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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX
Product: Credit card

I stopped making payments to XXXX in XX/XX/year> due to being unable to afford making payments and continued to not pay at the recommendation of a XXXX  party settlement agency ( XXXX XXXX ). I worked with this agency and XXXX in order to pay off a settled amount. 

I have paid this settled amount in full, but it is not being appropriately reflected in my credit report that it's been settled ; this is affecting my military processing procedure as it looks as if I've never paid off and resolved this, which will affect my security clearance process.
Product: Credit reporting

I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.
Product: Credit card or prepaid card

Grievance against Elan Financial Services and my Secured Credit Card closing mechanism fails to provide logical justification in holding my actual cash value for two months. I have legitimately paid off my XXXX. with Elan FS via XXXX XXXX XXXX. Therefore Elan FS has no logical justification to suggest nor to insinuate that a need to withhold my account money would protect Elan FS against a chargeback because the checking account belongs to me and I have proven it to you via this grievance. [ See screenshot-a. ] Furthermore, the XX/XX/2022 transactional records which are posted to my XXXX indeed show that it compromises all direct from retail merchants. Therefore Elan FS has no logical justification to be expecting transactional amounts to change. [ See screenshot-b. ] Furthermore, the account holder has only just incurred a single fee during the year of 2022 which was recorded on XX/XX/2022, 130 days ago, and there aren't any foreseeable fees. [ See screenshot-c. ] Please take note, the account holder has not made any international transactions, nor made any cash advances either. Lastly, the webpage hosted by Elan FS where the terms and conditions are located but before account approval, is apparently obsolete because upon viewing it and considering the fact there is a signature line which must be filled out in handwriting, I did not at all agree to it, Elan FS did not contact me to sign it, and Elan FS did not provide me competent contract terms. [ See N.J.S.A. 56:8-2 and see Rent A Center, Inc. v. Antonio Jackson , 561 U.S. 63 . / ( A determination that a contract is unconscionable may in fact be a determination that one party did not intend to agree to the terms of the contract. )
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely action to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received {$200.00} from a family member, I then try to transfer my funds to a card attached to my account And I got a message saying to try again later. Then get a message saying that I had limitations on my account into upload a picture of my ID and A picture of the card on file I Uploaded my picture ID and the card on file was a virtual card therefore I took a picture of the virtual card and Uploaded that period. Next thing you know I got a message from PayPal saying that my account was closed in they can no longer do business with me And told me I had to wait a 180 days to receive a email in discussing how to go about receiving my funds. Prior to this day I've had A couple other transactions and everything went through fine So I am confused as to why PayPal Close my account and expects me to wait a 180 days for my money.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The amount of XXXX was paid. That amount was transferred to another collection agency. Wakefield said I still owed them. the agency that got the debt was XXXX XXXX XXXX. I paid XXXX XXXX for the outstanding debt. XXXX XXXX XXXX said they were not supposed to take the payment from me. I will pay XXXX for any debt owed to them directly. I want Wakefield to take that amount of XXXX off my credit. I did not owe Wakefield and it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had EIGHT late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXXand I do not have a contract with NWIDE RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$2300.00} I demand this account to be deleted on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Experian credit bureau are reporting this collection account on my credit report. I have no knowledge of this account I've never signed an agreement with this company I've never done business with this company I didn't authorize this company to obtain or have any of my personal private information.
Product: Checking or savings account

On XX/XX/XXXX, I was charged {$420.00} by XXXX. In the past, I had subscribed for a XXXX month trial membership, but did not receive the product I expected, so I cancelled the subscription and received an email confirmed I would no longer be charged for it. Later, I got a charge for {$420.00}, and I asked the company, who then sent me a blank invoice. It had no reason, no description, no product or service attached, just an absolutely blank invoice saying I was charged the amount. I reported this to Chase and sent screenshots of the invoices for both my trial and this random, blank, fake invoice. They determined that it was a legitimate charge. To clarify, we still do not know what this is for because the invoice is BLANK, but Chase is saying I need to pay the random fake {$420.00} even though I did not authorize the charge. I have been a long time chase customer and provided all the invoices, emails, etc, and chase has not properly represented me at all. I did not authorize the transaction that Chase is forcing me to pay.
Product: Mortgage

I contacted my mortgage company in XXXX to seek assistance in avoiding going into default on my mortgage payments, or worst case losing my home. I purchased my home in XXXX and lived there until I XXXX. I was able to rent my home the entire time I was away and once I returned the renters decided to XXXX to a different state. From XXXX of XXXX until XXXX of XXXX I was not able to rent/sale the home. I had applied for a Hardship loan modification and was denied, then I tried to short sale and was denied, and finally after applying for a Deed -in- Lieu, I was again denied. The home was finally rented in XXXX of XXXX, but the mortgage company moved to foreclose on my home. I had to hire a third party home assistance company to assist in saving my home from foreclosure. The night prior to my home being sold ( with renters living inside ), the third party I had hired stopped the mortgage company from foreclosing on my home, due to my XXXX XXXX status. I was then notified by the third party company I had hired that a loan modification had been approved and that my new loan payments would begin XXXX XXXX XXXX. I had not received any documentation or correspondence confirming this approval, so I contacted the mortgage company to confirm the approval and to confirm payment. I was not able to reach my case manager for this company and I was told by another loan officer that the loan modification had in fact been denied, due to no response on my part. I contacted the third party company with this news as well as my attorney and it was discovered that the mortgage company had NOT sent out the proper documentation for the loan modification and no contact had been attempted to reach me or the third party company that I had hired. The mortgage company, after being confronted with all of this recognized the failure on their part but still has not taken my home out of default or sent confirmation of the loan modification approval. I have contacted my VA loan representative in this case and to date, the mortgage company has not sent in any updates or record of my XXXX payment which was received XXXX XXXX XXXX. I still do not know that confirmed status of my case.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of XXXX XXXX joint account of around {$18000.00} that was opened under my name and social security number by my father. This loan was created without my consent, and I did not agree to co-sign or have any involvement with this. This account was opened in XXXX and I found out about it in XXXX of XXXX. After all these years I was unaware of any missed payments, and as a result, the loans impact on my credit report is unfair and inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion because they have incorrect information on my credit report. Since filing that dispute every time I go to o website to file another dispute about a different acct that is also wrong it will not let me file dispute. It keeps saying I have an open dispute that I need to finish. But right below that is a notification that says they are mailing my results of the first dispute. I have called and asked 4 times to please update acct. So I may file my dispute. Nothing has changed. And I can not even see this open dispute that are talking about it just says loading but never displays anything.
Product: Debt collection

[ Radius Global Solutions LLC ] [ XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX XXXX, NJ, XXXX ] Subject : Debt Validation Request Notice of Legal Compliance Required Account Number : [ Your Account Number ] To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt referenced above, which you have reported on my credit file.

1. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt.

Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold.

Verification that you are legally authorized to collect this alleged debt.

Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance.

2. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k.

3. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency.

This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within 30 days or remove this debt from my credit report.
Product: Debt collection

False information on credit report with XXXX. They did n't remove it but the debt is not mine, never has been. No contact has ever been made by by the company -- -scam. Midwest recovery systems needs to remove this.
Product: Student loan

The problem is I am paying more in interest and principal then I am paying in the actually loan itself thats the problem I have been scammed by the school now by the XXXX XXXX XXXX, the School has been shut down for illegal practices now the forgiveness program doesnt cover me because they didnt have a four year program for me so I couldnt continue to keep attending the school so I have credits thats non transferable to attend a major university. I been on this loan for about 2 til 3 years now the Original loan was for XXXX and now its XXXX..
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : -- -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been trying to complete a mortgage work out with PHH mortgage after a forbearance period. Initially, I did not intend to start the forbearance but was investigating on their website and answering questions when the site told me I qualified and the forbearance had started when this is not what I intended. At the end of the forbearance period, I started payments again and began the process of adding the forbearance payments to the end of the load. Through this process, PHH has been stalling and delaying the process by asking for the same documents over and over until they just cancel the whole application and make me start over again. I'm not sure why they are doing this but I smell some kind of scam and it makes me nervous. So far there has been no negative financial impact for me but this either denotes extreme incompetence on the part of PHH mortgage or an attempt to defraud the government by artificially delaying the rework of this loan. I've been calling daily to be sure they have all the information they need since XX/XX/XXXX. Today the message at XXXX says Due to impacts of Covid-19 we can not connect you with a customer service representative and hangs up. 

Now there is nothing I can do.
Product: Payday loan, title loan, or personal loan

During the pandemic ( Covid-19 ), the company was contacted voluntarily regarding my account, to advise of my inability to make consistent payments due to a financial hardship. I requested a payment deferment and/or forbearance. I thought that was granted but I was essentially harassed from that point forward. I received repeated calls daily asking what my current situation was, after I explained the situation the day before and the day before that. In conclusion, the payment option requested and granted, was not processed. Oportun is using bully tactics even after being informed of the inability to pay. I now have to attend court to prevent wage garnishment. So unfair when I requested assistance, I was bullied ( repeated calls daily ) and now being taken to court!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, XXXX & Equifax are still reporting the fraudulent accounts.
Product: Checking or savings account

I am filing this complaint against Navy Federal Credit Union regarding multiple overdraft fees that were charged to my account. These fees resulted from delays in the posting of charges and credits, which caused transactions to be processed despite sufficient funds being available at the time. 

This issue appears to align with recent findings by the CFPB regarding similar practices by NFCU, where transactions were settled with insufficient balances due to posting delays. I believe these actions are unfair, and I respectfully request a thorough investigation of my account to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit card

I opened an account on XX/XX/XXXX at Ulta Beauty, through Comenity Bank. I paid the initial invoice in full ( {$120.00} ) on XX/XX/2024. My check cleared 2 days after due date of XX/XX/XXXX. I was not aware of first monthly charge for late fee ( $ XXXX ). Spoke with Customer Service on XX/XX/2024 after receiving invoice for {$63.00}. I understood the fee was reduced to {$36.00}. {$36.00} deducted from my checking account on XX/XX/2024. An XXXX invoice included previous balance of {$63.00}, - {$36.00} pmt ; - {$15.00}. " credit '' ; PLUS {$57.00} " FEE CHARGED ''. suddenly I owed MORE than prior to verbal interaction. I was out of town. The XXXX invoice now {$110.00}. The most recent phone contact was on XX/XX/2024 to " Customer Service '' and " Customer Service Supervisor ''. I closed the account on this date. I was instructed to write to " Billing Disputes '', Comentiy Capital BAnk, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX i received 2 texts ( did not respond ) and a phone call from Comenity Bank ( note 'being recorded ' ) when i qas asked for a payment. I said I was disputing the charges, the individual specifically stated " refusal to pay ''. A detailed letter outlining dispute was mailed " USPS Certified Mail Reciept '' on XX/XX/XXXX to the above noted address, as was a CC copy to XXXX XXXX, CEO Ulta Beauty, XXXX XXXX XXXX XXXX, XXXX, Il. XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with One main Financial during the time-frame listed in their most recent lawsuit. I was urged to purchase additional add on products that were then added to the cost of loan. I recently found out they have been found guilty for the same actions that they ascribed to me. I had several loans at the time with similar issues on all of them
Product: Debt collection

On XX/XX/XXXX I was served with a legal complaint, electronically filed by Bleeker, Brodey & Andrews, on behalf of XXXX XXXX XXXX, to recover an alleged debt which I believed to have been paid. I began receiving " service '' of purported court filings from Bleeker, Brodey & Andrews as early as XX/XX/XXXX, and possibly earlier. The documents were styled as court filings, titled, " Plaintiff 's Notice of Electronic Service, '' and electronically signed by the same attorneys who electronically filed the complaint I was served with on XX/XX/XXXX. In fact, I received one of these exact notices as an attachment to said complaint. 
Upon receiving the first Notice in XXXX of XXXX, and the second in XX/XX/XXXX, I used the online public search function through XXXX XXXX XXXX XXXX to search for the legal action taken against me by XXXX. I was unable to find any such action either time, which I now know is because no such legal action had been taken. This, coupled with the fact that I believed this debt was paid, led me to believe the notices must be a scam. What was the purpose of mailing fake legal filings to me, if not to mislead? Both the creditor and its counsel are obviously predatory debt collectors. 
I have included a copy of the Notice received with the complaint so that you can see what it looks like. Again, this is the exact same notice I began receiving in at least XX/XX/XXXX. It's obviously intended to make the recipient believe that legal action has already been filed against them.
Product: Credit reporting or other personal consumer reports

The account was opened on XX/XX/year> and states that the balance is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX purchased my loan but didn't attach VA exempt form to the loan causing my loan to be reported one month behind on my credit report decrease my score.