23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23, One Main withdrew an amount of {$260.00} from my account using XXXX XXXX three days after XX/XX/23, where they confirmed online that the entire loan was paid off. Thus the XXXX XXXX should not have been initiated on their end. 

The online account states that the electronic payment taken from my account was reversed but I havent ever received the money back. It is now almost a month since they took the money, and far past XX/XX/23, the date for which 15 business days had passed since they wrongfully took the money but their claim was that I would receive it by then. 

I did not receive the money by XX/XX/23. Indeed, on XX/XX/23 and on XX/XX/23, I called the branch where I signed the loan documents and discussed the matter both times with a spokesperson named XXXX, who both times was dismissive and unhelpful when I stated that I would like a check and not an electronic payment. The first time he confirmed that {$260.00} had been taken out of my account but claimed that One Main couldnt stop the electronic payment despite my voicing doubts the process would go smoothly and directly asking for a manual check then and there. 

The second time I called, XXXX still refused to write me a manual check for the correct amount of {$260.00} or get his manager on the phone after XXXX told me that One Main would only send me an overage check of {$26.00} and I shared my disbelief because the amount was so low. Indeed, the 2nd time I called, XXXX outright denied that One Main took {$260.00} from my account because he couldnt find the proof on his side. 

When I said I could call the CFPB but truly preferred to resolve the matter then and there, XXXX claimed that he wasnt actually qualified to help me, which left me wondering why he had tried to handle my complaint in the first place, both times I called. 

Finally, XXXX asked for my number to leave it with a manager who stepped out for lunch but the manager never called back to verify that the payment reversal had indeed been halted electronically nor did One Main ever call to verify that they could write me a manual check for {$260.00}.
Product: Debt collection

I noticed this discrepancy on my credit report, however, I do not know where this debt is from.
Product: Debt collection

I believe that Monterey Collection is attempting to collect on this debt is based on identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a third-party debt collector such as Monterey Collection must have permissible purpose to access my personal information, including my Social Security Number ( SSN ) and credit report.

I have never authorized Monterey Collection, nor any third party, to access my credit file or use my SSN to collect any debt, especially if it pertains to a debt that I do not owe. The act of accessing my personal information without my written consent or permissible purpose is unlawful, and constitutes identity theft under 18 U.S.C. 1028A, which is a felony offense.
Product: Mortgage

Mortgage with GMAC XX/XX/XXXX maturity date XX/XX/XXXXXXXXXXXX @ month, never refinanced or modified. Sold to ocwen XX/XX/XXXX and ocwen nchanged the maturity date to XXXX, also was showing XXXX different bals on the statements, pretaning to principal and interest, requested the original note three times and received other material.breaking the law? I have all documents.they said it was a mistake, but never corrected it. Had to withdraw savings, and pay it off.never received the original
Product: Student loan

Nelnet has a auto-payment option that is not favorable to borrowers repaying loans. This auto-payment option, if you have prepaid your loans or if you are paying more than the minimum, distributes your payments to favor paying off lower interest loans instead of higher interest loans that will ultimately cost the borrowers more money in interest. I have aske d NelNet 's customer support multiple times to favor paying off the high interest loan when I have overpaid and when I have prepaid. However, NelNet has never honored my requests. NelNet has instead continued to distribute my auto-payments to favor my lower interest loans, thus forcing me to pay more in interest on my higher interest loans. Anyone with basic math skills could tell you that paying off your higher interest loans first is better for the borrower, so it is really confusing to me why NelNet  continues to favor paying off lower interest loans.
Product: Payday loan, title loan, personal loan, or advance loan

I was charged a subscription fee after I canceled the subscription
Product: Credit reporting

Every time I try to dispute inaccurate information on my credit report, Experian locks me out of my online access to my report files as well as the online document upload. I am a victim of identity theft and Experian is intentionally making this dispute process difficult for me.
Product: Checking or savings account

-I opened a new business account with Bank of America on XX/XX/2024. ( Business name and account name- XXXX XXXX, XXXX ) -I flew from XXXX XXXX to XXXX XXXX on XX/XX/2024. 
-While I was out of town the bank sent me a debit card. ( We have a lockbox, so there is no way for mail to get stolen once delivered. ) -I returned from my trip on XX/XX/2024. 
-When I returned there was a debit from my account for {$110.00} from XXXX XXXX- XXXX XXXX. 
-I promptly called my bank to contest the charge, because it was charged from my account while I was out of town. 
-The bank opened a fraud investigation and gave me a provisional credit. ( Claim # XXXX ) -They told me last Friday that my case was denied because a debit card was used at the gas station and the card had a chip, so my card was physically used. 
-I went to the bank last Friday and they faxed my proof of me being out of town back to the fraud department. The fraud department has done nothing and the bank essentially stole {$110.00} from my account. 

FACTS : 1. I never received a debit card.

2. I never activated a debit card. ( When I asked the bank why they would activate a card without a pin or from my phone number, they could not respond. ) 3. I was out of town when the transaction took place. ( I can send hotel reservations and flight reservations if needed. )
Product: Debt collection

On XX/XX/2021 Ive contacted Complete Credit Solution pertaining a fraudulent account on my Credit report for the amount of {$1000.00}. The company said they have responded to me via mail however I havent received anything. Also they have verified the wrong social security number on the phone. All calls for their company is being record please request a play back. To Verify my conversation.
Product: Credit card

I was booking a flight on the XXXX site and received a promo offer for the XXXX XXXX XXXX card that included XXXX miles and {$500.00} statement credit. 

I have a screen shot of the statement credit I never received the credit and after XXXX attempts to resolve, AmEx indicated the offer did not include the {$500.00} statement credit. I offered to provide my evidence and they declined to receive it and indicated there was nothing they can do.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX is paid in full. Still shows on all credit services. XXXX said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. XXXX states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit
Product: Consumer Loan

My account with Chase XXXX has been closed for 6 years. I would like it dropped of my credit report.
Product: Payday loan, title loan, or personal loan

I've received several phone calls from a lady whom identified herself as XXXX XXXX. She said that she is a courier for someone that is serving me with court papers. She wouldn't tell who the people were that was trying to serve the papers. She gave me a phone number to call XXXX and a case # XXXX, to get more information. When I called the number the first time ... it said the number is not available. I called the next day and a lady answered. She told me that she was collecting for a loan from Quik Cash from 2014. She said that there was a loan for {$300.00} and if i set up payment today. She will check with the attorney to see if they have already filed a court order and if not they will stop it. She put me in hold, came back and said ... .they have not filed, so if you want to pay only the original balance..you will need to set payments on a credit or debit card today and if not, you will have to pay over {$1900.00} total. I asked if I could be sent some paperwork in writing to let me know more information about this debt. She said they don't have anything to send. I can only get a letter from them after payments are made to satisfy the debt. I had payday loans in the past, several years ago. I recall paying my loans off. If this is truly my debt, I should be able to request this information in writing, so I can confirm if this is something that I owe or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK USA / TARGET XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX https : //www.target.com/redcard/about I am just asking for the Date of First Delinquency on my Td Bank Target Card . 

What is the date / year I become 30 days late and never did catch back up. You are not provided this information to me, nor are you providing this information on credit reports.
Product: Credit card

See the attached documents. I am urging the bureau to commence an investigation into these accounts, as I am never late but they are reported as such.
Product: Debt collection

My wife recieved our mail for the day on XX/XX/XXXX and found a letter from Recovery Partners , LLC. stating we owed {$14000.00} for providing invalid insurance information or simply didn't resolve this debt with a XXXX XXXX XXXX XXXX which I have never dealt with or heard of until I received this letter. This is about an accident I was involved in on XX/XX/XXXX. However, I contacted my insurance company about this and they have no idea why I would have received this letter. The claim is still open as the other party 's insurance company hasn't contacted mine and are still in the process of closing the claim out fully. How can I not have provided valid information for insurance when my insurance is still handling the claim as im writing this complaint? This seems a flat out scam or immoral business practice in order to scare people into blindly paying off debt which they may not even actually owe. Once again my insurance company has not informed me of any issues with the claim or the possibility that I would have to pay a cent out of my own pocket.
Product: Mortgage

Carrington Mortgage Services Call on XX/XX/XXXX to report error of curtailment. Told 3-5 business days Call on XX/XX/XXXX to determine why curtailment was NOT fixed. Told it was actually 15 business days and that XX/XX/XXXX, it would be fixed Call on XX/XX/XXXX, to determine why it was still not fixed. Was told the VP had not approved it yet. I asked to speak to a manager. Was left on hold for over 30 minutes with no answer. 

Date account was in forbearance : XX/XX/XXXX Normal Monthly payment during the forbearance : {$1100.00} Total amount due at end of forbearance : {$13000.00} Total amount paid : {$13000.00} Amount overpaid : ( {$21.00} ) XX/XX/XXXX Curtailment {$1000.00} applied by Carrington Mortgage in Error XX/XX/XXXX Payment of {$76.00} ( amount told needed to bring the account current ) Amount not properly applied : {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

I received my statement for XX/XX/2021 showing that I had not made any payment in XXXX of XXXX. The bank is demanding that I pay double payments to make up for the missing payment, as well as penalties. The payment was made on XX/XX/2021, which is the same day that their statement was sent to me. The payment is not actually due until the XXXX of the month, so the bank is saying that I made the payment too early, and therefore they credited it to my principal, but would not count it as a payment, even though my online statement shows " Payment Received on XX/XX/2021. I called their customer service, and was told that since I made the payment early, that I had to pay it again, because they will not count the payment I made. I also had {$1000.00} sent to that account from the XXXXXXXX that I used the card for, since my service did not cost as much as expected. This payment was made almost XXXX weeks before my XXXX due date of the XXXX. Again, they are refusing to allow me to use any portion of this as a payment, and are sending me e-mail, text, and phone messages daily demanding XXXX months payments, plus penalties. I have always made my payments on time to these people, but apparently they believe they have the right to charge me any amount they wish at any time.
Product: Debt collection

The company failed to validate the debt, which is a violation and in return deleted it from my XXXX tradeline but then in return added it to my XXXX without properly validated the debt, in which a written notification of debt validation was submitted on X/X/2018.
Product: Debt collection

# XXXX  I signed up with the intended purpose of a prior account to be forgiven because I was misquoted a price. Sunrise credit and XXXX account are the same account associated with my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My concern is that my name was intentionally altered and not by me in government broadband internet and help. A representative from sunrise credit put words in my mouth telling me people scam all the time ; not me in regards to this account with XXXX  a third time now.
Product: Mortgage

We wrote a check to our mortgage lender, Bank of the West ( BotW ) on XX/XX/2020, but they took the wrong amount out of the check. The check was written for {$2000.00} ( I saw the canceled check on my mobile banking so I know it was written correctly ) but they only read it as {$200.00}. I fixed the problem with my bank where I wrote the check from, XXXX XXXX XXXX XXXX XXXX XXXX, and they took the additional {$1800.00} out of my account on XX/XX/2020, but it never made it to Bank of the West. BotW called me on XX/XX/2020 to say my mortgage was late. XXXX  said that BotW had to request the money as it was sitting at XXXX XXXX and they gave me a resolution letter number to give to BotW. I called BotW and I told them that I had paid the full amount and that they had to request the money but they would not help me. On the phone they told me to email which I did two days ago but have not heard anything back. I am lucky that I just went ahead and paid the amount again which I can afford to do but they charged me a late fee ( ~ {$35.00} ) and my {$1800.00} is still out in banking limbo somewhere.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXXXXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXXXXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS XXXX**** Balance Owed : {$8000.00} XXXX  XXXX**** Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled up my report and noticed there hard inquires that I never authorized. I been receiving phone calls from different banks and I realized something going wrong. 
I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
Please note, I'm not using any third party for this matter. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires, that I have never authorized : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX I never authorized these inquires, they are result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any doc uments authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.