23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have terminated my contract with XXXX on XXXX of XXXX they kept charging my account so I had to dispute it with my bank. XXXX did fail to provide the proper documentation supporting the legitimacy of these charges, so my bank closed the case to my favor blocking further charges from XXXX. 

On XXXX of this year XXXX I was surprised to see on my credit report that on the XXXX of XXXX XXXX they have sent me to collection for the amount of {$370.00}. I have no idea where this amount came from nor have I received any notice about it. 

Hope you can help me sort it out and maybe get this off my credit report since it did impact it significantly. 

Thank you so much and have a wonderful day
Product: Credit reporting or other personal consumer reports

Non Mailable Address- 1974 Privacy Act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bank with XXXX and use online banking and their credit reporting page to monitor my credit. I received two alerts through XXXX about credit inquiries that happened on XX/XX/2023. 
The inquiries came from : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Services '' I called XXXX and opened up a complaint through them letting them know I did not recognize these and had not tried to open any new lines of credit. 
They were able to shut down the XXXX card services one since that was with XXXX, but they advised me to call XXXX to start the complaint process for the other. 
I called XXXX on XXXX, and they have started a complaint for me to delete the other inquiry. They put an alert on the three credit bureaus as well. I intend to upload this complaint to the XXXX site, and call Synchrony to dispute the XXXX XXXX XXXX XXXX and make sure that there is no account open with them.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud. I have contacted Experian, XXXX, and XXXX numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to XXXX, XXXX, and Experian. Experian need to remove fraud accounts. The 6 frauds accounts are : - XXXXXXXX XXXX XXXXXXXX {$280.00}. Account XXXX XXXX XXXX XXXX : {$5500.00} Account XXXX which is a fraud business account. I'm not a business. 
XXXX XXXX XXXXXXXX XXXX {$21000.00} Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$220.00} Account Number : XXXX XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON XXXX ONLY. 
XXXX XXXX XXXX : XXXX {$23000.00} Account XXXX : XXXX. I been a victim of fraud since XXXX. I have been disputing fraud accounts. I have attached my theft report.
Product: Checking or savings account

I was a customer of Bank of America for a long time but am tired of the XXXX XXXX  XXXX I always end up dealing with, so I closed my last remaining account on XX/XX/20. The account had a negative balance of about {$170.00} so I made a trip to a local branch and made a CASH deposit with the help of a banker to make sure everything was handled, that all debts were settled, and that all my XXXX ties could be severed. LO AND BEHOLD less than 2 days later I get a message saying my rent payment of {$1400.00} was rejected and from what I can tell it's because I had a balance of {$1400.00} in the bank. SO it was rejected because of a {$.00} difference because some XXXX  XXXX can not count and now they want me to pay a penalty of about {$150.00} because my rent payment was returned.
Product: Mortgage

From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor XXXX. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX member is serving his country XXXX and I have to tell him this disappointing news.
Product: Debt collection

This company is trying g to collect a debt that I do not owe. They have purchased this account from another debt collector. Attached is a letter from the last collection company that was trying to collect a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX AUTO XXXX
Product: Checking or savings account

The co-signer on the account, XXXX had started a fraudulent application and realized it a little late. During the investigation we were told over and over to hold on to the gift cards that he had bought, and that you know everything was was going well. There are even calls he made that the agent said they are used to seeing this type of fraud. We received a letter stating that the fraud department needed additional information. On XX/XX/XXXX, XXXX called to find out exactly what to send. The agent he spoke to said there was nothing that needed to be sent, the temporary credits were now permanent and our case was closed. A few days later we received a letter stating that they had not received the information they asked for and they would be charging back the temporary credits of {$700.00} and {$750.00}. I called constantly to get this resolved. Not only had we not done anything wrong, but we received misinformation on XX/XX/XXXX stating the case was closed in our favor. I called incessantly because I knew my paycheck was going to deposit soon. The last representative of the office of the XXXX said that it was not fraud, but scam. This was the first time we had heard this term in the entire investigation. And the reason for the closure per the letter, was that they hadn't received the info they needed. We did call to say we had the information, what to do? Again misinformation was provided and the agent told XXXX to upload it right away and we they'd be able to look at it and see it, and resolve the issue. I am really surprised at the service of USAA. At no time where we give it any indication that we were going to have an issue. We still have {$750.00} worth of gift cards in our possession. The other XXXX was pulled out without authorization. Several issues have been caused because of this. I'm at my wits end. I just got paid, and I can not pay any bills, including my mortgage which I had to create a payment plan for. This issue has caused so much damage all the way around. Please look into this, again we did nothing wrong, but if we had we were given misinformation on XX/XX/XXXX and this issue should be resolved in my favor. This is absolutely ridiculous. I need help.
Product: Money transfer, virtual currency, or money service

I am writing to formally discuss my concerns with Zelle money transfers and dealing with my disputes in light of the CFPB lawsuit. The failed to assist when i tried to dispute a complaint of funds sent incorrectly
Product: Mortgage

Ocwen Financial Corporation agreed to put my mortgage in forbearance under the CARES Act until XX/XX/2020. 

Recently I noticed that my credit score had decreased dramatically and I see that my mortgage company has reported my forbearance as delinquent! I have approached them twice on the phone to sort this out but my credit rating is still lower than it should be. 

I am wondering if this is actually a 'mistake ' as they suggest or a more widespread pattern of embarrassment? 

I was just about to be able to refinance for a lower rate thanks to the recent changes in the rules but this has set me back from a good credit rating to only fair. 

I would really appreciate any help you can give me in expediting the process of removing the delinquent category from my credit rating, it is simply not true!
Product: Money transfer, virtual currency, or money service

I opened account with them since this is the account out extended family uses in XXXX. We are buying a house and need to pay the note and my husband 's sister sent us money to help us which i was trying to use to put it in my wife 's account. The check was deposited and then withdrawn from my wife 's account.I thought we made a mistake and decided to use the city bank to make a credit card payment and not use it for critical payment for the note of buying the house, that was payment was cancelled.I called few times. The folks i talked to said it looks like a fraud and you can not use your money. it is only few days since you recd the money. i was very unhappy and talked to few people. i felt very harassed. I am doing nothing wrong. We are trying to pay for the house that we are buying so i wanted to make sure this gets reported and i know what was the outcome of the system. They said they think it is fraud and they closing the account and sent money back to the sender. THIS IS UNACCEPTABLE to a common man. I wanted to put a review for future folks but i will file a complaint to make sure they get penalized for disrespecting and XXXX us where we told 'you can not use this money '. We are hard working people and someone tell us i can not use my money, it is not okay. please let me know how can i help to ensure this issue is resolved and does not occur again. If you have any questions please let me know. I am so harrassed and it is affecting everything in our lives since this money is stuck and we are holding up all the bills and not sure how we are going to make our home payment that is coming up due in few weeks. Please give these guys sever punishment and block them from providing this service to customers. 
Complaint number : XXXX was the originial complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America closed my checking account and my debit card without notifying me. They did not send me any communication prior to closure and closed my account on the basis of my wife 's nationality. I have a shared account with my wife, and according to BOA representative on the phone they closed my account " because they needed some information and documents '' relating to my wife 's nationality and therefore they decided to close her checking account and mine! They did not call me to ask for " information and documents '', did not email me, sent me no letter through mail and just decided to close both my checking account and my wife 's checking account. 

This is targeting individuals based on their nationality and treating them unfairly. This is discrimination based on national origin. We do not deserve to receive a warning letter/email/phone call because we are of XXXX  origin. And now we will not have access to our funds in the checking account for 10 days until they send checks to our address. I asked the representative if we can at least walk in to a BOA branch and receive the checks today in person, and the answer was no, we will have to wait 10 days for the checks to be " approved '' and " processed ''. They want to " approve '' whether they should give me my money or not!
Product: Credit reporting or other personal consumer reports

I am concerned how information is being reported on my credit by Chase. I tried calling them to notify them but I was just given the run arounds on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Experian is reporting 3 hard Inquires that are not correct. I did not authorize these. They need to be deleted immediately they are identity theft. I have filed a Police Report and Affidavit and more inquires have been added to my reports. Please delete and update immediately. 
Enclosed is my Police Report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have these on my credit report reporting on my collections. I have two exact same amount from XXXX  and FRANKLIN COLLECTION SERV. I never got anything in the mail or was contacted about this. I am not sure how old this is or if it even belong to me.
Product: Debt collection

What about a car from a dealership called XXXXXXXX XXXX XXXX couple months later my car broke down and I tried to call him to make a exchange or have a result of the situation I even went to the dealership and he was not responsive from a call and also his company of his building moved or been shut down of whatever possible situation and the federal bureau that I try to call from sensible auto unfortunately they couldn't find XXXX XXXX don't know if he vanished or something happened XXXX forbid or he did some scam act and maybe put myself in debt even more in the whole and I try to explain to them try to talk to them to sensitive way but it was not trying to understand or care so that's the reason why I stopped paying because it broke down while I was trying to seek for help and trying to get it fixed and paying my car note and I feel like everything from what XXXX XXXX have done was emotional damage and I am seeking for help I am asking for law of and code 1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt. The listed exceptions are the consumer, his attorney, a consumer reporting agency if otherwise permitted by law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXX Collection Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

For a long time now, I've been trying to purchase a home. I've been monitoring my credit scores frequently. My fico score shown on the Experian website was near XXXX. I decided to give Experian XXXX a try and accidentally added my husband 's information. I immediately disputed it as I had thought I was signing on to my information. Today XX/XX/2022, I notice that the score went down around XXXX points. I decided to give Experian a call as they are the ones who reported and the system shows me several reasons as to why it might go down. One of the major changes it found was that my available credit was XXXX and went down to XXXX. Shown on my credit cards, my limit doesn't pass XXXX. This means that the system is remembering my husband 's information and using it to calculate my score. 

I spoke to someone by the name of XXXX. XXXX was helpful at trying to offer me vague explanation as to why it can go down. Not giving me specific information pertaining to my credit. After him being unhelpful, I asked him to give me his last name and he says " I don't have a last name, you need the dispute department ''. I informed him that I don't need to dispute anything as I haven't done anything to my credit for it to go down. I havent purchase, I havent paid anything, and I havent had anyone look into my credit. I wasn't asking for them to give me a XXXX point lift. I just wanted an explanation of what happened and if not to please review. According to XXXX, their system is automated and can not accept changes. 

After him transfering my call, I speak to Manager XXXX who instead of trying to help, decided to play a blame game and put the fault on me for adding my husband 's information. She said that I didnt read when i signed up. she asked if i had any other questions. I asked if she could tell me what the FCRA was and she told me to contact a lawyer. These people are supposed to confirm information before they add to a credit report. This doesnt happen.
Product: Debt collection

Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX, XXXX Subject : Dispute of Fraudulent Collection Account Request for Validation Dear Jefferson Capital Systems LLC , I am writing to formally dispute a collection account that has been reported on my credit file under my social security number. I have recently reviewed my credit report and discovered this debt, which I believe to be fraudulent. I have never opened or authorized an account with Jefferson Capital Systems LLC, and I have no knowledge of this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full validation of this debt, including but not limited to : 1. Documentation proving that I agreed to and am responsible for this debt.

2. A complete payment history and original contract with my signature.

3. Any supporting evidence that verifies the legitimacy of this debt.

If you can not provide proper validation of this debt within 30 days, I request that you remove this collection from my credit report and cease all collection activities immediately. Additionally, if this account is found to be fraudulent, I request that you report the deletion of this account to all credit reporting agencies. 

Please respond to this dispute in writing. If this account is fraudulent, I have to filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Student loan

This began as a hunt for information, and after over a month of being provided with information that was different from what I requested, I found out that there is no record of the information about my account that I am requesting. 

My subsidized loans were in deferment from the time my grace period ended until XX/XX/2016. They were then supposed to reenter deferment on XX/XX/2016, as I returned to school. The deferment did not begin until sometime in XX/XX/XXXX, and in that time I was still paying interest on my loan payments. I had no idea how much interest was actually on the account, because my bills only showed " outstanding interest '', which was VERY different each month. 

Fast forward to two weeks before my loans came out of deferment, and I paid over {$15.00} in interest on an early payment I made. I requested that the interest be applied to principal because there should n't be any interest to pay ; they told me I owed interest. My loan came out of deferment, and over {$15.00} ( 'outstanding interest '' ) was capitalized. Based on my records, I paid more than the total amount of money I should have owed in interest in total in the two weeks leading up to my loan coming out of deferment. I requested specific details about all interest ever on my account ; they showed me principal and outstanding interest only. I requested this information again, being more clear than before that I needed to know all INTEREST. They gave me the exact same document as before, this time only with more recent dates. 

I finally just asked to see how much interest was on my account when it went into deferment. Apparently, they do n't actually know. 

I 've never heard of such poor record keeping or transparency with someone 's money in my life. 

Based on the calculations I 've tried to make, with the help of my mother, who is an accountant, very little of what I have paid has made any sense. The interest is especially unclear. But thy continue to avoid providing me with the necessary information to figure out what my account balance should actually be, and today informed me that they do n't actually have a record of how much interest I was supposed to owe.
Product: Debt collection

I just found out that Unifund XXXX XXXX  wiped out my XXXX XXXX account credit union account I can never use again for a credit card debt I was supposed to have 20 years ago. They took XXXX out of savings and XXXX out of checking. They said I had a judgement on XXXX but I had stopped paying on XXXX. I know nothing about this account. I may have had a card being paid and it said they were no longer taking payments for that account. It was 20 years ago and I have no clear memory about this account. 
number for unifund  is XXXX. I can't get a job. I have had to care take for my invalid mother.
Product: Credit reporting or other personal consumer reports

reach out to the company to send proof of application to of sign signature
Product: Debt collection

As of today XX/XX/year> a debt collector known as Waterfall Revenue Group XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX in the amount of {$1200.00} is on my credit report pertaining to what appears to be a medical bill. I wish to receive information on what the services were and to verify that the services were actually done for me under a request for methods of verification. Furthermore, under HIPAA law, any medical information can not be given out to anybody. This includes a third party in attempt to report or collect a debt.