23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The credit card company Capital One Quicksilver seems to be having difficulties receiving the monthly payments. This has happened 3 months in a row. Last month I had provided the requested information from my bill pay company through XXXX XXXX XXXX and the information was accepted by Capital One and payments were posted as dated and fees were reversed. Again this month the payment has not been received. It was debited from my account on XX/XX/XXXX. I have been calling the company every day since the XXXX of the month to check on receipt. I made the minimum payment through the company when the due date ( XX/XX/XXXX ) arrived and it had not been received. I am in process of filing another investigation through Capital One but find this process unacceptable. No other credit card company or utility company has difficulty receiving the payments through my bank on time. This company is saying they dont receive them at all and then after investigation seem to find them. I think the problem is on the companys end and I should not have to do this every month. I have closed my account and will pay off balance as soon as I can.
Product: Mortgage

I signed up for a 2nd mortgage -- a 2nd Balloon Mortgage- without really understanding it completely. That was my fault. I was laid off ( this was years ago ) I was unable to pay my 1st mortgage or my 2nd. Eventually I got a loan modification on my first all the while requesting that we address the 2nd at the same time. I was repeatedly told -- not not now..later. Later never came. After multiple attempts to work with BOFA to start paying on the 2nd loan I gave up. Now, I am trying again. And they are working with me to an extent but still vert shifty and vague. All i want it to renegotiate my loan -- start paying on the PRINCIPLE- and pay off the loan. I am gainfully employed now and can do it. I have JUST started to talk with an account officer at BOFA and will be going through the process next week. I am filling out paper work now. I know there is no guarantee that this will result in anything different than what I have now. I need advice and help. Thanks! XXXX ps. this is NOT thug loan -- I am {$14000.00} late on payments and the original loan is worth {$25.00}, XXXX. Can you help me or direct me to some one who can? Thanks!
Product: Debt collection

My membership was cancelled with XXXX  XXXX  and they still attempt to collect after telling me the membership was cancelled. They have horrible business tactics and have no sent it to collections. 

I also wrote and sent them an email requesting the cancellation again to main branch with the other letter given to me at the other branch attached. Both are included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/NXXXX, XXXX, and SYNCBXXXX.. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2020 and again on XX/XX/2020, my credit card was erroneously charged {$18.00} on each date. After writing to the credit card company, I received form letters stating my complaint was resolved in my favor and both times the {$18.00} charges were reversed. 

Again on XX/XX/2020, another erroneous charge of {$18.00} appeared on my statement and I sent another complaint on XX/XX/2020. I received the standard form letter ( dated XX/XX/2020 ) stating they will investigate and that they " will send me a letter detailing the results of our investigation '' and that my account would NOT be " subject to interest charges and you do not need to pay any portion of the disputed transaction ''. 

Except for the {$18.00} charges, every single month prior to the due date, I paid all balances in full. I made no purchases in XXXX and XXXX so I received neither a XXXX nor XXXX Statement nor a letter from them detailing their investigation results. 

I made a purchase on XX/XX/2020 and therefore received a XXXX statement which reflected that purchase, plus the XX/XX/2020 {$18.00} erroneous charge, plus numerous late fees, misc fees and interest fees equaling {$75.00}. I paid the purchased item immediately. 

After nine ( 9 ) monthly detailed letters to them, a phone call and nothing but lip service, the erroneous {$18.00} charge has grown to {$300.00} because of their monthly late fees, and all kinds of interest fees. In XXXX I did receive a form letter from them stating their charges were valid but DID NOT state why or the results of their investigation which in the past had proven erroneous.
Product: Checking or savings account

Opened account without my consent. No activity Frost bank closed and canceled debit card immediately. I dont have amount but it was opened XX/XX/XXXX and closed XX/XX/XXXX. The account number if needed is : XXXX
Product: Mortgage

On XX/XX/XXXX I received and signed my CARES ACT forbearance agreement. 
We agreed on moving our 18 deferred payments ( option XXXX ) to the end of the loan with no lump sum payment. 
On XX/XX/XXXX I received a bill for {$26000.00} dollars from FREEDOM MORTGAGE then they filed with Credit companies that I was late. 
I documented all conversations with them. We were also required to submit a new username password at the beginning of XX/XX/XXXX. After following instructions we have been unable to get access to our account ... ... including past communications. 
I talked to their IT department and I was told the situation had to be escalated to the next department and it would be two weeks then they would call back. That was over two weeks ago.
Product: Vehicle loan or lease

I was divorced in XX/XX/XXXX. In the Settlement Agreement, my ex-wife and I each received certain assets and their related liabilities. One of the assets my wife received was a XXXX XXXX XXXX that was being leased from GM Financial Leasing ( GM ). She assumed the responsibility for the lease, and made the payments following the divorce. She ended up turning the car in early because she had a lot of miles on it, and there were charges related to the early termination that she apparently didnt know about. She acknowledges responsibility for those charges, which are around {$7000.00}. 

Unfortunately, she never transferred the vehicle out of my name, and when she didnt pay the charges ( which I knew nothing about, and for which I was not responsible ), GM put the default on MY credit record. This is the first negative credit report I have had in my life and my 45+ years of making payments on time. 

I refinanced my mortgage a few weeks ago, and during that process, learned about the negative charge on my credit report. I can provide you with the notice I received from GM through the mortgage company, and I can also provide the section from our Divorce Settlement Agreement which clearly shows that my wife is responsible for the payments related to the XXXX XXXX lease ( which she does not dispute ), and that she agreed to defend me and hold me harmless for any liability related to it. 

I need to have this negative charge removed from my credit reports as soon as possible. It is affecting my livelihood, which is commercial real estate development. GM told me that they already written the debt off. If they want to pursue my wife for the balance, that is their choice. She will not fight it ; she has agreed to pay them. I have nothing to do with it, and any negative statement or comment should be completely removed from my credit reports. The rep from GM said that if my wife pays it, they will change my credit record to say " SETTLED. '' That is NOT acceptable.
Product: Mortgage

How long does it take Wells Fargo, to actually compensate us? We have proven complaint after complaint, along with all the documentation along with the complaints? They keep telling us they have been sent to another division of Wells Fargos criminal enterprise, that decides how much to compensate us. XXXX  years of defrauding and theft all we asked for is XXXX XXXX! They avoided prosecution, if they just compensate consumers like us! 
How long does it take for Wels Fargo to actually accept their illegal wrongdoings and again compensate us for 20 years of theft and fraudulent actions and activities?
Product: Bank account or service

I paid off my account with Ally Bank for the purchase of my car in XXXX and received a letter from them dated XXXX XXXX, XXXX but have not received my title for this car ( XXXX XXXX XXXX XXXX I called them Tuesday and they say that the title was sent to me on XXXX XXXX, XXXX but I have not received it and they are saying that they can not issue me a duplicate title that I have to go to the Sec. of State and pay {$100.00} to get a duplicate title am XXXX XXXX XXXX and have paid enough for the car. They have all the information on my car and should be able to issue a duplicate title. Yesterday when I called them and asked to speak to a supervisor they said that there was no one there while speaking to the same person that I spoke to on Tuesday and that I could leave my phone number and they would call back in XXXX to 48 hours. I do not believe that there was not someone in charge that I could talk with to try to get this problem resolved. ALL I WANT IS THE TITLE TO MY CAR. Are they this rude to everyone that calls with a complaint? I do n't want to be lied to just tell me the truth.
Product: Student loan

I have been wrestling with this loan payment since graduating in XX/XX/2008. Hindsight being what it is, I was not so subtly guided towards taking a loan out from Navient ( then XXXX ). While I have been able to temporarily reduce payments by way of forbearance or interest reduction rates, they have been just that -- temporary. What there is no transparency of or any information relating to is how temporary these " assistance '' programs are. You are only allotted up to two years of forbearance relief before they simply tell you, " You ca n't renew this program as you have used up your allotment '' without any warning leading up to it. The reduced rate interest programs are good for a year. You can continue to attempt to apply for them, however even if you are accepted your base monthly rate will still increase. My reduced monthly rate went up 61 % from the first year to the second. When I tried attempting to go for the third year, I was told that I make too much money, and now my monthly payments are higher than what I pay for rent. Terrible practices, not enough information, and no relief programs in sight. Borrowers beware : Never take a private loan unless you are 1,000 % certain that you are well within your means to pay it back immediately! Unless I find some relief, this will be hanging over me the rest of my life.
Product: Debt collection

Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of First National Collection Bureau , Inc . I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) 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

On Monday XX/XX/XXXX I chatted with Citibank and requested three stop pays on payday loans for XX/XX/XXXXXX/XX/XXXX. I received verification of the stop pays in the mail. On XX/XX/XXXX they posted. I messaged them again on XXXX to inquire about them and was not given a response as to why the stop pays werent honored. Instead, they asked me if I had revoked the debits and I said yes. They told me that they would open a dispute and it would be settled within 10 days. In the meantime, they have been charging overdrafts and returning items! I had also asked that they stop and further ach debits from my account. This is not happening. I want the items returned and any overdraft fees reversed as this was their error and not mine. This is not the first time theyve not honored a stop pay. Very deceptive.
Product: Debt collection

I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond, only updated my credit report withthe remark : " Account information disputed by consumer ''. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EQUIFAX SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH THE BANKRUPTCY COURT AT XXXX XXXX XXXX XXXX, XXXX IL XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX XXXX REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I ALSO SPOKE WITH A CLERK SUPERVISOR AT THE BANKRUPTCY COURT AND RECEIVED SIGNED DOCUMENTATION WITH THE STATE SEAL THAT STATES THE COURT HOUSE DOES NOT VERIFY BANKRUPTCIES TO CREDIT BUREAUS. I ALSO DISPUTED THIS WITH XXXX AND THE INACCURATE BANKRUPTCY WAS REMOVED. I THEN PROVIDED EQUIFAX WITH : MY XXXX INVESTIGATION RESULTS, WHICH STATES IT WAS REMOVED MY XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX, WHICH STATES NO RECORD OF BANKRUPTCY FOUND AND THE SIGNED & SEALED LETTER FROM THE BANKRUPTCY COURTHOUSE, WHICH STATES THEY DO NOT VERIFY BANKRUPTCIES. AFTER ALL OF MY SUPPORTING DOCUMENTATION THEY HAVE YET TO REMOVE THE BANKRUPTCY AND CONTINUE TO LIE AND SAY THEY VERIFIED IT THROUGH THE COURT HOUSE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Payday loan

XXXX indiana I borrowed XXXX from multi source payday loan company can not contact anyone from this company they send no email to let me know they are taking more out each month so far I have paid XXXX $ on this XXXX loan
Product: Credit card or prepaid card

I have not received my payroll via direct deposit. I always receive it on or one day prior to my pay date, and now, the American Express Serve company has not answered my concerns, or their phone lines regarding why my funds are not credited to my account. They are withholding my pay, and have not offered to reimburse me late fees for my bills, nor overdraft fees for my accounts. I am without any financial recompense, and do not have any money for food, bills or to commute to work. I have no estimated time when this issue will be resolved. i have filed a complaint with the XXXX as well. American Express is not responding to me.
Product: Debt collection

This company ( I.C. Systems, INC ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of Jennings : Markeisha> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit card

Capital one closed all accounts in my name in XXXX XXXX XXXX with XXXX explanation other then frivolously accusing me of attempted fraud. With XXXX evidence. 

Upon them closing my accounts I paid all balances in full. They are now reporting to the credit bureaus that I still owe balances on these accounts even though this is untrue. They also owe me money back for over payment and are refusing to release the refund to me directly. I have audio recordings of all conversations.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint following the breach of my personal information, which has led to identity theft and subsequent inaccuracies on my credit report.

**Details of Complaint : ** **FTC Report Filed : ** I have contacted the Federal Trade Commission ( FTC ) regarding this matter and filed an FTC Identity Theft Report. The report number is XXXX. 

**Identity Theft and Data Breach : ** I am a victim of identity theft. My Social Security number and other personal information have been compromised, leading to unauthorized accounts and transactions. 

**Unauthorized Accounts : ** - XXXX XXXX Personal Credit Card - XXXX XXXX Personal Credit Card **Erroneous Reports : ** The theft has resulted in incorrect entries including : - Fraudulent collections - Hard inquiries not initiated by me- Inaccurate late payments by XXXX XXXX XXXX 

A XXXX XXXX Bankruptcy filed on XX/XX/XXXX, A XXXX XXXX Bankruptcy filed XX/XX/XXXX, A XXXX XXXX Bankruptcy filed XX/XX/XXXX with the U.S. Bankruptcy court. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections on my consumer consumer FICO Credit report.

All of the aforementioned accounts, collections, and hard inquiries are the result of Identity theft fraud. I demand that all fraudulent items be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to the FCRA FDCPA laws. 

**Legal Rights and Demands : ** - As per 15 USC 1681c-2, I formally request the blocking and removal of all fraudulent information from my credit reports.

- I demand receipt of an updated credit report showing corrections.

**Transaction Verification : ** I request a detailed record of all transactions related to XXXX XXXX to verify discrepancies in payment acceptance. 

- Immediate investigation and correction of my credit reports as per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) laws. 
- Written assurance that all fraudulent activity ceases and future protections are implemented. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that CFPB, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
-- - Please ensure this complaint is handled with urgency. Thank you for your attention to this important matter. 

Thanks you