23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XX/XX/2021, I have been receiving phone calls from Portfolio Recovery from three different local phone numbers stating that I owed nearly {$3500.00} on a credit card loan that I did not authorized. The most frequent telephone number they called from is XXXX. On today and within the last XXXX months, I have received calls from XXXX and XXXX. The loan does not have my correct legal name listed, and I was in the process of a divorce when the company stated the loan was authorized. I was also not in the state at the time the loan was requested and approved. I have spoken with multiple representatives at the company, including submitting an investigation on the loan, and I also sent them copies of my legal information to show that I did not authorize the loan. To date, I am still receiving unwanted calls, and the balance was supposed to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO There are multiple repeated UNAUTHORIZED Hard inquired in my credit report. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( FIVE 5 ) CREDCO inquires must immediately be removed from my credit report of all credit bureaus.
Product: Credit card

I opened a Chase Marriott XXXX XXXX  credit card back in 2022. The opening bonus was XXXX XXXX XXXX at Marriott after spending XXXX within 3 months. I met the spending requirement in 2022, within the required timeframe, but the welcome bonus ( XXXX ) never posted to my Marriott account. I have been communicating this with Chase multiple times over the past two years but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted a tradeline from my credit report following a dispute. The intent of the dispute was simply to have the balance of the account updated as it was not current. The creditor ( XXXX XXXX XXXX ) has re-reported the account to Transunion, however, Transunion has yet to reinsert the tradeline. I would like to have this tradeline reinserted into my credit report so my credit profile is accurate and complete. Attached, please find ( 1 ) a  statement from the creditor ( XXXX XXXX XXXX ) on company letterhead, dated XX/XX/XXXX, confirming the account has been re-reported to Transunion ; and ( 2 ) an excerpt of my XX/XX/XXXX Transunion credit report which provides the identifying data for the account in question. Thank you for your time and attention to this matter.
Product: Debt collection

I have sent Midland two letters regarding a debt they claim I owe and have filed a dispute with the credit bureaus that Midland responded to with a claim that the debt is valid. 
I have provided a copy of the letter I mailed to Midland in XXXX, which clearly requests proof that Midland owns this debt and has right to collect, which Midland blatantly ignored in their response - the response is also attached. 
As a resident of New York City pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I have a right to see proof that Midland owns this debt and per NYC Law, Midland can not collect on this debt until such proof is provided to the consumer if requested. 
Since my request Midland has continued to make collection efforts sending letters to attempt to collect the debt dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX in addition to several phone call attempts in that time period these collection actions are a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I was notified by a credit monitoring company that a fraudulent loan was taken out in my name. After several correspondences with the bank, XXXX XXXX XXXX XXXX XXXX, MN, we resolved that this activity was fraudulent. This conclusion was established on XX/XX/XXXX. Immediately, I began working through each of the credit bureaus, establishing Security Freezes and Fraud Alerts on my account. 

After easy and quick success with the first two agencies, I attempted to reach Experian. My first phone call on XX/XX/XXXX reached an answering service, since it was after business hours. 

When attempting to log in to my account, my password was not accepted. 
When attempting to reset my password, the password reset was sent to an email that I did not recognize. 
I have attempted to reach Experian on numerous additional times : XX/XX/XXXX - attempted phone call - was on hold for over an hour, then was hung up upon. 
XX/XX/XXXX - attempted several phone calls - was on hold for over four hours, then was hung up upon. Called the business office technical support line to reset my password and was denied. At this point, my account has been in the hands of a criminal for several weeks, with no way to reach a human at Experian able to assist me with reclaiming my account.
Product: Mortgage

I received a letter today from my mortgage company, Cardinal Financial Company, telling me that " their records show my homeowners insurance expired, and we do not have evidence that you have obtained new coverage ''. This is total XXXX XXXX. My coverage has renewed as expiring. There is absolutely no reason for them to have any " records '' that show my coverage expired. This is called " forced placement insurance '' and its one of the biggest scams in the U.S. financial industry. Tell these XXXX to do their jobs and get my insurance information from my insurance company or my agent. And please investigate and sue the XXXX out of all of the mortgage company criminals and end forced placement insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir/Madam, I had a new inquiry credit report on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report. 

Please let me know if you need any more information. 

Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a final and unequivocal demand for the immediate removal of the inaccurate and misleading information you are reporting regarding XXXX XXXXXXXX XXXX  account with Truist Bank ( formerly SunTrust Bank ), Account Number : The account in question has been paid in full as of XX/XX/XXXX, as explicitly confirmed by Truist Bank in correspondence dated XX/XX/XXXX. Your refusal to update or remove this inaccurate information is a direct violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ), and is causing significant harm to my business, reputation, and financial standing. This is harming my business from doing banking. 

XXXX has failed in its legal obligation to ensure the accuracy of the information it reports, and this negligence has resulted in material damages. You are now in clear violation of the following statutes : 15 U.S.C. 1681a ( 2 ) ( i ) Information derived solely from transactions or experiences between the consumer and the reporting entity is excluded from the definition of a consumer report. As the reporting entity in this matter, Truist Banks information should not appear on your system.

15 U.S.C. 1681s-2 ( b ) You are required to investigate and correct inaccurate information upon dispute. Your failure to correct this issue demonstrates gross noncompliance.

15 U.S.C. 1681n and 1681o Your actions constitute willful and negligent noncompliance, exposing XXXX to legal liability for actual damages, statutory damages, punitive damages, and legal fees.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a XXXX  that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX  Experian Reference # : XXXX Applicable Legal Basis for Dispute XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 

XXXX. XXXX of XXXX ( XXXX XXXX. XXXX ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 


XXXX. Re-Aging of XXXX ( XXXX XXXX. XXXX ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off XXXX appear on my credit report longer than the allowed 7 years. 





XXXX. Validation of Debt ( Fair Debt Collection Practices Act, XXXX XXXX. XXXX ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. 

XXXX. Court Name : o Experian lists : XXXX XXXX CT NY XXXX ( likely XXXX BANKRUPTCY XXXX NY XXXX is intended ). 
o The name appears truncated or misspelled. 
o XXXX : NONE XXXX. Date Filed/Reported Discrepancies : o Experian : XX/XX/year> o XXXX : XX/XX/year> o XXXX : XXXX o This inconsistency suggests the reported dates XXXX be inaccurate or unverifiable. 
XXXX. Reference Numbers : o Experian Reference : XXXX o XXXX XXXX : XXXX o XXXX : NONE o XXXX reference numbers are inconsistent between bureaus, raising doubt on the reliability of reporting. 
4. Closing Date Missing for XXXX : o XXXX does not display a Closing Date while Experian lists it as XX/XX/year>. 
XXXX. Dollar Amounts : o Both bureaus list {$XXXX} for Asset Amount, Liability, and Exempt Amount, which might suggest incomplete or unverifiable information. 
o If a XXXX  was filed and XXXX, there should be values associated with assets and liabilities. 
XXXX. XXXX XXXX Issues : o Some data is misaligned, such as Remarks not showing additional context.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity the '' and my information was used to open a credit card with Wells Fargo DILLARD department store. I noticed the crime because I got text messages from DILLARD to pay my credit card with balance of XXXX. I have never been inside of a DILLARD department store and I don't have a bank account with WellsFargo. I called Dillard to report the fraud, they are currently investigating the issue and suggested me to open this police report and put a freeze on my credit report with al 3 major credit unions. Here 's the info I got from my XXXX. 

Account name WF/DILLARD Account number XXXX Account type Credit card Responsibility ) Individual Date opened XX/XX/XXXX Status Open. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance ( i {$2.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$110.00} Credit limit P {$5.00} Highest balance i ) {$2200.00} I also notice that all credit unions have a fraudulent address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit card

XXXX XXXX is signing up consumers for their Platinum card under false pretenses. I have now had the card two times. First in XXXX and now beginning in XXXX. The first time I signed up for the card I was offered a sign up bonus of XXXX points after spending a certain amount ( I believe {$3000.00} ). At the time I was denied the bonus because they said I signed up not using the right weblink and code. This was ridiculous since I did everything I was told. I tried the card again this XXXX because they are supposed to offer excellent benefits, however they defrauded me again saying I am not eligible for the bonus since I have had the card in the past. I understand they are dissuading consumers from attempting to open multiple cards to accumulate bonus points. However this doesnt apply to me. Each time I paid the $ XXXX yearly fee. Both times I was defrauded by XXXX XXXX. I contacted the company several times and they wont listen. XXXX XXXX even went as far to say that their records did n't go back long enough to verify whether I got the bonus in XXXX or not! They believe they are untouchable because the average consumer doesnt have the resources to file a lawsuit. Please help me with XXXX XXXX! d
Product: Student loan

I'm having an issue with a debt collector for a student loan. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) contacted me yesterday by phone to collect on a student loan debt. My son and I have the same name, but he's referred to as XXXX XXXX XXXX. He makes payments on the debt. I've requested in writing to XXXX that they only contact me in writing ( not by phone ). I explained to the rep that I would call my son and have him check on his payments. The rep was very aggressive and would not accept my reply-so I ended the call. My son made a payment that day- but I was informed that my credit was pulled that day without my consent for new account activity. When my son called to find out why, they explained that they can pull my credit at anytime. 

I believe this was done in retaliation. I would like to file a formal complaint about XXXX 's methods and procedures for collecting debts. As stated, I've requested from them several times not to contact me by phone. XXXX 's tactics are meant to financially harm consumers by distorting credit reportings.
Product: Consumer Loan

Avant would never work a payment arrangement that was in my needs. The interest rate was to high as well the payments. So I got behind then they sold my account to XXXX XXXX XXXX. XXXX ended up pursing legal actions against me. Well I ended up winning the case and turned out I did n't have to pay them nothing.
Product: Credit reporting or other personal consumer reports

After receiving no response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothin
g.
Product: Checking or savings account

i have bills to pay & Capital one is not depositing my funds into my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  These Accounts : 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 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 XXXXXXXX Have Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle fell to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I did not receive my bi-weekly paycheck XXXX direct deposit on XX/XX/year> in the amount {$1300.00} from my employer XXXX XXXX. I was not able to access these funds until Sunday XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX # XXXX Disagree with the Negative account status Account has never been in bankruptcy Showing a collection charge off with no late payment history Disputed XX/XX/XXXX & XX/XX/XXXX Asked for Status Verification XX/XX/XXXX Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. No Documentation was received. 
Disputed negative payment status and history on account XX/XX/XXXX Did a custom reason dispute on XX/XX/XXXX and asked How can this account have no late payments, no balance, and showing no past due payments and still be a collection charge-off??? Please DELETE OR UPDATE THIS ACCOUNT TO POSITIVE.
Product: Credit reporting or other personal consumer reports

XXXX  has a vehicle on my credit for XXXX XXXX I have no knowledge of this account an it shouldn't be on my credit
Product: Student loan

Navient has an account balance posted with an amount. The amount posted does n't cover the interest. Why post a balance that does n't cover interest?
Product: Checking or savings account

I had someone contact me using a Wells Fargo phone number stating they where with Wells Fargo and that someone had attempted to make a fraudulent charge and that the bank had stopped it she asked me for my name and date of birth to verify it was me I verified she said she was gon na send me a XXXX time verification code and to please read it back to me I did she then said my pin had been compromised and it needed to be changed she asked me to enter the old pin in and then to enter the new one in she told me they where gon na send me a new debit card. Two days later my account was XXXX $ I went onto my account and there had been 2 withdraws from my account 1 for XXXX $ and XXXX for XXXX $ putting me XXXX $ at an ATM in XXXX I live in Colorado I immediately contacted my bank and they said that it was my new card I told them I had not received my new card they said they where gon na get me some help they deactivated the new card and sent me another card before they sent me to claims. Claims said I had been scammed and it would take 7-10 business days to investigate. I'm trying to figure out how the bank sent my card to another address then the one on my account how did this scammer pull out XXXX $ out of my account and overdraft it when I had a XXXX $ ATM daily limit on my card and overdraft protection I feel like the bank is also dragging their feet to give me my money back because they already told me I was scammed and they still have to investigate also they state that they watch accounts for suspicious activity and decline any suspicious activity if they checked my account they would have seen my last transaction was in Colorado and the card was being sent to Florida. I've been with Wells Fargo for a long time and I rarely use the ATM to withdraw money that should have also been a red flag but I had to contact them. I don't feel the bank wants to help me or get this settled it's the first of the month I have bills no money and I'm the only income in my family of three. please help me get this settled.i am also waiting for the bank to settle this claim so I can give the claim report to the police I made a police report with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was zero. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them one bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XX/XX/XXXX. Prior to that, in approximately the beginning of XX/XX/XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this issue.
Product: Debt collection

filed a dispute regarding this account ..did not recieve documents used to verify this account creditor and XXXX  bureau has refused to remove this account from my credit profile which is hendering my ability to purchase a home
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I applied for a loan on the Lending Club website. I did a joint application with my husband, XXXX XXXX. The Lending Club issued the loan only to me ( and in my old name for some reason ) and excluded my husband from the loan. I called and spoke with two different reps at LendingClub on XXXX and both told me that there was nothing they could do. This is a huge issue for a number of reasons. 1. Now all this debt is in my name alone which will affect my debt to income ratio and my overall credit score. 2. We may have been able to receive a lower rate and different terms if my husband had been included with his income and credit score. 3. They are sending direct payments to pay off some of our other debt, one is a car loan that is solely in my husband 's name and I'm not even on. Given the severe financial ramifications that I will have to experience as a result of this for years to come is not acceptable. They are refusing to do anything even though they are the ones who caused this issue. It is not okay to punish a consumer, especially so seriously, because of a company 's error. I've contacted them multiple times and requested management or an escalations dept, neither of which I was ever transferred to. I was told anyone I was transferred to would tell me they can't do anything, even though this is their error. I need to have this rectified. They should redo the loan in mine and my husband 's name and remove the original credit inquiry they put on my report. My terms should be adjusted to show the co-applicant.