23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is calling regarding a credit card I have with Synchrony Bank. I have fallen into financial difficulty and they call me multiple times per day, everyday including Sundays. I have asked them to stop calling and they continue to call from robo numbers from the XXXX area. 

For example, on Friday XX/XX/XXXX the calls were as follows : XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX They call repeatedly, I am at work during the day and they will not stop harassing me by calling several times each day. I am aware of my debt and will take care of it when I can.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and came upon unauthorized collections and inquires under my name and would like these removed off of my credit as I have the right under the fair credit reporting act I will list such collections and or inquires belowXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of XXXX {$2.00}. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX balance of XXXX $ - XX/XX/XXXX balance of XXXX $ equifax XXXXXXXX XXXX  XX/XX/XXXX balance of XXXX {$5.00}. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX balance of XXXX $ XXXX XXXX XXXX XXXX  XX/XX/XXXX balance of XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance of XXXX {$10.00}. XXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX XXXX of XXXX $ And as The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. This act ensures that consumers have the right to access their credit information, dispute inaccuracies, and be informed about the use of their credit data. Under the FCRA, individuals are protected from unauthorized or inaccurate information being reported on their credit reports. In my case, the items currently listed in collections were not authorized by me, and I believe they are inaccurate. This unauthorized reporting has negatively impacted my credit score, and I am taking steps to dispute and correct these errors in accordance with my rights under the FCRA.
Product: Debt collection

Navy Federal Credit i s reporting a $  XXXX  {$150000.00} charge-off on my credit reports for an equity loan which was foreclosed on in  XXXX . I 've sent them a letter on  XXXX   XXXX ,  XXXX  ( received by them on  XXXX   XXXX  ) seeking substantiation of this debt of which I 've not received a response.  Navy Federal c ontinued to pursue foreclosure of our home in  XXXX  despite several attempts by us for a loan modificationthroughout  XXXX  and  XXXX . We then hired an attorney which  Navy Federal  chose to ignore and not respond. In a final effort to alleviate foreclosure, my husband tried to file for bankruptcy, but was dismissed by the court because the only debt issue was the home mortgages which the judge said should be handled directly with our lender   ( Navy Federal ).
We 've never received any notification by Navy Federal that this debt is owed, nor have we received any deficiency judgements against us for this debt. In fact, Navy Federal even   filed a  XXXX  for a forgiveness of this debt to the IRS.   Your efforts to have  Navy Federal subst antiate this debt are most appreciated.     Thank you.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address significant concerns regarding billing errors on my accounts as per the United States Code, specifically TILA ( 15 U.S. Code 1666 ( b ) ).

Upon reviewing my credit report, I identified multiple billing errors falling under the provisions of 15 U.S. Code 1666 ( b ) specifically, ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor; and ( 5 ) a computation error or similar error of an accounting nature of the creditor on a statement.

I am particularly disturbed to find discrepancies related to the notification period for statements. According to my understanding of the law, a creditor is required to notify me at least 21 days ( approximately 3 weeks ) before a statement is due. This notification failure has led to unwarranted late payments on the mentioned accounts. I hereby request solid proof from your records that substantiates these alleged late payments.

The following accounts have been adversely affected, and I insist on their immediate correction in my consumer report to reflect the accurate status as " paid as agreed '' : XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXXXXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to consumer protection laws, these accounts must be promptly updated or deleted from my report. Failure to do so will compel me to seek monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Additionally, please be advised that a formal complaint has been submitted to the Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX  and Federal Trade Commission. I trust that your prompt attention to this matter will help resolve these issues amicably. 

Sincerely, XXXX XXXX
Product: Mortgage

Nationstar Mortgage Company applied our XX/XX/XXXX mortgage payment to escrow. In the XX/XX/XXXX mortgage statement dated XXXX/XXXX/XXXX, Nationstar charged us a late fee of {$110.00}. I called them on XXXX/XXXX/XXXX to notify them that my XX/XX/XXXX payment is not late. Nationstar representative researched and found that my payment was applied to escrow and she said she will correct the mistake and also stated it will reverse the late fee. However, Nationstar reported my account as 30 days late to the credit bureaus.
Product: Student loan

XX/XX/2018 sent in two payments in the amount of {$60.00} XX/XX/2018 sent in two payments in the amount of {$60.00} These payments are done via electronic transfer American Education Services does not show any payments. 
XX/XX/2018 had the bank send proof of XXXX payments. AES still calling me daily. 
XX/XX/2018 called AES to confirm a resolution has been made. They received proof of 1 payment and applied it incorrectly. XX/XX/2018 had my bank send proof of the 2nd {$60.00} payment from XXXX XX/XX/2018 in my conversation with American Education Services they could not confirm that they received the 2 payment from XXXX, so now I have to call on XX/XX/2018 to confirm that they received the 2 payments from XXXX
Product: Checking or savings account

So I got notified that there is a closed account with Wells Fargo, that was opened in my name. I HAVE NEVER HAD WELLS FARGO EVER IN MY LIFE!!!! But yet they are trying to say I had an account, that is now closed, and has an outstanding balance? Ive reported to these people years ago that I didnt open this fraudulent account, but they refused to close it. I had all my information stolen from me twice in the past 5-7 years, which included my wallet, which had my SSN Card along with all my other stuff, while also my phone was apart of that as well.! Ive seen the numerous reviews of the same things happening to other people, but you never know for sure until its at your doorstep. They said the account ended in XXXX I guessand said over {$1200.00} was owed??? Like cmonjust know that this is in fact the course of action, my attorney has advised me to take, which is give them one final chance to rectify this situation, by deleting this fraudulent account and debt, by asking them on a public, government-run, forum so that the message is verified as being legit, and that if they dont comply, then litigation will commence, and that they will be sued to the fullest extent of the law allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate accounts with XXXX for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX
Product: Debt collection

i received an update on my credit report and I now have a collection reporting from a company names Midland Credit Management. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes.

particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to the several attempts I have made to Transunion to remove the multiple inquiries that's showing on my report. I have sent certified letters ( XXXX & XXXX ) to Transunion with a copy of my ID and SS card and proof of my current residence. I advised also by phone that these are not recognizable inquiries and it is impacting my credit score. I also advised in a certified letter that there is a bankruptcy that is showing on my credit file that needs to be removed. I contacted the US bankruptcy court to ask them about a case that's showing on my Transunion and XXXX  report, I was advised by the clerk that they do not report information to the credit bureaus. I called back ( XXXX ) to advise that the information that you are reporting on my file is incorrect and needs to be removed. I received a letter in XXXX stating that my inquiries and Bankruptcy came back as verified. I sent another letter in XXXX asking them to please send me proof on the evidence they attained to verify if any of the information was indeed mine. I have yet to receive a validation from XXXX or Transunion.
Product: Student loan

On XX/XX/2024 I Received a letter from MOHELA Stating that based on my Borrower Defense case for Sweet v Cardona I would have 0 % of my loans discharged, leaving my full amount of loans unpaid through MOHELA. 

This letter directly contradicts the email I received on XX/XX/2024 and letter from XXXX XXXX on XX/XX/2024, stating that I have received full refund through my borrower defense case and 100 % of my loans were forgiven per XXXX XXXX on this date. I have also spoken to representatives for this borrower defense case who confirmed that my loans are 100 % discharged, and that they have sent this information to MOHELA, also informing me that the only reason my loans have not been removed as of yet is because my loans were consolidated which makes it more of a timely process for MOHELA to discharge them. 

I also spoke to my previous loan servicer, XXXX XXXX, who also states that my loans were entirely forgiven and discharged, and that MOHELA should be discharging them and to give them time. 

It is clear that MOHELA has made a mistake either knowingly or unknowingly. The Department of Education is the entity that has determined my loans should be discharged based on my XXXX case, not MOHELA. 

I have even received a refund from The Department of Education for payments I have made on these loans since they have been forgiven. 

My Borrower Defense case # XXXX My MOHELA Account # XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been on hold with Capital One for a total XXXX hours this morning. It is difficult to take action or speak with them if they don't answer the phone. They have not disbursed my direct deposit. I should have had a direct deposit of {$2100.00}. They have not been transparent about the technical difficulties with their systems. There is no timeframe for resolution. As investors in the financial institution, we are owed access to our funds and a reasonable explanation when issues do arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

Payments were made on their portal using two different bank institutions. One to pay the amount due and one to pay extra on a loan not in repayment. The payment of XX/XX/XXXX for {$5000.00} is now showing reversed. The payment for {$740.00} on XX/XX/XXXX for amount due got a confirmation email but now not showing up under account history at all. Called the company. They said it was my bank 's fault as might be due to insufficient funds, which would not be the case. Called the banking institutions they said they never got any transaction at all. Called back the loan company who said it was due to invalid account number. The account number is saved and was processed with successful payments for prior months. Now they are saying both bank institutions have invalid account numbers and that it is not a problem on their end.
Product: Money transfers

Ebay incorrectly thought there was " unauthorized use of " my '' account '' They wanted me to change all private information. They said they were going to remove all listing ( attached ) .some items were already sold and paid for. I called and told them there was not a problem. do not delist items. The next day I relisted items. They delisted those new items as well. The end result was that Ebay asked payPa for Money Matching the items sold. Paypal Gave them the money. They said they had to and neither company wants to refund money.l
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( XXXX ) and XXXX ( Transunion ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both Transunion and XXXX. In XX/XX/XXXX it dropped drastically.It dropped 92 points for XXXX and 91 points for Transunion. It stayed this way over a course of 3 months for Transunion and then made a drastic leap from XXXX to XXXX. For XXXX, it increased from XXXX to XXXX. My score remained consistent for XXXX   four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XX/XX/XXXX or XX/XX/XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... Transunion ( -XXXX ) and XXXX ( -XXXX ) .It seems that no matter what I have done to do the right thing and stay afloat, XXXX and Transunion has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of XXXX 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company calls my work phone and cell phone back to back XXXX4 times daily. I attempted to call this company to make arrangements and they refuse to give me their mailing address to mail in payments. I was advised the only way they would accept payments was via my bank account or via XXXX XXXX which will cost me more money than is necessary.
Product: Money transfer, virtual currency, or money service

In XXXX I was scammed with a sale through a website, the purchase never arrived and the sellers disappeared after paying through XXXX with my Bank of America account. I filed a report with the police and called the bank, I felt totally unprotected and helpless. Bank of America washed their hands of it and said they could not return the money or provide any information about the scammers. I believe that they only protect this type of misdeeds, because the transaction is convenient for them. It was buying my children 's toys. Nobody cared.