23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This situation is beyond frustrating and completely overwhelming. Imagine waking up one day to find a debt attached to your name that you have absolutely nothing to do withunverified, inaccurate, and completely foreign to you. On top of that, Ive been bombarded with aggressive collection attempts through multiple channels, each more relentless than the last. I never expected to be threatened with legal action over something that isnt even mine. As a law-abiding consumer, it is unacceptable to have my rights so blatantly disregarded. This entire ordeal has taken a toll on my mental well-being, and the stress has made it difficult to sleep for days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting me late for the month of XX/XX/XXXX. This is a complete error and violation to my FCRA rights. I have attached a screenshot of the late payment reporting on my report. 
I have also attached my Chase credit card statements for the month of XXXX, XXXX and XX/XX/XXXX. My payment due date on this account is the XXXX of every month. If you scroll down each statement to page 2 or 3 under " Payments and other credits '', you'll see that I have made a payment on time for XXXX, XXXX and XX/XX/XXXX. Here are the exact dates I made the payment as stated on my statement attached : XXXX : payment of {$78.00} made on XX/XX/XXXX XXXX : Payment of {$110.00} made on XX/XX/XXXX XXXX : Payment of {$150.00} made on XX/XX/XXXX The late payment that Chase is reporting is inaccurate and is causing a lot of financial damage to me and my family. Please delete this late payment immediately.
Product: Debt collection

I contacted One Main Financial to notify them that I was wanting to pay my debt in full. I was given a phone number to call after they informed me that they weren't able to give me an account number or any other information Associated to my account. I called that phone number and was told the same thing and given another phone number. I called that phone number and it was a Spam recording that was trying to make me take a XXXX XXXX bracelet. I've made several attempts to pay this account in full and have been unsuccessful. XXXX & XXXX. I also called the number listed on XXXX XXXX. XXXX.
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by NCA. Upon reviewing my credit report, I discovered that NCA has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to NCA or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that NCA is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at [ Your Contact Information ] to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Experian regarding this matter On XXXX XXXX 2015, there response that was this information was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I summited a complaint for inquiries I do not recognize on my consumer report. Its been more than 60 days and no response was given. Please delete this inquiries immediately as they are hurting my report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Over the past 12 days I have received 5 calls from Van Ru Collections at XXXX XXXX. They are calling my number because the purported debtor has the same first initial and last name as me, although the person they are trying to contact is a female, I am a male. Other than sharing the same initial and last name there is no reason to believe that person is at my number. Most calls were recordings, one was from a person. All went to voice mail. I have not called them back.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute inaccurate information off my report did not apply for nothing in my name fraudulent activity
Product: Debt collection

I never did any business with this company. I have pulled my credit report, and they are not listed as a debit that I owe.
Product: Debt collection

I checked my credit report to notice that a collection had been added from, CREDIT CONTROL SERVICE on XXXX. I didnt receive any notice about the debt so I was unable to dispute the account. I am well aware that the debt collection company has to give me at least five days before the account goes into collection which I never received notice of so not only are they breaking the law they are damaging my credit and hindering me from utilizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a one-way domestic plane ticket using Ultimate Rewards points. On XX/XX/XXXX, I went to ultimaterewardspoints.chase.com to switch to a different flight on the same day, but the website advised that I could only cancel and re-book. I canceled the ticket the same day. After canceling and attempting to re-book, I learned that ( a ) it's not possible to rebook directly with the airline ( despite the fact that it's a credit with the airline and not Chase ) and ( b ) it's not possible to rebook in a lower fare class. Neither of these facts appear anywhere on the website ( in fact, it implies in several places that you have the option to rebook with the airline directly or with Chase Travel ) and, after speaking with several agents, none were able to identify where I could find these policies on the website. At present, I'm unable to rebook online at ultimaterewardspoints.chase.com or aa.com, and when attempting to rebook over the phone, the agent will tell me they can't do it, that they need a supervisor to assist, and then I get transferred to the wrong number. 

The relevant XXXX  XXXX  is XXXX.
Product: Debt collection

I would like CitiFinancial to please take off all of my closes accounts from all three credit bureau so I can have a clean report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information that appears on my credit report from XXXX. The following accounts contain incorrect information that is negatively impacting my credit score, and I request that they be thoroughly investigated and corrected or removed as necessary. 
XXXX. XXXX XXXX  XXXX ( Account # XXXX ) * This secured card account is reported as open and in good standing. However, the payment history reflects that no scheduled payments were made after XX/XX/XXXX, which is inaccurate. 
* The balance history shows a {$0.00} balance with repeated payments marked on XX/XX/XXXX, but no ongoing activity. I request verification of these records to ensure accuracy. 
XXXX. XXXX XXXX XXXX ( Account # XXXX and XXXX XXXXX ) * These accounts are marked as " Potentially Negative '' despite being paid and closed. 
* Both accounts reflect late payments ( XXXX & 60 days past due ) in XXXX and XXXX, which I believe were either reported incorrectly or should not be factored into my XXXX XXXX due to their age and resolution. 
* Additionally, I have disputed these accounts, and the reinvestigation conducted in XX/XX/XXXX did not provide adequate justification for maintaining these negative remarks.

* One of these accounts states, " Account paid from collateral, '' which I believe does not accurately reflect the terms of repayment and should be corrected.

I am requesting the following actions : 1. A full reinvestigation into these accounts under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of the reported information. 
XXXX. Removal of any incorrect late payment notations and the " Potentially Negative '' label on accounts that have been fully paid and closed. 
XXXX. Documentation from the furnishers confirming the accuracy of these reports or immediate removal if they can not be verified. 
I have attached screenshots of my credit report reflecting the disputed accounts for your reference. Please update my credit report accordingly and provide me with written confirmation of the outcome of this investigation. 
Thank you for your prompt attention to this matter. Please contact me if additional information is required. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX  ( XXXX XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Mortgage

Wells Fargo Home Mortgage Has a Correction Agreement Limited Power Of Attorney that is not legally stamp nor sign by a Notary which is left blank. There is on the page sent to me by Wells Fargo Home Mortgage limited certificate attach to what page or what document there is no such page or no reference to what page or what document it is attach to. Wells Fargo Home Mortgage just sent this document after years and 7 months of filing with CFPB requesting documents. The Correction Agreement Limited Power Of attorney is not legally binding due to errors no Notary stamp nor sign by the Notary. As to the California All Purpose Certificate of Acknowledgement document is not my signature and is forged as if it is these to documents that Wells Fargo Mortgage is stating there both in error as well as forged any one can see that the California All Purpose Certificate of Acknowledgement is filled in and sign by the same person. The Correction Agreement Limited Power of Attorney has a total different signature that is the CAPC to make the loan legally binding. That document is not my signature nor sign by me to make the loan legal and as to the Correction Agreement Limited Power of Attorney is not notarized by no notary nor stamp by no notary which both documents are not legally binding there was forgery by the notary in which I have had file with the Secretary of state to the notary that filed and sign my name and said I personal appeared if I was there why is the Correction Agreement Limited Power of Attorney not sign by the notary and stamp and why did some one forge my name and said I personally appeared and sign any one can see that the documents I sign is all the same and this document has been forged as well this is not no legal binding contract. 
Wells Fargo Home Mortgage has yet to provide from a document place that the CAPC of Acknowledgement is my signature and has not yet provided no such proof to make this loan legal and the instrument a legally binding contract. There has been forged documents by the Notary/ Wells Fargo Home Mortgage XXXX Now that this last document was sent I can pursue legal matters and legal action on Wells Fargo Home Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB PLEAS RETAIN COPY OF THIS COMPLAINT DISPUTE. THIS PARTICULAR DISPUTE DATED XX/XX/2023, WAS MAILED TO TRANS UNION AND WAS SIGNED AND RECEIVED ON XX/XX/2023 BY TRANS UNION EMPLOYEES. INSTEAD OF THE DISPUTE BEING INVESTIGATED THEY REPLY BY MAILED WITH A LETTER DATED XX/XX/2023 THAT THE INVESTIGATION WAS NOT UNDERTAKEN BECAUSE THEY DID'T BELIEVE IT CAME FROM ME. I ALONG WITH THAT DISPUTE I INCLUDED ALL MY VERIFICATION DOCUMENTS AND THEY REPLIED BY TO ME USING MY ADDRESS. SO THE EXCUSE POSE BY TRANS UION DOES NOT MAKE ANY SINCE AND IS A CLEAR VIOLATION OF 15 USC 1681i. SO NOW IM GOING TO RE-SUBMIT THAT SAME DISPUTE THROUGH MY PERSONAL CFPB DISPUTE PORTAL THAS HAS BEEN VERIFIED BY THIS REGULATORY AGENCY. ATTAACHE TO THE FIRST PAGE IS A AFFIDAVIT OF IDENTITY SO THER IS NOW NO QUESTION WHERE THE DISPUTE ORIGINATED FROM. THIS DISPUTE IS SPECIFICALLY FACTUALLY BASED AND TRANS UNION HAS NEVEER INVESTIGATION THIS FACTUAL INACCURACY BEFORE AND THERE IS EXHIBITS ATTACHED TO THE DISPUTE SHOWING CLEARLY ALL THE INACCURACIES BEING REPORTED BY TRANS UNION 'S BUSINESS VENDOR PER TRANS UNIONS REQUEST WITH OUT MY EXPRESS WRITTEN CONSENT OR PERMISSION. NOW THIS BUSINESS PARTNER DOCUMENTED THIER FINDINGS THAT THEY CAN NOT VERIFY THE ACCURACY. NOW TRANS UNION MY SAY IT WAS VERIFIED BY THE VENDOR BUT AS YOU WILL SEE THAT WILL BE A LIE BECAUSE THE BUSINESS VENDOR DOCUMENTED THEY WERE NOT ABLE TO VERIFY ITEM I NEED THE CFPB TO SEE THAT THIS RE INVESTIGATION FINALLY TAKES PLACE AS I WAS TOLD BY TRANS UNION PREVIOUSLY THAT WHEN I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT ALONG WITH THE DISPUTE AND I'M DOING JUST THAT
Product: Checking or savings account

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Withheld Income Tax Check on Suspicion of Fraud Dear CFPB Complaint Processing Team, I am writing to file a complaint against Citibank for holding my income check on suspicion of fraud without sufficient grounds. This issue has caused me significant financial distress and has interrupted my access to funds. Despite multiple attempts to resolve the matter directly with the bank, I have been unable to get a clear explanation or satisfactory resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Check Details : o Amount : {$12000.00} o Issuer : United States Treasury o Date of Check : XX/XX/XXXX o Deposit Date : XX/XX/XXXX Description of the Issue : On XX/XX/XXXX, I deposited my income tax check from United States Treasury in the amount of {$12000.00}. However, on XX/XX/XXXX, I was informed by Bank Representative 's, that the bank flagged the check as potentially fraudulent and placed a hold on the funds for XXXX hours. will After waiting XXXX hours, I went to the bank on XX/XX/XXXX and was informed at that time that my bank was being reviewed by their fraud department and that my bank account was closed down. 
Again, I visited the bank on XX/XX/XXXX to speak to a bank manager, and I bought copies of all of my backup that the fraud department requested that shows my tax amendment, copy from XXXX XXXX XXXXXXXX that represented me for getting my tax released from IRS, along with other documentation to verify to them that the check was valid. The XXXX XXXX name was XXXX XXXX informed me that she would send the documents to the fraud department and I should hear from that department via email, however, XXXX XXXX was a holiday. She also informed me that she was going to be on vacation the week of XX/XX/XXXX and will update the bank manager- XXXX XXXX XXXX the process. 
I contacted the bank XX/XX/XXXX for an update and was told from XXXX XXXX to again wait to hear back from the fraud department. 
Attempts to Resolve the Issue : I have contacted Citibank multiple times and have followed all requested steps to provide evidence of the check 's authenticity. I requested that they release the hold or provide documentation supporting their decision, but the issue remains unresolved. 
Requested Resolution : I am requesting assistance from the CFPB to investigate this matter and help secure the release of my funds. This withholding has created undue hardship, as this check represents my income, which I need to meet essential financial obligations. 
Enclosures : 1. Copy of the check in question 2. Copies of my correspondence with Citibank 3. Verification from the check issuer 4. Any other relevant documentation Thank you for your attention to this matter. I trust that with your assistance, Citibank will review the hold and release my funds promptly.
Product: Checking or savings account

I was suppose to get my check XXXX in my bank ( it was a direct deposit ). It is now XXXX and my deposit is still not in my account. They keep telling us its technical difficulties and give us an ETA and it goes by and still no money. They are being rude to customers, hanging up on us once the call goes through. How can a company hold your money for going on 2 days.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES NOT MINE : XXXX XXXX XXXX  Dates : XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE. XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX
Product: Vehicle loan or lease

Subject : Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, XXXX XXXX XXXX has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. 

2. XXXX XXXX XXXX : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. 

Under California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection Act.
Product: Mortgage

Copy from company complaint : " This is a formal complaint, which I will also submit to the CFPB. 

Your phone bot is intentionally designed to infuriate and block your customers, preventing them from reaching a human who can actually solve their problems. There is often no way to say " I need something else '' if a customer has unique needs, so you have to lie to talk to a representative, adding further delays. The bot is an endless, infuriating loop designed specifically to prevent any issues from being recorded, logged, and managed as required by law. '' The company is charging for a payoff quote. An official payoff is a legal requirement to sell the property, and therefore, the customer has no way to opt out or avoid this service. This appears to be an abusive act or practice. When attempting to contact the company by phone, there is no clear way to talk to a human representative and the bot can not solve all problems or deal with unique situations. Live chat connected me with someone who first said " I do not see any fee on the account '', then " we can not waive the late fee, '' indicating a complete lack of understanding regarding my issue. 

I will not stand by and allow them to treat their customers this way. This customer service model is despicable.