23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I overdrew my checking account. I had sufficient funds in my money market account to cover the overdraft but the bank chose instead to take the funds from my overdraft protection line of credit and charge me interest. Their excuse to me was that my money market account was n't linked to my checking account. I had been told previously by local bank people that it would automatically come out of my money market account. I believe that this is a fraudulent practice by the bank to make more money at the customer 's expense.
Product: Debt collection

I have been trying to resolve a adledged debt on my credt report that was assigned to LVNV Funding LLC/Resurgentance. First I was never informed of the adledged debt before seeing it on my credit report. I then disputed it with all 3 credit beruaes, The only thing i got was  from the credit beruae saying verified. I then wrote two letters to LVNV themselves with no response. I then sent a certified letter that was returned to me. My issue is other than no communicate is that they are reaging the adledged debt by reporting the date it was assigned to them and not the correct dates that it was opened and went into collections. I did get through on the phone once and they were extremely rude swearing at me and threatening me if I didn't resolve the issue right that moment. Very unprofessional, noresponses, incorrect information. Companies like this should not be aloud in business. People due fall on hard times but when trying to deal with it should at least be treated with respect and communications. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
<P/>
I sent a RESPA Letter to New York Community Bank and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ... New York Community Bank was receiving payments but NOT posting them timely to my mortgage account. In addition, New York Community Bank withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
<P/>
I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any hard inquiries on XX/XX/2022 and XXXX XXXX
Product: Credit card or prepaid card

Credit Card refuses to dispute charges From XX/XX/2021. One in the amount of XXXX with XXXX and an additional amount of XXXX placed by XXXX. The merchants agreed to approve the dispute but creditor did nothing.
Product: Credit reporting or other personal consumer reports

ATTN : Equifax Consumer Dispute Department I have attached this statement to the letters I am sending your company as verification that I am who I state I am, and that I have attached my photo ID and Proof of Address to this letter verifying my identity.

l am aware of your company sending out a response letter asking for verification and authorization of who is sending my letters, maybe as a way to dissuade me to challenge the inaccurate and incomplete information being reported on my credit report by you. 
l am fully aware of which accounts are being challenged XXXX my letters and I know l have the right to have them investigated, so please do not attempt to violate my consumer rights with response letter such as the kind I have received in the mail. 
Please investigate the account i have in my letters accordingly.
Product: Debt collection

I Am XXXX XXXX Consumer, Natural person and original creditor received a called from southwest credit stating that I owe a debt.I never gave written consent for them to call and I have proof that I was called several times ( screen shot of call log and audio recording ). Pursue to 15 USC 1692d ( 5 ) this debt collector has called me several times which is harassment. they have called at very bad time the has put me in troublesome situation. Pursue to 15 USC 1692c ( a ) ( 1 ) at debt collector no not communicate at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Also, this debt was already paid for via my credit card also known as my social security card, Pursue to 15 USC 1602 ( l ) a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Southwest credit is trying to obtain money for something that was paid through my open- ended credit plan which is theft. They stated owe a debt which is a violation of my right 15 USC 1692b ( 2 ) no debt collector shall not state that such person owes any debt.
Product: Mortgage

Loan Depot experiences higher than acceptable issues with their services, accounts, and platform. 
In stating such, they are not held accountable in any way and their customer service goes on to blame the customer for issues encountered. 
On multiple occasions, I have been unable to post payment on my loan, due to tech issues on their end. 
They go on to make unauthorized withdraws from my account, to include withdrawing my payment multiple times at once. Then crediting the funds back, but then going on to inform me that my payment is late. 
They will then report you a delinquent on your credit, stating that they had no tech issues at all. 
I confirm with my bank ( XXXX ) that funds were present and no issues were encountered on the banking end. 
However ... Loan Depot creates the one and only negative payment report on my credit and denies any and all responsibility, all while charging me late fees. 
Loan Depot not only needs to remove the report, but needs to be help accountable for making unauthorized withdraws from my personal bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Date of Birth is XX/XX/XXXX. My social is XXXX. Please do not respond to this complaint saying you can not locate me in the system as I know this is a stall tactic and i provided my ID for this reason. I reached out to XXXX XXXX on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. I then sent them another request with validation on with tracking number. I received the enclosed information. I filed a CFPB complaint on XX/XX/XXXX advising that the information was not validated. They responded advising that they validated the debt by sending the information that was merely the name of the original creditor and alleged dates of service and amount owed. I filed another CFPB complaint on XX/XX/XXXX advising that XXXX has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. 
I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. This company violated my privacy in which I am protected under HIPPA laws. They sent my medical records WITHOUT a HIPPA release form. I never gave XXXX XXXX XXXX permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. 
This company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 
I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Since you are the reporting agency reporting this information that is inaccurate and violating my rights I will include your company in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
These accounts need to be deleted off my credit report expeditiously : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My lease terminated on XXXX 
On XXXX I received payoff letter ( attached ) for the amount of {$22000.00} good till XXXX 
On XX/XX/2023 I made an online payment to Lexus XXXX for the full amount indicated on the payoff. 
On XXXX Confirmation was received from Lexus XXXX of payment received. 
As of today I have yet to receive title to the vehicle. 
Call to Lexus have not been successful in obtaining resolution. 
Lexus has instructed me to proceed to a dealer to purchase the vehicle and that they will return the payoff payment. It's been almost 2 months and I have yet to receive the refund. 
I have been forced to extend the lease because Lexus was reporting that my payment was overdo. I am now {$22000.00} out of pocket as well as having to make monthly payments in order to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called Navy Federal and confirmed that I did not have any outstanding loan balances with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went with my son to XXXX XXXX so he could buy himself a vehicle. My sons credit was keeping him from making the purchase. The salesmen told me that if I cosigned the loan it might have a chance of going through. I did and it was approved. My understanding is that I am not responsible for this loan UNLESS my son defaults on the loan. This loan turned up on my credit report as mine. They also listed my sons employer as my employer. I have been retired since 2014 and never worked where my son works. I have disputed this on XXXX XXXX  twice and both times they said it was mine and is staying on my report. This is my third attempt to correct this error.
Product: Debt collection

On XX/XX/2023, my credit was hit with two amounts at the charge of {$2000.00} and {$2200.00}. I am contacting yall because I know this was fraudulent charges and other people have experienced from the same company. The company name is ( XXXX XXXX XXXX ). I have never had credit in my life and I have never tried to get credit at any amount especially like this. My contact number is XXXX for any further information of mine needed.
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX XXXX of initially reporting AND of re-reporting this account to the XXXX XXXX, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ XXXX U.S.C. XXXX ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. 

XXXX XXXX by law Disputed Items below should be Deleted in my credit report Immediately!
Product: Credit reporting or other personal consumer reports

Account Details : Creditor : DEPT of Education / XXXX  Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. This account does not belong to me and is causing significant harm to my credit score and overall financial well-being. Below are specific sections of the FCRA that support my request for the removal of this erroneous account : Section 611 ( 15 U.S.C. 1681i ) : Procedure in Case of Disputed Accuracy Under this section, if a consumer disputes the completeness or accuracy of any item in their file, the credit reporting agency must reinvestigate and record the current status of the disputed information or delete the item from the file within 30 days of receiving the dispute.

Section 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of Furnishers of Information to Consumer Reporting Agencies This section requires furnishers of information to report accurate information and mandates that they correct and update information provided to consumer reporting agencies to reflect the most complete and accurate information available. If the information can not be verified, it must be promptly deleted.

Section 605B ( 15 U.S.C. 1681c-2 ) : Block of Information Resulting from Identity Theft As this account is potentially fraudulent, under this section, I have the right to request the removal of this information from my credit report.
Product: Debt collection

XXXX XXXX XXXX sent a hospital bill to a 3rd party reporting agency. Once that was done the original creditor wrote off the debt. A debt on my consumer report according to 15 USC 1692 a is abuse, deceit and unfair debt collection practice. I was harassed for a debt that wasnt validated and have suffered XXXX  XXXX as a result.
Product: Payday loan, title loan, or personal loan

I have PayPal Credit. A feature they advertise is that if you buy something, you get 6 months no payment/no interest. I made two purchases through PayPal with PayPal Credit. PayPal Credit refused to apply the no payment/interest promotion to these purchases. This is because apparently if you choose to pay for goods and services through the " send money '' feature on PayPal they do n't qualify. PayPal never made this explicitly clear when they changed their terms, not do they warn you when you pay for the transaction. It is deceptive advertising for them to say it 's 6 months no payment/interest over a certain amount when PayPal purchases ( which is what you use PayPal credit for ) do n't qualify. It 's a scam.
Product: Mortgage

HSBC MY ACCOUNT WAS HACKED SO THEY TOLD ME TO CLOSE MY ACCOUNT WHICH I DID IN THE MEAN WHILE I HAD A MORTGAGE GOING THRU THE VICE PRESIDENT OF THE BANK IN XXXX NY TOLD ME NOT TO WORRY ABOUT IT WELL THE CHECK BOUNCED BECAUSE MY ACCOUNT WAS FROZEN SO I PAID IT THRU MY XXXX  ACCOUNT BUT WHEN THEY REJECTED MY PAYMENT THEY NEVER PUT BACK THE MONEY IN MY ACCOUNT I HAVE CALLED EVER SINGLE DEPARTMENT IN THAT BANK AND NOONE WOULD HELP ME CAN YOU PLEASE HELP ME GET BACK MY MISSING MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Product: Vehicle loan or lease

Hi, This is my 3rd time requesting this information. Your customer service representatives keep giving me the run around. 

May I please have the agreement that was set in place for the security interest on my XXXX  XXXX XXXX? 

DO NOT send that retail installment agreement. That is not what I am asking for. If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. 

My email address is XXXX Thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

hello i owe debt to a bank which is named pnc bank it was a negative balance in my account that i did not owe they closed my account down with a negative balance in there and said i owed it i owe no balance i only just got pnc in XXXX i feel as if maybe somebody tried to get into my pnc and use money that was not mines or didnt belong to me therefore isnt my debt at all
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN COLLECTIONS ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED SEVERAL COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE COLLECTIONS ACCOUNTS LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THESE ACCOUNTS, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE COLLECTIONS : IF THE ACCURACY OF ANY OF THE IDENTIFIED COLLECTIONS ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 
I WANT TO EMPHASIZE THAT THE ACCOUNTS IDENTIFIED AS BELONGING TO THE THIRD-PARTY DEBT COLLECTOR WERE ACQUIRED BY THEM AND DO NOT HAVE ANY CONNECTION TO ME. I HAVE NEVER CONDUCTED ANY BUSINESS TRANSACTIONS WITH THIS DEBT COLLECTOR, AND THESE ACCOUNTS DO NOT REPRESENT ANY VALID FINANCIAL OBLIGATIONS ON MY PART. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 
PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX.
Product: Credit card or prepaid card

Way to go bank is a card holder for XXXX XXXX  for government benefits. I had fraudulent activity on the account now they are refusing to send me a new replacement card and charge back on the transaction dispute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX