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

In XXXX I started a process to pay off my Citicard, in full. The balance due was over {$30000.00}. I contacted the company to see if I could get a pay-off amount and possibly have the payment lowered. I did email chats with representatives of the company and will try to forward those chats in chick they kept telling me what the balance was, but then the next month I would receive another bill. I contacted my attorney and he sent a letter requesting the account be paid in full since they did not reduce the balance owed. He then received a letter from them, I believe in XXXX, that needed to be notorized for them to release information to him and we did that within a timely manner. Since then, I have received no response and they have continued to bill me for late charges. I had applied for a XXXX credit card as I was told the balance had to be paid in full every month as I did not want to get " in the hole '' again like I did with Citi Bank. I was immediately denied for late payments due to Citicard even though it is in dispute. I have not heard anything from them and the amount continues to grow.
Product: Mortgage

My name is XXXX XXXX I have a loan with Freedom Mortgage I have been making overpayments on my mortgage and they consistently have been applying the payments to future interest instead of principle. 
I have contact them several times over the phone, but they do not seem to be changing their process or it keeps reverting back to future interest. 

I feel that I am being defrauded and I suspect they are doing this to many other people. 

I copied my statement. Please note the " Interest Paid to Date '' is far into the future. 

Its conveniently buried in the statement.
Product: Debt collection

My social security number and maiden name were used by someone to open an account at Capitol One and charge {$1400.00}. I never opened an account with Capitol One or lived at the mailing address listed. ( I am a legitimate secondary user of my husband 's account with that company which I was added to after we married ). 
At some point, after non-payment, Capitol One sued the person using my name in a county court in Missouri and now there is a judgement attached to my social security number. 

I am attaching the court judgement documentation and also a copy of the legitimate account my husband and I share showing that we are in good standing with Capitol One. Any other account with my social security number is fraudulent.
Product: Checking or savings account

This is about the cash app debocal. I would like more information as I assume I am apart of it. 
Thank you
Product: Debt collection

Got a call from Capital Accounts LLC. They we 're really rude during the call and said that I needed to take care of a business matter in order to avoid legal actions that will be taken against me by the end of business. They said it was for a {$160.00}. I 'm a XXXX year old with lots of health problems that do n't need this kind of stress or threats.
Product: Debt collection

On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.
Product: Vehicle loan or lease

This is a complaint about Honda Financial Services, who is the lender for my car loan. In XXXX XXXX XXXX, they updated their website which required everyone to make new accounts to be able to log in and pay bills. I had submitted my payment right before this transition, and apparently the payment did not go through. They did not, however, make any attempt to contact me or email me notifying me that my payment had not gone through. I was then unable to log in and check the status afterwards. They then reported my payment 30 days late which negatively affected my credit score. I tried to contact them and explain my situation, noting that I had never been late before even during COVID, and they refused to work with me and remove the derogatory mark on my credit report. I then requested to be contacted by a supervisor to talk more about my account, and she claimed that they had tried to contact me and when asked to confirm information she had incorrect contact information on file. I am disappointed with Honda 's lack of effort and willingness to work with their customers. I would not recommend financing a car through this company.
Product: Credit card or prepaid card

Fraud charges on XXXX XXXX XXXX Called citibank and supposedly they were investigating Phoned back by supposeed security department they obtained my security word Then new card number was stolen and more charges put on my account. 
Contacted by someone name XXXX who told me he was deputy cheif of security and promised to resolve everything. Obtained my security word again. 
Then when new card number was issued someone in Florida called in and asked for my new card to be overnighted to florida. Citibank would not provide me with that address so I could report it to florida police. 
Citibank 's processes obviously allow the criminals access to steal cards and card numbers easily. 
I have finally completely closed my account and froze my social number on all 3 credi bureaus. 

I am going to subtract the fraudulent charges and pay off my account. 

