23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Product: Mortgage

In XX/XX/year> I emailed a request to obtain escrow summary information to my mortgage servicing company : Select Portfolio Servicing, Inc ( SPS ). They were raising the amount of escrow they were collecting by {$56.00} per month. In my letter, I pointed out that my property taxes in IL have gone down ( lower ) every year for the last 4 years and yet SPS has raised the amount collected every year anyway. I asked to have at a minimum my payment kept the same. 

In XX/XX/year> I received a letter that contained a lot of false data and misinformation. In this letter SPS claimed to have paid much higher amounts in property taxes for the last 2 years than I actually owed or XXXX XXXX billed, thus supposedly generating a shortage. In XX/XX/year>, I called the service department again contesting the data claiming overpayment. 

On XX/XX/year>, I went to the XXXX XXXX XXXXXXXX XXXX and obtained paperwork showing that the higher amounts claimed were never paid and that no refunds have been issued due to overpayment. 

I believe that since I am XXXX and a XXXX XXXX that this company is attempting to employ shady business practices to make this loan payment unaffordable to me. They are wrongly overcollecting on the proprerty taxes and openly lying to me on the payment amounts made.
Product: Credit card or prepaid card

Capital One credit card company received a payment electronically from my bank, XXXX, on XX/XX/XXXX, but did not post the payment. Called Capital One on XX/XX/XXXX, and supervisor made 3 way call to XXXX to verify that payment was made. 
Capital One gave me a credit on XX/XX/XXXX statement, then reverse the credit on following month statement. Made numerous calls to Capital One on XXXX and XXXX, and it was promised that they will fix the problem, but has not done so. Now I received a letter from Capital One that I need to contact my bank for unauthorized transaction. I made all my payments to Capital One through electronic withdrawal. 
Please help me to resolve this issue. I want my money back. Thank you
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/17 I completed a {$1800.00} wire to Coinbase. I have confirmed that the wire instructions including the further credit reference was present and correct. Coinbase still had not credited the funds to my account. They stopped responding to me on Saturday. They didnt even acknowledge my messages earlier. You cant call them on the phone.i shared all of the wire info including the bank Ref and fed Ref numbers. They havent even made an effort to check on it.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this afternoon and have no idea how they got there. I regularly check my report, but today there were discrepancies out of nowhere. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. I'm really disappointed and asking for a thorough review of the documents I sent so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - 1990 Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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: Debt collection

I had been a customer with XXXX XXXX and purchased a phone with my planXX/XX/XXXX. I opened other lines in addition to the first line. After a couple months my phone screen went black and I was unable to use the phone. When I arrived at the store they dismissed my insurance and complaint of the phone. They then proceeded to sell me a XXXX  additional purchase for a new phone. I canceled my policy and changed carriers. XX/XX/XXXXI received a credit report and a collection of XXXX was owed to Pinnacle Credit Services. I have not received any information on this collection or any communication by phone, mail or email. I called the Credit Services on the number listed and inquired about this debt. The information was inconsistent after calling 4 separate times, with four seperate agents. I am calling to have this removed from my credit report with XXXX charges owed.
Product: Debt collection

XXXX, XXXX XXXX  PA., XXXX, sent me a letter stating that I owe XXXX {$2300.00} for overpaid XXXX. This is not true. XXXX sent me a letter stating that I have no financial liability to them when I was laid off. I sent this document to them. Their letter was dated XX/XX/2022, 3 years after I left XXXX.
Product: Checking or savings account

Charges not put through in a timely or orderly manner. Charges stacked in a way to cause confusion in available funds. Charges removed and replaced multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX - XXXX - {$1000.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX - {$770.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX - {$1300.00} Personal Information Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

{$230.00} on XX/XX/XXXX I disputed an XXXX XXXX XXXXXXXX XXXX account ending in XXXX on my Experian credit report this account was open in XX/XX/XXXX now after the dispute Experian falsely reaged this XXXX XXXX XXXXXXXX XXXX account to XXXX of XXXX I never even had this account open in XXXX of XXXX it wasn't open until XX/XX/XXXX. Experian keeps telling me I am wrong with this information this information was taken directly from my credit report I've been pointing out the errors so how could I be wrong when it's what experience is showing me
Product: Bank account or service

Dear Officer, I am writing to report that Bank of America cheated me over the phone. 
On XX/XX/2016, I and XXXX in her XXXX office made a phone call to Bank of America, regarding my home-line-equity account with Bank of America. I was told by Bank of America that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
However Bank of America failed to keep its promise and closed my Home Equity Line account. 
I am demanding Bank of America : 1. Restore my Home Equity Line account. 
2. Refund me the payoff fee. 
Thank you! 
XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The TRANSUNION credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXXXXXX 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  I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Im a XXXX XXXX  with a XXXX XXXX  living in Maryland. I made the serious mistake of opening a bank account with Citibank. After a series of errors and inefficiencies on their part, they have twice taken the liberty of seizing money from my own account, without alerting me beforehand. 

The first time it happened was after Id deposited a cheque from XXXX with a name they said didnt match my exact to the letter. They requested I come to the branch with my ID, which I did. They said thank you, that should suffice. Yet a few weeks after, they simply took all that money from my account. When I complained, they said Citibank security was finicky and that Id need to ask the XXXX institution to send me the cheques again, this time made out to the exact name on my passport. I complied, deposited the new cheques, and forgot all about it. 

But now they just took over {$500.00} from my account without telling me why. Ive wasted hours on the phone and in the branch without getting anywhere. 

Will you help?
Product: Debt collection

Today at XXXX EST I received a call at XXXX ( which I am assuming was an auto dialer ), that I unfortunately missed. I returned the call to get answered by a woman who I could not understand because she spoke so fast. I asked her to stated where she was calling from she played games with me by saying " I didn't call you, you called me ''. She refused to identify where the call originated from. She then began to laugh and hung up on me. It was incredibly disrespectful and unprofessional. 

I called back. It was another female. Same thing, refused to identify where she was associated with and hung up on me. This happened a few times. Then a man answered the phone and claimed to be a supervisor. He was just an unprofessional as the others. Speaking over me, laughing and cutting me off. However, what he did was disclose information about my husband without verifying any of his or mine information. He started spewing off details such and his employer and personal information. To my knowledge this is a violation of privacy and FDCPA. 

I called back again and spoke to a gentleman and yet again was not given information about the call. Instead our home address was provided to us as well as a former employer. My wife advised of the FDCPA and that I worked for a XXXX XXXX. The mans response was a laugh and then followed with Your husband is a XXXX   ... He works for XXXX XXXX After this my wife called me to inform me of the calls when we made a 3 way call. I identified myself as requested as Mr XXXX ... we began to discuss our experience when we were told we were harassing the company and were hung up on. 

Upon several times calling back we were picked up and then immediately hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the process of correcting errors found in my credit report, I found a lot of incorrect addresses and names. I sent dispute letters to all three credit bureau to fix the issue. XXXX and XXXX fix the incorrect information right away but after several attempts and proof of my right address, Experian has refused to fix this issue. The main reason in my personal opinion why Experian does not want to fix and update this information is very simple, the old accounts are attached to those addresses and names, if they where to be deleted, the old account may also be deleted. So, in turn, you will no longer be tied to these accounts and get a better credit score.
Product: Payday loan

A company called National Credit Adjusters called my wife and left a message for me to call them back I was to call XXXX at XXXX. I returned the call, she said I owed about XXXX dollars for a XXXX XXXX pay day loan from 2013. I said I do not remember this and have not seen it on my credit report. She tried to talk to me about filing a police report. I asked them to send me the source documents, I asked for any history, contract anything they had, she said ok and put me on hold. Then a man answered who was loud, rude and bullying, he was asking personal questions and refused to agree to send me the source documentation or history. I was nervous because they knew so much of my personal information, he even went as far to ask if I was married and accuse my wife of taking out a loan and not telling me ( I wasnt married at the time of this supposed loan ). I asked to speak to a supervisor several times, he kept saying ok but continuing to ask me questions and would not agree to send me the history of the account. I wanted the history of the account, so I can see for myself what it is and research it. They kept asking if I was claiming fraud, I said I did was not because I need to see the documents and review them before I decide if it is something I did or paid or what it was in regards too. Finally they transferred me to a supervisor, he said he was the floor supervisor. He was polite and apologized at first for the other individuals comments. Then he started asking me very personal questions and I refused to answer. I gave them my updated address and asked for the source documents again, they claimed they did not know what I meant. I specifically asked for any history, contracts, original creditor info or anything they had, they said they would file it as fraud and kept asking if I was claiming fraud and what my bank account number was. I just kept asking to please send me the information. Then he said he was going to sue me, I said go for it, he said now I have you recorded saying to sue you, I said if that is what it takes to see the documentation then ya sue me. I also informed them I was military, the man then said he was a XXXX XXXX ( was obviously lying ) and said I would be in trouble with the XXXX for this. I am nervous about how much they know about me, they new my family members, old addresses, and the banking institution I use. They were defiantly harassing and threatening.
Product: Credit reporting

I have disputed this account twice with Equifax. There has never been a proper investigation done. The only thing the company did was send me my credit report with the account still listed. The account does not belong to me. I asked for it to be verified and they did not contact the company just sent me my report 2-3 days later. How is an investigation properly done so quickly?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

Superlative RM, Keeps calling my sisters phone back to back non stop. Ive told them to stop calling me & they continue to call off of different numbers after having them blocked multiple times. On XXXX 2022 I spoke w/gentlemen to offer to pay 30 % off the balance as a settlement & the gentleman w/the company would not accept, however this is considered harassment after trying to settle and them not agreeing. If these calls do not stop or they dont agree to settle im requesting to have this removed off my credit report.
Product: Mortgage

AAG solicits for reverse mortgage loans but doesn't even know the HUD Loan requirements for reverse mortgages. So they go forward wasting time and getting your money quickly to pay for an appraisal. Then the appraiser notifies AAG of the HUD loan requirements that AAG should know. Then AAG wants to keep the money for the appraisal. After much battle, AAG refunds {$270.00} but refuses to refund the other {$120.00}. 
After much battle for a measly {$120.00}, I receive this email and copies XXXX XXXX : From : XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) XXXX XXXX, Maybe you misunderstood what I told you, I stated that we authorized the additional {$120.00} and that we would be sending that out separately, youve received the 1st portion of refund you should be getting the additional {$120.00} as well. Sorry for the misunderstanding. Please feel free to call me for further clarification if needed. 

Thanks, XXXX XXXX Mortgage Professional NMLS # XXXX AAG | American Advisors Group Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Please consider the environment before printing this email. 

44 DAYS LATER, I receive this email : From : XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : [ External ] RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) Hello XXXX XXXX I was informed that the request for the refund was declined. 


AAG must be having money problems, is a mess, totally unorganized and their word isn't even worth {$120.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I pulled my Equifax credit report and discovered a debt with account name : XXXX XXXX XXXX  that is in error and has been posted to my credit report without my permission.
Product: Debt collection

Calling from impersonated numbers, example calling as XXXX XXXX when it is actually the collection agency, using these tactics to get away with calls on Sunday
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

RE : CFPB # XXXX XXXX XXXX provided verification that they sent the correct tax amounts to Seneca Mortgage Servicing LLC on XXXX XXXX, 2014. 

Faced with this evidence, Seneca is now contradicting the statement they made to the XXXX that the error was caused by the " prior servicer 's tax vendor '' and have now stated to XXXX XXXX that the error was actually caused by Seneca 's own vendor, XXXX. 

I am currently unable to locate and identify XXXX and XXXX is not in the CFPB database.