23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below because it is still showing and reporting inaccurate information on my credit report, even prior your investigation. I would like for these item to be reinvestigated as soon as possible. This XXXX item with the account number XXXX is inaccurate and negatively affecting my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to inquire the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation.
Product: Credit card or prepaid card

Macys/DSNB has BROKEN THE LAW and violated my consumer rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Macys/DSNB is illegally reporting that I owe an alleged debt of {$8600.00} for account ending in XXXX. Macys/DSNB is reporting inaccurate account information to the credit reporting agencies. When requested by the credit reporting agencies to validate and or verify the information furnished on my credit report, Macys/DSNB continues to report the account as accurate. This account was sold to a debt collector on or around XXXX XXXX and Macys/DSNB continues to report to the credit reporting agencies that the alleged debt is still owed to them. Please See attachments XXXX debt collector and Macys Cease and Desist.
Product: Mortgage

We have fixed conventional mortgage with Flagstar Bank in XXXX for home since XX/XX/XXXX, by XXXX after paying same monthly payment for over a year, they reported an escrow shortage. They demanded that we added {$1100.00} on top of our {$1900.00} payment for all of XXXX and still insists that the escrow was in shortage of - {$3700.00} after records show we paid over {$16000.00} to escrow that year with only {$7800.00} real property taxes and {$2400.00} home insurance, {$1500.00} flood policy. We are moving the mortgage to another company but they indicate the bank is asking more to close with more money added to principal balance.
Product: Debt collection

Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX XXXX was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.
Product: Credit card or prepaid card

This started because I made a mistake, and I know what I did wrong. I was doing a balance transfer for {$6000.00} to consolidate debt. However, when I submitted the card information for the balance transfer, I accidentally entered the wrong credit card number from my wallet. The card I entered was a citibank card I had recently closed. It looked very similar to the card I meant to transfer the balance from, but I entered citibank card by mistake. 

Now, I have a credit balance ( surplus ) of - {$6000.00} on the citibank card. The card is closed, so it is stuck in the account. I contacted citibank for the first time to tell them what I had done on XX/XX/XXXX. The rep said they would process a credit/check to be sent back to me within 3-5 business days. They took my checking account number and routing number over online/secure chat. 

I have contacted Citibank every day since the XX/XX/XXXX to ask when the funds will be credited back to me. They say " tomorrow '' each day. Or, they say " 1-2 days '' each time. It hasn't moved from the account. I can't pay the credit cards I need to pay because this money is tied up at Citibank. I would understand if they need to void the balance transfer and just let me start over, but they won't do that either. I'm out of options.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been included in the Bankruptcy but this company has violated the FCRA rule and for an automatic stay of this account in my credit report. This should be removed in my credit report immediately.
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 U.S.C 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 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  15 U.S.C 1681a. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681a2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

15 U.S.C 1681i5. ALL ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS, REPORTED INACCURATE INFORMATION, AND THEY ARE TO BE DELETED IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF 15 U.S.C 1692.

15 U.S.C 1692e8. COMMUNICATING INFORMATION KNOWN TO BE FALSE. DELETE IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FCRA Sec 623a3 [ 15 U.S.C 1681a2 ] RESPONSIBILITIES OF FURNISHERS.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FDCPA Sec 807 ( 8 ) FALSE OR MISLEADING REPRESENTATIONS.
Product: Credit reporting or other personal consumer reports

IN REGARDS TO COMPLAINT ID XXXX FOR EQUIFAX, THE RESPONSE LACKS DETAIL AND COMPLETE EXPLANATIONS NECESSARY TO ADDRESS MY CONCERNS REGARDING THE ACCURACY OF MY CREDIT REPORT. MY REQUEST FOR PROOF OR EVIDENCE IS NOT EFFECTIVELY SATISFIED. THERE HAS BEEN NO FORM OF COMMUNICATION TO PROVE I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT. I NEED PROOF WITHIN 15 DAYS, IF NONE ARE PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, YOUR RESPONSE LACKS A DETAILED EXPLANATION OF THE FINDINGS OF SUCH REINVESTIGATION. YOU STATED THAT THE DISPUTED ITEMS WERE VERIFIED AS ACCURATE WITHOUT PROVIDING SPECIFIC DETAILS OR DOCUMENTATION SUPPORTING THIS CONCLUSION AKA PROOF OR EVIDENCE. YOU ALSO FAILED TO ADDRESS WHETHER PROPER AUTHORIZATION WAS OBTAINED. YOUR INFORMATION REGARDING CREDIT REPAIR LAWS COMES ACROSS AS DISMISSIVE BY STATING, " THERE IS NOTHING A CREDIT REPAIR COMPANY CAN DO FOR YOU. '' YOU FAILED TO OFFER POSITIVE ASSISTANCE OR GUIDANCE ON RESOLVING MY SPECIFIC CONCERNS. WITHIN 15 DAYS, I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, XXXX HAVE RECEIVED THE LETTER SENT WHICH WAS ONLY AN UPDATED CONSUMER REPORT. I EXPECTED MORE THAN JUST AN UPDATED CONSUMER REPORT I AM LOOKING FOR PROOF OR EVIDENCE TO SUPPORT THE INFORMATION ON MY CREDIT REPORT REGARDING ANY DEBTS OR NEGATIVE ACCOUNTS. AN UPDATED REPORT DOESNT ADDRESS MY REQUEST FOR VERIFIABLE EVIDENCE. YOUR RESPONSE DOESNT PROVIDE A CLEAR EXPLANATION OF HOW YOU ARRIVED AT YOUR CONCLUSIONS. I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Experian/XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the XXXX & Experian credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that these accounts : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$580.00} XXXX XXXX 54677**Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} will be removed.
Product: Mortgage

My mortgage servicing was recently transferred to Central Mortgage Company. They are charging me a {$5.00} fee to make one-time payments online. This is an unusual and unfair practice, especially in 2016 in which all banking and payments are done online electronically! In my loan documents, it was stated that there are no prepayment penalties. Well, this " fee '' is a penalty, in which if I wanted to make more payments in a month to lower my principle I am being penalized. Please help as this ca n't be an acceptable practice.
Product: Credit reporting or other personal consumer reports

I couldn't believe my eyes when I saw inaccurate accounts on my credit report this morning, and I have no explanation for it. I check my credit report all the time, and suddenly these errors showed up out of nowhere. I even refreshed my browser, thinking it might be a mistake, but nothing disappeared. The fact that these wrong accounts remained is alarming. Please, I need the documents Ive provided to be checked carefully, so I can stop living in fear of this happening again.
Product: Checking or savings account

Merchant : XXXX Unauthorized withdrawals that include : XXXX XXXX XXXX {$100.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$170.00} XXXX XXXX {$350.00} XX/XX/XXXX {$260.00} Total Amount : {$1400.00} I spoke to Chase Bank about unauthorized transactions on my account and filed a claim as well as a stop payment to prevent the charge from going through. They did credit less then half {$540.00} while they investigated. Today XXXX XXXX XXXX they did a credit reversal based on a transaction which was the first one made in XXXX XXXX XXXX. I dont often check my bank account and failed to notice these unauthorized transactions til the last one which was done in XXXX. I dont have business with XXXX nor have I ever. My current Mobile carrier is XXXX. They did not provide me with proof but will request this information on how they came to a decision tomorrow because I didnt not authorize these transaction.
Product: Debt collection

On XX/XX/2023, I initiated the dispute process with Credence Resource Management , LLC, by requesting verification of the debt, a proof of the Contract signed and authenticated. My request was made in accordance with my rights under the FDCPA. In my letter, I disputed the alleged {$1300.00} debt that Credence Resource Management , LLC, is attempting to collect, and I requested a copy of a signed contract. Additionally, I explicitly requested that they cease and desist all collection activity, including credit reporting, and delete any and all reporting made to any consumer credit reporting agencies. 

