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

I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ). This law requires that fraudulent information resulting from identity theft must be blocked and removed from credit reports upon proper notification. 
The accounts in question are as follows : 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 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 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: Credit card or prepaid card

This is regarding XXXX visa card by Citi Bank. Citi bank says they mailed us the card which we never received. We do not even know the full credit cards number. The only number show on the statement shows account number ending in:XXXX Statement dated XX/XX/XXXX to XX/XX/XXXX. Another statement dated XX/XX/XXXX to XX/XX/XXXX states account number ending in:XXXX. To our understanding these relates to the same account. We learned about this card when we got the first statement in XX/XX/XXXX.  Since then we have gone to XXXX, Citi Bank local branches and have called many times to Citi Bank. They have repeatedly told us that we are not responsible for any of the charges as it is fraud. We also have a letter dated XX/XX/XXXX from Citi stating that they have received our complaint and they are working on it. 
We did not hear from Citi and thought that they have resolved the issue and we are OK. However, recently we got a call from XXXX ( Extension XXXX ) saying that they are trying to collect due payment from us. We also got the letter from Citi that they have sold the account ( ending in XXXX ) to XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX ). We also got a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, River Edge, NJ XXXX, XXXX ) trying to collect debt from us of which we are not responsible! We also have informed XXXX XXXX ( XXXX, ext. XXXX ) that we are going to report this issue to Consumer Financial Protection Bureau. We have done all we can on our part. We have never used the Citi Bank Visa Card in dispute, we never received it. We have nothing to do with this account. This all happened when XXXX XXXX XXXX was converted to Citi Visa. We currently have XXXX XXXX XXXX ( account ending : XXXX ) which we use and pay. We have told this to XXXX XXXX  on day one when we files our complaint. Citi knows it ans we are in good standing.
Product: Debt collection

To

Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt c
ollector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a request to Equifax to place a security freeze on my minor daughter 's account. ( XXXX  and XXXX  completed my request and gave me a pin for the security freeze ). Equifax took my money cashed it for the request and never sent me a pin # or confirmed the security freeze was on my daughter 's account. 


I submitted my request on XX/XX/2018 but to no avail. I also filed a complaint id # XXXX with CFPB but Equifax fail to send the pin # for my daughter 's credit report freeze. 


See attach the request I sent to them and the check that they cash but they fail to conclude with the request. ( XXXX  and XXXX  has placed security freezes on my daughter account and send me a pin ) Exquifax has not.
Product: Mortgage

I was surprised to receive a " tax deliquent '' notice on XX/XX/XXXX from my township regarding my quarterly property tax payment due XXXX. My property tax is held in escrow and paid by Bank of America. 

I called my local property tax office only to learn that Bank of America had paid the tax late. 

Bank of America deducted the property tax amount from my escrow account at its usual time ( XX/XX/XXXX ). I suspect that this is a scheme by the bank to manipulate their cash flows. This is directly damaging to the financial health of the community that I live in, and causes unnecessary stress to me. It is also typical that BofA would not communicate any information about the situation to me, in order to leave me in that uncertain and stressful situation of wondering whether I needed to come up with another quarterly tax payment post haste. 

The last time that Bank of America played with the timing of my property tax a few years ago, it resulted in only three payments being made during one calendar year instead of four, and had an impact on the deduction I could take on my income tax and hence my refund.

Then, as now, I objected to the fact that an untrustworthy financial institution has claimed the ability to pay my property tax by virtue of holding the mortgage on my house. I wanted to be able to pay the property tax myself, without the Bank of America escrow account, but was told this was not possible. I would like to see regulation that liberates home owners from this risk. I would also like to see regulation that makes Bank of America and others more responsible for their behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

I refinanced my mortgage with  Home Point Financial  in  XXXX  of  XXXX . I was abundantly clear that there would be no escrow of insurance and taxes. In  XXXX  of  XXXX  I received a letter from the company stating that they needed proof of flood insurance. I have maintained flood insurance since the original purchase of my home in  XXXX . I promptly provided them with proof of flood insurance and had  Home Point nam ed on the declaratory page.   In  XXXX  of this year I began receiving anonymous letters from "  Insurance  Departmen t '' of Home Point Financial  stating that they would begin escrowing for my flood insurance. I immediately contacted customer service ( if you could call it service? ) to point out the error as I maintain my own insurance and am happy to provide proof of coverage. I was told that I would be grandfathered in and would be exempt from escrow. Several weeks later I received another letter stating that I would be subject to escrow and flood insurance would be force placed on my mortgage. Again I contacted their alleged customer service department and was assured that the mistake would be corrected.     Yesterday, I received a statement from  Home Point Financial  informing me that my payment had been increased by {$43.00} per month for escrow for flood insurance. I called the company and asked who the policy would be with and how much flood insurance coverage I would be supplied with. No one could answer my question as the " insurance department '' does not have a telephone.     I asked to speak to the president and was told that he does not have a telephone.
Product: Vehicle loan or lease

Court order dated XX/XX/22 Case # XXXX XXXX motion for authority to redeem personal property in the amount of {$21.00}, XXXX for auto loan account # XXXX, Capital one auto fiance has blocked my and the new lenders access to view the account on its official website and confirmation of payoff over the phone as per the court order. to cause me further harm as the court specifies performance within 30 day of the order. 

*Amended on XX/XX/22 order on motion for authority to redeem personal property auto loan account # XXXX in the amount of {$21.00}, XXXX.
Product: Credit card

Around noon yesterday, I logged into Barclay 's to make a payment. I entered the payment information, and it took me to confirmation page. I realized that I needed to move money into my checking account first, so I DID NOT CONFIRM THE TRANSACTION. I DID NOT PROCEED.

Later in the day, I returned to my computer and found the Barclay 's web page had timed me out. I logged back in, re-entered my information, and confirmed transaction.

I CONFIRMED A TOTAL OF ONE PAYMENTS. I DID NOT CONFIRM TWO PAYMENTS. WHY WOULD I MAKE TWO IDENTICAL PAYMENTS?

I called Barclays and asked that they waive any fees associated with second payment being returned by my checking account bank. I asked that they remove any derogatory information from my account related to the duplicate payment being returned by my bank. The Barclay 's agent said there was nothing she could do - despite the problem arising BECAUSE THEIR WEB SITE PROCEEDED WITH A TRANSACTION THAT WAS NOT COMPLETED.
Product: Credit reporting or other personal consumer reports

Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX XXXX, do my daily activities, left me with XXXX XXXX XXXX, and I am in the middle of a XXXX  claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a disabled. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.
Product: Credit card or prepaid card

I was a victim of debit/credit card fraud on XX/XX/XXXX and XXXX, 2020. In those 2 days someone ran up {$1800.00} on my account with US Bank reliacard. I contacted them and reported the unauthorized transactions on the XXXX of XXXX the day I realized it was going on. They were pos sales and they list as the followed businesses. XXXX, XXXX {$62.00}, {$470.00}, XXXX XXXX XXXX : {$200.00}, {$35.00}. XXXX  XXXX : {$13.00}. XXXX XXXX : {$210.00}. XXXX XXXXXXXX : {$100.00}. XXXX XXXX XXXX  : {$7.00}. XXXX : {$250.00} IXXXX XXXX  : {$43.00}. XXXXXXXX XXXX  : {$12.00}. XXXX : {$18.00}. XXXX : {$250.00}. XXXX : {$230.00}. My US bank reliacard unauthorized claims was denied and I was out {$1800.00} roughly and then told I'm a liar basically that I didn't get stolen from and it's very offensive honestly. Too top it off took them 10 Mos for me to get a response! I called repeatedly about my claim but was told " well move it too fast track for you sir '' Mos later still no answer.
Product: Debt collection

Payday loan is from XXXX, they have it reported as being opened in XXXX. Have made multiple attempts to contact them via certified mail but it is returned as undeliverable and they have since sold the debt to a 3rd party collector who is now adding on fees and interest to make a profit. Was advised by the BBB to contact the FTC to file a complaint as they have an open investigation due to the amount of consumer complains.
Product: Vehicle loan or lease

We have finally refinanced with another bank to rid ourselves of GM Financial. They have unethical billing practices, they will constantly lie and cash your check payment late marked late when it's 2 weeks early. They only cash checks once a month - that information came directly from the billing XXXX. Since this is the 4th attempt in under one year with this company lying to us, not cashing our payments on time, messing with our finical life, we are done. After another attempt to make a check payment this month- which was sent 2 weeks early - we had to put a stop on the check and pay by debit card with an added fee on XX/XX/24 when we called and asked why they didn't cash our check. They lied and said they never received it. Our check was dated XX/XX/24 and they said we submitted it XX/XX/24 - LIE! They are terrible liars and if this complaint can help anyone who currently has this issue, you have proof that they lie. I sent a photo attachment of this..
Product: Student loan

I'm a resident of XXXX paying my student loans through Nelnet. XXXX is XXXX on the other side of the International Date Line. XXXX our XX/XX/XXXX is XX/XX/XXXX for most of the day stateside. Nelnet advertises that they deduct their payments on the 1st of the month which is true stateside, however on XXXX that translates to the XXXX or XXXX 

I had sufficient funds in my account on XX/XX/XXXX, however since their debit attempt for {$470.00} occurred on the XXXX, the transfer was denied and I was hit with a {$25.00} NSF fee. 

Nelnet needs to make allowances for clients on the other side of IDL and adjust their practices accordingly. They also need to credit my account for {$25.00} since it was their mistake. 

Nelnet denies all responsibility and refuses to adjust their practices so that their debits occur on the XXXX of the month for every customer.
Product: Credit card or prepaid card

I disputed a transaction with airlines and it took 4 months for Bank of America to respond and finally the airline responded with false information and the bank denied my dispute, they just accepted the merchant word without any due diligence work or any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found the following inquiries on my credit report recently, none of which I have authorized. I have frozen all 3 credit bureau 's until this is resolved. I want all of these deleted as this is inaccurate reporting and negatively effecting my life and my ability to get a home for my family. 

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 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: Vehicle loan or lease

My complaint is with Toyota Financial Services ( TFS ) for  erroneously withdrawing {$510.00} on XX/XX/2019 from my XXXX XXXX  checking account. I used to have an auto loan with TFS, which was paid off last month on XX/XX/2019. During the term of the loan, the monthly payment of {$51000.00} was withdrawn by TFS from my said checking account, called autopay. After the loan was paid off, TFS sent me a letter of satisfaction of the loan ( attached ), stating among other things, that the online bill payment or autopay will be cancelled and a California DMV ownership title to the car will be sent to me. 

I have received the California DMV ownership title on XX/XX/2019 ( proof of full payment of the loan ) and TFS confirmed that the autopay would now end. 

However, as mentioned above, the autopay did not end and TFS continued withdrawing {$510.00} from my bank account. Because of this withdrawal, my checking account on XX/XX/2019 was overdrawn and caused a negative balance of {$230.00} ( attached ). As a result, I incurred the following several fees and charges by my various financial institutions : 1 ) an overdraft fee of {$33.00} by XXXX XXXX ( attached ) 2 ) non-sufficient funds fees of {$74.00} ( 2 x {$37.00} ) for two returned checks that were not paid because of the overdraft 3 ) a late fee of {$28.00} on a credit card account which was not paid on time because of the overdraft 4 ) interest charges for late payment on credit card accounts ( awaiting statements ) I called up TFS about this issue but they asked me to ask XXXX XXXX  to reverse the {$510.00} and the overdraft fee of {$33.00} and to collect from TFS. XXXX XXXX  refused to reverse the charges because they did not cause the error, it was caused by TFS and XXXX XXXX  said that they might have a problem collecting from TFS. 

Address of TFS and my account number with them are in the attached documents. 

Thank you for your attention and cooperation.
Product: Debt collection

In XX/XX/XXXX I had a negative XXXX account balance of {$2700.00} due to someone hackung my account. Since then they have been calling me to pay the debt about eight times a year. I'm unaware of when XXXX sold the debt, but on XX/XX/XXXX I was sent a letter by Jefferson Capital Systems stating that I owed a debt {$2700.00} to them when I was never in a contract with them. Also within the letter there was use of obscene and profane langauge in the letter that they did not have the power to " sue '' me. The use of this language left me emotioonally distraught and I know that underneath Fair Debt Collecton Practices Act 15 USC 1692d ( 2 ) protects me from this. On XX/XX/XXXX I sent a debt dispute letter with request for a proof of claim, a counter claim with self executing contract, and an affidavit of truth.
Product: Credit card or prepaid card

My card and bank account was closed on XX/XX/XXXX. With no information provided. I called and was transfered to another department. This department stated their was adverse legal action against myself or someone on my account. I asked to be provided with a cra to which they claimed their was no cra and that " an investigation team affiliate '' provided the information. Upon further calling it was revealed the legal action was a XXXX XXXX  from XX/XX/XXXX. Since that XXXX I've nearly completed 2 degrees, i have earned a XXXX XXXX XXXX started a XXXX  and have been provided credit 3 times by capital one. I never signed a background check authorization for any account by capital one. And they claimed they obtained the information the day after my account was closed. Then reported it as closed on XX/XX/XXXX. This all comes while the bare shutting down 73 locations a year after they lose a red lining suit 6.1 million XXXX most of which are XXXX. I was not provided my rights in the adverse action notice a fcra requires i was not provided name address and phone number of the cra.after they settled in court for denying these exact rights to another class and are currently suing XXXX XXXX for providing outdated information retrieved through another company. These practices are unethical illegitimate and downright discriminatory against a population that has no protections in place. And to add icing to it they removed me from my veteran fianes cards as an extra kick in my face.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and causing me emotional distress. 

On XX/XX/2023, I submitted a request to XXXX XXXX XXXX XXXX XXXX, requesting validation of a debt they are reporting on my credit report. I specifically requested verification of the original debt amount, current balance, a breakdown of fees and interest charges, proof of their authorization to collect the debt, and proof of their licensing in my state, as per the rights granted to me under the FCRA. 

In response to my request, XXXX XXXX XXXX XXXX XXXX provided some information about the account history but failed to provide the requested documentation and verification of the debt as outlined in my original request. They did not provide proof of their authorization to collect the debt or proof of licensing in my state. This lack of compliance with my request violates the FCRA, which mandates that consumers have the right to obtain accurate information about their debts and the entities collecting them. 

Furthermore, XXXX XXXX XXXX XXXX XXXX 's failure to comply with my request has caused me significant emotional distress. The uncertainty and frustration resulting from their refusal to provide the requested documentation have impacted my mental well-being and caused undue stress. 

I am requesting that the Consumer Financial Protection Bureau intervene immediately and XXXX XXXX XXXX XXXX XXXX XXXX to remove the debt from my credit report until they can provide the requested validation in accordance with the FCRA. Additionally, I request that the Consumer Financial Protection Bureau take appropriate action to ensure XXXX XXXX XXXX XXXX XXXX complies with all relevant laws and regulations to prevent similar instances of non-compliance in the future. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.