23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Last year I noticed an account on my credit report that should not have been there from XXXX.I never received any bills in the mail that I owed them any money.I never received a phone call regarding an outstanding balance.The balance was just reporting on my credit report which violates the FCRA laws put in place by the FTC to protect consumers from frivolous debt.I contacted the company and they refused to update the information.I filed a dispute with Experian and experian responded back that the debt was validated yet refused to show me how it was validated and what information they relied on to validate the debt itself.This is in violation of the FCRA as well.Both Experian and XXXX are now making it impossible for me to get qualified for a mortgage as I was told by my mortgage counselor I would have to pay the erroneous debt.This is debt that I am not legally responsible for.I financed an insurance policy with XXXX and then decided to cancel after 6 months as I switched the vehicle to a commercial use vehicle and it required different insurance.XXXX received each monthly payment from me.At the time of the cancellation of the policy, XXXX failed to recalculate the interest that was charged to my account.This resulted in them showing I owed a balance.I am not responsible for interest charged but not used.I cancelled the policy before year end.When the policy started, I was charged interest for a FULL YEAR on the loan.I did not finance the policy for a whole year so I should not be responsible for the interest.Not only is XXXX and Experian ruining my credit, but they are also charging me for something I do not owe. That is THEFT and ILLEGAL.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX - the original creditor is XXXX XXXX XXXX the current creditor is LVNV Funding LLC. I have no idea what these companies are. I don't live in Texas and have never signed up for anything related. 

It says the amount owed is {$1100.00}. 

This is a fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognized and Account from XXXX XXXX XXXX that been reported to my credit report. 
Also I was informed that at the beginning of the contract XXXX XXXX XXXX has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a XXXX XXXX letter to XXXX XXXX XXXX and they failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED  XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This company is reporting my uncles information to my Chex systems report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my XXXX  license. He provided it to me to send to you guys. I have been a XXXX  resident for years. The license you have connected to me chex systems report is my XXXX. I have never written a check at XXXX. There are no XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone Number- XXXX Work- XXXX Dear Sir or Madam, I am writing to dispute the following in my file. I have circled the items I dispute on the attached copy of the report I received. 
This complaint is Pentagon Federal Credit Card late payment reporting of {$15.00} dollars not paid for XXXX. This credit card was paid in full in XXXX and then Pentagon automated system pulled the full payment again and I had a large credit amount of {$2100.00}. I then requested the credit card to reimburse me for the overpayment but to make sure all money due was paid so that next month my balance would be 0. I did not want to leave the auto pay on because they double pull the amounts sometimes like they did in XXXX. Please see XXXX statement for verification. 
I have enclosed the last four statements so you can see that the {$180.00} charge was paid in full back in XXXX. They also never updated my correct address and all statements went to wrong address. As my card expired in XXXX they sent a new card I never received to old address. This is after verbal conformation that XXXX their customer care representative changed the address to the correct one back in XXXX. 
I have also enclosed a letter with a recent date from XXXX XXXX stating the account is up to date. XXXX XXXX has denied my dispute with all three credit bureaus and will not change my account from late. Please investigate this as soon as possible as I am closing on a mortgage and this is gravely affecting us financially and my familys personal wellbeing. My score went from XXXX to XXXX in one day. This does not seem fair to someone who has never missed a credit card payment in his life, 47 years. Especially since I over paid the amount and XXXX XXXX credited the wrong amount back. With no statements to alert me or phone calls or emails and I am thinking this card has no balances. 
If something is not clear or you need more information please contact me. I am also inclined if this is not resolved in a timely manner in reporting this to my states attorney general office. 

I have enclosed the following : Recent Credit Report with circled item Pentagon Federal XXXX, XXXX, XXXX and XXXX Statements Letter from Pentagon Federal My Credit Score in XXXX. 


Sincerely, XXXX XXXX
Product: Debt collection

I closed both my checking and saving accounts with Regions Bank on XXXX XX/XX/2020 because of their poor costumer service. For some reason Regions Bank kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. Regions sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?
Product: Credit card

MY ACCOUNTS ARE CONSTANTLY VICTIM TO CYBERCRIME, IDENTITY THEFT AND I HAVE REQUESTED NEW ACCOUNTS, PROCESS, AND BANK MONTIORING BUT THE FRAUDULANT ACTIVITY STILL HAPPENS. I NEVER GET FRAUD ALERTS AS REQUIRED ON MY ACCOUNTS, AND WHEN I DO GET THEM, I IMMEDIATELY REPORT THEM, AND MY FINANCIAL INSTITUTION DOES NOTHING ABOUT THE CRIME UNTIL AFTER THE MONEY IS TAKEN FROM MY ACCOUNTS. THIS IS A CRIME AND I WANT MY CONCERNS ADDRESSED AND MONEY REFUNDED, AS I HAVE DONE EVERYTHING POSSIBLE TO ENSURE MY ACCOUNT INTEGRITY, SECURITY, AND PREVENT FRAUD

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a letter demanding payment for a debt that I didn't incur. They claim that the original debt was owed to a jeweler. I have never bought any thing from that jeweler. They got my name is wrong ( incorrect middle initial ). The last four digits of a credit card number were referenced, but I have never had a credit card with that number. 
The debt collection company is : United Collection Bureau XXXX XXXX XXXX XXXX, OH XXXX XXXX
Product: Checking or savings account

I have a Synchrony Bank XXXX that matures today, XX/XX/2019, and I notified Synchrony Bank by email on XX/XX/2019 that I wished to transfer {$5000.00} to my external account XXXX XXXX XXXX and the remaining balance to my Synchrony Bank XXXX XXXX XXXX account. I requested an acknowledgement to my email. The acknowledgement I received was not what I requested so I called, XX/XX/2019, and spoke with a banker ( female - did not get her name ) who assured me that the matter would be corrected and apologized for the thoughtless response. Today I checked my on-line account and the XXXX account had been renewed for another year. No transfers. I called Synchrony Bank renewal department, XXXX, and spoke with XXXX who apologized for the error and that it would be corrected with 3 to 5 days. I advised him that was unacceptable and I wanted it corrected within XXXX hours ; also, that I would be filing a complaint with the Consumer Financial Protection Bureau. This is not the first time that Synchrony Bank has tried to renew a XXXX for another year and disregard the customer 's written and verbal instructions as to how the account is to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Debt collection

The debt is disputed ( see attached letter sent ) and asked to not contact me again. Not only did Debt collector called again, she left voice mail lecturing me on how I need to pay this purported debt. Then she called again ( this time I saved an image of the call and voicemail to evidence the abusive practice - see attached ). 

Please help make this abusive behavior stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was negotiated for a significant less amount. The payment history is not showing correctly and every dispute I make does not fix the issue. The account was settled for {$290.00} and no payments are outstanding. All collection activity has ceased yet its still showing on my credit report and the other credit bureau 's that the balance is outstanding for a much higher balance. Its still showing unpaid and as a charge-off. The settlement was for {$290.00} from XX/XX/XXXX until XX/XX/XXXX for {$48.00} each month.
Product: Mortgage

After Mr. Cooper sold my loan, I have struggled to access any live customer support. Since my account is no longer with them, I can not reach a representative for assistance. The reliance on digital communication methodssuch as online XXXX  individuals who may not have reliable access to technology or the physical ability to use it. This can disproportionately affect people with low incomes, who may lack the resources or skills to navigate online systems effectively. 

This lack of accessible support options can be seen as discriminatory against those who do not have the same access to technology or who may face challenges in using it. I urge the CFPB to investigate this matter and encourage Mr. Cooper, as well as the new servicer, to provide more accessible options for customer support. 

It is vital for financial institutions to ensure that all customers can receive the assistance they need without facing barriers based on technology access or physical ability.
Product: Debt collection

Ive made numerous attempts to remove this account due to identity theft. I even sent the documents requested by the bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate debt information that XXXX XXXX XXXX has reported on my credit report. The account in question reflects a balance of {$1400.00}, which is not only incorrect but also should not be on my credit report in the first place. 

This matter was legally resolved in the courts of Maryland and was dismissed. As a result, I am not liable for this debt, and it should not be reflected in any way on my credit report. Despite this, the erroneous information remains, which is causing unnecessary damage to my credit history and financial standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Experian to take immediate action to delete this inaccurate information from my credit report. Additionally, I demand written confirmation that this deletion has been completed. Failure to remove this invalid debt may compel me to pursue further legal action to protect my rights. 

Please confirm in writing within 30 days that this matter has been resolved and that all inaccurate reporting has been corrected. I appreciate your prompt attention to this matter and expect a swift resolution. 

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

1. I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ).

2. I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ). 

Please investigate and delete these false disputed accounts.
Product: Mortgage

XXXX - XXXX I am approved for Mortgage assistance payments via Pennymac. They have been posting my payments late every month. However this month, no payment has been posted. XXXX has assured me that a payment was sent on XXXX and that Pennymac has already cashed the check. However, nothing has been posted to my account. I have been promised a call from someone in Pennymac XXXX  department and no one has called yet!
Product: Credit reporting or other personal consumer reports

The bankruptcy court does not verify nor have any jurisdiction to verify public court records. It was inaccurately verified because I have received a letter from bankruptcy court stating that they do not have any public records cases in my name or in their system which I have attached below. 

XXXX failed to show proof of verification nor mail me proof of who verified these erroneous records. It is aggravated identity to use a person information without written consent. XXXX and transition has XXXX different reference numbers of a public record on my credit report which shows that it was inaccurately verified. it is a credit bureau Duty to share the same information across all credit report and do a proper investigation to ensure maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

A hard inquiry by SYNCB/GAP appears on consumer reporting agency reports. Disclosures were not given for this hard inquiry.
Product: Payday loan, title loan, personal loan, or advance loan

I never used my account with DailyPay. However, they gave a loan to someone out of my account and have changed my direct deposit information through my employer to go to them ( DailyPay ). I never requested any funds from them, I didn't receive any from them, and I don't want them accessing my paycheck.
Product: Checking or savings account

I spoke with Wells Fargo on XXXX about a wells fargo overdraft and the customer service manager told me that the account activity on my wells fargo app does not reflect the full activity that shows on their computer. This made no sense because my wells fargo app activity should directly show the same thing that is displayed on their computer. This was a red flag. On XX/XX/2021 a customer service representative had my overdraft fee refund approved. Spoke with Wells Fargo customer service representative today on XXXX and he was the rudest customer service representative I have ever dealt with so I requested a new representative to speak with. The new representative told me that the overdraft was refunded but it's their policy to not show it being refunded on my activity page so basically I have to do the math myself to figure up that the refund was credited. That is another red flag. Also Wells Fargo will allow my debit card to be consistently charged by automatic payments when it is already overdrawn, so they can charge multiple overdraft fees resulting in exorbitant fees that can sometimes put my account into - {$500.00} or more. There is fraudulent activity that this bank is still committing with the most horrible customer service to match.
Product: Mortgage

I refinanced my mortgage with XXXX to get it away from Nationstar Mortgage dba Mr. Cooper. Then XXXX makes Mr. Cooper the loan servicer and eventually sells the loan back to Mr. Cooper. Immediately following the transfer to Mr. Cooper they have repeatedly misapplied funds by NOT applying additional funds sent with the monthly payment to the PRINCIPLE! Instead it is applied to the " next monthly payment ''. 
This practice continues almost MONTLY even though I have been assured REPEATELDY that " any additional funds received would be applied to principle ''. I am told that " if I paid on the Mr. Cooper website the problem would not happen '', but I would not trust Mr. Cooper with my personal information if my life depended upon it. I am making additional payments to get this account closed and away from Mr. Cooper as quickly as possible. It appears they are trying to stop any loss of interest by NOT applying funds to the principle. In my opinion these are fraudulent actions because they continue to misapply funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute in the EQUIFAX website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education when my application to the XXXX XXXX XXXX XXXX was approved. 

EQUIFAX contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. After filing a complaint with CPFB, EQUIFAX corrected the incorrect student loan accounts with XXXX, and finally reporting them as closed, transferred and with {$0.00} balance. However, EQUIFAX repeated the same mistake and now is reporting my student loan accounts as open and with balances with both XXXX  XXXX. 

That is incorrect. As I explained from the beginning, the Department of Education again transferred and paid off my student loans from XXXX  XXXX to XXXX on XX/XX/XXXX. Thus, the credit report should reflect just the XXXX student loan accounts with XXXX, which correctly are reported as open and with balances. However, all student loans with XXXX  XXXX should be reported as closed, transferred/paid off and with {$0.00} balance as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against First Investor Financial regarding their failure to act on my repeated requests for a voluntary repossession of my vehicle and their lack of communication and transparency concerning the validity of my debt.

For over a year, I have consistently contacted First Investor Financial, requesting that they schedule a voluntary repossession of my vehicle. Each time, I have explicitly stated that once the vehicle is repossessed, I would like to arrange a payment plan for the remaining balance. Despite my repeated outreach, they have intentionally avoided returning my calls or scheduling a pickup for the vehicle. 

Additionally, during my most recent call, after providing my personal information, the representative asked me why I was calling. This raised serious concerns about whether this debt is valid, as it suggested they may not have accurate records or ownership of the debt. As a result, I have formally requested a Validation of Debt, which they have not provided.

This lack of responsiveness and transparency has caused undue stress and left me unable to resolve this matter responsibly. I believe these actions, or lack thereof, may be in violation of regulations concerning fair debt collection and consumer protection.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible. Under the FCRA Section 1681e, it is the responsibility of credit reporting agencies to ensure the maximum possible accuracy of the information they report. As a consumer, I have the right to dispute any inaccurate information that may negatively impact my creditworthiness.
Product: Checking or savings account

I have been having problems with Chime for over 3 years. I recently, XX/XX/22, requested to close my account after dealing with them about identification verification issues for the months of XXXX and XXXX. After getting my permit, I was still unable to successfully prove who I am due to the fact that I got a REAL Permit. All in all, my refund check of ~ {$130.00} was sent to a different address because of all of this. I am no longer caring about the refund check, all I want to do is let people know about Chime.
Product: Credit reporting or other personal consumer reports

In according to the fair credit reporting act. 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 section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX concerning their handling of my credit card account after my Bank of America account was compromised due to a data breach. 

Before the closing my XXXX  XXXX credit card account, I contacted both XXXX  XXXX and Bank of America and arranged a conference call to ensure that XXXX XXXX was fully aware of the situation. Despite this, XXXX XXXX reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because Bank of America closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.
Product: Debt collection

I am writing to dispute the following information that appears on my XXXX report from XX/XX/2023 : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$570.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX. 

I was also sent a contract from XXXX XXXX XXXX with handwriting that isnt mine I asked this company to not get in contact with me I have never received any services from this company.
Product: Checking or savings account

Debit card was stolen from my home in XXXX NJ and has been missing since XXXX XXXX. Any activity is fraud since that date