23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to learned of 3 Bank Of America account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within 7 business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person ( s ) who committed the fraud but Bank of America made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX XXXX, Trans Union and XXXX are not removing them. 

Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}
Product: Vehicle loan or lease

I applied for the Toyota Motor Credit Corporation Class Action Settlement that certain cultures were charged more in interest rates than non XXXX XXXX.. On XX/XX/XXXX I received a letter from the Administrator of the Toyota Class Action lawsuit that I am not eligible because I am not XXXX -- I am. I did purchase a XXXX XXXX on XXXX XXXX from XXXX XXXX in XXXX, PA. The XXXX was financed through Toyota Financial I have the documents to prove it. This is the time on or before XX/XX/XXXX and XX/XX/XXXX that the lawsuit stated the automobile had to be purchased. I am an XXXX XXXX  female. 

Respectfully, XXXX XXXX XXXX ( XXXX.XXXX.XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX  {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account and paid in full. i asked the representative more then once if i were done completely with this account. i even received a refund of money that was left over. 60 days after i noticed on my credit report i had a late fee ( 30 days ) from Self-prepaid credit card. then while and process of disputing the late fee, waiting on a call from Self Financial as i was told from a rep, i received a 60 day late payment. the company keeps stating i was late and its verified but it was do to Self customer relations that this incident occurred.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in XXXX fraudulent accounts on my credit report. These unauthorized accounts were added without my knowledge or consent and require immediate resolution. 

ACCOUNTS -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent accounts to ensure the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate The fraudulent and incorrect accounts are listed below :
Product: Credit card or prepaid card

Enclosed is the payment demanded by the most recent invoice I have received to stop the continuous fees being charged. However, I dispute the validity of all the fees charged by Capital One and am seeking a refund of these amounts. 

There was a recent change in the management of the XXXX credit card. The bank associated with the credit card was switched from XXXX XXXX  to Capitol One. I have had an XXXX credit card for many years and have been through previous bank changes. In the past, a new card was issued and a new account and new relationship with the creditor was established. In this case, Capitol One claims they took over my account and are authorized to do so despite no affirmative action on my part. 

I have received extensive correspondence related to my XXXX  card. I read some and understood that I would receive a new credit card and the management was changing. However, most of it was marketing materials and I did not understand that they could cancel my existing automatic payment agreement or begin billing me from a new company before they issued me a new card. I did not realize their expectation was that I would read every letter they sent me spread out over many months. 

In the past week, I received a new credit card and statement from Capitol One saying that I owe {$310.00} and much of it is past due. Looking back through my mail, I found 1 previous statement from Capital one, a letter from Capital One, and the final statement from XXXX Bank. All of these documents appear to contradict one another. I think it is unjustified to charge me late fees based on these unusual circumstances and the conflicting information provided by the credit card companies. 

The XXXX bill from XXXX bank clearly states that the full credit balance of {$100.00} will be paid in full from my bank prior to the due date. A letter from Capital One dated 9 days after the payment date shown on the XXXX bank statement claims that I have a past-due balance of XXXX. The XXXX statement from Capital One dated the day after the XX/XX/XXXX letter says that I have a balance of {$250.00} due XX/XX/XXXX. 

I called Capital One twice on XX/XX/XXXX. This is the first day I realized that Capital One was claiming I owed them money. I had not opened the mail from Capital One that included the statements or the past due claim before then. I spoke to agent XXXX who claimed, after extensive consultation with the account executives that Capital One was not servicing my credit card and I needed to speak to XXXX. After XXXX confirmed that this was incorrect, I called again and spoke to agent XXXX. The information I received from Capital One on these calls was inconsistent. Both of them cautioned me they were seeking to collect a debt and the calls would be recorded. I encourage the consumer protection organizations to review these recordings.
Product: Credit reporting or other personal consumer reports

I am writing a letter to file a complaint in accordance with 15 U.S.C. 1692c of the fair debt collection practices act ( FDCPA ), which governs communication between debt collectors and consumers. I believe that my rights have been violated by these creditors and or debt collectors and I'm seeking your assistance in addressing this matter specifically I have been contacted by collector 's, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX regarding this alleged debt. however, I am concerned that their communication violates the provisions of XXXX, which regulates when and how debt XXXX can contact consumers the XXXX contacted me at an inconvenient time, contacted me after being informed not to do so contacted me at work when i previously requested they not do so in accordance to 15 U.S.C 1692c a debt collector is prohibited from contacting a consumer at inconvenient times or places, and under 15 U.S.C 1692c I have informed the debt collectors that i do not wish to be contacted further. Despite this the collectors have continued to make contact, which I believe constitutes a violation of the law. I kindly request that the CFPB, investigate this matter and take appropriate action to ensure that my rights are protected while I sort out these matters concerning this alleged debt, Thank you for your attention to this issue. I look forward to your prompt response
Product: Prepaid card

I brought a XXXX gift card from XXXX in XXXX and I tried to buy clothes online from XXXX and it didnt go through so I went to the website on the back and tried to log on with the card but the 16 digits or any of the information didnt work the website just said " unexpexted error ''. XXXX i work 8 hours a day at a XXXX XXXX and its so difficult to use the money I busted my XXXX for. Do i need to bust my XXXX for a XXXX lawyer? Because i will.
Product: Credit card or prepaid card

Synchrony bank closed all of my consumer credit cards. I never had a late payment and most of them were paid off recently before they went and closed them All which hurt my credit a ton increasing my debt to income substantially.
Product: Credit card

I opened a First Progress secure credit card when I was down on my luck and unemployed. I have since worked on my credit and paid my obligations, and I don't need secure cards anymore. I also wanted to pare down what credit I had out there that I wasn't using. I closed this credit card account. I was never advised that it would take 70 days or 10 weeks to receive the deposit back. Isn't this a bit much? You hold my money for two months and I don't receive interest? Other cards that have my deposits are not taking that long.
Product: Credit card

I have a COSTCO CITI Visa which can be deactivated if my COSTCO account is closed or not renewed. XX/XX/XXXX was my annual renewal and I had this set up to be done automatically using the CITI Visa. For whatever reason it was no automatically renewed as previously set up and the account closed on XX/XX/XXXX. I immediately contacted CITI morning of XX/XX/XXXX and was told I needed to reestablish my membership first to reactivate my card. I did this immediately, called CITI back provided updated info and was told it would be reviewed. Almost three weeks later, and after several follow up calls, I was told that my account would in fact not be reactivated an the almost {$700.00} in rewards I have earned year to date would be revoked. I asked and pleaded as I was relying on this earned money for a family project to please help me if anything at least apply the rewards to my current balance to help me pay the card off since it would not be reactivated. I was again told nothing could be done. I earned this money through purchased throughout XXXX. In addition the rewards I earned separately through COSTCO were applied to my account.if CITI Visa was interested in helping something could be done. Essentially they stole reward points I earned for purchased I made and paid. PLEASE HELP!
Product: Mortgage

Refiling this as answer was not sufficient. Please return payment made, as you did with additional two payments made at the same time, or accept payment Paid in Full. 

Qualified Written Request ( QWR ) Letter was sent to Mr. Cooper on XX/XX/XXXX. Item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. To date, Monday, XX/XX/XXXX, a reply from Mr. Cooper has not been received. Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref : Error Resolution Notice under 12 C.F.R. 1024.35 Loan # XXXX QWR Qualified Written Request - {$3600.00} Payment Applied to Partial Payment Unapplied Funds I am writing to request detailed explanation and/or correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX, FL XXXX, loan account number XXXX. Identifying the Error 1 ) Payment made on XX/XX/XXXX {$3600.00} ( see USPS receipt ) Payment applied to Partial Payment XX/XX/XXXX - Unapplied Funds ( see statement ) 2 )  Payment made on XX/XX/XXXX,  payment / check returned to Attorney XXXX XX/XX/XXXX ( see letter ) 3 ) Payment made online XX/XX/XXXX, refused online incoming funds and returned to bank account directly on XX/XX/XXXX ( see E-mail ) 3 payments, 3 different outcomes. As of today, Tuesday, XX/XX/XXXX, you are still holding the payment made XX/XX/XXXX, in an unapplied funds account. Explain why. Explain why one out of three payments was accepted. Explain why one out of three payments is now in an unapplied funds account. Explain why this payment was accepted and  categorized as partial payment. Explain why this payment, if partial, was not applied to loan balance. Explain why or where the interest amounts for this partial payment has been applied to. Explain how much interest this partial payment and unapplied funds account has accumulated from XX/XX/XXXX to now. Explain why late fee has been added for XX/XX/XXXX/XX/XX/XXXX payment if you have accepted the payment as partial payment. Explain why this first payment was not returned. Please see all attached supporting documents, as mentioned within. Sincerely, XXXX XXXX Screen shot online account statement XX/XX/XXXX ( Partial Payment from XX/XX/XXXX )
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 & XX/XX/2018 ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns shout consumer safety.
Product: Credit card

XX/XX/XXXX, I placed a Fraud Alert on at all XXXX credit bureaus with my XXXX cellphone number. I changed my phone number when I moved to XXXX XX/XX/XXXX. I understand that the credit bureaus do not keep phone numbers but that the Fraud Alert message has my old phone number. I have contacted all XXXX bureaus ( via phone and mail ) with no success to update this. The Fraud Alert is supposed to fall off in XXXX XXXX. 
Citibank Credit Cards is unwilling to provide me with a replacement card or close my credit card account because my current XXXX cellphone number does not match the Fraud Alert XXXX number. I was told by XXXX XXXX that the Fraud Alert should not affect existing accounts such as Citibank. Since Citibank will not close my account and will not give me a new card, I will be charged the {$95.00} annual fee but will not be able to use my credit card. I feel that this is unfair and they should at least allow me to close the account. 
I 've exhausted all my options. Please help.
Product: Student loan

I recently became unemployed and thought I was calling XXXX to enter a forbearance and ended up talking to XXXX XXXX at XXXX XXXX XXXX XXXX, and later to his " manager '' XXXX XXXX, who convinced me ( in my desperation to not have the {$270.00} to come out of my account ) to switch my loan over with them. They stated that XXXX was being accused of " fraud '' and they could me a student loan forgiveness in which I would only have to pay {$19.00} a month. However, first there was a fee of {$690.00} to switch it over, with a monthly fee of {$230.00} or biweekly of {$110.00} in 6 payments. They gave me a " discount '' of {$590.00}, " only '' paying {$99.00} biweekly. Later, I researched them and saw several bad reviews and went to my bank, XXXX, and was advised to get a new debit card so they couldn't take money out of my account, instead of " stopping payments '' because that would cost me {$25.00} a month. I reported them to the Federal Trade Commission and was advised the same and to block all their calls and have no further contact. I have yet to make any payments to them. 


The following contact information I have for them is : XXXX XXXX & 10 phone numbers I can provide should you need or want them.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  XXXX # XXXX XX/XX/year> -- {$0.00} XXXX XXXX # XXXX XX/XX/year> -- {$0.00}
Product: Debt collection

I disputed this same account with a company called Midwest Recovery Systems, and it looks like the same company has just changed names and put it back on my credit reports. They changed the name to XXXX and reporting the exact same account and amount, after removing it under the name Midwest Recovery Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and Santander was the lender. During a difficult time, I spoke with a representative there starting in XX/XX/XXXX, who offered me to modify my loan so Id be able to afford to continue making payments Finally in the month of XXXX I received the new Modification forms, signed and returned and the forms specifically showed that starting in XX/XX/XXXX the new Loan payments would begin. I thought all was now resolved! 
In XXXX XXXX went to a store and came out to find my vehicle gone! Thinking someone had stolen my car I called the police and they informed me that it was towed. I immediately called Santander and upon their review of my account they found that the were wrong to have picked up the car, apologized, and then told me where I could go to retrieve my vehicle. It was their error so I was not charged anything and although I was angry, I got my car back and figured it was over. 
Fast forward to XXXX, I took my credit report, found that Santander reported lates even after the modification, and even reported 2 lates for XXXX and XX/XX/XXXX, even though the loan was paid in full in XX/XX/XXXX. Ive tried to get this corrected, at once point it was Just a month ago, I took my credit, again incorrect information from Santander! I disputed, and now Santander is reporting a REPOSSESSION in XX/XX/XXXX, which is exactly the same time they towed my car in error!!!!! This was their error, they admitted it at the time, and only until now has it ever showed as a REPOSSESSION! This is more than detrimental to my ability to obtain financing and credit, and needs to be corrected! When I call their office, give my Social Security number, they claim that they have no information. 
Help, these folks should be audited! The federal government needs to look into their practices as Im sure theyd find Santander is not in compliance per the consumer lending regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with your lack of response to a serious matter. On XX/XX/2023, I mailed a dispute letter to your agency via certified mail, detailing discrepancies in my personal information held on record by Experian. The United States Postal Service tracking indicates that you received my letter on XX/XX/2023. As of the date of this letter, I have not received any correspondence, acknowledgment, or update regarding the information I disputed.
Product: Debt collection

I have discovered a collections account on my XXXX credit report from I.C Systems, which I have disputed. When I called I.C. Systems to understand why this collection was added to my credit report, as I had no knowledge of what it was, nor had I ever done business with " XXXX XXXX  '' whom the credit report says they are collecting for, I.C. Systems told me that they are collecting for a person with a name different from mine, but they are no longer handling the collection for this account, and to contact XXXX XXXX XXXX XXXX to get more information. 

XXXX  was unable to provide any information to me because I am not a customer, and they do not have someone with my name or address in their system, so they could not provide me with any information as to why they have sent this collection agency after me. Both said they were unable to provide me with any documentation confirming this, because they had nothing to give me as I was not in their system.