23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX - asked Citi to refund an incorrect payment of {$2400.00} XXXX XXXX - followed up for payment, runaround through customer service, getting hung up on, unable to speak to someone directly since then, I've filed a complaint with the XXXX  but it was closed by Citi, cant speak to a representative, they then closed my card ( s ), charged over {$5000.00} to my closed card ( fraudulently ) and won't provide a resolution, now charging interest and late payments, causing my credit score to plummet due to high credit utilization, " non-payment '', delinquent account, threatening to send it to collections.
Product: Credit reporting or other personal consumer reports

Im unable to receive a valid credit score. After telling them to remove derogatory information on my credit report. According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a debt. Including but not limited to credit reporting.
Product: Debt collection

My first name is different than the one Portfolio Recovery is using in a wrongful collection action. Six years ago, on XX/XX/XXXX I sent Portfolio Recovery a letter stating that I had never had an account with XXXX XXXX, that I was not the debtor and ordered them to cease collection efforts.
Now, again, on XX/XX/XXXX Portfolio appears to be attempting to collect a false debt with XXXX XXXX again, and the same wrong name. And on XX/XX/XXXXthey followed up with a letter offering payment options, as if they were offering a layaway plan, instead of collecting from an innocent consumer. This wrongfulXX/XX/XXXXclaim is for {$690.00}. By the way they also make the absurd assertion that if I do n't go out of my own way to contact them within 30 days, then they 'll " assume the debt is valid. '' Why is it my responsibility to contact PRA because their sloppy collection efforts have threatened my credit record? I urge that the CFPB investigate PRA 's failure to comply with the standards of the FDCPA.
I will send them another " No, I am not the consumer you seek, it is n't me, I never had an account with that bank and stop your collection efforts '' letter, but I thought that the CFPB should know. It is unfortunate that consumers have to defend themselves against a company with such very low accuracy and verification standards.
BTW, they also came after me inXX/XX/XXXX for a debt with XXXX, another bank I 've never had an account with. They 'd purchased that alleged debt from another debt buyer, XXXX. Portfolio Recovery is a maddening company to deal with. How many consumers who are wrongly and falsely chased simply end up paying them to get them to go away?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I received several phone calls and emails about my late account, please see letter attached
Product: Mortgage

I tried applying for a loan modification with PHH, but they will not take in any application for a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to XXXX with family. During my travel here i misplaced a few of my personal items. My purse included i lost my sscard, dl, bank cards and more. I have pulled my credit recently and saw alot of information reporting that does not belong to me. i have listed all of the accounts that it would allow in this report, I will include the additional names, addresses and accounts that do not belong to me here below names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX accounts XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file. 
Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up online for TransUnion 's free credit report. TransUnion explicitly stated this service was free. At one point in the application, they asked for my credit card information which I provided. Nowhere in the text provided did it share I will be charged. 

I looked at my bank statement and I now have a {$24.00} monthly subscription charge! I am outraged by this false advertising. Three people I know who also signed up for their credit score are equally shocked. How is it possible that all 4 of us independently are mystified by this subscription charge when we carefully read the text for the form? TransUnion knows exactly what they're doing - taking advantage of consumers and charging hidden fees when it is not stated anywhere. 

I see that TransUnion has already been charged for exactly this deceitful practice! They clearly have not learned their lesson. Link : https : //www.consumerfinance.govXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX please remove fraudulent / unauthorized collection on my report or provide proof in writing within 30 days.
Product: Debt collection

I'm disputing accounts on my credit report due to identity theft and demand immediate resolution. Other bureaus and creditors have confirmed fraud, but your bureau 's reporting harms my credit ; investigate and remove the fraudulent account ( XXXX  XXXX XXXX ) promptly or face legal action. Provide written confirmation of the resolution.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a complaint against Aargon Agency for reporting a collection account on my credit report without providing proper validation of the debt. Despite my request for verification, Aargon Agency has failed to respond as required under the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Issue I discovered a collection account reported by Aargon Agency on my credit report on [ date ]. 
On XXXXXXXX XXXX, I sent a written request to Aargon Agency for debt validation under FDCPA Section 809 ( b ), asking for proof that : The debt is valid.

I am the rightful debtor.

Aargon Agency is authorized to collect the debt.

Aargon Agency has not responded to my request, but the account remains on my credit report, negatively impacting my credit score.

Violations FDCPA Section 809 ( b ) : Debt collectors must validate a debt upon request and suspend collection or reporting activities until validation is provided.

FCRA Section 623 ( a ) : Credit furnishers must ensure the accuracy and verification of reported information.
Product: Debt collection

MCM has not tried to resolve the issue in which I mailed certified US Certified mail and no response. When I call them its always the run around and there going to call back and never call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ordered my free credit report from all 3 agencies in early XXXX, XXXX. The two other credit agencies sent the report promptly, Equifax never provided the credit report
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I sent a letter to XXXX XXXX. on XX/XX/XXXX to cease efforts to me on my default credit card due to my XXXX, telling them that I intended to file for Bankruptcy chapter XXXX. My XXXX is XXXX  XXXX-XXXX, and a XXXX  XXXX  turned to XXXX. I fell into a XXXX  XXXX and have not filed yet. Part of my XXXX XXXX  XXXX  XXXX   was due to having been damaged by a XXXX during a XXXX  XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX  since this in XXXX of XXXX. Unfortunately, I opened the XXXX account when in an XXXX  XXXX  XXXX  XXXX  in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. 
On XX/XX/XXXX a company purchased my debt from XXXX and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX.. The company taking this action is XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 
I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX  condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. 
The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS CONCERNS I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

These accounts and inquiries are not done by me. 
INQURIRY- XXXX XX/XX/2022 ADDRESS- XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX {$200.00} **THESE ACCOUNTS ARE NOT MINES ** XXXX XXXX XXXX XXXX- {$200.00} XXXX Date opened XX/XX/XXXX XXXX XXXX Account type Collection Account- {$200.00} THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX, XXXX GA, my current address nor job XXXX 
My address is XXXX XXXX XXXX XXXX XXXX NC XXXX. 
And my job is XXXX XXXX at XXXX XXXX XXXX. 
Phone Number
Product: Consumer Loan

my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi
Product: Credit reporting or other personal consumer reports

I came across this CFPB website and I believe I was affected by the outcome I have tried many many years to get things that weren't mine deleted off my account I have requested them to send me proof of how they verified these collections and they have not yet provided those information to me therefore my credit has been impacted my life has been turned XXXX down stopping me from living a normal life due to inaccurately on my credit report I'm asking that all of my credit reports off of XXXX XXXX and XXXX the investigated looked at my credit be restored thank you
Product: Checking or savings account

So I purchased a program online a while back like around XXXX. Up to this date am trying to get my money back because it seems to be a scam they give misleading information for you to buy they program and after buying it it turns out to be a scam nothing that they say or promise you can not ge. So thats when I try to get my money back. The company that charges my card seems to dont have a working number and they dont reply to emails and dont have a business address on the website. So I call the bank to dispute it like 3 times. Or more and they still didnt try to return my money. I even went in the bank to file the dispute. So I dont think they never did a dispute or investigation or try to reach out to the company because they dont have an address or working number. The company that take my money is section XXXX pros the website is XXXX
Product: Vehicle loan or lease

I had a rough start, I was in the middle of a financial hard ship and chose to pay rent over my car. But I was working hard and catching up on my payments as fast as I could. Ive attached a copy of my payment history ( westlake financial sent me ). Ive been treated very wrongly and accused of not paying my bills on time yes they were half right but unfortunately I was going through a hardship in transition with Getting a new job, a better job to able to pay my car note. 

Every customer service representative has told me my first payment was suppose to be on XXXX. XXXX ( I called to switch the date to the XXXX Of each month because it was easier w/payday ) If you look at the account, my first payment was in XXXX. I dont understand how no one can see that this payment is reflecting on my payment history. YES! I was behind two months but in the month of XXXX I paid {$1000.00} to get my account in good standing ( no late charges ) Considered that I was still 30 days behind ( XXXX payment still reflecting on my account ) I received an extension to move the payment back. With that extension {$220.00} was still owed which was paid with a little extra ( {$350.00} ) my account was in the green. Therere 3+ payments that were made but not accounted, I have dates and confirmation numbers from the bank and from 3rd party payment options. 

this was greatest accomplishment the next step was to go back to school but with that vehicle at the time I was XXXX just barely getting to work. Youll see in my payment history I was late at first but I managed to work hard and come up with the money to still find out the vehicle was repossessed and that XXXX payment was still reflecting on my account showing I was 30 days behind when I wasnt. I will be going to the media with this information to tell them and explain to them how your customer service reps dont know how to talk to anybody or wont even take two minutes to look at the account and realize that someone messed up. Take accountability for this little messed up and fix it I was stressed overworked always worrying if my car was going to get repo Road when in reality I was in great standing and the only payment that was due was XX/XX/XXXX for {$400.00} ( look at the payment history attached ) the vehicle was repossessed on XX/XX/XXXX. I tried to call and tell them I get paid the XXXX and it would be for the full amount of {$400.00} it was to late the vehicle was gone and set to be sold ( XXXX ) the vehicle wasnt sold until XX/XX/XXXX. My vehicle should never have been repossessed I provided all documentation proving the money was sent and I was caught up on payments Until XX/XX/XXXX payment. there was no late fees attached to any monthly payment dues the remaining balance wouldve been taken care of on XX/XX/XXXX when I got paid.
Product: Debt collection

I received a letter from Heartland Resolution Group on XX/XX/XXXX intending to collect a debt that was already charged of as the original date of service was XX/XX/XXXX. I then started to receive calls from XXXX that lead to them. I called back and spoke to XXXX and I told her that I would be filling a complaint. I specifically asked not to contact me any longer. I just had to block the number as they called again after asking them not to do it. It seems like they're buying old charged off accounts that surpass the seven year mark and trying to submit it as new. The information on this letter is the account number they assigned of XXXX with an original account of XXXX. The original creditor is TX XXXX XXXX and date of service was XX/XX/XXXX. The letter stated that they purchased the account from XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I spoke with Nelnet and advised them that my loan keeps going up even though I was making payments each month on time. They told me that I would need to go into a higher repayment plan ( standard repayment instead of graduated repayment ) in order to have my payments go towards my principle. I am making payments now and am having the same issue. My payment amount is {$280.00} per month and I am paying {$300.00} and my payments are still not being applied to principal. I do not see how this is ethical. All of my other loans that I pay, I pay the same way, however, I am actually lowering my balance.
Product: Checking or savings account

XX/XX/29 I opened a dispute claim for several charges on my account that we're not mind their policy is 90 days and if they do not hear from the consumer and 90 days that the money automatically gets refunded back to me they have not heard from the consumer it's been well over 90 days and they're still not giving me an answer their solution was to escalate they said the turn time is three business days it's way past the three business days they filed another escalation I've waited another three business days every time I call it's the same story over and over again they are not getting me my money back they are not giving me answers they're not giving me anybody I can talk to I also open another dispute for airline tickets that I paid for that I never received they denied the claim and gave me no explanation as to why it was denied I am owed almost {$6000.00} here I am sick and tired of the games they don't even speak English it's another country that I'm calling and they have no solutions for me no explanations other than they are sorry they will escalate I keep getting told the same thing over and overnight
Product: Bank account or service

To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my freelancing work. These physical checks are delivered to my US address, XXXX XXXX XXXX, XXXX XXXX, California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my US bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over one thousand dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Chase Bank will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the XXXX and thus is not allowed to do international notarization. At the same time, the US Consulate provides notarization services but traveling to and from the US Consulate and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX, I would like to inquire if the bank with allow a signed power of attorney with XXXX witness signatures, in accord with Section 4122. Please promptly advise and I will have a Power Of Attorney signed with XXXX signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX XXXX XXXX XXXX or contact me directly at XXXXXXXXXXXX Sincerely Yours , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX