23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

To Whom It May Concern, I am writing to address an issue regarding a recent check deposit to my account that has resulted in the account being placed on hold. The check, issued by a company, was flagged by the bank as potentially fraudulent due to the systems inability to recognize it. It is important to note that the check originated from the same bank where both the issuer and I hold accounts. 

Upon reviewing the transaction, it is clear that a withdrawal was made, and the deposit was processed. This raises a question : if the system could not recognize the check, how was the transaction successfully completed? When this was brought to the banks attention, no clear explanation was provided. Further investigation indicated that the issue was related to the name on the check ; however, the name corresponds to an authorized account holder, making this explanation seem unfounded. 

I would like to reiterate that there is no illicit or fraudulent activity associated with this transaction. Therefore, I respectfully request a thorough review of this matter and a prompt resolution, as there appears to be no valid reason for the check to be flagged or the account to be put on hold. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Debt collection

Never received anything about this until I got a paper to go to court. It came under the name XXXX XXXX. I never opened up this account. So I went to court and Disputed And explained the situation to them how its not my account it was obviously open up fraudulently. Im requesting validity of the A breakdown of the charges, which I have the right to request by law. The court say theyre going to contact their liaison over there and get me the information never receive anything. Ive disputed it several times with the court also contacted the agency. The collection agency is Resurgent capital services. The representatives are so rude They tell me its in Theyre legal department and they cant handle it and then when they transfer me to legal no one ever picks up the line. Ive left messages. No one calls me back. Ive spoke to representatives And have been told that they were going to have someone from that department call me back And never get a callback. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 years old Because we own the account. But yet they cant give me any information and keep sending me somewhere where I cant get anybody on the line?? Also, they ended up changing the name On the account to me. The Name on the account was XXXX XXXX. How Can they take it upon themselves to change the Name to my first? The whole entire matter is fraudulent!
Product: Credit card

I have received two cards this week one from XXXXXXXX XXXX. I called them. They wanted me to open the account to for it to be closed. Sounds like a scam to me the supervisor then hung up on me. I would not send a copy of the credit card to them I also received, a card from Netspend I have not called them yet because I dont wan na have to spend two hours on the phone to go nowhere. I dont know whats going on. I do not wan na go online because I did not order it to me. These are both scams. Theyre trying to get something from me, I just want the accounts closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2022 i written up a letter to XXXX, Equifax and XXXX about some fraudulent items i found in my credit report. I sent those letters certified mail and they were delivered to the credit bureaus on XX/XX/2022. In the letter i stated that i wanted validation of the accounts and asked for them to provide me with the following information : Pay off Disclosure, Interest Rate Disclosure, Balance History, Payment History, Credit Insurance, How the information was verified, and Include verification of the contract with my WET SIGNATURE. I also stated in my letter that i wanted all the requested information to be send back to my home address that i have provided for them. I am aware under federal law that i have to give them 30 days to investigate and for them to provide me with the validation i requested, if they do not do so i have rights for the fraudulent items to be removed from my credit report. On XX/XX/2022 Equifax sent me a letter only stating that they needed to verify my information because i indicated fraudulent items on my credit report. I called Equifax on XX/XX/2022 and spoke to a representative named XXXX and she was able to verify my information and provided me with a confirmation number. She also told me that my dispute with them was started XX/XX/2022. On XX/XX/2022 Equifax completed the dispute and only provided me with a credit report of only updated information saying verified accounts and provided me nothing of the information i requested from them to validate my accounts. Now with XXXX my same letter of validation was delivered to XXXX XX/XX/2022, they emailed me XX/XX/2022 of only my credit report stating only updated information to the fraudulent accounts and completed my case and provided me with none of the information i requested from them as well. With XXXX i also sent them a validation letter for the fraudulent accounts and was delivered XX/XX/2022, they responded with a letter on XX/XX/2022 with only information about their investigation procedure, what i can do, and what more i can do to protect my info. Then on XX/XX/2022, they sent me a letter basically stating that the investigation was complete and only sent me investigation results stating they updated the information on the accounts and only stated that my accounts were verified. They provided me none of the information i requested in my validation letter and closed my case. I have put credit freezes on my credit and also activated identity theft on my credit and filed an identity theft report. I dont know what else i have to do to get them to remove or complete a proper validation of the accounts with information i requested from the bureaus. All the credit bureaus responded saying either the accounts were verified or they updated information and thats not what i requested from them in my letters. At this point i am very upset that the credit bureaus could not validate those fraudulent accounts properly as i requested and continue to report it on my credit and i was them removed ASAP.
Product: Credit reporting or other personal consumer reports

I received an alert of a collection account that I have no knowledge of. I immediately began freezing my credit reports. 
Experians website would not allow me to log in. I received an error message stating that I was locked out and should call the number on the screen for assistance ( photo attached ).

When I called the number, a man answered and stated that I never completed my account set up and would have to complete the setup to get a password. He stated that I should go to sign up and create the account. I attempted that but received an error message stating that my email address is associated with an account. I called back and a lady answered giggling in the background. She hung up without saying anything. I called back and I keep getting the automated system. The system refused to transfer you to a person and hangs up on you. 
I dont know what is going on. I appears that Experian is holding my credit report information hostage and avoiding communication with consumers. Im concerned about what is on my report and cant even access it.
Product: Student loan

While processing my XXXX re-certification for income-driven payments, FedLoan Servicing improperly capitalized nearly {$50000.00} of interest on my student loans. 

I submitted my annual re-certification application on XXXX XXXX, XXXX, and when FedLoan was not acting on it, again on XXXX XXXX, XXXX -- one application requesting to continue the same IBR plan and the other requesting the lowest payment option. I then received notice that my loans were placed on the standard repayment plan and, corresponding to that, a bill for thousands of dollars. After a series of phone calls and correspondence trying to figure out what was going on and none of the representatives understanding the issue either, my accounts were placed on some kind of administrative forbearance ( and this has happened in previous years, as FedLoan has routinely botched my annual re-certification process ). Later, I found out that because of that forbearance, almost {$50000.00} was capitalized on my loans.
After a number of inquiries and demands for reversal or explanation, I received an email from FedLoan on XXXX XXXX, XXXX, acknowledging that " ... a review of your interest capitalization has been submitted on your account. Please allow up to 7-10 business days for processing. '' That was 7 months ago and I have not heard anything since.
Product: Credit card

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Account # XXXX CFPB CASE NUMBER XXXX Respond not fair enough Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accounts And maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the major credit reporting agencies. 
Although I made a late payment on XXXX XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payments I am requesting deleted and / or removed occurred on XXXX XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
I am keep sending request until get fair resolution Sincerely XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Care Credit / Synchrony Bank I am writing to express my concern about a recent interest charge of {$2900.00} applied to my loan. This charge was unexpected, and I was not notified about it beforehand. There was no detailed explanation of this charge and the reason for the lack of communication. 
The loan amount was for {$5500.00} it was about to be paid off there was only {$1000.00} left to pay. 

I would appreciate it if you could review this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received approval for a {$500.00} installment loan from Evergreen. I made the first few payments in XX/XX/XXXX, then on XX/XX/XXXX entered into a contract with XXXX XXXX XXXX to assist with settling a few pay day loans. 

Evergreen received a Cease and Desist order and a Power of Attorney from XXXX XXXX XXXX  on XX/XX/XXXX, but still processed the payment and have not ceased contacting me regarding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing currently reports a foreclosure for a trade line that has no foreclosure event.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely trying to collect a debt that is not mine. 
Bi law they have 30 to inform me before they take negative actions against me I am showing a court document which is public record that I was sent aced to XXXX  XXXX on XX/XX/XXXX. So all those paper your showing going to a po box fraud. I was sitting in XXXX  since XX/XX/XXXX. And I didnt owe no debt then. I have requested numerous of time for proof what they mail me is two pieces of papers with my name an amount and a po box address .. this company is falsely causing pain and suffering.. I have tried to tell them nimberous of times I have been in XXXX  so show me proof and if there was any proof they would have taken civil actions agains me since I was in a XXXX XXXX  and could not move. I am a XXXX veteran and these two fraudelent reports are causing me extra hardship that is unlawful and violates the fair report credit act they have no proof of perchisas they didnt timely report me 30 days prior to taking actions agains and lastly they didnt file a civil order before the statue of limitations please remove these negative remarks before I file charges of fraud and before I file a lawsuit against you for messing with my live and causing me suffering
Product: Debt collection

This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to XXXX XXXX XXXX XXXX without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists
Product: Debt collection

Debt for {$860.00} placed on all 3 credit Bureaus. I did not receive notice of debt.
Product: Credit card or prepaid card

I was issued a US Bank Relia Card several weeks ago with a $ XXXXn balance. Two weeks later there was a balance listed on the card, I then activated the card. Today XX/XX/2020 I attempted to use the card at both an ATM machine and a credit union. The card was rejected/declined both times. I have been trying to call the company all day and the wait time lasts for hours or the system will disconnect you so that the call can not be successfully completed.
Product: Debt collection

I wrote about this years ago and it was never resolved. Since then about a letter every few weeks just keeps coming.
Product: Credit card or prepaid card

I paid my account in full on XX/XX/2018. The amount paid was {$110.00}. I apparently did not even owe this amount. The payment was never posted and I thought I still owed a balance so I made another payment of {$25.00} on XX/XX/2018. The total balance I actually owed was {$110.00} - minus the late fee I already disputed, brought my balance to {$81.00}. I stated to them I had paid on time and my bank shows the payment was in fact processed. They reversed the late fee, and now have posted the second payment of {$25.00}, however the first payment of {$110.00} has still not been posted. I faxed and emailed the proof of payment to them. They state it is going to take up to 2 billing cycles to rectify the missing payment - in the meantime they still expect me to keep making payments. They now show my account still owes {$10.00} of a payment and the rest of the balance due. ( And the payment is late according to them. ) Due to the " late '' payment they could potentially report that to the credit company, as non-compliance. I do not wish to keep sending a payment to a company for a balance I do not owe, when in fact, they owe me. My account is now paid twice over, as the outstanding balance is only {$56.00} and I have an outstanding payment not posted for {$110.00}.

I would like to charge them interest. It seems like a fair option. They would be charging me if I had not made the payment. They charge me interest monthly, and in fact lowered my credit limit, stating that they based it on my credit history with OTHER lenders. I have a good payment history with them and pay off my bill every couple of months. I also make double payments on all my other credit cards.

I just want them to post the payment that I have proven I made. Post it in a timely manner, They have cashed the payment, and thus are collecting interest on the money I supplied to them. I want my money back, with interest. I also do not wish to wait for them to issue a refund via check when they get around to it - if they can take the payment electronically - they should be able to refund my over-payment in the same method,
Product: Credit reporting or other personal consumer reports

Its a hard inquiry on my credit report that doesnt belongs to me.
Product: Debt collection

Midland Funding is attempting to serve me with papers regarding a lawsuit they intend to bring on me for a debt I owed, and they purchased from, XXXX XXXX. The credit card was charged off by XXXX in the amount of {$3400.00}, in XX/XX/XXXX. I had no idea they sold the debt to a collection agency as I received no notices from Midland. I received a phone call from a process server on XX/XX/XXXX telling me they were looking for me to serve me papers, and the man told me he would be by my house later in the evening to serve me. He never showed up. 

The next day on XX/XX/XXXX, I took a look at my credit report and tried to figure out who would be trying to serve me and for what reason. From looking at my credit report, I can see that Midland must have purchased this debt from XXXX in XX/XX/XXXX. However, I only just now became aware that Midland inserted themselves in this matter because of what I saw on my credit report, so I called Midland to ask if they were the ones trying to serve me. Midland confirmed they are trying to bring suit against me, and I asked them why I hadn't received any notices in the mail before it had gotten to this point. The man on the recorded line admitted that they had a " bad address '' for me, as well as a " bad phone number '' for me, then read me the address he had, and it was off by 1 number. I told him I was not the one that furnished this " bad address '' to them, as my business was with XXXX, not Midland, and I assured him that XXXX   DID have my correct address, as I did receive communications from them previously. The representative at Midland told me now that this had been taken to the extent of a lawsuit, there was mot much he could do in negotiating a settlement. 

I believe this to be unfair, as I never received notices from Midland and I know that had I received them, I would have had an opportunity to settle this amount for a lot less and not deal with a lawsuit. I'm not disputing the debt itself, I'm disputing the way they are going about this. They admitted they didn't have the correct address or phone number for me. And how would they not have my correct address or phone number to contact me regarding the debt, but they had it to give to the process server to attempt to serve me papers? Something isn't adding up here and I want my fair opportunity to settle this debt as anyone else would have had the opportunity if they were at a correct address or phone number.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$220.00} Cash payment at the Target Store in XXXX, MN towards my Target Redcard Store Credit Card. Its long been Targets custom to apply the payment right away when its paid in cash as thats likely the quickest tender to do so with. When the payment didnt show up on my account a few hours later I figured they might be having some system issue and waited until the next day to contact Target Customer Service XXXX 
The next day on Wednesday, XX/XX/XXXX at XXXX AM CT I called Customer Service to inquire about my payment and why its not in my account. I was connected to a Target Service Rep who informed me it now takes 24 hours for cash payments to show up and apply to your account and with that I asked if this was a new policy, to which he responded sort of. 
The Target customer service representative informed me that the payment would show up later on in the early evening CT as I had made the payment that prior day during the evening at Target. I just left it at that and said thank you and ended the call. I checked my Target Credit Card account again this evening the XXXX of XXXX about XXXX PM CT and it has still not been updated to show my cash payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXX RESPONSE TO XXXX XXXX RESPONSE ON CFPB RESPONSE TO DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company Amcol contacted me about a debt I wasn't aware I had. After they contacted me, I paid the debt within 30 days but it was still put on my credit which is should not have been. The debt is listed as paid on my report but with my paying the debt within 30 days of them notifying me, it should not be on my credit at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX