23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Regarding Original Complaint ID : XXXX Collection Agency : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) Original Creditor : Citibank/ The Home Depot Account Number : XXXX Dear CFPB, I am writing to follow up on a previous complaint submitted against XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) regarding a collection account being reported on my credit file. I respectfully request that this complaint be reopened or escalated based on XXXX XXXXs non-compliance with the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and Fair Credit Reporting Act ( FCRA, 15 USC 1681 et seq. ).

I originally requested proper validation of the debt, as required under FDCPA 809 ( b ). In response, PRA failed to provide any of the following critical documentation : A copy of the signed original contract or agreement bearing my signature A full account history showing the charges and payments A bill of sale or chain of title demonstrating XXXX XXXXegal right to collect Any documentation clearly tying me to the alleged debt beyond basic identifiers Despite this, XXXX  continues to report this unvalidated debt to the credit reporting agencies, which is a violation of FCRA 623 ( b ) and FDCPA. The continued reporting of this unverifiable account is damaging my credit and constitutes a failure to perform a reasonable investigation and verification.

I am requesting that the CFPB require XXXX to : Cease all reporting of the unverifiable account to the consumer reporting agencies ( CRAs ) Delete the account from all CRAs ( Experian, Equifax, and TransUnion ) Provide written confirmation of deletion and cessation of collection activity Face appropriate corrective or enforcement action if found in violation I am attaching a copy of XXXX response and my original dispute for reference. Please let me know if additional documents or information are needed.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft in 2023 someone used my name for credit cards and other items.
Product: Checking or savings account

On XX/XX/2023 I received a phone call from Chase Bank. Was told my account was at risk to outside thieves. I was asked to have {$48000.00} wired from my Savings to the so called wrong account to be rewired into my account, to fix the problem. I was called the next day to do the exact same thing. Now, XXXX was pending out of my account. Both times I was locked out of my account. They released my account to do these wire transfers to help protect my money. So I was told. Later I find out that they called the people who took my money and they said that they were using it to build a business. My chase bank never called me to verify that it was me who was doing transfers but instead the thieves who somehow got the call instead of me. They sent the money to the thieves without my approval. I filled out a full report to the bank but they called back saying that the money was gone and nothing could be done even though I didnt approve of the transfer of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the General Executor of all accounts and affairs regarding the name XXXX XXXX XXXX its ESTATE and any/all derivatives. 

2. FCRA 1681 ( i ) states in part If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

3. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX by refusing to comply with FCRA regulations 1681 ( i ) by either 4. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to conduct a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

5. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to provide proof of a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

6.When a customer disputes credit information to a CRA, the CRA must advise the furnisher of that data that a dispute exists and provide the furnisher with all relevant information regarding the dispute that the agency has received from the consumer. Id. 1681i ( a ) ( 2 ) ( A ). Once notified by a CRA, a furnisher must *36 ( A )  conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency .... ; ( C ) report the results of the investigation to the consumer reporting agency ;
Product: Credit reporting or other personal consumer reports

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

DPEDXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX CT - Incorrect XXXX XXXX - Incorrect XXXX, XXXXXXXX XXXX - Incorrect
Product: Checking or savings account

At least 2 checking accounts ( XXXX and XXXX ) were fraudulently opened in my name. I called TD Bank at XXXX, Option 3 and requested that all accounts in my name be permanently deleted. All contacts were in XXXX and early XXXX of 2022. TD Bank agreed to close all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau XXXX and TransUnion are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX . This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX and TransUnion XXXX It was not resolved and deleted from my credit file. The response to me was updated. They refused to delete this alleged fraudulent account from my file. The date they have for this account shows opened XXXX XXXX, 2010. Having seen this it more than 10 years the alleged account reported. I am aware of FCRA laws regarding this type of matter.
Product: Mortgage

On XX/XX/year>, I received a Notice of Cancellation letter from XXXX XXXX XXXX XXXX. I called them up to find out why did I receive this letter when my lender ( AmeriNat ) was supposed to pay the bill which included my taxes & insurance for my monthly mortgage. XXXX stated that they sent them a bill in XXXX and XX/XX/year>, but they didn't receive any payment from my lender ( XXXX ) which was supposed to already be paid by XX/XX/year> but they also gave me an extension until XX/XX/year>. 

I called my lender the next day ( XX/XX/year> ) at XXXX while I was on the phone with XXXX for a conference call to find out why my lender didn't pay the bill. They explained that they didn't get the PDF from XXXX, but the lady on the phone with XXXX said she sent it. While we were all on a conference call, XXXX said she was resending the PDF through the portal and my lender told me to stay on the phone until the PDF came through so I did. My lender told me that the PDF came through, and she was pushing the button to pay the balance of {$4000.00} to XXXX and that was on XX/XX/year>. 

On XX/XX/year> at XXXX, my agent from XXXX XXXX XXXX XXXX XXXX me to tell me that he had bad news that XXXX XXXX cancelled my house insurance due to my lender. The agent said my lender sent them a check which was received on XX/XX/year>, but it was supposed to be paid by XX/XX/year>. But, I explained to my agent that my lender paid through the PDF on XX/XX/year> while I was on the conference call. 

So, my agent called XXXX to make sure that AmeriNat sent a check, but I told him that they couldn't have sent a check because I was on the phone while the lady told me she was paying it through PDF on XX/XX/year>. My agent called up my lender and told them that they were responsible for my cancellation for my house insurance. My lender told my agent that they would cover me until I found new insurance and they said they weren't going to charge me. But, I received a letter stating that I had to pay. I addressed the issue with my lender, but they said it was a mistake and they would still cover me with no charge. 

I was very upset so I told my lender that I was going to Neighborhood Housing to discuss my situation about them ( AmeriNat ). My lender felt bad and explained to me that it wasn't their fault because they declared they didn't have XXXX address, which wasn't true because I have been with XXXX for 6 years. I told them if they didn't have the address, how did XXXX receive the check. And my lender was speechless. 

Finally, I got in contact with my lender 's manager who is in charge of the taxes and insurance. I told the manager when the check comes from XXXX to me, I was going to purchase my own house insurance with the check. And he said it was fine. But, I am still upset because I feel like the issue is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The usda home loan reported in experian is showing as open when that account is closed, they also repirted the foreclosure started in XX/XX/XXXX when in reality is started in XX/XX/XXXX, these people are reporting a very high amount of balance including almost 50,000 in attorneys fees for which i shouldn't be responsible because i try to pay those prople for years but they rejected my payments just because they discriminated my soc sec household income for which they are under investigation, i meed you to investigate why these people is reporting wrin info iny ccredit, even though i can still buy a new home with a private lender and what they are doing is not taking that opportunity from me, i still want experian amd usda to report the truth in my report. Is not my fault that usda discriminate payments based on income type and have been sued before, but as you will see usda is the only debt in my report i have no problem paying anybody that dont discriminate XXXX income, usda is the only one violating my rights. I please ask you to investigate what they are reporting is a closed account as open and the trial was on XX/XX/XXXX, the forclosure started XX/XX/XXXX, they ate reporting it waz XX/XX/XXXX, Fortunately there are private investors that understand that banks and credit agencies do commit fraud and report wrong information just to hurt people ijust feel sorry, if you cant do nothing to help is good to know that by law it will be remove in two years anyways and regardless i can still buy a nrand new home, if usda dont want XXXX  incone payment others smart lenders will. I hope you can help these people should stop breaking the law just because they are full of hate too sad but is good to know that there are better lenders out there. hope you can help with this situation. Thank you.
Product: Credit card

I over paid in error XXXX payments of {$8000.00}. XXXX on XX/XX/XXXX and not knowing that I had already sent it I sent the same payment on XX/XX/XXXX. I am trying to get the second over payment in my account back. they have been telling me it is pending for XXXX  days now. Today they tell me they will process it today and it will take another XXXX to XXXX business days to get back to me. I told them tXXXX XXXX XXXX  it to me. I will have them deduct the XXXX  XXXX cost from my refund. They refused to do anything. I believe they think I am a nuisance and are trying to make sure I have to wait over a month to get my money. How long of an investigation does it take to see that there were XXXX payments made and only XXXX was XXXX Now I am carrying a large XXXX XXXXredit balance. They do not want to accommodate me the customer service is non existent.They will not take it to a supervisor or someone that maybe able to see I need my over payment.I should not have to wait a month for an overpayment.
Product: Student loan

I applied and was granted a discharge of remaining balance of these loans due to the proof I submitted that I was defrauded by my school. Ive been paying for years and have suffered unbelievable financial hardship. I want a refund of all monies paid to help me pay off my credit cards and maybe some semblance of savings and life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Someone overtook my PayPal account and sent thereselves {$1200.00}, my account is linked to my bank XXXX. Ive disputed with both of them and PayPal says it was sent to family and friends. I never authorized this I was hacked. Im going through XXXX right now for XXXX XXXX and Im on a fixed income so this has just been a burden on everything In My life right now I have rent due and my electric
Product: Student loan

Navient has raised my interest rate every 6 months, in XX/XX/2018 my interest rate went up .25 % which it now at 11.25 % I have repeatedly tried to contact them regarding this ... .they tell me too bad they can do anything they want. My other student loans with the Department of Education have been discharged because of my XXXX which Navient refuses to accept. XX/XX/2018 my interest rate went up .25 % which it now rest at 11.25 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts from my credit report because this accounts are not mine!! I worked so hard day and night just to have this on my report? No!! That's unfair to me because i don't own this account this is inaccuracy on my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the company in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results. The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT AN ALERT THIS MORNING FROM MY CREDIT MONITORING COMPANY THAT EQUIFAX THE XXXX THAT THEY ARE HAVE NOW PLACED 3 ILLEGAL OPEN INVESTIGATIONS ON MY CREDIT REPORT AND PLACED THE ILLEGAL STATEMENT OF " CONSUMER DISPUTES-REINVESTIGATION IN PROCESS '' THIS IS WHAT HAPPENS WHEN THIS CHEAP, ILLEGAL COMPANY SENDS ALL INFORMATION TO A FOREIGN REP IN ANOTHER COUNTRY THAT CAN BARELY SPEAK ENGLISH AND CAN NOT READ ENGLISH EITHER. 

I AM ATTACHING PROOF OF THEIR ILLEGAL REMARKS AND ILLEGAL INVESTIGATIONS. I NEVER ONCE REQUESTED AN INVESTIGATION INTO ANY OF THESE ACCOUNTS BUT THEY DO THIS OVER AND OVER AND OVER AGAIN BECAUSE THEY ARE TRYING TO INTENTIONALLY HURT ME BY PUTTING THESE FALSE STATEMENTS ON MY ACCOUNT. 

1. XXXX XXXX/XXXX ( THIS IS A STUDENT LOAN THAT IS NOT EVEN HANDLED BY THIS COMPANY ANY LONGER AND HASNT FOR YEARS AND WAS IN GOOD STANDING SO WHY WOULD I CHALLENGE THIS '' 2.  XXXX XXXX ( 2 ACCOUNTS ) BOTH CLOSED AT MY REQUEST, AND BEING HANDLED BY A DEBT MANAGEMENT COMPANY AND PAYMENTS ARE ON TIME SO WHY WOULD I DISPUTE THIS? 

EQUIFAX DOES THIS OVER AND OVER AGAIN AND IS HURTING ME. WHY DOES THE CFPB ALLOW THIS TO HAPPEN OVER AND OVER AGAIN. EUQIFAX IS DOING THIS TO RETALIATE AGAINST ME FILLING COMPLAINT WHICH IS MY RIGHT. 

THEY ARE IN PURE VIOLATION OF THE FCRA BY CONTINUING TO PUT THESE ILLEGAL REMARKS AND OPEN INVESTIGATIONS ON MY CREDIT REPORT AND I AM DEMANDING THAT IT STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX XXXX Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was XXXX days overdue and my XXXX XXXX dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXXs  loss mitigation team provided me. XXXXs XXXX  client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Product: Credit card

My XX/XX/2023 statement for my Bank of America Visa card showed a previous balance of {$940.00}, of which I paid {$930.00} on time. The statement showed an assessed interest charge of {$13.00} based on {$790.00} of balance subject to an interest rate of 19.49 % for purchases. This number didn't make sense to me because most of my balance was paid on time, and only {$3.00} of the balance was outstanding. 
On XX/XX/2023 I phoned Bank of America to ask how this balance was calculated and they told me they couldn't tell me that because the number was generated by their computer.
Product: Credit reporting or other personal consumer reports

Credit bureau did not report my payment on my credit report for month of XXXX XXXX XXXX 
The credit bureau reported that I missed payment for the month of XXXX for XXXX XXXX XXXX XXXX XXXX which is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called the bank to close my account in  XXXX  of  XXXX  ( I do not have the date on me now, but I can access it via phone records ) while the balance was {$0.00}. I found later that they never closed the account, and assessed fees for inactivity. I assumed it was an honest mistake.  <P/> I called again on the  XXXX  of  XXXX , I asked that the fees be refunded and that the account be closed as it should have several months prior. The fees were refunded, but the account was n't closed as I was told it was. I have email proof of the refund on that date ... BUT.  <P/> On the  XXXX  of  XXXX , I received another notice that the account was assessed fees for no activity in the account. It appears for a second time that I was told over the phone my account was closed, and they ended up not closing it.  <P/> This appears to me to be a deceptive practice in order to try to assess fees for account inactivity, when I have tried now multiple times to close the account when the balance was initially at {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2017 I've disputed the student loans reported on my credit profiles by Navient, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not reinvestigate the alleged accounts. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXXXXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? XXXX has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute