23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, XXXX & Equifax has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXXXXXX XXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX XXXX & Equifax has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy and accounts aren't mine.
Product: Credit reporting or other personal consumer reports

am filing this complaint against XXXX XXXX XXXX  regarding an inaccurate XXXX late payment reported for XX/XX/year> on my account ( [ Account Number : XXXX ] ). 

Details of the Dispute : Late Payment : The late payment entry is inconsistent with my records. 
I previously requested validation, including billing statements and payment history, but XXXX XXXX XXXX  has failed to provide adequate documentation. 
Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXX  must ensure the accuracy of the information furnished to credit bureaus. 
Under 15 U.S.C. 1666, they are required to validate and correct any errors related to billing.
Product: Mortgage

i had trouble with getting a mortgage broker in new york state to comply with the transfer of my FHA case # to my new choice of a FHA XXXX XXXX XXXX XXXX. 

I XXXX XXXX would like to cancel my loan with Mid Island Mortgage. I would like the FHA case # XXXX assigned to my property transferred to XXXX XXXX Mortgage ( ID # XXXX ) Please advise once this transfer has been made. 
Thank you XXXX XXXX, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was totaled in  XXXX / XXXX / 2017 , my insurance  XXXX  mailed a check to  Credit Acceptance on   XXXX / XXXX /   2017  and this check was cashed for {$9300.00}. The balance was  XXXX . We were notified by Gap insurance, additional monies was paid on    XXXX   XXXX  2017 , leaving me a balance of {$200.00}, which I paid at that time. Paid in full letter was dated  XXXX  2017  fr om Credit Acceptsnce. My  credit report is showing a balsnce of over  XXXX  and when I filed a dispute with   XXXX   to have my report update d, Cr  edit Acceptsnce stated all information was correctly reported in my report. Plea se hold this company accountable, as they have not reported any payments beyond    XXXX    2017   . This is affecting my score and I am in the process of purchasing a home.
Product: Checking or savings account

Navy Federal Credit Union has been charging me overdraft fees due to their practice of delaying the posting of credits and payments to my account. Despite sufficient funds at the time of transactions, Navy Federal would delay posting incoming credits and payments, creating an artificial deficit and triggering overdraft fees. Due to this recurring issue, my account was eventually closed unfairly. This practice has caused me significant financial hardship, and I believe it is an unfair and deceptive practice.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING ACCOUNTS : 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 Bankruptcy, Status : XXXX XXXX XXXX I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.

If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused.

I expect a written response from your institution confirming that corrective measures have been taken.

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Credit card or prepaid card

Upon reviewing my finances I checked my annual credit report and to my surprise I found an error on my file. I paid XXXX credit card wherein they failed to process my payment in a timely manner causing me a 30-day late payment. I even inquired with a customer service rep by the name XXXX agent ID XXXX, to see if I could be helped in making automatic payments and he said that he could not help me and proceeded to transfer me to a different department. Every time I called I would get transferred and their line continued hanging up. It's very hard for me to work with this company when they have their system does not work properly. I've always made on-time payments and I overwhelmed now and don't know what to do. I'm now contact the CFPB to help me correct this issue as it's causing me financial strain.
Product: Credit card or prepaid card

I paid my XXXX credit card balance in full using the automated phone system in XX/XX/2019. The payment submitted after XXXX and I accrued a late fee. I called the credit card company asking to have the late fee waived because I paid my balance in full and it was only a matter of a minute that it was submitted late. 

The customer service representative was agreeable and assured me that all charges were reversed. She said I might receive a billing statement with the late fee still on it, but to ignore it because my balance was {$0.00}. 

I have continued to receive more billing statements with a late fee due. I called today to inquire as to why I am still being billed a late fee on a {$0.00} balance. The representative said I had incurred a minimum interest charge due to my late fee. I stated " How can I incur a minimum interest charge on a {$0.00} balance? ". The representative stated " There was a minimum interest charge from my XXXX bill that carried over. '' I again stated " How is that possible to be charged anything on a {$0.00} bill? '' I explained that I had paid my balance in full and the other charges were reversed. The representative stood behind the fees being charged which are now over {$55.00} to date. I thanked the representative for her time and informed her that I would be filing a complaint due to such dishonest credit card practices.
Product: Credit reporting or other personal consumer reports

My Credit report is showing that I am delinquent on my mortgage house was paid in full in XXXX sold in XX/XX/XXXX. I reached out to credit bureau no answer left messages as well nothing. I also called Mr. Cooper loan company to ask why they directed me here. This is now affecting my chances to get a new home I need this taken care of as soon as possible I am furious. Keep in mine it is now XX/XX/XXXX  I sold my home in XXXX of XXXX.
Product: Debt collection

I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.
Product: Debt collection

A XXXX XXXX XXXX, left a voice mail on a distant relatives phone stating his name and that he was with an " Altantic Recovery Solutions debt collection agency ''. Stating '' that its an extremely important matter against her that she contact me immediately. That this was not a solisitation. Tell her to contact me here immediately '' This same message was left on my husbands family, unlisted public answering machine for all to hear. 
Ive never received anything in the mail by this company or ever heard of them. 
they have violated the 3rd party disclosure law and i will pursue any charges that are available to me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, overnight, has removed EVERY account from my credit report with them. I now have zero accounts of any kind showing on my Equifax credit report. They removed 25 accounts of all types ( revolving, mortgage, loans, etc. ). I have called them multiple times to try and fix this and they keep coming up with excuses as to why it is my fault. None of the other credit reporting companies have done this. My credit score went from XXXX to XXXX overnight with Equifax and they show me having zero credit.
Product: Credit card

I have been a cardholder with Discover for approximately 10 years. 

For some reason, I have had ongoing problems with my cards being lost or stolen from the mail, and/or replacement cards being requested by fraudsters. 

In XXXX, this occurred. My card was used at, among other places, gas stations, restaurants, and hotels. I promptly reported it. I received a replacement card and have been hesitant about activating and using it until this is resolved. 

I have asked Discover to check if there is anything suspicious happening with my online banking. And I have changed my password. 

Today I checked to find, to my surprise, a balance in excess of {$1300.00}. Even more surprising, it did not show the transactions or dispute issues in the summary. Nor have I received any correspondance about this, and my last statement showed a credit of - {$12.00}.
Product: Mortgage

XXXX XXXX XXXX XXXX, submitted multiple hard pulls on my credit causing me to lose XXXX points on my credit score. I never gave any verbal or written authorization for additional credit pulls. I was told by other loan officers that this is against lending practices and has severely effected by pre approval amount. The lending office is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I reviewed my credit reports and noticed that there were inaccurate accounts listed. I have asked for the reporting agency to remove and then came back stating that the accounts were verified however the bureaus never sent me any documents showing how these reports were verified. After sending FTC reports I only received a letter stating it was updated. But no information on what was updated. I am asking over and over for this information but no one is sending me this as requested. I have contacted the creditors over the past 7 months and no response. The following credit cards are listed on my credit reports and are inaccurate and I am requesting that they be removed immediately. 

XXXX XXXX  {$10000.00} balance XXXX XXXX  {$15000.00} balance XXXX {$2000.00} balance XXXX {$0.00} balance Inquiries listed XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 the collection company MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX send me to collection for a bill of {$480.00} from XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XX/XX/XXXX. But keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that MERCANTILE ADJMNT BUR stop reporting this to my credit report. If not im going to start a legal action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for identity theft protection through Experian for over a year. When I called, on multiple occasions to utilize their services, they RE-route me to regular customer service and refuse to help or let me speak with a supervisor. I have submitted documents from the FTC to have items removed from my experian credit report through mail and their portal. They will request additional identification with a ticket number but when I submit the documents they immediately close the file. I have never spoken with someone who is willing or able to assist me with the device I have paid fora for have been fighting to have these items removed by myself even though I am paying for this service.
Product: Credit reporting or other personal consumer reports

The credit XXXX has my personal information wrong, my name they have missing, I contacted them to fix it but they didnt.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX Fradkin & Weber PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fradkin & Weber PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Case No : XXXX Case No : XXXX Subject : Claim of Proof Service re : Wage Garnishment This compliant is for both cases referenced above. 

Fradkin & Weber claimed a proof of service for debt and wage garnishment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sales. 

I have not been a resident of the address listed in the court records for several years and likely Fradkin & Weber have received the proof of service delivered back as undelivered, or unknown at that address- and have failed to inform the court of this fact. 

I still have mail forwarding on the address on the court record and know they have not sent any certificate of service to my person. 

I learned of this case was still being prosecuted when I got a certificate of compliance for Writ of Wage Garnishment via a mail forwarding with USPS. 

In addition, I am a resident of the XXXX XXXX XXXXXXXX, and Fradkin & Weber, PA, have not demonstrated any jurisdiction to collect on a Maryland Judgement on a resident of the XXXXXXXX XXXX XXXXXXXX, and under PA law are past any statue of limitations to file a new judgement in the XXXXXXXX XXXX XXXXXXXX courts. 

I believe Fradkin & Weber, PA, who has a history of violating the Maryland Collection Act, in stating a certificate of service was sent to the court of Maryland, has violated Maryland Code 14202 - false and misleading representations.
Product: Mortgage

XXXX XXXX XXXX XXXX have refused to send me my overage escrow refund in the amount of XXXX. 
XXXX XXXX XXXX XXXX even sent me an email with false information where they alleged the refund was sent in XX/XX/XXXX with the escrow analysis letter. I received the letter but not the refund check. 

I have contacted XXXX XXXX XXXX over the phone just to be told it can take 7-10 business days for the check to arrived. They said it was sent XXXX XXXX which contradicts the original email I received stating it was sent on the escrow analysis in XX/XX/XXXX. 

I also have sent multiple emails by secure messages and XXXX XXXX XXXX have ignored all of them since XXXX XXXX. 

I am requesting from CPFB to step in and have XXXX XXXX  XXXX pay me my refund escrow since I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran and not required to pay property taxes in the state of FL. 

Please have XXXX XXXX XXXX XXXX overnight this check without any further excuses. 

XXXX XXXX XXXX XXXX have the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan number is XXXX
Product: Debt collection

Was not notified before going this was submitted to go to court, nor do I know what the collection is referenced to. The court order allowed this law firm to get payment directly from my bank account and had in fact depleted my son 's savings account to which I have not a clue as to how they were able to get his account number.
Product: Credit card

On XX/XX/XXXX I contacted Chase to ask if I could transfer XXXX reward points from my Chase Sapphire Card to my Chase Marriott card and close my Sapphire Card. Chase account rep said it would not be a problem. Two days later, the transfer was not completed and the points were returned to my closed account. I was not notified by Chase that the transfer did not go through and I didn't catch this until XX/XX/XXXX. I contacted Chase and they said I had 30 days to use my points on a closed account. I explained that I closed the account based on the advice of the Chase account rep and would never have closed the account with XXXX points. I spoke with XXXX in XXXX. I then followed up with XXXX in XXXX on XX/XX/XXXX, XXXX and XXXX on XXXX, XXXX on XX/XX/XXXX, and finally XXXX on XX/XX/XXXX. Everyone was extremely nice and everyone said they would handle it because it was obviously a Chase mistake. The follow up from each phone call was sporadic and extremely slow. XXXX was the only one that actually said she would call me with a response and she did. I then forwarded my concerns to Chase Executive in XXXX and was turned down by XXXX due to my request being over 180 days old. I explained I have been dealing with their customer service for well over 180 days. I then filed a complaint with the Better Business Bureau and spoke with two more Chase Executive employees in XXXX. Both said they could not do anything due to it being over 180 days. 

Bottom line, I closed my account solely based on the advice from the original Chase representative. Chase did not fulfill their commitment and I was not notified of their failure. When I contacted Chase about this problem, I was then misled by 5 employees, over a 6 month period, that felt Chase would be able to correct their mistake.

Mistakes happen. In my eyes, this appeared to be such an easy fix for Chase that would not cost them a dime to correct and regain a loyal 20 plus year customer. Boy was I wrong.
Product: Checking or savings account

I was charged {$280.00} on my Citibank XXXX card for a charged made in XXXXXXXX XXXX, a placed I have never been to in my life. I live in XXXXXXXX XXXX Citibank has sent me a letter stating that they will not be refunding the charge because the person who made the charges had my XXXX pin, which upon the bank asking me if I have given this information out, I answered no. I am on my XXXX open case and ( they sent me back the XXXX XXXXXXXX, declining any refund ) they still have not refunded the money. The transaction was done on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I believe my information may have been part of a data breach Ive never been late for my payments and Ive tried walking into the institution to talk with someone I was told this was a mistake from their end and would be handled immediately but still nothing has happened and Im asking for this lates be removed for my account Ive worked to hard for a mistake to take place on my credit. 
( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unfamiliar accounts that have appeared on my credit report.