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

This was my Aunt 's bank account. My mother was her guardian until my mom passed in XX/XX/XXXX. I applied for guardianship of my Aunt after learning mom had passed.I live in a different state. However, while in court vying to become her guardian, her account was being emptied out by her temporary guardians. Written on the withdrawal slips were the words per court order. Also, my Aunt 's name was misspelled on 3 different occasions.Someone filled out the withdrawal slip using her name. This makes the Bank so negligent, as my Aunt didn't have Id, as she could n't drive & was in a XXXX. If, my Aunt could do banking, why did she need a court ordered guardian? These people did have temporary guardianship over her person only. They did not get full guardianship untilXX/XX/XXXX. However, the money was being taken from the date XX/XX/XXXX. Regardless they never had court approval for this bank account. The bank didn't even ask for a copy of the court order. It states they have a budget from the Court blocked account ; which is a different bank. No one even knew she had an account at this bank until she died in XX/XX/XXXX. I discovered it, when I became the Administrator of her account. I filed a complaint with the bank & also spoke to their Security Dept ( XXXX XXXX on XX/XX/XXXX ). The Bank is in violation of the bank secrecy act, and still did nothing, but swept it under the rug. The money was being withdrawn while they were being investigated by the court. Also, I had closed the PO BOX in XX/XX/XXXX, as it was in my mother 's name. The bank didn't even bother to check the address on the account.
Product: Debt collection

I consistently informed the collection agency the debt was not valid. I also requested validation of debt several times. It wasnt until months later they provided me with my lease agreement as well as a document that wasnt at all accurate. Since then I called the original creditor XXXX XXXX and requested my ledger which I will attach below, which not only validated my statements, and also provided fraudulent activity by management on my account. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called XXXX XXXX XXXX and changed my credit card payment date from the XXXX to the XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. 

Before making my XX/XX/XXXX credit card payment, I called XXXXXXXX XXXX XXXX on XX/XX/XXXX to make sure I understood when my XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. 

I discussed this with XXXX XXXX XXXX XXXX representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. 

I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXXXXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped 62 points with XXXX   and TransUnion + 45 points with XXXX. 

I called to discuss with XXXXXXXX XXXX XXXX because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " Mislead '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. 

I checked my XXXX and XXXX statements from XXXXXXXX XXXX XXXX which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. 

And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Product: Credit card or prepaid card

CAPITAL ONE FAILED TO FURNISH 1099-C FOR ALL MY ACCOUNTS WITH THEM AND WAITING FOR ALL DEBT CANCELLATIONS.
Product: Checking or savings account

Received a text msg on XX/XX/year> about my contact phone number is changed on my account. Tried to login thru mobile phone app and not able to login. Called customer support ( option 8 security ) and asked informed about the message. Account was restricted. Called almost every day about status ( other than once, SOFI never called back. On XX/XX/XXXX received an email that my account restriction has been lifted. Asked about account breach and never received an answer. Next day again account was restricted. Called today and after 12 minutes on phone, account restriction has been lifted. Still no answer about account breach
Product: Debt collection

FIA CARD SERVICES HAVE VIOLATED F.C.R.A.-FDCPA, UNLAWFULLY REINSERTING XXXX ACCOUNTS ONTO MY XXXX CREDIT PROFILE SEVERAL TIMES WITHOUT 5 DAY NOTICE TO CONSUMER.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularity in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have two fraudulent credit cards reporting on my credit report, XXXX  and XXXX  XXXX. 

I didnt give anyone permission to open these cards. I have the police report and FTC report. I have 8 fraudulent inquiries on my experian report and 5 on XXXX report. 15 USC 168
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attn XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my Equifax XXXX XXXX and XXXXcredit report. My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Aqua Finance has placed a lien on my property for a XXXX XXXX. This has been reported to CFPB before and was removed from my Credit report after filing a police report. The information in the contract that Aqua Finance provided me after finding out a lien was on my home at XXXX XXXX XXXX XXXX XXXX TX XXXX is incorrect. The contract states individual account and it list false information. XXXX XXXX XXXX is incorrect and it states he's retired military which is also incorrect because XXXX XXXX XXXX has never served in the military and received XXXX benefits. XXXX XXXX has me listed as an XXXX with 18 years of service. I'm in the XXXX XXXX and was recently promoted to XXXX in XX/XX/2020 and my time in service will be 18 years in XXXX. I have filed a complaint against this company before and it was remove from our credit report only to find out later that they have place a lien on my home. We never signed a contract and the signature on the contract doesn't belong to XXXX XXXX or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got a refi loan and my creit score dropped 38 points i have over XXXX XXXX credi available need restore me my score to XXXX score please responed to thise matter as soon as possible my soc # XXXX
Product: Credit card or prepaid card

I received a charge for annual fee and within 30 days of charge appearing on statement requested in writing to cancel the card and reverse the annual fee. Bank refused saying previous month 's statement informed me that I would be charged for the annual fee. I had not seen this on the prior month 's bill, as it wasn't actually a charge, and would have cancelled the card a few weeks earlier if I had. I'm attaching the bill where I received this " notice '' so that you can see it is not something that would jump out at the ordinary person paying bills. I have not used the card and do not intend to use the card and asked for the bank to cancel the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX Account # XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Our company bank accounts with BMO Harris Bank were all closed XX/XX/XXXX. I stopped into the branch to make sure that all accounts had {$0.00} balance and that cash balances were transferred to our new bank account with XXXX XXXX ( XXXX ). 

I have an email asking to confirm that all accounts are closed. 

Almost a year later, we received a call from a collection agency stating that our business credit card has a transaction that occurred that generated significant amount of interest. I thought the transaction was fraud and stopped by my local BMO branch to notify them. 

The branch stated that the BMO Business Credit Card was never closed by their employee and that a XXXX renewal membership of {$65.00} was ran on the card. I agreed that the XXXX membership is ours, but the card was supposed to be deactivated, making it impossible for any auto pay vendors to process it. 

I agree to pay the XXXX fee plus the interest to be done with it and then verified with them at the branch that it was paid in full and the account is closed. 

Today ( XX/XX/XXXX ) I received a call from a collection agency on behalf of BMO stating that we have an outstanding balance of {$460.00} due. 

This is ridiculous. I stopped by the branch again and asked them to waive the balance. They explained that the account is in fact closed, but I have to discuss the balance with the credit card company. I try calling the credit card company and it just ends the call. 

I am being run around in circles for accounts that we tried to close out almost two years ago. I am being punished on my credit report and with a collection agency because a BMO employee failed to do their job. I have made no purchases with these cards as they were shredded the same day we closed our accounts. We do not receive any paper statements in the mail from them because they will not update our new business mailing address and our online account with BMO is locked.
Product: Debt collection

{$90.00} REVCO SOLUTIONS XXXX is reporting fraud calms to my credit profile, never signed or ever done business with this company
Product: Debt collection

I have already contacted MCB about this debt. My ex-wife is responsible for this debt as she was given our house and business in our divorce. I refuse to pay this.
Product: Debt collection

Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a Word document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XXXX  showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.
Product: Mortgage

I have a mortgage with Statebridge Company ( NMLS ID # XXXX ). It is for a small condo in Florida where I live. The loan was originated by XXXX back in XX/XX/2003. My principle and interest payments are {$430.00} per month. Until last year, my escrow payments were about {$60.00} a month for taxes only. Since the property is a condo, the property insurance comes out of my HOA fees. Last year, Statebridge required I show them that I already have property insurance even though Florida Condo laws requires the HOA cover the structures. When I didn't provide proof fast enough, they forced insured me. Once they accepted my insurance certificate, they reimbursed my account. However, they haven't adjusted my escrow payment of {$280.00}. Their projection of my property taxes is {$64.00} which means they are collecting {$210.00} more than what is needed. 

I have tried to get them to adjust the amount but they won't respond. They also won't count my payments unless the entire amount including the escrow overpayment is included.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for a personal loan to consolidate debt at Well Fargo Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 Wells Fargo sent an e-mail stating ; " Thank you for your Wells Fargo Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to Wells Fargo getting the run around each time. I called XXXX  and requested a copy of my credit report and as of this writing I have not received a requested credit from XXXX. I have seen several gang members who seem to be cozy with Wells Fargo employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )
Product: Credit card

I had signed up for a subscription using my XXXX credit card. I closed the card, but the subscription charged again several months later. I tried to dispute, but XXXX sold its credit card line of business to another company. That new company did not acknowledge the dispute, and continued to bill me. I do not know who currently holds the debt, but it continues to show on my credit report. 

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Amount : {$300.00} Account name LVNV FUNDING LLC Account number XXXX Original creditor XXXX XXXX XXXX XXXX Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX.
Product: Credit card

Unfair Monthly Fee Imposed by Concora Credit Dear CFPB, I am writing to file a complaint against Concora Credit for imposing an unfair annual/monthly fee on my existing credit account. I have been a long-time customer of Concora Credit and have always made my payments on time. Recently, I received a letter notifying me of a new monthly fee of {$4.00}, which will be effective XXXX XXXX XXXX.

This fee is not only unfair but also a violation of my consumer rights. I did not agree to this fee when I opened my account, and there was no prior notice of this change in terms. Concora Credit 's actions are deceptive and demonstrate a disregard for their customers.

I am requesting the CFPB to investigate this matter and take appropriate action against Concora Credit. I believe that their actions are in violation of consumer protection laws and should not be tolerated. 
Thank you for your time and attention to this matter. 
Their contact information : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent lates reported on my report from a number of creditors that I have been in Forbearance with due to a financial hardship caused by COVID-19. I provided proof that I was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked XXXX to investigate and remove the late payment reporting that was wrongfully applied to my report. 30 days later I received an update that all of the payments were verified by the creditors. I called back and asked for the proof or documentation that differed from mine. 
The rep from XXXX simply told me it's " verified ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I contacted the XXXX  today XX/XX/2019and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the Experian. I am calling many time but nobody answered.. the only I need they check that information and remove thatThanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputed items remain on my credit report as of today XXXX XXXX. 
XXXX. XXXX XXXX XXXX shows a past due amount of {$180.00} and a balance of {$630.00} for XXXX and XXXX respectively. Attached is the car title dated by the state of Florida for XX/XX/XXXX supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. There are four duplicated Department of Education accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX loans were forgiven. Attached please see the documentation from XXXX that states that the loans are forgiven and as such should not appear on my credit report. This information was provided before and the loans were removed, however, they have now reappeared. 
3. In XXXX there are 9 hard pulls on my credit from 3 mortgage companies. Five from XXXX XXXX XXXX XXXX Two from XXXX Mortgage and two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed. 
4. XXXX XXXX XXXX card shows that it was opened in XX/XX/XXXX however that is inaccurate. The card was opened in XXXX and first used on XXXX. It is now over 7 years old and should be removed from my credit report.
Product: Debt collection

I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt