23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I tried to pay my monthly auto payment through my bank. Payment was scheduled for XXXX/XXXX/2015. On XXXX/XXXX/2015 I called AC Autopay inquiring about the payment and was informed that no payment had been received. I called my bank and was told electronic payments are not accepted by AC Autopay, so they sent them a paper check via US MAIL. I stopped payment on the check since no one could verify it 's whereabouts. I then called AC Autopay again on the XXXX. Explained to them that I stopped payment on the missing check so as to please not submit it for payment. I was assured a note would be placed on my account stating the same. My bank told me to wait 24 hours before re-attempting payment as to avoid double payment. I explained to the AC Autopay customer representative the same and since my note was n't due until the XXXX that I still had time. I called AC Autopay back on XXXX/XXXX/2015. Still no record of any check so I proceeded to pay with my XXXX XXXX right then and there. I received my XXXX statement with fees for a returned check. They found and submitted the check to the bank for payment on XXXX/XXXX/2015 and it was tomorrow ejected. Why submit the check if already aware check was cancelled and account was current. And the dates on the statement entries are questionable.
Product: Checking or savings account

Good Morning, I opened a savings account with Flagstar Bank on XX/XX/XXXX because they advertised a 5.55 % APR on their website. They guaranteed the rate for the first 5 months of the account being opened. In the past couple months the rate has being lowered more and more. As of XX/XX/year>2024 when I log on to my account it shows me an APR of 5.220 %. I called them a few times during the months of XXXX and XXXX to request my statement in order to verify the APR to no avail. I can only view my statements for the month of XXXX and XXXX. They have not update the month of XXXX and it XX/XX/year>2024.
Product: Debt collection

I have recieived many ( about XXXX in the last two months..sometimes from a listed phone number, sometimes from a non listed number ) threatning phone calls from " Concord Resolution Debt collection Agency '' In Attempt to collect a debt I do not owe. I have been treatened that I will be arrested, I will have my wages garnished, and I could loose my job. I have called this company several times at the number listed below and spoke with XXXX. I told her to stop calling me and to take me off the call list. 
The phone numbers is XXXX XXXX XXXX my " reference number '' is XXXX Please help me!!
Product: Checking or savings account

I kept getting overdraft charges which doesnt make sense and eventually I let the account go because I wasnt gon na pay overdraft if my money was there and they stole it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting

I have been trying to get my equifax credit report for some time now. everytime I try to get it I get told to call in to verfiy my identity. This happened tonight and I called into verify my identity and the woman on the phone was extremely rude and HUNG UP ON ME and would not give me my report or scores. I URGE equifax to listen to this taped call as she was rude as can be and did not transfer me as requested. She would not help me and claimed she could n't get my report nor find someone to help me. Now a few years ago EQUIFAX MIXED UP MY IDENTITY AND CREDIT REPORT with a woman in XXXX. I am in XXXX. I had to escalate to their executive team to get help and I fear this needs to occur again as I think they mixed up my identity again. Before I file a police report and law suit I need equifax to give me the report on file for me. I called, email, and try the website and no one will help me. Please FIX THIS.
Product: Student loan

I borrowed money through XXXX to help our XXXX children attend college. The XXXX Loans were in addition to the small loans our children took out. Initially these loans were serviced through XXXX which later became Navient. My guarantor was XXXX. On XX/XX/XXXX my total disbursement was {$55000.00}. Due to other financial responsibilities I applied for and of course was given multiple forbearances. I was unable to make consistent payments on my consolidated loan until XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was charged a total of {$15000.00} capitalized interest and a total of {$880.00} in late fees. 
On XX/XX/XXXX I contacted Navient and they provided a copy of my payment history. My outstanding principle at that time was {$62000.00}. At that time I attempted to speak to a Navient representative but they appeared to not have a financial back ground and they were unable to answer my questions. I was told that there were no supervisors or loan specialists that I could speak with. From the information they provided to me I was not able to " decipher '' exactly how the payment history is recorded with the way they added capitalized interest to the principle column but then subtracted it in the interest column. At no point do they give you a " running '' balance due. Frustrated with the never declining balance despite payments of {$17000.00} from XX/XX/XXXX to XX/XX/XXXX I contacted the Federal Student Loan Ombudsman Program in XX/XX/XXXX for assistance with understanding this loan process. They were helpful and did initiate a case number. Their answer to me was that my loan would be paid off when I die or in the tragic event XXXX of my children dies. Since I initially contacted the Ombudsman 's I have PAID Navient an additional {$3400.00} ( 9 months ). They say my unpaid principal balance as of XX/XX/XXXX was {$60000.00}. If my calculations are half way correct I paid XXXX off my principle. XXXX % of my payments have gone to interest ( {$5.00} a day ). My payments are {$380.00} a month ( {$4600.00} a year ), my interest rate is 4 %. Interestingly for the past several years my Form XXXX always states I have paid {$4600.00} in interest. If that is the case it is costing me {$12.00} a day in interest. ( It appears they are falsifying their XXXX forms, probably in an effort to keep participants from complaining, even though if you itemize your taxes you can not claim more than {$2500.00} in interest. In XX/XX/XXXX Navient reported that my loan will be paid in full on XX/XX/XXXX and I will have paid {$90000.00}, at the total cost of {$35000.00} for borrowing {$55000.00}. I will also be XXXX. 
The only '' good '' ( I am being facetious ) part of this story is that XXXX my children graduated from XXXX college programs, XXXX makes slightly above minimum wage and is happy as a XXXX. Now retired and receiving Social Security I wake up every day knowing I am accruing {$5.00} a day interest on a loan I will never payoff despite trying. This gives new meaning to the phrase " till death do you part. ''
Product: Debt collection

I received a notice in the mail offering to settle on a debt and that failure to do so would result in account being sent to a 3rd party collection agency ( the letter came from a 3rd party collection agency ). I called to ask what this was about and was told it was for a debt that happened in XXXX. I told her this was paid in full a long time ago ( in XXXX ) and asked her why I was just being notified about this. She asked if I had a receipt I told her no its been XXXX  years since I paid this, she told me without proof this was a valid debt so I must have paid some thing else. I told her I disputed this as has been paid and I would not be paying it and she told me thats fine her client told her to move forward with a judgement. So even if this had not been paid ( which it has ) this debt is XXXX  years old why are they threatening to file a lawsuit on me? Also I know it was paid as I had to pay it in order to get it removed from XXXX XXXXnd I was unable to get a bank account until it was paid. It was also taken off my credit report when I paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

Good afternoon, below I attach information from inquires and collections not recognized or authorized by me, the information that exists in my credit report is incorrect and I immediately need it to be removed from my credit report in XXXX, XXXX, EXPERIAN. I appreciate your timely collaboration and I remain attentive to your effective and prompt response XXXX INQUIRES DONT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES DONT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN INQUIRES DONT RECOGNIZE XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint on the dates of XXXX2024, and XXXX2024. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Product: Credit card or prepaid card

I made a credit card payment on XX/XX/XXXX. The payment is due on the XXXX, and I made a payment for the full balance on XXXX XXXX. Then the Capital One credit card charged me a late fee, even though the payment showed posted to the account on the XXXX. I called them and they said it was a processing error. XXXX, at Capital One, said it was already correct, but it was not. Capital one charged me an invalid late fee and lied about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Capital One XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, Subject : Dispute of Inaccurate Credit Report Information Underage Account I am writing to formally dispute inaccurate information on my credit report concerning an account with Capital One, Account Number : XXXX. This account was opened in my name while I was underage, and no cosigner was involved in the application process. Therefore, the account was established illegally and contains inaccurate information that needs to be corrected immediately. 

According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as Capital Ones own policy, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CFPB mandates that if an individual under the age of XXXX applies for a credit card, they must either prove they can independently make payments on the account or have a co-signer who is over XXXX XXXX XXXX. It is also noted that not all card issuers allow co-signers. Here is a direct reference to the policy for your convenience : Application requirements might differ a little among credit card issuers. But heres an idea of the kind of things your lender considers when youre applying for a credit card : Age You have to be at least XXXX to open your own credit card with Capital One. But according to the Consumer Financial Protection Bureau ( CFPB ), if youre under XXXX, youll have to prove that you can independently make payments on the account or have a co-signer who is over XXXX. And not all card issuers allow co-signers. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both Capital Ones policy and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

I request that Capital One investigate this matter promptly, remove the account from my credit report, and correct the associated inaccuracies. Please provide written confirmation of the removal once the investigation is complete. 

Enclosed, you will find copies of relevant documents, including my identification and any additional evidence supporting my claim. Please let me know if you require further information or documentation to proceed with this dispute. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

i sent a notice of dispute dated XX/XX/24 to XXXX XXXX they received the dispute on XX/XX/24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to paypal credit/synchrony bank XXXX XXXX XXXX without my consent and paypal credit /synchrony bank did not follow reasonable procedures and failed to investigate the dispute its been more then XXXX  days already
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

I asked this company for a investigation in that matter someone order this card of the internet and used it using my identity. I asked for a sign contract so I can compare my signature on my license to prove It wasn't me that acquired this account. I have sent certified legal documents requesting this information have yet to here anything back.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Remove inaccurate negative information from my credit file within XXXX hrs.
Product: Mortgage

My name is XXXX XXXX. I own XXXX XXXX XXXX company. I also own my home with SPS ( Select portfolio servicing ) Loan # XXXX In XXXX my company received forbearance from my banks regarding my mortgages on its commercial properties. I in turn gave my tenants six months of rent free months in order to ease the burden on their businesses.

The only business that refused my Forbearance request was SPS or Select Portfolio servicing. 

I began the RMA ( Request for Mortgage assistance ) in XXXX. They still have not reviewed. 

I have furnished them with - Mortgage statements - Mortgage verification letters - Bank Statements - Bank statements showing no deposits - Bank statements showing renters deposits - Leases on all the rental properties I own. 

I told SPS that I could not make a payment for 6 months and after those 6 months I would start making payments again as soon as I received income again. After 6 months I continued making payments again for the last 3 months. 

Despite this SPS send me no less then 2-3 letters every month threatening foreclosure, saying my account is in default and that they need more info. Every month I call speak with them on the phone and they explain what they need I prepare it and send it in. Then they say it's not enough. 

This is starting to seem like a predatory scheme where threatening and scaring me are the main job of the business as opposed to creating a healthy business environment. 

I have attached all the documentation asked for by SPS - Leases and renewals of tenants in XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 
- Most recent bank statements where rent was received ( highlighted and noted ) - A letter signed by myself of lack of income verification - XXXX, XXXX and XXXX tax returns - Mortgage verification for XXXX Arizona # XXXX # XXXX & XXXX XXXX. st - Mortgage statements for XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 



Thank you.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of the FCRA. They did not give me a five day notice when re-adding an unverified account to my credit report this account was removed.