23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2022 This company is a fraud and scale. They told me they would. They were putting me in a program where I would pay {$50.00} a month with no interest in. And I'm still paying interest on this company. I paid a {$50.00} every month and somehow. I looked at the count today. The interest is still paying. So I called the company and talked to someone. That person told me that this company never put me in the program. So I'm still paying interest. They're not sticking to they bargain What they sent to me from XXXX  And it's like when they took gave me a XXXX XXXX it went right back on, so I'm never gon na get out of debt with this company. I'm just don't understand how you can tell customers one thing, and do something different it's sad that I can't get the help and the young lady told me. I was never signed up in no program at all and when I contacted them regarding about what letter that was sent to me. And I even emailed it to the company as well. No one still reached out and tried to help me. This company is really scamming me and I don't have it. They shouldn't have lied and told me. That was putting me in the program where they keep hitting. My critic report multiple dives. No company should be able to keep putting. The same thing on your credit report. XXXX times each month they report the account is closed and they keep charging interest and taking my credit score down. Lower and lower someone. Please help me with this situation. Because this company is not sticking to what they said about the program that they were talking about me paying back.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete 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 XXXX XXXX XXXX XXXX  PLEASE REMOVE THIS ACCOUNT AND INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter from Diversified Consultants, Inc. informing me of a {$710.00} balance due with XXXX XXXX. I sent a letter on XXXX XXXX, XXXX requesting verification of the debt. I received a letter from Diversified Consultants , Inc., dated XXXX XXXX, XXXX with a statement dated XXXX/XXXX/XXXX showing a balance of {$710.00}. However, I also have a billing statement from XXXX/XXXX/XXXX showing a {$0.00} balance from XXXX XXXX, one month after the statement from XXXX/XXXX/XXXX. This was not sent to me by either XXXX XXXX or Diversified Consultants , Inc . I gained access to my online account through XXXX website, where I downloaded the bill. 

XXXX XXXX canceled the bill principal of {$710.00} on XXXX/XXXX/XXXX. If anything, the original creditor should issue me a copy of IRS Form XXXX. The IRS requires this form for each debtor a company has canceled a debt of {$600.00} or more. My canceled balance of {$710.00} meets this requirement. The {$0.00} balance, {$710.00} credit, and lack of payment due on the XXXX/XXXX/XXXX shows that XXXX XXXX has canceled this debt, and will likely receive tax benefits. 

In XXXX, XXXX similarly tried to collect on an amount that had been noted as an " internal charge-off '', and was denied, as this may have created a mandatory duty under IRS regulations to issue the defendant a XXXX Creditors who benefit from this tax practice may render it " inequitable '' to allow them to belatedly enforce the alleged debt after it received the benefit of a charge-off. ( See, e.g. XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX ( Dist Ct XXXX XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX ( Bankr Ct XXXX XXXX XXXX ) [ " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ] ; see also XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( App XXXX ) ( issuance of Form XXXX after debt was written off is " XXXX '' that debt had been discharged by creditor, sufficient to create an issue of fact ) ; XXXX. 

I have included a copy of the final statement that shows the {$0.00} balance from XXXX XXXX, which I had to obtain on my own and was not sent to me during the verification process. Also, I have included the statement sent to me by Diversified Consultants , Inc. for XXXX XXXX, and the letter from Diversified Consultants accompanying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to Experian concerning an account on my credit profile from XXXX ( XXXX XXXX University ). I informed them the the account didn't belong to me and if it did, I was requesting they validate the account. They didn't report the account as valid, they instead updated the balance owed on the account and stated that the account changed from charge off to a collection when both XXXX and XXXX   deleted the account because the companies could not validate the debt as mine.
Product: Debt collection

15 U.S. code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!!

These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Debt Amount : {$1900.00} Date opened XX/XX/2023 All of this above information is false, inaccurate and this is my second complaint. I have disclosed that I did not live at the residence the XXXX  account is associated with. The house was sold to XXXX and XXXX XXXX. I will be attaching the deed title to show proof. This debt belongs to the XXXX not XXXX. I have reached out to this company and they continue to state this is my debt and it is verified which is a LIE. 

