23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. 

This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : XXXX # XXXX. Date Opened XXXX. Balance {$0.00}. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Credit card or prepaid card

I called Synchrony Bank at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX am. I spoke to rep XXXX who transferred me to XXXX XXXX who tried to help, left me on hold, then disconnected me after 1 hour and 2 minutes of nothing getting resolved. I explained to them both how could the company close XXXX account when I was just active in the month prior XX/XX/XXXX and paid my bill in full on XX/XX/XXXX. I have never been late, and always keep my account intact. This company just decided to close my account. I am really XXXX XXXX  and feel like cursing. XXXX need to open my XXXX  account back up with out re-running my credit and give me a higher credit line. I work hard to keep my credit up. This is some bs. I see why people be snapping for XXXX like this. I try to be the best person I can and someone want to come along a decide to take stuff from me. If I find a lawyer to sue their XXXX I will. 

Sincerely, XXXX XXXX
Product: Checking or savings account

i had received my Social Security check and on XX/XX/2022 @ XXXX XXXX XXXX XXXX @ XXXX to XXXX i had made a cash deposit at the ATM at that location but it not post i had noticed it was missing from my account so i had filed a claim i was calling everyday to find out what ha happened and the stratus of the claim # XXXX and i also had an appointment at my branch office located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX decided that i had already filed a claim that i wont go to the appointment and around two hours later i had recieved a email statingn that the claim was denied even though i gave them all of the information then i was told that they did not look at the camera footage to see that i was on the footage making the {$600.00} cash deposit that didnt post the claims dept. sent me a letter the letter said that i made a claim in the amount of {$00.00} witch was incorrect i had made the claim for {$600.00} cash i need my Social Security deposit back please so i can pay my rent and my bills. need any more information please fill free to contact me please XXXX XXXX XXXX @ XXXX
Product: Checking or savings account

! am a brand new small business. A customer made a payment through the XXXX XXXX XXXX powered by XXXX. they paid via " tap to pay '' in the amount of {$350.00}. I noticed the funds had not yet entered my account the following week and called to find out what happened. I was forwarded to XXXX XXXX and told " we have placed a hold on your account for 120 days '' with absolutely notice and no other reason given. I asked if I could refund my customer and so i could take payment another way and they said no. NO REFUNDS? I've called several more times to attempt to speak with a manager and was told they didn't have time. this is a Brand-New small business and this is my very first customer. I desperately need help with this.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Remarks on Account : APPLE CARD/GS BANK USA I hope this message finds you well. I am writing to formally dispute the late payment remarks on my account XXXX as reflected in my recent statement or credit report. The remark states that my payment was late, but I believe this is an error. 

I would like to bring to your attention the following facts regarding this matter : I kindly request that you review my account and update the payment status accordingly, removing the late payment remark from my credit report and account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly CORRECT all information which can not be verified.Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXXXXXX XXXX XXXX  Late Date XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX, KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told " I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? " .... It was a very humiliating and demeaning response!
Product: Credit reporting or other personal consumer reports

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor, US Bank Home Mortgage, has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. As of XX/XX/2023 they have 13 late payments for my home mortgage reported against me, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Mortgage

Nationstar mortgage began servicing my loan in 2013 and they tried to escrow my taxes even though I was not - or ever - late on them. I sent them proof of payment of my 2013 taxes but they have persisted trying to pay my taxes with the county every year since. The county I reside in sends their money back. That is, until this year when Nationstar proceeded to pay my taxes early, forcing the county to send my payment back. The problem is that I was in bankruptcy at the time and received no notice of this escrow. So, I kept paying the same mortgage amount every month - on time, as always - and now Nationstar has been applying those payments to a shortage account and says I owe them thousands of dollars to bring the account current. I have tried to pay them back this years property taxes on two different occasions but they returned the payment. They seem insistent on escrowing taxes on this account and I do not want that. I have never been late on them so they have no grounds for this. They will not entertain reversing the escrow until I bring my account " current '' for which it already is - I have been paying the monthly mortgage, although they did send one payment back for some reason. This is very egregious behavior and they do n't seem to want to resolve this. I need help intermediating with them and hoping CFPB can provide this.
Product: Checking or savings account

I have automatic direct deposits of {$3700.00} every two weeks from work and automatic withdrawals into a high yield savings account following this. I recently had a reduced direct deposit of approximately {$3600.00} and thus when the {$3700.00} was subsequently withdrawn, I received an overdraft fee. And then I remained with a slight negative balance and incurred a {$20.00} every two weeks and to the point that I had over {$170.00} in fees in a short period of time. I received NO notifications, neither by text, nor email nor phone call. I asked Laurel Road to reverse the charges and they said they would only do so for one {$20.00} charge. This is predatory.
Product: Debt collection

I noticed this on my credit report and disputed it because it was discharged in my bankruptcy. The date XXXX provided me was XXXX which would've been on my XXXX XXXX. Once I explained this to the collector they changed the date to a more recent one on XXXX. That's a lie. I haven't had a collection since my bankruptcy nor defaulted on anything. They told me to email them. I've emailed them 8 times and haven't received a response. I asked for the original collection information because I don't even know what I was supposed to brought. I haven't received that. They do however answer to the complaints I file and keep saying call them I've already called them and they're rude, liars, passive aggressive and condensending. I've been trying to communicate via email for my peace as well for my protection to have a paper trail but they ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to write a letter of each of my payment is the last twelve months they are sending a activity report. All of which prove in the last day of each month a payment was made for the exception where they held a check for an entire month in XX/XX/XXXX and sent in back to me due to no account. a complaint was filed with XXXXthey removed it only to put it back on my report and they have it noted in the system. credit tech. refuses to uses common sense and read my activity that was reported. The offer demanded that it be in a certain format.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law
Product: Student loan

I need to make sure EdFinancial received my latest teacher loan forgiveness application and find out what the status is. In XX/XX/2023, I received a message saying my first application was denied because of the date. I called right away and then uploaded and submitted a new corrected application. 10 days later, I called to confirm they received it and they said they couldn't find it. They told me to upload the document again, so I submitted the updated application again. Now it's been over 60 days and I have not received a message/letter accepting or denying my application. 

I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the wait time was over 7 hours. There was an option to receive a call back but I never received a call back on any days. I submitted an email request on their website with no response. I attempted to use their chat service online but I get this message each time I try : " We apologize, we are unavailable to take your chat at this time. Please try again at a later time. Thank you, goodbye ''. I called 3x each on XX/XX/XXXX and XX/XX/XXXX but the system is not working- it doesn't ask for any input and goes silent. Please help me speak to someone from EdFinancial so I can get confirmation my application was received and what the status is. I worked in low-income public schools for 5 consecutive years so that I could qualify for this forgiveness.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effectively immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I saw I was in collections with Credence Resource Managment through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.
Product: Checking or savings account

my check was suuposed to be deposited Thursday XXXX XXXX, it has not been deposited. I couldn't pay my final deposit on my daughters school trip and the no refundable deposit was kept. I couldn't grocery shop for my family, nor could I purchase heating oil for my home ahead of the polar vortez we have coming. Total inconvience!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT
Product: Credit card or prepaid card

On XX/XX/2021 I logged into my sofi account and my balance was XXXX XXXX the next day I logged onto my account my balance was XXXX and there is absolutely no trace of a posted payment on to my card yet I am being charged XXXX $ from XXXX yet I can not see this charge in my transaction history and they claim it is still pending. If it was a pending charge it would NOT effect my current balance until it was posted. This credit card company SOFI is refusing to help me and remove the transaction, and also refusing to provide a proof of purchase or anything of that sort to help me. They change their story every 2 minutes and treat their customers like trash. One employee XXXX XXXX, XXXX XXXX XXXX went as far as personally insulting me. " You're a XXXX '' she said, on a recorded line. I then talked to XXXX ( XXXX ) and she did absolutely nothing but waste my time and say that she cant help me. There is no proof of purchase, I can not see the purchase and they will not send me any proof. They are refusing to remove the charge and will not work with me. This will ruin my credit score because of the high utilization on the card, but I believe it was a sofi member who spent my money and that is why they will not give me proof of purchase and they keep running me around in circles. This company is complete fraud and they have stolen from me. Please Avoid SOFI at all costs, it is a terrible bank.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Complaint against LOANDEPOT.com I have been sending checks to pay my mortgage since XX/XX/2018 ( for the months of XXXX, XXXX and XXXX ) and they never get cashed. I also signed up twice for bank auto-payment and I get kicked a letter letting me know I got out of the auto-payment system a week later because they argue the name of my bank account is not the same as the name on my mortgage, which is not true. 
Now I am getting late fees and the only way to pay is by calling on the phone, getting an assistant and giving my card information. I am not able to do this every month because I travel a bit for work. 
I have called the company Loan Depot.com on several occasions to solve this, the assistants say that I am simply not sending the checks ( and implying I am lying about payments ) and that they can not do anything for me. 
Also, now I am not sure who to pay the mortgage and the lapsed payments because I got a letter saying my loan has been sold. 
LoanDepot 's inability to cash my checks and keep me on the bank autopayment system is going to affect my excellent credit history.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Investigate and Respond to Identity Theft Dispute within Required Timeframe Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian, and TransUnion for fa

iling to investigate and respond to my identity theft dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Details of My Complaint : 1. I was a victim of the Equifax
data breach, which exposed my personal information. 
2. As a result, I became a victim of identity theft, and fraudulent accounts have appeared on my credit report. 
XXXX. On [ XX/XX/year> ], I submitted disputes to Equifax, Experian, and TransUnion, requesting that they remove fraudulent accounts from my credit file under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

4. Under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), the credit bureaus are required to investigate and respond to disputes within 30 days. However, more than 30 days have passed, and I have not received a response from any of the three bureaus.

Violations of Consumer Protection Laws : Failure to investigate and correct fraudulent information within 30 days ( FCRA 1681i ( a ) ( 1 ) ( A ) ).

Failure to block fraudulent accounts after being notified of identity theft ( FCRA 1681c-2 ( a ) ).

Failure to fulfill their obligation to ensure accuracy in consumer reports ( FCRA 1681e ( b ) ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account and associated inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my consent or knowledge. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the fraudulent information be removed from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Multiple calls, offensive, pushy, rude, demanding threats made by callers. Called today XX/XX/18. Owe XXXX to a past apartment community which did not provide written statement until a month after we moved. Immediately our account was transferred to IQ Data. We called and the account was not there st the time and was told to call in 30 days. Since then, multiple harassing phone calls have been recieved although we have stated we will take care of the bill via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Fortiva a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.