23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in XXXX. At that time, the property management was XXXX, XXXX XXXX XXXX. When I moved out my balance was zero and I paid all the remaining balance on my account. But I started getting emails and phone calls from dept collector, Genesis, XXXX XXXX XXXX  saying that I still owe XXXX {$99.00}. Their agents are obviously trained to be aggressive in collecting dept. I talked to many of them, and they are all very abusive and used strong language when I asked for proof what is this charge for. I tried to contact XXXX but they are no longer managing the XXXXXXXX XXXX. I left multiple messages on their main website XXXX XXXX ) and asked for proof of this charge but they did not respond for over a year. 

This charge has damaged my credit score.
Product: Credit reporting or other personal consumer reports

I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving them.
Product: Credit card

Hi I guess I am one of many having problems with Fifth Third Bank, This bank is saying That I applied a credit Card account ending XXXX with them when I have never applied for it, Now they are saying that have a balance in that card of {$14.00}, I have never applied for this card and what I would like is my information being erased forever from this bank, I have being receiving statements of this card even when I am not the card holder, they also sent me a check with a credit of {$29.00} that is a negative balance in one of the statements they have been sending me and now that there are a balance of {$14.00}, I ask this bank to erase my information from its database immediately, I not going to pay any balance of any card I haven't applied for or any card that it has got a fraud on it, I have been in the United States living for 17 years, and I've never being involved in a debt I have not being able to pay, I have never gotten any problem with any banks in those 17 years. This bank has been making my life miserable since time ago, I have never complained of any other business in my life time living here, all the problem is with this bank.
Product: Credit card

I am trying to open a venmo card, I received a rejection letter stating Request has identity theft risk factors. I'm not even sure what that means. I have called synchrony bank, they transferred me to venmo. Venmo transferred me to pay pal. And I called multiple times and I am making this complaint to escalate. My credit score is pretty high. 

The referene number for the mail is XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on 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 readdress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Please this is about chase auto whenever I called them they told me they didnt report anything on my credit. the report on my XXXX and XXXX is accurate. But XXXX XXXX dont want to update my report. the account is already being paid off..
Product: Credit reporting or other personal consumer reports

Sent out a letter to companies asking to verify the debt that they think that i owe.
Product: Credit reporting or other personal consumer reports

My correct name is XXXX XXXX I have NO middle name. 
PLZ REMOVE XXXX XXXX XXXX. 

REMOVE these addresses ASAP!! I've never lived there. 
XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX REMOVE these employers ASAP. I've never worked at these locations. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  report has multiple delinquent from XXXX XXXX  and ford credit.Cfpb already intervened directly between companies and they agreed to remove delinquent off all three reports but it is still on my XXXX  reports. Ford agreed to remove accounts off all three reports.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized. I was charged fees due to lagging in posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX , ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter to experian on XX/XX/2021 about some unauthorized inquiries that is showing up on my credit report and they has not sent verification or deleted them from. they are affecting me from obtaining credit and i am stressing out and being XXXX
Product: Debt collection

Portfolio Recovery, had repeatedly ignored my requests for proof that this debt is mine. Ounce sent them certified letters asking them to provide proof with no success. Now they 've logged a collection on my credit report. I am very upset and an considering legal action.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts, reporting on my credit report
Product: Credit reporting

I hired XXXX to assitmen in having negative and old information taken off of my credit report. Experian has been sent several request to remove several items and challenges to what they where reporting and they have not responded. these request have been sent to them more than 45 days ago and they continue to report false and inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported XXXX credit card accounts but failed to validate the debt. I asked for original creditor 's information and how the debt was obtained including how much they paid for the debt. 

It's possible that I had credit card insurance to cover the balance that was provided the my original creditors. 

I am also a subscriber of the free version of the XXXX app and it seems Transunion and XXXX data has not be updated. 

For example, it's still showing that I owe over $ XXXX in student loans but my loans were cancelled last year
Product: Mortgage

Re : Ocwen Loan Servicing, LLC account number XXXX Hello, Im writing this letter in complaint about monies being improperly taken from my escrow account by Ocwen under the guise of Lender placed flood insurance. 
I have been going back and forth with Ocwen for a few years now about monies being removed from escrow account as described above. They always increase the amount of flood insurance that is required for my mortgage after I have renewed the insurance at a coverage amount previously set by Ocwen, at the time the policy renews, and then remove money from my escrow account to cover the difference. 
Last year in my attempt to pin them down and avoid the hassle of being on the phone with them for hours trying to get my money back, I asked them to put in writing the amount of Insurance coverage needed to cover from XX/XX/XXXX to XX/XX/XXXX ( the term of my flood policy ) so that this situation could be avoided. They refused to provide this number in writing but gave me a verbal number and I renewed it for that number in XX/XX/XXXX. But in XXXX and XX/XX/XXXX they removed money from my escrow account again as described above. Even though the policy was renewed for the amount Ocwen had requested it to be renewed for. 
I spent hours on the phone with them about it in XXXX and they agreed to give the money back and as of this date I have not seen where the full amount has been returned. And they actually removed additional money in XXXX. So I called them back again and I still have no explanation on why they did not return all the money after they agreed to do so nor did they explain why additional money was taken. 
At this point it appears to me that Ocwen is just engaged in outright fraud, theft and deceit. Ive spent countless hours arguing with them about this issue, and they talk in circles, seem to not understand the issue, promise to return the money and then dont ( they actually returned it one year only to take it back again a few months later with no explanation ), they say things verbally and then refuse to put them in writing, blame other Ocwen departments, they also refuse to disclose who the proper regulating authority that their customers should complain to if they have a problem. 
As to avoid confusion please be aware that Ill submit this in writing and online to the cfpb and Im sending copies to the United States Attorney General, New Jersey State Attorney General, and to Ocwen as they need to be stopped.
Product: Credit card

I had a {$5.00} parking fee with a transaction date where I was not only wasn't in the state where the charge was issued, but on a date where I knew I had no parking charge. Since the card was in my possession the whole time, I was charged this fee despite the fact that there was no way it could have been me. I suspect that the transaction date was incorrect, but Capital One failed to provide me any information.

Capital One agreed to send me a new card on XX/XX/XXXX. 

On XX/XX/XXXX I called on the status of the card and was told it would take 4 to 6 business days and that the card arrive no later than XX/XX/XXXX. 

On XX/XX/XXXX I called the company again, and was told that the card was sent out XX/XX/XXXX ( a Sunday ). They said they decided to replace both cards as they were both coming up for renewal. This showed that I was lied to in the XX/XX/XXXX call. I was told that the card would arrive no later than XX/XX/XXXX Today, XX/XX/XXXX, I called again and was told that my cards were went out on XX/XX/XXXX. This showed that I was lied to on the XX/XX/XXXX call and I have little reason to believe that I am being lied to this time which is the reason for my complaint. I have talked to Supervisors in all my calls I am angry that Capital One couldn't explain how the parking charge could possibly be mind. When I asked to have them check the transaction date, they said " That is not part of our process ''. I am angry that every time I call I am lied to
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I opened an account with American Express ( XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Part of the promotion they were offering was {$200.00} back if {$2000.00} was spent in the first 6 months. I met that requirement on my first transaction. 

In XXXX I contacted AMEX inquiring as to when the reward would be applied. I was told it would take 8-12 weeks. So I waited. 

I then contacted them again on XXXX making another inquiry. I was told that my account was a part of a group of accounts affected by an issue that was preventing bonuses to be applied. They opened a case # XXXX. So I waited again. 

I contacted them again on XXXX. I was then told that my investigation had been closed and my account was under review by a dedicated team. And a new case was opened. # XXXX. I was told to check back if I didn't see the {$200.00} credit in 10days. In this same conversation the rep said that the credit was to have been applied on XX/XX/XXXX and they also acknowledged that I in in fact had met the spend requirements to receive the credit. 

I then contacted them yesterday on XX/XX/XXXX. I was given the same runaround as before. That it was being looked into and addressed. I escalated to a supervisor and given the same cookie cutter replies. There was no attempt made to resolve the issue. 

This is horrible customer service and they are not honoring their end of the agreement/promotion. There appears to be some disconnect or worse ineptitude happening. 

I have been beyond patient. I am not the only one with this issue either. There are posts on XXXX about it.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

This company is contacting my family members and job. They threatened to have me arrested. This debt is 20 years old.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681 c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681 c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> # XXXX
Product: Mortgage

They never responded to my emails, they are still charging me PMI even though I have LTV of 44 %. They have no customer service!! 
The " service '' is absolutely unacceptable. Quite possibly the worst service I have ever experienced. I have received different answers from every representative I have spoken with, after being on the phone for over 30 minutes of course, with no progress towards my problem ( on multiple occasions ). The need to have to constantly call back for the same problems over and over again because of internal mistakes and incompetence is at a level the likes of which I have never experienced in another business. In other words, there is clearly no training, no quality assurance, and absolutely nothing being done about the horrendous service. Judging by the other reviews, multitude of complaints, and my over one year of painful experience with this company, I would say it is a chronic issue with little to no improvement. To say I am displeased with my loan having been sold to this company for service is an extreme understatement. 
Would not recommend and wish we could move to another company. Have worked with quite a few mortgage companies over the years and never had trouble like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a disputing regards to the incorrect items on my report. It has been well over 30 days & I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX
Product: Debt collection

Paypal has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by Paypal IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance continues to report to XXXX wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, Regional Acceptance reported my balance as {$12000.00}, according to XXXX. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, numberXXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called XXXX directly, and they stated they had not received any report from Regional Acceptance since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from Regional Acceptance which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Also, Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove it immediately in my report : XXXXXXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please remove these accounts.