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

My card was lost with other personal documents and when I realized that was lost i check my balance by the automatic system and the card was being used butat that time I still have more than half of the money I had in the account I tried to contact this bank and they was closed by phone custumer service I also tried to report the card lost by the automatic system and wasnt able to do it was receiving a error next day morning when I called custumer service all the money in my account was gone all the money in the account was already used I spoke to custumer service and they said is nothing they cant do just do a dispute that takes 10-40 business days and i wont receive neither a temporary credit or credit till the investigation finish I trust in this bank depositing a money that was for an emergency travel and this bank failed me allowing an unkown person to withdraw my money and doing multiples transactions in one day that cause me to lost XXXX dollars and also who ever have the card enter a pin invalid unumerosous times as custumer service told me how is that possible that the fraud prevention do not block the card immediately and how is possible that custumer service do not provide help 24 hours in a bank I feel engaged by this bank and used i also would like to advise any other consumer about this bank safety
Product: Credit card

I am in the XXXX I was XXXX overseas when my credit card was stolen and used. Bank of America denied my claims and is forcing me to pay for charges someone else made that stole me card,
Product: Checking or savings account

On XXXX Discover bank closed my checking and savings account for business purposes and said it will take 60 days for them to mail me a check for the money I had in those accounts. I need the money now I cant wait 60 days my bills have to be paid.
Product: Checking or savings account

Yes, i just needed the money for the XXXX XXXX XXXX i statered to use and for my XXXX  XXXX which i toock out a large payment for and with my ssa being suspenend because i had too much i that account and they depositied that money and ssa want s it back now and they suspened it so i dont get ssa checks at that account i was in need alot for a year or so because they tootk that fraud choice back, i would have made a diffrent choice about the loan and pating for the XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dispute Regarding Experian Investigation - Ref # XXXX I am writing to formally dispute the results of an investigation conducted by Experian regarding my XXXXXXXX XXXX  Account XXXX. The investigation, as per updated reference # XXXX dated XX/XX/XXXX, contains several inaccuracies that I would like to bring to your attention. 

Firstly, Experian is reporting missing payment information for XXXX, XXXX, and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically USC 1681 ( I ), credit reports must not contain incomplete payment histories. The absence of this information is a violation of this statute.

Additionally, Experian has reported late payments for the months of XXXX, XXXX, and XX/XX/XXXX without providing any proof that these payments were indeed late. I have not received any documentation or evidence from Experian substantiating these claims. 

Lastly, the report inaccurately lists XX/XX/XXXX as a late payment. This information is incorrect. 

I request that the Consumer Financial Protection Bureau investigate these discrepancies and ensure that Experian corrects my credit report to reflect accurate and complete payment information. Please provide confirmation of receipt of this dispute and inform me of any actions taken in response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA XXXXB ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a consumer report was ran for a background check for employment. Asurint has the incorrect information reported as the record has been sealed. This could be detrimental to my employability and I need this correction made on any and all platforms so this doesn't happen again.
Product: Checking or savings account

Date of Call - XX/XX/2019 HSBC will not allow me to close my account because their online banking bank to bank transfer portal crashed while trying to set up a bank to bank transfer weeks ago. I was flagged as fraud and had to call to remediate the issue. Instead of trying to setup the bank to bank transfer, I asked that they close my account and send the proceeds via official check to my address on file. Was transferred 5 times to different people within their customer service or fraud department, and indicated that they could not close the account until the fraud case was closed. They asked me several times if the account I was trying to link was mine and owned by me, and then said the only way they could close to account was to provide a complete statement showing the account details and titling at the other bank. I refused to comply with this request and asked if they could reset their system for me to link on my own, and they said I must provide the statement. 

During the process of this call, over 2 hours, they cancelled my debit card and removed wire transfer ability from my account. One gentleman apologized but said he needed to suspend my account until I provided evidence I owned the other account that was attempted to be linked, even after I authenticated several times over the phone and provided additional security information via email and mobile phone. My account has less than 10 transactions in it and was almost a year old. Account was opened to have an additional account while taking advantage of a {$200.00} incentive for opening, but little other activity had taken place. Continued to tell me that they needed to review the details of my account, however indicated that I could not receive my funds until they saw the other account I was trying to link. 

