23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

" FCO Collections '' has not provided any proof and continues to avoid providing proof that investigations to my disputes/complaints placed with the consumer reporting agencies ( XXXX, XXXX, and XXXX ) and the CFPB were indeed performed, and that the documentation labeled as accurate was sent to ME. They are illegally presenting information on my consumer report and damaging my identity. They have not met any of the timelines for response, therefore have not adhered to the FDCPA or FCRA laws. FDCPA Regulation F 12 CFR 1006.30 Other Prohibited Practices ( a ) Required actions prior to furnishing information. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 USC 1681 a ( f ) ), information about a debt before the debt collector : ( i ) speaks to the consumer about the debt in person or by telephone ; or ( ii ) places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability... I have attempted to get this issue with " FCO '' resolved several times. I attached my initial dispute letters to the agencies, my direct dispute letter to " FCO, '' and copies of my consumer reports after the disputes were said to have been updated by the agencies due to information provided by " FCO '' and have never received any info directly from " FCO ''. I've also attached proof that these disputes were mailed into the consumer reporting agencies via XXXX Certified Mail receipts. On XX/XX/, XXXXXXXX XXXX, I received a call from a XXXX XXXX, on behalf of FCO, phone # XXXX, I realized FCO was purposely avoiding my requests for this documentation. She wouldn't give direct answers when asked why I hadn't received them. She bullied me. She kept talking over me and would not stop talking. I never received the info but got a letter for 70 % off debt.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent account ASAP.
Product: Credit card

I paid off my account with Citibank, including all pending charges, and asked to have my card canceled. A few months later, I was contacted and informed that another charge had been added to my account that I had not paid for. Apparently, this charge was not reflected on my account. I had been charged late fees for XXXX and XXXX. I called and asked to have this issue resolved and offered to pay for the late charge. However, they refused to waive both late fees. They waived the XXXX late fee ( admitting that they had screwed up ), but refused to take care of the XXXX fee. They also could not prove that the charge was made before I had ask the account to be canceled.
Product: Checking or savings account

Getting charged overdraft fees non stop when the app shows i have money when I don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 items : 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: Money transfer, virtual currency, or money service

WE SOLD A VEHICLE ON XX/XX/2021 AND WERE GIVEN A CASHIERS CHECK FOR PAYMENT. WE DEPOSITED THE CHECK ON XXXX TO OUR BANK WELLS FARGO AND WERE GIVEN A DATE OF XX/XX/2021 FOR THOSE FUNDS TO BE RELEASED. THAT DATE CAME AND FUNDS WERE NOT RELEASED. WE IMMEDIATELY CALLED WELLS FARGO TO FIND OUT WHAT HAPPENED AND WERE GIVEN A MESSAGE TO CONTACT THE ISSUER OF THE CHECK. THIS WAS THE MESSAGE THAT WAS GIVEN TO WELLS FARGO. XXXX XXXX XXXX WAS WHO ISSUED THE CHECK.. THEY TOLD US THE FUNDS WERE RELEASED ON XX/XX/2021 AND THAT EVERYTHING WAS FINE. WELLS FARGO IS SAYING NOTHING OTHER THEN THEY HAVE NOT RELEASED THE FUNDS AND THE ISSUE IS WITH XXXX  XXXX XXXX. THE CHECK WAS FOR {$19000.00} DOLLARS AND WE HAVE YET TO RECIEVE A LOGICAL EXPLAINATION OF WHO HAS THE FUNDS AND WHERE THEY ARE. BOTH BANKS ARE BLAMING EACH OTHER AND NO ONE HAS A DIFINITIVE ANSWER. WELLS FARGO IS SAYING THAT XXXX  XXXX XXXX HAS NOT RELEASED THE FUNDS AND XXXX XXXX XXXX IS SAYING THAT WELLS FARGO HAS NOT RELEASED THE FUNDS.
Product: Credit reporting or other personal consumer reports

My personal credit score is being affected by fraudulent accounts that are reflecting on my credit report such as Creditor ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

It's hard to describe just how miserable Sallie Mae/Navient has made me, but I will do my best. 

In XXXX of XXXX, I was still newly married, but I had no job. My wife had just begun her career as a nurse, and we had our first child on the way. With financial pressures building up, I responded to an offer that I had received in the mail from Sallie Mae. Promising the convenience of lower payments, interest free deferments, and generally a much simpler process for paying our student loans, we immediately moved forward with consolidating our loans together. My wife had graduated from college with {$31000.00} in debt, and I was struggling to pay the balance from my year and a half in college, which amounted to {$26000.00}. This was without even having a degree to show for it. 

We did our best to make our payments ; There were times when we had to use the deferments due to economic hardship. I was either unemployed or underemployed for most of my twenties. But we did make payments, a lot of them. 

However, the payments, along with our other consumer debt, drove us to bankruptcy in XXXX. Every one of our credit cards was paid off because of this, and our total settlement fee was around {$2500.00}. What I noticed as I was going through our paperwork, that a portion of our settlement went to all of our creditors- including Sallie Mae.

This seemed odd to me, since our loan with Sallie Mae was not discharged. It was our largest debt, and the payment had ballooned to more than our mortgage, as did the balance of the loan. But Sallie Mae STILL got almost half of our entire settlement for our bankruptcy. 

With capitalized interest, our student loan was increasing despite every payment that we made, and the payoff date kept moving further and further away. As of this writing, our payoff date is now XXXX of XXXX, when my wife and I will be almost XXXX  years old. That means the loan itself will be XXXX  years old by the time it is paid off - the same age as my oldest son, who by then will have been out of college for close to 13 years. 

I'm sure my story is not unique. What happened was Sallie Mae ( and Navient ) were deceptive and predatory, coercing my wife and I to sign on to a loan that is impossible to pay off, and when we were under extreme duress to the point of bankruptcy, they took money from our settlement payment even though they were not being discharged like every one of our other debts. 

The fact that we are supposed to pay for a loan until our children have graduated from college themselves, is robbing us from being able to plan for our future, but also makes it difficult to make ends meet some months. We were lead to believe that they were going to make our lives easier ; instead, they have chained us to a loan that is sinking us financially. A choice I made when I was XXXX should not affect my life until I am nearing XXXX age.
Product: Credit card or prepaid card

Dear Sir/Madam, Good evening. This is XXXX XXXX. I 've met the spending requirement of my XXXX XXXX card for months and yet there is no sign-up bonus 35k in my account. I 'm booking my trip to Hawaii for XXXX so I really need these points. Could you please urge XXXX issue the points as the contract said? 

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

I noticed 3 past due accounts on my Experian credit report that I did not recognize. 
1. XXXX XXXX XX/XX/XXXX # XXXX 2. XXXX XXXX XXXX {$2000.00} on XX/XX/XXXX 3. XXXX XXXX XXXX {$1000.00} on XX/XX/XXXX I contacted XXXX in early XXXX, they opened an investigation and determined I was the victim of identity theft. 
I contacted XXXX on XX/XX/XXXX and informed them I did not recognize the account. They suggested that I contact Experian to open a dispute. 
I contacted experian today XX/XX/XXXX and disputed these 3 accounts/charges.
Product: Credit card

Capital one the company with which I have been a customer for over 15 years sent me an offer to get their savor one credit card with an initial spending bonus offer clearly stated ( spend {$3000.00} in the first 90 days, get {$300.00} cash back ). I signed up and received the card, but they have now reneged on the offer, stating they counter offered before issuing card. Obviously they are not entitled to counter offer themselves nor should they be allowed to engage in bait and switch tactics. 
Respectfully, XXXX XXXX
Product: Credit card

Dear CFPB, I am writing to express my extreme frustration with Citibanks XXXXandling of my recent credit card application. 

On XX/XX/2024, Citibank pulled my credit report from XXXX. I was subsequently denied a credit card based on the information contained within that report. I understand and accept the decision to deny my application. 

However, I was promised a copy of the denial letter within XXXX days. The letter I received today states that my credit report was pulled from XXXX, not XXXX. This discrepancy is unacceptable. 

I am legally entitled to a letter explicitly stating that the hard inquiry pulled by Citibank on XXXX on XX/XX/2024 was a contributing factor to the credit denial. Despite being on hold with Citibank for over an hour, I have been unable to obtain this crucial information. 

I am appalled by the level of customer service I have received. It is evident why Citibank has an Alert status on the XXXX  website with a XXXX rating out of XXXX. 

I expect a prompt and satisfactory resolution to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I closed a Money Market account ending in # XXXX on XXXX and was told it would take 15 business days to receive a check due me in the amount of {$63000.00}. 
I received a letter from Capital One dated XXXX indicating the account had been closed. See attached. 
I phoned on XXXX at XXXX as provided on the letter. I was told that it had mailed and perhaps was delayed by the US Postal Service. I was sent an affidavit to fill out to indicate that Id not yet receive my check. See attached. I was told this would take 7-10 days. I sent the affidavit on XXXX -- see attached. 
I phoned again on XXXX at XXXX, which is the main Capital One line. I spoke with supervisor, XXXX. She told me a reissue could happen 60 days from original issue. She then did not have access to further information, and I was transferred to the Escalation Team. I was asked to verify my email address and was given Escalation # XXXX. 
I got a call from XXXX at Capital One on XXXX. She told me her direct line was XXXX and given extension XXXX. XXXX indicated that a check reissue would be done on XXXX, and that I would be given a XXXX  XXXX tracking number at that time. 
I phoned XXXX at extension XXXX. Here I got an automated message saying that I needed a 7-digit extension. Note : I had gotten a 6-digit extension. 
I phoned XXXX and asked to be transferred to the Escalation Team. XXXX, a supervisor there, told me that he did not have a tracking number and it probably was sent via US Postal Service. He told me to try again tomorrow. 
The internal tracking, non-responsiveness, and lack of acceptability of anything related to this entire fiasco is laughable, except that Capital One has held my money hostage for over 90 days. 
When I inquired previously that I should be reimbursed interest on days that Capital One has held my money I was told that this couldnt be authorized. It seems they can make interest on my money, but I can not recoup any interest lost. 
I not only feel that this is probably a recurring issue and a way to hold onto money with little or no penalty. After all, much like I was told in my last call today the next escalation is the presidents office at Capital One and it can only be reached via mail. Certainly, they can say they never got the letter much like my check that Uncle Sam is blamed for losing. 
I want my money and interest lost during this time period of over 90 days.
Product: Credit card or prepaid card

Due to COVID closures I was furloughed and my boyfriend was laid off for a month and we are still not full time. I had to pay rent and other priority bills at that time and prior to missing a payment I had made multiple attempts to reach out to the credit card company to make arrangements where I was complaint and in good standing. So that a hit would not be applied to my credit. Im currently making double payments since the missed month and I would like the credit company to reconsider their recording of a missed payment since they were non responsive and didnt allow me the opportunity to be up to date with my account. 

XXXX has made no attempt to respond to my calls or my letter than I had sent in XXXX. When I call I keep getting a recording and no one will answer. How can I be a compliant card holder with a company that is non responsive. 

Requesting to remove missed payment from credit agencies.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and noticed that Experian has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
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: Mortgage

My problem is with  Loan LLC . In  XX/XX/XXXX I paid two mortgage payments to  LoanCare s o that I can get advance my payments. In   XX/XX/XXXX   I pai d two  payments also ; I did n't know early payments was n't allow. I checked my payment histo ry one day to learn that the two  payments were returned to my account only they never put into my account. The payments were both {$620.00}. I talked to  LoanCare  about the money, and emailed them    XX/XX/XXXX  They told me to give t hem 5  business days. They said if I wrote about the same problem it will slow them down. It has been about 45 days now and I have not heard nothing about my money. If I had my money I could go on and pay the  one month I 'm behind. These people have made my credit  bad by reporting me for late payments and not paying on time. My payments were due in the  XXXX  and I was paying on the  XXXX . I was paying by money order when I first started paying and the  XXXX  money order was never cashed. I deposited that money order in  XXXX . They are the worst company to work with. My credit should never have been an issue, it was the company that had my money ; by right I 'm still a month ahead but they have harasse d about being two months behind ; although I 'm just one. They have sent me foreclosure letters. I have tried to apply   for Loan Modification and still nothing happened.
Product: Credit reporting or other personal consumer reports

I asked XXXX to remove an account from my credit report. The account was with Prince Parker and Associates. They have falsely tried to collect on a debt that they do not have. XXXX pulled the account back from them last year and sent it to another debt collection agency. I paid that agency in full several months ago. I sent Prince Parker and associates the paid in full letter and receipt for months. I've disputed the debt with XXXX XXXX or XXXX times now. Each time the debt was validated, despite XXXX XXXX not even having the account. After no resolution, I filed a CFPB complaint on them. They then advised that the account was " withdrawn '' in their office. They have refused to send me any information to date, as proof of this withdrawal. Anyway, I was told by Prince Parker to wait until XX/XX/XXXX to file another dispute with XXXX. I was advised to do this because supposedly now that the account is withdrawn, they will no longer validate the debt ( which is crazy cause THEY DONT EVEN HAVE THE ACCOUNT ANYMORE ) any way on XX/XX/XXXX I filed a dispute with XXXX XXXX they not only VALIDATED the account they even updated the date! This comes after I sent XXXX all of my correspondence with Prince Parker. I even sent them their CFPB response, saying my account was " withdrawn '' it even had the CFPB, complaint number. I even sent them the paid in full letter and receipt form XXXX XXXX XXXX and they still did not correct the reporting! I called their customer service and the rep advised that she could not tell me why the account was not removed despite all of the information they had. The only other thing I could do was file a written complaint. Which I have done via certified mail and now through the CFPB. A XXXX from XXXX is supposed to call me by end of the day today, XX/XX/XXXX, but is only to explain the findings, which does not help me. This issue has gone on far too long. At this point I am seeking legal assistance because I am certain my consumer laws have been violated.
Product: Mortgage

Closed loan/ paid in full XX/XX/2021, still have not received check of escrow overpayment refund. Over 20 calls with Ameris bank since, run around every time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom This May Concern : I am writing to you regarding several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA : I am demanding these accounts be blocked and removed immediately because it is the result of identity theft. Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 15 U.S. Code 1681i ( a ) 6 ( b ), and 15 U.S. Code 1681i ( a ) ( 5 ) ( b ). I repeat I am a victim of identity theft, and I would like to take actions against the perpetrators that's fraudulently using my identification.

To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries on my XXXX credit report. These inquiries were made without my consent, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, you are legally required to ensure that only authorized and permissible inquiries remain on my report. The following inquiries were not authorized by me and must be removed immediately : XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

Legal Basis for Immediate Removal : 1. FCRA 15 U.S.C. 1681b ( f ) A credit bureau can not furnish a consumer report to a third party without a permissible purpose. If XXXX can not provide documented proof that I explicitly authorized these inquiries, they must be removed immediately. 2. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified, it must be deleted from my file within the required timeframe. 3. FCRA 15 U.S.C. 1681n and 1681o If you fail to comply with my legal rights under the FCRA, I will have grounds to seek legal action for willful or negligent noncompliance. Demand for Expedited Action : I demand immediate deletion of these hard inquiries as they were unauthorized and negatively impact my credit score. I do not agree to wait 30 days, as the FCRA requires accurate reporting, and these inquiries must be removed now if they can not be verified with signed proof of my authorization. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years. 15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.
Product: Credit card

I owed $ XXXX on my Discover Card. I got an offer from XXXX including balance transfer 0 % for 12 months and I opened the account. XXXX immediately showed that I owed them {$2300.00} and I got a physical mail saying that that was the highest amount they could transfer, but it did not show up on Discover for a week. I complained to XXXX that the debt was showing on both credit cards. They pulled the money back fto Discover and now this {$2300.00} shows as debt on both cards.