23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Letter send for Collection Validation : Request for Collection Validation, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX See Attached Documents.
Product: Credit card or prepaid card

I am unable to speak with the credit card company with the phone number on the card regarding a fraudulent charge on my card. The call center is not taking calls, rather they answer and then hang up immediately saying they have system issues. This has been reported to my credit score and I am unable to reach anyone to resolve this has been ongoing since XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on all the credit reporting agency, Experian, XXXX, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. Experian incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XXXX XXXX XXXX  {$50.00} OPENED ON XXXX XXXX XXXX {$15000.00} OPENED XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XXXX XXXX XXXX XXXX {$87.00} OPNED ON XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XXXX Blank info listed as collections as {$100.00} opened XXXXand {$50.00} opened XXXX XXXX XXXX {$1800.00} OPENED XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, Equifax, XXXX, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. 
XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and Equifax nor XXXX nor XXXX added my account. 
XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called Equifax added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on Equifax confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau Specialist Unit spoke with XXXX XXXX reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of Freedom card XX/XX/XXXX It should take XXXX business days Friday/Monday of Next week to be added to Reporting Agencies XXXX Equifax and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called XXXX department priority escalations added Consumer Statement. Called Equifax updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. 

XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, Equifax and XXXX and it is NOT
Product: Mortgage

IN XXXXXXXX XXXX XXXXXXXX INDYMAC BANK WENT INTO BANCRUPTCY ONE WEST BANK TOOK OVER PAIID XXXX XXXX XXXX XXXX AND RECEIVED MILLIONS IF NOT BILLIONS TO HELP HOMEOWNERS IN XXXX WHEN ONE WEST BANK TOOK OVER THEY SENT ME BILLS FOR FORCED PLACED INSURANCES WHICH I HAD CORRECT INSURANCES OF XXXX XXXX  PER HOME WHICH I PAID AND WASTED EVERYDAY OF MY LIFE TRYING TO RECTIFY THEIR MISTAKE UNTIL FINALLY IN XXXXXXXX XXXX XXXX THEY TRIED TO HELP BY MODIFYING MY LOANS TO THE ORIGINAL PAYMENTS SINCE THEY PUT ME IN A HARDSHIP BY COSTING ME ALMOST XXXX A MONTH PER HOME THEN IN XXXXXXXX XXXX XXXXXXXX THEY TOLD ME THEY ARE CANCELLING MY MODIFICATIONS FOR ALL 3 HOMES AND WANTED XXXX PAYMENT PER HOME X 3 FROM XXXX TO XXXX NOT EVEN DEDUCTING THE MODIFICATION PAYMENTS THEY RECEIVED THEY WANTED APPROX XXXX IN BACK PAY WHICH INCLUDED THE FORCED PLACED INSURANCES OR THEY THREATENED ME TO PUT ME IN FORCLOSURE I COULD NOT COME UP WITH THAT MONEY AFTER PAYING THEM ALL THAT MONEY FROM XXXX XXXX TO XXXX XXXX XXXXXXXX SO THEY PUT ME IN FORCLOSURE ALTHOUGH I HAD THE CORRECT INSURANCE I RECEIVED A LETTER IN XXXXXXXX XXXX XXXXXXXX THAT THEY WERE SORRY THEY FORCED PLACED INSURANCES IN ERROR FOR ALL THREE HOMES YET DID NOTHING ABOUT IT THESE CASES ARE COMPLEX THEIR ATTORNEYS ARE GETTING PAID FOR 15 YEARS AND JUST KEEP DRAGGING THIS GROSS XXXX  ALTHOUGH I HAVE HUNDREDS OF EMAILS TRYING TO RESOLVE THIS RESPECTFULLY THEY DONT CARE THEY WENT BEHIND MY BACK COMMITTED FRAUD AND WENT TO THE JUDGE TWO YEARS AGO KNOWING I HAD NO ATTORNEY AT THE TIME AND NEVER SERVED ME AT ALL I HAVE EMAILS ON THIS. THESE CASES AND MORTGAGES WERE FRAUD THE ATTORNEYS ABUSED ME IN COURT AND CAUSED ME SO MUCH STRESS WITH 3 LITTLE KIDS AT THE TIME DAY AND NIGHT
Product: Checking or savings account

XX/XX/XXXX my wife made a deposit thru the BOA ATM in XXXX, NJ. It was a {$500.00} check from her company for an EAP loan. She signed it & I signed it. At that time they released {$200.00} & a hold was placed on the other {$300.00} to be released the next day. This kept our account from over drafting and items from being returned. Today I login and see they have released the item and then charged it back, causing a major overdraft in my account and charging me overdraft fees. 

My wife has part of her paycheck direct deposit going into my BOA account every 2 weeks. She has also deposited items on several occasions thru this very ATM at this location. No one even bothered to call or email stating their was a problem with the deposit. She checked with her office and the check was never even presented to their bank so it wasnt returned by them for any reason. 

BOA has a habit of doing things like this to where they can charge fees unnecessarily & we have been charged several hundred in fees just in 2019 for items that should have never been returned due to them holding items or posting items to charge the most in fees..
Product: Student loan

I am writing in concerns about a student loan that was taken out in 2009. I attended XXXX. Before the sign up I was promised that my credits were transferable and they would assist me with job placement. Neither of the promises were honored. I was told they were an accredited college they were not that either. The loan taken out was supposed to pay for me to get my certification. It cost a {$100.00} out of my pocket to become certified. I feel as if I was told all this information just to sign up for the program. I have gone to the location several times, nothing was accomplished. XXXX XXXX were supposed to contact the graduates to verify if they had job placement. No one never called. Until this day I do not have a job within the field of my XXXX XXXX. I had to work odds and ends job just make ends meet. I thought me attending school again with guaranteed job placement would help. Instead, I am stuck with debt and empty promises.
Product: Checking or savings account

My name XXXX XXXX and i am a resident of Missouri. I opened a BMO HARRIS smart advantage checking account online back in XX/XX/XXXXAnd at the time they had a promotional bonus of XXXX $ offered on the account after meeting the qualifying Direct deposit requirements and it was open to the residents of Missouri. Their system automatically appliedthe promocode as they had mentioned in their promotion. 

I met the 2, 300+ DD requirements in XX/XX/XXXX 
Last month in XX/XX/XXXX i called their customer serivce to inquire about my bonus since its been more than 3 months since DD. 

They confirmed that i had met the DD requirements and that i should receive my XXXX $ bonus by XX/XX/XXXXthe latest. 

Its XX/XX/XXXXand still i havent received the advertised bonus. Upon researching online i further discovered that they are doing this to almost all customers and mnay are having to officially file a complaint to get them to honor their promise. 

I have attached with this complaint my checking account statement from XX/XX/XXXX showing my DDs and My screen shots of BMO HARRIS promotional offer including the promocode used. 

I hope CFPB looks into this and helps me resolve the issue.
Product: Credit card or prepaid card

Good Morning, On XX/XX/23 I contacted Capital One to inquire about interest charges on my most recent statement. I had paid off my balance in full that month and did not understand why I was being charged another {$64.00} in interest. I was told this was due to " carry over '' interest. Like many Americans, I was not aware of this stipulation. The only reason my balance was high was due to tuition payments for which I was waiting on reimbursements for. I called as soon as I saw the statement. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reminded them that I am well aware of the new CFPB regulation about junk fees and amounts that went into effect on the XX/XX/XXXX deadline. 

In the last several months I was just hours late making a payment on the mobile app, and I was charged a {$40.00} fee within hours of the payment deadline. This happened twice, XX/XX/23 and XX/XX/23 - my payments are due on the XXXX of each month. These fees were assessed on the due dates of each payment within hours of their before midnight deadline. I explained given that I paid those late fees so recently I should not be charged this carry over interest. So far this year I have paid over {$1000.00} in interest on this account. Considering the maximum is now {$8.00} down from {$41.00} for a late fee. 

A supervisor heard the details of the case and in less than XXXX minutes refused to waive the {$64.00} interest on my {$0.00} XXXX credit card statement. 

If I choose to close the account, I risk losing the longest account history on my credit report which would seriously adversely affect my credit. 

Refusing to waive the interest in this situation is abusive on Captial One 's part. They were well aware that these new regulatory rules would be put in place and continued to charge fees abusively up until the date. I informed them I would submitting a complaint considering they would not be willing to waive a mere {$64.00} in interest. 

Please take strong action against Capital One for their abusive practices. Their mobile app still says the late payment fee is up to {$40.00} at the time of this complaint XXXX EDT XX/XX/23. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX, IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit card or prepaid card

I logged on the Chase to pay my credit card on XX/XX/XXXX and I saw my balance was huge. I called right away and told them that all the charges from Arkansas were not mine. The person on the phone did the dispute, cancelled my card, and ordered me a new card. I waited and logged into my account on XX/XX/XXXX and the charges reappeared so I called them again. The girl on the phone disputed the charges again. In the meantime, on XXXX. XXXX, I received a letter stating that I received benefit form the charges or I told them I made the charge, which I did not. I called again, the girl was rude and told me there was no way someone could use my card because it has a chip. They requested I send something showing them that I was at work on those days. I got my time sheets to send them. I emailed my time sheets to XXXX XXXX XXXX on XX/XX/XXXX after going back and forth with them for several months. I logged into my credit account some time in XXXX and saw that my address was inquired in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, AR XXXX, so I contacted the FTC and filed an identity theft report. They had me to send another letter. I sent them another letter with all statements highlighted and I sent it certified mail. The results of that was to contact your office because they still will not remove the charges from my account. I emailed them on XX/XX/XXXX to tell that I was not paying my payment because my account is so confused and the minimum due was way more than I should have paid. I got a phone call from a gentleman saying he was going to dispute the charges again for me. To date the items are still showing on my account.
Product: Debt collection

The company NATIONAL CREDIT ADJUST has attempted to collect a debt. I have never done business with this company. I have made attempts to have the account removed from my credit report and it has not been removed and is negativing impacting my credit.
Product: Credit card or prepaid card

I applied for a credit card with Citi bank - the XXXX XXXX XXXX XXXX credit card and was denied for a bankruptcy from XXXX  28 years ago. My current XXXX score averages around 800, I currently have two credit cards with Citi that are about 10 years old with a combined line of credit of {$54000.00} and are paid off every month. I charge well over XXXX per year and do not have balances on my cards. Our household income is about {$780000.00} per year. 

I am more than happy to provide verifiable documentation of any of the above. I have not had any issues with obtaining credit for 20 years as I worked very hard to restore my financial stability after my bankruptcy in 1995. Note I am now XXXX, I was XXXX when I filed and filed due to loss of employment. I find it odd, that after I told the credit analyst that I wasn't sure if I should have included my husband 's income on my solo application that she couldn't hear me anymore, stated she would call me back, did not call me back, and then I got a denial letter for an almost 30 year old bankruptcy. Note - I asked if I should include his income because most of the debt on my credit report are joint accounts and joint responsibilities. 

I feel that I am being discriminated against for being XXXX as there is nothing negative in my credit file, my account history with Citi ( along with my other creditors ) on my existing Citi accounts is XXXX
Product: Debt collection

Collector XXXX XXXX with XXXX XXXX contacted me, my father and my sister in law all in a matter of a few minutes. Left a voicemail for me and my sister in law stating there was allegations of fraud against me in my county 's district court. Spoke to my father and told him the same thing. The company does not have my permission to contact my family members and she has done so on numerous occasions ( XX/XX/XXXX and XX/XX/XXXX ). Only XX/XX/XXXX when she spoke to my sister in law she disclosed my personal information including my date of birth and address to her. These are violations under the Fair Credit Reporting Act.
Product: Checking or savings account

This is about the 4th time this has occurred I overdraft the account and then had my employer to sent XXXX to cover XXXX dollars and he did then called the Friday and Saturday I called and spoke with the banks asking why didn't they fix the fees they stated that when the XXXX was placed in the account I had XXXX available then mad the charges charging me XXXX fees of XXXX dollars each. Yet that's not true and when I told them that how is that possible when they send the alert via text indicating the overdraft then I requesting the payment. So how can it be the way they indicated it to be I beg them to fix the fess they put one fee in then took it back off to get a another fee they keep doing this that it's so sad.XXXX of fees.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove this fraudulent item from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any item listed in Identity Theft. Once again HERE ARE THE ITEM THAT I WANTED TO REMOVE! 
XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported to my personal report for a business account and also added inquiries for the business on my personal report.
Product: Debt collection

On XX/XX/XXXX a letter was sent to Portfolio Recovery asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. 

In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer. 

Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for Portfolio Recovery Associates LLC and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence. 

By filing this XXXX, XXXX XXXX XXXX, XXXX. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff Portfolio Recovery has.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX