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

I tried to contact my bank about this fraud on my account. I didnt receive a text or an alert to stop this transaction. It was during the holidays my phone was lost then found and it doesnt have a code on it. My amount was charged back and is now in negative. I dont have any money because it seems like my account is always overdrawn. I took my money and sent it to another account
Product: Credit card

XX/XX/2023 - Initiated a payment via XXXXXXXX XXXX to Citi Bank. By mistake, I paid {$9000.00} instead of {$1000.00}. 
XX/XX/2023 - {$9000.00} withdrawn from bank account by billpayer XX/XX/2023 - Over payment {$9000.00} posted to Citi Cards XX/XX/2023 - Called Citi Cards to request an overpayment refund. Was told I could get a refund check in 2-3 week. I escalated the call to a supervisor and was told I could get a refund to my bank via EFT in 2-3 days XX/XX/2023 - No refund. Called Citi Cards & was told it would take another 2- 3 days. 
XX/XX/2023 - Call to request a refund again - was told it was in a supervisors hands to approve in the next 2 days. 
In no case did any customer service representative indicate that it would take this long for a refund. In every case they followed a script and lied about the status. No one from Citi Cards ever called to verify my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with XXXX XXXX for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by XXXX XXXX I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the XXXX XXXX XXXX Department. XXXX XXXX has also listed me in the XXXX XXXX under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my check system report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the check system. I will never do business with XXXX XXXX or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to XXXX XXXX. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.
Product: Student loan

XX/XX/XXXX began with FedLoans as my servicer. Contacted company multiple times to get information on when my monthly payment amount and qualifying payments would be determined. Was informed I needed to wait until XX/XX/XXXX to recertify unless I wanted my monthly payments to go up significantly.XX/XX/XXXX payment tracking began and my calculated qualifying payments were determined to be XXXX. This is half of what I have actually paid. FedLoans said I still had payments that were not figured into this and would be added in at a later date.
XX/XX/XXXX I began the recertification process to switch from IBR to REPAYE. The company gave me the option of paying a single payment on the standard repayment plan ( approximately {$3000.00} a month ) or a {$5.00} forbearance that also qualified. I paid the {$5.00} fee to recertify. A month later I received a bill for just under {$3000.00}.
XX/XX/XXXX I called the company back and they admitted they saw the {$5.00} I paid, but that it was never applied to anything. I again paid {$5.00} and was reassured that this time it would be done correctly and that the recertification would move forward. Almost two months later, I again received a bill for nearly {$3000.00} under the standard repayment plan which is not what I enrolled in.
on or around XX/XX/XXXX I called to find out why I was on the standard repayment plan. I was told that the XXXX $ forbearance request had never been processed and that it would now be processed. I was then told that I could not request another month of forbearance because it would ( somehow ) interfere with the processing of the {$5.00} fee. When I informed the representative I can not afford a {$3000.00} a month payment, she said not to worry because the credit agency is not notified of delinquency until 90 days of nonpayment. This to me is unacceptable.
During this entire period I have been accruing massive amounts of interest on my loans that capitalizes. Every time I call I get different information, and the person I talk to is quick to tell me that whoever I spoke with before had given me wrong information. I was also told it can take up to 90 days to process my recertification. I am now on month 5. All the while accruing about {$1000.00} in interest each month. I am on the verge of seeking legal action.
The purpose of doing this program was to have my loan balance forgiven after 10 years. With a monthly payment of almost {$3000.00}, I would have my entire balance paid in LESS than 10 years, so you can see that it makes NO SENSE to even switch to fedloans or do PSLF if I had the ability to make such payments.
Product: Debt collection

I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and Process Service Company to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and Process Service Company again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a united XXXX veteran, While in service my unit provided me with a commercial travel card from CITI back which they used to pay for the travel fights and for missions and training. 

This was a restricted card and was paid by the United States XXXX, Upon the XXXX transferring me to a new unit, My prior unit never handle the card pay for my last training mission or paid it late Because of the lack of someone in the past XXXX unit outside of my control forgetting to take care of this account because I was targeted to a new unit and was forgot about. 

I have disputed this account with the information above to the credit reporting agency as a business account that I am not responsible for. As well sent goodwill later asking for this to remove from my credit report because and this was a commercial account for the united states XXXX which I was not responsible for paying. They have denied all my good faith a temps
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntary surrendered my car to the finance company XXXX XXXX in XX/XX/XXXX. XXXX XXXX has since sold the car and has charged off the remaining balance. In XX/XX/XXXX XXXX XXXX sold my account to the third party. XXXX XXXX is still reporting this account on my credit reports. I have made numerous attempt to have XXXX XXXX stop reporting this on my credit report since they no longer are the owners of my account but they have refused to do so. 

My account number with XXXX XXXX is XXXX. Telephone number for XXXX   XXXX is XXXX
Product: Vehicle loan or lease

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Concern Regarding Threat of Repossession and Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally address the threat of repossession regarding my vehicle, XXXX XXXX XXXX XXXX as referenced in recent communications from your company. I am deeply concerned that your actions may be violating several provisions of federal law, specifically those outlined under 15 USC 1692f and 15 USC 6802. I would like to bring these matters to your attention and seek resolution.

1. Violation of 15 USC 1692f ( Fair Debt Collection Practices Act ) Under 15 USC 1692f, it is unlawful for any debt collector to engage in conduct that is unfair or unconscionable when collecting or attempting to collect a debt. Specifically, subsection ( 6 ) prohibits the threat to take actions that can not legally be taken, such as the unlawful repossession of a vehicle. 
Given the circumstances, I believe that the threat of repossession in this case XXXX not be warranted, as I have made good faith efforts to address my financial obligations. If your company continues to threaten repossession without a valid legal basis, it XXXX be in violation of the provisions of the Fair Debt Collection Practices Act. 

2. Violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) I also wish to raise concerns under 15 USC 6802, which pertains to the protection of personal information. As you are aware, any actions involving the collection of debts and repossession of vehicles must be conducted in a manner that protects my personal and financial information. If you have disclosed my personal data to third parties or taken actions that could jeopardize my privacy, this may constitute a violation of my rights under the Gramm-Leach-Bliley Act. Request for Clarification and Immediate Cease of Repossession Threat I respectfully request that you provide detailed clarification regarding the basis for the threat of repossession and any actions you have taken to ensure compliance with the above-mentioned federal laws. Furthermore, I ask that you cease any further threats of repossession until all legal requirements and consumer protections are fully met. Please provide me with a written response within 15 business days to avoid further escalation of this matter. Should this situation not be resolved amicably, I will have no choice but to explore all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Account : XXXX
Product: Payday loan, title loan, or personal loan

Explore credit is attempting to make multiple ACH from my bank account daily for different amounts. Two ACH withdrawals on a Friday followed by 3 ACH attempts on Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts on report are not mine. 

Certain accounts held have incorrect charges of purchases and interest has been raised, credit limit lowered though I am always on time and barely used much of the credit.
Product: Credit reporting 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 U.S.C 1681 FAIR COLLECTIONS & XXXX Equifax Credit report XXXX credit report. XXXX XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Mortgage

I've asked XXXX XXXX and XXXX XXXX in writing to stop emailing me several times. 

XXXX : XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX : XX/XX/2023 I told them I would report them but they continue to spam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX XXXXXX/XX/XXXX With mercury insurance. I have no clue. A few XXXX .. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ..XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN... ID XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and Experian XXXX Don't have these on my other buearous. This way to much. I was told I had a minor accident non fault on XX/XX/XXXX. It was not me. Now it's on my insurance. The insurance couldn't give me no information. NOW MY CAR INSURANCE IS HIGH. ON MY EXPERIAN.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have been a loyal customer of XXXX XXXX clothing for the last few years and have a credit card associated with XXXX XXXX ( and COMENITY BANK ) and the chain of online store brands they are a part of. When reviewing my XX/XX/XXXX statement, I noticed two charges that I did not make for XXXX The first was for some kind of 'pullover ' at XXXX XXXX  for {$90.00} and the second was a 'skirt ' at Woman Within for {$60.00}. I called XXXX XXXX Credit Card immediately ( early in XXXX after initially seeing these charges ) and reported the charges and asked to dispute them. I gave the information that was showing on my online XXXX XXXX account at the time ( an address and a name for delivery that were NOT MINE ). I was told this was being disputed and that I should receive an answer through the mail within 90 days. Late in XXXXXXXX- this month, I received a letter in the mail that was vague and just asked me if I agree to pay the charges and gave me an address where I could respond if I wanted. My order history was deleted from my online XXXX XXXX account immediately after reporting this in XXXX so I can not get that information and mail it to the given address even if I wanted to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with Experian, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.
Product: Student loan

I have ( had ) 3 student loans. Received email from Department of Education that they were scheduled to be discharged/forgiven after a waiting period that ended XX/XX/2023 for the IDR One Time Adjustment. Two of the loans have been wiped out but one still remains. Department of Education points me to servicer, servicer points me to Department of Ed. Trying to find out why this last loan remains when all 3 of them went into repayment on the same date and have made payments made toward them at them same time throughout. I should have no loans remaining. 

( I would file this complaint against the Department of Education, but they are not listed. I have contacted them and filed a complaint via their website, but those as a rule go unanswered, as I have an open complaint from over a year ago. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries do not belong to me .... 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB STATEMENT Im writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am writing to dispute the fraudulent items from my credit report. This account that is listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Checking or savings account

Capital One offered a {$500.00} bonus for depositing at least $ XXXX by XX/XX/XXXX. I met this requirement and they are now refusing to provide the bonus. The exact wording of the offer is as follows and mentions nothing about maintaining a balance of $ XXXX. I met the requirement through cumulative deposits of $ XXXX. Capital One can not change the terms of the agreement after the fact. 

" Open a XXXX XXXX XXXX account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.
Product: Payday loan, title loan, or personal loan

I bought a motorcycle approximately inXX/XX/XXXX. The interest rate is 27 %. The loan is secured with the motorcycle, a XXXX XXXX XXXX XXXX and a vehicle I already owned, a XXXX XXXX. The company, Springleaf Financial has changed their name to One Main Financial. In XXXX I had a very bad XXXX   incident and had a severe deterioration in my health, such that I could no longer safely operate the motorcycle. Subsequent to that my medical bills started to drastically accumulate and it became a matter of who do I pay? I stopped paying on the loan inXX/XX/XXXX, and asked the company to settle the loan. They demanded I supply them with comprehensive information about my income and creditors, and shortly thereafter a rejection ( titled Settle Meant, which made me question their competence ). As part of my offer I offered to turn over both vehicles as they were the security for the original loan. They flatly refused. 
I've been getting shifting stories from the company. Last week they told me the loan was for {$10000.00} and I still owed {$5000.00}. When I asked the lady how much total money I'd sent them she said {$5000.00}. I said you must mean principle, I'm asking how much total money including interest have I paid? She repeated {$5000.00}. That's not credible. At the time I offered a {$4000.00} settlement ( if I could find it ) and they accepted, but that was before they told me I'd paid {$5000.00} total on a 27 % loan. A rough back of the envelope calculation is $ XXXX/month, for 54 months, is over 13,000. I'm sure I missed payments from time to time and my calculations are rough, but I'm quite sure that the {$5000.00} figure is bogus. Yesterday I called and asked some questions. They told me the loan was started in XX/XX/XXXX, also not credible. I have a picture of myself on the motorcycle fromXX/XX/XXXX. They told me the original amount borrowed was {$7400.00}. 
I'll be interested to know what story they give your agency.
Product: Checking or savings account

XXXX Online Set up of {$2500.00} CD account seemed to complete normally. However, I received an email saying that the bank did not approve my new CD opening. I believe the bank may be trying to renege on the advertised rate by disallowing the new account. I asked for an explanation for the denial and was not answered. For the record I have many other CDs in several other banks all across the country. My credit score is over XXXX.