23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/, XXXX XXXX XXXX XXXX working as an agent for the XXXX at XXXX XXXX XXXX XXXX XXXX sold our home without giving us a new sales date after our Chapter XXXX end on XX/XX/. They sold our home the next day at XXXX XXXX  on XX/XX/. According to state law, the sale was subject to a 60 day redemption period. We were never informed of the foreclosure sale and we never received the Certificate of Sale which stipulates the sale is subject to the 60 day redemption period. One of our neighbors in the XXXX at XXXX XXXX XXXX was given a Certificate of Sale and was able to redeem their home. This occurred in XX/XX/XXXX. They were XXXX. 
We believe that blatant racial discrimination is the reason why we did not get the notice of sale nor the certificate of sale. We are XXXX. We are also both XXXX years old and this is also Elder Abuse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/2019 Account shows a balance when the account has been PAID IN FULL. Never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XX/XX/2023. XX/XX/2023 XXXX, Experian, and XXXX stated I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor XXXX XXXX, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and I did not settle for less but XXXX said they can't do anything. Experian said they will attach the document but that's it. XXXX said they cant do anything. My XXXX XXXX keeps dropping.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
DEPTEDXXXX XXXX  DEPTEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX  XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX XXXXXXXX XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : Not mine
Product: Credit card

I rented a car for a work trip through XXXX and prepaid for a car rental. I picked up the base model car XXXX and had it through XX/XX/year>. I prepaid for the car rental through a credit card for the full amount. When I went to pick up the rental car at XXXX, they wanted a card held for " incidentals or damage '' so I gave them my US bank credit card ( a different credit card then the one I used for XXXX ). After the airport drop off of the car ( a completely unsecure lot at XXXX with no one to check it in for return and no one checking it out upon exit on XXXX ... I had a {$400.00} extra charge added on my US bank card when I already prepaid for the car rental for XXXX for XXXX dollars for a base model XXXX XXXX. They receipt for the charge stated it was for " exterior washing '' which makes no sense nor a charge that high. I got a XXXX from XXXX after the check out and included all of these details because I called to speak with someone at the XXXX XXXX XXXX and no one answers the phone and the voicemail box was full ... I only received an email back from the Airport manager at XXXX because of the survey and details but they then stated the {$400.00} charge was due to the check in detecting smoking, which I replied to no way I don't smoke and I would have noticed that right away. They never replied to my email. I disputed the charge with US bank and gave them all the details, dates, everything that happened, correspondence and also XXXX different answers about the extra charge to which I was replied to they would dispute it but " it happens a lot with rental cars and they just do whatever they want these days with automated services like those pick ups '' I told them I don't accept that ; I didn't warrant any extra charges and they " don't get to just charge and do whatever they want '' and where is the customer protection? Isn't that what dispute is for is helping their customers? They said they would close the case and I need to call and reopen it. I've been on the phone now XXXX different times with US Bank opening and disputing this silly bogus charge ; they closed the case saying they don't have enough information and I should contact the merchant. The merchant XXXX doesn't reply. None of this is ok. Both sides aren't helping the consumer XXXX and all I did " wrong '' was renting a car and having a terrible credit car company. I prepaid for the junky base model rental car for almost XXXX from an airport and got charged another XXXX for no reason- so technically paid over XXXX for a 3 day XXXX XXXX with no damages done and a tank full of gas and a little bit of driving. All I'm kindly asking is my {$400.00} erroneous charge to be refunded to me since it was erroneously charged. I don't feel that is too much to ask ; in fact I would love to think you would be the company to stand up for us the consumer to assist us in continuing in fairness in equal exchange of goods and services actually rendered. Please help me. Thank you
Product: Student loan

To make a long story short there's multiple problems with SallieMae. 
I've tried working with them to refinance my loans for new terms and they refuse to do anything about it even though they've been getting paid for a little close to a year and half now. Also they wont release my cosigner even thought I've made more than the minimum payment in the last year and half. Additionally, they let me keep placing my loan in forbearance making it really hard to get out of debt by taking advantage of me know aware of the results that I'm dealing with now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. XXXX Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Mortgage

My HELOC from a number of years ago was transferred from XXXX to Ocwen as soon as the loan closed. In 2013 my Bankruptcy cleared the lein but the lein/Deed of XXXX was not reconveyed. The lien still reflects against the property. Ocwen says they dont have/never had that loan. they say they have nothing to do with the property. They wont provide a payoff ( even if I offered to pay it if needed ) and wont provide a reconveyance. I have provided documentation proving they did have the HELOC and they refuse to help. 
I am trying to complete a refinance and am getting no assistance from Ocwen
Product: Prepaid card

I have n't been able to access my money for more then a week ca n't pay my bills my work paycheck goes into account rush card is not answering my calls keeps hanging up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with Old navy credit card and I continuously receive the run around. I called and spoke with a rep last year regarding this account. I paid the account in full and asked that the account be closed at the time of that call. After reviewing my credit report and researching on my own when I paid the account in full and asked for it to be closed the rep should have notified me that the amount I paid was the not the full balance. So basically from XXXX until XX/XX/2019 XXXX XXXX was reporting late payments stating that I owe them XXXX $ ( XXXX ) dollar. I had no knowledge of this until I saw my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurat
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! PYOD LLC, XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Bank account or service

Sometime during the morning hours of XXXX/XXXX/16, SunTrust Bank closed an account I had recently opened with a balance of {$3900.00} and mailed me a check for that amount. When I called/online chatted with SunTrust regarding this incident, I was not given a reasonable explanation. A Customer Service Supervisor I spoke with named XXXX stated that SunTrust, at their discretion, has the right to close an account at any time. I asked for her supervisor, whose named I later learned was XXXX XXXX, reiterated this response but also stated that SunTrust closed the account because they wanted to terminate any relationship with my wife, a coappliant on this account. I stated that my wife has done business with SunTrust for over 5 years and only recently closed her account when we moved from XXXX to XXXX. XXXX declined to provide further details about why the account was closed. Does SunTrust truly have the " right '' to close my bank account at their discretion without at least contacting me first to inform me of their decision. Do I have the right to know why they made this decision? Please help.
Product: Credit reporting or other personal consumer reports

I am attaching a New FTC report created today listing XXXX fraudulent accounts someone did in my name. XXXX systems alerted me that my older FTC report submitted through CFPB drivers license and social security attachment would not open. With me filling this FCRA in accordance to a XXXX block I know that it is of serious importance for me to verify my identity and this complaint as I will in the attached you will find here with the updated FTC report to get these XXXX items XXXX inquiries and fraudulent address blocked under XXXX XXXX day block! I do apologize for the inconvenience on my end as I hope this will bring a quick resolution.
Product: Debt collection

I received an alert that this was added on my credit report. I have never heard of the original creditor or the collection agency. I filed dispute with XXXX  and 2 days later all they did was update the information to match the information on the other credit bureaus. In other words this collection was not accurately reported. I have not received any documents or any calls. I even filed with the XXXX. This company on their site has an overwhelming list of complaints for adding false information and false reporting. This company is known to scam and it is causing me stress because I just finally cleared my credit not even a month ago and all of a sudden this account just appears out of nowhere. I need this deleted or removed please. I do not own this debt and didn't have any documents to support that this is mine because I have never heard of either said company. It says amount owed {$810.00} as of XX/XX/2022. Company name of original debt XXXX XXXX XXXX XXXX FL and debt collector Consumer ADJ CO.
Product: Debt collection

They made contact XX/XX/2021. I sent them a certified letter XX/XX/2021 to verify debt. They have not responded at all, have not removed the debt, and they are just tried to contact me. I answered, they hung up. The only reason I knew it was them is because I called back.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing this statement myself. The following collection and incorrect information should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the collection and incorrect information listed IMMEDIATELY. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX.
Product: Student loan

Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?
Product: Checking or savings account

On XX/XX/2020 a Debit card transaction for {$120.00} posted to my checking account for a " XXXX XXXX Texas '' transaction. On XXXX XXXX,2020 contacted Chase Bank disputing the charge and a reversal was done pending an investigation, my debit card was cancelled and a new one issued. On XX/XX/2020 a claim reversal was done applying the {$120.00} back into my account. XX/XX/2020 contacted Chase whose explanation is a " chip  '' Visa card was used at the location where the charge took place therefore legitimizing the transaction. I have never, either now or in the past had services rendered from this vendor and I have not loaned my debit card to anyone. I am XXXX  years of age and due to Covid 19 this was a time of " lockdown '' in the city of XXXX Texas therefore both my wife and I were not leaving our home other than for groceries and medicine. I have been a client of Chase Bank for more than 20 years and my balances have been modestly substantial and {$120.00} will not put me in financial stress however I did not authorize the charge and I would like my account credited said amount. 
Chase refuses to do anything because they are unable to get the funds reversed to them from VISA which tells me they could care less about my claim being honest and genuine. So, being the little guy I have to take the loss because Chase Bank and VISA can  substantiate a computerized report without verifying or talking to the vendor. I am very disappointed in the manner Chase Bank has chosen to handle this claim and their refusal to look deeper. Any assistance you can provide will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/20XXXX 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
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX Lot XXXX XXXX, AZ XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX : XX/XX/1989. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up in regrads of the multiple attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. Provide written confirmation once the fraudulent items have been successfully removed. Investigate the source of these fraudulent entries to prevent similar incidents in the future.Therefore, I expect a swift and diligent investigation into this matter. I am asking for your help to remove these fraudulent items in my credit file :XX/XX/XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX ;XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ; XX/XX/XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX.