23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is amazing when you find out about a debt, a collection agent was to try and destroy your credit, and the integrity of the law. It has been reported to the credit bureaus by Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX of a debt owed of {$70.00} which I have no recollection of. In taking in test that was authorized by my doctor have been paid. This company called XXXX XXXX XXXX XXXX XXXX  is an establishment I'm unfamiliar with. Never took any test at this location. When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. I never received anything about services rendered from this establishment, and not anything from Credit System International , Inc. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. Please assist in this matter. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was staying at XXXX XXXX XXXX and even though they already had a card on file, they asked for another card to put a {$10.00} charge on just in case I did something to my room. I then noticed on XX/XX/XXXX that they charged my Prosper card for the room rather than the card on file resulting in a {$380.00} charge being put on my Prosper card. I immediately went to the front desk to have it sorted out and the front desk switched the {$380.00} charge to the card that was on file and gave me a receipt of this transaction as proof. They then told me that my Prosper card would have the charge released when I check out on Saturday, XX/XX/XXXX, and, after checking out, I did see that the charge was taken off my Prosper card and I was able to use my card on Saturday. I was able to make two charges on my Prosper card on that day. However, on Monday, I noticed that my card was declined for a cup of coffee and when I checked my Prosper account again, I saw that the {$380.00} charge was back on my account and was recorded as 'pending. ' It's been several days and I have spoken to customer service as well as filed a dispute of this charge as well as made sure to include my receipt in my dispute claim. This charge brings my card over its balance and I'm concerned that they may be engaging in fraudulent behavior in order to charge me extra fees when it comes time for me to pay my bill.
Product: Credit reporting

An inquiry was made on my credit earlier today from a XXXX Customer Service on Experian. I am an XXXX and have been driving all day from XXXX to XXXX. There was no way whatsoever while I was driving did I authorize any company or organization to place an inquiry on my credit. I have proof from my XXXX that I have been driving all day long and there is no possible way on this earth I would have spoke to anyone or signed anything while driving. I called Experien and they are rude and could care less that I have the proof of XXXX. Therefore I am reporting Experian to the CFPB to investigate this potential identify fraud ; in which Experian is not following the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the XXXX   data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2XXXX XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXXk {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation RXXXX ACC # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX  # XXXX
Product: Mortgage

I have attached some paperwork it is not everything as it was to much to attach. I was past due on my loan there were two payments not posted to the loan. I was going to pay everything that was past due and the two payments would be the balance I was locked out of the online portal. When you get locked out if you have signed up for electronic correspondence you wont receive any kind of correspondence. I told this to XXXX from SN Servicing. She constantly ignored my requests for information to be mailed to me. The amounts that she was saying were way off base. I had not received a statement since XX/XX/XXXX. This was XX/XX/XXXX. I also found out that they changed the terms of the loan, We purchased our home XX/XX/XXXX on a 30 year conventional sometime in XXXX or XXXX they changed it to a 40 year loan and we never refinanced. As soon as I started asking questions thats when she really didnt want to help and tried to rush it into foreclosure without sending me any information or anything that told me what they were charging me for. I am so sick I haven't slept in 5 days or eaten anything. I'm old maybe that is why they are doing this to us. I need help please someone help me
Product: Checking or savings account

I am filing a compliant with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer. Capitol One has cited technical issues, which may violate the Electric Funds Transfer Act ( EFTA ) as it requires timey access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matterto ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

I sent in a document to support my fraudulent claim with the prepaid claims department ( claim # : XXXX ) which I already complained about in my original complaint which is POSTED BELOW and I was told " OH MY XXXX THIS PROOF SHOULD BE ENOUGH HERE, THIS IS ACTUALLY GREAT, YOU SHOULD HERE FROM OUR BACK STAFF SOON '' However I still haven't heard anything an its been weeks, I was also MISINFORMED by more than one employee about complaints filed for the timing going past when they should have, for my claim on their behalf as I found they weren't actually writing them in the notes after telling me they were. 






ORIGINAL CLAIM : I filed a FRAUDULENT claim with Bank Of America in XXXX Over a year ago. I was scammed out of $ XXXX. What happened was I never received a XXXX prepaid Bank Of America card before when I signed up, so All the transactions made WERE NOT ME an they told me they agree and I would be sent a new card while they investigate. I was sent a new card but there were no funds on it as there should have been either a provisional credit as I was informed or ALL OF MY BENEFITS THAT WERE PAID OUT TO THE ACCOUNT OVER THE COURSE OF TIME SINCE I WAS STILL CERTIFYING FOR MY BENEFITS AS TOLD I've been calling an complaining on this same dispute ( claim # : XXXX ) for over ONE YEAR, as well as sent proof of transactions IN DIFFERENT STATES WITHIN DAYS AN SOMETIMES HOURS OF EACH OTHER an I still haven't been told of a final determination to the investigation NOR have I received any provisional credit or my money returned. 
Ive been evicted, Lost my cell phone due to non payment, Lost my car, Ect ..... I NEED MY MONEY. Bank Of America is in NO rush to resolve the issue as they took 90 days investigating then reconsidered it which should take 45 days or less as they said. But still nothing an i've been on standby another 70-95 days since ...... XXXX provisional credit nor did they credit me what is owed. ( ALSO : I WAS TOLD COMPLAINTS WERE FILED BY BOA PREPAID CUSTOMER SUPPORT, BUT WHEN I CALLED THE NEXT DAY AN ASKED, THE NEXT EMPLOYEE SAID THEY WERE NOT IN THE NOTES ON MULTIPLE OCCASIONS. ( IVE ONLY BEEN ISSUED XXXX $ OF CREDIT ADJUSTMENT THUS FAR ) Lastly I seen multiple transactions in different states back to back once i was allowed access to the online account. THOSE transactions dates:XXXX ( Arizona, Texas, Florida, utah ) ALL PLACES I NEVER BEEN. file attached.
Product: Credit reporting or other personal consumer reports

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  Has violated my rights 15 U.S.C 1681 section 602 : States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section : states no consumer reporting agency may make consumer reports 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

Filed bankruptcy XX/XX/XXXX attempted to reach a reaffirmation agreement with NMAC, which company presented to me with addition of late fees for the time period following my bankruptcy petition and had me set to default upon reaffirmation. I was advised against signing due to NMAC 's unfair and deceptive terms. 
In XX/XX/XXXX, while my bankruptcy was still pending I was sent a Notice of Default which included a notice of attempt to collect a debt, demands of payment in full including interest, late fees and other charges ( excess amounts are not allowed without a reaffirmation agreement ) The letter further stated that payment must be received within 10 days of receipt of notice or company would repossess the vehicle. obtain a deficiency for any remaining balance upon sale and be subject to negative credit reporting. 
The following month NMAC removed this account from my credit report with all credit beurues, instead of listing account as closed and included in bankruptcy petition. Account removed completely as if it never existed. 
My bankruptcy was ordered discharged and closed on XX/XX/XXXX and NMAC was one of the creditors listed on the notice of discharge to receive automated notice as a discharged debt. About a week later I received another notice of default letter from them with the same statements as the one received in XXXX. 
Account is still missing completly from all 3 credit bearues reports.
Product: Credit reporting or other personal consumer reports

hey there, Recently i been going over my contract with CREDIT ACCEPTANCE after my repossesion and notice that my contract was not a fair deal as a whole. My car loan started on XXXX XXXX and repossessed on XX/XX/XXXX. They are still saying that i owe a balance of {$13000.00} after roughly 2 years of payments. 
I am absolutely positive that i am a victim of CREDIT ACCEPTANCE trap for Hiding Auto Loan Costs, Setting Borrowers Up to Fail. On XX/XX/XXXX, the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States District Court. I would like to know if i am still eligible to participate in this settlement. I would like to receive monetary compensation and for credit acceptance to delete these accounts from all 3 of my credit reports for damages to my credit score and repossession which resulted in me having to reconstruct my transportation arrangements. If this is not possible i will definitely look to getting a lawyer to look over my contract and investigate.
Product: Credit card or prepaid card

complaint about an unsolicited credit card in my name this card is from the bank Comenity Capital Bank / XXXX XXXX  was requested on XX/XX/XXXX and the card arrived XX/XX/XXXX to my address the amount of the credit is $ XXXXCall the company to report the fraud with the account protection department they canceled the account and reported the fraud They also checked if there was another account under my name but they did not find anything, according to them they had not used the credit line yet, the person who served me suggested this FTC site to report fraud on my credit.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unjust Account Closure by Goldman Sachs Bank Dear CFPB Team , I am filing this complaint regarding the unjust and unexplained closure of my Apple Card account, issued by Goldman Sachs Bank XXXX 

On XXXX, Goldman Sachs Bank informed me that my account was closed. Despite my efforts to obtain clarification, I was provided no detailed or specific explanation for this action. The bank stated that the decision was based on a flag, but they refused to provide any further information to justify this closure. 

I have consistently managed my account responsibly, adhering to all terms and conditions. The abrupt and unexplained closure has caused significant inconvenience and disrupted my financial stability. Furthermore, the lack of transparency from Goldman Sachs Bank prevents me from understanding or addressing any alleged issues. 

Details of My Request to Goldman Sachs Bank 1. I requested a clear explanation of the reason for the account closure.

2. I requested a review of the decision, including the basis for the flag.

3. I requested the reinstatement of my Apple Card account if no valid justification for the closure exists.

Desired Resolution I ask the CFPB to assist in resolving this issue by compelling Goldman Sachs Bank to : Provide a detailed explanation for the account closure.

Reopen my Apple Card account if no valid reason is found.

This matter has caused me undue stress and financial inconvenience, and I feel it is unfair and inconsistent with consumer rights.

Supporting Information Bank Name : Goldman Sachs Bank USA Account Type : Apple Card Address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I trust the CFPB to investigate this matter and ensure Goldman Sachs Bank adheres to fair and transparent banking practices. 

Thank you for your attention to this complaint. I am happy to provide additional information if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey
Product: Debt collection

I have contacted RS clark and associates to provide me with the proof that the debt they are attempting to collect from me, of {$120.00} is valid and proof that it belongs to me. Instead of providing me proof, they sent me a letter that I am trying to get out of an owed debt. I recieved a letter from them in the latter part of 2021. I attempted to reach out to them prior to 2021 as well but was to no avail. I have also disputed this debt with the credit bureaus many times. Their procedure is that they send the debt to be verified to the collection agency themselves and upon the collection agencies word they update the results as to debt valid or invalid. When I asked the credit bureaus of what proof they get from these agencies when they send the dispute to them, I was advised they dont ask for any proof, if the collection agency says its valid, they mark it valid. This practice is not fair. The collection agency doesnt want to provide the proof to the consumer and the credit bureau doesnt ask them for proof, this is nothing but money extortion. I need assistance in getting this medical debt removed from my credit report.
Product: Debt collection

I spoke to 7 different people at XXXX XXXX XXXX and no-one would help. They said to complete a fraud document in which this FTC number is needed.
Product: Mortgage

I have been working trying to keep my home for the last 6 to 8 yrs. It all started when my husband became ill, I had XXXX children in college. I went into bankruptcy and came out and asked for a modification, they took about {$10000.00} and the bank Wells Fargo decided I did not fit into their program because I made about {$85000.00} a year which was too much money. I had lawyers I have made payments every month and they took my money even through I was told after I made a company do research they stated my deeds, XXXX Mortgage had not turned over the paper work correctly to Wells Fargo and they have no deeds to the property. The lawyers did nothing and in fact one of the lawyers went to jail for Fraud Wells Fargo had hired to do their mortgages for XXXX XXXX. I been to court several times, the judge throws the case out asking the mortgage company to negotiate and they never do. Here I am again 2015 with the same issue with Wells Fargo stating I need to sell the home because I make too much money to fit in their program. I need help, I do not believe Obama put these rules into place for the middle class to suffer. All I want is they need to put the arrears in the back, bring the house value down to what it is worth and restart my payment.. The only reason it has been in arrears the last few years they refused to accept my payments.
Product: Mortgage

I was offered to refinance my house with no closing cost. The day before the refinance they sent me some documents to sign through e-sign. I contacted my loan officer because the payment did not match what was quoted to me. She said not to worry about it to sign it and everything would be corrected when the notary showed. 
XX/XX/XXXX The notary showed up to my house and nothing was corrected. The notary called the loan officer but she did not answer. She reached another loan officer and he said to sign it this way the notary doesnt need to come back out. That I had 3 days to cancel. Same day I had my brother in law look it over who owns an escrow company. He said they are charging me {$10000.00} on the back end and to cancel it. I cancelled it that same evening. I called and emailed my loan officer to confirm she received the cancellation. She said she would cancel it. 
XX/XX/XXXX I called to make my mortgage payment.I could not make my house payment because it said my loan was paid off. I talk to a representative and was told to check on it in a couple of days because they need to put my loan back together. I emailed and called the loan officer and all she could say was she canceled the refinance to check on my loan at a later date. 
XXXX I called again and still voile not make a payment. I contacted the title company and was informed my loan was never canceled. I asked for the loan officers managers number. I was given XXXX XXXX email. 
XXXX I emailed XXXX XXXX and was told to hold onto my mortgage payments while they try to straighten this out. They paid off my original loan before the 3 days and sent me the release of lien on my house. XXXX reassured me this would not hurt my credit and my home would not go into foreclosure. 
XX/XX/XXXX My loan was finally put back together and was able to make my payments for the past 3 months. I was told by XXXX XXXX that everything was back to the way it was and the other loan would be voided. 
XX/XX/XXXX I receive a letter that Im in default on the new loan that was created and my house would possibly go into foreclosure. I continue to be harassed every day with calls trying to collect. When I have made my house payments. Ive asked for them to fix this and they have no urgency to do so. This has caused me to worry where I have anxiety now.
Product: Credit reporting or other personal consumer reports

Disputing an incorrect information sent by the bank and the bank is not willing to correct it without me paying them when the loan was closed out and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled credit reports, the following are hard inquiries that I did not authorize : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your help.
Product: Debt collection

I contacted the company Debt Recovery Solutions and they sent me the receipt that they bought the debt. And that doesn't reflect or confirms that the account its mine or that I was involved in that transaction. Once again I do not recognize the account or the creditors. I have not sign any contract or agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying my auto loan. XXXX and Experian wont cooperate when I asked them how they came up stating the account is verified. CFPB amp up and do something to remove XXXX XXXX   XXXX
Product: Credit card

Noticed that a payment of XXXX dollars was made on XX/XX/2024. XXXX XXXX I was charged XXXX for a returned payment. The customer service representative from synchrony stated that it was sent to the bank ending in XXXXwhich was an account that closed in XX/XX/2024. I opened this synchrony care credit in the end of XX/XX/2024. I made successful payment in XXXX and XXXX. I never added my closed account as a form of payment. I only have my current account as a payment option. Synchrony is claiming since it was done online it has to be my fault. 
Then I made a XXXX dollar payment on XXXX XXXX that shows on my current bank statement but synchrony has not acknowledged payment and been charging me interest based on the higher amount.
Product: Credit card

Good Afternoon During the Covid Pandemic in XXXX of 2020 5/3 bank reported a late payment on my credit card. It was a single late payment and the account was then paid in full and closed. 
We live in XXXX XXXX Michigan which was under shelter in place directives. I did not have the means to make the payment on line as my remote access was at my office and we were considered a non-essential business. My wife and daughter both have autoimmune disorders and I was under strick guidelines not to potentially come in contact with persons as I could bring the virus home.

I attempted to log in and make the payment from an alternate mobile device but was unable to authenticate payment as I also couldn't access my personal bank site.

I communicated this to 5/3. They even responded that they could see my navigation on their site but that a payment was not received - ( due to my inability to access my XXXX for my ba

nk ) I wrote and called the bank explaining this but they still have never corrected the score. It has increased my cost of borrowing and has limited my ability to refiance. Thank you for your time.