I have not lived at that residence in years and this account is from XX/XX/XXXX of XXXX. This information, date, debt, address, is all false and incorrect. You are violating my fair credit report rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company named synchrony bank which we have no idea why they are calling but they call 4 or 5 times a day staring at XXXX and ending at XXXX. No one is ever on the line they never leave a message but the calls are annoying.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year>2025 Experience Information Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX RE : Formal Dispute of inaccurate credit reporting under FCRA and Consumer Law.

To whom it may concern, Im writing this letter to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act FCRA and consumer law 15 U.S.C & 1681i, which requires credit card reporting agencies to conduct a reasonable investigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against experian the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. Code 1681i ( a ) ( 1 ) ( A ) l, Experien is required to conduct a thorough and reasonable re-investigation of disputed items within 30 days. Furthermore, under 15 U.S.C code 1681i ( a ) ( 5 ), any information to be found inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough or re-investigation of disputed items disputed on credit-karma.

2. Provide me with documentation providing me accuracy of all the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect experian to handle this dispute with the upmost seriousness and compliance with legal standards. facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

On XX/XX/XXXX I logged into my account and found out that a charge was made for XXXX to XXXX. I did not make this charge. I called the bank and reported fraud and cancelled my card immediately. I was informed that it would take XXXX days to get a replacement card. I was also informed that someone linked my card to their XXXX account on XX/XX/XXXX and made this purchase and they could see that. 

On XX/XX/XXXX I called for an update. I was told there was none and my card was in the mail. XXXX ( the customer service supervisor ) told me they couldnt see anything about the charges and I should have asked the card to be overnighted which was not presented as an option to me on XX/XX/XXXX when I called. He told me to stop calling and they will not be reaching out to me about this. 

I checked my mail later that day and received a letter saying that my address at the bank had been changed and the letter was being sent to my old address. I called back and they said someone changed my address and the debit card I requested was going to that new address in XXXX wisconsin ( not where I live ). They then cancelled that replacement card and said they would send me a new one. I also asked why I was never alerted about the fraud charge as it was suspicious and it overdrew my account. They said to just deal with it. 

I have also tried to dispute this through XXXX directly as it is not on my account and it is fraud. XXXX has asked for the charge id and info from the bank. I requested that from associated bank and they have refused to provide it
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt for Rhode Island Student Loans was update as current even though i already past my statue of limitations. Collections was opened in XX/XX/XXXX, RISLA falsely updated as current in XX/XX/XXXXand XX/XX/XXXXof XX/XX/XXXXin order to re-age account. I never made a payment nor did i ever contact them so this is fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to transfer XXXX XXXX  dollars ( {$1000.00} ) from XXXX XXXX  through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Product: Mortgage

On XX/XX/XXXX, I requested that the escrow account associated with my Mr. Cooper mortgage be cancelled. In response, Mr. Cooper granted my request on XX/XX/XXXX ( see Mr. Cooper correspondence ) and indicated that my XX/XX/XXXX payment would now be {$1600.00} ( principal and interest only ). However, despite Mr. Coopers assertions in their written correspondence, their payment site indicated that I still owed P & I and the escrow portion of {$880.00} for a total of {$2500.00}. As a result, I made my full payment on XX/XX/XXXX. ( See evidence of payment provided from Mr. Cooper via email. Also notice that the monthly payment on the receipt indicates that {$2500.00} was owed. ) On XX/XX/XXXX, I requested the status of my escrow account refund through Mr. Coopers secure messaging site. On XX/XX/XXXX, Mr. Cooper indicated that my escrow check was issued on XX/XX/XXXX ; however, the amount issued didnt include the most recent escrow payment I made on XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. Cooper that they mistakenly applied the {$880.00} toward pay-down of the principal on XX/XX/XXXX, that their payment site didnt indicate that the {$880.00} would be applied to the principal ( meaning I never authorized the money to be used that way ) and that I needed this money to pay my XX/XX/XXXX local property taxes when theyre due in XX/XX/XXXX. Mr. Coopers response thus far has been to first deny reimbursing me the money, then indicating that Id receive a written response, then, upon receiving the written response, informing me that theyve deferred the decision until XX/XX/XXXX. At this  point, due to Mr. Coopers denials and delay tactics, I have no confidence that theyll reimburse me the full escrow amount that Im entitled to, and I fear that Ill have to make up the shortfall when my taxes are due.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XX/XX/2018 To Whom it may Concern, Regarding XXXX credit card from Capital One. 

In a recent inquiry about XXXX credit card account we were informed that his account had been closed out because it has been inactive for over three years and there was no balance. The account had over 80,000 valid airmiles that is worth a cash value of around {$400.00} dollars. 

We reached out to Capital One regarding this issue over a year ago. We asked that a replacement credit card be mailed so XXXX could use the account thus keeping it active. We never received the replacement credit card but did receive a statement with a XXXX  balance. Shouldnt this action alone create an active status? 

I was informed that we should have received email and mail about the account going inactive. To the best of my recollection we didnt receive any. 

Im reporting this issue because I think this is an unethical practice that benefits the credit card companies. They have basically stolen money from us that we saved and earned over years of purchases on the credit card account in the form of " airmiles '' If they insist on closing the account shouldnt they have at least paid out to us the point value in cash. What happened to the never expires airmiles promise! 

I would appreciate any help regarding this matter and would like the public to be informed as well. 


Regards, XXXX XXXX
Product: Vehicle loan or lease

I lost 3 cars in Hurricane Ida on XX/XX/XXXX. Two cars were dealt with expeditiously. That was not the case with my XXXX XXXX XXXX, leased through VW Financial Services. The car was insured by XXXX. Here is a time line of the frustrating events : XXXX Car declared a total loss by XXXX XXXX I requested a payoff letter from VW Credit XXXX XXXX sent the exact amount of the payoff letter to VW Credit XX/XX/XXXX VW Credit cashed the check VW has insisted on XXXX, XXXX AND XXXX monthly payments, on a paid-off car I have made all those payments Since XX/XX/XXXX I have been on the phone numerous times with VW Credit and now they are trying to say that an insurance payoff is {$6000.00} more than the payoff they quoted me, in writing, verified, and they cashed the check from XXXX. 
VW Credit is not releasing the title. Additionally, wait times to contact them run from 35 to75 minutes just to get an agent. My credit score is XXXX, so I am vigilant in keeping all accounts current.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Associated Bank regarding the suspension of my ability to schedule transfers and the complete lack of response from their customer service department. I believe that my experience with Associated Bank has been frustrating, unprofessional, and a significant inconvenience. 

Details of the Complaint : Inability to Access Account : On XXXX I attempted to log into my online account with Associated Bank, but I was unable to do so. I received an email notification stating that my " Ability to Schedule Transfers Has Been Suspended ''. 

Attempts to Contact Customer Service : Immediately after receiving the suspension notification, I contacted Associated Bank 's customer service department through their provided helpline. The representative informed me that my case had been assigned to someone who would handle the matter and assured me that I would receive a call from them the following day to discuss reactivation of the service. 

Lack of Response : Despite the assurance, I did not receive any call or communication from Associated Bank for several days. After waiting patiently, I called their customer service again, and once more, I was promised that someone would contact me within the next 24 hours. Unfortunately, as of today 's date, which is almost two weeks after the initial suspension, I have not received any response or call from them. 

Inconvenience and Loss : The inability to access my account and schedule transfers has caused me significant inconvenience and stress. I rely on these services for my financial obligations, and the lack of access has affected my ability to manage my finances effectively.
Product: Student loan

The company is Navient. My issue is not that they would call me- I understand that. Actually I had to change my phone number because they harassed me consistently. Now they are harassing my family members. Ive told them twice-both times via email so that I can retain copies of the correspondence to stop contacting my family. Its my understanding they are required to do so once they hear from me. The first time was XX/XX/XXXX- I asked them to stop bothering my XXXX year old mother. The second time was tonight-XX/XX/XXXX after my son got a phone call. I told them I had already warned them I would be reporting them if they continued to contact my family and that was now my intention. They can email me-they can send me letters they dont need to harass my family several times a day. I have not received one letter from this company just constant emails and constant harassment of my family.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX  XXXX Date Opened : XX/XX/2003 Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several unauthorized accounts and one fraudulent inquiry appearing on my credit report. These unauthorized entries were made without my knowledge or consent, and I am requesting immediate action to correct this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have filed an official identity theft report with the Federal Trade Commission ( FTC ), and I demand the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report.