23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is under a payment plan already. Portfolio Recovery. Why is it being reported on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I checked my report and notice some inquiries I didn't authorize.. 
1. XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX XX/XX/XXXX 5. XXXX/ XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX
Product: Debt collection

Alliance 1 collection agency regarding ezpass tolls they are charging me $ XXXXThe original amount due was {$550.00} which I paid in full on my XXXX card. I wrote a dispute letter but I plead my case to them I think it 's outrageous that they want to charge {$3000.00} in fees and interest this was an old debt from 2012 please help me with this matter I think this is not legal thank you
Product: Checking or savings account

I opened my TD bank beyond checking account on XX/XX/XXXX as a new customer as there was a cash promotion for new customers. 

The term was to earn {$300.00} if I have {$2500.00} in qualifying direct deposits within 60 days of account open. Minimum {$5000.00} had to be maintained in order to have the maintanace fee waived. So I deposited {$2500.00} twice and kept it for 6 months. 

However, my cash bonus never came through and when I called the TD bank representatives twice in XX/XX/XXXX, they were all saying that I didnt sign up using the correct online promotion link, but through the direct mail site. 

I never used a promo code from a direct mail and couldnt believe that they didnt make up to what they have promised although I followed all the prerequisites. 

I was also told that I am forever ineligible to receive any promotions from TD bank as I will never be a new customer now. 

I tried calling the XXXX ( promotional dept provided by the bank teller ), but, of course, they never called me back despite I left multiple voicemails. Is this some sort of scam to use my money and information for some other purpose? Obviously, TD bank is not responding to me and avoiding me. 

I am deeply disappointed and concerned that major bank like TD bank can be so unethical to their new customer. I wanted to make sure and report their misbehavior so that no other customers get affected by their false promotions.
Product: Mortgage

We want the CFPB to have Ocwen show how they could service a loan for a company that was out of business before we got the loan? 

We would also like the CFPB about Ocwen 's breach of contract. Ocwen started servicing our loan, XX/XX/2013. They applied the first payment on time but charged us a late fee. 

Also, we would like the CFPB why they breach our contract from XX/XX/2013 - XX/XX/2013 without paying our homeowner 's insurance? When we requested a rescission all of the TIL disclosures were incorrect and Ocwen had been in breach of our contract for failure to pay XXXX for 6 months. This violates RESPA and Georgia Residential Mortgage Act.

False disclosures are the same as non-disclosures.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I spoke to a representative at all three credit reporting agencies about some inquiries that was on my credit report that I dont recognize. She advised me to contact the CFPB so that they can be removed. She stated once they receive my complaint they would be removed. I did not authorized any of these companies to have my information. Enclosed are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to 2 years to get items removed from Equifax report using a confirmation number type directly to my credit file. They will not comply with my request. They are saying they can not locate my credit file. Then how can these fraud debt collectors locate and put fraudulent information in my Equifax credit file? Are they working together? The confirmation number I used that is tied directly to my credit file that they send me is XXXX this is a direct link to my credit file and every dispute I have sent with this number the say they can not locate my file but this creditors can locate my file.
Product: Student loan

I issued a payment for 2 Unsubsidized Loans to Edfinancial on Friday XX/XX/XXXX for {$6000.00}. The payment was to pay the total of my last Unsubsidized Loan of {$3500.00} ( XXXX on pictures ) and {$2500.00} for a part of loan ( XXXX ). {$6000.00} was taken out from my checking account on Monday XX/XX/XXXX and by XX/XX/XXXX only {$2500.00} ( for XXXX XXXX ) payment was processed. 

However, the remaining balance issued to pay the total balance of my last Unsubsidized loan ( XXXX ) is not showing up anywhere. The whole loan is still accruing interest on the total of the loan and they haven't respond to my email regarding this issue. I want to know where the remaining {$3500.00} are and why they are not process that payment. 

I added pictures of when the money left my bank account, and my balances on EdFinancial end. 

Thank you for any assistance regarding this issue. 

All the best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4200.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that COMENITY BANK XXXX didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 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 shall ( i ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. I really hope we do not have to take this to court. The following account is in question CBXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number 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 account without my written instructions.
Product: Debt collection

I recently had a fraudulent account removed off of my credit report. They placed it back on there days later with a different debt collector! I tried to file a new FTC report and they recommended me to file a CFPB complaint.
Product: Bank account or service

I had made a deposit into my account with Jp Morgan Chase Bank and a third party that had my account number and routing number went into my account without my permission and withdrew money. Not only did they withdraw money but it was for more than what I had between both savings and checking. The morning I get an email from the bank letting me know that my acct was withdrawn I called my bank and to find out why and they said that there had been XXXX separate attempts to withdraw money from my acct from this party and that XXXX had been approved even though it was fro more money than I had in acct and was then charged for XXXX insufficient fund fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft resulting from a data breach, these entries were made without my authorization and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ).

Fraudulent Accounts : XXXX. Creditor Name : XXXX o Account Number ( Partial ) : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2700.00} XXXX. Creditor Name : XXXX o Account Number ( Partial ) : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number ( Partial ) : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2700.00} XXXX. Creditor Name : XXXX XXXX o Account Number ( Partial ) : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. Creditor Name : XXXX o Account Number ( Partial ) : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXX o Date Opened : XX/XX/XXXX o Balance : {$290.00} Fraudulent Inquiries : XXXX. Inquiry Name : XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX : XXXX  XXXX  o Date : XX/XX/XXXX XXXX. Inquiry Name : XXXX XXXX XXXX o Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Erroneous Charge-Off Entry by XXXX XXXX To Whom It May Concern, I am reaching out to address an urgent and unresolved issue with my credit report, which involves an inaccurate charge-off entry reported by XXXX XXXX. Despite previous attempts to rectify this matter, the following critical inaccuracies remain uncorrected : Account Details : * Creditor : XXXX XXXX * Account Number : XXXX XXXX * Account Status : Charge-Off * Account Type : Installment * Date Opened : XX/XX/XXXX * Remaining Balance : {$0.00} * Last Payment : XX/XX/XXXX Primary Issues : 1. Incorrect Payment Record : The account erroneously shows a payment made in XX/XX/XXXX, which is not accurate. My records confirm no payments were made after XX/XX/XXXX. This error violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) regarding the accuracy of information.

2. Inaccurate Charge-Off Status : The account is misclassified as a charge-off. Per IRS guidelines and standard credit reporting practices, this account should be reported accurately, reflecting its settled or paid status without negatively impacting my credit report.

Legal Violations : * FCRA 1681e ( b ) : Mandates that consumer reports must be accurate.

* FCRA 1681s-2 : Requires furnishers to provide accurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the reporting of inaccurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Obliges prompt correction of reported inaccuracies.

Consequences of Errors : * Credit Score Impact : The erroneous charge-off has unjustly diminished my credit score.

* Financial Impact : The continued presence of incorrect information affects my financial health and creditworthiness. 
Requested Action : I demand the immediate deletion of the erroneous charge-off entry from my credit report. Given the severe impact this incorrect information has had on my credit profile, a mere correction is insufficient. I expect this issue to be resolved within 10 days. If this matter is not addressed promptly, I will pursue further actions, including legal remedies, to protect my rights. 
Thank you for your attention to this urgent request.
Product: Money transfer, virtual currency, or money service

PayPal XXXX XXXX ID XXXX I bought the XXXX through XXXX and paid to the seller through PayPal, but the seller sent me the damaged and irreparable Gundam. The seller promised that the XXXX was intact before, but he lied to me. When I asked the seller whether I could refund the XXXX, the seller also promised me, but later the seller lied to me. So I proposed to PayPal to review this case. After I sent all the chat records with the seller and photos of the damaged XXXX, PayPal actually refused to agree to my refund, on the grounds that I thought XXXX was damaged by me. However, I had all the chat records with the seller and sent them to them, and the seller admitted that the XXXX sold was damaged. PayPal did not seriously review the case and could not guarantee the rights of buyers.PayPal did not agree to my refund, and has closed my case, the amount is very small, but I will never compromise! 
Thank you for your help. Have a nice day
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account with Chase ( JPMCB CARD ) ending in XXXX. According to my credit report, the account was closed by the credit grantor on XX/XX/XXXX, with a {$0.00} balance. However, Chase has stated that the account was closed in XX/XX/XXXX, creating a discrepancy in the reported closure date. 

Additionally, my credit report shows that between XX/XX/XXXX, and XX/XX/XXXX, the balance on this account increased by {$50.00}, from {$0.00} to {$50.00}. I was not notified of this balance by Chase and only discovered it through my credit report. Upon contacting Chase, they confirmed that the {$50.00} charge was an error related to a XX/XX/XXXX statement, which occurred after the account was closed. Chase issued a reimbursement check for {$50.00}, which I deposited on XX/XX/XXXX. 

The conflicting account closure dates, the erroneous {$50.00} charge, and the failure to notify me have resulted in inaccurate reporting on my credit report. I am requesting that this account be removed entirely from my credit report due to these significant errors and inconsistencies.
Product: Debt collection

This compliant file against the law frim of Molding & Slinsky, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of XXXX XXXX XXXX Here are the fact XXXX XXXX is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that CPA was out commission for a year. XXXX XXXX just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that XXXX XXXX request over since the card was issue back in XXXX. the evidence will show that there are two card that  have a XXXX per card per year membership fee. Which is XXXX that XXXX XXXX just bill the client for. XXXX XXXX need to refund those charge. and this account is not past due on the second card number is XXXX but XXXX XXXX failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin XXXX XXXX for take there client money and then close there account. that unfair practice. please have XXXX XXXX to produce and presented a validate document of this debt by a sign date personals Guarantee by  the owner of a LLC.
Product: Debt collection

I was living in an apartment in XXXX XXXX, MI named XXXX apartment with the management of XXXX XXXX for around 5 years. Before I moved out I asked them to give me and inspection and estimate cost of damage that might happened to the apartment, they REFUSED! 
After few month I noticed that I have a debt in a collection agency that is damaging my credit score. Finally I figured out that the apartment complex made some fraudulent bill for the damages that I did not made to the apartment and SEND IT TO A COLLECTION AGENCY WITHOUT CONTACTING ME!!!

The collection agency did the same and did not call, mail or email me to negotiate the debt and after reporting to my credit company and hurting my score send me an email about the bill!

I think that is their strategy to ruin people credit to threaten them for more damage they will make on the credit score to get the money as soon as possible. 

I need both my XXXX apartment ( Run by XXXX XXXX, XXXX, MI ) and collection agency ( NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX, XXXX, GA ) proof that they have contacted me for the debt! 
They also need some proof for the made up bill! 
for example around XXXX bucks just for removing trash! I vacuumed cleaned the apartment! 
also for carpet and other damage they need to show proof and also a good excuse why they did not contact me to negotiate and confirm the bill. 

Another fraudulent fact that you can see is that they send me the bill on XX/XX/2022 after I asked them and after they sold the debt to the collection agency and you can see in the bill that they billed me XXXX USD but they sold the debt tothe collection agency for XXXX USD! 
Just look at the bill and the date on it! after sold it to the collection agency! 
Will also upload some pictures of the apartment is necessary. 

Really appreciate your help.
Product: Credit reporting or other personal consumer reports

15USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT MY WRITTEN CONSENT. This erroneous reporting has hindered my ability to support myself. I ask that you use precedent cases Under code listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. listed below are the actions they have done.

1. Wells Fargo has labeled my accounts with the credit bureaus as a Account Included in Bankruptcy, account in XXXX  XXXX Bankruptcy and Loan Modified. None of this is correct and this has a major impact on my credit score.

2. Wells Fargo does not list their account as Purchased by another lender, or that they Transferred to another lender.

3. Wells Fargo list date of last payment and 1st delinquent payment as XXXX/XXXX/201. Last payment was XX/XX/2016 because account was paid off and was closed XX/XX/2016. 
Wells Fargo list the account on my credit as if it is a second mortgage.
Product: Credit card or prepaid card

Hi I want to file a complaint against Capital one credit card, on XX/XX/2021 I bought a ticket to flight to XXXX using my rewards miles with my pocket money, I suppose to flight on XX/XX/XXXX, but I canceled because of corona virus, 3 weeks before my flight i tried to canceled i went throw so frustration process calling every day waiting 2 hrs. until speak with some one transfer me waiting another hour speak for 5 minutes or nobody speak at all disconnect me trying to calling back this number doesn't accept call back that is a message I ve been told, never calling me back! leave my problem unsolved, again afternoon 2 hrs. waiting speak with some one transfer me to travel center tell me different story proms me to solve my issue, same process disconnecting no solving my issue! doing that for 3 weeks talk to 20 people every body telling me different things to convivence me, after a week pass my due day flight in same frustration process told me wait until we speak with XXXX XXXX, after 2 more weeks finally i saw my pocket money back, but never saw my rewards miles which is XXXX miles back, today is XX/XX/XXXX I am on hold now waiting two hrs. they just lying i don't know how they are in business still, please some one solve this issue. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, both credit agencies consistently respond within 24 hours stating that the account is accurate without providing proof of a substantial investigation. This practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of all disputes. I request that the CFPB take action to ensure that XXXX and Equifax comply with the law and provide consumers with necessary proof of investigation. Account names are as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Good evening, Consumer Financial Protection Bureau. I kindly pray you are blessed today. I am in need of assistance regarding issues concerning unexpected fees. After the first payment was made, there were funds that were partially to be utilized for important things, e.g. food. The balanced was counted ; it appears as if the company waited until the first payment was made to assess fees. As a result to this, there were decline fees that were unexpectedly assessed. This had brought to an inconvenience. There have been other inconvenience fees that had taken place with the transactions. I am communicating via CFPB because it costs {$1.00} to communicate as a peacemaker. Also, I have recently been in the hospital. I am please kindly seeking for the Consumer Financial Protection Bureau to process this respectful complaint.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Student loan

I am refiling this complaint for the third time. My XXXX prior CFPB complaints regarding this issue dated XX/XX/XXXX, and XX/XX/XXXX, respectively are attached. I once again request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have attached my XXXX credit report, which is dated today, XX/XX/XXXX, which reflects the information MOHELA furnished XXXX as of XX/XX/XXXX. I obtained my XXXX credit report directly from XXXX itself, rather than a XXXX-party app such as XXXX XXXX XXXX Please see page XXXX of the attached report. MOHELA has repeatedly assured me that a request would be submitted to XXXX to remove the comment, but I have yet to see any progress. The comment still remains! This is entirely unacceptable. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.
Product: Payday loan, title loan, personal loan, or advance loan

This company is charging an outrageous and impossible APR of 565.65 %