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

Exeter failed to provide a written disclosure of the annual percentage rate, finance charge, monthly payment, and all other required disclosures under the Truth in Lending Act prior to obtaining my signature. The terms of agreement were not clear and concise. Exeter sent a copy of a contract not signed by me ( forged signature ) which does not align with the original document I signed. ( I have uploaded both copies ) Exeter has also failed to provide me a written notice explaining why I received less favorable lending terms. They have also failed to respond to previous notice of Dispute Billing Error and Notice of Default Opportunity to Cure. Also has violated my request to cease and desist and to only send correspondence to the address I provided during dispute by sending an individual who refused to identify himself in an attempt to repossess my vehicle. They are also incorrectly and illegally reporting inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Escrow was suddenly placed on my account due to lapse of insurance policy. Mr Copper never sent me any email or mail. Agent of Mr Copper dated XXXX XXXX mentioned that email was sent to my email id and hence escrow was initiated. I had mentioned as a deed I signed during the closure notices have to be mailed. XXXX XXXX Mr Copper agent mentioned that notices were mailed. So there is clearly misinterpretation of facts and Mr copper is doing fraud.

Please initiate an investigation on Mr Copper on this fraud practices to earn money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Product: Checking or savings account

On XX/XX/XXXX, I initiated an XXXX transfer of {$100000.00} from my online savings account with First Foundation Bank. Their web site stated that the funds would arrive by XXXX  XX/XX/XXXX, or I would receive notification that it would be later. No problem was indicated, yet the funds did not arrive until Monday, XX/XX/XXXX. As a result, I lost XXXX days of interest ( approximately {$30.00} ) that I asked the bank to make up for ( I knew and was prepared to not get interest XXXX XXXX during the XXXX transfer ). After XXXX weeks of attempting to get a response from bank management, they refused -- saying that XX/XX/XXXX was a banking holiday. When I pointed out that they had not sent me any notification and that their XXXX transfer times were always longer than other banks, they still would not budge. I filed a complaint with the FDIC, which regulates this bank. The FDIC asked the bank to respond, and the FDIC took more than 30 days to tell me of the bank 's response on XX/XX/XXXX. The bank came back with a screenshot showing that they had informed me that the transfer would be done on XX/XX/XXXX. That screenshot the bank sent was not available on their web site until XX/XX/XXXX -- long after I could have taken any action to change the transfer. Even if I had done a wire transfer and paid their exorbitant wire transfer fee, I would have been out less interest than almost a week 's worth. 

When I pointed out the ( possibly deliberately misleading ) error in the bank 's response to the FDIC, they refused to do anything -- even follow up with the bank again. They simply stated that XXXX transfers were not in the domain, and I had to contact XXXX. I did so, and they told me they only take complaints from financial institutions and XXXX XXXXperators. They said I should contact you. 

I strongly feel the FDIC is not doing its job in regulating this bank -- but I am hoping you can help me navigate these bureaucratic waters and compel the bank to pay me the extra interest they caused me to lose by not following their own published XXXX  processing times or giving me promised notification in a timely manner.
Product: Student loan

To Whom it XXXX concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " Transunion '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the XXXX had the creditor Navient account deleted from my Equifax profile, but the same account is still being report erroneously on Transunion. THIS AGIAN VIALOTES THE " FCRA ''!!!
Product: Checking or savings account

My SoFi checking account was frozen for fraud protection over a month ago and when I try to get in contact with them it directs me to call the fraud protection team. When calling the fraud protection team it tells me that they are busy and to leave a message and the will get back to me shortly. Leaving a message is the only option and after leave messages everyday for over a month I have yet to speak with anyone or get a call back and can not access my funds
Product: Debt collection

ORDER- I am demanding extinguishment and a full accounting for both ledgers as i was never given full disclosure of the nature and cause NOTICE OF DISPUTE Dear [ CFPB ] : Thank you for the statement of [ XXXX, XXXX ] that your institution recently sent me, expecting payment for an alleged debt. 

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. 

After reasonable inquiry I have concluded that [ FINANCE SYSTEM ] is in breach of the alleged agreement. The following facts support my position in this matter : 1. XX/XX/XXXX ] failed to disclose to the alleged consumer XXXX XXXX XXXX XXXX XXXX hereinafter consumer ) that XXXX XX/XX/XXXX XX/XX/XXXX used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby [ FINANCE SYSTEM ] did not perform under the agreement and risked nothing of value. 


XX/XX/XXXX FINANCE SYSTEM last reported XX/XX/XXXX open balance : {$190.00} original creditor :XX/XX/XXXX account status : open opened : XX/XX/XXXX FINANCE SYSTEM Last reported XX/XX/XXXX open balance : {$140.00} opened : XXXX XXXX account status : open Original creditor name :XX/XX/XXXXXXXX XXXX XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor XX/XX/XXXX XXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$140.00} Balance Updated : XX/XX/XXXX Original Balance : {$140.00} Date Opened : XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor : XX/XX/XXXXXXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$190.00} Balance Updated : XX/XX/XXXX Original Balance : {$190.00} Date Opened : XX/XX/XXXX I had removed these before but they somehow got putt back on my report i have no knowledge of these accounts please cease all things that are against me CFPB
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I received a letter from CapitalOne, dated XX/XX/2023, requesting more information to continue to review my application for a Capital One XXXXXXXX XXXXXXXX XXXX  including a copy of photo ID. 

I submitted no application. A hard credit pull was performed with the credit reporting agencies and according to my account with XXXX, my credit score went down a few points.
Product: Checking or savings account

I woke up one morning to my account balance being low. I signed in, only to find out my account was wiped out by XXXX BY XXXX XXXX 4 times. The amounts were between $ XXXX {$100.00} dollars. I contacted my bank immediately and they let me know that there has been charges as far back as XXXX. Total of {$600.00} cents. The rep cancelled out my card and issued a new one and told my I would get provisional credit within 24 hours but its usually within a couple of mins. I never received anything, so I contacted the bank again. Only to get told I am lying and no rep would say that to me. I had my call escalated and answered by a manager named XXXX who continued to call me a liar. He said its impossible. He said he doesnt have the ability to pull the calls. He then raised his voice at me and basically told me he cant do anything. They have until XXXX to issue a provisional credit. He then hung up on me. I contacted XXXX and XXXX who pointed the finger at each other. Finally the highest supervisor available at XXXX, told me to call my bank. They closed down the account immediately and apologized for the fraud and said they are really sorry they cant do refunds BUT she said the way it works is that my bank disputes the charge and issues the provisional credit. I just moved into a new home with my wife and newborn daughter and we had to tell our new landlord that the other half of our deposit has to be post poned because of the fraudulent charges. Ive had many banks before and never ever experienced this issue. I am beyond stressed at this point and will be closing my account after the dispute is finalized. I even offered Bank of America to do a 3 way call with XXXX so they can relay the charges were fraudulence and I do not have an account with them. They said they cant do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit repositories responded to my letter dated XX/XX/XXXX, & the documents I submitted both on their web site, or by fax, and through the CFPB. They stated I would receive a response to my concerns within 30 days from the date they receive my request. It is well beyond that time frame. 

As shown on the CFPB site, I requested a documented response containing the following : date of contact, the creditors contact information, the name of the person who verified the information, did they provide the credit bureau with my SSN, address, and DOB? 
Additionally, concerning XXXX XXXX, what information was provided allowing this company to report to the bureau 's " before '' the required 60-day grace period had ended after my Mortgage transferred from XXXX  XXXX XXXX, to XXXX XXXX XXXX? 

I also asked why the " accurate information '' provided by creditors, had not been removed on my request. The agencies must remove credit items already reported as closed after seven years of reporting, per the " California Bill of Rights. '' Instead I received a updated credit report dated XXXX without removing these items, or providing answers and proof to my requests. The back and forth of disputes began on XX/XX/XXXX and I am no closer now to accurate reporting than to their first response on XX/XX/XXXX.
Product: Mortgage

Mr. XXXX XXXX CAM Escalations Analyst you stated in your response to me that " 22 property inspections fees of {$14.00} each assessed by XXXX due to delinquent status of your mortgage loan between years XXXX and XXXX ''. However, a review of my mortgage history shows my mortgage payment was made for the months in that year. I can't see the justification of these excess illegal fees. My mortgage was not in foreclosure and not was it excessively delinquent. What are these ( 22 ) {$14.00} fees for?
Product: Debt collection

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX Account Number : XXXX BaXXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. XXXX XXXX Account Number : XXXX Bal : {$480.00} 4. XXXX XXXX Account Number : XXXX Bal : {$1100.00}
Product: Credit reporting or other personal consumer reports

I have never signed any contract or agreement with XXXX XXXX. Theyve illegally placed a $ XXXX debt on my credit report that has trashed my credit rating. I dont know who these people are and they dont know me either, as theyve stated repeatedly. They have also provided documentation to this effect. I keep disputing this with Experian and the dispute is immediately closed without any sort of investigation, proving that this is my debt. Open close, that fast. They do not contact the company to verify anything because there isnt anything to verify. I called over to Experian as well, and they simply said yeah its yours without checking into anything. I have contacted this XXXX XXXX  company and gave them my full name, address, phone number, ssn, etc. They then provided me with a document stating we are unable to identify an account for you. Thats because there is NO account in my name. Experian completely ignores this document when I give it to them. This is a mistake and its Experian who is absolutely refusing to remove it from my credit report, even after the bank tells them that the account does not exist. I believe they are doing this, because if they remove it, they will be admitting that they made a huge mistake that damaged my credit significantly. Admitting the mistake will make Experian liable and vulnerable to a lawsuit, so they just leave it on my credit report. The creditor sent me the document to remove themselves from the situation and remove their liability. I didnt realize that the dispute feature on their website was this much of a joke. They dont ever look into anything. I have the clearance letter from the alleged creditor that is supposed to remove these sorts of mistakes. Experian ignores it every time to protect themselves from a lawsuit. Which is inevitable at this point. I just dont have the money to hire an attorney yet and they are aware of that. Yesterday I searched for and spoke with attorneys about filing a lawsuit on a contingency basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex fianc had a   XXXX   's credit card he opened in  XXXX  before I met him  XXXX   XXXX   XXXX   has an  XXXX  and  XXXX  's store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in   XXXX   and around   XXXX   I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  XXXX  's and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with   XXXX   XXXX   and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX  s refuses to remove it, even with a police report submitted to them.  XXXX  's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   's does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here is the account that is erroneous in my file and need investigation XXXX  XXXX XXXX XXXX Balance : {$970.00}.
Product: Debt collection

I moved in 2014 & changed health insurance plans, was not forwarded or contacted by company about debt & have not been given any verification regarding debts I was informed insurance had covered
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle commencing in XXXX. I decided to buy the vehicle. Following my request for a payoff balance, on XX/XX/XXXX, I received a letter from XXXX regarding estimated fees and taxes for buying the vehicle outright. Later in XX/XX/XXXX, I sent XXXX a check in the amount of {$45000.00}, the exact amount that XXXX had indicated was required to complete the purchase. Shortly thereafter, XXXX sent me a billing statement of {$1600.00} due on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter stating that my payment of {$45000.00} was returned since Wisconsin Toyota Financial was not able to direct sell to consumers. In the meantime, another bill in the amount of {$1600.00} was sent to me. XXXX basically sat on my payment for 30 days and as a result, Toyota Financial Services reported to the credit bureaus that my payments were delinquent. Since I had already tendered payment for the vehicle to the address I had been given for payments, I was not delinquent. Nonetheless, my credit rating was being improperly decreased. In XXXX and XXXX of XXXX, I received letters from XXXX XXXX regarding receipt and confirmation of two electronic bill payments of {$830.00} each. In XX/XX/XXXX, I sent a letter to XXXX Financial Service regarding their account misinformation. I also sent multiple letters to Transunion regarding the account misinformation. On XX/XX/XXXX, XXXX sent a letter to me indicating that XXXX records are being correctly reported. I hired an attorney in XX/XX/XXXX who wrote a letter to Toyota Financial Services Lease which requested that the account be corrected to show that it was not delinquent in XXXX, payment having been tendered for the full purchase price of the vehicle. On XX/XX/XXXX, XXXX responded that they believe their records were correct, which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert regarding a collection on my credit report. I contacted the collection agency and informed them that the collection they placed on my credit report does not belong to me. The so-called person is a male who happened to share the same birth date as I. The name of the collection agency is Common Wealth Financial which placed a collection on my credit for {$1.00}, XXXX ; Account : XXXX ; Service date XX/XX/2017 for a XXXX XXXX XXXX. My name is not XXXX XXXX XXXX ; it is XXXX XXXX XXXX and I am a female not a male. How could these people do that to my credit? Just because someone shares a birthdate, that does not mean it's the person you're looking for. I called them and informed them of their mistakes and they are suppose to contact the credit bureaus to remove this damaging collection on my credit profile ; but I am not sure if they have done that. This is incredible!