23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

First, I was on an IDR plan, REPAYE, and was automatically transitioned to the new SAVE plan without consent. MOHELA then made it impossible to make payments on my loan, placing the account into forebearance for 9 months now and failing to process income recertification for IDR plans or anything else electronically for months. Finally, they reopened the portal to submit income recertification electronically, but I submitted mine months ago with no response. So I am now coming up on 9 months of not being able to pay and 9 months of no payments qualifying for PSLF. I have only received confusing, general correspondence during that time and have no idea what my payment will be based on my income and when I will be able to resume payments.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Product: Checking or savings account

Capital one bank closed my account and did not send me the balance amount of {$4000.00}. 

They closed my account in XXXX, XXXX. It has been more than 3 months. I contacted them after every 10 to 15 days. Every time they promise that they ll send me the check in few days. Its so frustrating. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I need every cent of my money in this hard time. 
Please help me.
Product: Vehicle loan or lease

This auto loan has been paid in full since XX/XX/2024, I have the documentation to show it. I have called twice asking why it still shows as open and they have given dates as to when it will be posted to bureaus as closed PIF, these dates have come and gone. I have submitted documentation to all XXXX  bureaus and they have responded by saying they need updated information to come from Bridgecrest in order to update my report, meanwhile my score and report remain incorrect as if I have a XXXX balance when in actuality I don't owe a dime. It's paid for in FULL.
Product: Credit card or prepaid card

A XXXX XXXX XXXX XXXX employee allowed her boyfriend to enter my home when I wasnt home and steal my homedepot credit card and jewelry tools etc, after stealing the card he made several purchases with the card, I did not give him the card or authorize him to take the card, I did not authorize him to make purchases, he stole the card and used it to buy merchandise, I contacted the police and made a police report and contacted Home Depot as well to inform them and have the card discontinued so he could no longer use the card, he stole my identity and committed fraud, I filed a fraud report claim with Home Depot they have refused to accept the claim, in addition increased interest and finance charges, they have accused me of leaving the card out for the stealing and fraud, and informed me that my claim was not substantiated however the have video tapes and his signature and hers on purchases, as well as police reports. In addition they refused to issue me another card or give the access code on the stolen card so I could see the account information to take proper action, delaying my right to protect my self, Homedepot treated me as though I was the criminal and deserving and responsible for being a victim of identity theft and fraud.
Product: Debt collection

I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days days of XXXX, 2022, which is the date they received it [ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me.

3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.
Product: Debt collection

The company AmeriCollect Inc. had contacted me on XX/XX/XXXX stating that I " owed '' a past due account to them for XXXX XXXXXXXX XXXX XXXX. I disputed this with the company via mail. They then sent me a document with my name and an account number. I then contracted them again asking for proof and they stated that is all the proof they needed. Even when it was in dispute status they filed it against my credit. I then contacted them again asking for a itemized state for the bill and services provided to ensure this is true and accurate and mentioned that this was on my credit. They then placed it in dispute status again and told me they would remove it off my credit and send me the letter of proof on XX/XX/XXXX. That was not true I got a " bill '' with just an amount owed no proof that I owed or owned this bill. I then sent a dispute letter again on XX/XX/XXXX USPS mail tracking XXXX. After speaking to them today XX/XX/XXXX they said they didn't send it like they said they did and they were unsure if they would be able to remove it from my credit. I feel like they have lied and tried to scam me for unowned money.
Product: Checking or savings account

On Friday, XX/XX/year> at XXXX XXXX, I called Ally bank customer service to change my phone number on my account, since I could not log into my account due to phone verification for my old number. The first person I spoke with walked through the steps with me and confirmed my phone number change. Shortly after, I tried logging into my account on my web browser and on my phone, but the bank was still asking for my old number for verification. I called Ally bank again at XXXX XXXX, and a different agent told me that someone will call me within a day or two to change my number for me. Because I was given two different answers from two different agents, I called again at XXXX XXXX  to ask for a supervisor 's help. The supervisor asked me questions pulled from public record to verify my identity, and once that was done, she was able to change my number, and I was able to access my account. 

However, that same night, I tried logging into my account at XXXXXXXX XXXX, and both on the Ally app and my web browser, I was informed that online access to my account has been temporarily blocked. Each time I attempted to log in, I got an automated email from Ally Bank with the subject line " Your password change wasn't successful '', even though I made no attempt to change my password. 

Once again, I called Ally customer service on Tuesday, XX/XX/year>, to resolve this block of my account access. After being on hold for about an hour, an account specialist again asked me questions from the public record to verify my identity. Once completed, the specialist informed me that they can not provide me with any information about my account, and that another specialist will reach out to me by Thursday for next steps. 

