23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They told me they had a judgement right out of the height of the pandemic. Then some guy stalked me and followed me down the street in a vehicle and threw the papers through my vehicle window saying are you so and so? Acted like he was a cop. Before serving me papers they hit my bank account and I told them to return the money they took. They returned all of it except XXXX dollars of it to either apply it to an account to renew statue of limitations of the doctors bill. Now they wiped out my bank account 2 days ago. I asked for an itemized bill to see what the debt was for but they failed to provide me with one. I went to the courthouse to get more information of the bills collecting. They only show me date of bill which is the bill that Im questioning for XXXX XXXX XXXX for amount XXXX from XXXX XXXX, XXXX? Another from XXXX XXXX XXXX for XXXX from XX/XX/XXXX. Both bills out of statue of limitations. I did not provide them permission to apply any amount of money towards either one of those accounts to renew statue of limitations and plus still dont know what they are for because they cant provide me with an itemized bill of what it was for. I sent them a letter in response to papers being served basically saying they could not provide me with enough information so Im not paying the bills. I have proof of all documents and when I sent them a check to dispute the bill they sent me a letter back saying that I was supposed to send it to the courts. When I asked them what the address of the courts was they said, I dont know its online XXXX it or whatever and hung up the phone. Check CBS collections recorded audio. I did XXXX it and still couldnt find the address so they hit my account. Because of Covid-19 the courthouse has been closed and I also cant seem to get a hold of a lawyer or public defender to respond so yeah this is malicious as absolute XXXX. Ive kept all documentation.
Product: Credit card

Unfair Credit Reporting Practices by Capital One Despite Willingness to Pay in Full Complaint : I am writing to express my frustration and disappointment with Capital Ones handling of my account. My initial debt was {$300.00}, which I attempted to resolve through a settlement offer after filing a complaint with the XXXX XXXX XXXX. However, I have now decided to pay the full amount of {$480.00} to completely settle this matter. 

Unfortunately, when I reached out to Capital One to discuss my options, I was treated dismissively by their representatives. They informed me that even if I pay the full amount, my account will still be reported to the credit bureaus as charged off, regardless of my efforts to fully satisfy the debt. This refusal to reflect my payment accurately is not only unfair but is also causing me severe emotional distress. 

I have been working tirelessly to rebuild my credit because I am in urgent need of both a car and a house. However, Capital Ones unwillingness to report my account as paid in full or to consider removing the account entirely from my credit report is severely hindering my progress. I feel as though I am being punished, despite my willingness to fulfill my financial obligations in good faith. 

This experience has taken a significant toll on my mental health, leaving me anxious and worried about my future. I feel trapped in a situation where my efforts to make things right are not being recognized or respected. It is disheartening that Capital One treats customers like me, who are trying to resolve their debts responsibly, with such disregard. 

Thank you for your attention to this matter. I hope the CFPB can assist in addressing this issue fairly.
Product: Credit card or prepaid card

I sent in a total of XXXX dollars to XXXX XXXX XXXX XXXX, better known as First Progress Credit Company. I sent in the XXXX dollars about two years ago to get my credit resestablished for a secured Credit Card to XXXX XXXX XXXX XXXX. I just recently closed my account with XXXX First Progress Company on XX/XX/2023. I faxed my letter to close my account and give me my XXXX dollars back on XX/XX/2023. I have called the customer service number every week since XX/XX/2023 asking to have my money to be expedited to be sent to me and as of today, I have no REFUND OF MY MONEY. EVERY TIME I CALL THE CUSTOMER SERVICE DEPARTMENT THEY JERK ME AROUND AND LIE TO ME!! AS TO WHEN I WILL RECEIVE MY MONEYBACK. I am tired of the dishonesty and the lying to me the consumer. I need my money back AS SOON AS POSSIBLE, this is a total FRAUDULENT COMPANY HOLDING ON TO MY MONEY. I watnt this rectified AS SOON AS POSSIBLE!!
Product: Credit reporting or other personal consumer reports

REGIONAL MANAGEMENT reported an inquiry on my consumer report without fully disclosing to me on our initial communication that such report will be made. they also failed to provide me with the option to opt out of my information being shared.
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies XXXX, XXXX and Experian are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS XXXX Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off my credit report.
Product: Checking or savings account

I noticed a charge from my checking account for {$110.00} on XX/XX/2022 that had a memo business registration. While I did start an LLC through the city government page, I did not remember a charge for {$110.00}. Upon further investigation, this charge was unauthorized and was supposedly for an EIN number for the business. EIN numbers are a free service provided by the government, however I did not need any in number and did not apply for one as I am a sole business owner with no employees. I looked into this charge and this company is fraudulent. They provided a fake EIN number to Chase to show them that they provided a service. However there is no EIN number and it clearly shows that on the Florida small business website. They provided a fake document to Chase and Chase never bothered researching it. I have disputed this through Chase, however they denied it and took the money back. I have since called back and tried to reopen the claim, but they refuse. They have allowed someone to take {$110.00} from my account without authorization. They claim that because they have my name and the name of the business, that I would have had to fill it out. All of this information is public on the Florida small business website. It is obviously easy for them to see when people start a new business and pull that information off. If you go to sunbiz.org, click on search records, and look for either my name, XXXX XXXX, or business name XXXX at XXXX 's, you will clearly see there is no EIN number attached to this business. The business you will look under is the one that is active. There is an inactive business in this site from years ago. The current one will show you EIN number does not exist. This company charged my account without my permission or knowledge and did not supply a legitimate EIN number nor was one needed or requested.
Product: Debt collection

CFPB case XXXX Contacted XXXX XXXX XXXX prior using CFPB. I in turn got a responses from the group. They came to terms erasing my late payments and contacted me to make payments. No live communication was made, as they left a voicemail on my device while on XXXX. I am still on XXXX and gave my wife power of attorney. When contacted to try to get payment sorted out, they would not disclose information to her ; and I reached out to them, they had no idea of the repayment in their systems. We've left multiple calls to the woman who reached out to us, and have not received a live call back with information to pay. I have already been given a late payment message due to no payment. I would very much like to get synchrony bank out of my life.
Product: Checking or savings account

I have completed the offer described on this website : XXXX XXXX   XXXX XXXX   XXXX When I called Capital One, they claimed that I didn't qualify because the {$50000.00} deposit was " not all at once ''. After I said that this was not in the promotion language, I was told I didn't qualify anyway. 

I asked to be transferred to a manager, who proceeded to bully me into accepting {$100.00}. I made it clear that I'll accept the {$100.00} as a gesture of goodwill, but that I need the remaining {$400.00}, and I will be filing a complaint to that effect.
Product: Vehicle loan or lease

On XXXX of current 2020 I made Big Payments to my Car Loan on multiple transactions that added up would equal {$11000.00}. The reason being to bring my car loan down to up to 10 Months payments in order to work with my bank towards the process to purchasing a house. Those payments were received and posted on my Car Loan at Hyundai Motor Finance USA. I called several times about discrepancy on what I actually owe ( principal balance {$3300.00} ) versus my payoff balance that is reflected on Hyundai Motor Finance ( {$12000.00} ). I haven't received an email or call from Hyundai about this matter, but I have being calling and speaking with customer service about this to clear it up. This has been going on since XXXX until today XX/XX/2020, my problem has not yet been fixed. I had spoken to a supervisor in customer service, and they acknowledged that the company back in XXXX had a mayor software upgrade that might have affected my payments being in the cloud. They told me they would get it fixed within 3 to 5 business days, and today after 2 weeks I am still in the same spot, nobody has an answer for me.
Product: Mortgage

Homebidge Financial Services and XXXX are my mortgage service company. I have made all my payments on time and those payments posted to my account summary and the last payment for XX/XX/2020 posted on XX/XX/2020, and 3 days later I received an email from Cenlar telling me I am in FORBEARANCE. I never asked to be in forbearance. The website has forbearance information on the Mortgage account page which does not allow you to advance to your account without clicking on the CLICK HERE section, I clicked it so that I could get to my account and make a payment and 3 days later I received a forbearance email so I called XXXX the only number available and they began to give me the runaround, telling me that they will get someone to fix it, put me on hold for hours at a time then disconnecting me. I have been calling them since XX/XX/XXXX to fix this issue and each time they say/do the same thing. They say " Please hold while I get someone to fix this issue '' then they put me on hold, they come back after about 15 min and say " Please continue holding '' then put me on hold again and this goes on for hours EVERY DAY. They have been sending me letters saying if I do not make my payment or fill out the forbearance paperwork that my house will go into foreclosure. Each time I call them I tell them I never asked for the forbearance and I want them to fix it, take it off of my mortgage and put my payments back on my mortgage. Today I was told by XXXX employee # XXXX ( probably fake name and # ) that she is going to put in the notes that I asked them to remove my mortgage payments so that my account will be delinquent, I told her that is a fraud and she said that is what she is going to do then she put me on hold and disconnected me.
Product: Mortgage

My family and I are waiting for a response from Nation Star regarding the two payments for XXXX and XXXX, also why were we told the modifications was rejected because we rejected it when in fact we did no such thing. Why XXXX in XXXX may or may not what's going on with an account but those in XXXX do or vice versa. Please see this ongoing sega as I will upload documents from XXXX. We are still sent tax collections and told to pay them by Nation Star tax statements.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am reaching out to address a matter concerning my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ).

Recently, I became aware that a charge off on my credit report is considered a certificate of indebtedness, which in turn is regarded as income and must be removed from my credit report. This issue pertains to the reporting of transaction history, and I believe it violates the FCRA, specifically outlined i

n 15 USC 6802 through 15 USC 6805. Given this circumstance, I am formally exercising my right to opt out of any and all authorizations, whether written, unwritten verbal, or nonverbal, that I may have previously given. It is imperative that my personal information is handled in accord
ance with my preferences and in adherence to federal guidelines, as mandated by the FCRA.

Additionally, I kindly request clarification or a summary of the provisions detailed in 15 USC 6805 for my reference and understanding. Your assistance in providing this information would be greatly appreciated.

Furthermore, I kindly request acknowledgment of receipt of this opt-out request and prompt action to rectify the reporting discrepancy on my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was born in XXXX and in XXXX when i was XX/XX/XXXX years old i lived with my mother and siblings in XXXX XXXX NOT on XXXX XXXX yet i have a eviction on my credit report i would like it removed as well as the following names that i have never been known as such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. None of those names have ever been used by myself i also have no relation to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, please remove all this information from my report it is false information and dont want to have things i never did or used effecting me and my life its had a negative impact and i couldnt figure out why til now. Thank you have a blessed day
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020 I contacted Barclays Card to report fraudulent activity on my account. The company reversed the unauthorized charges but failed to remove the late payment they reported on XX/XX/2020. I tried contacting them recently to try and get this corrected, however customer services informs me that they are unable to go back past 12 months on my account ; therefore unable to investigate the late payment. Im contacting this agency for assistance in getting this late charge removed from my credit report.
Product: Debt collection

NCB Management is reporting a negative balance of {$4900.00} debt on my credit reports which doesn't belong to me,, first day reported XX/XX/2017, I've never opened or had an an account with them.
Product: Credit reporting or other personal consumer reports

Victim OF Identity Theft please remove account XXXX XXXX XXXX and Credit Coll. Never received supporting documents regarding open account. Sent documents XXXXXXXX XXXX and XXXX never sent supporting contract. No action were taking from credit bureau.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

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

Over the summer my Identity was stolen and as a result several accounts are on my credit report that shouldnt be. I am disputing these and have already tried to do it through Equifax but they are still on my report. Please remove these as they are affecting my abilities to buy a home.
Product: Credit reporting or other personal consumer reports

On XXXX I received my consumer report and notice some unauthorized accounts reporting to my credit file. I have gone through ID theft for several years. This time my personal info was a part of a data breach with XXXX. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Accounts unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. 
In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it  was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. 
I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.
Product: Mortgage

PHH mortgage is not helping me, I have tried working things out with them but they are very difficult to deal with, I fear I will lose my house to them. Please Help!!!! 

I was given a loan modification during pandemic, since I had lost my job due to COVID, I couldn't pay my mortgage trial payment and this turned out to be a disaster ever since, I later got to know that PHH was giving out trial payment extensions but they never called me to give me the trial payment extension. 

Now I have been trying to get a loan modification again through them but they say that my property value has increased and they can't give me another loan modification, I request you to please help me, I am ok with the same terms that were approved last time, Now my business is doing well and I will be able to make regular mortgage payments.
Product: Debt collection

I am writing to file a formal complaint against CCS regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I found an inaccurate late payment from XXXX that was reported to XXXX, Transunion, XXXX XX/XX/2019. I was never late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account dates back to XXXX. Around 8 years ago. This was not my vehicle, this was my boyfriends vehicle. On top of that, the car is being reported as a repossession. This car was sold to another individual however no one was ever notified of the vehicle being sold or given any information prior or after the car was sold. Further more this was never my debt, I never agreed to be financially responsible for the vehicle. This debt has been reported improperly now for over and over for more than 8 years. The last time this inaccurate debt was reported on my credit reports was just in XX/XX/XXXX. Just a few weeks ago, this is incredibly damaging to my credit and has hurt me over and over when trying to obtain credit. I have pleaded with this creditor over and over asking them to prove that I owe this debt or to rightfully remove it from my credit and they have never once provided any proof however they decline to properly prove the debt or remove it.
Product: Credit card or prepaid card

After receiving phone calls from numerous credit card companies/banks about charges and noticing some missing items at the end of  XXXX , I went to check my accounts thoroughly and noticed fraudulent charges. My bank in Oklahoma was able to find a name of someone that did the charges and we filed a police report. It has been found that a person I  may  know has done this. There are actual cards missing. I have charges from Barclay from  XXXX  and charges from  XXXX  by  Barclay   from   XXXX   XXXX  The credit card fraud team at  Barclay  has been very unwilling to work with me as a customer. Other credit card companies/banks have gone over backward to help me and provide steps to getting this taken care of. These other companies resolved issues already and helped me to file an identity theft report to credit bureaus. Barclaycard continues to beat around the  bush  and say they have not received my faxes. I have sen t four faxes   over  the last six weeks.  They are switching my story around and saying a girlfriend stole from me. I did not have a girlfriend and stuff was stolen from my wallet. They continue to twist the story to make me feel like this is my fault. I call once a week and it is always the same response, " we have not received anything, call back next week. '' I recently spoke with a supervisor, who told me he would be calling the officer and never did. He tried to hassle me and put words in my mouth about the story, which was very frustrating. He also claimed they receive hundreds of faxes a day so he did not understand not getting mine. Once again, they tried to act like it was my fault they have not received the faxes when I have confirmations that they did. All of the representatives at  Barclaycard  try to intimidate me and make me feel like the whole situation is my fa ult. One r epresentative told me to mail in my police report but if they did not recieve it, they would try to dig up the faxes, insinuating they had the faxed police reports somewhere. On   XXXX   XXXX  , they told me they have received an incident report, which is not a police report. It was a police report, it has a case number and details from the investigating officer. The officer working on my case tried to call them to explain it was a police report and they left him on hold  for 45 minutes  at the fraud department.
Product: Credit reporting or other personal consumer reports

Numerous times money was sent to the wrong person through the XXXX app with my Bank of America account