23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, a text message from XXXX messaged me with the information included in the attached screenshot. This is not a number or company I am familiar with and I am NOT the intended recipient ( I do not share a similar name with the intended recipient and I have no business with any related parties ). The included PII should not have been shared with me so freely, especially without any requirement for me to authorize my identity ( which would have not provided me access to the PII ) and seems incredibly unprofessional and unsafe.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Dispute of Incorrectly Reinserted Collection Account To Whom It May Concern, I am writing to demand an immediate reinvestigation of the collection account identified as XXXX XXXX XXXX XXXX This account was previously removed from my credit report, and I find it unacceptable that it has been reinserted without proper verification. 

I want to be crystal clear : I do not owe this debt. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information on my credit report. I expect you to uphold this responsibility without delay.

I require the following information immediately : 1. Verification of the Debt : Provide documented proof that this account is mine, including details of the verification process used for its reinstatement.

2. Original Creditor Information : Confirm the original creditor and their validation of this debt.

3. Explanation of Reinstatement : A detailed account of why this entry was reinserted after being removed. 
If you can not provide verifiable evidence supporting this account, it must be removed from my credit report immediately. I will not tolerate any inaccuracies that could damage my credit standing. 

Failure to comply with this request will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider all available legal options to protect my rights.

I expect your prompt attention to this matter, with a response within the 30-day timeframe required by the FCRA. 

Thank you for your immediate action. 

Sincerely, XXXX XXXX
Product: Debt collection

CDR is calling me about a co-worker who has a debt with them. They are calling my company issued cell phone and my home land line.
Product: Mortgage

Email to PHH, XXXX XX/XX/XXXX requesting payoff as of XXXX XX/XX/XXXX with a copy of Chapter XXXX  effective XXXX Mail to PHH XXXX XX/XX/XXXX personal check {$1000.00} requesting amount be applied to PRINCIPAL ONLY and payoff amount as of XXXX XX/XX/XXXX. Instead, PHH applied funds to monthly mortgage payment thru XX/XX/XXXX. 
Email from PHH # XXXX, XXXX XX/XX/XXXX, acknowledging receipt of email. 
Letter to PHH requesting Principal Payoff Balance XXXX XX/XX/XXXX with a certified check in the amount of {$1500.00} to be applied to PRINCIPAL ONLY, not to monthly mortgage payments. Documents received at PHH, XXXX, NJ by certified mail, XXXX XX/XX/XXXX, attached. PHH disregarded request for funds to be applied to PRINCIPAL ONLY and applied funds to monthly mortgage payment through XX/XX/XXXX. They also suspended payment of {$560.00}, XX/XX/XXXX, documents attached. 
Email to PHH requesting an adjusted payoff date of XXXX XX/XX/XXXX for principal payoff balance. I informed PHH that they were milking it customers by not providing the requested information. PHH is performing an inappropriate accounting practice. Email attached
Product: Checking or savings account

My chime account was randomly closed and after they closed my account I had a refund of {$500.00} that was added back into my chime credit builder account. After calling and multiple chime representatives confirming that the {$500.00} was in fact in my chime account and I would have a closure check sent out to me, I still haven't received it and they are now trying to tell me that the money is gone and I'm not getting a closure check. I have been back and forth in communication with chime about my closure check which they have been telling me for the last 6 months will be sent to me. I just want my money.
Product: Credit reporting or other personal consumer reports

Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

On XX/XX/year>, I contacted Experian based on inaccuracies that I found on my credit report. I asked that the company investigate these accounts for validity, inaccuracies, and also to provide me with documented information from their verification process based on FCRA standards. About thirty days later I received updates on my credit report as verified and accurate. I demanded that the company do a reinvestigation based on the lack of evidence in their first investigation. After their reinvestigation, the company provided no method verification on how they determined that the accounts were accurate and complete.
Product: Credit card or prepaid card

I checked my credit score and noticed 2 credit cards I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is REQUIRED to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report
Product: Debt collection

In 2020 I received service from XXXX in the form of ambulance ride to the hospital. I paid off the bill completely. Out of the blue I just received a bill from Phoenix saying I that I owe {$100.00}. I can not access records from XXXX XXXX XXXX older than XXXX  months online. I'm XXXX and XXXX. This is a severe hardship for me. I do not understand WHY I have not been made aware of this debt before now. I believe this is an attempt to scam me
Product: Debt collection

In or around XX/XX/XXXX, my former JC Penney credit card account was turned over to XXXX XXXX XXXX, a Debt Buyer in XXXX, VA. 

XXXX XXXX began reporting this alleged XXXX XXXX to all national credit bureaus, in or around XX/XX/XXXX. 

XXXX XXXX blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As XXXX XXXX is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that Experian, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If XXXX reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by XXXX XXXX to " update '' this alleged Matter by XXXX year, thereby significantly increasing the negative effect on my credit scores. 

Further, as XXXX XXXX has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by XXXX XXXX was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of XXXX XXXX, and their credit reporting, as a whole. 

Last but not least, XXXX XXXX reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly seven hundred dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.
Product: Mortgage

In XX/XX/XXXX, I closed on a one-year construction loan which will roll into a conventional 30-year mortgage with People 's United Bank. The problem is that the Closing Disclosure statement was wrong. The lawyer, assigned by People 's Bank, walked me through the process and clearly stated that my monthly payment, for the first year, would be {$1000.00}. This appears in black and white on my Closing Disclosure Statement. However, it was wrong, as I learned when my XX/XX/XXXX statement arrived, and after I had engaged contractors and planned my budget for the year. The actual payment for the first year is more than {$2100.00} per month. When I learned of their error, I sent a written complaint to the bank and asked for a written apology and a description of what they would do to avoid situations like this in the future. I also offered a reasonable accommodation to help me stay on budget : the immediate release of the last $ XXXX that is usually withheld from construction loans until the project is completed and a CO is issued. ( Of note, I already have the CO and am living in the house. ) At any rate, the bank sent a letter back to me that talked about their process but did not include an apology and made no comment about my suggestion. They did instruct the VP in my local branch to call and offer an apology. She encouraged me to finish as much as possible before the first inspection and that there would be a good chance, if the house was mostly done, to get an early release of the $ XXXX. So, when my first inspection was scheduled, I contacted the Complaints department and reiterated my reasonable suggestion. The inspection was held in XX/XX/XXXX and deemed the house to be 98-percent done. However, the bank refused to release the final $ XXXX  because it is not 100-percent done and, of more concern, they refuse to acknowledge that the incorrect numbers on the Closing Disclosure statement were a mistake. They told me plainly that they don't think it was a mistake. Without any other option, I am filing this complaint. In my world, {$1000.00} is not {$2100.00} and I believe that consumers deserve to enter into contracts with financial institutions that are honest in their disclosures.
Product: Checking or savings account

I was involved in an online relationship with a XXXX XXXX. It was my understanding that a person was going to deposit money into my account on behalf of XXXX XXXX and I was to withdraw that money and send them to bill collectors as directed by XXXX XXXX. On XX/XX/XXXX {$9900.00} was deposited into my savings account at Bank of the Ozarks. On XX/XX/XXXX I went to the Bank of the Ozarks branch and withdrew {$2800.00} and {$7000.00} and sent the money to the places indicated by XXXX XXXX. On XX/XX/XXXX I made another withdrawal for {$120.00} and also sent that money to the places indicated by XXXX XXXX. I have records of each place the money was sent. 

On XX/XX/XXXX I received a call from the bank branch manager, XXXX XXXX. She asked me to come to the bank as we had a problem. When I got to the bank she informed me that the check for {$9900.00} was charged back to the bank. I inquired as to why the funds were released to me, the bank should have some sort of safe guard in place for things such as this. XXXX XXXX stated that the bank does but she was n't sure why the hold was n't placed on my account and that the teller that gave the money to me had been reprimanded. XXXX XXXX called me a thief and threatened to have me arrested and thrown in jail. She tried to force me to sign an agreement to repay the money. I refused, left her bank branch and contacted a lawyer. The bank as since turned me over to a collections agency. 

I was advised by my lawyer to file this complaint as the bank is at fault for not having safe guards in place to avoid things like this from happening. I also filed a police report with the XXXX Police department Incident # XXXX. 

I did not profit/benefit from this, I now know that I am a victim of a scam artist. 

Any assistance with this matter is greatly appreciated. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent XXXX, Equifax, the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately also I have fraudulent inquries appearing on my credit report as the following goes. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I checked my balance on my XXXX XXXX  the coins are missing then i checked the trading platform coinbaseXXXX is the name, this is what i found out XXXX transfer id Size Total Qty. 
Balance Withdraw XXXX pm - XX/XX/2021 XXXX XXXX who authorized the withdrawals filed a complaint with XXXX also called XXXX XXXX this is the place i stored the coins
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I was reviewing my consumer report and noticed that there was a lot of false information and outdated information on there. I reached out to the 3 Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) for as long as two years with no responses to my letters. numerous rounds of letters I've committed my time towards. My first round of letters started on XX/XX/XXXX and ended on XX/XX/XXXX. I've wasted nothing but time, money, and energy that got me a case full of neglect against my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts 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 XXXX XXXX. I have never been late on payments for the accounts : XXXX  XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$12000.00}
Product: Mortgage

Hello, My home mortgage is managed by PHH Loans XXXX My mortgage owed each month is roughly {$920.00}. I pay {$470.00} every XXXX weeks. So I pay extra, and at the end of the year I 'm usually a month to 6 weeks ahead in payments. So in the long run of 30 years, I 'll save thousands in interest and a few years off the loan. However, the mortgage company does not process my payments correctly. Every few months, I will received a call saying that I am short on my payment. I 've even had foreclosure paperwork sent to me. I 've spoken to their representatives about correcting the mistakes. Because I should be 2-3 months ahead of my payments, and I 've put extra money toward principal. 

I am very concerned about how this company is managing my payments. They seem to adjust things randomly. They should at least know that I am not behind in my payments.
Product: Debt collection

I get between 4 and 9 calls a day from kohl 's dept store..now their caller id went from kohl 's to XXXX. ..they call from XXXX to all hrs of the evening. ... I am having serious financial problems and am in forclosure..I am doing my best to pay my bills and the constant phone calls cause alot of stress
Product: Credit card or prepaid card

on XX/XX/2022, I called my credit card company chase to let them know that I was having a hard time making my payment this month and did not want to be negatively reported to the credit bureau, I was told by the representative on the phone, that if I made a small partial payment of {$50.00}, chase would consider my payment a good will payment towards my debt. They instead reported me to the credit bureau as delinquent because my payment was late. I called in to talk to a supervisor and was told that I was given wrong information by the rep and there was nothing they could do to assist me in updating my credit report. I am in the process of applying for work and buying a home, so any negative information on my credit report will have a huge impact on my life and that of my family. I have since scheduled a payment of {$220.00} to bring me up to date. I kindly ask that chase please help me in correcting this negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : 1. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXXXXXX XXXX XXXX Collection Account XXXX. U.S. Bankruptcy Court XXXX XXXX. U.S. Bankruptcy Court XXXX 10. US DIST CT XXXX XXXX. US DIST CT XXXX  I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$570.00}
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed inquiries that I had no knowledge of - Here are the inquiries I found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit card

Capital One 's Fraud Department sent me an email asking to verify possible fraud on my account. I was attempting to verify that it was fraud and accidentally hit yes on the email and then I attempted to call them once I realized that I had selected the wrong option and I was on hold for 45 minutes mind you. Long story short, Ive had fraud on my account, and I did not receive or benefit from any of the services. I know for a fact that my signature was used to sign for any goods or services and almost 3 months later they are trying to hold me accountable for fraudulent charges that I did not make. Charges were made to big retailers like XXXX and such and I have already closed account the account.
Product: Credit reporting or other personal consumer reports

I just recently applied for a credit card and the bank denied my application due to XXXX XXXX, and before applying to this bank I couldn't see my credit scores in any bueruas.
Product: Checking or savings account

A check from my work that was deposited through a Mobil app was stolen out of my car .I originally deposited this check through Bank of America XXXX XXXX on XX/XX/2019. 
Who ever stole the check took it to a bank and was able to cash it. Almost 9 months later after the check was issued to me Bank of America took the money out of my account in the amount of my check which was XXXX. 
The check was a paycheck from XXXX  XXXX  in XXXX XXXX XXXX XXXX harbor way It was a XXXX XXXX issued check signed by the owner of XXXX XXXX XXXX XXXX  XXXX XXXX. I deposited a paycheck in my account thinking it is safe and 9 months later the money from that deposited check is removed, are you kidding me this is not right and that money should be put back in my account, I am not the bad guy in this matter. I have filed a police report with XXXX police department, and have documented everything. 
XXXX should be credited back to my account immediately. I am not a criminal, I have no prior police reports against me of fraud, I am a responsible working class citizen. 
Thank you XXXX XXXX
Product: Mortgage

The servicing of my loan was transferred from NewRez to Shellpoint. We have been unsuccessful in many attempts to get information about sending our mortgage payments to Shellpoint. Shellpoint 's website says we should use our NewRez log-in and password to sign-in, but our log-in and password do not work on the Shellpoint website. I then tried to create a new account on Shellpoint. Shellpoint rejected the new account with a message saying I already have an account. For XXXX days we have been calling Shellpoint, but the calls do not connect. We have never missed a mortgage payment but are worried we might if we can not set up payments to Shellpoint. Thank you for your help.