23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an account with XXXX. I owed a balance of about {$1300.00} for the XXXX XXXX account. I was paying this account every month for {$80.00}. Then I received a bill from them stating that I owed a balance of {$1300.00} with a past due amount of {$470.00}. I called because the payments were being deducted from my account every month. It turns out that because they are no longer working with XXXX  XXXX, they closed out my XXXX XXXX account and open a new account for me called XXXX XXXX which is the account that I was paying for when I thought I was paying the XXXX XXXX. The balances owed on both accounts were about the same amount so that was the part that confused me. The previous balance that I owed on the account they closed out, they now wanted full payment on of {$1300.00}. I contacted XXXX around XX/XX/2022 when I received the notice. I first asked to speak with a manager because I didnt ask for the first account to be closed and I didnt give authorization for a second account to be opened. The manager stated there was nothing they could do. When explaining that I didnt have the money to full pay the balance and I requested a payment plan or for the accounts to be merged, they stated that wasnt possible. I attempted to send a payment of {$50.00} to start paying off the old balance on the XXXX  account and XXXX returned the payment with a letter dated XX/XX/2022 that stated they sent the account to collections. Now I have a collections account on my credit report and Im having to deal with Midland Credit. This is unjust because I was never given an option on closing one account and opening another. I was never notified that I now have 2 accounts. I was not given a reasonable option to satisfy the balance with XXXX before they sent it to collections.
Product: Credit card or prepaid card

Back in XXXX, XXXX ( XXXX ) was sold or purchased by CitiBank. XXXX sent me a letter that my account " was not eligible to transition. '' And that my account was closed. It took 7 months and a complaint to you to get a response from XXXX as to why. ( Sort of ) They said that it was not them that said I was not eligible, but CitiBank. This is very strange as I was sent a credit card by CitiBank, but when I went to use it, it was denied. So I called the # on the back of the card to ask why and was told that there was no record of that card # and it must have been sent by mistake?!?! REALLY??? I spent over two hours on the phone with CitiBank and NO ONE had a clue as to what happened? I have names, phone # s etc on who I talked to that day. So based on my response from XXXX thru you, I sent a certified letter to CitiBank asking as to why I was denied. I have pulled credit reports that I have a Credit Score of XXXX, never late on payments, paid ahead on accounts, etc. The letter was signed for XXXX XXXX  XX/XX/2020. I have not received a response as of XX/XX/XXXX and am obviously being blown off. I am entitled to a reason as to why my credit was denied!!
Product: Student loan

My personal and financial student loan data was compromised, violating FERPA. FERPA protects the confidentiality of student records and this breach is a clear violation and the ability to safeguard my private information has been compromised. 

I request full cancellation of my student loan debt.
Product: Credit card

I live in XXXX and am XXXX, but I own a house in Florida ( worth about XXXX XXXX ) and have bank accounts with XXXX XXXX Bank and debit cards. I have been in the XXXX for over 15 years and have also had a company there since 2016. I have a tax number but no social security number. I also have a XXXX driver 's license and a XXXX XXXX. Now I wanted to apply for a credit card at Apple, but they say that this is not sufficient due to a lack of credit history and their check! 

Translated with XXXX ( free version )
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX XXXX in XX/XX/XXXX. I tried it for just under one month and decided it was too expensive. I canceled the service before they billed and received confirmation of my cancellation. They billed my XXXX  account XXXX anyway. I disputed the charge and they refunded. Now, in XX/XX/XXXX, theyve done it again for the 2nd time.
Product: Debt collection

This is as old as XXXX and it was settled after my son was XXXX and everything was returned to them. JEFFERSON CAPITAL SYSTEM XXXX {$2600.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX High Balance {$2600.00} Original Creditor XXXX Past Due {$2600.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had to enter a court ordered XXXX  at the XXXX XXXX XXXX, XXXX Georgia, and my XXXX XXXX card did not get paid on time a few times in a row, due to that situation. These look like missed payments, but in actuality it was a family miscommunication and autopay did not get turned on. 

The same in XXXX, I was placed in XXXX  because I have an XXXX  problem. Since then I have got my act together, my debt has dropped tremendously, and my score has raised, but these " missed payments '' are still on my record because the State of Georgia XXXX XXXX 

Late payments have not happened since. Can these be taken off?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer servicer and unfair practices, which violate the Consumer Financial Protection Act failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Mortgage

We fell behind on our mortgage payments because I could not work during covid 19 pandemic. We requested for forbearance and were granted forbearance effective XX/XX/XXXX through end of XX/XX/XXXX. 
I was still not able to go back to work when forbearance ended, then we requested for another 6 months extension and were denied. According to XXXX XXXX, if a homeowner still had difficulty making monthly payments they were entitled to another 6 months forbearance extension, which we were denied. 
After falling further behind on our monthly payments, we requested Shellpoint Mortgage several times to offer a workout that would bring our payments up to date, like : XXXX ) Put the delinquent amount at the end of the loan when we were just few months behind XXXX ) Adding the delinquent amount to regular payment over 5 year period. 
XXXX ) In early XXXX when market interest rate dropped below 3 %, Shellpoint Mortgage turned a deaf ear on our repeated request to reduce our current rate of 4.625 % to make monthly payment more affordable. 

As per letter ( uploaded ) dated XX/XX/XXXX Shellpoint Mortgage claimed we have not applied for any loss mitigation workout : Shellpoint acknowledged completed applications for modification ( letters uploaded ) as of these dates : XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 

To make things worse, instead of offering any sort of loan modification Shellpoint Mortgage went ahead and foreclosed on our home ( letter uploaded dated XX/XX/XXXX ) Under Federal Law and California home owner bill of right it is illegal to start foreclosure proceedings when loan is under modification. ( Uploaded letter dated XX/XX/XXXX of completed application )
Product: Credit reporting or other personal consumer reports

I recently relocated to XXXX XXXX XXXX with intentions of renting a nice comfortable place for me and my son to live. Unfortunately, I have been denied residency from every apartment complex that I've applied to, The reason for the denials is because there's a civil court case on my report that shows that I have not satisfied the judgement that was placed against me in XXXX. Because of this egregious oversight my son and I have been homeless since moving here in XXXX. I moved here without a concern simply because I just knew that the plaintiff 's lawyer had submitted the proper documents to the justice court in XXXX  showing that I'd satisfied the judgement and also because I'd been diligently working on my credit and it went from bad to good. So I didn't foresee myself having any issues. 

Well that has not been the case. We've been using money that we were going to use for rent on a hotel. Which isn't cheap. This has caused my son and I to be XXXX XXXX Not only have I been wasting my rent money on the hotel, I've also been losing money on non refundable application and administration fees from every apartment complex that I've applied to. I'm also losing money because I hired a moving company to move our things from XXXX XXXX XXXX. I told the moving company that they could head to XXXX with our belongings within a week. Due to the fact that we haven't solidified a place of our own, I'm running up a tab with the moving company. 

Someone has dropped the ball with this and because of it, I'm homeless, sad, in an unfamiliar place as well as XXXX. My son and I are so ready to have our belongings back from XXXX and a place to call our home. We are not comfortable being in this hotel. Again, it's been over a month and he isn't in school yet nor am I working because I don't know where we will be living. Just as I've satisfied my obligation to the courts, someone needs to satisfy their obligation, which is to report correct information on these reports. Especially since they have a profound impact on one 's life. I need to be made whole as this isn't because of any wrongdoing on my part.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased four gold chains that were sold to me as solid 14kt gold for a total of {$6500.00} XX/XX/XXXX I contacted my credit card Capital One to inform them that the gold chains were not gold, that they were fake. Capital One credited my account {$6500.00} XX/XX/XXXX Capital One reversed the credit of {$6500.00} to the merchant. 
XX/XX/XXXX I submitted all my documents to Capital One. Documents included receipt from jewelry, pictures, my statement letter, and proof that the jewelry is fake. 
XX/XX/XXXX I also submitted per Capital One 's request a formal 2nd opinion letter from the Jewelry store that tested the four chains that proved that they are fake. Since this dispute was opened XX/XX/XXXX Capital One has done a horrible job at fighting my case. Every time I contacted Capital One regarding my case no one seemed like they knew what was happening. Capital One denied my dispute for a loss. There is more then enough evidence to support my case. I was scammed for {$6500.00} and Capital One did nothing to help me.
Product: Debt collection

I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX '', has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However, NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX, double the original amount, on my Equifax credit report also. I have contacted NCC Business Services multiple times, explaining to them that they are double reporting this matter and falsely representing the character, amount, and legal status of the debt. But no one will listen and remove this debt collection account. Therefore, it has been ruining my credit for the past yr and a half. I have been advised this is illegal what they are doing and I would like it to be corrected as soon as possible. I have physical proof that this matter is being reported twice on the same credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX payments were made to Carrington, both payments came from bill pay with name and address and account number for XXXX and XX/XX/2022. Carrington improperly posted the payments. XXXX XXXX XXXXXXXX has presented documentation to correct this issue. Carrington sent me information correcting the posting of the payments. Carrington also, notified me that my credit would not be affected. I have tried to refinance getting a low locked in rate which carrringtons mistake has prevented. I have been notified that all three credit bureaus have late payments for XXXX and XXXX of 2022 for the same account which was wrongly accused of late payments, causing financial hardship. With interest rate rapidly rising carringtons mistake will put me in a unlivable financial position. I need this mistake corrected within 24 hours to secure my rate.
Product: Debt collection

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Upgrade * Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau in violation of Metro 2 Compliance, also FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this items and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this items XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXBankruptcy XXXX  XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Capital One mastercard. Today on XX/XX/XXXX I received an approval email ONLY if a send copies of my ID which were NOT required for online application. After several phone calls to XXXX, representatives refused to close card ending in XXXX with a {$300.00} limit & send a letter stating closed by consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is acurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceedin ( File No. XXXX ) against them for similar violations. 
I request that the CFPD take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of the investigation. 

These are the account I have marked inaccurate. 

XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft multiple times, I have been a victim of multiple data breaches where my information was leaked by XXXX, XXXX, and XXXX 
As a result of irresponsible handling of my information has lead to new fraudulent accounts being opened and fraudulent transactions taken place. All have been reported. I have filed disputes over the fraudulent material and XXXX is the only reporting agency who refuses to remove all the fraudulent accounts from my credit report. Other agencies have removed some of the accounts but not all accounts. Again there are fraudulent accounts on my credit report that XXXX claim are my responsibility. They are fraudulent and have been reported to the FTC as fraud. This is costing me opportunities for housing and negative information is being reported to credit agencies. Costing me credit accounts, bank accounts, and housing.
Product: Credit card or prepaid card

Have contacted you a few times about strange charges on my card. It looks like your files have been hijacked and some strange merchants are charging my account. 2 of them have been successfully canceled but one form XXXX for {$110.00} keeps on repeating. Together with your rep, we have contacted the merchant and he could not give any details about the charge. Your rep agreed that this is not legitimated charge and reversed the charge. but the same amount came on again later. Again contacted XXXX but nothing happened. Went to the local bank and the branch XXXX called you and assured me that I will get a new card and phoned XXXX and agreed that the whole conversation with XXXX indicates fraud. Nothing happened. Went again to the Chase bank and the assistant vice president phoned XXXX and assured me that the problem is solved and I will get a new card. Checked my balance and credit for that amount was given but the new card did not arrive. When receiving info about the card statement I have noticed that the amount was charged again. A merchant refuses to send me information about their grocery charge, I did not order anything from XXXX and contrary to all assurances for XXXX and Chase - nothing is happening. I will appreciate a speedy response to this fraudulent charge and credit on my account- so many times promised.
Product: Credit reporting or other personal consumer reports

All collections and charge off accounts needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me email to XXXX XXXX
Product: Checking or savings account

BBVA has been warning for months about shutting down their Simple banking service and moving everyone to BBVA. On Saturday, this transition happened, and their system immediately broke. There is no way to fix it online, and calls to customer service involve being on hold for hours only to be hung up on. I can not access my money or my account.
Product: Payday loan, title loan, or personal loan

I am a senior citizen and a little over a month and a half ago, I attended a little seminar by a XXXX. I paid out of pocket for the initial evaluation and brought my XXXX XXXX   with me. His name was XXXX XXXX. He made alot of claims and promises and I signed up for treatment for my XXXX. After six sessions, I found I was getting no relief and my problems with my XXXX were getting worse. I told the girl XXXX at the front desk that I did not want to be billed in advance of my sessions. Instead, through Care Credit, I was billed XXXX when I only saw this doctor six times and I paid for the initial visit out of pocket. In addition, this doctor said he would give one visit free for each visit. I called Care Credit and said I do not want this on my account. I never wanted to be billed for the full amount ahead of time. Care Credit my account ends in XXXX, said they would contact the provider. I said I got no relief and I received no detailed invoices from each visit showing what was billed to XXXX, etc. I requested this information more than once. Care Credit did not remove this {$4000.00} I am protesting. I checked today again and nothing was taken off as I asked. I called the XXXX  and they did not remedy this and never gave me copies of billings. I told them I do not want anything to do with their office after this issue. Again, Care Credit is billing me the full amount after I protested this. I need something done right away. I am very upset. They provided me no signed contract, nothing. I need something done right away.