23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Filed a Dispute-Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Original balance {$780.00} Date opened XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX.
Product: Debt collection

Midland Credit Management - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Product: Money transfer, virtual currency, or money service

I purchased a cell phone on XXXX which arrived cracked. the seller refused to accept a return, so i opened a case with my credit card company XXXX XXXX XXXX, who put the transaction on hold with paypal. The seller agreed at that point to send the refund, so i sent back the phone, and XXXX has closed the case. paypal, however, refuses to return the funds to the seller ( who would then send it to me XXXX, since they claim that they haven't heard from XXXX that the dispute has been closed. i called both companies repeatedly, and XXXX repeatedly insists that the case is closed on their end, and it seems to be paypal which is holding the case back, as it's been stagnant for months.
Product: Credit reporting or other personal consumer reports

This is my first attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$530.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance XXXX {$2200.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted capital one 's fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX XXXX a XXXX in fraud and dispute. it has been over 90 days and full investigations by all 3 bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in letters before XX/XX/2021 asking XXXX, Transunion and XXXX who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to XXXX, Transunion and XXXX showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be removed.
Product: Mortgage

I recently submitted a complaint against Ocwen ( my second complaint against them ) through the CFPB due to an Escrow/payment increase/notice issue. I realized today that after I submitted the complaint to the CFPB, Ocwen chose to reverse my previous XXXX loan payments. I called Ocwen to find out why these payments were reversed and they could n't tell me why. They did assure me that the payments were reapplied to the account. However according to the customer online payment history through the Ocwen website, it does not show the payments were ever reapplied. An escrow review should not require a multi-payment reversal. I feel as though Ocwen is retaliating against me for making complaints against them to the CFPB. 
I have never missed a payment and do not know why Ocwen continues to make things difficult for me to ensure my account is serviced correctly. I am XXXX and I am even having a difficult time figuring out what is occurring and why action is being taken on my account. In my professional experience, inaccuracies and misapplication of funds tend to increase with multiple reversals and reapplication of payments.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : XXXXConfirmation of the corrections made to the disputed item. 

XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

XXXXA detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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

To whom it may concern : Equifax mishandled my personal information as well as 143 million others. To make matters worse, Equifax did not attempt to contact me about the security breach ; rather, I found out from the news that I should check my impact status myself.
I just found out from their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) that " Based on the information provided, we [ Equifax ] believe that your personal information may have been impacted by this incident. '' This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted XXXX XXXX, XXXX XXXX auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manageXXXX at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.
Product: Credit reporting

XXXX performed a credit check without my authorization or knowledge XX/XX/2016. I was notified through by telephone from a XXXX voice mail on XX/XX/2016. This is the second incident XXXX fraudulently participated in on the same day - see CFPB Complaint Number # XXXX. This is a red flag as it is the same fraudulent business practices similar to the XXXX scandal.
Product: Checking or savings account

on XX/XX/2022 I received a charge of {$75.00} on my debit card On this date I was working at XXXX XXXX XXXX in XXXXXXXX XXXX  the charge was from XXXX XXXX in XXXXXXXX XXXX. 

Boa has denied my claim twice and stated it was a chip on chip transaction. 

I provided Boa a signed letter and emails from my company that I was at work that day and not travel to XXXX to get my nails done Boa did NOT contact the merchant and they were unable to give me a time or a signed receipt from the merchant. Did the store have cameras. etc this is {$75.00} but what if were {$1500.00}.? 

i have called the last 2 days and they will not even accept my calls
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Midland Credit management XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank
Product: Payday loan, title loan, or personal loan

I borrowed XXXX in XX/XX/2018. I agreed to pay {$130.00} every 2 weeks with the understanding that my last payment would be XX/XX/2018 would be my last payment. They claim I missed a payment, but the fact is when I set up this loan they didn't tell me I couldnt use a prepaid debit card. Now they want to charge me 399 % for a missed payment. Which means I have to continue paying until XX/XX/2018. Also they are telling me they no longer service my state ( Maryland ). If I want to pay the loan off it would cost XXXX. They said the interest is compounded daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove fraud alerts and statements from both my XXXX and Transunion credit reports and I haven't been able to. I would like to delete all fraud alerts and statements from my credit reports
Product: Student loan

After graduating from law school, my stepfather was helping me make my loan payments. I never missed a payment or requested my monthly payments be reduced. My stepfather unfortunately passed away unexpectedly XX/XX/2015, and all of our family 's assets were tied up in his estate. I was no longer able to pay my loan, which at the time was over $ XXXX/month. I applied for a forbearance based on financial hardship, and maintained my forbearance for six months. When I came out of forbearance, I requested an income-based repayment plan, which was granted, but brought my payment down to $ XXXX/month, which was also an extreme hardship for me. I was told this was the lowest possible rate. However, after only a couple of months later, Navient increased my payments by over {$400.00} per month. When I called to try and reduce these payments, I was heavily encouraged to apply for another forbearance. I was instructed that the payment rates had been bumped up by the Department of Education. I tried once again to apply for income-based repayment, and then Navient told me that they had to calculate my payments based on my combined GROSS income with my husband. Mind you, my husband also pays {$1000.00} a month to Navient for his own loans. That means they were calculating my payments based on combined, pre-tax, pre-Navient payment income. When I tried to point out how wrong this is, I was just told that was policy. Then, they told me that the {$400.00} bump ( now a $ XXXX/month payment ) was actually LOWER than the rate would be if I had elected IBR. This was the ABSOLUTE LOWEST they would go. Any time I requested a reduction, I was encouraged once again to apply for forbearance. Again, I have never defaulted. I have never missed a payment unless on official forbearance. I am an attorney with a good job, and I have not been able to save to buy a house with my husband or put anything away for retirement. Half of my income goes toward my loan payments, causing extreme financial hardship for my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate and Inconsistent Credit Reporting Dear XXXX XXXX XXXX, I am disputing inaccurate and inconsistent information reported on my credit file regarding Account # XXXX XXXX The reported charge-offs and delinquency statuses vary across XXXX, Experian, and XXXX, indicating reporting errors that are negatively impacting my credit. 

Additionally, the monthly charge-off status misrepresents the Date of First Delinquency ( DOFD ), creating confusion and prolonging the negative impact on my credit file by making the delinquency appear more recent than it actually is. This practice unfairly extends the damage to my credit profile, contrary to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, which limits how long negative information can be reported.

Under 15 U.S.C. 1681i, I request : 1. Validation of the reported information across all three credit bureaus.

2. Correction or removal of any inaccuracies if validation is not possible.

3. Notification to credit bureaus of this dispute and necessary updates for accuracy and consistency.

Failure to correct these discrepancies may result in a CFPB complaint and legal action under the FCRA. Please respond within 30 days.

Attachments : Screenshot from all XXXX  bureaus highlighting inconsistencies Sincerely, XXXX XXXX
Product: Debt collection

Innovative Recovery ( " IR '' ) posted an incorrect debt to my credit reporting. I contacted them with their information from credit reporting years ago and learned that it was related to claimed rent for a month post my move-out at XXXX Apartments XXXX I contacted XXXX Apartments and provided them with the email correspondence with the prior property manager confirming my move-out dates and that my account had no amounts outstanding. I never received any communication from XXXX and the first time I became aware of this debt was as a result of a decline in my credit score where IR reported an incorrect debt owed. XXXX told me they could not do anything about it, since they already turned it over to IR and I needed to work with IR. I contacted IR again and provided them with my supporting paper trail via email. They proceeded to call me several times requesting payment and threatening the impact to my credit report. I explained to them several times they have an incorrect/invalid information and provided them with supporting documentation and they've ignored it. I've disputed with all of the credit agencies ( including providing my documentation ) and they've told me that IR has certified in their response that it is valid and therefore since it is certified they need to keep it. This is absolutely ridiculous that simply just saying " valid '' in an electronic response is an acceptable basis for a collections agency to operate. A grave injustice has been done by this Company and my supporting documentation has been ignored and continues to be ignored. I have no history of a single late payment nor any debt collection. I am responsible with my credit, as demonstrated with my long history. This situation has impacted my access to credit and the rates at which I am being provided debt ; and with a collector reporting incorrect information and telling me they will only remove it if I pay something that I do not owe, this is just an unacceptable business practice. This was showing up on the report of my ex as well and they bullied her into paying half, which she needed to get this removed from her report to apply to law school. I am seeking help to remedy this situation. They must be doing this to other consumers as well and this should be investigated and put to a stop. Any help you can provide would be very much appreciated.
Product: Credit reporting or other personal consumer reports

EXPERIAN recently verified an upstart/customers bank loan account that I showed proof was reporting inaccurately. So I want to request the method of verification on how the account was verified because I believe EXPERIAN did not verify the account and EXPERIAN was recently sued for doing sham investigations. I believe this was another shame investigation.
Product: Credit card

On or about XX/XX/year>, I applied for a Capital One credit card and it was approved. Approximately 2 weeks later I applied for another Capital One credit card and it was approved. I applied for the second card because it was a Walmart Rewards card and I shop at Walmart frequently. I began to use the cards to try and accumulate rewards. I made payments on the credit cards totaling more than {$1300.00}, in a one month span. In XXXX of XXXX, Capital One contacted me via email and informed me that they were closing both credit card accounts because of past legal issues I had with Capital One. I have never had any legal issues with Capital One except for them being included in past bankruptcies which they fully knew about before opening the new credit card accounts. I have been an exceptional Capital One customer and I have paid off 2 auto loans with Capital One. They are in complete violation of their credit card agreement in closing my accounts. Not only did they close my accounts but they didn't allow me to use my rewards how I intended to use them. They have no legal basis to close the accounts being that they were in good standing and I have complied with all legal terms with the accounts.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I authorized a zelle transaction through my mobile app with my bank, Rockland Trust. Turns out, it was a fraudulent merchant. I filled out the fraud papers for the bank, sent screen shots of several text message and call logs from the merchant and myself. Two weeks later and the bank will not refund my money. I understand I authorized the payment however, banks have protection for stuff like this with their customers and consumers. The transaction occurred on XXXX. I did not receive any correspondence from the bank, I had to call them for statuses. The amount of the claim is {$800.00}. I appreciate any help with this. I'm so disappointed in Rockland Trust as I have been a loyal customer for the past 25 years. I can reach out to any of my credit cards and state fraud happened and they refund the money in days with no questions asked. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, 2017 I have continuously submitted dispute with the three major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The three major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.
Product: Checking or savings account

About 10 days ago I wanted to send money to a different platform and all of a sudden they froze my account. I was prompted to call the help center. When I did that, they just put you in line to get back to you. I received a call last Saturday morning at XXXX. I was half asleep. I managed to answer all of the agents questions. However, she gave me homework that I received via email. I got the email and I was asked to provide proof of XXXX banking documents. One was the actual account that I can submit. The other XXXX were for debt cards that have been hacked over the years and no longer exist. So, I cant move forward because they keep sending the same email request constantly. I respond to it and no one replies. Just the same prompted email from them. 

Do to this level frustration that they caused, I want to withdraw my funds immediately. I dont think I can do this without your help because they do not respond to me and are essentially holding me XXXX from what Im entitled too. 

This is unacceptable.
Product: Checking or savings account

Unfair overdraft practices from XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed the account that opened without my consent was still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account that is found to be opened due to incorrect credit reporting. The disputed account does not my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove this account. If you feel there is a possibility this account was allowed by me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$0.00} ; XXXX ) XXXX XXXX Date opened : XX/XX/2021 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 3 Inquires on my credit report that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent information is being reported on my credit report and Experian has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.
Product: Bank account or service

To whom it may concern, I am writing this letter to plead my case about why I deserve to have my bank account reinstated. 

A few months ago I was approached by an acquaintance asking for help, he said it was urgent. He told me that he needed me to cash out his money order since he was unable to do it himself because he was having issues with his account and that it would be a big favor if I could do it for him. I had no experience dealing with accounts like this before so was not as suspicious of his motives as I now realize I should have been. I believed him and did him the favor. Now, I realize I got lied to, victimized and hustled. I am ashamed I allowed myself to get taken advantage of and that I was so nave.