23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receive repeated calls from Conns every one to two hours a day concerning my monthly payment. I only get paid on the XXXX and XXXX of the month, and have been carrying the load due to reduced income in my home. I have explained this to them numerous time, and yet they continue with rude and abusive questioning trying to get into my personal business. Stating that " my personal business is there business since I have their product ''. I gave them a definite day as to when I will pay them. Yet they have pushed me as far as having to get into further debt by applying for payday loans to stop their threats and harassment in the past, and I refuse to take out anymore loans. I understand that I have signed an agreement, and I intend to pay then XXXX XXXX for my XX/XX/XXXX payment, and will make my XX/XX/XXXX payment. My circumstances are strenuous, but I intend on making it work. I am currently a few days behind for my XX/XX/XXXX payment, and have stressed to them when I will pay. The harassment has gone too far. I have had it with them, and am filing this complaint.
Product: Mortgage

I am in the process of buying a home and was pre approved for the loan from XXXX XXXX and I also contacted Amerisave Mortgage for a comparison. I decided to go with XXXX XXXX and now XXXX XXXX at Amerisave will not transfer my case number to XXXX XXXX so that they can move forward with the process.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, 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  ( Experian, XXXX ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( XXXX ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( Experian ), Settlement accepted on this account, Paid charge off ( XXXX ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$6900.00} ), Experian ( {$0.00} ), and XXXX ( {$6900.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 











Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off my {$3500.00} debt in settlement for {$2200.00} and they have reported a remaining debt of {$1400.00} and added a random {$160.00} dollars out of nowhere after it has been paid and as a result my credit was illegally tanked because of this I am also receiving emails and calls saying to pay this amount of {$1400.00} after I already settled and its done devastation to my credit once again its with another company called XXXX XXXX  It also shows in the paper that Im uploading that it was updated on XX/XX/year> after settling on XX/XX/year> I also told the omnipoint people to stop calling that it would be paid and they called me XXXX more times after, this is getting ridiculous
Product: Mortgage

My HELOC was sold to XX/XX/XXXXserviced by Shellpoint. My loan is at a fixed interest rate and payments are {$490.00} on or about the XXXX of each month. The loan is current with the last payment made XX/XX/year>. I just received a letter stating on XX/XX/year> my payment is now {$610.00} and could increase based on interest rates. My loan is FIXED. I called and could not reach a representative. After 30 minutes on hold, I was dumped back into the automated system where the message said the office was closed. Business hours were identified as M-F XXXX and Saturday XXXX, no time zone. I called during the XXXX hour pacific time.
Product: Debt collection

I am writing to seek your assistance regarding a concerning issue that has negatively impacted my financial standing and, consequently, my ability to pursue significant life milestones. On [ date ], I received a notification from XXXX Credit Bureau informing me that my credit score had decreased due to an outstanding debt in the amount of {$11000.00} attributed to " Credit Corp Solutions. '' This notification came as a shock to me as I am confident that I do not owe any such debt. 

Upon receiving this notification, I promptly contacted XXXX Credit Bureau to address the issue. They assured me that they would initiate a dispute process on my behalf. Upon further investigation, I discovered that the debt is associated with another individual named XXXX XXXX, and the account type is listed as a debt buyer with an opening date of XX/XX/year>. It is evident that this debt does not belong to me, and I am unclear as to why it is appearing on my credit report. 

As someone who takes great pride in maintaining a responsible financial profile, this unjustified entry on my credit report is deeply concerning, particularly as I am on the verge of embarking on the significant milestone of purchasing a home. All of my existing accounts are in excellent standing, and I have diligently managed my financial obligations. Therefore, it is distressing to encounter such an erroneous and detrimental mark on my credit history. 

This creditor must prove, that this debt is mine. Such as a signed contracted, with a date, address and my signature. 

Needless to say it is not mine and needs to be removed.
Product: Mortgage

We have had to file multiple XXXX  complaints against this company. They will not respond to emails, calls, etc. We have had nothing but issues with them. We have changed insurance companies, and they have mandated that we pay these policies in full, then they decide that they don't have to give the money back to us that we paid out to the insurance company. We have been emailing and speaking with the Compliance Department Director, as well as the letter had information pertaining to another one of their customers ( highlighted areas ) and have been advised that we are not entitled to the money that we have paid out to the insurance company. That it doesn't work that way. They will do a projection going forward of what we should be paying and the difference ( which is about 500.00 lower than premium just paid ) may be sent back to us. That all refunded funds are in the escrow account after they do the analysis. When we call they tell us one thing ( if we can actually get someone on the line ) and then the next time tell us they didn't say that, or something different. It took multiple faxes, and XXXX  complaints just to get information updated for our property taxes. If you look up this company on XXXX  they have a F rating and over 137 complaints for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX Credit Card services several times However I received a some feedback from Experian that is unacceptable ; I have send in appropriate documents since the beginning of XXXX  then I was told to file a complaint with the company myself. So now I am going to follow protocol about this issue. Thats why I disputed the erro with the bureau. Also XXXX XXXX did not have my number nor my mailing address until I started filing dispute about fraudulent items in my credit file.
Product: Checking or savings account

I am victim of identity theft, my information was compromised I turned in many police reports to the branches. I recently had an appointment and a branch employer informed me that my account has been reopened and that my new chase card will come in within XXXX days. After the appointment, the very next day I received a letter and it states that my account has been restricted again and may be closed again.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX XXXX through XXXX on XX/XX/XXXX. Bridgecrest XXXX was the company who financed the vehicle. On XX/XX/XXXX I mailed by certified letter a Conditional Acceptance Letter along with the original contract to either was CEO ( XXXX XXXX ) or CFO ( XXXX XXXX ) of XXXX to XXXX XXXX XXXX XXXX XXXX, AZ XXXX requesting for validation of debt and under assumed name. I then mailed another certified letter along with a copy of 1099B which was received on XX/XX/XXXX by XXXX XXXX, I believe. Bridgecrest kept calling everyday and night for a payment that I still did not get a response of validation of debt from. I spoke with a Bridgecrest and they stated that they received the 1099B, but they do not accept 1099A as payment and still requested a payment since I was behind. I mailed to Bridgecrest CFO ( XXXX XXXX a Notice of Acceptance which was received XXXX that according to HJR 192 of XXXX that debt is prepaid since there is no real money circulating. Bridgecrest mailed back to me a copy of the agreement pointing that I owed the debt, but still validation. I get an email from Bridgecrest about repossession scheduled for XXXX XXXX if no payment was made. I mailed them back by certified letter entailing HJR 192 of XXXX and XXXX. On XX/XX/XXXX, XXXX XXXX repossessed my vehicle. Bridgecrest was asking for me pay the past due of XXXX that I told them I did not have. I asked Bridgecrest about HJR 192 OF XXXX, But a representative stated that the they do not abide by THE HJR 192 of XXXX. They mailed me back a statement saying that the car will be sold sometime after XXXX XXXX if no payment was made. I mailed on XXXX XXXX by certified letter to CFO of Bridgecrest an Affidavit of truth of violations of 15 USC 1662, 15 USC 1635, 15 USC 1605. Also included was an invoice of the violations occurred totaling {$45000.00} according to 15 USC 1692 ( a-e ) with 10 % tax along with the copy of the contract that Bridgecrest mailed me but I marked the violations on the contract. The letter was received XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 failed to invite my claims adequately. They informed me that covering lost funds was impossible and tracking these funds was infeasible. The cfpbs findings indicate the Zelle 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: Credit reporting, credit repair services, or other personal consumer reports

Company refused to remove this from credit bureaus said was filed to late but I filed the second time as soon as XXXX stated they can't find paperwork. This happened once before approximately XXXX ago But stayed on them and finally removed from record
Product: Debt collection

I'm sending you 2 different documents from 2 different companies an i have no idea who they are or the item/s there trying to collect money for when i don't anyone for anything an as far as that goes i haven't used my maiden last name since i got remarried so yeah i don't know these XXXX 's XXXX on top of that i DONT have the money to pay them back I'm NOT rich an I'm NOT making that money any XXXX way!!!!????
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a CFPB complaint on Experian on XX/XX/2022, the complaint number is XXXX. My initial complaint stated that all of my accounts and hard inquiries on my Experian consumer report were placed on there without permissible purpose pursuant to USC151681b ( a ) ( 2 ). I received a letter from Experian about almost a week later stating that certain accounts pertaining to file number # XXXX were already verified in the past by the " XXXX XXXX '' so that they won't do an investigation on those particular items which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I also noticed that when I logged on to my Experian account that they verified 3 additional accounts related to the same file number which was # XXXX. Experian claims to have verified XXXX XXXX  ( XXXX ) on XX/XX/2022. They also claim they validated XXXX XXXX XXXXXXXX that starts with XXXX on XX/XX/2022, and lastly they said that they verified XXXX XXXXXXXX that starts with XXXX on XX/XX/2022. Within a span of 4 days ranging from XX/XX/XXXX through XX/XX/XXXX they claim to have verified the 6 accounts I previously mentioned. According to the 15usc1681i ( 7 ) of the Fair Credit Reporting Act I am entitled to a description of the re-investigation procedure if I request it and they have a 15 days to send it. On XX/XX/2022 Experian received my letter certified mail requesting the description of reinvestigation procedures ( Tracking # XXXX ) and as of today XX/XX/2022 It's been 16 days and i still haven't received a response from them. Since Experian has refused to comply with the FCRA then I would request that the 6 accounts that I mentioned in this complaint be permanently removed from my consumer report immediately. I will attach supporting documentation below which will include the tracking number/original description of reinvestigation procedure request, the original letter experian sent me saying that they refuse to reinvestigation 3 accounts, and pictures from my experian account login claiming that they verified three additional accounts.
Product: Debt collection

I have been violated by XXXX XXXX Bank on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Equifax is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report where I discovered that ( SELF/XXXX XXXX XXXX ) reported what was notated as a ( LATE PAYMENT ) ( Date- type of contract ) on my credit report. In pursuant to title 15 U.S.C. 1666b, No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my consumer report should be based in accordance with my written instructions.
Product: Debt collection

Collection company unifin called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
Product: Credit reporting or other personal consumer reports

Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX CREDIT BUREAU NAME Experian Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. 
Experian, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

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
Product: Mortgage

I was in a foreberance plan with CHASE eff XXXX which was scheduled to end XX/XX/24. The payment plan was reduced from {$2900.00} to {$100.00} during these months. I was told via the forebearance dept by CHASE ( see attached docs ) however the Relationship Manager at XXXX XXXX XXXX XXXX XXXX, that a modification will occur towards the end of the forebearance. All payments for the amount of {$100.00} were made and drafted from bank account - HOWEVER ARE NO LONGER REFLECTED AT CHASE 'S PAYMENT ACTIVITY. 
CHASE LOAN # XXXX My loan was transferred to XXXX XXXX on XXXX HOWEVER THERE WAS NO INFORMATION REGARDNG MY FOREBERANCE PLAN AND REQUEST TO EXIT FOREBEARANCE AND MODIFY LOAN WAS SENT TO XXXX FROM CHASE. 
LOAN # XXXX I believe Chase conducted predatory and nefarious practices, in an attempt to push foreclosure with my home. 
I have all paper correspondence from CHASE regarding my above statements. 
Thank you
Product: Checking or savings account

XXXX BANK DEBIT card cloned and was fraudulent used from XX/XX/XXXX XXXX XX/XX/XXXX. Total of XXXX $ was taken from checking account. Blocked card and reported the fraud on XX/XX/XXXX. Usaa would not help me get refund
Product: Credit card or prepaid card

Hi XXXXXXXX XXXX ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX-30 days late ; XXXX XXXX XXXX days late I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Happy Holidays! 

XXXX
Product: Credit card

Examine the attached documents ; I urge the bureau to begin an investigation into these accounts, falsely reporting me as late despite my timely payments.
Product: Credit card or prepaid card

On XXXX I tried to pay off a balance on my XXXX  with an offer from my Barclays card. There were two offers, one was 3 % and no interest until XX/XX/XXXX and the other was for 4 % and a 17 % immediate interest. My intention was to do the first. I went to make the transfer of XXXX and nothing came up and said the transfer went through. So I did it again, the second time it said the transfer was successful. I went only Barclays card and it now showed two transfers of XXXX and two fees. One for {$170.00} and the other for {$130.00}. I immediately contacted Barclays, the man I spoke to set me to Carnival, because it is a carnival card. I thought this to be strange. Carnival was just as lost as I was. I called Barclays back and got a different person, he listened to me and told me that he would cancel both transfers. He assured me that this would be taken care of in 48hrs. On XX/XX/XXXX, I looked at my online statement to make sure that this was taken care of. I now had a balance of {$9200.00}. Which is the two balance transfers and the fees. Also, my XXXX was not paid off. This amount would have paid off my XXXX card and left a credit of XXXX. I called Barclays and got nowhere with them. They dont want to speak with you and the supervisors are busy. They asked me for my XXXX number, I said I dont want the money transferred, so there Is no need for you to have that. If you dont have that, how can you possibly have billed me. So now I went from a credit card with a {$4400.00} balance to two credit cards, one with a {$4400.00} balance and one with a fraudulent XXXX balance.
Product: Debt collection

I have been harassed daily by a Credit Council , Inc. bill collector, by the name of XXXX XXXX, after making an agreement ( on XX/XX/XXXX ) of how I was to pay a debt for my company. It was initially about {$30000.00} and he brought it up to {$59000.00} for illogical reasons. XXXX XXXX pretended to be a lawyer and told me he would take me to court if I wasn't going to make some sort of agreement with him. So, I paid a lawyer to figure things out. We settled on me making payments of {$1500.00} a month. I have paid a total of {$31000.00}, my latest payment was on XX/XX/XXXX. He has sent me a message threatening to " have a warrant for my arrest '' to scare me into paying him more money. He calls incessantly to my personal phone and office. He insults my staff, uses profanity and gives out my personal information to workers, claiming that I owe him {$50000.00} and he " doesn't know how I am still able to run a business ''. His calls start at XXXX ( before we open the office ) and continue throughout the day, 3 to  7 times in a row. 
I am really hoping you can resolve this issue.