23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I accidentally submitted a payment of XXXX ( full balance, not the statement balance ) to be paid from a checking account. The payment was posted that business day, however the balance in the checking account was not at XXXX. This payment was kicked back. The following business day ( a Monday ), the checking account balance was above that amount, the payment was retried, and completed successfully. 

I was charged a {$25.00} for the return and retrial of the payment. I do n't believe it cost the company {$25.00} to perform this service. It seems to be a purely punitive measure by the Credit Card company.
Product: Credit reporting

when I try to get my credit report I 'm asked security questions like what bank do I have my car loan through and what bank is my mortgage through when I answer none above it says I have answered questions incorrectly when I do n't understand why when I do n't have a car loan nor do I have a mortgage and I have never lived in the states these loans are. So it want allow me to see my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Mortgage

I have been consistently been dealing with Ocwen Mortgage Company with the very problems you cited them on in the lawsuit. ( 1 ) Claim that I signed a 5 year agreement to be off of my fixed mortgage rate to 5.6 % or higher so the letter says. I did not sign anything. Why would I want to change from my 4.2 % fixed rate of 13 years. ( 2 ) After much investigation, they were charging me for phone payments I never made. ( 3 ) The phone charge was taken out of my mortgage payments which it does not say on their phone payment service. ( 4 ) This resulted in not fulfilling my mortgage payment plan because they said the full payment was not made. They charged me with additional fees. With the help of XXXX consultant all of my information was verified because they handle my mortgage payments. It was also found that they were trying to get money out of an account that was not mine. They refused to change to correct the information in their system until the bank let them know they too would file charges of fraud. Because of this, they made me send my payments via XXXX. but, it was signed for as recieved but put on my account as late because it took XXXX days to work thru their system with the incorrect information. This company is terrible. How are they still allowed to get away with the things they have been cicted on. Something on a federal level needs to done. I should not have to fight this battle alone. The only person that agreed to help me straighten out this mess was XXXX XXXXXXXXXXXX. She has alot of my his tory and results of this mess, but her company is at it again with another act of fraud. I did not sign a 5 yr. plan. I need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however Transunion has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that Transunion can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,
Product: Checking or savings account

I began to notice issues with deposits and withdrawals on Thursday. I have funds that were supposed to be deposited Thursday and I checked my account and seen there was technical issues. I did not get email until later in the day. I was assured that the issue would be resolved by Friday Morning. I have bills that will auto draft from my account, and they are being denied because the funds have not been placed in my account. 
I would like a full investigation into what is happening with my funds. I want and need access to monies that should be in my account. I would like any fees refunded and paid in full by Capital One. With the state of the weather upcoming, Funds need to be available for necessities. I would like CFPB to provide any and all information found in this investigation.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2021 These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card or prepaid card

I am a senior and XXXX XXXX XXXX at Texas XXXX XXXX XXXX University and I received a solicitation in the mail with a specific invitation number for me to apply for a Discover STUDENT credit card. Discover promoted the card to me as an entry level credit card designed for students. Regarding student credit cards, Discover 's website states ; " Students, build your credit history here. '' However, when I applied for this card, I was told on the phone that my roughly XXXX XXXX dollar income was not sufficient and I was promptly denied. This denial may have a negative impact on my credit score and if I had not been specifically solicited to apply, I would not have done so.
Product: Student loan

As of XX/XX/XXXX, I have made 36 student Liam payments, ranging from {$250.00} to {$290.00}, to XXXX XXXX since XX/XX/XXXX under the Publuc Service Loam Forgiveness program. XXXX reported that I only had 19 qualifying payments. However, I was never told the I repayment plan I had no longer qualified for the loan forgiveness program. Each time I applied for a repayment plan I called them and asked for help to assure this would not happen.
Product: Vehicle loan or lease

My leased car was involved in a total loss accident. My automobile insurance advised me to longer make payments on the car and that they would submit a total loss action with Ally financial and that would be done in a timely matter. I stopped making payments and also received a misleading letter from Ally Financial dated XX/XX/22 where at the bottom of the letter states, " Due to the total loss claim, your account is placed in special handling. If you receive billing statements by mail or electronically, then they will be suspended temporarily. '' I understood this sentence as my payments would be suspended. I therefore, did not make a payment and Ally reported the late payment to all 4 credit bureaus. I called Ally on XX/XX/22 and explained the above and disputed the negative credit entry. On XX/XX/22 I received a letter from Ally with the decision that they would not delete the late payment off the 4 credit agencies. Before this, I had a high score of over XXXX points and now my score dropped about XXXX points. The negative entry is affecting my future purchase of a vehicle.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all XXXX  Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$2000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date XXXX XX/XX/XXXX Balance {$1600.00} XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally file a complaint regarding inaccurate and fraudulent accounts that have been reported on my credit report without my knowledge or consent. These accounts have had a significant negative impact on my credit score and overall financial well-being.

Upon discovering these inaccuracies, I promptly reached out to the relevant credit reporting agencies to dispute the fraudulent accounts.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information in my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must investigate disputed information and correct or delete any inaccuracies within 30 days. Despite this, my disputes have not been resolved, and the fraudulent accounts persist on my credit report.

Moreover, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using deceptive, unfair, or abusive practices to collect debts. The existence of these fraudulent accounts on my credit report indicates a violation of these consumer protection laws.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

these accounts are FRAUD ... ...XXXX XXXX XXXX LJ Ross Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing this letter concerning National Credit Adjusters , L.L.C. Account number XXXX, address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
This matter is up for litigation due to a data breach. I wrote the company XXXX National Credit Adjusters L.L.C ) for debt verification of this debt being owned by XXXX XXXX XXXX. 
I am requesting that this collection be removed off of my account immediately.
Product: Mortgage

Company denied access to payment portals and abuse late payment policy to file for foreclosure, I asked they denied taking payment while speaking on the phone with supervisor in charge of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation don't even have an account with them or XXXX
Product: Credit card or prepaid card

I applied for the TD Bank XXXX Visa card, which awards XXXX XXXX miles after spending {$1000.00} in the first 90 days. I met this requirement. However, the miles did not post. 

I called in inquiring about this, and the customer service representative said that she could see them on her end, but they were not displaying on my end due to a computer issue, and the update would be fixed by the next morning. They were not. 

The next time I called, I was told they were not open on the weekend. 

The next time I called, I was put on hold, then transferred to a survey after which my call uatomatically ended. 

The next time I called, after waiting on hold for 20 minutes, I was transferred to the reservations department to make a reservation, despite that not being my issue. 

I am getting sick and tired of being on hold, and desperately need these miles to make a reservation.
Product: Mortgage

I applied for the Keep Your Home California program which would have assisted me with receiving benefit assistance up to XXXX to be applied to my principal balance. SPS has refused to allow me to participate in this program that could potentially save my home. It appears to me that I may be retailiated against due to reporting them to various other government agencies after numerous HAMP home modification loan denials.
Product: Debt collection

XX/XX/XXXX  I have been working with Resurgent Capital Services (  XXXX   )  for months to obtain detail on a debt improperly sold to them by  XXXX   XXXX . Despite  XXXX  's refusal to discuss details of an account sold to an external collector, I was able to escalate the matter to several supervisors and a Department  XXXX  in  XXXX  's  XXXX  Department. I was able to ascertain the debt was assessed due to an improper billing of usage fees and an early termination fee  (  ETF ). Both were waived and the account was settled at or around  XXXX  of  XXXX .  XXXX  did not update their system and sold the account to a debt collector without proper notification. I had to research this on my own because, despite promises to do so,  XXXX  has not.     Resurgent claims to have initiated an investigation into the matter upon my request, but cited little more than having a  XXXX  billing statement as definitive proof that I owed the debt. This is categorically false : it is proof of  XXXX  's claim, not proof of the debt. Resurgent refuses to discuss the details of their " investigation '' beyond that. I asked for the  XXXX  customer service call logs and service records to be reviewed and discussed. I maintain that verbal discussions and agreements were reached with  XXXX , prior to the sale of the debt, that resulted in a zero balance owed. I have verified that the details of these agreements are retained by  XXXX . I also requested  Resurgent o btain copies of such detail along with records of service interruptions, dropped calls, and complaints from other customers to substantiate my claim that I was billed for services not provided and violations of the  XXXX   XXXX   XXXX  agreement with  XXXX . This information exists and is available to  Resurgent.      Due to the lack of ethical pursuit of debt validation, and the verbal agreements reached with  XXXX   XXXX , I am looking to immediately remove the falsely reported collection from my credit report as Resurgent does not possess the necessary evidence to support their debt claim under the Fair Credit Reporting Act and has not complied with the requests for information substantiating their false claim of debt. I have initiated reviews with all three credit reporting agencies as well.
Product: Credit reporting or other personal consumer reports

CFBP has I recently found a lawsuit against Experian, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate correction action to remove or amend the dispute accounts. As Experian inaction violates federal law and my rights as a consumer.I recently obtained a copy of my credit report and noticed that Experian was reporting inaccurate information in the personal information section. I have disputed the wrong addresses, phone numbers and employment multiple times for the past 2 years and the problem is not being fixed. To diminish speculation my information is as follows Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
My address should read : XXXX XXXX XXXX, XXXX XXXX Employer : unemployed Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate.
Product: Checking or savings account

Capital One changed the joint checking account of my son I spent 1.5 hours on the phone and was disconnected. 

I opened my first account with Capital One in XXXX. 

I opened a join XXXX Checking account for my child in XX/XX/XXXX. 

On XX/XX/XXXX, Capital One allowed a withdrawal of {$410.00} from my child 's account. Draining their checking account. We did not authorize this withdrawal. 

When I called Capital One on XX/XX/XXXX, I was transferred to three different representatives before being hung up on after 1.5 hours. 

During this time, we learned that Capital One changed my child joint account to someone we don't know in XX/XX/XXXX. I did not authorize this change. 

I need the funds returned immediately and the joint account errors corrected. My child 's account number needs to be changed. I would like {$500.00} for my time and distress.
Product: Debt collection

This company has sent me numerous collection notices for a XXXX dollar bill supposedly owed to XXXX  for unreturned equipment. However, equipment WAS returned over a year ago. This is a common rouse of XXXX  trying to squeeze money of of former customers. I have also filed a complaint with XXXX
Product: Debt collection

I have settled a debt with Transworld Systems for the military star card and paid the balance on XX/XX/2021 but they are still reporting the debt to credit bureaus as of XX/XX/2021.