23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX and XX/XX/2019 I began receiving notifications from credit monitoring service that a collection agency Contract Callers Inc., had added a negative account to my credit file. This was for a XXXX phone account claiming I owed over {$1300.00}. 

On XX/XX/2019 I contacted Contract Callers via phone @ XXXX. I informed the person that my debt with XXXX had been canceled. I was calling to ask that they remove this negative information from my credit file. 

The person I spoke with stated they would accept payment. She also stated she was representing XXXX and suggested if I had any issues or concerns that I call XXXX. 

I informed her that they were about the 2nd or 3rd collection agency that had attempted to collect this debt. Both of the other companies deleted the debt because there was no valid contract. 

I asked for validation of the debt since they were claiming to represent XXXX. She said if I had any issues, I should contact XXXX. I informed her that I would be filing disputes with the credit agencies and they needed to show a contract existed and verification of the debt. I then hung up very upset after this call. 

I filed the dispute days later stating the debt was cancelled with the original creditor, NO Contract and because this was a cell phone bill, the federal statue of limitations of 2 years has been reached ( This claimed contract would be approximately 4-5 years old ). Contract Callers returned a response today with XXXX stating the debt was valid and this debt remains on my credit file. I also filed the same dispute with the other 2 major credit reporting agencies. 

Contract Caller 's has not provided any contract or validation. They also have falsely stated this debt is valid. This appears to be their tactic with consumers to try and force them to pay these collection debts that they have procured. As a consumer, we are left helpless to these unscrupulous practices. They currently have over 150 complaints filed with the XXXX XXXX XXXX. As a consumer, I am asking for your assistance in getting this " collection agency '' to accurately validate and report debt to the credit reporting agencies or no longer be allowed to practice as a business with access to consumers credit files.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXXXXXX XXXX ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the customer financial protection Act ( CFPA ). Specifically, XXXX XXXX  failed to take timely and effective measures to prevent and address fraud or their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am a victim of identity theft. My information was stolen and compromised in the XXXX data breach and other breaches. 
XXXX XXXXXXXX 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

Asked company to investigate and remove incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian and XXXX credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Applied XX/XX/30, was approved XXXX for a PPP loan. I signed loan documents XXXX with XXXX / XXXX XXXX as the lender. It has been over 18 business days and I still have not been funded. I have created OVER 20 support tickets to be contacted, called XXXX XXXX for a call back, in addition to emailing the CEOS of XXXX and XXXX XXXX with no response. I have a loan number on the XXXX  website, but no movement as far as funding
Product: Debt collection

This card was part of a bk ( {$3800.00} XXXX XXXXXXXX XXXX XXXX  ) Gurstel Law Firm P.C. sends me to voice mails. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery.

- Request for Lien Removal Attached is a copy of the court doc removing our attorney THURSDAY, XX/XX/2020 XXXX XXXX  XXXX3rd Written Request - multiple calls no return>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, CAPITAL ONE, is currently showing 30 days late on month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Navy Federal Credit Union without consent, knowingly and willingly wrongly furnished inaccurate information to my persons credit file to multiple enties. They have been asked to provide a document under penalty and perjury attesting to and displaying the drawer of the funds. They have been asked to provide the retail installment contract from any dealership bearing creditor as a borrower. They have been demanded to provide a power of attorney notarized bearing my wet signature. They have been asked to provide the actual document displaying the real source of the funds. They have been asked to provide proof of perfected interest and any other documents to show them as a lender of THEIR PERSONAL assets, bonds, stocks to claimant. Nothing has been received that was requested. There is no possible way a charge off exist if they stole my principal and interest in a constructive trust. The account is paid in full as reflected on the receivables. The payables are not the same. I am due what is actually reporting on the credit files. Failure to perform and no value of consideration was given. Also to purport as a lender and in actuality is a borrower is fraud and tila violations. Navy Federal Investment Servives, Navy Federal Financial group, its brokers have never instroduced themselves nor shared what they are doing with my person financial Asset. They have also been asked to immediately balance the account. They refuse. Fcra violations.
Product: Credit reporting or other personal consumer reports

