23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/22 I filed a complaint ( XXXX ). During BofA 's review of my complaint, they called and left a message that was so garbled it could not be understood. I still have the recording. I could tell by caller ID that the call was from BofA, but if you call that number back it requires you to enter a valid 6 digit extension or it hangs up. There are no options for a directory or operator or any type of assistance. That's a convenient way to say they called and left a message, but that I didn't call back. Then my complaint closed with the message that I had been provided a response and " You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. ". I was NOT provided a response. I called the number listed many times to ask where the correspondence was sent ( email or postal mail ) and to request it be resent. The call always went immediately to voicemail, no matter what time I called. I left 4 messages ( and called many more times than that ). BofA is demonstrating the same ethics in managing the complaint as they did in the original issue that caused the complaint. Without a response- with with no willingness to respond, it shows they continue to they operate unethically and seek to hide their business practices.They would not respond to my complaint publicly, nor to me specifically. I still hold that they are guilty of my initial complaint, and absence a response, they demonstrate that guilt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXXSecured Reported Date XX/XX/2023 I am in need of help because I am being harassed by a debt collector
Product: Student loan

I had NO say in the loan that my school got for me for the XXXX   exam. It was a {$15000.00} loan and NOW after making years and years of payments, my loan is {$18000.00}!!!!!!!!!!!!!! 

They don't apply money to my principal, rather they keep applying it to interest. I will NEVER be able to pay this loan off at this rate. I have already paid {$15000.00} in interest alone. 

So basically I paid the entire amount of my loan in interest and I now owe a whole new {$19000.00}.
Product: Debt collection

Back in XX/XX/XXXX i was sent a letter from a company called " XXXX ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was Springleaf Financial ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with XXXX citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my XXXX report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from XXXX, i also got a letter last week from a company called " XXXX '' who claim they manage the account with XXXX. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company XXXX advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
Product: Debt collection

I had a mortgage with XXXX XXXX XXXX ( 1st loan # XXXX and 2nd loan # XXXX ) and requested for Mortgage Assistance ( RMA ) for modification back in XX/XX/XXXX from XXXX XXXX XXXX ( Making Home Affordable Program ). My application for modification program was received by XXXX successfully and was in processing when XXXX XXXX XXXX transferred my loan modification to XXXX XXXX XXXX. I received letter on XX/XX/XXXX from XXXX that modification review was completed and on XX/XX/XXXX I received " Executed Loan Modification Agreement '' for both loans 1st and 2nd. Now, after 5 years I have been harassed by Radius Global Solutions on behalf of XXXX XXXX trying to collect the second loan in the amount of {$86000.00}, which was part of executed loan modification that was successfully processed by XXXX. I told them several times, emailed all of my modification papers from XXXX showing that there is no outstanding balance and that both loans ( 1st and 2nd with XXXX ) were modified under now new loan number that I have been paying on time since. I need CFPB assistance to stop Radius Global Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, Tel : XXXX ) from constantly harassing me to collect {$86000.00}, under REF # XXXX, Dept description : Servicer XXXX XXXX, Account XXXX. 

I have never had any loans with XXXX XXXX nor with XXXX, ever. I am not sure where and how they both my information from and harassing me non-stop to collect " outstanding debt '' that I DO NOT OWE. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We had noticed that our Macy 's card was past due, and we have been greatly affected by coronavirus. As soon as we realized that it was past due, we reached out to Macys. Around XX/XX/XXXX, my wife called Macys Store Card customer support to pay off the credit card that we had past due. They had proceeded to inform her that my account was only 37 days past due and that the late payment would not be reported to the credit agency. 

Later in the month, I received a notification from my XXXX XXXX saying that I was 60 days past due. I was surprised because my wife made me aware of the situation and that everything should be fine considering that the account was only 30 days past due. I called Macy 's myself and I was told that I was actually 60 days past due and that they could not remove the report from my credit, even though my wife was misled by the representative on the phone about the actual status of my account. 

In addition to that the agents I spoke to admitted that someone that was not on my account should not have been provided information about my account and should not have been providing information about my account status. Not only did Macy 's store card customer service provide information to an unauthorized party, they provided incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX XXXX., ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Money transfer, virtual currency, or money service

I previously completed a complaint but I wasn't sure it made it to you correctly and I just wanted to make sure you received all attachments. What I'm sending now is when I applied with Maryland 's XXXX XXXX XXXX XXXX. I have to send the whole packet to you because for some reason I'm not able to send you just the necessary pages. My previous ID # is XXXX. Thanks
Product: Student loan

I am on an income based repayment plan with ACS. In XXXX, I missed a payment which resulted in late fees of {$100.00}. I have now paid a late fee of {$100.00} every single month since XX/XX/XXXX. ACS never notified me of the late fee amount, so initially I assumed that the amount was being broken down over several months. After 3 years of a continuous late fee payment, i decided to inquire about an accounting, i.e. how much was my initial fee, how much have I paid on it and how much was still due.
Turns out, when an account is in IBR, ACS applies all overpayment of the due amount to interest first and then late fees. Since my interest is always over {$100.00} of the late fee, they effectively created a system in which there is not a way for me to pay the late fee. My continuous additional payments of {$100.00} are creating a windfall for ACS that flies in the face of the intent of IBR.
After a lengthy discussing with the supervisor 's supervisor, I asked if for one month I could pay the current due, plus the accrued interest, plus the late fee if that would take care of the late fee. I was told that it would but only if i pay on the day that interest accrues. I intend to do this. However, this seems like a clear violation of IBR that amount to defrauding student loan borrowers. It seems highly unlikely that I am the only one this happened to and should be investigated in depth.
Product: Credit card

My account was closed on XX/XX/year>. I received suspicious emails regarding the closure of my accounts. I responded to email explaining I never received information via phone call or mailed letter and Ill be forwarding the email to the fraud department as I assumed the email was fraud. The following day I received a email saying the account was closed without an investigation! I assumed the email was fraud because fraud and account hacking is at an All time high and I never received notification when logging into my bank! 

I think who ever checked the email closed my account without thorough investigation and prejudice and I need a further investigation! 


The following day, all my credit cards were closed, and the following month, my bank accounts were also closed. My accounts have always been in good standing. I have never had any overdrafts with Capital One Bank and have always made timely payments with my credit card company. They inquired about my cash deposits. As a XXXX XXXX, most of my clients pay in cash. I am a XXXX XXXX  and part of my work involves traveling. I have never engaged in fraud or overdrafts and have always maintained my accounts in good standing. The closure of my accounts has negatively impacted my credit score. I am unable to open a bank account or obtain a credit card anywhere, and I have been unable to find any information regarding the reasons for the termination of my accounts. I have checked the XXXX XXXX and XXXX, but found no relevant information. This situation is significantly affecting my life. Without a debit or credit card, I am unable to carry out essential tasks. As a single mother with no surviving parents, I worked hard to achieve what i have accomplished and Now, everything I have worked hard for is being taken away from me without any explanation or fair attempt to resolve issue. I feel like I am being discriminated against. And i want a fair attempt on resolving this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. XXXX, XXXX and Experian are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Per The FCRA as a Federally Protected Consumer, I am Opting Out of any and all Authorizations that I The Consumer may have given you written, unwritten, or verbal, and non-verbal. The law says it is Illegal to report XXXX history. 
Per 15 USC 6801-6805, PER 16CFR313, Per the Privacy Act 1974
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint regarding a deeply troubling and discriminatory experience with Capital One that resulted in my account being unjustly closed and a significant amount of my funds being mishandled. 

Incident Summary On XX/XX/XXXX, I deposited {$31000.00} into my XXXX XXXX account from my Capital One 360 Checking account ( ending in XXXX ) without issue. A week later, on XX/XX/XXXX and XX/XX/XXXX, I attempted to transfer {$50000.00} from the same account to my XXXX brokerage account, only to have the transfer blocked. 

I was contacted by Capital One under the pretext of a fraud investigation. After providing proof that the funds were legitimate and legally mine, the explanation changed. A manager informed me that Capital Ones policy prohibits sending funds to an investment brokerage account. Despite my questions about this vague and confusing policy, my account was subsequently closed without a valid explanation. 

Blatant Discrimination During a follow-up call with a different representative, I sought clarification on why this was happening. I directly asked, Is this because XXXX XXXX? Do you assume this is drug money? To my shock, the representative confirmed with a yes. 

This response was not only offensive and discriminatory but a clear violation of my civil rights. I am confident that a review of Capital Ones call transcripts from XX/XX/XXXX to XX/XX/XXXX will confirm this appalling statement and demonstrate the discriminatory treatment I endured. 

Missing and Mishandled Funds Additionally, my {$50000.00} transfer was blocked and reversed under the claim of fraud. However, Capital One has no record of where those funds went, despite a female manager assuring me that the transfer was rejected and stopped. I have not received a satisfactory explanation or documentation to confirm the status of this transfer. 

Meanwhile, the other {$50000.00} was eventually moved to a different bank, but I remain unable to account for the funds that were supposedly returned to XXXX. This inconsistency and lack of transparency is highly concerning. 

Legal and Regulatory Concerns Capital Ones actions may constitute violations of several federal laws, including but not limited to : The Equal Credit Opportunity Act ( ECOA ) Prohibiting discrimination based on race in any aspect of a credit transaction.

The Civil Rights Act ( Title VI ) Prohibiting discrimination in programs receiving federal financial assistance. 
Anti-Money Laundering Regulations ( AML ) Which require clarity and documentation for any transaction deemed suspicious or rejected. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX, I financed the purchase of a couch financed through Fortiva from XXXX XXXX XXXX furniture for almost {$1400.00}. The couch wasn't delivered to me until XXXX. Upon receipt of the couch, it was the wrong couch. The customer service department told me to keep the couch and they would arrange an exchange. XXXX 's brought the wrong couch to me 5 times between XXXX and XXXX. However I kept making monthly payments on the couch. In XXXX, XXXX XXXX came took the couch because they didn't have the color I ordered in stock. 

I attempted to get the money back from Fortiva that I paid on the couch for a total of {$1600.00} but they would only give me a credit. In XXXX, I used the credit of {$1600.00} to purchase another couch that was {$1800.00}. I am more than willing to pay the difference but Fortiva is stating that I owe {$2000.00} and I don't. I have tried to resolve this matter several times with Fortiva to no avail.
Product: Credit reporting or other personal consumer reports

Experian has a creditor showing an account in collections for me in a state NC that I have never lived, or will ever live in. It is for a utility company, I have been in XXXX  for last XXXX years. Before that I was in XXXX I will sue them under FCRA for maximum allowable legal limits, but their reporting is inaccurate, which is the reason for my complaint. I have no accounts in collections and havent had any in over a decade. I disputed it through their proper channels, but they have left it on my report.
Product: Credit card

Hi cfpb, I am not responsible for this debt to Home Depot, why is it on my report? I never had a credit card with Home Depot, my husband and his son did in 2007 and my husband closed the account due to his son not paying for this card like he said he would. His son should be held responsible for it not my husband who is legally XXXX in 2007 and had to close this account. 
I never signed anything with Home Depot or anyone else for that credit card. Not mine and should be removed from my report. Thank you.
Product: Credit reporting, credit repair services, 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. 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 furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX legal department has lied and misstated facts and deceptively missused law to commit fraud and defraud me. I paid for my home na XX/XX/XXXX to XX/XX/XXXX. 
XXXX stole that money from me for a year. XXXX never paid for XXXX until XX/XX/1923 and only to cover their criminal tracks. 
XXXX knows the escrow was canceled in writing to amc XX/XX/XXXX and XXXX XX/XX/XXXX. But they continued it maliciously. Then lied here about the facts and admitted it was canceled in XXXX while also claiming it was ok to bill until XXXX as shown on my Experian file. 
I have repeatedly asked them to PROVE payment to my ins. They misstate the facts, trick me, misuse the law and 3 day cancelation, lie and get away with it. 
They stole my escrow money. They NEVER stopped escrow. They never paid ins XXXX to XX/XX/XXXX. They lied here. They lie to my credit bureaus. They cant claim they paid for something that they didnt. They cant claim it was a mistake. They admit to knowing I canceled all escrow and billed me anyway. 

This is only a repeat complaint because the company keeps lying to trick us into thinking they did not intentionally with malice evil mind keep the escrow money from me for a year. 

They lied and said that two months of interest on an escrow is XXXX $ but 7 months is XXXX XXXX PROVE IT CRIMINAL. show your math lier. 

These are sophisticated attorneys and math people who are using lies untrue facts and omissions and deception and misstating the law and misusing the law to deceive and getting a pat on the back by the federal government for doing it. There is no hope for people in this country. There is no consequence for corporate greed and deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a severe security breach " in XX/XX/XXXX '' where all confidential information was leaked. This was only disclosed on XX/XX/XXXX and XX/XX/XXXX. The data leaked is sufficient to destroy my and hundreds of millions of customers credit and lives.
Information disclosed included address and address history, SSN, DOB, etc.
Product: Credit card or prepaid card

I was robbed of all my possessions and my American Express card is one of the items stolen from me. I filed a police report with XXXX Virginia police department. I have contacted American Express in more then one occasion seeking to have all fraudalent charges removed from my account. I have no access to the account online. To this date the account has not been resolved.