However, Credence Resource Management , LLC, has failed to comply with my very specific legal requests and has instead engaged in the following actions : XXXX. Failure to Provide Verification of Debt : Credence Resource Management , LLC, failed to obtain and send verification of the alleged debt as required by the FDCPA. Instead of providing a SIGNED CONTRACT or agreement signed by all parties involved, as I had requested, they mailed me an XXXX XXXX XXXX bill. This XXXX XXXX  XXXX bill does not contain my full name, and the amounts listed on the bill differ from the disputed account they placed on my credit report. The XXXX XXXX XXXX XXXX provided by Credence Resource Management , LLC, is not a contract or agreement and is nonresponsive to my verification request. This is a violation of the FDCPA, as it is unfair and unconscionable to attempt to collect an alleged debt without providing the requested verification. 

XXXX. Failure to Cease and Desist Collection Activity and Credit Reporting : Credence Resource Management , LLC, also failed to cease and desist all collection activity and credit reporting, as I had expressly requested in my dispute letter. Under the FDCPA, it is considered a false, deceptive, or misleading representation to communicate false credit information to any consumer credit reporting agency. Despite my request, Credence Resource Management , LLC, continued their collection efforts and did not remove the disputed alleged debt from my credit report. 

Furthermore, I am deeply concerned that my personal information was released to a third party without my consent or knowledge, which raises additional privacy and compliance issues. 

Due to Credence Resource Management , LLC 's actions, my family and I have experienced significant stress, frustration, credit damage, and associated costs. They have disregarded the opportunity for an amicable resolution without litigation.
Product: Vehicle loan or lease

Purchased a XXXX from us auto sales in XXXX XXXX then all dealerships completely closed I was advised by dealership I could refinance the vehicle after a year but locations were all shut down. I am paying over XXXX a month for a used XXXX XXXX XXXX and still theyre saying I over XXXX I see they have a lawsuit being so many are going through the same thing. I no longer want the car I just want I am having issues with the vehicle that is also costly..I asked westlake portfolio management if I could pay it off with no interest they said its only taking a XXXX off of the balance with no interest which I am totally confused on that but at this point I just want the car off my credit and to be done with it
Product: Checking or savings account

On XX/XX/XXXX, in response to XXXX advertisement from XXXX XXXX XXXX, I tried opening a checking account that offer {$540.00} bonus, after meeting certain requirements. The bank system did not allow me to open the account, I contacted the Bank and kept trying for almost XXXX XXXX MONTH. A financial institution in AMERICA, had flawed systems that couldn't open a simple checking account. 

On XX/XX/XXXX I received an Email that my application was not approved. Then on XX/XX/XXXX I received an Email from XXXX XXXX XXXX informed me to try again ( for the XXXX time ) to apply for the checking accoung. I applied and was approved, over a month later, i still haven't received the DEBIT CARD. 
The Bank System is FLAWED, it still today XX/XX/XXXX the bank showing my Mailing Address wrong, and my physical address wrong. On XX/XX/XXXX I emailed the bank copies of my Driver 's License and social security card as they requested for account opening. 
THIS Bank should stop advertising until it's systems are fixed. It's so painful especially to see a Bank in the US with Flawed Systems trying to take money from innocent American Citizens. I don't trust this bank to have my hard earned money direct deposited into it.
Product: Debt collection

A " company '' called Midwest Recovery Systems in XXXX XXXX, MO ( XXXX ) XXXX, suddenly posted a collection on my credit report on XX/XX/XXXX. They claim to be representing a company called XXXX  XXXX XXXX XXXX XXXX. This collection says I owe {$930.00} on an account that they claim had its first delinquency in XX/XX/XXXX. This account and claim are both totally fraudulent. This has caused my credit score to go down 47 points from XXXX. I never did any business with this company neither have I ever heard of having any debts with them. I immediately disputed this to the credit bureaus. XXXX  investigated and deleted it in two days. XXXX XXXX report just repeats the info of the false claim and suggest I report this to the CFPB. I am very suspicious of these Midwest Recovery Systems people. I have read many people experiencing this same scam and having their credit damaged in the process. I also tried to report them to the XXXX   only to find out that the XXXX  had revoked Midwest Recovery Systems ' membership as a result of too many complaints exactly like mine. You can still pull up Midwest Recovery Systems on the XXXX  website and see the XXXX  grade, revocation, and complaints on them. I have spoken with the company XXXX  XXXX XXXX  XXXX XXXX notifying them of the issue. They reassured me that I am not in any of their systems and that they are familiar with this kind of fraud. They also said they would be pushing the matter to corporate. The funny thing is XXXX  XXXX XXXX XXXX XXXX sends loan offers in the mail to me almost weekly. Why would a company be offering loans to someone who still owes them money from XXXX? How could Midwest Recovery Systems be trying to collect a debt for a company who says there was never a debt to begin with?
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from credit bureaus
Product: Money transfer, virtual currency, or money service

I sent bitcoin  to this account which they closed out. I have emailed them for my money back. I have emailed them in the past with zero response due to the account. 1000s of  complaints online for this company not replying to their customers. 

Coinbase company Transaction : XXXX StatusCompleted ConfirmationsXXXX Address XXXX XXXX   XXXX DateXX/XX/2018 XXXX I want my currency returned back to me. It is valued at over 4500 $!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Product: Debt collection

I have not received a validation response request for verification of the debt for account number XXXX, you have not sent me proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collector 's validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtor 's credit ) until you properly validate and verify the debt amount. 
THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX and XXXX XXXX pulled my credit without my authorization on XXXX, XXXX, and Transunion and shows up as hard pulls, I didnt request this. Also on XX/XX/year> XXXX XXXX XXXX XXXX pulled my credit without my authorization on XXXX, XXXX, and Transunion and shows up as hard pulls, I didnt request this.
Product: Mortgage

In XXXX of XXXX I received a letter from the bank that issued the mortgage loan in XXXX. The letter stated that funds of {$1400.00} have been held by the original servicing company of the loan Dovenmuehle Mortgage due to over escrow of the loan. The funds have been held by Dovenmuehle since XXXX, they never issued a check or any type of attempted to reimburse me of my funds. The loan was switched to a different servicers after the first year of the mortgage origination, so they have held my money since XXXX. I contacted Dovenmuehle many times after receiving this letter in XXXX of XXXX, in an attempt to recoup my money. I have spoken with many representatives and supervisors and they all acknowledged that they funds are owed to me but no issue of my funds are sent. I will be told that a check will arrive in a week or two by no check ever shows. Or that they are expediting the payment or they will contact me back but they never contact me. I always have to call them and explain the whole situation to a new representative or supervisor. I have spent many hours trying to get this issue resolved but have had no success since starting this in XX/XX/XXXX. I do not know why but they are refusing to give me my money that they have held since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following accounts. Block and remove them. 
XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage is serviced by : PennyMac XXXX. XXXX XXXX XXXX XXXX, CA XXXX I have made on-time monthly payments for the entire term of the loan, including payments for additional equity reduction. PennyMac has incorrectly applied my payments every month, often by applying the additional payment to the following month 's payment ( more than a month before the payment is due ). For the last five months, I have had to call them every month to get them to correct errors in how my payments were applied. PennyMac 's incompetence has hit a new high this week when they sent me a letter stating that my payment was more than 30 days overdue and that my loan was in default. 
I have sent them an e-mail alerting them to their error assuming that will start the reconciliation process. At this time, I do not know if they have reported this false information to credit agencies. 

PennyMac 's practices should be investigated.