23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was behind on my car note with capital one around XXXX 2016 or so. I was about 2 months behind or so. I called capital one & ask if I could defer a payment, I worked mostly on commission so my income had dropped drastically. The agent at capital one said there is no deferment program, the agent said there is a fresh start program for me. I believe I owed capital one about $ XXXX- {$1100.00} which was the total of 2months behind & the payment that was due for the month. The agent said we can enroll you in the fresh start program the past due amount goes down by XXXX % to {$730.00} & they gave me another 2weeks or so to make the payment. The next 3 payments after that goes up XXXX % more which was, I believe about {$570.00} or $ XXXX month. My regular car note was $ XXXX month. They told me by doing this, my credit report will not show late, by agreeing to the fresh start program my account will be current. That was the only reason I agreed to the program. I did not like the fact that for 3months I had to pay XXXX % more each month instead of paying my regular car note {$390.00} I was paying {$570.00} but I said as long as it shows no late, that ok. Then just by chance I happen to check my credit report to my complete & utter shock, it showed late for 2months. I called capital one, I said you have reported me late for 2months when I was in your fresh start program, you told me you would not report me late. I spoke with a agent & a manager on the phone, they looked at everything & they said the fresh start is too work out a payment plan, it still will show late, I told the reps at capital one, I was deceived, they fooled & tricked me into getting into this program. Why is it called the fresh start program? It is a misrepresentation & a attempt to deceive. There is no fresh start here, if they would have told me my credit would be damaged, I would have came up with the extra {$300.00} to {$400.00} needed to get caught back up & then just pay my {$390.00} a month. I could not believe that they would say one thing & then do another. I felt like the facts was totally misrepresented here & it was not explain so I could understand it. It was very confusing, there is no way the least sophiscated consumer understands what they are signing up for. Please look into this. Thank you
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises serious concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, Thank You.
Product: Credit reporting

I have XXXX accounts from XXXX XXXX XXXX reporting on my Equifax credit file. After numerous disputes, I have received no resolution. I informed them that I have an open investigation with the CFPB - case # XXXX andthey advised me to file a complaint with the CFPB.
Product: Student loan

Hello, My student loans were purchased by the loaner servicer called ACS Education Services, then soon after they changed their name to Conduent. I have been trying repeatedly to make my loan payment but their website says it it temporarily unavailable and has been like this for a week and their phone number is out of service. I have never missed a payment or been late in almost 17 years. Now I can not make my payment because I can not get in touch with the ACS/Conduent company that is supposed to be my loan servicer. Online there are thousands of people with this same problem. Please help resolve this situation before my and many other peoples credit scores are damaged through the incompetence of this company. Thank you, XXXX XXXX
Product: Checking or savings account

Bank OZK on XXXX XXXX XXXX Extension in XXXX, Georgia, charged my non-profit checking account a monthly {$12.00} fee, labeling it " Commercial Online. '' I was charged this fee on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. for eleven times for a total sum of {$130.00}. 

Bank OZK charged me {$130.00} in total, and I feel this doesn't seem right and it is an abusive practice to the consumer. 

If you can't help me, please at least change the notification system so the consumer receives a letter in the mail and email and an explicit notification on the daily report and monthly bank statement so consumers are clearly informed and understand the source of the charge. 

The corporate headquarters in Arkansas told me falsely in a recorded call that I was charged this fee because I had less than {$1000.00} in my checking account, which was true for that account but not correct in total, as I have other accounts with that bank. 

When I called the local branch, I was again told the same thing falsely : I was charged this fee because I had less than {$1000.00} in that account. 

I wrote an emotional letter, gave it to and met with the new branch manager, and informed her that I was not given appropriate notice regarding what this fee was for, and I just realized it was a charge by my bank. I thought it was something else but did not associate " Commercial Online '' with a bank fee. 

The manager stated that I was charged this fee because I had given access to my temporary bookkeeper for the few days she worked for me and had yet to remove her access. I vaguely remember giving her access, but had forgotten all about this, and I never realized there was a fee associated with the few days she had access, or otherwise. 

If this fee had been clearly stated to be a " Bank Service Fee '' or something to adequately inform me about the fee, I could have taken prompt action to call to inquire about it and stop it. 

I have a high credit score in the high XXXX and watch my checking accounts daily. I did not understand where this fee was coming from, and I had no telephone number to call. 

I previously canceled insurance on my phone because I did not know what the bill was, and I did not want to make that mistake again. I should not have been charged this fee. 

I have seen other fees by various companies on my bank statement that needed to be clarified about their source, and the consumer needs better protection. 

As a separate issue, before companies automatically bill without warning for online purchases, there should be advance notice so the consumer can cancel the service without incurring a new charge. We are in a whole new world with online transactions. 

Overall, I have a very good relationship with Bank OZK, and they with me, but Bank OZK needs to handle this situation appropriately. Please investigate for me. Thank you.
Product: Debt collection

I received a debt collection on my credit from XXXX saying i owe {$1200.00}. But ive never had a phone from XXXX in my name. My phone has always been in my mom and dads names.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$46000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

Midland Credit Management , Inc. has aggressively and illegally continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2021 I contacted Experian to inquire about several inquiries placed on my credit report. I spoke with a rep who looked into the inquires and discovered they were fraudulent. The rep also discovered a credit card had been open in my name from XXXX XXXX XXXX. The rep indicated she would dispute inquiries and fraudulent accounts. She also indicated she would place a fraud alert on my report and I would be contacted if someone attempts to open credit. The fraud alert was placed and the other XXXX bureaus were notified. On XX/XX/XXXX I was notified again through my credit alerts two more accounts were opened on my credit report. This time it was a company called XXXX. The company had opened an installment loan as well as a credit card. I immediately called Experian and notified them that this was fraud. I explained to the rep that a fraud alert had been placed on my credit profile. I also explained that no one had called to verify anything and that accounts were opened without my knowledge or consent. The rep said he would dispute accounts and I would hear back. Fast forward to the first week of XXXX after not hearing back from Experian for almost close to 30 days they claim to have verified accounts that were opened without my consent in which they had a fraud alert and I was never contacted about opening any accounts. I contacted them yet again and rep said they would dispute it again. On today XXXX XXXX, 2021 I was notified that the accounts were verified again. Experian did not investigate this matter. Experian dropped the ball by allowing accounts to be opened with out verifying my identity prior. Experian is attempting to cover up there mistake but making these accounts valid when they are not. Please take action immediately.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax, XXXX and XXXX about unauthorized credit inquiries on my credit file. I have not benefited from any of these unrecognized credit inquiries. I have filed a complaint with the FTC and received a report number.
Product: Prepaid card

Purchased a visa gift card for my colleague at work and when he tried to use it they said it was already used. The manager at XXXX took it out of a sealed box when I purchased it. Vanilla visa and XXXX denied the claims
Product: Mortgage

Good Afternoon, Loan # XXXX My name is XXXX XXXX XXXX and my mortgage company is Ocwen Loan Servicing , LLC . I am in the process of short sale on my property, XXXX XXXX XXXX, XXXX, MD XXXX. My mortgage company scheduled a foreclosure date on XXXX XXXX, 2016, after my documents were forwarded. All literature that was forwarded indicates that there is a thirty day time frame allotted for the short sale process. 
They have a short sale scheduled for XXXX XXXX, 2016 but the documentation deadline was XXXX XXXX, 2016. I faxed my documentation prior to XXXX XXXX, 2016, therefore, the turn around time should be XXXX XXXX, 2016. 
My real estate broker is XXXX XXXX of XXXX XXXX and his contact number is XXXX and my title attorney is XXXX XXXX of XXXX XXXX and her contact number is XXXX. My broker and title agent have been trying move forward on the short sale, however, Ocwen seems more interested in foreclosing on the property. The property is on XXXX and there is an offer on the property but Ocwen is not counter offering, there is no BPO being done, nothing. 
My contact number is XXXX and I appreciate any assistance that you can offer regarding my situation. I know time is of the essence and I have been utilizing all my resources. My hope, counselor ( XXXX XXXX ) suggested that I reach out to you regarding this matter. 

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

I sent a validation letter XX/XX/year>. 

National Credit Adjusters LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for Speedy Cash I am writing in response to your recent letter dated XX/XX/year>, regarding the verification of the account referenced to Speedy Cash. I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the loan in question or provide concrete evidence linking me to this account. I remain unaware of any association with XXXX XXXX, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

XXXX has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, XXXX Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a certified letter/return requested was sent to Equifax concerning late payments by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, under 15 U.S C. 1681i ( b ) and 15U.S. Code 1681I ( 5 ) concerning the account in violation not reporting 100 % accurate. 
Equifax failed to do a proper investigation into both times when the letters were sent concerning this matter, and didn't respond within the XXXX  days allowed by the FCRA rules. 
" once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do it's own reasonable investigation. A reasonable investigation under FCRA & 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. 
This item was never investigated within a timely matter, nor was anything sent to me to show what and how they investigated
Product: Checking or savings account

I opened a new Navy Federal Credit Union account at Navy Federal XXXX XXXX XXXX, XXXX, Tx XXXX this has been the branch that I have used on multiple occasions since opening the account. I had a XXXX XXXX on Sunday XX/XX/year> which extended until XX/XX/year>. On Tuesday I went into a new branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX to make a withdrawal and was service by an extremely rude bank teller. I gave her my id she proceeded to ask me questions such as what did I need money for, she also asked a racially discriminating question which was why does a person like me have random money in my account without having a job or direct deposit. I was completely in shock and embarrassed in front numerous customers at this point. The banker proceeded to now question the validity of my drivers license even after scanning it in the system. The bank teller then tells me that the photo on the drivers license is not me, which in fact it is! except on the license I had blonde hair. I advised the banker that this is the same identification I used to open the account and have also used for various transactions. The bank proceeded to embarrass me in front of bank customers and told me she will not allow me access to my funds and also she advised that I needed to bring in other form of identity. I have requested Navy Federal to remove the restrictions on my account immediately I need access to my money now! I have contacted customer service and have not received any assistance at all. This is my absolute last resort in trying to resolve this matter directly with the bank before reaching out to legal counsel. I am requested that the restriction on this account be removed immediately or for this account to be closed and you can mail me a check for the remaining balance on my account.
Product: Credit reporting or other personal consumer reports

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, The XXXX XXXX XXXX wrote the debt off on their taxes and received a profit 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 
FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
12 CFR 1006.34c, Notice For Validations Of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am exercising my rights under the FDCPA to request the following information : XXXX. The Purchase Assignment Agreement XXXX. XXXX XXXX XXXX is authorized to collect on behalf of the XXXX XXXX XXXX XXXX 
XXXX. Profit/Loss Statement of XXXX XXXX. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Proof that XXXX XXXX XXXX XXXX XXXX  securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX XXXX to the Secured Trust and then back to XXXX XXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX ( & ) XXXX XXXX XXXX XXXX XXXX The amount paid to purchase this debt from XXXX XXXX XXXX XXXX 
XXXX. The XXXX, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXThis Is Inaccurate InformationXXXX 
XXXX. The Account is reporting as A Charge Off, and as Past Due, but no no actual payment amount, and open. How can this account be reporting as past due, and open and charged off, without a scheduled payment, no date of last payment, and a date of delinquency of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am demanding that XXXX XXXX XXXX " DO NOT '' send me a printed computer generated itemized statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX