23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., XXXXSTATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told to file a complaint with ftc.gov/Equifax due to the breach and chose the {$120.00} option due to the fact that I had had fraud protection due to breaches with other companies in the past. 

Now I find out that there were so many people choosing this option that it is not going to be financially possible to get a {$120.00} check and that we would be " disappointed '' with the amount. 

That is not MY problem or the problem of the people whose information was compromised by the breach. I don't care if Equifax doesn't have enough money to pay out. If a private citizen was ordered to pay a specific amount, that citizen would have to pay that amount or their wages would be garnished at the very least. This is a large corporation, not a private citizen, and this is a serious matter. {$120.00} is an EXTREMELY small sum to pay for what happened. 

At this point it looks like I'm going to have fraud protection for the rest of my life because businesses don't want to have to pay for their mistakes, or they somehow don't HAVE to. I just got hit AGAIN by the XXXX XXXX breach. This is absolutely ridiculous. I feel at the very least, make it right to everyone who opted for the measly {$120.00}. If you want to fine tooth comb people who are opting for the higher payouts based on their time and money and what have you, go ahead, but according to YOUR website, everyone who was eligible SHOULD BE PAID what they were TOLD they were eligible for. It doesn't matter if Equifax is crying that it's too much money. That problem is NOT OUR PROBLEM. THAT problem is EQUIFAX 'S problem.
Product: Credit card or prepaid card

I received a text claiming that my XXXX account had been hacked. I called the number in the text, a number that appeared to be an official XXXX number that was also appeared to be associated with the XXXX online site. To fix the problem, they instructed me to purchase " security cards, '' which were really XXXX gift cards, to investigate the hackers. While on the line with them, I purchased {$3500.00} worth of cards, which were really just store gift cards, and they pressed me to buy more. Each time, they sent me a text message from the " XXXX fraud team '' that my charges were being refunded to my credit card, including the last XXXX digits of my Capitol One credit card number in the text. Realizing that this was likely a scam, I returned home to try to stop the charges. When I returned home, I checked my Capitol One credit card account online to see whether the funds were being refunded. I saw that the charges for the cards were still pending on my account, and tried to cancel them online. I called XXXX and confirmed that this was a common fraud. I then called my Capitol One credit card company and spoke with an account XXXX, who told me to wait until the charges were posted to file a dispute. I got off the phone with the clear notion of " not to worry '' -- that Capitol One would take care of it. I then thought that perhaps I could return the " security cards '' to the store. I called Capitol One again and spoke with a different account XXXX, who informed me that most likely my account would not be refunded with a dispute. She said that I should call the merchant -- XXXX -- whose credit cards I had purchased. I called XXXX, and was told that the gift cards had already been redeemed, and that there was nothing more that they could do. I called the Capitol One a third time because the charges were still pending. The account XXXX said that because I purchased the cards with a chip, it was not considered fraud, but that I could still close out the card and file a fraud report. I asked her to do this. She insisted that they could not stop the pending charges. She said that the charges would be temporarily credited but would be re-installed after the investigation of the fraud report because I " authorized '' the purchase with a chip. 

I was shocked that the gift card merchant, XXXX, who pocketed the {$3500.00}, had no other recourse of action. I was even more shocked that the credit card company did not consider this a matter of fraud. Even the account XXXX we spoke to last was not aware of this policy -- that such activity would not be covered by the fraud insurance -- and had to consult a supervisor. We asked why, given the irregular pattern of purchases, Capitol One did not put a hold on the card, as we have experienced a couple of times before when irregular purchases have put the account on alert. Given that this is a " common '' fraud scheme, it is alarming that the credit card company has not created an algorithm to help prevent this.
Product: Debt collection

Vance and Huffman reported to the credit bureaus that a debt is mine. This debt is not mine and was either a result of identity theft or fradulance if they have my information. I never once signed anything with my physical signature authorizing the debt in my name and I asked to have it removed immediately. I have recieved no response and it remains in my reports. This has caused financial stress and burden upon myself and family. The debt was from XXXX XXXX for over XXXX dollars and I have zero idea what this company is. I pay all of my bills on time. They never sent anything in the mail as I requested with my physical signature nor responded at all. They never sent anything to me ever actually. And now I have this collection that isn't mine on my credit report not being removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company XXXX XXXX XXXX  and XXXX as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit card or prepaid card

I had three credit cards from CitiBank including one XXXX credit card ending with XXXX since XXXX, a second XXXX credit card ending with XXXX since XXXX or XXXX, and a XXXX XXXX credit card ending with XXXX since around XXXX or earlier. I had never missed a payment to any of the three Citi credit cards since I had them. As a matter of fact, I had never missed any payment to any of my credit cards with Citi and/or other credit card issuers. In XX/XX/XXXX, I made {$20000.00} purchases on card XXXX and another {$20000.00} purchases on card XXXX, and I had already paid off {$17000.00} on card XXXX and paid off {$18000.00} on card XXXX by XX/XX/XXXX. However, Citi closed all of my three credit cards aforementioned on XX/XX/XXXX. I called Citi on XX/XX/XXXX, and a Citi representative told me the reason Citi closed my accounts was because I had a very high overall revolving credit line so Citi decided to close my accounts. I asked the representative could he help me submit a request to re-open those three credit cards for me based on the facts that I had been a long time Citi credit card customer, that I had never missed a payment, that I had a very good financial health, and that the overall revolving credit line I have from all of my credit cards is not high relative to my income. The representative asked for my income and helped me submit a re-open request. XXXX XX/XX/XXXX, I called Citi again and found out that Citi declined to re-open those XXXX credit cards for me. Additionally, Citi refused to give the remaining reward points back to me which worth about {$600.00}. Those reward points were earned from the purchases I made on cards XXXX, XXXX and XXXX. On XX/XX/XXXX, I received a letter from Citi, saying that the reason of closure was that my credit report shows a number of revolving credit accounts with balances that are near or at the credit limit, which was not true/accurate, and it was not the same reason as the representative told me on XX/XX/XXXX. Citis claim was not true/accurate because I only made large amount purchases on my Citi cards XXXX and XXXX. I do not have high balance on any of my other credit cards with any other issuers. What is worse, as a result of the abrupt and baseless closure, my credit score ( from XXXX ) fell from XXXX to about XXXX. Citis harmful action has damaged my credit score significantly, especially during a time that I am preparing to buy a house. I am really disappointed at the way Citi treats its long-time and loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans with XXXX XXXX, which are in default. XXXX XXXX was either sold or changed its name to XXXX. XXXX is now reporting my loans like the default just happened all over again. This is unethical and dishonest. My default is old, not something that just happened.
Product: Credit card or prepaid card

I have had my Capital One Credit Card for over a year. 
I have never had any issues, I've never filed any disputes, I've never lost my card, or had any other issue with this account... 
I have been paying my Capital One Balance with my Checking account since I first opened the Capital One account... 
On XX/XX/2022 Capital One placed 'Restriction ' on my accounts, and requested I call their 'FRAUD ' department... 

I called immediately ... The agent informed me that there was 'Suspicious ' activity on my Capital One account ... When asked what this 'Suspicious " activity was, they informed me I made 'Too many payments to my balance ' ... Baffled I asked why that was a problem, they informed me that I needed to verify the account that I pay my balance with as being my own and that I'm authorized to use the account to pay capital one with... 

If this verification had been requested at the time I first made a payment to Capital One I would understand, but I have been using the same account ( That belongs to me ) to pay my capital one balance for OVER A YEAR and for Capital One to Restrict my account makes NO SENSE, but requested I submit bank statements to verify ownership of my account. 

On XX/XX/2022 I submitted XXXX Full months of Bank Statements to Capital One, however my account is still restricted... 
Additionally, I once again spoke to Capital One 's Customer Service and was informed that it would take 7-10 DAYS for the review to be completed... .WHAT????? 

Capital One has implied I the customer has in some way done something 'Suspicious ' wrong by making a payment!!! 
They Further made matters worse when they told me to call their 'FRAUD ' Dept, to discuss this SUSPICIOUS activity ( Which was me making a payment from the account I always make payments from ) and ever further making matters worse by restricting my account for 7-10 DAYS while they verify the information that was sent to them on XX/XX/2022... 

Again, This is ridiculous, and a HUGE waste of time. Capital One shouldn't be allowed to restrict my account when there has been NO ISSUES, or other problems, and imply that I did something suspicious and imply I committed Fraud ( A FELONY ) by simply making a payment. 

If this doesn't look ridiculous and unacceptable to whoever is reading this then maybe I'm just crazy!
Product: Debt collection

I received a letter in the mail midXXXX from Transworld Systems Inc. stating that I owed {$140.00} for a XXXX account number XXXX. I do have XXXX account, but that is not my number, and I immediately called XXXX to verify that I did not miss any payments. On XX/XX/year>, I contacted XXXX  support by phone and they confirmed that I am up to date on payments and that they would never bill me an amount like that ( my monthly payment is {$64.00}, it does not make sense to have a {$140.00} bill ). I then logged into XXXX XXXX XXXX  and requested validation of debt as instructed in the letter I received. The website said that it was submitted properly, but I never received any notification or anything otherwise that it was submitted. 

On XX/XX/year>, after not hearing from TSI, I again requested validation of debt. On XX/XX/year>, I received another letter in the mail for the same XXXX account number XXXX, only this time for {$150.00}. I attempted to log in to XXXX XXXX XXXX only to be met with the following message : " We are unable to service your account through the web portal. Please call us at XXXX Monday to Friday XXXX XXXX. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. '' I am now submitted a complaint as I've submitted two requests for validation of debt only to receive another letter in the mail claiming a different amount of debt from the first letter. They've also locked me out of their website. This is fraudulent activity as far as I can tell- the XXXX account number does not match my XXXX account and XXXX has confirmed that I am not behind on any payments.
Product: Credit card or prepaid card

Account ending XXXX An ACH deposit from a settlement, XXXX, in the amount of {$10.00} was being held pending verification on XX/XX/XXXX. As requested by Netspend, I called in to verify, spoke with several reps, confirmed the amount and the sender.. Reps were explained the amount is due to me, a settlement payment, reps claimed transaction can not be processed because my name is not on it when other ACH deposits from XXXX  by XXXX XXXX have processed without my name with no issue. The amount, {$10.00}, was debited on XX/XX/XXXX from my account and credited back on XX/XX/XXXX. Needless to say, the item was rejected back.. A XXXX with Netspend Corporate office tried to infer the issue was resolved stating the amount was credited back, ignoring the fact the item was debited prior and the amount is due to me.. His reply was submitted in re to a XXXX  complaint filed, ( XXXX XXXX XXXX ) , which is unresolved. I believe the item was rejected in error and request Netspend credit the amount to resolve issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion by phone 7 times to report that I had not applied for credit and there were 36 inquiries on my Credit Report. I explained that I have a fraud alert on my Credit Report as I did not make these inquiries. I want these inquires removed from my Credit Report. I have attached a letter where I have also stated that I no nothing about XXXX XXXX XXXX or XXXX XXXX XXXXXXXX.
Product: Debt collection

I was contacted by a company a few days ago saying i owes a debt I XXXX XXXX told that company i have no knowledge of this debt that i been a victim of identity theft and thats wasnt my debt they told me they would be places this on all three credit reports and dismissed the call this debt just appeared on my credit report with XXXX  and XXXX i will like this debt removed because its not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I never lived in XXXX florida I 've live at XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XXXX to year XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and XXXX continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX XXXX
Product: Mortgage

I spoke to a representative with Lakeview - Loan Care a couple of weeks ago to ask a question about our homeowners insurance escrow account.

We have switched homeowners insurance to a cheaper policy in order to lower our mortgage payment amount. Our previous insurance provider sent us a refund check, and I'd like to apply that to the shortage on our escrow account to catch it back up from the switch over. I called to get information on how much we needed to pay for the shortage, and how to make that payment.

The representative said since I wasn't on the loan account, and was not listed as an authorized user, I had to get my husband ( who is on the loan ) to add me. They asked that he call, however, he is in the military and XXXX to XXXX and can not make outgoing calls or accept incoming ones. So they suggested he go online to the website to do it. 

He did access the website and added my information in the request, but did not hear anything back or receive any further correspondence on it. When I called back to try and get the information, they said they still did not have the request or have me authorized on there. The rep said to give it a bit and try logging in again to see if it had any updates. 

Since then we have tried logging into the account, but the website is down due to the cyber attack. I also can not reach anyone on the phones, as the phone line is down. This problem has been ongoing for multiple days and after further research, in seems NOBODY with this loan servicer can access their account or speak to anyone to get any solid answers about ANYTHING. 

I need this company to get their website back up and running, get their phone lines back in order, and honor my husband 's request to add me as a user so I can manage our mortgage and make sure our escrow account is paid up to date and on time before the new year. I REFUSE to pay a higher mortgage payment come XXXX due to not being able to get this issue rectified with the mortgage servicer. If anything, my mortgage payment should be going DOWN since switching to cheaper insurance, not increasing by $ XXXX because of their mess up and inability to be communicated with.