Ally Bank has locked me out of my account for several days now, and no one is able to help me resolve my online access issue, nor provide information on why I can not access my account or my money. This is unacceptable and frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through XXXX XXXX because XXXX will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.
Product: Debt collection

Bayside Credit calling from ( XXXX ) XXXX harassed my significant other for a debt ( was not disclosed it as a debt collector ) and it was a prior relationship ( not by marriage and not her debt either in any capacity ). It was deceitfully, intentionally, and purposely implied to have been for a job reference for her ex. This has left her feeling very uncomfortable. I hope something is done about it.
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 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX  and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX  was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a prompt resolution and the restoration of my financial stability and peace of mind.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns the way Zelle handles disputes. Particularly in light of 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 tracking these funds were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users virtually to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a copy of my ftc report along with my police report to XXXX, which they received on XX/XX/XXXX. I called on XX/XX/XXXX and they stated it will take up until XX/XX/XXXX to get results and refused to give me an explanation as to why it will take more than 30 days. This is after repeated request for them to provide me the information that they are allegedly using to verify if the account is accurate or not.
Product: Debt collection

I 'm Filling a complaint stating this account is not mine I pulled my credit fill back in XX/XX/2016 disputing file # XXXX XXXX is the company this is not mine and I requesting that it be removed from my credit file.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 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. 


XXXX XXXX XXXX XXXX  ) 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 reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 an account with XXXX appeared on my credit report with Experian showing a balance from XX/XX/2023. This account was paid off the same month it was reported however there has been no update to the information. Reached out to Experian on 3 separate occasions providing supporting documentation of the balance reflecting {$0.00} and the dates the account was paid off. Experian keeps reporting there is no change in the account as the merchant stated the information is current which is incorrect. The documentation provided shows the account was paid off and the account has not been updated in two months.
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Product: Credit card or prepaid card

I had a Costco Visa card issued by Citibank. The card had XXXX balance, and was my " emergency '' card. Citibank suddenly canceled the card without warning on XX/XX/2020, saying that they closed it because I had not used the card. I contacted them and they refused to reopen it. I have written them and told them I am filing a complaint. I find this behavior particularly despicable during the coronavirus crisis.
Product: Mortgage

There is a serious mishandling of our escrow account. The mortgage payment on our house is originally {$1400.00}. We bought our own Flood insurance policy for our house in XXXX XX/XX/XXXX and submitted the documents to Specialized Loan Services so they would have them on file. This Flood insurance was paid in full by us the homeowner and so there would not be a payment that would come out of our escrow account to pay for it. Specialized Loan Services still ending up sending out a payment to the Flood insurance company from our escrow account which put us into a deficit. We spoke with them on Mon, XXXX XXXX to let them know they had made and error as we had already paid our Flood policy in full. They should not of made a payment and they would need to credit that amount back into our escrow account. They had us pay our regular payment of {$1400.00}. Specialized Loan Services said it would be fixed it and it would not affect our mortgage payment. We then received a letter from Specialized Loan Services in XXXX that our XXXX mortgage payment would be {$1600.00}. due to the deficit in escrow. We called and spoke with them on Tue, XX/XX/XXXX and they told us they would run an escrow analysis and to just go ahead and pay the {$1600.00}. They assured us they would have this issue fixed by the time our next mortgage payment came. We again have received another statement that our mortgage payment for XXXX will be {$1600.00}. We called them today XX/XX/XXXX to discuss the errors in escrow and it seems this company just can not get it together. They never ran a new escrow analysis when we spoke to them last like they said they would. The company said they would really run it this time. I can not afford to keep paying an extra XXXX $ a month for their errors. I am on a tight budget as it is and I am afraid I will not be able to afford my mortgage payment this month if they can not fix this error.
Product: Checking or savings account

I went into CHASE bank at XXXX XXXX XXXX XXXX NY on XX/XX/2021 to open a BUSINESS account. I was approved on the spot and I GAVE THEM {$2500.00} CASH to fund the account. I received a letter dated XX/XX/XXXX saying that CHASE has decided to close the account no further explanation, Thats all fine - I just need my money {$2500.00}. I was told in letter to call the number inthe letter which is XXXX I called twice I was informed the 1st time I would have to go into a bank branch which I did then the branch tells me no one can help me I would need to make an appointment I then called the different branches for a week unable to make any appointments. Then I call the XXXX number back and told them they would have to arrange an appointment at which time they did then casually tell me that I would have to bring in all this information that they didnt need to open the account then proceeded to tell me that it would still take 3-4 WEEKS to HOPEFULLY receive my funds by mail. 3 problems : firstly, I gave them cash so this should not be an issue- 2nd its not fair that they are making money with my money and I can NOT, 3rd I was APPROVED for a BUSINESS account with XXXX no problem but now they are threatening to CLOSE my business account because I have not made the initial deposit which has to be made within the week! Please help me there should be no way these people can legally hold my money like this - I should be able to move on as they have.
Product: Credit reporting or other personal consumer reports

I am raising this complaint because XXXX, Equifax, and XXXX have failed to address and correct inaccurate information on my credit report, despite my repeated efforts to dispute these errors. The inaccurate reporting continues to harm my credit profile and violates my consumer rights. 

FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, as required by law.

FCRA 605 ( c ) : The " date of last activity '' is being inaccurately reported and does not reflect the last payment date, violating the accurate reporting requirements.

FDCPA 809 ( b ) : The collection account remains unvalidated, even after I formally requested verification.