23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for a payday loan. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to Midwest recovery and letters sent out to Midwest recovery, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine. I also sent a letter to all three credit bureaus regarding this matter, and have yet to receive documentation proving that this debt is indeed mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED CAPITOL 1 CREDIT SERVICES IN REGARDS TO REDUCING OR REMOVING HIGH INTEREST RATE COST DUE TO DELAYS IN WORK DURING COVID AND REDUCTION OF INCOME. THEY DENIED ASSISTANCE WITH MY REQUEST WHICH HAS CAUSED DELAYS AND LATE CHARGES BEEING ADDED. DUE TO INCREASES MY MONTLY PAYMENTS ARE EXTREMLY HIGH AND MOSTLY GOING TWARDS INTEREST AND NOT THE PAYMENT.
Product: Credit card

I went to XXXX XXXX XXXX in XXXX XXXX, NJ at XX/XX/XXXX. I used Apple Pay. I was charged XXXX, with XXXX being credit transaction fee. The charged showed up on my Apple card statement, so I have cleared the transaction. On XX/XX/XXXX, I was informed by XXXX XXXX XXXX that they only received XXXX XXXX  out of the XXXX XXXX Further I am being charged in their forthcoming bill. I contacted Apple and they said I was only disputing XXXX XXXX  instead of XXXX XXXX After escalating to their advisor, they claim this was a mistake and I really paid XXXX XXXX But this does not explain where the XXXX XXXX  in dispute coming from. No one contacted me afterwards to clarify. Now I am facing a XXXX XXXX  unpaid bill. I tried to contact XXXX XXXX XXXX but I was told that the billing department was short ( of people ). 

I think I need some help from you to resolve this. I already submitted my proof of payment to XXXX XXXX XXXX and Apple, but no response so far.
Product: Credit reporting or other personal consumer reports

XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with XXXX on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, Equifax and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus
Product: Debt collection

I hired XXXX XXXX in XXXX, and there was a collect from National Recovery Agency for a medical debt from XXXX for XXXX. I was able to get it deleted in XX/XX/XXXX. I was never notified from the credit bureaus within 5 days, or the collection agency that the exact same collection agency put it back on my XXXX credit report yesterday on XX/XX/XXXX. With a date opened XX/XX/XXXX!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially avaiable funds. I believe these practises are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

JC Penney Continue to report negative Derogatory remarks on my credit report in the amount of {$2700.00}. 15 US Code 1679c - XXXX XXXX is reporting account closed - profit and loss. they have received the tax credit for this account and should remove this from my report. 

XXXX XXXX - Ask for a consumer - good faith and remove the negative reporting as it was paid as agreed. 

Hard Inquiry XXXX XXXX XXXX XXXX - Never got a loan and need to have this removed per FDCPA XXXX XXXX  inquiry - Need to have this removed as I never received a product from them and per FDCPA it should be removed
Product: Mortgage

I live in XXXX XXXX XXXX, Florida. My property taxes are due in XXXX with a discount. Each month not paid the tax bill increases. My taxes were not paid by my Lender. I 've been with them for the last couple of years. They have it documented that the taxes should be paid from my escrow account in XXXX. I '' ve been calling, emailing, and faxing for the last 10 days with no luck. 
I 'm trying to do an FHA Streamline and this is causing me grief with my closing. My Taxes are DUE And Payable in XXXX. I ca n't get an answer out of anyone at my lender why the taxes are not being paid. As of today, since they are late, I have lost {$33.00} for the XXXX Discount. If not Paid in XXXX, another {$33.00} will be accrued to the payment. And so forth. I do n't understand what the problem is? And if the lender has done this with others, I want this investigated, is there a Solvency problem with our Escrow Accounts??
Product: Credit card

I purchased two items from XXXX. The funds were returned to my debit card XX/XX/2023, XXXX Although the debit card and 5/3rd account that was attached to the card had been closed, the return transaction was processed successfully on XXXX end. Order number, and return purchase transaction numbers are verified via email sent from XXXX. On XX/XX/2023 I was told by 5/3rd bank representative that I would receive a cashiers check, due to the fact my account, and card were no longer active. I received one check, in reference to the return transaction XX/XX/2023 ( the second transaction ), but never received the check for the first return transaction. I called 5/3rd bank and was told there was no such return, told I couldnt have been told no such thing because my account has been closed, and to check back with XXXX for a resolution. After checking with XXXX, I was sent an email verifying that the transaction had indeed been processed successfully. I called 5/3rd back with the valid information and was told lie, after lie after lie, put on hold time after time, transferred to different representatives posing as supervisors, told I would be contacted about the matter. I havent heard anything, and I have not received my money and I can not find an honest representative.
Product: Debt collection

XXXX XXXX used my XXXX contact list to repeatedly call and leave messages for acquaintances, friends/family, ect. I thought it was illegal to use harassment and humiliation tactics for debt collection? It is illegal to repeatedly contact anyone other than me about my debt!!!!! XXXX XXXX what happens when your companys tactics send someone over the edge? I appalled that XXXX has allowed my student loans to be handled by a company that is using illegal practices, including harassment, to collect a student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union want give me any information. When I told them that the information is not accurate they told me they get there information from a 3rd party
Product: Credit reporting, credit repair services, or other personal consumer reports

reason- I contacted Experian on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Experian sent me back a dispute result where they claimed to have verified in which Experian has not furnished any documentation whatsoever which means they are reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account listed within my credit reporting file and requested copies of all documentation obtained in the process of verifying that a debt should be on my credit report to ensure they are performing a legal investigation into the validity of the debt as required by federal law to ensure only 100 % accurate information is being reported. I am not familiar with the company and have not done business with the company reporting the debt to the credit reporting bureau, however, I only got a notice the debt was supposedly verified and that it would remain on my credit report. 

The business reporting the incorrect information XXXX XXXX XXXX XXXXXXXX XXXX  to the Credit Reporting Bureau ( Experian ) will not provide any documentation that they performed a legal investigation into my dispute, as I did not do business with anyone listed on this account, I requested a copy of any signed documentation ( from both Experian and XXXX. XXXX, XXXX ) that was supposedly signed by me authorizing the original account be opened in my name and with my social security number, neither company has mailed me or emailed me any signed documentation of my authorizing any account in my name or social security number. 

This information is not correct, and I am unable to get it cleared from my credit report. 
Federal Law requires only 100 % accurate information be reported in a person 's credit reporting file and Experian is failing to follow the guidelines set forth by the Federal Government and the reporting business is failing to provide any signed documentation that the account was authorized by me, I would like to see a signature so it can be compared to my lifetime of signatures by a specialist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called tower loan on XX/XX/XXXX after I pulled my credit report from XXXX and then I called XXXX to find out what was going on why was I showing different things on my report they went one by one of the accounts I had on my credit when they got to tower loan it was 60 days past due and the amount is different every time I make a payment I told the manager its easier to pay on the phone because they are so far I had fell onto hard times and ask to work with me and the manager done a deferral agreement that he told me will put things back on track I have been doing my best paying what I can on the account I call and let them know when Im pay and do my best to keep my word I told the manager what XXXX told me about my credit he told me he never been told they dont report as I was at home my report changed again went down XXXX because of this company I been going through it with tower loan they been doing this to people for years I already reported them to the XXXX nothing was done please investigate this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the late payments How is this possible when the data furnished should be the same and each bureau reports something different? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this. Stop reporting this incorrect information on my credit report. You can reference complaint XXXX for my initial dispute. Please remove the late payments and update this account.
Product: Debt collection

Starting in XXXX of 2024 received phone calls every day from a random number that would leave a voicemail stating whats called the XXXX XXXX but no further information. I work weird hours so I was able to contact the collection agency and ask who it was for and they said me which had me shocked because I didnt receive any mail regarding it. The account was underneath my maiden name at Hollis Cobb Associates I made a phone call on XX/XX/year> and I spoke with XXXX? Around XXXX pm eastern time, requesting to validate the debt because I never received anything in the mail. She said she could email it the next day, took my email and said to check it over the next 3 days. Checked my email for XXXX weeks and didnt receive anything, so I figured they would mail out a copy instead as that is my right. 

After waiting another week I followed up on XX/XX/year> and spoke with XXXX at around XXXX XXXX time and she said that she couldnt request another to be mailed or emailed because the account was supposedly closed and I already received the first one.

I explained to her that I didnt, that Ive checked my email and mail throughly and nothing was received. She supposedly has to get it approved from her manager to request another validation notice and when I asked for a physical copy instead she said no because its already been sent out it goes via email. She supposedly sent one again and Ive checked my email and still nothing. 

I just want a breakdown of the amount instead of paying a random number with no details.
Product: Checking or savings account

on XX/XX/XXXX a check was deposited with Bank of America into our primary checking account We are XXXX and this is a regular deposit of quarterly distribution from a company we are partners in. The partnership, and the business checking account with XXXX XXXX XXXX used to make the distribution has been the same for years. The distribution check has been deposited into our same checking account. 
On this occasion the deposit was made via an ATM. This is usual. The deposit slip said there was a hold on the funds until XX/XX/XXXX because " check specific information indicates it may be returned ''. If I had known this I would have held to deposit until it was cleared up, but of course I could not take to check back from the machine before. 
XXXX XXXX XXXX  provided me with a copy of my endorsed check, processed and paid on XX/XX/XXXX and returned to the business account from which it issued. 
Bank of America will not consider releasing the funds before XX/XX/XXXX because " XXXX XXXX has until XX/XX/XXXX to withdraw the funds. I do not believe this is correct. Even if the business check was a fraud, I believe XXXX XXXX XXXX would have only 24 hours to withdrawn the funds then would have to honor the check. 
The funds in our account on before the deposit are exhausted, we are incurring overdrafts and are exhausting cash for groceries, etc. is there any remedy for the overdraft charges? why doesn't Bank of America have to give an account of the funds and release them if they have been remitted as XXXX XXXX documents they have been? 
I can text phone photos of the deposit slip, copy of check endorsed, and returned to XXXX XXXX XXXX after payment, and XXXX XXXX XXXX document showing funds were disbursed.
Product: Credit reporting or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Debt collection

as i stated in other complaints someone has used my identity to open this account and i never received any communication from this company and yet they continue to assert that they have had communication with me in the past in response to a previous complaint ... and they havnt someone stole my identity and these people continue to make it difficult to get this cleared up i am in the process of making all of the necessary complaints with other agencies that regulate/license debt collection to see if i can get some help getting this figured out and giving this information to other govt agencies to investigate
Product: Credit reporting or other personal consumer reports

This is the multiple times I've mentioned being a victim of identity theft. You must remove/block any inquiries that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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: Credit reporting

I filed a dispute in 2013 against the collection agency known as XXXX, account number XXXX Phone number XXXX with XXXX sometime in 2013. Transunion failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.
Product: Debt collection

I have submitted 3 separate disputes via Consumer Financial Protection Bureau against Transworld Systems # XXXX # XXXX # XXXX. 
I believe your company has violated several of my consumer rights Specifically you : Failed to validate a debt at my requestFDCPA violation Continued to report a disputed debt to the CRAFCRA violation Continued to attempt to collect a disputed debtFDCPA violation Ignored my cease and desistFDCPA violation Not only have you ignored my prior requests for validation of debt but also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature License proof to collect debts in my state As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summons to court or take action against you. 

I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 
I may seek damages from you if warranted. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts on my credit report that have been deleted more than once and readded more than a year later. I have added proof of these accounts being deleted. these accounts are not mines as well or was due to fraud. 
I have these seven accounts that needs to be deleted again. 

1. XXXX XXXX XXXX XXXX {$4100.00} 2. XXXX {$10000.00} 3. XXXX {$7600.00} 4.  XXXX XXXX {$1300.00} 5. XXXX. XXXX {$1000.00} 6. XXXX XXXX XXXX {$3100.00} 7.  XXXX {$1400.00}
Product: Debt collection

In 2013, I applied for a payday loan from a fraudulent company that is presumably based overseas. I applied for a loan of XXXX dollars and never received the money. I canceled my application and was then harassed by the fraudsters that ran the company. They called me nonstop for a month straight, threatened my life, tried to extort me. Last week I received a phone call from Crestwood Management a scam law firm that represents this " payday loan '' company. I talked to a woman over the phone named XXXX. She told me that I am XXXX in debt, for the loan I never received in the first place. And applied for almost 9 years ago. Apparently, I will receive a summons in the mail tomorrow, I was notified of this via text from phone number XXXX. I was told to call XXXX if I needed more info. I called and they tried to set me up on a payment plan of XXXX dollars for 10 months for this loan which I never received. 

I am also notifying the XXXX XXXX XXXX and the local authorities of this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Equifax credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and  XXXX   XXXX   XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
Product: Consumer Loan

I have a vehicle loan through BMW Financial Services. I was thirty days late for the XXXX XXXX, 2015 payment. XXXX of my credit reports state they the XXXX late was XXXX 2015 and the other says XXXX 2015. I have disputed this with the bureaus and BMW responded that they were reporting correctly and they are not. I have attempted to resolve this through contacting BMW on multiple occasions and I continue to get different answers. I am requesting assistance to have the credit reports report correctly as showing the payment was XXXX days late for XXXX 2015. I have attached a letter from BMW that I received stating the XXXX payment was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX, PA XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/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