I ultimately provided the statement details from my other bank, as they indicated they could not reactivate the account until " the system '' knew the information was correct. Had to send a copy of my statement ( or voided check ) from a completed unassociated bank ( never ultimately linked this account ) via unencrypted email to the E fraud prevention email at HSBC. After that they again rerouted me back to customer service where they insisted I keep the account open.
Product: Consumer Loan

After I married my XXXX husband, I moved from XXXX to XXXX. It took me forever to locate a job and we became severely behind on this car payment. Fees were minimal however it greatly ruined my credit and they kept reporting and would not due anything after various letter, emails and call
Product: Debt collection

Today ( XX/XX/2021 ) I spoke with a woman from Williams and Fudge Inc. who was extremely rude and talking over me. I attempted to file a complaint with the company however the supervisor I spoke with initially did not follow what he had promised. The second supervisor I spoke with disregarded what I was attempting to tell him in regards to the way I had been handled and treated. I tried to resolve this issue with this company however I feel harassed and abused but their repetitive phone calls, lack of understanding and way in which they handle people.
Product: Credit card or prepaid card

on XX/XX/XXXX i purchased a pool for XXXX and paid this pool off on XX/XX/XXXX XXXX payment of XXXX and additional payment of XXXX which paid off both my statements for each month of XXXX and XXXX. At the end of XXXX I disputed the XXXX because till today the pool has not been completed, But the bank stated they would give me a credit, which they never did, I still made all my monthly payments, in full and never did not make any payments to my account. Never used the any monies that had anything to do with the dispute. Then on XXXX XXXX the bank showed a XXXX charge on my account, which they claimed XXXX XXXX XXXX made, which in XXXX i come to find out from the fraud department it was not XXXX XXXX XXXX it was the bank itself trying to charge me for something they never had given me back, Which clearly shows on my credit card statements that I never received a credit and continued to make my balance payments. Then When I filed a fraud Dispute the Fraud depatment figured out that it was the dispute department that made the error, and Lied and said it was the bank. Then I called back again, and spoke with a supervisor, and we went through every statement and he saw that I was correct and could not understand if I paid my statements in full why the dispute department recharged me for something they never credited me back for on my acccount. I have every credit card statement it shows, that every bill was paid in full and the supervisor went through each one with me and saw the exact same thing, and could not believe why his dispute department did what they did, and if this bank has recordings they should pull it to see how this is strickly on the bank. They are trying to charge me for something that they never gave me.
Product: Credit card or prepaid card

The bank Capital One I used have credit card with and closed was fraudulent re-opened after my knowledge back in 2015. Just this last 2 months my credit score dropped drastically by 80 points. When I pulled my XXXX  it said I had card opened with Capital One with limit of XXXX and balance for membership fee. When I contacted Capital One and spoke with the Fraud department. I let them know of this account not being opened by me and they escalated the claim. I filed a formal complaint with there fraud department. They assured they would resolve it and when asked on why this happenned they had no valid reason. They have charged me memberships fees without my knowledge and after explicit closing this account they kept it open. This has effected my credit score by 70+ points and Capital One has been very unhelpful and fails to take accountability. They have reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation of this debts multiple times. They keep saying it vaildated without sending my documentation I am requested. By law they are suppose to have my contract on file. They are breaking the federal law by not proving this debt is mine and keep reporting it to my credit.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX. My loans were discharged by the current administration and my loan servicer has failed to reimburse me. Instead, I keep getting letters requesting I verify my address. This was done back in XXXX. I was informed once my address was verified, the loan would be refunded within 60 days. On XX/XX/XXXX, I received the same letter again. I contacted Nelnet and they have no information. Its up to Nelnet to submit my loan to the DOE for discharge and they still have not done it 6 months later. Forget 60 days.
Product: Mortgage

This is our third complaint against this company SPS. We secured an FHA mortgage from XXXX in XXXX. The company states that it is not now, nor was it ever an FHA Mortgage although all of the existing information including the original foreclosure documents state FHA. This information was filed by their original lawyer. Please request documents and I can forward to you because it has our personal information and the address. The documents filed by their Attorney and filed by certification for their attorney States that they are Attorney for the Plaintiff and further certifies that in said matter that the premises are not subject to Act 91 because it is, and there are 4 choices an FHA Mortgage, Non owner occupied, vacant, Act 91procedures have been fulfilled. The Lawyer clearly checked FHA Mortgage. It further states that this certification is made subject to the penalties of 18 PS C.S.  Section 4904relating to unsworn falsification to authorities. signed on the XXXX of XX/XX/XXXX. We submitted further evidence of HUD Form 9539 Request for Occupied Conveyance which was sent to our home and was dated for XX/XX/XXXX. This conveyance listed our property address with the FHA/HUD Case Number and goes on to explain that the House was in Foreclosure and would be transferred to XXXX XXXX but before XXXX XXXX conveys property back to HUD that the occupants would be able to reside in the property and we just needed to send all of our information to the lawyer and further listed HUD 's occupied conveyance procedures Even with all this as evidence, the lawyer continued to deny that the Mortgage was HUD. On the last complaint we requested a Qualified Written Complaint to identify where all the fees were coming from but SPS never sent that. In addition, prior to SPS serving our loan we were approved for a Modification from XXXX which was not honored when the Serving went to SPS. Under SPS we were consistently denied a modification and once we received our last documents with the assistance of our lawyer they continued to deny us. Under the current modification agreement, their current lawyer tells us that we are not allowed to negotiate and SPS refuses to answer the questions we posed to them about the modification. Even our Housing Counselor could not get answers to where the fees were coming from and what type of modification we obtained. They further sent information about them having followed procedures to continue to foreclose if we did not sign and return documents that we don't understand. We are happy to obtain a modification. It for 15 years but at the end we will still owe {$170000.00} balloon payment after paying XXXX and the house only cost XXXX and when we stopped paying we only had XXXX left. Please help us get some answers so that we are not bullied by this lawyer or SPS.
Product: Debt collection

I submitted a dispute to the colletion agency dated XXXX XXXX 2015. The company has not completed an investigation and provided me with any results regarding my dispute. Instead they just submitted the information to my credit report. This is plain harassment.
Product: Student loan

XXXX XXXX XXXX XXXX retroactively capitalized the interest on my loan two years in the past, and added fees and interest for the last two years in XX/XX/2018, saying that they accidentally forgot to do it two years ago. I am in the REPAYE program, so for the last two years, the federal government paid a portion of the interest for the last two years. Because they waited so long to do capitalize the interest, they added hundreds or possibly thousands of dollars to my loan that would have been paid by the government. They are required to give me at least thirty days notice before capitalizing the interest under the federal regulations governing student loans. I never received that notice, either at the time or now.
Product: Debt collection

On XX/XX/XXXX I disputed the charge with proof of payment in a bank statement to XXXX. They advised the debt would be removed, which it was. I've since gotten XXXX calls from Action Collection Services ( XXXX ). After speaking with them directly on XX/XX/XXXX at XXXX XXXX, I told them the charge was disputed successfully and they said that was incorrect. They're stating I need to send the same paperwork to their collection agency directly to dispute the charge that was already dropped by the initial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my XXXX, and Experian report. 

The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to Experian, XXXX, and XXXX. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against XXXX and Experian. 

For the past 3 years I have been submitting dispute after dispute to Experian and XXXX concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the XXXX side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX of 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from Experian or XXXX. Instead I just keep getting generic computer generated responses.
Product: Debt collection

This item is in collecting affecting my credit. Account was sold to a collection agency.
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 XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : 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

XXXX Energy companies ( XXXX, XXXX, and XXXX ) started calling me XX/XX/2016 to collect a utility bill of {$330.00} owed by a person with my name. Each company ask for my Social Security number to verify the account. I told them I did not have an account with their company and will not give my SS number. I thought it was a scam. XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. trying to collect the debt. I called and talked to XXXX XXXX and told her it was not my debt. XXXX XXXX sent me a form to fill out asking for all my personal information. I called and the guy on the phone admitted my phone number and address was looked up online. Either energy company or debt collection agency found my address and phone number with the same name as a person who did not pay his energy bill and decided to harass me until I pay a bill I do not owe. I told them to take my name, address, and phone number off the account because I do n't owe this money. Since the man could not get me to give out my information his supervisor got on the phone and tried to pressure me into to giving my information before it destroyed by credit.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you verify the documents? Several accounts listed have reporting errors, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ON XX/XX/year> i dint recognize i think not mine
Product: Student loan

I submitted Income based repayment to Navient on XXXX/XXXX/19 well within my 45 day timeframe for processing my loans that were set to come out of grace on XXXX/XXXX/19. On XX/XX/XXXX I received emails that my IBR had been processed and approved. However the amounts approved are more than my income. I also have XXXX loans that are on IBR and are a {$0.00} a month payment. They are wanting {$140.00} on one set of loans and {$1300.00} on another. My AGI for the previous tax year is under XXXX well under the poverty line so I should have a {$0.00} IBR payment. Today my loans updated to a total amount due of {$1500.00} on XXXX/XXXX/19. I was told that my IBR submission wasn't processed for those loans and went to another loan. I am not sure why they can't get their information correctly and process my IBR correctly, I shouldn't have to submit my application 6 times like I have since XXXX. I resubmitted my application on XXXX/XXXX/19 and was told that I was due to pay the total amount due because it wouldn't be processed in time. This is ridiculous- this is more than I make a month and not even feasible when I have submitted what was due on the following dates : XXXX, XX/XX/XXXX, and now once again XXXX. This better be fixed ASAP.
Product: Debt collection

I received a letter from Winn Law Group that indicated their intent to file a lawsuit for an aggressive collection agency XXXX, XXXX, that only recently obtained an account from XXXX that I had been making small payments on. 

They use excessively aggressive tactics and when I attempted to call them indicating at the time that no law suit had yet been filed they tried to claim I needed to pay the entire debt off or in several large payments, which I indicated I could not do. They showed no respect, courtesy, or flexibility, and demanded I provide them a lot of documentation about my current income. Before this could be gathered I was served with the evidence of the legal summons. 

This company uses very aggressive and threatening tactics, and makes no attempt to first reach individuals with reasonable collection strategies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts that have appeared on my credit report. I am a victim of a data breach, which compromised my personal information and led to the inclusion of fraudulent accounts on my credit file without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : XXXX Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4200.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00}