i contacted XXXX, XXXX, and experian over 6 months ago and never received any update to my about my credit file. these companies continued to report fraudulent activities to my account without the proper authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding LLC garnished large amounts of my wages from my job. I am a single mother and never had another income or child support. This company did not list who they bought my debt from or what I owed for. It was delivered to my job from XXXX XXXX XXXXXXXX XXXX and I am in XXXX XXXX. Several hours away. My XXXX XXXX XXXX XXXX that prevents travel much of the time and I work over nights. If Id gotten appropriate notice and who I owed, I could have potentially gotten it figured out. My family suffered major hardship from this. I had a XXXX  that was scheduled quickly after most of this garnishment came out so I wasnt even capable to save for that. My boss knocked me to part time, they will never admit to this being the reason but a bit too coincidental.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased workout equipment on a website ( XXXX ) I found via XXXX banner and purchased with my Chase Bonvoy card. Soon thereafter I realized the website was fraudulent and tried to email and call the company but no response. I also went to their website to initiate online communication and had no response over 10 times. 

XX/XX/XXXX I contacted Chase customer service to file a dispute and they instructed me that I needed to wait the charge went from pending to cleared. 

XX/XX/XXXX Called chase dispute phone number and they would not process a dispute and told me I needed to call back in 15 days. In addition I waited over 15 min to get ahold of someone. I repeatedly told them I did not want to wait 15 days and the representative told me to wait 15 days. 

I feel strongly based upon the tone and actions of Chase that they are discouraging me to make a dispute and find an adequate action to recoup the {$440.00} I was fraudulently charged. 

Thank you.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo for their failure to address a dispute related to my account. Despite my repeated attempts to resolve the issue, Wells Fargo has been unresponsive and ineffective in processing my dispute. 

On XXXXXXXX XXXX I attempted to dispute a transaction of XXXX ], which I believe was either unauthorized or incorrect. After following all the necessary steps and providing the required documentation, Wells Fargo has not provided a resolution. I have contacted their customer service multiple times through phone calls and online chats, but there has been no meaningful progress, and I have been left without clear communication regarding the status of my dispute. 

This lack of action has caused me financial inconvenience and frustration. I request that the CFPB assist in ensuring that Wells Fargo addresses this issue properly and processes the dispute according to the regulations governing consumer protection. 

Thank you for your time and attention. 

Sincerely, XXXX
Product: Student loan

On as many as four separate occasions the payments I made towards my student loans we misapplied to a closed account in my husband 's name. The payments were paid through an online bill system in my name only. The account number was marked on the payments. The bank, the bank account, and the method of payment has not changed in years, so why would random payments be applied towards another account that had been closed for several years? 

I discovered the misapplied payments by accident. I actually opened one of those " payment received '' emails Navient sends after payment has been made. I receive them monthly, but don't open them as the subject line satisfies my need to make sure the payment was received. For some reason, I happened to open the last email they sent out to me. To my surprise, the email was thanking XXXX, my husband, not me ( XXXX ) for payment. This confused me and I began digging. 

I called Navient and their response was ridiculous. Navient acknowledged the misapplied payments. However, Navient claimed the misapplied payments were due to my bank. Navient stated that they refunded the money to me in the form of a check ; no checks have been received. Navient refused to apply the money to the correct account. Navient made it seem as if the misapplied payments were not a big deal because my account has been in forbearance. Yes, but I still make monthly payments to reduce interest. The misapplied payments mean that the interest is higher on my student loans and my taxes are not correct. I made those payments correctly, they applied them incorrectly! 

Dates of misapplied payments : XXXX {$210.00} XXXX {$210.00} XXXX {$310.00} XXXX {$310.00} The issue has not been resolved.
Product: Debt collection

On XX/XX/2023 someone was able to access my personal account and open up a " business account, '' making a number of fraudulent purchases. 

I immediately called XXXX to report the fraudulent purchases and they assured me that they would open an investigation. They apparently did not and sent it to a collection company called ; " Credit Collection Services '' at XXXX XXXX XXXX, XXXX, Massachusetts, who are now harassing me over this debt. 

According to Credit Collection Services I owe {$5200.00} This is not a debt I owe. This was all fraud.
Product: Credit card

In XXXX 2015 I paid off my credit card balance of XXXX online. Then Iclosed my account with CapitalOne with that payment. Then all XXXX sudden in XXXX 2015 I began to get series of phone call fromCapitalOne that I should call them to discuss my account. For some time I ignoredI ignored the calls as I know I do not have any account with them tobe discussed. When the calls did not stop I decided to access my acct. 
with the company to find out what the calls were all about. To mygreatest surprised I was shocked to find out in my account that I am stillowing {$190.00} and that made me to call the company to dispute theamount. I spoke to XXXX who decided to wave the {$190.00}, butdemanded that I should pay the minimum payment of {$94.00}. Heasked me to vow that I will make the {$94.00} minimum payment. 
I called the next day that I was not going to make the {$94.00} payment. Icame to this decision because I was beginning to believe someone wastrying to SCAM me.
Product: Credit reporting

I have several incorrect addresses on my credit report. Equifax says I have to supply my driver license, utility bill and proof of address. I subscribe to Equifax 's credit monitoring. They know exactly where I live and how long I have lived there. This is just a stalling tactic.
Product: Credit reporting

I was talking with a mortgage company about checking rates and told them specifically and directly to not put a hard knock/inquiry on my credit. When I checked my credit report, they had not only done it once, but put a hard knock/inquiry on it twice. The company is XXXX XXXX XXXX XXXX and they put the inquiry on Transunion. While other credit companies provide the option to dispute hard knocks/inquiries, transunion 's online portal does not. Upon these two hits my credit score plummeted from XXXX to XXXX!!! 

If there is any assistance you can provide, please do. I closely guard my credit score and hate that this company put hard knocks on my credit after explicitly telling them not to.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. I have noticed that transactions related to the XXXX account with the number XXXX have been incorrectly marked as late payments. I also find it in very bad taste that the credit bureau reports these things knowing that it is a violation of my rights as a consumer and a violation of my privacy. 

It was also reported in experian, XXXX and XXXX.
Product: Mortgage

I have a mortgage with American internet mortgage ( AimLoan.com ). I was approved for the XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) in XX/XX/2022. The government program sent a payment of {$16000.00} to my mortgage company on XX/XX/2022. XXXX said it should take only 2-4weeks max for the payment to apply to my account and get my loan current. Its been almost four months and the payment has not been posted to my account. Ive called AimLoan at least 50 times trying to see where the payment is, and they keep telling me that they havent got it yet. XXXX said that the payment was received by AimLoan. Every time I call AimLoan, the representatives know nothing. I called at least 10 phone numbers, and each person I speak to, sends me to another department. They just dont know what theyre doing
Product: Checking or savings account

On XX/XX/XXXX  I responded to an email that had offered a free item if I paid shipping and handling of XXXX. Too good to be true yes. I received a notification about the XXXX being taken out of my cash app debit card and then about ten minutes later I received another notification that the same company took another transaction of XXXX. I immediately contacted cash app and was told I had to wait to dispute the transaction since it had not been completed and as soon as it did I completed the dispute but never heard anything about it. Even though I contacted cash app customer service many times up to date. Cash app will never give me a answer and they still have not refunded my money either.
Product: Debt collection

Navient has been calling me 10 times a day from multiple phone numbers. I am also current with my student loans with them, they are harassing me for my scheduled payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the payment history associated with the account : XXXX XXXX Open Date : XX/XX/year> I believe the reported payment history is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported payment history associated with my account.

2. The provision of complete account-level documentation that verifies the accurate payment history in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX XXXX breach, which raises concerns about the security of my personal data.
Product: Debt collection

I do not remember having a XXXX card in the past. PRA has reported this on my consumer file for several years. I have disputed this through the credit bureaus twice. Each time PRA validated it without providing any type of factual evidence. I then mailed a debt validation request directly to PRA on XX/XX/2020. It remains unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still reporting a past due balance on my credit report and the account has been paid and settled. It is against violations to continue to report a past due balance on a charge-off debt that has been paid. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate collection reporting to Transunion & XXXX The account is titled XXXX  ( Original Creditor : 11 XXXX XXXX XXXX ) Ive sent 3 separate letters requesting them to stop reporting this inaccurate information on my credit. ( which will be attached below ) Ive paid off this collection 2 years ago in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX  reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.
Product: Credit reporting or other personal consumer reports

Under the FCRA, this account below has violated my consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt out of any reporting of non-public info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those months  as 30-59 days  late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.