23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was contacted by an individual at approx. XXXX on XX/XX/2023 stating he was the XXXX Department XXXX TD Bank advising me of a fraudulent charge on my debit card. He provided the last XXXX digits of my card. He stated it was a charge from a XXXX in Texas for approx. {$250.00} and done through an XXXX XXXX of another device. This gentleman had me on the phone intermittently for approx. XXXX, referencing my name, address, date of birth, email, phone number, XXXX ID, and I received several text messages from TD Bank to verify my identity while on the phone with the individual. I then noticed a secondary device logged into my XXXX ID and phone. Another individual came on the phone as a agent verifying my credit card information they already had and accessing my XXXX XXXX to create an XXXX XXXX. The card was created without my permission. I hung up with the individual around XXXX. I then received a fraud alert text message from TD Bank for a {$2000.00} XXXX charge. At which time I called TD Bank customer service who advised me there were no fraudulent charges on my debit card but there were XXXX ( XXXX ) new debit cards printed in my name for my other accounts and a significant amount of my balance was withdrawn fraudulently. There is also a concern of identity theft because to open new debit cards would require a government ID and they already knew my personal information.
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 U.S.C 1681. 

Account Name XXXX XXXX XXXX Account Number # XXXX, Account Name XXXX XXXX XXXX Account Number # XXXX, Account name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number 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. 

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 annotates the report by more than seven years.

15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I'm a victim of identity theft due to Data breach and have no knowledge of the said account but I'm been harassed and threatened by the debt collector and also reporting it on my report even after showing confirming and spoken to them that I have no knowledge of the debt and also explain to them that am a victim of identity theft they are still harassing me and threatening me to pay for account I have no idea about.
Product: Credit reporting or other personal consumer reports

I am formally disputing the incorrect spelling of both my name and address as reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and Michigans Identity Theft Protection Act, Act 452 of 2004, I am requesting immediate correction of these inaccuracies.

Correct Information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX According to the FCRA 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, Michigans Identity Theft Protection Act emphasizes that all personal information provided in a consumer report must be accurate and verifiable ( Section 445.72 ).

To resolve this issue, I have enclosed a copy of my government-issued ID and a banking statement that shows my correct name and address. Please update the necessary fields and provide me with an updated report once these changes have been made.

I am also requesting that this letter be placed in my file to document that the inaccuracies were not caused by any fault on my part. Kindly complete this investigation and correction within the 30-day period as required by the FCRA.

Should you need additional information, I am happy to provide it. Please notify me once the corrections have been made or if any further steps are required on my part.
Product: Debt collection

I have yet to receive notification from this company of any validation that I owe a debt. I spoke wth several agents over the phone advising me that they didnt not have an address on file for me, but yet still placed something on my credit report and not giving me any chance to validate or verify who or what. I plan to take this to the BBB and hire a lawyer.
Product: Vehicle loan or lease

My auto loan account XXXX with Arivo Acceptance has been an outraged these past few months. 

Early in 2019 I had requested a due date change with my account representative XXXX who with out notice or cause was changed leaving an open situation that no one could seem to resolve. 

I was told my due date was move from the XXXX of each month until the XXXX which is not was agreed upon. Trying to reach the original representative on my account has been impossible. 

I have been what I can say is harassed by this company as they changed my address on file after trying to cross reference my file and has been sending statements to an address Ive never seen or heard of. The new account representative XXXX who I never heard from prior to him reaching out demanding I pay my payment after one day past a due date I didnt agree to! I have made several payments and have sent sensitive bank information over via bank statement and have spent numerous hours sending emails and calls to this company to try to get the fees rectified that I was charged in error and we are still not to a resolution that is beneficial to me as the customer/consumer. 

I paid my both my XX/XX/XXXXand XX/XX/XXXX payments more than 2 times each, both with different banks, were returned to my bank due to an error with Arrivo Acceptance. Each time a payment was returned there was nothing effecting the available balance before or after each transaction and this information was sent to this company via bank statement and they failed to clear up the problems. 

I want someone to step in and assist with this companys bad business practices as of today it looks like I owe nearly triple of what I originally was due to pay.of {$360.00}. The due needs to be changed to a date that is convenient for me and I would like them to stop badgering me with calls but not fixing any of my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Mortgage

My loan closed ( refinance in XX/XX/XXXX ) with all proper documentation and required insurances. 

Approx 2 years later it has been determined the lender did not accurately handle my escrow account. 

The amount I was required to pay each month for my mortgage did not take into account the wind insurance they required me to pay. This insurance, like the other insurances ( Home & flood ) was being paid by my escrow but the mortgage amount did not include the necessary funds to actually pay for this insurance as well. 

Due to their negligence, and dishonesty ( I believe they did this to convince me to refinance with them because they falsely portrayed a lower payment than my original loan, because it didnt have the wind insurance ) I am now required to pay $ XXXX more a month to cover the escrow shortage.
Product: Mortgage

I was forced to personally pay the real estate taxes when my town announced a tax sale date due to non-payment by the servicer. This is not the first time such an issue has occurred, and despite multiple attempts to resolve the matter with Shellpoint, they have failed to take corrective action or provide adequate explanations.
Product: Credit reporting or other personal consumer reports

Someone opened an account with Capital one and it was not me. They will not remove or fix the problem
Product: Credit reporting or other personal consumer reports

The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2022, I had done XXXX transactions. The amount was {$21.00} through XXXX. The others were {$21.00} through XXXX XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. 

The reason there is XXXX transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank - International Bank of Commerce. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to IBC and they gave me temporary credit. 

Now, over the weekend, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. It is currently XX/XX/2022 at the time of me typing this out. I called IBC and asked why they would do this because I still don't have the items and the seller still disappeared. I can't even get a hold of them. They then said that the situation was out of their hands and I would have to contact local law enforcement. 

I contacted local law enforcement and they looked at me very confused. They actually told me there was nothing they can do because it was through XXXX XXXX. Essentially, I am now out of the total amount of {$65.00}. I am very mad that I was not prot

ected AT ALL by IBC Bank and I am demanding my money back. Now that I know IB
C Bank does NOT care about your money or the consumer, I will be closing the account soon once this matter gets resolved. DO NOT bank with them.
Product: Credit reporting or other personal consumer reports

809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Mortgage

For more than a year, I am paying my mortgage to Mr. Cooper ( Former XXXX XXXX XXXX ) on time before the 15 of each month, that is the time that I have before getting late fees. I make electronic payments thru XXXX XXXX XXXX online services ( yearly payment statement attached ). On XXXX, I received a statement stating that I did n't pay part of my mortgage and Mr Cooper charged me late fees and the money that I supposedly did n't pay. I made a 3 way call between Nationstar and XXXX XXXX  XXXX. My bank rep confirmed that full amount payment was made electronically on time on XXXX/XXXX/XXXX ( money was withdraw from my account ). Nationstar admitted their mistake and returned late fees. On XXXX XXXX, this situation happened again. I spent an hour taking with Mr Cooper rep that did n't believe me and they could n't understand what electronic payment means, stating that Maybe I was using mail service to do it. A XXXX XXXX XXXX confirmed that full payment was made on time the same way, electronically, same address and account number. The problem was solve after that. 
Now I received a default letter stating that I did n't pay XXXX Mortgage. I contacted XXXX XXXX XXXX that proved that payment was made on time on XXXX/XXXX/XXXX ( All info was verified by Mr cooper rep ). I still being harassed by Mr Cooper, sending letter of " my default ''. I do n't know what is happening with Nationstar ( Mr Cooper ) that keep not registering my payments. This situation is causing me stress and anxiety. I pay on time and I do n't know what to do at this point. Attached you can find my online electronic payments and a letter from my Bank proving that Mr. Cooper received the money on time. This is the 3rd time and I do n't know what to do.
Product: Checking or savings account

I have tried to close my account multiple times since I never had much use for it. I had an overdraft fee once for a third party trying to withdrawal money from my account after I had tried to cancel with them. I was not able to Update the automatic payments therefore caused the first part of the problem. However, the bank refunded the fee after I told them of the problem and I told them my intention was to close the account. Then a month later, I get another overdraft fee for the same problem. I tried going into a branch and no one was able to help me after waiting for over an hour. I called again on XX/XX/XXXX and the wait time was 53 minutes!!! ( Not exaggerating ) I asked for a call back so I didnt have to wait on hold. I never got a call back. Now Im getting collection calls.
Product: Mortgage

