23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to Midland Credit Management and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at 4pm and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.
Product: Credit reporting or other personal consumer reports

ALL THREE MAJOR CREDIT BUREAUS ARE REPORTING INCORRECT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT {$4400.00} DATE XX/XX/year> ACCOUNT # XXXX
Product: Debt collection

XXXX Collections representative XXXX contacted my tenant and stated that she was trying to reach me about a debt I owe American Express. She breached my right of privacy under Federal and State Law by sharing with my tenant the outstanding balance owed and that she was a debt collector trying to collect a debt. She instructed my tenant to have me call her at XXXX XXXX XXXX XXXX, ext. XXXX. This occurred on XX/XX/2019.
Product: Credit card

I have an Amazon Store Card through Synchrony Bank. I am a recent XXXX who took the XXXX in XX/XX/XXXX. Due to a overlap, I lost track of the time of the month and missed my payment. I have missed no other payments and have always been current. Resultantly, Synchrony Bank doubled my monthly payment, which I now can not afford. I am currently unemployed, being a recent student. I called Synchrony in an attempt to resolve this and was met with nothing but hostility and outright rudeness. I was told that my only option is to allow my account to lapse and write a mailing address that will take at least 30 days to process my request, at which point my account will be even further lapsed. They will offer no leniency and no meaningful solution. They will give me no details as to what options will be provided to me once I write to this address ( and seem to suggest that no relief will be provided ). All I asked for was flexibility, to allow me to pay my normal monthly rate and I was borderline mocked by their representatives. They have put me in a position where I have no choice but to fall further in debt and accumulate more late fees and interest.
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and XXXX.
Product: Credit card or prepaid card

I have a credit card which is due the first of every month. My payroll is structured to my bank account on the first and fifteenth of every month. The last two times I made my payment on the day it was due. I always pay more then what the minimum is, I'm in Arizona XXXX and this company is on XXXX. They charge me a late fee because I did not meet their specific cut off time. I make my payment on the day it is due. The web page even stated payment date right on the payment page. They charged me a late fee because they posted it the following day. My payment was not made on the day after it was made the same day it was due. I emailed them and advised them that I make my payment when funds are available to my account which is that day. This is unethical practice I can understand if my payment was late but it is not. They use this time zone to collect late payments even when I paid it on the day it was due not the following day..
Product: Checking or savings account

I went today to this place next my home for car inspection. They used cash only and asjed me to change the wioets so I saud if you accept credit card, replied cash only but we have an ATM machine in the shop. I never use my debit card outside bank of America. I used today at XXXX $ XXXX charging me {$3.00}. At XXXX, I check another transactions and payments and I found {$0.00} withdrawal to XXXX shop in XXXX. I spoke with my bank and he confirmed this us fraud happened on my debit card not on my bank account. 
Place name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Dispute of Unauthorized Credit Report Inquiry Reference : 15 U.S.C. 1681 Fair Credit Reporting Act ( FCRA ) Dear FAIR COLLECTIONS & OUT I am writing to formally dispute an unauthorized inquiry listed on my credit report. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), it is required that no party may obtain my consumer report without my written consent or a permissible purpose, which includes my direct authorization. Upon review of my credit report, I found that FAIR COLLECTIONS & OUT accessed my credit report on XX/XX/XXXX without my knowledge or authorization. 

I have never provided written consent for FAIR COLLECTIONS & OUT to obtain my personal credit information. This constitutes a violation of my rights under the FCRA. I request that you immediately : 1. Investigate the unauthorized inquiry.

2. Remove this inquiry from my credit report.

3. Provide me with the results of your investigation.

In accordance with the FCRA, I expect this dispute to be resolved within the 30-day time frame required by law. Please consider this a formal complaint if no timely or satisfactory action is taken.

Enclosed are copies of my identification and any supporting documents necessary to assist with this dispute. Should you require additional information, feel free to contact me using the details provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian, XXXX, XXXX, and a Debt Collector for multiple violations of the Fair Credit Reporting Act ( FCRA ) and state laws regarding debt collection in Mississippi. 


Violation of Mississippi Statute of Limitations on Debt Collection : Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies and the debt collector have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 


Identity Theft and Data Breach Impact : I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Failure to Block and Remove Information : Despite my multiple attempts to notify Experian, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report and failed to remove past the legal statute of limitations debt. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.
Product: Debt collection

This company, Credit Collection Services, is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and other documents as well so I may review it to see if this is an account that belongs to me.
Product: Mortgage

The leader had us extended the closing date only to hold on to the closing or no information on why the closing isn't happening in the time fame that was asked
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the equifax data breach, I have tried to initiate a fraud alert on my credit file. Not a single credit reporting agency website is functioning. In addition, you can not get through via telephone.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for assistance in saving my home on XXXX XXXX, 2015 by submitting a complete financial package to my servicer Nationstar. On XXXX XXXX, 2015 I was advised I was denied for a loan modification on XXXX XXXX, 2015. I have been trying to get a copy of my denial letter and NPV chart so my attorney can appeal the denial however Nationstar is evading giving me the information. They are stalling and making me request these items in writing and soon my ability to appeal my denial will be over because they have stalled now XXXX days and I only have XXXX days to appeal. I have been told this is a common tactic used by Nationstar to stall after denial in order to evade an appeal. They finally sent my attorney the denial letter by fax on XXXX XXXX, 2015. But they purposely left out the NPV chart and said I have to request that in writing. Another stall tactic to burn more time with the goal of pushing me past the XXXX days period to appeal. I am now waiting XXXX days and still no NPV chart. Attached I have included my written requests required by Nationstar just to get a copy of my denial. I know there was an error in my last review. The reason they are telling me I was denied was due to " Negative disposable Income ''. I know this is not true. There is some sort of mistake with the information they have and the only way I can find out what information is wrong is if they give me my denial letter NPV chart in a timely manner. Please stop Nationstar from this practice of stalling and avoiding issuing a denial letter and NPV chart. It does n't seem right that they are now requiring people to request the NPV in writing and only issuing it to them after the time period to appeal has expired or almost about to expire. I am running out of time and Nationstar is purposely stalling so I can not appeal. This is wrong and I am sure they are doing this to many people.
Product: Checking or savings account

Requested for overdraft fees and only received a portion of it. Wells Fargo is the only local bank so thats why I bank wit them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint.I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, TransUnion, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected.The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Debt collection

On XX/XX/2021 I received an email from XXXX XXXX of XXXX, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to LVNV Funding LLC. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX XXXX XXXX responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I called Capital One customer service, and I requested to get protection for my monthly payments due to Covid-19. The customer service confirmed that I would be protected till XXXX ( next payment ) Because my XXXX payment was already covered and protect under COVID 19 program. Unfurtanetelly I received a notification from XXXX   that Capital One reported 30 days late payment. Impossible because they explained to me that the XXXX payment was already protected. The customer service fails in providing the correct information about the next payment and the credit report, to help me as a client to avoid being report to the credit bureau. I called today again, and I asked them to remove this error from my credit. I didn't get any reference number or case number to follow up. I'm facing an economic situation due to the COVID 19.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out one account on EQUIFAX account numbers that I did not recognize, The one account with Unknown account that are not mine and they are on my EQUIFAX credit report, alleged account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and auto lease reporting to my credit report is fraudulent activity. Please forward me any documentation providing proof I applied for credit. If you can not provide proof of documentation please remove these inquiries from my report. I have not and did not authorize this account.
Product: Credit card or prepaid card

XXXX Are these the types of policies and responses Capital One CEO XXXX XXXX confirms? 
- Why am I being forced to continually address this issues and report wrong-doings - Why do we have a system that encourages inadequate responses and deceit with rules and regulations that have zero consequences for deceit and noncompliance. 

Dog and Pony show ; an elaborately staged activity, performance, presentation, or event designed to sway or convince people from a derisive term for a small circus On XX/XX/XXXX I filed a claim of fraud charges on my Capital One credit card # XXXX Case # XXXX I itemized each transaction I requested to card closed and replacement card issued I informed Capital One that I was in XXXX XXXX XXXX XXXX, Mi. and provided the phone number for anyone to verify this fact. 
I informed Capital One I had a XXXX XXXX XXXX XXXX XXXX for 9 days causing damage to my XXXX XXXX and XXXX XXXX therefore was XXXX XXXX XXXX, I informed Capital One my Doctor said it could be weeks or months before XXXX and XXXX XXXX healed. 
On XX/XX/XXXX Capital One representative XXXX XXXX, responded but without addressing two ( 2 ) primary requests a. ) close the credit card b. ) reissue a replacement meant card as required per our contract 8. As of XX/XX/XXXX I have not received or been informed a replacement card had been sent 9. On XX/XX/XXXX I signed on to my account to check for any messages addressing the replacement card and could not find any. I also checked my email, but again no messages 10. Capital One offers live Chat therefore used the chat and the representative refused to answer my question on a replacement card and informed my i must call.I again expressed to the live chat representative I had just came home from hospital, had damage to my XXXX  and XXXX XXXX and XXXX XXXX XXXX. 
11. The representative was unapologetic again refused to address my question and deliberately disconnected us. 
12. By these actions any reasonable person would agree that Capital One is refusing to discuss this situation with me unless I call them. 
Note : there is nothing in our contract agreement stating calling is the only form of communication 13. It seems Capital One does not want to respond in writing because they do not want a written record and the only reason for this is intentions of wrong-doing by Capital One
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are : XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XXXX XXXX XXXX  account number XXXX in the amount of {$2200.00} No creditor, account number XXXX in the amount of {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and Transunion refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, Transunion, XXXX XXXX and XXXX regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.