23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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 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: Credit card or prepaid card

Racism and discrimination Closed my account before I authorized/no notice I contacted to close month before but they just reversed my pay They took {$75.00} annual fee without letting me know in notice first I DID NOT KNOW ELSE I WOUKD HAVE CLOSED They were trying to sabotage my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX  and XXXX  aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time.

3. XXXX has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX has that I have 10 charge off 's on 1 XXXX XXXX  Account, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  Account of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.
Product: Payday loan, title loan, or personal loan

I took a loan out with First VA paid off the loan they are claiming that I still owe on the loan when I went to apply for a new loan but cant give me the application information all the state is the card was swiped and used after I paid the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the Metro 2 system and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet
Product: Debt collection

Repeated calls showing as Toll Free Call XXXX in caller ID. When I do not answer they leave a message. The latest message said, " We have a message from Superlative RM. This is a call from a debt collector. Please call us at XXXX in reference ****. '' Previous messages have been similar. 

I have no debt in collection that I am aware of. I suspect this is a scam call to attempt to collect personal data.
Product: Debt collection

on XX/XX/XXXX I received a statement for a balance of {$590.00} of which I felt I didn't owe, for a medication that was sent to me without my prior payment or authorization for payment in the form of credit /debit card check or cash. I had previously talked with a representative from the company and ended with an understanding that I had no credit card or any other form of payment on record, other than insurance from part D of my social security, and a grant from the XXXX XXXX for assistance in covering my co-pay amounts. I made it clear to the company that I would not be paying any of the bill. 
But, the company sent the medication anyway and billed me. I was unable to pay do to my being on a fixed income. I responded to the company by mail with an explanation, and reason that I felt not responsible for their error in shipping a medication without prior payment, as I know is a policy of the company. My letter dated XX/XX/XXXX to follow. Again I received another statement just like the first on XX/XX/XXXX, and again I responded with a letter XX/XX/XXXX and confirmed that their statement must be an oversight. I received another statement XX/XX/XXXX for the same amount and this time soon after on XX/XX/XXXX I received a letter from a debt collector on behave of the company. I replied to the debt collector and also the company with a letter of my own to try and get them to quit sending these harassing statements and letters. I received two more letters from the same debt collector from a ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. I am at my wits ends trying to explain to the company and the debt collector that I do not owe them money. There was a mistake made by the company in shipping out a medication prior to having payment or having any form of payment on file. I was on an assistance program because i could not afford the medication, and between my XXXX XXXX XXXX, supplemental insurance, and finally an assistance grant from the XXXX XXXX costs were taken care of till of course funds ran out, at which point I would have to seeks other assistance from another form..
Product: Credit reporting or other personal consumer reports

[ Self Financial/Lead Ba /Account Number XXXX ] Is reporting inaccuate late payments on my credit profile. 

According to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

This is a complaint on my XXXX XXXX XXXX which was paid off in XXXX.A judgment was issued back in XXXX with XXXX XXXX Bank stating the sum of {$6700.00}, with interest thereon at 20.99 percent per annum in the amount of {$3000.00}, plus attorney fees, plus special process server fees, making a total of {$9900.00} with payments starting XXXX XXXX. All payments were made through ACH from my bank account totaling {$7500.00} from XXXX/XXXX/XXXX through XXXX, then additionally {$1800.00} through garnishment XXXX thru XXXX which total {$9300.00} which was paid, then when the last garnishment payment was made in XXXX the Attorney that handled this case no longer ACH nor garninshed nothing from my account at all, she was not never heard from. Then come XXXX, that 's when XXXX XXXX ( as Assignee of XXXX XXXXXXXX XXXX ) came at me stating I owe {$18000.00} for the same judgment and been garnishing my checks since XXXX XXXX XXXX which total {$7900.00} more that was token from me. Then after the end of XXXX nothing was token, I thought it was over and finished because nothing was done in XXXX thru XXXX, but come XXXX XXXX XXXX XXXX came back stating I owe {$18000.00} and started garnishment my account again which started XXXX XXXX to present another {$2200.00} dollars has been token from me. So actually I then paid out over {$20000.00} dollars and they not stopping. I just want this to end because like I said this car been paid off. Even through XXXX is on the judgement XXXX XXXX XXXX is the creditor now collecting from me. I have all Statement, proof of garnishments payment, Itemized categories, notes and emails, and ect showing reasonable doudt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading and inaccurate accounts appeared from my credit report. Mostly are fraudulent Medical debts without account names and from unknown sources which also violated HIPPA and also they can't just report health information from my credit report.
Product: Debt collection

On XX/XX/year>, I sent certified letters to XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a signed agreement or contract with my signature.

2. **Evidence that they are legally authorized to collect this debt in XXXX** XXXX such as proof of their licensure in the state XXXX XXXX XXXX. 

Despite this formal request, XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX has not provided any of the required documentation. I have not received any proof that I owe this debt, nor have they demonstrated their legal authority to collect in XXXX. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am now seeking assistance from the CFPB to resolve this matter and ensure that XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX complies with their legal obligations to verify the debt and their right to collect it and if they are unable to remove the debt from my credit report as soon as possible.
Product: Credit card

I am compelled to lodge a serious complaint about the unauthorized charges for XXXX XXXX subscriptions that continue to appear on my credit card, despite my repeated attempts to resolve this issue. The lack of action and the appalling level of service from Chase Bank have forced me to seek your immediate intervention. 

For several months now, I have been subjected to unauthorized charges for XXXX XXXX subscriptions on my credit card account. These transactions were not authorized by me, and my numerous attempts to cancel these charges and stop the subscription have been completely ignored. Chase Bank has repeatedly failed to address this issue effectively. Despite my explicit requests to block these transactions, Chase has claimed that they are unable to prevent further charges or stop the subscription service from charging my account. 

In a desperate effort to resolve this, I also requested a token reset for my credit card. This is a basic security measure that should have been straightforward. However, Chase has refused to assist with this request, leaving me exposed to ongoing unauthorized charges and demonstrating a blatant disregard for my financial security. 

Furthermore, my attempts to get XXXX to address this issue have been equally futile. I reached out to them to report the unauthorized charges and to request they locate the account responsible. They have been unable to resolve the issue, largely because I have canceled the compromised card and received a new one. Their inability to resolve this matter is both frustrating and unacceptable.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized XXXX  XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Product: Mortgage

My mortgage was in good standing until it was sold in XXXX last year to Freedom Mortgage. I was not notified of the sale, and had to spend most of the month trying to arrange a payment..so I started off behind. There was no grace period. 
As I began making payments, Freedom started reporting payment " reversals '' on my account. They charged a fee each time, and said the payments were reversed by XXXX   XXXX XXXX. However, my XXXX  XXXX XXXX account shows no reversals, and I was not charged a fee by them. Nor were the funds returned to my account. In XXXX, I made two payments to catch up for the missed XXXX payment. But Freedom only gave me credit for one of those payments, they list the other as a reversal.Between late charges and reversal fees, they now show my account as delinquent, and even though they do not report my on-time payments or my even having a mortgage to the credit agencies for my benefit, they reported the delinquency and my score dropped over 100 points.
Product: Checking or savings account

Bank of America alowed someone to open account in my name and take all my unemployment money over XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Discrepancy on the credit bureau report for experian and XXXX. It has been 6 months already with no resolution regarding this matter. The accounts for XXXX  XXXX Credit Card, XXXX XXXX/ XXXX XXXX  that were deleted from XXXX  report are reporting on XXXX  and experian being the same accounts. As far as I understand the creditor are the one who authorize the removal or deletion of the account from the credit report, how comes XXXX  had deleted this 2 accounts and experian and XXXX  has not. Attached the 3 credits reports from XXXX  XXXX  and XXXX  comparison in order to view in detail the reporting discrepancy.
Product: Mortgage

Fein, Such & Crane LLP are debt collectors claiming to represent another debt collector XXXX XXXX XXXX XXXX as an alleged Trustee of a REMIC. The consumer is being terrorized civilly not only by the debt collectors named above, but by the Tribunal, Supreme Court of New York XXXX County. Fein & XXXX are maliciously and abusively prosecuting an illegal debt collection action styled as a Foreclosure in state court. The consumer has issued several Notices and Demands all under the FDCPA, federal consumer laws. Both debt collectors are ignoring each of those communications by the consumer and creditors and continue to violate the FDCPA. My consumer goods obtained for personal, family and household purposes, such as my private home is attempted to be illegal confiscated by these XXXX unknown debt collectors. The CFPB has made clear the rules and regulations, with clear interpretations to consumers regarding its use. Fein and XXXX are engaging in illegal, fraudulent, and abusive debt collection against this consumer. Fein and XXXX was ordered to " obtain verification '' ( sworn and under penalty of perjury ) and proper " validation '' from the alleged original creditor supported by Original Loan Level Documentation. If Fein and XXXX complies strictly with the FDCPA, it will obtain the verification of the Rescission, TILA and the fact that " no debt is owed. This of course is based on the fact that Fein and XXXX are enforcing a legitimate debt which originated from a legitimate transaction.
Product: Credit reporting or other personal consumer reports

My credit file has been locked on ALL XXXX Credit Bureaus due to my information found on the Dark Web and several company breaches ( SSN, Drivers License, DOB everything has been stolen ). On XX/XX/XXXX, I unlocked my credit on Experian website to apply for a credit card and I requested it to be relocked the following day, XX/XX/XXXX. Today while monitoring my XXXX XXXX account for unauthorized charges, I noticed a pending charge of {$27.00} from Experian, I immediately log into my FREE Experian account to see what the charge was for, it was was their membership, which I DID NOT authorize. I immediately cancelled this SCAM membership. While exploring the membership, I noticed Experian signed me up for this SCAM because it said my account was locked on XX/XX/XXXX. Apparently when I request to relock it, they charged me for it. WTH! I DID NOT AUTHORIZE EXPERIAN, WHO ACCESSED MY CREDIT CARD FROM MY REPORT WITHOUT MY CONSENT. I HAD A FREE MEMBERSHIP AND I DO NOT USE ACTUAL MY CAPITAL XXXX CARD NUMBER ONLINE, I USE VERTIAL CARD NUMBERS TO PREVENT UNAUTHORIZED CHARGES. EXPERIAN TOOK IT UPON XXXX TO SELECT THIS CARD FROM MY REPORT AND CHARGE ME FOR THIS MEMBERSHIP, THIS IS THE ONLY REASONABLE EXPLANATION AS TO HOW THEY WERE ABLE TO GET ACCESS TO THIS CARD. NOT ONLY THAT, WHILE EXPLORING THIS SCAM MEMBERSHIP WHICH COMSUMERS ARE APPARENTLY SUPPOSE TO VIEW ALL XXXX CREDIT XXXX SCORES, WELL, MY XXXX AND XXXX XXXX SCORES WERE FROM XXXX. SCAM! I DONT NEED TO PAY A MEMBERSHIP TO VIEW MY XXXX SCORES BECAUSE I RECEIVE A FREE XXXX SCORE FROM EXPERIAN AND I RECIEVE A FREE TRANSUNTION XXXX SCORE FROM MY DISCOVERY CREDIT CARD. I ALREADY PAY A MONTHLY FEE TO A CREDIT MONITORING COMPANY TO MONITOR MY CREDIT, DARK WEB, BANK ACCOUNTS, CREDIT CARD AND I RECEIVE FREE COMPLIMENTARY CREDIT MONITORING FROM EXPERIAN DUE TO EXPOSURE OF MY PERSONAL INFORMATION, SO WHY WOULD I CHOOSE TO PAY AN ADDITION {$27.00}. EXPERIAN SITE IS A SCAM AND MISUSES CONSUMERS CREDIT CARD, AT LEAST MINE, WITHOUT CONSENT FOR THEIR OWN BENEFIT. EXPERIAN NEEDS TO REFUND MY {$27.00} AND REMOVE MY CREDIT CARD FROM THEIR STORED SERVER OR WHEREEVER! IF THEIR SITE IS HACKED MY CREDIT CARD WILL BE STOLEN AND EXPOSED ON THE DARK WEB. WHO DOES EXPERIAN THINK THEY ARE!!!! I CANT BELIEVE THEY STOLE MY CREDIT CARD, THIS SHOULD BE A CRIME. I DIDNT PAY TO LOCK MY CREDIT SO WHY THE HECK WOULD YOU CHARGE ME {$27.00} TO LOCK IT BACK? I HAVE UNLOCKED AND RELOCKED BEFOR AND WASN'T CHARGED OR MY CREDIT CARD STOLEN TO LOCK IT BACK.
Product: Debt collection

The Hub at XXXX XXXX XXXX XXXX is claiming I owe over {$4000.00} in delinquent rents and fees for an XXXX I never lived in or signed for.. Information has been reported to XXXX and the other credit reporting companies since XX/XX/2019 claiming in error that I owe money. I never signed a lease, co-signed a lease or lived at the XXXX XXXX  XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, after filing adisputes with XXXX, it was claimed verified that the fraudulent reporting is accurrate, even after the XXXX complex was unable to provide a copy of a lease that I signed nor any proof that I lived in the XXXX XXXX. I submitt that computer IP addresses of transactions made by the subject business regarding the rental of the XXXX is not proof of my occupancy. Without showing a copy of the XXXX  they claimed I signed, the information reported on my credit report should have been removed on my numerous request
Product: Money transfer, virtual currency, or money service

Two days ago approximately the XXXX of XXXX, I purchased {$170.00} in XXXX via cash app using fund from my personal bank account XXXX than went. to sell it as it dropped price significantly. I am unable to access my funds and they just tell me patiently wait. This is mishandling funds and plain theft. They legally need to return my money promptly, this is conveniently after the current cash app account has a claim in the finalizing settlement, this is once again cash app stealing money from me. This sort of corrupt business leads to tragedy. Eventual.
Product: Student loan

I have been trying to get my student loans through Navient dismissed due to the XXXX Loan Forgiveness Program, but every time I submit my information that is requeste4d that says that I have completed the requirements they turn it down saying that I do not. I have read the requirements and submitted the required paperwork and each time they tell me I have not met these requirements. No further instructions or help is offered.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of multiple late payments by these creditors to Experian. Their records falsely reflect late payments that were, in fact, made on time. Despite my efforts to maintain a responsible payment history, these incorrect marks remain on my credit report, unfairly damaging my credit score.
Product: Mortgage

5/3 Bank severely mismanaged my escrow account causing a deficient of {$3700.00}. They bought out my mortgage in XX/XX/XXXX. They mismanaged the property taxes for my property for XX/XX/XXXX. They said they thought my property taxes were {$330.00} when in turn they were paid the previous year as {$2400.00}. My prior mortgage company paid the appropriate taxes the year before but they said they had no idea what the correct amount was for. How could this be? I have had numerous mortgage companies buy out my mortgage for 15 years and have never had this issue before. They also did not even pay my mortgage insurance when it was due in XX/XX/XXXX. I had to pay it so it would not lapse. This company mismanages and does not treat its customers fairly!!!! DO NOT GET A MORTGAGE OR DEAL WITH THIS COMPANY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i ahve 4 previuos employer listings that are wrong and need to be deleted and 2 prviuos addresses that are not mine and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that is not correct
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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