23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep getting harassing phone calls from M R S BPO llc collection agency once they have informed me of a debt which they have never verified they continue to call and harass me for this debt with no verification what so ever they are also breaking the law by harassing me and constantly calling me once you have advised have no need to call me continuously over and over day after day they have not allowed me any time to verify this debt to make this a verifiable debt this has not stopped them from calling me it is harassment once a person tells you to stop calling by law you are to cease immediately and this company has refused to stop calling me and they are breaking the fair credit reporting act credit laws its a violation that needs to be reviewed this company needs to be fined I am telling them for the last time to stop calling me they are constantly calling me breaking the law
Product: Debt collection

I have recently been informed that there is negative information reported by Navy Federal Credit Union in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$3200.00} and {$4900.00}. NFCU has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 
Please note as that sent XXXX letters to XXXX XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is National Credit Adjusters ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is XXXX XXXX Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXXXXXX - XXXX - {$85.00} XXXX XXXX XX/XX/2024 Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Credit card

While flying on a XXXX XXXX ( now XXXX XXXX ) flight, I was offered a Citi credit card with several benefits including Group XXXX boarding and XXXX bonus miles. I applied and received the card but did not get the Group XXXX boarding I was promised. I tried to call XXXX XXXX but was put XXXX hold for a full hour before I gave up. I 'm writing to the CFPB because this is a Citi Credit Card - Citi gets the any interest and fee income from the card. I believe Citi ultimately is responsible for this false advertising and deceptive practices.
Product: Debt collection

This debt has reappeared on my credit report after being discharged in bankruptcy. This debt collector is not authorized to collect debt in the state of Ohio
Product: Debt collection

Ive received calls in the early morning especially on weekends. I also receive calls after XXXX XXXX. 

Calls average out to 10 times a day. 

I dont know they call, they refuse to leave messages. 

When I do call back its a machine.
Product: Mortgage

See attached letters, after describing the above it went blank. Dates amounts companies are documented on files attached
Product: Credit reporting

Dear XXXX, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
In the month of XX/XX/XXXX, it was reported that I was 60 days late on my XXXX account. This was reported to all 3 credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page 2 ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called XXXX and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : XXXX XXXX ... 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLLOWING INQUIRIES WERE NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT. THE INQUIRIES ARE IN VIOLATION OF 15 U.S.C.1681 XXXX  XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electonic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

I am trying to purchase a home in XXXX MN. The lender approved us for a loan. We have done all of the standard things to get ready to close including scheduling XXXX closing dates that have been cancelled because the mortgage company will not give us a clear to close. When we get real close to the closing date the lender needs more unneccesary paperwork, ie: another paytub or another printout of account details from a stock. The sellers (and us the buyers) are becoming anxious about the transaction and I fear they will move on to the next offer even though we have done all we can from a buyers perspective.
Product: Mortgage

I have a mortgage loan with citimortgage and I succesfully negotiated a loan modification with them back on XX/XX/2017. Prior to the negotiation I started making payments of {$650.00} on XX/XX/17 and always made my mortgage payment ontime to the account number they told me to. 
However after Citibank processed the loan modification paperwork, they changed account numbers and my payments were not being processed. I received a refund for my mortgage payment 30 days later but I never got the new account number to send the payment to. Without knowing why they returned my payment, I went ahead and send them the payment again and it was returned again. I finally heard from them and they instructed me to start sending payments to a new account number. During that process Citimortgage received my payments but because of their system changes, I was showing late one month on the new account. I ended up sending them the additional payment they requested but my account showed late in all credit reports.
Product: Credit reporting or other personal consumer reports

My account information with Equifax was breached and I have filed a claim for the Equifax Data Breach Settlement. I have attached proof that my Equifax credit reporting account has been impacted by this breach ( as per Equifax 's confirmation in referencing me an engagement number XXXX ). Equifax has refused to delete this breached account : XXXX XXXX XXXX XXXX XXXXXXXX which is currently still reporting on my credit report.
Product: Credit card

Synchrony Bank Amazon credit card lowered my limit without notice from $ XXXX to {$100.00}. I had just paid it off in full besides a last huge interest payment that they tacked on after I paid the card off. Because they did this, I closed the account. The reasoning they gave was arbitrary, stating they had the right to reassess credit limits based on their discretion. I rarely had a late payment, never missed a payment, and had just paid it off in full. They will cause me to take a drastic hit to my credit because of this. That is why I canceled the card. I might as well take that credit hit now so that I can recover later! They let me know about this decision today XX/XX/year> and I quickly cancelled the card today XX/XX/year>. The letter is dated XX/XX/year>.
Product: Checking or savings account

I had an account at Chase Bank that I used to transfer money to buy cryptocurrency it was purely a checking account that generally had {$200.00} to {$500.00} in it give or take. After periodically adding money and withdrawing money to transfer to by cryptocurrency I noticed I was being charged monthly for having less than {$500.00} in my account at the beginning and end of the month. I don't remember exactly how much the charge was but I was not spending money with a debit card or credit card attached this account I was purely transferring money to and from it. When I went to close the account knowing that I had at least {$100.00} in there I was told that I had a negative balance of over {$35.00} but they would be glad to wipe that to a XXXX for me. It makes no sense to me why banks are allowed to charge for simply not having {$500.00} in your account. I'm not talking about having {$500.00} in your account while you're trying to process a transaction or transfer I'm simply talking about not having {$500.00} in your account throughout the month and they charge you for that.
Product: Payday loan, title loan, personal loan, or advance loan

I was in the process of purchasing a new car and I realized that I have damages on my credit report from this company. In accordance with the fair credit reporting at this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy ( 15USC 1681 ( section 604a section2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a loan account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly my Date of Birth. Equifax has the birthdate completely wrong it should be reporting as XXXX and XXXX  just has the year listed. My correct date of birth needs to be updated. My most recent credit report also shows the following accounts as not in dispute, when in fact these accounts are in dispute. Medical collection/chargeoff account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These line items are in fact in dispute and this language needs to be reflected on my credit report. In addition, these accounts do not belong to me. No original creditor has been listed and I do not even recognize who these collection accounts are for. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and the companies responded and some got deleted but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/ and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

my credit report indicates this account was open on or around  XXXX   XXXX  ,2011 at an  address I never resided at. I 've disputed this account with the  XXXX  credit bureaus on several occasions as a fraudulent account. They 're stating the response from this compan y (   XXXX   ) i s verified as mine. How are they verifiying this account? I do n't have or nor have I been sent any thing verifying this fraudulent debt as mine. I do believe my ex husband 's girlfriend may have gotten this account
Product: Debt collection

National Recovery Agency, amount of {$200.00}. I have disputed this account with National Recovery Agency by sending them a debt validation and disputed it with XXXX credit reporting agency as I have no knowledge of this account. National Recovery has not responded to my debt validation and continue reporting this account with XXXX credit reporting agency. Once again I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not comply with 1

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It has now been 81days and I have not received the description of procedure, which they are civilly liable for willful noncompliance. See attached.
Product: Vehicle loan or lease

Mechanics Bank has engaged in unfair and misleading financial practices, including improper credit reporting and wrongful repossession. These actions have negatively impacted my credit, financial stability, and ability to work and manage daily responsibilities. I am also filing a complaint with the State Attorney General and the Federal Trade Commission.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2018 at XXXX XXXX XXXX XXXX and financed the purchase with Syncrony Bank. The amount being disputed is {$4000.00}. However the store was unable to get the furniture available for me to pick up. After waiting longer than a month I requested a cancelation because I was getting monthly statements even thought I did not have any item on hand and had already made 2 payments. I thought they were going to charge the account until the items were ready for pick up. Either way, the store manager informed that he had processed a refund on XX/XX/XXXX but I still have the charge on my account. I called syncrony to open a claim and they told me I had to resolve with the store first and refuse to open a claim. I went to the store and the manager said there was nothing else for the store to do because a refund had been processed. The last time I called and requested to speak withe the manager they told me they had nothing else to do, that my case was closed. 

I called again Syncrony bank and they started a dispute. However I have not received a letter from them.It is been 1 month and 1 week that I opened the dispute the it has not been resolved. I asked for a proof that they are working on the case and they have no proof at all. Usually when I open a dispute I get a letter with the case or summary of the issue but I have not received anything. 

I have proof that I did not received any merchandise because the store manager wrote me a receipt saying I did not received the items but Syncrony is just not working on the case to get it resolved. My credit score has gone down because of this high balance. 

Someone needs to get involved in this so Syncrony can change their system on how they work on claims. It is not possible that a customer gets scammed this easily and they don't do anything. 

I have requested twice to speak with a supervisor from Syncrony and they keep getting my phone number to call me back. I have yet to receive a call. 

This is the info shown on my card Syncrony Financial XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to send requested documents, such as a statement stating that they was aware of the car location. Once the statement is enclosed with the fraud affidavit I will sign it. Your company was aware that the XXXX XXXX Police Department found the car and it was available for pick up by XXXX XXXX immediately. XXXX XXXX failed to pick up the car from the XXXX XXXX Police inbound @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Your company also release the title to the car to XXXX XXXX for Lien sale of the vehicle by the XXXX XXXX Police department tow yard. 

Please explain why your company was not interested in the vehicle and you allowed the lien sale and still trying to collect the debt from me. 

Once again I will sign another affidavit once I receive the statement above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app?
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX  report, Capital One make a hard inquiry on XX/XX/XXXX, this one is not authorized for me. Can you delete that hard inquiry please .Thanks
Product: Prepaid card

I tried to use my American Express gift card on XX/XX/XXXX and XXXX to pay for a room charge of {$220.00} at the XXXX XXXX XXXXXXXX, XXXX, IL. The card was swiped onsite and appeared to have been accepted. The next day I received a call that the charges had not gone through. I then tried to work with the director of operations to process the card. Over and over, he was receiving the error that the security code was missing, when in fact he was typing it in. He then sent me a card authorization form and I typed in the information myself, including the auth code, card number, expiration date, etc. I received the same error. 

Upon calling American Express, they informed me that the credit card processor ( XXXX XXXX XXXX XXXX ) requires a name on the card. I had previously used this card at another hotel so did not anticipate this hurdle and had planned to use this gift explicitly for this purpose. American Express told me that there is nothing that they can do, and XXXX also could not process the card physically. Now I am forced to put the room on another credit card that I can not use my current gift card to pay the balance of.
Product: Vehicle loan or lease

My original loan was for {$7800.00} and I've paid all but {$4300.00} of it. I have made large payments up to the amount of {$800.00} at a time. I asked for a loan deferment for the months of XX/XX/XXXX and XX/XX/XXXX because I was having a XXXX and was never sent the paperwork for it despite calling numerous times and asking for it, but I was charged the fees for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the deferment. They also automatically withdrew amounts from my bank account without my consent for 3 months. And now they're beginning their harassing phone calls again. They call me five or more times every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted dispute documents on Monday, XX/XX/2021, XXXX XXXX to Experian disputing a bankruptcy, and on Saturday, XX/XX/2021, XXXX XXXX to XXXX. Both companies are reporting my bankruptcy as accurate even though XXXX and XXXX could not find any information of a bankruptcy at all and deleted it from my report. I've contacted both companies and have not received the proper results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Experian, XXXX and XXXX are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. 

Account : Dept. of Education/XXXX Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX For reference : All 16 accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! 

Please update all payment history for these accounts to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.