I did not receive anything in writing.
Product: Credit card

I was laid off due to Covid-19 and was having troubles making payments. I also kept experiencing unauthorized charges and fees from Wells Fargo during this time which made it even harder to make payments. I called about the unauthorized charges and they closed the account so we could start the pay to delete process since I was laid off and unable to make payments. When making my last payment I spoke to the representative and he advised within 60 days the account would be removed from my credit. When I contacted them recently to get an update they advised that I needed to contact the credit agencies. This is not what I was told. They are not fulfilling their promise that if I pay off the account it would be removed. Also, due to me being laid off according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic this should have not been reported on my credit. Wells Fargo has already agreed that they charged me unnecessary fees because I am still getting refunds from this company.
Product: Credit card

I have a Credit Card with Case. Recently they have been an inaccurate late payment fee listed on my account that has caused my credit score to drop significantly.
Product: Debt collection

In XXXX, I received a postcard stating that an order of default was entered on XXXX by a Midland Funding LLC. I went and filled a notice of motion with the circuit court of XXXX XXXX Illinois. I had proof that this XXXX credit card with a {$1000.00} limit, had indeed been paid. The judge told me that this was not the hearing for that matter. Midland funding purchased this alleged debt from XXXX XXXX. The problem is I don't owe this debt! I have email confirmations that prove my payments. I work as a substitute teacher which is considered part-time. In XXXX Midland funding was allowed to garnish my paychecks If they are more than {$740.00}, sometimes more than {$200.00} a paycheck. I have 2 children and the money I am left with is below poverty for a 3 person household. I need help with stoping this that is making it impossible for me to buy food for my children.
Product: Student loan

Sallie Mae has lied about they way my payments were allocated. I was told that forbearance is what I needed instead of a income driven plan. 

Several of my income driven plans were denied and sallie Mae gave me false information in reference to payment plans. 

Numerous payment were made and never applied to my loan. 

I have made several calls in reference to payment history and was told the information was not available. 

I am currently on a loan forgiveness program going back to XX/XX/2007, I believe I have made the 120 payments. 

Sallie Mae has sold my loans to navient and then to XXXX XXXX, I believe the interest and fees were falsely added to my loans. 

Thank you
Product: Credit reporting or other personal consumer reports

Ive started reviewing my credit report and notice 's that I have this fraudulent account opened from community bank with the account number of XXXX. I havent gave anyone authorization to open this account. I had no acknowledgment of this account. Please remove and delete this account
Product: Debt collection

This debt was attempted to be collected by XXXX last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to Enhance Recovery XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
Product: Credit card or prepaid card

I was a Chase customer for almost 10 years. They never qualified me for loan modification. 
They always wasted my time to submit my loan modification documents but they never approved for no valid reason. luckily my loan was transferred with all the problems that I had all the incorrect information they were always posting on my account. This month I opened a Chase prepaid debit card and I was going to use it for direct deposit and my daily transaction. 
again I received a letter from Chase for no valid reason they are going to close my prepaid card. In the past they have also closed my prepaid cards without any notice to me.
Product: Student loan

I was informed that navient has been overcharging people on their account and i feel as though i am getting overcharge and i am i super debt with them.
Product: Payday loan, title loan, or personal loan

I have paid off auto loan amount in full on XXXX2020 to gm financial and the amount should be XXXX .. is still said in credit report ( XXXX ) and I have the approval for that
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX How is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account
Product: Credit reporting or other personal consumer reports

Some debts and collections plus addresses are wrong and the did an investigation and said it was accurate when its not me. My data was breached and my identity used to receive services
Product: Credit reporting, credit repair services, or other personal consumer reports

Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX XXXX. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. Billing Error notice should have also triggered a direct dispute under 12 CFR XXXX 9. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 3. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX
Product: Vehicle loan or lease

Payment made on XX/XX/2018, in the amount of {$200.00} and payment made on XX/XX/2018, in the amount of {$460.00} were both applied solely to the interest of the loan and not the principal. When I made the payment I asked for the money to be applied to the principal, the teller in the bank said they had no control over what the payment applies to and to call the 800 number. I contacted the 800 number and was advised that I could not pay on the principal and had to apply the payment to the interest. After speaking to multiple people, they all told me the same thing.
Product: Checking or savings account

Citibank informed me that they were closing my accounts a while ago, but they are still open and only blocked. My Citibank checking account had a balance, and I have yet to receive the check for that balance. I simply want my Citibank accounts unblocked so I can use them. I really love Citibank, and I would greatly appreciate the opportunity to continue as a customer, especially since I just opened these accounts a few months ago and they were immediately blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX, Account # XXXX has violated my rights. 
i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 
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
Product: Money transfer, virtual currency, or money service

I contacted XXXX XXXX via XXXX XXXX to purchase XXXX XXXX badges from a XXXX girl scout group online. I made a transaction via Paypal ( shows up as XXXX XXXX XXXX ). XXXX weeks after " purchase, '' I have never received a tracking number or badges purchased. I reached out via Paypal to an individual seeking a tracking number, which was never received. I attempted reaching out via XXXX XXXX, but all messages are unavailable, and XXXX XXXX can no longer receive notifications. I have filed a dispute with PayPal and through my bank, and reported this individual on XXXX. I saw this scammer cross-posted on social media by many names, such as XXXX XXXX, XXXX XXXX, etc.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I learned that I was a victim of identity theft. I had learned of fraudulent account that was opened in my name and credit inquiries on my credit report for accounts I did not apply for. When I learned of this fraudulent activity ; I immediately closed my bank account and notified all XXXX Credit Bureau. The credit bureaus placed a fraudulent alert on my credit, froze my credit, and removed the fraudulent account from UPGRADE INC from my credit report. 

On XX/XX/XXXX I filed a report with the federal trade commission and filed a police report with the XXXX Police department. In XXXX I learned that the fraudulent account opened with upgrade was placed back on my credit report because Upgrade verified this information was accurate. I then tried to notified upgrade by phone, but had no luck. I was able to find an email for them ; so I emailed them In XXXX of XXXX letting them know, I did not open this account. This account was open fraudulently and I requested them to send me the verified information they had on file. 
I requested a copy of the original application and verified documents used to open this account. I also requested where the mail/ statements were sent for repayment, where the monies were sent /deposited. I also requested what address, email and phone number they had on file. 


They responded, asking me to submit a picture of my ID, mailing address, email, date of birth and phone number before they could give me any information. Once I submitted all the requesting information, they sent me an email stating that the account was verified and that they would not remove it from my credit. 

I asked them again to provide me with documentation on how this information had been verified ; because I did not take out a loan with their company ( Upgrade ) and they ignored me. I never got a response. 

In XXXX of XXXX I contacted a lawyer to send them a certified letter requesting the same information, since my requests had gone unanswered. 
On XX/XX/XXXX my lawyer sent certified letter ; here it is XX/XX/XXXX and they have yet to respond or cooperate. 

This has been extremely stressful for me because I am trying to purchase a home and I can not do so with a negative account being reported on my credit. 

This company is not doing their due diligence when opening accounts, I have been completely ignored when trying to get this issue resolved. This company has to take responsibility for their actions and the way I have been treated.
Product: Vehicle loan or lease

Westlake Financial Bank was supposed send me a check for my cancellation of service contract and gap insurance in the amount of XXXX and they have not sent it to me. The cancellation was received to them on XX/XX/XXXX cancellation notice was on the gap and the service contract. They have given several dates when I was supposed to receive the check but they keep changing it and pushing it back. Call XXXX XXXX at XXXX ext. XXXX she is the last person I talked to on the phone. She said I would receive it by the XXXX of XXXX. I was told different dates twice already. Please help get my money back. I financed a car from them through my with a service contract and gap insurance. I had it refinanced through XXXX XXXX XXXX XXXX XXXX. They had a better service contract and gap insurance than Westlake Financial. When I refinanced the gap Insurance and service contract was included in the loan. I cancelled theirs and have yet received the money. Call me please XXXX Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I called equifax on XXXX to remove my dispute comments for my mortgage loan. They told me it would take XXXX hours to remove. I received a confirmation code XXXX. 
I called back on XXXX to check on everything they filed another to get the comments removed, however that one is showing complete but nothing was removed. The confirmation code for that one is XXXX. 
When I spoke with them they said everything should be removed by end of business day on XXXX and I spoke with management. However nothing is removed and its making so I cant get my mortgage. XXXX and XXXX removed theirs the same day but equifax will not remove the dispute comments. Im no longer disputing them and I need them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX citizen who moved the XXXX to XXXX university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX Capitol 1 Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately
Product: Debt collection

I had a judgement against me of XXXX dollars in XX/XX/XXXX, St. of N.J. that was paid.I have requested info from transworld systems via telephone on XXXX around noon with agent named XXXX.I requested : a copy of the original judgement, payment terms, proof of payment records, and payment history. XXXX said it would take around a month to gather this info and forward too me.Today is XXXX and I have not received any info.
Product: Checking or savings account

I had a Bank of America checking and savings account since about 2017 then last year they just up and closed both of my accounts for no reason. I called them and asked them the reason and all I got was them saying because they can. I went into one of the branches to ask in person and still couldn't get a clear answer. I was told I can't have another account from them for the next 5 years
Product: Checking or savings account

I wanted to report fraud on my account and dispute these transactions all transactions with the merchant XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX' every single transaction under those XXXX merchants is fraud and unauthorized transactions I call to try to get them to dispute customer service and fraud department they were not assisting me and didn't add all charges as of right now I don't have my card I'm assuming it's lost I attach photos of each transaction that's fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened a savings account with M & T Bank for my daughter not long after she was born in XXXX. I was advised that because we have multiple checking accounts along with my business accounts with M & T Bank there would be no service fees associated with this account. We have received fees every month since the inception of the account and all of the money is now gone. I went into a location in XXXX  and they advised me that I was correct and should not be receiving fees. They credited the account for the past 90 days of fees and said the fees should stop effective immediately. We are still receiving fees on the account every month.
Product: Debt collection

A collection was placed on my account in XX/XX/XXXX from XX/XX/XXXX. When contacted XXXX stated I had a " zero balance '' with them. 
I lived at XXXX XXXX Apartments managed by XXXX XXXX from XXXX. I am going through a federal background check right now for a potential job. A charged from XXXX XXXX appeared on my credit history from XX/XX/XXXX. I called and they stated that I had a zero balance ledger with them and that they would talk to the collections department and remove the charge. This is concerning that a charge was placed on my account without proper notice and when I had a zero balance. I notified XXXX XXXX properties on XX/XX/XXXX and received a ledger with a zero balance. I am still awaiting a reply as to when they will speak to their collections department to remove this fraudulent charge so I can continue with my federal employment background check. I fear that this charge has affected my job prospects in the past. The collections agency is called Resident Collections.