23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX. XXXX XXXX * Account Number : XXXX * Status : Late Payment * Account Number : XXXX * Status : All 3 agencies * Account Number : XXXX * Status : Charge Off * Balance : {$7300.00} * Account Number : XXXX * Status : All XXXX Charge Off XXXX. XXXX * Account Number : XXXX * Status : All XXXX XXXX XXXX. XXXX XXXX * Account Number : XXXX * Status : XXXX and Equifax Late Payment XXXX. XXXX XXXX * Account Number : XXXX * Status : Collection XXXX and XXXX XXXX. XXXX * Account Number : XXXX * Status : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Debt collection

I keep getting a phone call from XXXX XXXX saying he's from Credit Corp Solutions. He has used illegal tactics, saying I need to pay this debt or he'll have no choice but to file legal actions against me. I complied and set up a {$100.00} payment, but then I was told by my uncle, who is a lawyer, that I shouldn't have until they sent me proof of debt ownership, which they did not. And they are not allowed by law to make a legal threat via phone, which he did. I have blocked this payment from being charged to my credit card. This company must be held accountable for using a scare tactic to pay this debt and not complying with the FDCPA. I want Consumer Financial Protection Bureau to have this company accountable for illegal debt collection practices. For any more threatening calls, my uncle is prepared to file a harassment suit against them.
Product: Credit reporting or other personal consumer reports

I previously had a {$25000.00} credit limit for a cash rewards credit card with Navy Federal Credit Union. I unfortunately fell on hard times and navy federal ended up closing the card and charging it off. 

I made a lump sum payment of {$500.00} and set up a payment plan in XXXX XXXX for $ XXXX to satisfy the charged off debt. 

I'm cleaning my credit up so in the midst of looking at my credit report from XXXX, XXXX and XXXX I noticed that navy federal reported the same exact account TWICE on my XXXX and XXXX report. 

One shows a balance of {$24000.00} last reported on XX/XX/XXXX and the other shows a balance of {$24000.00} last reported on XX/XX/XXXX. 

Both of these are technically inaccurate as I paid them a {$500.00} payment in XXXX XXXX, but the balance reported in XXXX XXXX is {$24000.00} instead of the accurate balance which is {$24000.00}. 

I did not have XXXX different accounts with the same credit limit. I only had XXXX cash rewards account with them so it should not appear on my XXXX and XXXX report twice. That is inaccurate information and it's having an adverse effect on my credit report by showing I owe more debt than I actually do. 

I've tried calling their collections department to see if they can fix it, I've messaged Navy Federal Credit Union via their internal messaging system as well as disputing it through XXXX with no results. I'm not able to dispute it through XXXX yet or else I would. 

I'm asking that Navy Federal Credit Union please remove the duplicate reported accounts on my credit report and fix the actual reporting inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX. Upon reviewing my credit report from XXXX, Experian, and XXXX, I noticed that there are three different dates of last activity being reported. XXXX lists the date as XX/XX/XXXX, Experian lists the date as XX/XX/XXXX, and XXXX lists the date as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

my name is XXXX XXXX my husband and i seperated in 2011 we had a morgage loan thru greentree financial my morgage was current at the timemy husband lost his job and i was having trouble making my morgage so i called green tree to tell thenm what was going on they told me to get a written statement from my husband saying we were seperated and they may be abel to give me a modification on my loan so i could afford it my payment was XXXX a month i had to send them papers with my payments that i had which was utilities insurance ect i had XXXX children liivng with me this company led me to believe for at least 4 months they were going to help me with this modification well guess that was a lie i finally got a letter stating that they couldnt do the modification i made to little money mind you i had been paying for this home for at least 11yrs i was devestated they called me everyday at least 5 to ten times a day wanting me to send a payment than the one night i get a call from a rep of theres saying XXXX XXXX you did not get the modification and you have to come up with a payment i told him i would try to get a payment when i got paid he said cant you get it from a family member or friend your behind and i think at the time 3 paymentsi said yes sir he said i dont mean to be a XXXX but you cant live there for free by this time i was in tears as to how rude and non understanding he was i dsaid you all led me to believe you were helping me four 4 months now you tell me i have to get out in the middel of the winter with XXXX kids and know where to go he said you have to XX/XX/XXXX to get out which was not even a month or the police will bring papers to remove you i was devastated at the way this man spoke to me itold him i would try to get all the payments to them with income tax but he would not here of this he said send me at least a payment or you have to leave this is my story i ended up leaving and signing papers to them losing my home to them in leiu of deed they gave me and my husband so much time to get everything out of the house they brought dumpsters and trailers and took my husbands stuff out of the garage and the house which went to them because my husband could not get there because of the snow to retrive his things they kept what they wanted gave it to a relitor and and sold it. i think i was treated very unfairly and was thru out with my kids in the middel of winter, i was lied to by this company and i did everythin they saked me to do to try to save my home i thought this was what a loan modifaction was to help people to save there homes this is a very decieving company you may ask why im taking so long to see if anything can be done or if i have any legal grounds to stand on i will never be abel to get another home because if this they sold my home for near nothing to the relitor but could not help me pretty sad if i say so my self well thank you for reading my complaint sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and are not authorized by me. 

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: Debt collection

I have never received any letters or contact from this company it just showed up on my credit report.     I have no clue who they are and have no contract or such with them.      XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  I tried disputing through  XXXX  but was told updated and that was it
Product: Credit reporting or other personal consumer reports

This is my SEVERAL request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX A XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX **** Balance Owed : {$860.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$450.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

Regions Bank filed a lien on my property at XXXX XXXX XXXX Tennessee XXXX on XX/XX/2007. I recently contacted XXXX XXXX XXXX at phone # XXXX, ( XXXX ). I have contacted several regions associates and every XXXX keep passing me to someone else ( from XXXX branch to another branch ) but getting no results. The address to Regions Bank that has filed the lien on my property is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I find this debt to be invalid and possibly fraudulent. Thank you for investigating this matter.
Product: Debt collection

I got Company before he tried to do the same with me and he dont able to have proof. I owe the money so now after you guys send the letter to that company and take off my collection. The same company is sell the problem to the other collection company And the collection company you have any proof to I owe the money so I wan na resolve these problem because it cost me suffering economic against my credit
Product: Credit card or prepaid card

USBank froze my Business Edge credit card against my will. USBank did not allege that I violated any terms of service. I complied with all of the bank 's requests. My account had XXXX rewards points, which are equivalent in value to {$470.00}. My access to those funds has been cut off by USBank. These are rewards I earned in prior periods that I now can not redeem. I request a payment of {$470.00} to make me whole.
Product: Credit reporting or other personal consumer reports

I have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed.

I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquired on XX/XX/XXXXXXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXof former friend use my information and created an account with XXXX I have reached and notified XXXX that I was not the one who made the account and that my information was used with out I never purchased anything from XXXX myself however XXXX did not close the account nor did they conduct any investigation to my claim I haven't heard from XXXX since the first bill until I was served papers in XX/XX/XXXX almost two years later saying that Not only was this in collections but they have sold my account and information to another company I was never notified of the sale or them even planning to to sell through the filed Court claim I learned that the company that they sold it to was Jefferson Capital Systems LLC collection agency. In the bill of sale/purchase agreement it clearly states that Jefferson capital systems has to update XXXX  with any payment information that is concurrent and dates of payment and XXXX has to report those changes to the credit report bureau promptly and both companies failed to do so.they have already gone through the court process and had this account to be garnished from my job a year later they did garnish my paychecks starting from XX/XX/XXXX until it's completely paid off from XXXX which is my place of work my issue is that all my credit report it does not reflect to which collection agency XXXX sold my account to or who purchased that account nor does it have an update stating that the account was paid in full and is closed and been satisfied instead of says it's delinquent and it's really putting a big red mark on my credit I would like that do you have updated I believe I should have me at my money back due to the fact that is not wasn't me who opened the account but at this time I just would like to have my information updated on my credit report report there is no report from Jefferson Capital Systems LLC even having this account or that it was in collections that it was open and they're working on suing me and it doesn't say that I was garnished and paid it off last year
Product: Credit card or prepaid card

The Chase United Airlines Explorer card is offered with incentives that frequently change. My wife I and each chose {$250.00} credit + XXXX miles if we each spent {$3000.00} in 3 months. We did. Chase only gave us {$250.00} credit but only XXXX miles. Chase has refused to provide the additional miles even though I have a screen shot of the XXXX miles incentive.
Product: Credit reporting or other personal consumer reports

I am writing to demand remedies for damages pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) due to your agency 's violation of my rights as a consumer. I assert that there was a failure on your part to conduct a reasonable investigation in accordance with 15 USC 1681i ( a ) ( 1 ) ( A ), and an ongoing act of furnishing outdated and incorrect information related to my XXXX  XXXX Account # XXXX even after I had brought to your attention that this account had surpassed its statute of limitations. 

For your reference, on XX/XX/2023, I formally disputed the expired account via the Consumer Financial Protection Bureau ( Complaint # XXXX ). On XX/XX/2023, I received notification from your agency that the account was " verified '' and was dismayed to see the updated credit report still indicating the presence of the expired account. Subsequent to this, on XX/XX/2023, I escalated my complaint and also attached an invoice seeking remedies for damages due to willful noncompliance via the CFPB ( Complaint # XXXX ). I made it abundantly clear that I disagreed with your verification results and demanded the removal of the expired account without delay as it adversely affects my credit standing. I have attached all previous disputes for your convenience. 

To my dismay, on XX/XX/2023, while I received a response to my complaint ( # XXXX ) from Equifax stating the deletion of the account in question, the complaint was simply closed " with an explanation ''. No remedies for the damages I had outlined in my invoice were addressed or sent.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to complywith federal law.You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I**demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and**permanently**. This is your **final warning**, and I expect **written confirmation** of thedeletions without delay.If I do not receive confirmation of the deletions within the next 10business days, I will proceed with full legal action, which will result in **significantconsequences** for your continued disregard of federal law. 



Negative Accounts Account Name : XXXX XXXXXXXX When Was This Account Opened : XX/XX/XXXX Account Balance : {$390.00} Hard Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian dropped my credit by XXXX points. Nothing on my credit report changed from the day before. I called and they couldnt tell me. I wrote and asked them why and they sent me an email telling me my case was resolved, yet there has been no change in my report and no answer to my question. None of the other agencies made that drop. Just Experian. All other agencies are more than XXXX points higher. They were all nearly the same until XX/XX/year> when it drastically dropped.
Product: Mortgage

Our mortgage service company, OCWEN, failed to comply with MD XXXX XXXX for timely disbursement of our surplus escrow balance within 60 days from receipt our request and OCWEN 's agreement to discontinue monthly escrow collection by OCWEN for annual payment of our property taxes and insurance. OCWEN initiated internal disbursement procedures in XXXX of 2015, but has no explanation why the disbursement was never completed and continued to hold and draw interest on more than {$4000.00} in our escrow without any action until we complained and demanded disbursement on XXXX/XXXX/2015 and XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted XXXX  Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting XXXX  I am just given a run around, such a unethical behavior and unprofessional service.
Product: Credit card or prepaid card

Kohls credit card The protected balance variable interest rate increases each time there is an increase in purchase variable interest rate. I have two balances on my credit card statements from Kohls one is the purchase balance that one is subject to variable interest rate changes. The other balance is a protected balance that should not be subject to variable interest rate increases. The issue I am experiencing is that each time my purchase variable interest rate increases the exact amount of increase also happens to my protected, balance, variable interest rate. 
I only have access to my XXXX statements and have provided the information below, and also followed up with an email with pictures of the statements. But this issue has been happening since I received a protected balance, variable interest rate, and it has been increasing each time I purchase APR increases. Ive been trying to get help over the phone about this problem they will not help me over the phone. They said I need to mail a letter or pay off the balance to stop the increase of rate on the protected balance.

Statement : XX/XX/XXXX Purchase rate 28.99 % Protected balance rate 27.99 % Statement : XX/XX/XXXX Purchase rate 30.24 % Protected balance rate 29.24 %