23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice in the mail from Midland Credit Management, a debt collector, saying I owed money ( {$650.00} ) to XXXX XXXX XXXX, a company I am not familiar with and have never had a credit line with. Assuming it was not legitimate and a scam, I did not respond and threw the notices away. When the Midland Credit Management collections dispute showed up on my XXXX XXXX credit report, I called the Midland Credit Management. The man I spoke to said that the charge looked suspicious but could tell me nothing about it and was only interested in me paying him several hundred dollars to make it go away. I did not pursue this route as it seemed unreasonable ; it was debt I hadn't incurred. I then reported the dispute to XXXX and all they were only able to verify was that XXXX XXXX XXXX  claims I owe them {$650.00}. They suggested that I file a claim with the FTC which led me to this site. 

I have never had an explanation as to what this debt is supposed to be. I don't know what it was supposed to be applied to or when it was allegedly incurred. I have never received a bill from XXXX XXXX XXXX  or any piece of mail from them. I had never heard of them before being contacted by Midland. I assume this is either some kind of scam, fraud, or identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I wrote letters to Barclay 's to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted XXXX, XXXX and XXXX to have them removed and I was referred back to the company.
Product: Debt collection

Started refinancing. Closing statement ordered on XXXX/XXXX/2016. Closed, i thought, on XX/XX/XXXX. My attorny pd taxes and insurance, perdium for the days past guarantee. Tax pmt and insurance satisfied by our payments. Seterus, the company who my loan was with refused to honor closing and now asking me to pay XX/XX/XXXX house and escrow. They said they pd taxes on XX/XX/XXXX. Money was removed from my escrow acct between XX/XX/XXXX and XX/XX/XXXX. XXXX county ia treasurere has not received the pmt from seterus and they are now demanding pmt for both XX/XX/XXXX and XX/XX/XXXX. They also spoke with my attorney 's office and discussed the specifics of my accout without me on the line and even voiced that they were unable to talk and proceeded to discuss. I am reporting them fir violating my consumer protection rights. Today i recvd papers from them for being 30 days behind on a payment i should never had to pay and for an empty escrow acct that shouldnt be empty until XXXX XXXX.
Product: Mortgage

On XX/XX/22 I applied for a {$25000.00} Homeowner 's Assistance Fund grant through the State of Michigan. I was approved for the grant on XX/XX/22. My mortgage lender, Select Portfolio Servicing ( " SPS '' ), received the {$25000.00} grant from the State of Michigan HAF on XX/XX/22. SPS did not tell me they received the funds from the State of Michigan, nor did they apply the funds to my then-existing outstanding balance of {$77000.00}. Instead, without my knowledge, on XX/XX/22 SPS sent the funds back to the State of Michigan and said did not accept it because it wouldn't have brought my balance current. I was forced to sign a loan modification agreement of {$77000.00} instead of the {$52000.00} which would have been owed after SPS applied the {$25000.00}. 

This is not fair and I would like for SPS to accept the {$25000.00}.
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. XXXX XXXX XXXX XXXX has violated my rights. 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 an 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. 16815-2 ( 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 inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$75000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the XXXX XXXX Act. Violations of the XXXX Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, Transunion, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of XXXX  I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX. 
Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX
Product: Checking or savings account

I have been trying to withdraw my crypto funds for about XXXX weeks but they will not let me as my account is " frozen ''. To note, I never froze my account. 

I did their security steps to unfreeze the account and have sent XXXX emails to their support email but they are ignoring me. 

Please help so I can withdraw my money.
Product: Credit card or prepaid card

Chase does not accurately communicate the XX/XX/XXXX rule between their own departments... marketing constantly in late XXXX snail-mailed, and bombarded me with social media ads to upgrade my legacy XXXX Chase Business Visa card XXXX which does not show up on any personal credit reports ). When I called to upgrade, they said on XX/XX/XXXX to cancel my legacy business Chase SWA card, wait a few weeks for the credit bureaus to update and then reapply... but I was denied. 

Apparently, business cc 's and store lines of credit ( like XXXX ) do count against consumers. This is not disclosed. 

Please help hold Chase accountable so they will make it right. 

Warmly, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX and the furnishing of recent hard inquires on my consumer credit file ( The term consumer means an individual ). File number- XXXX I spoke with a representative on XX/XX/XXXX who told me to follow up with these unauthorize inquires and I did on XXXX XXXXWhich has thus far cause me significant XXXX XXXX, and stress, effecting my day to day responsibilities. The Transunion representative proceeded to give me inaccurate information about the reporting on my credit file. For example, she proceeded to tell me an inquiry- is a factual data reported by a creditor. Fact is I'm the one and only original creditor of my credit file and a inquiry is- a request for information. I have been violated, I have express my concerns with Transunion about the hard inquires and they have been willfully noncompliance. Transunion have violated me as a consumer, by furnishing these inquiries. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Furthermore, the hard inquires from Transunion has made violation of federal law 15 USC 1681a ( 2 ) ( A ) ( i ) the term " consumer report '' can not be containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As a consumer and per 15 USC 1681 ( a ) ( 4 ) Transunion is to respect my rights to privacy, and have violated my rights by allowing these hard inquires to be furnished on my consumer credit report.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently had an adverse reporting with my account with XXXX XXXX reporting. They have reported incorrectly with Transunion and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back inXX/XX/2020did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}
Product: Student loan

I consolidated my loans with Navient. I tried to enter into a IRP. I filled out the application process several times and each time it was denied or did not go through. My Navient advisor was not helpful, couldn't explain why and would just send me emails stating I should reply yes to get it deferred. There was no explanation of fees or charges and I lost my job while trying to get my loan IRP in order. Navient said deferment was my best option. I was out of work for 5 years and this year went back to work. I was contacted by XXXX a credit recovery service who said my balance from Navient is XXXX and I now in default and owe the total XXXX. My original loan had now ballooned to double the amount owed and the loans through Navient are in default. My other loans through XXXX are in good order. I have tried to get an explanation, log on to my Navient account and am unable to do so. I was fraudulently charged double my loan with no notification or explanation. Original loan is XXXX, XXXX with a 6.8 % interest rate that is an additional XXXX. Navient has charged me an additional {$52000.00} which is more than my original loan amount!!!!!!!!!!!!!!!!!!!! 

1.XXXX university original Balance {$8500.00} - with fees from Navient {$14000.00}. XX/XX/XXXX {$4200.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX XX/XX/XXXX {$4200.00} 2. Orginal loan {$30000.00} with fees from Navient {$53.00}, XXXX XX/XX/XXXX {$30000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX 3. Original loan {$12000.00} with fees from Navient {$25000.00} XX/XX/XXXX {$12000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX BK BANKRUPTCY CLAIM, ACTIVE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife ( we are divorcing ) had  XXXX  in  XXXX , AZ, in  2016   . She refused to pay the surgeon 's bill as she was dissatisfied with the outcome.     All  XXXX  major credit reporting agencies, then put her debt ( it was then {$430.00}  ) o n my credit report as well.     I wrote all   XXXX   agencies and explained that this was not my debt.  XXXX  and  XXXX  immediately removed this debt from my credit history, but so far, after 3 attempts to remove this debt from my Experian Credit Report, they have steadfastly refused, even though it is not my debt. They have lowered my FICO score to approximately  XXXX , while the other  XXXX  agencies are reporting my FICO score  as  XXXX - XXXX .      Experian is harming my ability to obtain a better mortgage rate, and lower credit card rates.     Thank you
Product: Checking or savings account

Settlements as of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Incomplete settlement vinacular between worker and account. Checking and savings, both held money as workmanship went on as of completion of work nothing settlement for next appropriation. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : KikOff, XXXX XXXX XXXX XXXX  Inaccuracy : This account does not belong to me Correct Information : This account does not belong to me Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court.

I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on file, or contact me for better contact information.
Product: Credit reporting or other personal consumer reports

These accounts in my report are hurting me because they are fraudulent. 


XXXX  XXXX XXXX XXXX XXXX  XXXX {$580.00} XXXXXXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Child Support Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verfiod correctly. My credit report is still showing Inaccuracies, 15 U.S.C. 1681s 2 ( XXXX ) A person shall not fumish any information relating to a consu nor is an / consumer reporting agency if the person knows or has reasonablo cause to beieve that the information is inaccurate,
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made since XX/XX/XXXX by contacting XXXX  by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. XXXX has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with XXXX XXXX XXXX/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to XXXX until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for XXXX to work along with XXXX XXXX XXXX ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a steep drop in my credit score as a result of a Collection Account that belonged to a company called XXXX XXXX in the amount of {$380.00}. This account was for water delivery services and the rental of a water dispensary system. I stopped water delivery and made arrangements for the water dispenser to be picked up in 2019. The dispenser was picked up and returned back to the company. However, the account was never updated and XXXX XXXX XXXXontinued to try and collect the amount of the water dispenser from me ( {$350.00} XXXX. I have been trying to dispute this with XXXX XXXX for three years, to no avail. Finally, I was tired of having a collection on my account so I just paid the balance, thinking my score would improve. It didn't. Instead, XXXX XXXX still has the account listed as a Collection Item, showing a zero balance and the account closed. Because of this, my score is still unnecessarily weighted down because it shows an outstanding collection item. I have tried to resolve this with XXXX XXXX asking them to remove the collection item. They said they are only obligated to show the account as paid, not change the status from collection. So, after hitting a dead end with them, I filed a dispute with the credit reporting agency Experian - after 30 days - NOTHING CHANGED!!! The account is still showing as an open collection - despite the debt being fully paid. I was hoping that this item would be removed altogether - it wasn't. This is still negatively affecting my score. I want it removed altogether!! There isn't any reason to show it as still in collection - when it clearly is not. 

I have exhausted every possible remedy short of suing Experian and XXXX XXXX for false reporting. 

Please help me get this item removed from my credit reports with all three ( 3 ) bureaus.
Product: Credit reporting or other personal consumer reports

I divorced XXXX XXXX XXXX XX/XX/year>. He was granted the residence at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX, and I quit claimed title to him. 
XXXX took an option to have deferred payments during XXXX  which made the loan go into default. 
He claims to now be current with the mortgage. 
I am upset because it continually drags MY credit score down. 
I have remarried and have XXXX XXXX for the past 22 years.
Product: Debt collection

On XX/XX/2023 ( XXXX ) XXXX XXXX XXXX filed for XXXX  XXXX Bankruptcy. I was a paying customer for aligners, retainers and a life time guarantee on a satisfactory smile. I have been contacting the company and so I can buy new retainers my old current ones are very old now and the company XXXX always advised me to change them every XXXX  months for a new pair I can not do that now. 
I have paid off the amount of money owed XXXX  times now and they still charge my credit card stating that I owe them money. I paid it off in fear of my credit score decreasing, but I should not have to pay them since they can not provide me with service or product. I am not asking for a refund I just want them to stop charging me