23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I submitted an application with Citi to see what amount I would be approved for. Citi did not notified me of any amount that I was approved for nor provided an opportunity for me to review to accept or deny the line of credit. I did receive an email stating that the application has been approved and a card with a line of credit of {$3000.00} has been opened without my consent, and a card will be sent in the next XXXX business days. 

I contacted Citi via phone at ( XXXX ) XXXX on the same day, to clarify that I did not approve/consent to opening this line of credit. The application was to see how much I would be approved for. I was informed that I would need to wait four days before Citi could do anything. I requested that the application and possible account should be cancelled as I did not approve/consent to opening a line of credit. The Citi representative, XXXX, stated that there was nothing that she could do, but I would have to wait and allow the account to open, which is not what I approved. I requested to speak with a supervisory or someone on their team to get this resolved. After asking four times to speak with a supervisor, the representative hung up the call leaving me with the uncertainty of how and why this line of credit was opened without my consent and approval. This is completely predatory on behalf of Citi as an account was never approved to be opened.
Product: Debt collection

Below is a letter that I wrote to the collection agency after they provided less than satisfactory, inaccurate and unreferenced verification of debt through the XXXX XXXX after I filed a complaint " I am writing to dispute the validity of the debt referenced in your correspondence dated XX/XX/XXXX. Upon receipt of your validation of debt through the XXXX XXXX I found the information provided to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
1. The original contract from the creditor XXXX XXXX XXXX XXXX  The lease that you uploaded to the portal had expired XX/XX/XXXX, the debt that you are trying to collect from me opened on XXXX  and claims that I moved out on XXXX  I cant be responsible for a debt from a lease that had already been paid in full and expired 2 months prior. 
2. My liability for the {$4200.00} debt. The itemized statement that you uploaded does not have my authorization anywhere on it, I'm not aware of any of the charges on it and I never had an account with the account XXXX XXXX with the original creditor. In addition to this the charges on the itemized statements have no basis. {$2500.00} in charges are referenced as other & the remaining additional charges have no reference as well. 
3. Also the address that the collection agency provided to credit bureaus is inaccurate resulting in 3 letters to address my issues being returned.
Product: Credit reporting or other personal consumer reports

I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had incorrect information removed from all three of my credit reports in XXXX of this year. Experian, XXXX, and XXXX all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in Houston ( a XXXX area ), and I assume it is hers ... as XXXX  falsely has the Houston address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. XXXX  never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with Experian today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in Houston didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a ( 30 ) day late on THD/CBNA partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

While checking my credit report, on XXXX I saw a collection from CEDARS BUSINESS SERVICES, a Collection Agency on XXXX. This is not my account or never lived in that area and. I made a dispute to XXXX online and by phone. I also called the CEDARS BUSINESS SERVICE and the representative told me to provide proof of residence for XXXX. I sent the proofs via email on XX/XX/24. And when I checked my credit again XX/XX/24. It said verified and updated as verified.
Product: Debt collection

Portfolio Recovery Associates call me a few times about an account. When I finally answered the guy that I talked to could not provide me with who the company was that the debit was with. He gave me two different companies. I then said which company is it. He put me on hold. When he came back he told me a third company name and I then told him I paid XXXX and have proof that I did. I asked him to send me debt validation letter, paperwork where I signed, account numbers and full record of purchase. I NEVER got anything in the mail. A few months later I get lawyer advertisement in the mail saying I am being taking to court by Portfolio recovery. I NEVER was served paper work or anything. I am going to just show up in court tomorrow because I do not want this company to say I did not show up and they win. This is TOTALLY NOT RIGHT. Please help me.
Product: Consumer Loan

I bought an extended service contract through a XXXX dealership and the cost was added to my monthly payments with Ford Motor Company ( FMC ). My payment schedule is as follows : First XXXX months : XXXX Next XXXX months : XXXX XXXX final : XXXX As you can see, the length of the contract is XXXX months. I have made XXXX payments to date. I canceled the extended service contract because it was essentially worthless in that the vehicle would have to blow up before they would do anything. I have uploaded a copy of that contract for you to review. They have canceled it and sent the refund to FMC which I have NO disagreement with. 
I called FMC on XXXX/XXXX/16 and spoke to " XXXX. '' I was enquiring about the refund because I had n't heard anything. She advised me that I had XXXX payments left and the refund was applied to the principle. So, my balance was at that time {$29000.00}. I have no new contract that shows a refund and how it 's applied. The contract I still have says I owe a total of XXXX payments for the above amounts. 
It 's simple math. If you divide {$29000.00} by my payment amount of XXXX, that leaves a total of XXXX payments. My payments should be XXXX for the remainder of the contract without the last XXXX months ' amounts of XXXX and XXXX. Someone needs to redo my contract and give me the proper credit in writing because I 'm liable for the amounts stated in the original purchase agreement. Both XXXX and FMC have refused to do this.
Product: Checking or savings account

All of my citizenbank accounts were closed without giving me a reason. After the accounts were closed I no longer have online access to the accounts. They told me the accounts have been closed since XX/XX/year> but my sister recently received an automatic check from the bill pay account in a an account that is supposed to be closed. If she cashed that check then it would have bounced since that account is closed.Every time I try to reach someone to make sure that account ending in ( XXXX ) is closed and not doing anything they say they can't access it because the information has been purged from their system. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa XXXX
Product: Student loan

MOHELA originally had my payments starting on XX/XX/XXXX but I got a notification stating that my payments will restart on XX/XX/XXXX. So they are telling me XXXX different things. I have tried calling them over and over and nobody ever answers. They have messed up my payment dates multiple times and have changed my payment amounts without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Equifax 's Inaccurate Reporting of My Credit Information Names that not mine ( XXXX XXXX & XXXX XXXX ) I am writing to file a complaint against Equifax regarding the acceptance of a name on my credit report that does not belong to me. Despite repeated attempts to rectify this error, Equifax has failed to take appropriate action, leading to significant inaccuracies in my credit history. This erroneous information has adversely affected my financial standing, making it imperative for the Consumer Financial Protection Bureau to investigate this matter and ensure necessary corrections are made promptly.
Product: Credit reporting or other personal consumer reports

Applications were made in my name that I dont recognize or authorize, which has led to these companies pulling my credit report and damaging my credit score. I contacted the bureau, and a representative assured me that these fraudulent inquiries would be removed, but theyre still showing up. This ongoing issue is causing me a lot of unnecessary stress.
Product: Checking or savings account

On XX/XX/2019 I was charged two {$35.00} fees for debit card transactions. XXXX XXXX charged {$12.00} and XXXX charged {$9.00} for my monthly subscription. I was told when opening my checking account at the XXXX, MN location that I had the option to " Opt-In '' to Overdraft Protection for my debit card. I was told that if I Opt Out and use my debit card, they can decline the transaction, which is fine with me. I opted-out because I feel its senseless to pay a {$35.00} fee for a small pos transaction. 
Well, Wells Fargo failed to let me know that they still have a secret way they can charge me fees for debit card transactions, by constantly using the word " Recurring ''. This is a massive issue and of course its Wells Fargo creating this situation. 

I contacted Wells Fargo customer service regarding my account and told them I am not paying those two fees as I opted out of that service and they stated its different and its recurring. All they could continue to say was the word " recurring '' and that its legal for them to do this. I did not agree to this, I was not informed of this, and I would NEVER in any world authorize this. 

Wells Fargo told me they would credit back {$17.00} of the {$70.00} in fees. That is unacceptable, I will not pay a dime for any of these fees I did not agree to. 
It is kind of funny how even after hundreds of millions of dollars in fines for behaviors similar to this, they have concocted a way to continue to bilk consumers out of likely millions of dollars in overdraft fees using this magical word called " recurring. '' No where in any of my checking account paperwork did I agree to this. 
I feel this is a form of fraud and I urge the CFPB to look into this matter.
Product: Student loan

Since XX/XX/XXXX I have been participating in the XXXX program via my MasterCard through XXXX to repay a portion of my student loan balance. To date everything has gone smoothly but today when I logged into my account I noticed that over {$190.00} that I earned in cash back was no longer showing in my account, nor was it applied to the balance, in fact Navient says that have no record of it. I immediately contacted them and they were less than helpful, in fact the floor supervisor told me they are no longer participating in the program. I asked since we and he told me for many months, i challenged him and told him that was untrue and all you had to do was look at the cash back that was applied on XX/XX/XXXX as proof that the program was still in effect. 

I am looking for help in resolving this discrepancy and to have the money I rightfully earned in cash back immediately applied to my outstanding balance and to have any and all interest charges related to their failure to apply said funds to be immediately removed from my balance.
Product: Debt collection

Aldous & Associates Contacted me today. I do not own any debt with them. How dare they! Is Debt collection essential during a pandemic?? people cant even pay their bills because a stimulus check is still absent & unemployment benefits are back logged, HOW DARE THEY try to call collecting debts during a NATIONAL CRISIS this should be STOPPED ASAP!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loans from Advantage shows that I still owe a balance. It was discharged in XX/XX/2022. It needs to be updated correctly
Product: Vehicle loan or lease

Around XX/XX/2015, I notified XXXX XXXX XXXX that I was a member of the United States XXXX and I was being XXXX and could no longer pay on this very high interest car loan. On 10 occasions I called or emailed the company to try to figure out a alternative payment arrangement, the company never responded. I also requested relief using The Servicemembers Civil Relief Act ( SCRA ), the company never responded, which is a clear violation of the SCRA. I finally requested for the car to be picked up voluntarily.
Product: Debt collection

This company called Portfolio Recovery has continued to harass me about debts from closed accounts that were the result of identify theft that happen over 15 years ago. A police report was filed when my wallet was stolen and everything had been taken care of at that time and the accounts closed, but in recent months this company seemed to have ran my social security number for debts I have informed them that I do not owe and have possibly put them back on my credit reports which I now need to check. They also made a call to me a few minutes ago which was after XXXX XXXX  Eastern time which I know is not legal and made continued calls to me while Im at work and late hours using different phones numbers that show on my caller ID coming from different states. Although I have continued to tell them these accounts are not mine and they could not collect from accounts from thar long ago they have continued to call almost every day and sometimes 2 or 3 times a day from different numbers for over 6 months now. Tonight was just too much and just all I can put up with and I felt I needed to file this complaint. Also there is another account they have been trying to collect from, but their was not a link or room to list an additional account Portfolio recovery is trying to collect for. It is from XXXX that is over 15 years as well. Your assistance would greatly be appreciated.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for a Wells Fargo checking account. This account was supposed to have had a {$320.00} sign up bonus after direct deposits of {$1000.00} being made to the account within 90 days after account opening. Having met these terms and not receiving the bonus, I contacted Wells Fargo once by phone with no results and then through XXXX. The response from XXXX told me to call another number. When I called they told me that I was not eligible because I had received this bonus in the last year. I asked her to send me a copy of my other account and when that bonus had posted. That bonus for the account was posted on XX/XX/XXXX and it was closed a couple of days later. 

The terms for the new account very clearly stated that you were not eligible to receive a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 

My account in question was opened on XX/XX/XXXX and since this is past the 1 year date of the last bonus received, I should be eligible for this bonus.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I have become a victim of identity theft and I have found numerous credit inquiries, I have no knowledge of ; Here are the inquiries I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The website and application of Bank of America is designed in a manner that lacks transparency and appears intended to cause consumers to accrue interest. It is an intentional design choice, i.e., a " dark pattern. '' Specifically, unlike most other credit cards, Bank of America 's card does not provide or display the consumers ' " Remaining Statement Balance, '' nor offer when making a payment for a consumer to select a choice to " Pay Remaining Statement Balance. Thus, if consumers make small or multiple payments in the course of the month -- anything other than one lump sum payment per month -- they are generally unaware if the amount of payments made were enough to avoid accruing interest, unless they go to the trouble of tracking their payments made throughout the month. I can imagine many consumers aren't doing that.

In the attached image, you'll see in the " Make Payment '' screen options that include : - Statement Balance : {$2500.00} - Current Balance : {$2600.00} - Enter Your Own Amount.

To understand how confusing the bank 's user-interface is, you should know that when these payment options were displaying, there was no Remaining Statement Balance, as it had already been paid. Again, I know that only because of my own record-keeping.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my private student loan was sold ( from XXXX ) to Firstmark. As such, in XXXX, XXXX reported a {$0.00} balance and the loan was reported as closed. Since then, I have made my monthly payments ( in excess, nonetheless ) to Firstmark, to which they have receipt of payments, but the loan is not being included in their monthly Metro 2 file. So for 2 reporting cycles now, my loan is not being reported to the credit bureaus.

This is now making it look like I no longer have a student loan, thus reducing my mix of credit, and it has severely dropped my credit score from exceptional to very good.

I've contacted Firstmark, they admitted my loan isn't being reported, but there is no resolution on their end. As I close on my new mortgage next month, my interest rates will be negatively impacted due to this drastic drop in my credit score.
Product: Mortgage

I was recently released from bankruptcy and my attorney said TD Bank never responded within the 21 day limit. I have been on time with payments and have not missed any. Since XX/XX/2022 TD Bank has not applied my payments to my account even though they have the money. I called several times and was told they would apply the payments. They have not. I have hired an attorney to have them apply my payments and he has not heard back from them. I've done everything I can to have them apply the payments. The money has been taken from from checking account and you can clearly see on statements I have been paying my mortgage on time. They are threatening foreclosure. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On more than one occasion including XX/XX/XXXX I reached out to XXXX XXXX XXXX and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over again. My lawyer has tried to reach their legal offices through certified letter sent out XX/XX/XXXX and through their customer service center XX/XX/XXXX and XX/XX/XXXX to try and reach their legal unit to no avail have not received any responses. I then receive a notice for additional payment that also states they are not held to Fair Debt Collection Practices Act but theyre a financial institution. They are a scam of a company and the CFPB needs to take them down. The Credit bureaus also need to be penalized because its no way they completed a proper investigation when their legal team can not be reached and customer service just gives the runaround. I am tired of being taken advantage of.