23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX. 

I was contacted about two months ago by Portfolio Recovery Associates , LLC ( a collection agency who purchased someone's debt from XXXX ) regarding a delinquent XXXX credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from XXXX credit from XX/XX/20 with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard InquiryXXXX XXXX XXXXnd XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

in XX/XX/2018 I went to XXXX XXXX  to have missing and infected XXXX  treated, was told to apply for Care Credit to pay part of my treatment payments.XXXX XXXX  applied on my behalf and approved {$1500.00} credit.my XXXX  work was never completed while I was making payment and up to this day XXXX XXXX refuses to correct the problem. I contacted Credit care to let them know no future payment will be made because i am not satisfied all they did was forward me the bill from XXXX XXXX  stating that services were performed
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This is appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. Equifax mailed a response back saying that XXXX credit reporting agency reported the bankruptcy. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Equifax credit reporting agency on XX/XX/2021. On XX/XX/2021 I received a response from Equifax stating that The company that reported the information has certified to Equifax that the information is accurate. I don't think Equifax contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.
Product: Debt collection

I was a victim of identity theft years ago please remove from my credit report immediately.
Product: Credit card

I lost a card issued by AAA and told them I wanted it closed. They did so and sent me a replacement card. At the same time, I had been issued a new XXXX card and decided to use it and close the AAA card account. However, I had an auto payment on the AAA card ( $ 10 monthly to the XXXX ). I assumed the XXXX would not be able to bill the new card and would contact me. However, it seems the charge was automatically switched to the new card. I regard this as an invasion of privacy by the credit card company. They had no right to switch the auto payment to the new card without notifying me. In the past I have had problems when the card was the same but the expiry date changed, because the bank would then deny auto payment to vendors. But this new system is even worse. I should have the right to switch where I make payments.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint with the CRAs - Transunion and XXXX against these banks for reporting an account on my credit file without verifying my identity. Despite their notification stating my identity could not be verified, this account remains linked to my Social Security number, negatively impacting my credit. The inaccurate information not only damages my creditworthiness but also creates unnecessary distress and confusion. I request immediate blocking of this account and deletion of all related inquiries. Thank you for your assistance. 

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

I have discovered A Bankruptcy and numerous inquiries on my credit report that should not be there. I have tried to contact experian about this matter and they keep telling me that they investigated and got proof from the court that this bankruptcy was reported by them. The court however spoe to me and sent a letter stating they do not report ANYTHING to these bureaus. Experian has failed to provide proof to me or investigate this bankruptcy. So i am hoping that you can address this matter and demand removal of this bankruptcy.
Product: Credit card or prepaid card

I requested a credit increase on my business ( XXXX XXXX XXXX ) credit card with Capital One, only to be denied for what they say was " You have to many inquiries '' they also show my score as a XXXX, but my XXXX score is over XXXX and all of my credit cards have great payment history, this is open racism. They once told me I could get a increase after I had my card for more than 14 months then they said 16 months.
Product: Mortgage

We have had an issue contacting this lender since our mortgage was sold to them. Recently they reported to the credit bureau that we were behind on our mortgage, which we are not. A few days later they reported that the payment had been made and we didn't know about either. We pay an extra {$500.00} per month on our mortgage to get it paid off quickly. So behind on payments or struggling financially is not an issue for us. However, when we try to reach someone in customer service they claim the wait time is 60 mins and even that isn't true. We have waited up to an hour and 25 mins and they never answered the phone. If i press the button for a new mortgage I am not placed on hold at all and someone picks up on the first couple of rings. My credit is very important to us even though we don't owe on any vehicles or anything like that. Their mistake and lack of communication affected my credit score by over XXXX points. This was completely avoidable if they had adequate staffing and willingness to make things right.
Product: Mortgage

In XX/XX/2023 I was approved for an FHA loan by an integrity mortgage loan. After obtaining the letter of approval I begin searching for a home and found one. Earned money was given along with a deposit however I was notified two days before closing that the process was placed on hold. Be mindful that no information about my income, etc have not changed. The mortgage lender has stopped answering all phone calls emails and texts. My realtor along with the builder sale rep. has also attempted however no response. The lender has completely neglected me. Each day that I have not closed a fee cumulating. The earned money will not be given back the deposit. I reached out to the corporate of integrity mortgage however they appear biased making excuses for their employee along with the fact of him trying to push me off on another lender who is a friend of the lender in XXXX, XXXX. At this point, I believe that my race and gender play an enormous part and this issue. I would like to seek legal action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card revovling account is a XXXX XXXX balance but is reporting a inccorect balance of XXXX dollar balance.
Product: Money transfer, virtual currency, or money service

Money transfer from Venmo to account with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$580.00}. 

Date : on XX/XX/year> Amount : {$580.00} XXXX Transaction ID : XXXX ARN : XXXX XXXX Reference Number : XXXX Money was never received by bank. Venmo states that it was processed correctly. Money is not able to be located
Product: Money transfer, virtual currency, or money service

I am writing regarding Zelles handling of disputes in light of the CFPB lawsuit. I regularly use Zelle and report discrepancies however, my financial institution and Zelle failed to investigate my claim. I was informed that my lost funds was not recoverable or trackable. Zelle did not protect me as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Capitol One sent me a pre aprroval for a credit card which SAVOR card.. My credit has a freeze on it at all times so I must call and release the freeze before someone can run my credit. Which at the time I called Capitol One, and was told by their representative I needed to call XXXX and unfreeze my credit to be approved for the card. Which I did at the time. However, I call them and told them I had unfroze my credit to apply for credit card with Capitol One and I only wanted to unfreeze my credit for that one day. Which I've a high credit score in the XXXX 's. At the time I was told once it was unfrozen to call them back for the approval which I did. They told me at the time they couldn't approve me due to me not unfreezing all three of my credit reports with XXXX, XXXX and XXXX. However, when I applied I wasn't told this at the time. Also I wasn't informed at the time this was going to be a hard pull on my credit and didn't find out until I contacted them back. I'm very unhappy with the process and and feel that consumers are being mislead with them sending out these pre approvals .It also brings your credit score down tremendously with those hard pulls and can remain on your credit for over two years. 
I contacted them about the matter and they were very nasty about the situation and told me it would remain on my credit report. I contacted XXXX also and let them know what Capitol One is doing to consumers and should make people aware. I've exceptional credit and want to keep it like that. Please help me to get this hard pull off my credit. And stop them from misleading consumers with these preapprovals. False advertisements!!!!!!
Product: Credit card or prepaid card

( Citizens Credit Card ) In XXXX XXXX  XXXX I had received an email of suspicious activity on my account that an XXXX XXXX  XXXX  charge and to call fraud services. I called and confirmed that was not a charge I had ever made. Citizens fraud service cancelled the card and removed the charge from my statement and issued a new card. Fast forward to XX/XX/XXXX. Unbeknownst to me my account shows an approved charge of {$10000.00} to XXXX XXXX XXXX I only discovered this after failing to buy groceries on XX/XX/XXXX and my card was declined. I had tried to call fraud services for 48 hours until someone finally answered on Saturday morning! ( I have proof of calls made and time spent on hold ). The gentleman I spoke with said I maxed out my account! Uhh you dont say Im calling fraud services for a {$10000.00} charge approved by your company on an account with a {$2500.00} credit limit. Mind you no communication was ever made. The gentleman said he put in a claim and I was not responsible for that charge. He was not professional and seemed unfamiliar with processing a claim. I called the following day to get a claim number so I could have some sort of documentation, the woman I spoke with said a claim is not on record and she was more helpful and provided me a claim number. She had said that I was not responsible for the amount and that it would not show on my statement. Well I just got my statement and it indeed shows I am still responsible for this amount. I am so disgusted with how Citizens has handled this issue. And under further investigation by myself that {$10000.00} charge that was approved has the last 4 digits of the original card that was supposed to have been cancelled!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX on XX/XX/2023 I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  15 U.S.C 1681 section 602 A . States I have 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: Checking or savings account

IN XXXX I ASKED XXXX AND XXXX BANK FOR A {$11000.00} LOAN AND THEY DENIED THIS LOAN AND THEN SENT ME A {$1000.00} CRDIT LIMIT I NEVER ASKED FOR THIS WAS PREDATORY LENDING, AND FAIR CREDIT DISPUTE FOR A LOW INCOME RETIED GOVERNMENT WORKER, AND XXXX. 
I DISPUTE THIS CREDIT I USED THE CARD BUT IN XXXX TO PRESEMT I TRIED TO USE XXXX AND XXXX AND THEY TOOK FUNDS FROM ME I DID NOT GIVE THEM PERMISSION TO TAKE WHICH COST ME AT LEAST {$1000.00} FROM XXXX TO PRESENT M AND T BANK WOULD NOT DISPUTE THIS AND WOULD KEEP ASKING ME EVERYDAY ALL DAY HOW MUCH FUNDS DO YOU HAVE AND WITH NO DISRESPECT BUT THIS IS BEGGING AND I HAVE A LOW INCOME AND GOVERMENT BENEFITS AND WITH NO DISRESPECT M AND T BAN IS TRYING TO MAKE ME PRACTICE HOMOSEXUALITY TO DO BUSINESS WITH THEM FOR THE HAVE A XXXX PERCENT LGBT. 
I ALSO ONLY DO BUSINESS BY EMAILING AND CALLING XXXX AND XXXX BANK BUT THEY KEEP TELLING ME TO TO COME IN AND I HAVE XXXX AND THEY DO NOT LIKE ME WITH MY XXXX AND FIGHTING FOR THIS NATION FOR RIGHTS THEY SHOULD NOT HAVE A PERSON COME IN AND WE CAN SETTLE THIS DISPUTE BY EMAIL I WANT THIS CREDIT DISPUTE WAIVED AND OF {$1000.00} ALSO AND TO BE RESPECTED ALSO XXXX XXXX XXXX  BANK WONT ALLOW ME TO ACCESS MY CHECKING ACCOUNTS BECAUSE I FILED COMPLAINTS ABOUT THIS DISPUTE AND I CAN NOT ACCESS MY FUNDS AND MY RENT IS DO THE FIRST AND THEY AND THEY ARE USING ME TO MAKE A POLITICAL MOVE SO THEY CN DO THIS TO EVERY PERSON IN XXXX THEY CLOSED MY ACCOUNT BECAUSE I WOULD NOT SPEND ANY FUNDS I WANT IMMEDIATELY MY FUNDS ACCESSIBLE AND THEM ALSO TO ALOW A PERSON TO DO BUSINESS WHEN THEY ARE CLOSED SUCH AS XXXX P.M TO XXXX A.M. 
NOW IF XXXX XXXX XXXX BANK DISPUTE XXXX AND XXXX AND TAKES AWAY THE CREDIT DEBT OF {$1000.00} AND ALLOW ME ACCESS TO ALL MY ACCOUNTS THEN THIS DEBT COMPLAINT IS REMEDIED AND NO LITIGATION FROM PETITIONER ALSO THIS DEBT I S MAKING MY CREDIT REPORT FROM XXXX TO XXXX AND I NEVER MISSED A PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear US Dept Of Edu : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Debt collection

I had an account with XXXX XXXX XXXX. 

This account was in use at an old apartment of mine from XXXX of XXXX to XXXX of XXXX. In this apartment, I became financially incapable of making payments due to a year of unemployment and eventually running out of the benefits. I turned to a program the city of XXXX offered to assist me with this bill but did not receive the aid. As a result, there was a remaining balance on the account which was sold to a collection agency. 

I provided a detailed letter explaining my circumstantial set backs to the collection agency, Torres Credit. I also requested that the company remove this collection report from all three credit bureaus reports. 

A representative reached out via phone requesting that I pay {$150.00} in order for them to remove the collection from all three credit bureaus. I explained to the representative that I am financially incapable of doing so.
Product: Mortgage

Select Portfolio Servicing is the mortgage company. 
-The seller of the home is the personal representative for the Estate. 
-Home was sold on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Payoff quote valid until XX/XX/XXXX of {$92000.00} was provided by SPS to XXXX XXXX XXXX on XX/XX/XXXX. 
The correct amount of mortgage payoff funds were received by SPS on XX/XX/XXXX, following sale of the mortgaged property. 
XXXX XX/XX/XXXX, SPS accidently issued a check to XXXX XXXX for taxes. The check amount was {$2500.00}. XXXX XXXX issued a refund to SPS on XX/XX/XXXX because the taxes were paid during the closing of the house on XX/XX/XXXX. 
- Subsequently, SPS erroneously issued the estate a check in the amount of {$2800.00} on XX/XX/XXXX - The estate cashed the check - The personal representative contacted SPS in XXXX of XXXX after receiving multiple Mortgage Statements and notice that SPS was purchasing home insurance for the house. 
- The personal representative contacted SPS 3 times for an account review. 
- The first account review determined that there was a mistake and that they should not have issued the Escrow Check and determined that a value of {$2400.00} should be issued to SPS to close out the account. This was on XX/XX/XXXX. The letter does not specify the type of check or what date that check needed to be submitted by. 
- That requested amount was sent in to SPS ; check was cashed by SPS on XX/XX/XXXX and credited to the mortgage account. 
- SPS has failed to release the lien on the home.