I received yesterday a notification from Movement Mortgage to myself and my XXXX yr old son that there has been a data breach and that our information has or might have been compromised. My problem with this is that neither my XXXXyr old son or myself have ever applied for a mortgage with Movement Mortgage. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have always done my mortgages thru my bank. I am very concerned that they have any information on me and extremely concerned that they have information on my XXXXyr old son.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date Opened XX/XX/2021 Status Closed. {$680.00} written off. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit card or prepaid card

The XXXX XXXX XXXX credit card issued by Comenity Bank is using fraudulent practices. I have been on the phone with them several times trying to resolve the overcharging problem but they refuse to fix it. On XX/XX/XXXX, I bought a XXXX XXXXXXXX XXXX XXXX from XXXX XXXX XXXX. It cost {$490.00}. It was charged to my XXXX XXXX XXXX XXXX credit card managed by Comenity Back. I have direct payment from my checking account so there should have been no problem with the payment going through. For some reason, they are saying it did not go through and charged me an additional {$30.00} plus interest. They show on their website the money was returned, however, it was not. On my bank 's end which is XXXX it shows the charge went through. Comenity Bank then decided to charge me {$530.00} which not wanting my credit to go bad I paid on XX/XX/XXXX. Then they charged my account again on XX/XX/XXXX through automatic payment for {$500.00}. 

For a {$490.00} item, I have now paid {$490.00}. {$530.00} and {$500.00}. Over {$1000.00} over what was owed!! They finally reimbursed me with a check for {$500.00} at the end of XXXX but not the {$530.00}. Then, they recharged me for the {$500.00} saying they paid me twice which they did not!!! 

This back and it's fraudulent activity needs to be stopped!!! I do not want my credit going back over a fraudulent back. I have a credit rating of over XXXX and I pay my bills but I will NOT be scammed. Please help me get my money back!!
Product: Credit reporting or other personal consumer reports

There is a collection agency by the name of XXXX XXXX reporting an alleged debt of {$200.00}. The original debt was with XXXX XXXX for $ XXXX which I have attached to this complaint. I am confused as to why this collection agency is claiming a debt that I don't owe them. XXXX has since removed this account. I am requesting that XXXX and Equifax follow suit and remove the following account from my credit report for violation of the FCRA and FDCPA. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please note that this company and its subsidiaries was already involved in a lawsuit vs CFPB for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. If this account is not removed after viewing the evidence of the incorrect loan balance, I will find it necessary to seek litigation against Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX 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 MAY to be removed.

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

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

XXXX XXXX XXXX XXXX XXXX XXXX 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

This account was charged off on the following Since Then, the account has repeatedly been updated as charge -off every month. This is an update on the payment history. A Charge off account should Not include an active Payment history. This inaccurate information falsely manipulates the statute of limitation. Yours Failed to investigate this account properly and your neglect has violated my right. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Equifax ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) Equifax ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX )
Product: Credit card or prepaid card

In XXXX and XXXX I requested an increase to my line of credit with Capital One. Both times I was denied for : * There is legal action pending against the applicant Both times I contacted Capital One asking where this information was obtained from. Both times I was told they can not provide me with this information. 

I've checked all three credit bureaus and nothing shows there. I've contacted all of the court systems in my area and found no pending cases and no judgements of any kind. 

I told Capital One this information and they still maintained they could not tell me where the information came from. 

It is my understanding that a creditor can not deny you and not provide the source of the information used to make that decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several investigations with Equifax were submitted for two 2 separate issues. 

1. Account with XXXX XXXX XXXX mortgage account XXXX is still reporting an incorrect late reporting in XX/XX/XXXX. This account was never late and should reflect to say that. Equifax failed investigation closed XX/XX/XXXX and it shows a code XXXX late in XX/XX/XXXX. XXXX XXXX XXXX shows no late reporting in their system. 

2. Account with XXXX XXXX  ending in XXXX is reporting incorrectly as a charge off with balance. This account was settled and paid and closed as of XX/XX/XXXX as agreed upon settlement letter that was executed. This account should reflect closed and paid for less with XXXX balance