I want to have all fraudulent charges and interest removed from my account
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to conduct a reasonable investigation into the inaccurate items on my credit report and for not providing a response to my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into the inaccurate items present on my credit report. Additionally, I contested incorrect personal information listed on my credit report. However, despite my efforts, I did not receive a response from Equifax regarding the results of the investigation. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 

Enclosed with this letter, please find a copy of my dispute letter sent to Equifax as proof of my efforts to rectify the inaccuracies on my credit report. Despite providing all necessary information, Equifax has neglected to fulfill its legal obligation to conduct a thorough investigation and provide a response to my dispute.
Product: Checking or savings account

On XX/XX/XXXX B of A assessed a {$12.00} fee on my checking account as maintenance fee. This fee should NOT have been charged because I have complied with the ACH deposit of {$250.00} both in XXXX and XXXX. I have called the bank on XX/XX/XXXX to see why I was the charged the fee. Both the rep and Supervisor I have sopken with agreed that the fee should NOT have been assessed, admitted it was a bank error. However they could not refund it because my request was passed 90 days. This is not acceptable. B of A should not get away with my {$12.00} adding to their over XXXX Billions in fees they collected as of XX/XX/XXXX. 

I am kindly asking for your help in recuperating the fee. 

Many thanks.
Product: Credit card

Someone got my virtual card number on my Apple card. They tried to use the card but apples fraud protection stopped it, which is great. I spoke to Apple Goldman. And they gave me a new virtual card number. 

But, who ever had my old card number continues to try and use it. I haven't lost any money. But I keep getting all of the notifications from my old card number. Its been happening for a week straight now. I have spoken at least 15 different reps from Apple and Goldman Sachs nobody can or will do anything. I no longer no if the notifications from Apple card are real or accurate. This is causing me a lot of stress and duress and effecting my mental health. Im starting to believe this may be a legal matter since Apple is continuing to send my fals fraud notifications from a card number that is no longer mine.
Product: Credit card or prepaid card

I never received ONE bill for the Walmart credit card so how can I pay it if I dont have the information?
Product: Debt collection

Dear Sir Madam, Subject : Removal of name for debt collection by BCA FINANCIAL SRVCS INCI recently discovered through my credit report that there are XXXX debt collections report by BCA FINANCIAL SRVCS INC as follows : Account # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXXOriginal XX/XX/XXXX, XX/XX/XXXXOpened DateJan XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXX Creditor $ XXXX XXXX, XXXX XX/XX/XXXX ReportedI have called up BCA and they denied the report since they said that that nothing was on my name for collections and they never reported this to Finacial Bureau XXXX 

I have no outstanding balance or debts as reported through consumer 's credit agency with my name or social security number and hereby request my name be taken off your debt collection list to rectify and restore my credit report. 

Your kind and immediate action on this earnest request will be highly appreciated. 

Thank You, XXXX XXXX XXXX XXXX add : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/2024 stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States XXXX XXXX indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent, through certified mail, a letter to XXXX, Equifax, and XXXX credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - Equifax XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to XXXX requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, XXXX is reporting the date of last activity for this account to be XX/XX/XXXX. However, XXXX reports this date as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all XXXX  credit reporting bureaus ' records. 

XXXX XXXX XXXX - XXXX
Product: Checking or savings account

I received an XXXX XXXX  and XXXX XXXX XXXX for my business in XXXX XXXX, and spent the money, now ( XXXX XXXX, XXXX ) Capital One has placed a hold and demanded verification which I provided, yet they continue to hold indefinitely while they " review '' my account. They are not federal law enforcement last I checked and I can not run my life while they seized my money unlawfully. Calls have gotten me nowhere.
Product: Debt collection

XXXX XXXX had split up. All communications from XXXX XXXX ceased. I was not told that XXXX is the new loan holder. I did not received any communications from XXXX regarding the split or that they are in charge of my student loan. 

In XXXX XXXX & XXXX took me to court on behalf of XXXX. I did not know who XXXX was, and still have not heard from XXXX except for the yearly student 1098-E Tax form. I've contacted XXXX to ask them why they are sending me the form when I have never made any payments to them. During the court hearing I was informed that XXXX is XXXX XXXX. 

I was ordered to make payments to Harris & Zide. I asked the attorney representing Hariris & Zide what my monthly payment is,. and he responded " whatever payment you can make. I leave it up to you. '' I've been paying either {$100.00} or XXXX a month. 

Harris & Zide returned my payment for the month of XXXX, XXXX. The letter dated XX/XX/XXXX, stated that " the check is being returned due to ACCOUNT CLOSED WITH OUR OFFICE. '' The letter was from XXXX XXXX, XXXX XXXX. I immediately called and left a message. No one from Harris & Zide returned my call. On XX/XX/XXXX, I sent a letter to Harris & Zide for clarification on what " Account Closed '' mean. Do I still owe the money, should I still be sending a payment, the status of the judgment against me. 

On XX/XX/XXXX, I called Harris & Zide again. I was told by the staff member that my account is closed, and that I have to contact XXXX XXXX regarding my payment. I Responded that it was Harris & Zide that took me to court. All payments were made to Harris & Zide since XXXX. 

Prior to the law suit no one at XXXX XXXX has any record of me. No one from Customer Service could help me because they could not find me. Had XXXX XXXX contact me to let me know that my account is no longer with them and that XXXX is handling my student loan I would not have a judgment on my record. 

No one has reached out to me regarding making payments. In XXXX XXXX have no record of my account, XXXX did not respond to any of the letters I wrote asking for documents showing that I have a loan with them. 

I can not contact an agency that I have no dealings with in over 7 years.
Product: Debt collection

After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. 

I have several accounts reporting on my credit report, that are a result of identity theft. I request more proof of how such accounts i've never opened, authorized, obtained or used are now resulting in a negative credit report, hence hindering my financial progress as well as applying & financing abilities. It is only fair to abide by the fair credit reporting act and thoroughly do an investigation on all accounts that are a result of identity theft. 

I have mailed dispute letters followed by an FTC report to your company In early XXXX of 2024, of all unauthorized accounts that are a result of identity theft. Bureaus are failing to properly report and investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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, credit repair services, or other personal consumer reports

I'm writing this complaint and there is no third party involved. 

Default and Opportunity to cure Attached To whom may concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail ( receipt enclosed ) requesting that you remove information from my file and you have failed to do so. 

Accordingly, I can show a judge that these account are reporting illegally by your company and that you violated the Fair Credit Reporting Act by ignoring my requests to Delete the items. My previous letters ( all sent by certified mail ) stated my reasons and these reasons were not frivolous in any way. ( all Documents attached ) If this final request does not prompt you to conduct a proper procedure to delete this accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Debt collection

A debt collection company named  Northland Group Inc.  continuously sending me letters during the past  2-3  years asking me to make a payment of {$660.00} they claimed that I owe  XXXX . I have never applied a credit card, or never did I purchase anything that did n't pay at first place in  XXXX , so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. Thank you!
Product: Debt collection

Dear Sir/Madam, I am filing a complaint regarding creditors who have exposed my personal information without my consent and are attempting to collect debts that are not accurate. Despite my attempts to dispute these claims, the creditors continue their collection efforts.

I request that the CFPB investigate the following : 1. The correction of inaccurate debt information reported to credit bureaus.

2. The protection of my personal information from further unauthorized exposure.

3. A cease in collections for debts that are not mine, with proof of such debts provided by the creditors.

I have attached relevant documentation to support my claims. Please let me know if additional information is needed.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ATG Credit ( XXXX XXXX XXXX ) has been in dispute since XX/XX/XXXX. ATG Credit has been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. When I first disputed this account I noticed the dates of last activity was different for each bureau they stated XX/XX/XXXX for XXXX and XXXX XX/XX/XXXX and XXXX  shows a date of XX/XX/XXXX I sent a written response and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. 

Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last activity on the account this time XXXX reports XXXX XXXX XX/XX/XXXX and XXXX  is XX/XX/XXXX. As well they are still missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 my 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 XXXX XXXX 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.

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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

Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing.