23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from XXXX with Key 2 Recovery on XX/XX/XXXX concerning a collection account with XXXX XXXX from XX/XX/XXXX XXXX {$1400.00}. I informed her that I did n't have any debts with XXXX XXXX and am not familiar with any debts from there that I owe. I told her the statute of limitations have run out for such a debt that I do n't even owe from XX/XX/XXXX. XXXX asked if I was going to pay the debt and I informed her, no, because it 's not my debt and she hung up on me. After the call, I did n't receive any additional contact by phone or mail ( never received anything by mail ). Fast-forward to XX/XX/XXXX I receive a credit alert from XXXX XXXX as it relates to XXXX indicting I have an open collection dated XX/XX/XXXX from Key 2 Recovery Inc., and reported XX/XX/XXXX for a debt owed to XXXX XXXX in the amount of {$1400.00}. How could I have had an " open '' collection in XX/XX/XXXX? The debt was so old, that I was wondering why a collection agency was attempting to collect a debt that was over 17 years old that I knew I no longer owed and when they purchased the debt at that time it was their duty to do their due diligence. The reason I do n't owe or have such a debt is because it was discharged XX/XX/XXXX in Case Number XXXX under Chapter XXXX ( filed under my maiden name ) on Schedule F, Creditor # XXXX i/a/o {$1400.00} the exact amount Key 2 Recovery has reported on my credit report as a derogatory collection. How can a collection agency attempt to collect after bankruptcy and report a derogatory collection on my account after all these years on an account that was clearly discharged, stale, time-barred, not re-aged, and no documentation provided that the debt was valid? Having a collection account can jeopardize my job as a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX as I 'm not able to have " bad credit '' and collections. 

This appears to be unfair collection practice as this company clearly ignored that this debt was no longer owed and did not validate the debt they clearly purchased over 15 years later, and they falsely reported to the Credit Bureau which can jeopardize my career.
Product: Debt collection

Violation of the FCRA Transactions is excluded from a consumer report Account number : XXXX XXXX The following U.S . Codes were violated against me : 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) 15 U.S. Code 1681n ( b ) 15 U.S. Code 1681i ( 6 ) I demand the late payment statuses be removed and account remain closed with PAID status updated.
Product: Credit card or prepaid card

The proper option was not provided. Nor Other Option. 

It so happens I applied although hesitant for a Best Buy Managed by Citi Bank. And within seconds I was literally told a decision will be mailed to you. I have the option to email my decision. I was so infuriated I made countless calls on Friday XX/XX/2020, minutes after. Calling the Credit Card Status was not an option as my Social Security was not recognized. I call Best Buy Customer Service, was transferred to a live person right away. Well, the individual blatantly told me my decision was not based on my Credit Score. But income. And I will receive a letter via mail. 
I stated that was discrimination because Im on XXXX. 

This morning XX/XX/2020 I receive a PDF without a Password. Attachment included. I call the number later on in the afternoon. Also Screenshot of all included. 
I explained to representative about the email without a password as the fact I was discriminated due to my income. 
She transfers me over to her Supervisor XXXX. This was all from my cell phone XXXX. 

She rarely let me talk. Talked over me and told me the reason for denial was because my rent was XXXX $ for and my income is close to XXXX $ per yr. Income was not enough. 
I said I applied for a Home Depot Card and was accepted. She replies! Yeah. And your rent income was not put in. If it were, it would have been denied. Im looking at your application right now. 
I stated, first off. I did not fill out the application at Home Depot. I told him ( The Associate who processed Application ) I paid XXXX . My son and I go half and half on bills.. 
I filled out the Best Buy Application va internet. Why would I lie? 
She said! Well. You do not make enough income for a credit card. This is a Federal Law That was signed by Obama. Anyone making XXXX or less should not be approved. Really? 

I told her. So explain to me this. I have a secure credit card~ a Home Depot Card.~ pay half water ~ light~ Cable ~ XXXX Prescription Insurance premium. Which I make payments on. 

She said! And the Home Depot would have been denied. It had XXXX income. There you go CFPB ... Youd think with XXXX income on rent you would get a credit card? 
No.. 
I tried calling Corporate Office Liason. But waited for close to two hours and hung up. Given to me by the screenshot with XXXX area code. 

I want them to remove that Hard copy inquiry which hurts my credit. Stays for 2 years. 
All I wanted was to purchase a printer. 

This is full-blown XXXX discrimination due to financial status. Not to mention, my credit score came down a couple of notches ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Equifax had deleted XXXX a long time ago and now it is back on my Credit Report. I have requested them to delete this from my Credit Report because according to Fair Debt Credit Practice Act, Statue of Limitation in N.C. to collect a debt for an open account in the State of N.C. is 3 years and these accounts are over 3 years old. I also requested them to delete XXXX as pertaining to the Fair Debt Credit Practice Act, because this is over 5 years old. XXXX. all 4 accounts in which 3 have been paid and these should be removed from Credit Report because I have a payment arrangement with XXXX which XXXX did not report. I have also requested them to delete University XXXX pertaining to the Fair Debt Credit Practice Act, this is over 4 years old. Thank you in advance for your help with these matters.
Product: Prepaid card

I have been trying to have this discrepancy addressed for over a year now, can someone please look into this? 

I have done everything as asked and returned all requested information to comply and resolve this issue to get my money back, but yet to no avail. 

Ticket number XXXX is STILL OPEN and there is still a balance of {$530.00} that I was told that was returned to my Vanilla gift card XXXX exp. XX/XX/30, which is now an invalid card or number to be used. 

This seems to be a mistake because ONLY {$180.00} was on the card! 

How do I go about getting my balance of {$350.00} which SHOULD BE ON THE CARD, but isnt?? 

Will a check be issued in place of the card replenishment of the {$350.00}?
Product: Checking or savings account

Over the past year, I have been charged an excessive amount of overdraft fees. When I called to complain, the bank stated that if changed its internal system to process the account and show availability funds only at the time when the transaction is settled. Formerly, the bank used to process payments at the time of authorization, which would seem more appropriate given our real-time processing environment today. For example, I showed an available balance at XXXX for {$220.00} this morning. I checked my balance at XXXX and now have a balance of {$20.00}, as I was charged a {$100.00} in overdraft fees.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my XXXX XXXX XXXX Capital One has cited technical issues. which violates the EFTA ( electronic fund transfer act ) as it requires a timely access to the funds. This issue is very serious and raises concerns about consumer protection laws. I request your assistance investigating this matter to ensure my rights are upheld. Thank you! Funds XXXX XXXX issue from XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XX/XX/XXXX to run an inquiry on my credit report. This appears to be fraudulent.
Product: Credit card or prepaid card

On early XX/XX/2020, I made a service agreement with a contractor for some upgrades to my property and charged {$17000.00} to my Bank of America credit card via an access check. On XX/XX/XXXX the contractor defaulted a refused to continue working on my property starting that he's unable to complete the task due to Covid-19 and refused to return my unused money. Immediately, I opened a claim with Bank of America for a resolution. Subsequently, Bank of America requested multiple documents for their review which were submitted within the time frame. After five months of weekly calling, Bank of America denied my claim stating that I placed the claim more than 60 days of the transaction. Due to this, I lost time seeking legal action because the financial institution I've been using for more than 20 years took more than 5 months to respond to a claim they could respond in two weeks. Is this fair? The Bank failed to represent me, failed in the attempt to get my money and frankly I think they didn't even bother to attempt an reach-out to the other party. Is it reasonable for one of America 's biggest bank to take advantage of lesser individual? Doesn't the Bank carry insurance? What about all the service fee they charge?
Product: Mortgage

Yesterday, XX/XX/2023, I received an email from my mortgage holder, Mr. Cooper, stating that I was automatically enrolled in a new program, XXXX, that provides financial advisory services. The email stated : " We've teamed up with XXXX to give you access to their powerful, wealth-building tool. With XXXX, you can set financial goals, run equity simulations, and learn how to use your home to build wealth. Its already connected to your Mr. Cooper account. No set-up needed. Just sign in and take it for a spin. We think youll love it. '' I never approved or requested to be enrolled in XXXX. I do not want or approve to have any services attached to my mortgage account. There was no information on the email on how to unenroll or reach XXXX. After a lot of effort, I finally reached a Mr. Cooper customer service rep by phone and explained that I wanted to unenroll from XXXX. She said she had no way to do that after spending some time researching the situation. She said I could do that from my own online account. I went online and established an online account with Mr. Cooper. There was no way identified that I could unenroll from XXXX. I clicked on the XXXX button to see if I could unenroll from there and they indicated my mortgage account was now linked to XXXX. And again there was no way to unenroll from XXXX. I am very concerned that Mr. Cooper added XXXX to my mortgage account without my approval and there is no identifiable way to remove XXXX. I do not approve of any of my mortgage information to be shared with XXXX or 3rd parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of fraudulent activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>. ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit card or prepaid card

The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

I have spent countless hours on the phone with Santander regarding the servicing of my mortgage, which I attempted to remove from Forbearance. Due to a " coding error '' on their part and a subsequent mistake in the timing of the forbearance deferral I am now in default of my current home mortgage purchase, which will need to be delayed by two months. I am in contract and the deposit is currently in escrow. 

I have taken every possible measure to correct this mistake and have other loans which I have successfully removed from forbearance, so this is the only mortgage servicer with which I have encountered such difficulty. Emails have been ignored and phone calls from specialists were never returned as promised. 

The sheer number of hours I have spent over the past 2 months without a resolution amounts to gross negligence given how clearly I have explained the problem without an attempted resolution or explanation on their part and I would like to be compensated for my time and/or monetary damages incurred.
Product: Credit reporting or other personal consumer reports

XXXX writing to formally request the removal of certain accounts from my credit report due to inaccuracies and discrepancies. Under the Fair Credit Reporting Act ( FCRA ), it si mandatory for al XXXX XXXX XXXX ot report accurate and verified information. Thsi requirement includes ensuring that accounts are correctly reported and consistent XXXX al credit bureaus. 
Upon reviewing my recent credit report, I have identified that some accounts are not matching or are incorrectly reported when compared ot other credit bureaus. According ot the FCRA, if an account is not verified and consistently reported across al credit reporting agencies, ti should not remain on my credit report. 
XXXX that you immediately investigate and rectify these discrepancies. fI the accounts can not be verified as accurate and consistent across all credit reporting agencies, I demand their removal from my credit report. 
Please provide a written response within 30 days from the date of this letter confirming the actions taken or provide me with an explanation fi the accounts are to remain on my report. 
Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

Before I applied for this loan, it was advertised that if I log into the mobile app everyday that I will not be charged a membership fee. It says thats the fee is usually {$29.00} a month but for logging in everyday the fee will me {$0.00} a month. After contacting customer service, I was told another story that was never explained before accepting this me loan. Once I reached out, I was told that I would be charged my loan payment every pay date and then a {$36.00} membership fee that will apply {$50.00} a month to my investment account, leaving the remaining {$29.00} to go towards my membership fee but logging into the app each day actually just makes it so that a dollar a day goes towards that same investment account instead of me paying {$0.00} for a membership fee as it advertised. I would have never known this information if I never reached out to the company about this so I feel as though this was very deceptive. I was told that there was nothing they could do because since I have the loan Im obligated to pay these fees until the loan is paid in full but I would have never agreed to this loan if I had the correct details in the first place. I have the screenshots that show how the loan is actually advertised but nowhere does it break down the actual process of the loan and the fees the way the agent I spoke with broke it down to me. It literally just says the membership fee is {$0.00} a month if you log in to the account every day, which I did. Ive never felt so deceived by a loan company in my life and even when speaking with the agent that explained it to me, he also agreed with me that the website does not accurately explain the way the loan really works so to me it seems like a very shady way to get people to get stuck into the the loan and have these fees come out of their checking accounts every single paycheck, thinking that the process would be different.
Product: Credit card

Hello, I purchased some HVAC ( furnace / air-conditioner ) equipment from a business in Iowa. After the equipment arrived and was signed for I removed the boxes for it. Upon inspection I noticed the furnace was bent, and sent some pictures to a furnace technician. They said not to use it. 

After a long fight with Bank of America 's credit card division, they released payment for it, stating that I signed and received it. The XXXX attorneys I spoke to said my credit card should not release payment. I am trying to find an attorney to take the case.
Product: Consumer Loan

I had an auto lease account with GMAC that was included in Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX. GMAC is continuing to report this account derogatory on my credit report every month to this day. When I contacted GMAC I was told they will continue to report the account derogatory regardless of it being included in Bankruptcy for 10 years from the date the bankruptcy was discharged. I would like the CFPB to help me to get GMAC to operate within the confines of the Fair Credit Reporting act and to stop reporting this account as derogatory, and further to take all of the derogatory remarks off of my credit report from the time the bankruptcy was discharged XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 120 90 60 30 30 OK OK OK 60 30 30 30 30 30 120 90 60 30 30 30 30 30 30 30 30 OK 30 120 90 60 30 30 OK OK 60 30 30 30 30 30 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

i AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS EXPERIAN AND XXXX AS WELL AS XXXX NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.
Product: Debt collection

I had a line of credit with care credit through Synchrony bank. That line if credit was paid off in full and the account was closed. 

Approximately one year later, Synchrony bank sent me an email for a past due amount. I called them and explained that my account was paid off in full and closed. Synchrony bank informed me that they will take care of the problem and close my account. 

About a month ago I started receiving more emails from them for a a past due account. I emailed them stating that was not my account. Even though I received a response, I still kept getting calls. I called them back again and explained the situation, and was told for a third time that the problem will be taken care of. 

Now they put a delinquent account notice on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank has late payments on my credit report ( consumer report ) that shouldn't be there. 

I contacted Wells Fargo on XX/XX/2022 disputing the negative items on my credit report. They responded on XX/XX/2022. In this response they have not validated the negative items that they've place on my credit report. They have not provided any contractual document bearing my signature. Also, they did not disclose their verification methods and who they contacted to verify the account information that I'm disputing. Below is a list of a few laws that they've violated. I've also attached proof of their response to me. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681a subsection 2 - Exclusions : states that the term " consumer report '' doesn't include a report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-