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

I disputed two charges in XX/XX/XXXX on two credit cards amounting to {$14000.00}. Fifth Third Bank continuously refused to chargeback the amounts. Per their policy, I went to arbitration on XX/XX/XXXX, I learned that I WON on XX/XX/XXXX. Fifth Third Bank is refusing to provide me the award amount. They are insisting that I provide a w-9 for a refund/chargeback which is inappropriate. I explained that this is not money being paid to me, but a return of money, therefore their request for a w-9 to then send me a 1099 for  tax purposes, for a refund, is inappropriate. First, on XX/XX/XXXX, their attorney said it was not for tax purposes, but a requirement in order to " cut '' the check. I explained to their attorney that the purpose of a w-9 is to " pay '' self employed and/or independent contractors money ( which is not me ). On XX/XX/XXXX, Fifth Third Bank attorney then admitted it was for tax related purposes and Fifth Third Bank would not be sending me a check without receiving the w-9, which is a tax related form which does not pertain to me. 

Fifth Third Bank should refund/chargeback the money the way they would any other way for a refund/chargeback/credit payment and issue me a check without requesting a tax document which is not relevant to me. 

First Fifth Third Bank refused to follow their policy and refund/chargeback the amount, and now they are trying to circumvent their responsibility of issuing it as a refund/chargeback by requesting a IRS document that is not relevant to me.
Product: Credit reporting or other personal consumer reports

I have multiple credit inquiries on my TransUnion and XXXX account that I did not authorize
Product: Debt collection

I am filing this complaint due to an unjust debt collection attempt made by CREDIT MANAGEMENT claiming that I owe a debt for XXXX XXXX services at an address where I have never resided or authorized services. 

XXXX XXXX of the Dispute : Incorrect Service Address : The debt collection notice states that the services that they provided. I have never lived at this address nor have I ever authorized or utilized XXXX XXXX services there. 

Absence of Wet Signature for Service Agreement : Importantly, I have never signed any service agreement with XXXX XXXX, especially not for the address mentioned. A " wet signature '' ( a physically signed document ) is typically required for such agreements, and no such signature exists from me, as I have never engaged in any contract with XXXX XXXX. 

Time Period of Alleged Service : The alleged service period. Throughout this time, my actual residence was at [ Your Actual Address during that time ], which can be substantiated with [ mention any proofs like lease agreements, utility bills, etc. ]. 

Account Information : The debt collection notice references account number. I have no knowledge of this account and reiterate that I have never entered into any agreement with XXXX XXXX. 

Request for Validation of Debt : I request comprehensive proof of this debt, including a copy of any service agreement bearing my wet signature, details of the service provided, and any evidence linking my identity to this account. 

Impact on Credit Score : I am highly concerned about the potential negative impact of this erroneous claim on my credit report and request that all related negative reporting be immediately rectified. 

Sought Resolution : Given the absence of any valid agreement or service usage on my part, I request the following : Immediate cessation of all debt collection attempts related to this claim.

A formal acknowledgment of the error and confirmation of my non-liability for this debt.

Immediate correction of any negative information furnished to credit reporting agencies concerning this matter. 
This situation appears to be either a case of mistaken identity or fraudulent activity. I am willing to provide further necessary documentation to aid in the swift resolution of this issue. 

I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights. 

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

Address XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All needs too be removed Ive asked an sent letters an no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim identity theft
Product: Credit card

I am filing this complaint against Capital One regarding their mishandling of my new credit card account, which has severely impacted my credit due to fraud concerns and delayed account verification. 

I was approved for a new Capital One credit card, and before receiving the physical card, I was given a virtual card number. I made one transaction using this virtual number. Shortly afterward, Capital One restricted my account, citing fraud concerns, and locked my online access. Notably, I had opted into electronic statements before Capital One restricted my account. However, once my access was locked, I could no longer view my account or statements, leaving me unable to monitor my balance or confirm any activity on my card. 

Over the next three months, while Capital One took time to verify my identity, I remained locked out of my account, preventing me from accessing any statements. As I could not verify whether there was fraud or confirm that my information hadnt been compromised, I did not volunteer any payments. 

During this period, Capital One assessed three late fees on my account but only agreed to waive two of them. Furthermore, despite the restriction being in place and my inability to access account information, Capital One reported me as late to all three major credit bureaus ( XXXX, XXXX, and XXXX ), causing significant damage to my credit score. 

On the day Capital One finally lifted the restriction and gave me back access to my account, I happily made a payment that brought my account fully current. Despite my swift action to correct the account status, the damage to my credit had already been done.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX business days after the date of receipt by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :
Product: Credit reporting or other personal consumer reports

I live in XXXX California and on XX/XX/2023, I mailed out my monthly payment for my XXXX XXXX to XXXX XXXX XXXX located in Arizona. I was sending the company my XXXX payment in the form of a Cashier 's Check, so there would be no delay in posting it. The cashier 's check was self-dated for XX/XX/2023 and it was issued by XXXX XXXX XXXX  Once I received the check, I immediately dropped it off in the US mailbox outside of the bank, which has a pickup time of XXXX sharp. On XX/XX/2023, I decided to log into my XXXX XXXX account and view my credit reports to see what balances were being reported on my credit cards and immediately noticed my credit score on the credit bureaus had dropped XXXX points. I immediately scanned my entire consumer profile and noticed XXXX XXXX XXXX ( aka GM Financial ) had marked me 30 days late on my car note. In 25 years, my credit has been flawless, I've never missed a payment or defaulted on a loan. The following morning, I contacted GM Financial to find out what's going on and they said I was 34 days late on my car payment. I said that's impossible. I said I sent the payment out on the 15th and worst-case scenario it would have been there no later than Sept 19th. The rep replied, we show it arrived on the 23rd. I said there's no way possible it took 8 days for my car payment to go from XXXX XXXX to XXXX. I said I even sent you guys a cashier 's check, which acts the same as cash and the payment should have been credited immediately. He replied back they have no record of that. I said that's impossible. I said was my payment just sitting for days in your po box , instead of being credited to my account. He didn't respond back. All he said was we show we received it on XX/XX/2023. I said you guys just screwed my credit. I want the 30-day late payment removed from my credit report immediately. This is your guy 's screwup, not mine. I said my payment was there on time, but I'm willing to bet one of your employee 's neglected to go to your po box and retrieve my payment and other customers payments which were there on time. He didn't respond back. I said your company 's going to remove that 30-day late payment from my credit report or I'm going to take every possible legal action against you. The conversation ended with no resolution. That afternoon I sent GM Financial, XXXX, XXXX, and XXXX all letters including copies of my cashier 's checks, which show the XX/XX/2023, date on it. Because of GM Financials employees and their ability not to do their job properly their customers are the ones paying the price. After 25 years of clean credit, they destroyed it. I want that 30-day late payment removed from my credit reports immediately. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX GLOBAL LENDING SERVI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO XXXX XX/XX/XXXX THD/CBNA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I was called by a private number in XX/XX/XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by XXXX XXXX and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.
Product: Debt collection

Portfolio Recovery has made harassing calls to myself and my mother, a female left @ least 2 different voice mails on my mothers phone, stating " they will be at XXXX home tomorrow to take care of this debt matter " or we will be at her home around XXXX to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe portfolio money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.
Product: Mortgage

I complied with what Select Portfolio Servicing reported to the Consumer Financial Protection Bureau, that I needed to get in touch with their Ombudsman Department at XXXX. I spoke with a customer representative who said that he was going to present a request for loan modification based on " an exception '' he said we qualified for. We complied with everything except having proof that we had {$2000.00} in the bank to make a down payment. The customer service agent said that he was going to contact us in three business days. He never did. I called the Ombudsman Department to see if there was anyone assigned to our complaint. To my surprise, I had to deal with a female customer representative who repeated endlessly what the letter dated XX/XX/year>, which I am attaching to this complaint said. The lady was extremely rude and refused to see if there was something else to do. She implied that XXXX and XXXX XXXX lived in the house almost for free and that her company always helped them. She talked about the times the Lastarrias have requested XXXX relief. Essentially, she said that our case did not deserve a new review, that it was impossible. 

XXXX XXXX XXXX is a XXXX survivor whose only wish is reasumming mortgage payments to retain his home. XXXX XXXX XXXX is a mother of XXXX kids. They got no other place to go to. They can not apply for any home loans because their credit is bad. SPS, the investors as well, on the other hand, are not doing enough to help them. I can only assume that both SPS and the investors were waiting for the Supreme Court to decide the fate of CFPB before doing what is their duty under the Deed of Trust, finding ways to help the Lastarrias. I feel discriminated by SPS and the way they have handled the case. They are not giving the present case the due process. 

The Lastarrias are ready to come to the conversation table and they expect the same from SPS. We do not to be placed into a marry-go-round or dead ends. The history of the present mortgage loan deserved more than a simple answer.
Product: Debt collection

XXXX XXXX were billed to XXXX XXXX. XXXX XXXX denied payment as they required more information. XXXX XXXX XXXX has filed bankruptcy. Outstanding debts were sent to Remex Revenue Services for collection action. I provided all documentation to Remex and they refuse to provide me with written confirmation that my record is cleared.
Product: Debt collection

i currently reside in the XXXX XXXX XXXX. this item was placed on my credit report on XX/XX/XXXX XXXX i have no knowledge of this account in the amount of {$4200.00}. This is being reported by assoc credit service for XXXX XXXX.
Product: Debt collection

Recieved numerous calls claiming I still owed a private school money after filing chapterXXXX. Company refused to acknowledge the debt was included in my discharge claiming it was a *student loan* I was paying my tuition out of pocket with NO LOANS and what federal loan I did take was already PAID OFF. I have contested this with XXXX  using THEIR OWN RECORDS of dates of discharge. They refuse to remove the negative statement from my credit report, instead aiding with creditor. I have the discharge and it states clearly the schools monies owed XXXX XXXX ] was included in discharge. I contacted the school, they dismissed me BACK to the collection agency!
Product: Student loan

Good afternoon XXXX and Navient student loans merged and my interest rate increased significantly. I am never late and I overpay but my interest is still outrageous. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX. They had my GA license at that time. I've dealt with several of their employees namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, they introduced themselves as XXXX XXXX instead of a salesperson. They used visual film and graphs to convince us we're making a good financial investment as they also showed resale history goes up. The said it had some tax benefits similar to owning a second home. They offered gifts such as more points & vacation at XXXX location. We felt pressured to decide right away as they needed to get a " corporate '' approval to grant us the price being offered, and a manager went upstairs to talk ; telling us things like it's our last chance at the lowest price. We felt we're being rushed, they didn't inform us of the fees, they didn't even allow or gave us enough time to read through the contract. We never received an original copy of the contract as well, they provided us the first page only. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. It felt like we were profiled, XXXX - XXXX XXXX XXXX and XXXX- a veteran. We're elderly, it appears we were taken advantage of because of our age. Having this timeshare just gave us hardships than giving us a way to relieve our stress, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people our age. It only caused us financial difficulties, we declared bankruptcy again and lose apartment & car/van. We're both retired but we couldn't make payments on other existing bills. We were in the office for XXXX hours going through stuff. They told us deposit would be waived but set up vacation club credit account and showed it as a promo purchase. Asked us to sign forms we couldn't read or get copies of; made us sign forms but they didn't even advise or inform us what they were but simply telling us it's part of the process. They took advantage of our old age to defraud us.
Product: Debt collection

I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not me.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent accounts and names and addresses and inquiries that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue with the bureaus and creditors for over than 3 months and i gave them 30 days but no response, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX these are the accounts : XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXX  XXXX : XXXX XXXX. XXXX  : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX XXXX. Inquiries : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX. Address : this address is not mine ( XXXX XXXX XXXX, XXXX, FL XXXX ) XXXX. ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. NAME : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/year> I intended to transfer {$2000.00} from checking to savings. By mistake, I transferred {$2000.00} from my credit card to checking and was charged a {$100.00} cash advance fee. On XX/XX/year>, I reversed the transaction to the credit card account and transferred {$2000.00} from savings to checking as originally intended. 

Unfortunately, the cash advance fee remained outstanding. I contacted the credit card company in XXXX and they said they would reverse the fee at the end of the billing cycle but that hasnt occurred so far. Now their XXXX statement shows that I will be owing a {$25.00} payment at the end of the month and I was charged {$3.00} interest. 

I now have been told to make the {$25.00} XXXX payment and they will reverse the cash advance fee, the interest, and my {$25.00} payment in XXXX but were unwilling to send me documentation to that effect.
Product: Credit card or prepaid card

Ive already filed complaints but the company refuses to come to an equitable resolution. I firmly believe I tried to make a payment in full to pay off a promotional balance ; they deny it. They did not respond at all to my second complaint about clearly making a discriminatory act during my most recent call to them, which I made after my first complaint. 

Ive now paid the entire purchase amount on the card but they expect me to pay over {$6100.00} in interest and late charges. They refuse to waive even a single month of interest. Many of my calls are handled in a highly unprofessional manner where I am cut off or scolded. 

The CFPB is already taking enforcement action against Synchrony for discriminatory behavior, yet they continue to exhibit it. The CFPB should perform a company-wide audit of their customer services practices, as I know for a fact that they do not treat all customers the same in various aspects of their business.