23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/XXXX - showing as a debt but as an open account with a past due balance on my credit report. Requested documentation from the company of the original debt that they are claiming I authorized and they could not provide it. 

XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX -showing as a debt but as an open account with a past due balance on my credit report. Requested documentation from the company of the original debt that they are claiming I authorized and they could not provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated I was deceased when I applied for a credit card. I had to get XXXX to correct it. I got a rep. on the phone from XXXX. 
after a series of? she checked my records and determined I was indeed alive. Then she called Equifax and we had a 3 way talk. After security questions from Equifax, they said I failed the test! They ask me questions about loans I had and banks that gave them. I have not applied for a loan in over 5 years. I have no idea what info they have that I answered wrong? But I believe their info is wrong, just like the info that I'm dead! I get credit reports from XXXX & XXXX. and I have no problems!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


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

THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Debt collection

I have been getting calls from Midland Credit Management. The calls at this point have caused me XXXX. I do not and have not signed up with an account with Midland and I have communicated that several times.
Product: Payday loan, title loan, personal loan, or advance loan

We, my husband and I, set up a loan to pay for a XXXX XXXX XXXX on @ XX/XX/2023. Synchrony Bank was the entity that the account was set up with. We had installment payments set at {$160.00} a month with no interest terms. ( The statement reads=Equal Payments No Interest ). I set up payments to be sent from my checking account ahead of time each month since I wanted to pay later in the month, but the payment was actually due on the XXXX. So, I always paid well in advance of the due date. Then I saw a late charge on my account, and then another. This was due to a new fee being charged for paper statements. So, since the {$2.00} fee was not covered with my {$160.00} payment, they said I was being charged late fees, and I was also told I owed interest. I called and talked to the company twice. One late fee was refunded. I asked for a payoff and paid off the loan. They then charged me {$2.00} dollars after the payoff quote. I believe they said it was interest that I owed but I figured it was another statement fee. It was a 0 % interest loan. I was never late until their {$2.00} fee was not covered. It should not have been tacked on to increase the payment but made a part of the payment. I still feel I should be refunded for that 2nd late fee ( they refused ) and the {$2.00} that was charged after they quoted the payoff.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

the credit reporting agencies are reporting inaccurate information on me. 
( see evidence attachment )
Product: Vehicle loan or lease

I went to the dealership 3years ago because I paid off the car I was told that I owed entrance on the vehicle I stated that I needed the original paperwork stating what was in the contract they stated they could not give it to me because they didnt have it. Now the car was XXXX I paid over XXXX in payments now when I log on to the app it states paid but the entrance is over XXXX I feel like Im paying for a car XXXX XXXX should not be over XXXX when the car is paid off
Product: Credit card

CREDIT CARD COMPANY REFUSED TO WORK WITH ME TO COME UP WITH AFFORDABLE PLAN INSTEAD THEY HARRASSED ME ABOUT A PAYMENT PLAN AFTER THEY CLOSED MY ACCOUNT. I STILL HAD AVAILABLE CREDIT ON XXXX CARD
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no connection with the mentioned creditors. I urgently ask for them to be removed from my credit report. 

XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting

Collection Agency : XXXXIs reporting inaccurate collections account on my credit file. I have disputed this account several months ago and they still refuse to remove it from my credit file. The last time I spoke with someone from the collection agency on XXXX/XXXX/15, the lady said that i had to give them 30 days to investigate. Although it had already been 2 months, I decided to wait 30 more days. I called today XXXX/XXXX/15 and the guy that I talked to today acknowledged that it had been more than 30 days since I last spoke with them on ( XXXX/XXXX/15 ) but told me I still had to wait because they still had n't received the info they were waiting on from the original creditor. I told him this inaccurate information is destroying my credit and I have been patient with them for at least 90 days but was still told I had to wait longer and they would call me if they heard anything. My original dispute was in XXXX 2015 and as of today ( XXXX/XXXX/15 ) this inaccurate account is still on my credit report. I am very disappointed because this collection agency still refuses to remove this from my credit file even though they have not been able to validate it.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, 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 EQUIFAXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

{$1200.00} from Macys Account opened on XX/XX/XXXX The company closed the account and advised I should report here too.
Product: Checking or savings account

I am writing to express my concern and seek immediate clarification regarding an issue with my business checking account at Capital One. On XX/XX/2024, I transferred {$7400.00} from my external bank business checking account to my Capital One business checking account. Despite the funds being credited on the same day, as of XX/XX/2024, my available balance remains incorrectly at XXXX. 

Upon noticing this discrepancy, I contacted your customer support line and was directed to your security team, where I spoke with an employee named XXXX ( ID : XXXX ). XXXX informed me that my funds were on hold due to a need for additional information. However, she was unable to specify the information required or provide a satisfactory explanation for the hold. Despite my inquiries, the only resolution offered was that the funds would be unavailable until XX/XX/XXXX. Upon further discussion, XXXX then stated the funds could be released immediately, a response that was both confusing and contradictory. 

This unexplained and seemingly arbitrary hold on my funds is not only perplexing but has also resulted in a rejected payment due to insufficient funds, directly impacting my business operations. The lack of clear communication and justification for these actions is unacceptable. 

I request an immediate review of my account and a detailed explanation for the hold on my funds. It is critical to resolve this matter swiftly to avoid further inconvenience and potential damage to my business. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Midwest Recovery has placed a collection on my credit report but I know nothing about the debt nor have they contacted me with a debt validation letter.
Product: Vehicle loan or lease

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] FCRA 605B ( 15 U.S.C. 1681c-2 ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on credit report unauthorized.
Product: Credit reporting or other personal consumer reports

inquires are fraudulent. The last XXXX hard inquires are not mine. FTC report included.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is listing 2 Credit Cards with XXXX XXXX XXXX  as new accounts therefore affecting my Credit Score. I closed these accounts XX/XX/2018.
Product: Checking or savings account

I thought banks have to make funds available within about 2 days after a check deposit. I've made electronic transfers initiated from the Capital One savings account from my bank checking account and it takes a week for it to show up in the Cap One account. This time I read on the Cap One site the following : " Do mobile checks deposit instantly? In most cases, mobile check deposits arent instantaneous. You may have to wait at least one business day for the mobile deposit to process, and some banks may also have a cutoff time for deposits. If you deposit a check after that time, you may have to wait another business day for it to process. Tip : Capital One customers can typically access their funds the next business day. But if you deposit a check using your mobile app after XXXX XXXX XXXX your check may take additional time to process. '' So I installed the app and made a mobile deposit today XX/XX/XXXXand the app said it would be available XX/XX/XXXX- a week from Monday. Please investigate. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX said they would remove inquiries they still are reporting inquires to Equifax
Product: Mortgage

Regions bank is NOT adhering to signed Promissory Note/Closing Documents signed XX/XX/XXXX. 

Disbursement date on simple interest XXXX was XX/XX/XXXX ( as noted on closing documents ) 1st payment was due XX/XX/XXXX covering XX/XX/XXXX-XX/XX/XXXX period from closing From first billing, interest was calculated on an erroneous billing period of XX/XX/XXXX, XXXX XXXX, XXXX ( noted on billing statements ). 
This incorrect billing period set up all future billings to cover an incorrect billing period of the XXXX to the XXXX on a monthly basis despite payments set up to be due the first of each month as in closing documents. The billing period should have reflected the XXXX XXXX or XXXX on a monthly basis ; based on disbursement/closing documents. 
This discrepancy in the billing period being used by Regions ( and not supported by closing loan documents ) set up inaccuracies in additional interest calculations on my monthly payments made and due by the first of each month which has now gone on for 4 years without being corrected Additionally, as per Promissory Note/Closing Documents ( and further supported via emails by Regions VP/branch manager/closer on loan ) additional Principal Only payments are allowed without penalty to be applied to outstanding principal balance. As noted on Promissory Note Early payments will reduce the principal balance due and may result in making fewer payments However, each month from XX/XX/XXXX to present, a separate check marked Principal Only or Extra Principal Payment Only in the amount of {$100.00} was sent in same mailing as regular mortgage payment. However, despite Regions receiving by the XXXX of each month ( due date according to closing documents ), the entire extra principal payment {$100.00} was not applied to the principal balance, but rather interest was taken out ; NOT adhering to signed closing documents. 
Despite numerous attempts to have the loan examined and fixed since first noticed in XXXX of XXXX, Regions continues to let this error go on ; effecting me financially and emotionally. They state my Principal Only payments have to pay interest first owed for the month based on the erroneous and incorrect billing period as noted above. 

This loan MUST BE FIXED with all incorrect additional interest taken by Regions ( both out of regular monthly payments and out of extra principal payments since the start of the loan ), credited back to loan to lower principal balance. 

Based on Regions attitude, one can only wonder if this type of error is going on with hundreds, if not thousands of others, who unknowingly are being negatively impacted financially while Regions is making millions off of them. Maybe Regions need to be investigated or have a class action lawsuit to make them correct their errors.
Product: Checking or savings account

I been a chase customer for almost 10years and they all of a sudden restricted my account without notifying me and they wont release my funds to me or completely close my account. I am late on my rent due to this issue and every time i call them about my issue they are all rude and give me different false dates of when they will release my funds to me. i requested to close my account and they refuse to do so.What a nightmare!
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Wells Fargo to get the overage I have paid on a monthly basis ( since XX/XX/XXXX ) to be applied directly to my principal loan amount. I need to get my principal amount trued up as I was trading in my vehicle. The representative told me they would be applying approximately {$700.00} to principal amount and it would take 48 hours to hit. I asked for a revised principal amount and the representative gave me approximately {$10000.00}. 48 hours after, I looked at my account and they messed up my last two payments which then made my balance approximately {$11000.00}.  Approximately {$600.00} more than what they told me it would be changed to. I bought the new car using the number what was provided to me my the representative ( ~ {$10000.00} ). Now I owe the dealership ~ {$700.00} ( including interest on pay off ) because of Wells Fargo 's inaccurate number. I made a huge life decision based on bad information provided to me directly by the bank.
Product: Debt collection

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I disputed these Items on XXXX, XXXX, and XXXX THEY REMOVED THEM THEN ( 2 ) DAYS LATER REINSERTED THEM 15USC168i ( A ) ( 5 ) B States REINSERTION PROTOCOL ( Disputed Items ) XXXX XXXX XXXX ( I told them someone stole my identity and this is not my debt they refuse to send any proof this is my debt after ( 4 ) attempts and multiple verified responses and will not remove it. Code 15USC 168i ( a ) states the 30 day law.

PRO COLLECT ( 15 USC 168i ( A ) ( 6 ) B 3 States the investigation Protocol which all three Credit Bureau 's replied with they are VERIFIED I asked for proof never received it and this company keep changing the dates on this debt to make it look like it just happened this year. 

DISPUTED ITEMS XXXX AND XXXX XXXX & XXXX XXXX XXXX XXXX This debt that is hurting my credit and without proof should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Wellsfargo convinced me to change my auto loan with their bank. I received numerous calls from a rep stating that they could give me a lower interest rate of 1.99-3 % and when I decided to switch my loan, the loan officer stated my loan would be 7 % and I had an XXXX credit score. I said that 's not right and the loan officer stated my loan with my precious bank was 12 % and after looking at my paperwork ; I realized the bank lied to me so I can have all my accounts with Wellsfargo.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX XXXX, # XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( TRANSUNION LLC ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. 
Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. 
The report presented by Transunion LLC presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 HIGH BALANCE : Is incorrect I include credit report from Smart credit and Transunion where the different can be seen. 

( Include copies of the letters sent to the Credit Reporti
Product: Debt collection

On this day, XX/XX/2017, {$1500.00} appeared on my credit report. I do not have any knowledge of this debt and would ask to have it removed immediately.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX  XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance {$6700.00} XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX Balance {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} 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 XXXXXX/XX/XXXX