23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I paid Continental Finance Company the balance owed on my account of {$1100.00} plus a fee of {$5.00}. The account was in collections but I was able to pay it off. A few weeks later, I received a collection letter from XXXX stating I owed {$1100.00}. I called XXXX and was assured this was a timing issue and not to worry about the collection effort. I received no more collection letters until XX/XX/XXXX. It was from the same company, for the same account and the same amount. I admit I had not looked at my credit report in some time but went to check it at that time to see that for the last 12 months ( now XXXX months ) I had a derogatory mark for collections on my report. I contacted XXXX XXXX separate times about this issue. I was told a letter showing I had paid the account on XX/XX/XXXX would be sent to me to forward to the collection company and resolve the issue. I never received this letter. I filed a negative review on the XXXX XXXX  website against XXXX and their " XXXX XXXX XXXX '' contacted me about the issue, saying they had recalled the debt from XXXX. I waited XXXX  days and contacted XXXX collections and they said this was not true. I have since filed a XXXX complaint with no response as of yet. My credit has had a derogatory mark on it for XXXX months and I have been unable to get XXXX to fix the issue and I want the derogatory remark removed from my credit report. I've attached the email I received from XXXX as well as bank statement showing I paid them in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the beginning of XX/XX/XXXXEquifax reported ( a month after the fact ) that user information and data was stolen. This is unfathomable and puts all of us at risk for Identity Theft.
Product: Debt collection

On XX/XX/XXXX, I informed XXXX of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

If there is any name in your system that does not match the first and last names listed on this letter, it is imperative that you remove it. My only name is XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Please make sure you remove any address in your system which does not match the address listed on this complaint
Product: Credit card or prepaid card

I filed a complaint with Consumer Financial Protection Bureau on XX/XX/2021. I gave as much information as i could in the complaint and requested Chase Bank to call me to discuss the details. I couldn't enter over 8 hours of phone calls, almost 20 people, multiple people in " management, supervisor and Executive '' level but no help. So i filed the complaint. As promised the CFPB sent the complaint to JP Morgan Chase Executive dept and they did indeed respond by phone within 5 days. However i was in XXXX on vacation and asked XXXX at XXXX Ext XXXX to call me the following Monday, XX/XX/XXXX to discuss the details. I informed him that it was so messed up and so many problems that i didn't want to ruin my vacation discussing the disregard JP Morgan Chase has for it's customers. I asked that he look into the details and we would discuss them. XX/XX/XXXX came and went and no call. I called and left 3 voice mails over the next 2 days and confirmed he was in the office but he decided not to respond. So he did no uphold our agreement for a resolution. I then got an email from CFPB stating that my original complaint was closed since JP Morgan Chase responded. That response had NOTHING to do with my complaint. Just because they replay to an irrelevant point, that does not close the complaint, but to JPMC it did. So now i'm forced to start all over with yet another complaint in combination with the original that i did NOT receive an adequate response.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Want to file a complaint against all the credit bureaus for their unfair consumer practices of Credit Age and Hard Inquiries. The credit bureaus fail consistently to accurately display consumers ' credit age. Many people have had credit for years but the bureaus seem to only include newer accounts or only open accounts which ultimately brings the Age of Credit down and if this is considered a Medium Impact on credit then the bureaus are unfairly and unjustly affecting every person 's credit negatively. The Age of Credit should be how long a consumer has had credit, not some arbitrary number of years that the bureaus decide on nor should it only contain open credit.

Likewise, the credit bureaus have unfairly and unjustly affected every consumer 's credit for years by retaining the quote " Hard Inquiries '' for more than a year. If this is as the bureaus say a Low Impact item why does it seem that every lending organization denies credit to people because they have " too many hard inquiries ''? Credit reports should not have any hard inquiry on it that is more than 1 year old. What is the point of keeping an inquiry there for more than a year? Should an inquiry actually be a good thing for a consumer, it means that the consumer is looking to spend money or obtain a loan for a large purchase. Why should this negatively impact anything? 
The credit bureaus have been lying and misjudging consumers for years and this needs to STOP! One would wonder if those XXXX XXXX US citizens who are credit-invisible are not much better off than the rest of the consumers. At least those XXXX XXXX consumers are not unfairly and unjustly judged by XXXX bureaus that arbitrarily judge consumers. 
The credit bureaus state that Payment History, Derogatory Marks, and Credit Card Use are all High Impact items. If this is the case and a consumer has very Excellent marks for Payment History and Derogatory marks and Fair marks for Credit Card use ( using myself as an example ) then why does it seem that the Excellent marks are not taken into account but the Fair for Credit Card Use and the Needs Work for the bureaus quoted Credit Age of 4 years and 10 months seem to outweigh any other information on each report. Credit Age of 4 years and 10 months, is an insult by the bureaus! In fact I have had a mortgage for the past XXXX years in XXXX different states in this country, I have had car loans for the better part of 20 years consistently, but the credit bureaus do not seem to want to accurately report information that would actually help consumers like myself and many other consumers. The credit bureaus need a complete overhaul and their practices on credit reporting need to be investigated! 
If this is not the right organization to bring this inquiry to please let me know where or whom is the best to discuss this with. If I need to speak with Congress and Senate I am willing to do that as well. I feel the Credit Bureaus need to be investigated and overhauled in order to protect US consumers and provide fair and accurate credit reports.
Product: Credit reporting or other personal consumer reports

I placed a dispute to transunion stating the information on my credit report was incorrect, they did not do a thorough investigation and sent the information back as verified, the accounts in question one account is not my account, and the other account has never been late due to documents disclosed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXXDOFED Company Inquiries : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX agency balance of what they were sueing us for they report we still owe {$460.00}, after giving us credit for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to no avail. This is still being reported on our credit files erroneously since XXXX. I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I had addresses which didn't belong to me prior to XXXX. Experian removed them as of prior to XX/XX/XXXX they were removed. XX/XX/XXXX report they were still non existent on my report. 
As of XX/XX/XXXX a XXXX XXXX XXXX to my report since then my current report shows over XXXX addresses which were removed. 
Experian has been non responsive to requests : 1. Why are they on my report with NO NOTIFICATIONS TO ME?

2. I DO NOT WANT INCORRECT OR OUTSATED INFORMATION ON MY REPORT 3. A collection account I have disputed for NEVER ORDERING RENTAL INSURANCE FROM XXXX XXXX  BY XXXX XXXX has been disputed as FRAUD AND NEVER REMOVED, NEVER GOT ANY LETTER FROM XXXX AND NEVER RECEIVED A VALIDATION OF DEBT REGARDING THE {$260.00}. Non of the bureaus validated or removed this from my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of idntity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I lost my cellphone was stole from a public bathroom. I notified the banks because they could have access to all the apps with access to my accounts. I also called pay pal and let them know of the situacin because there was unauthorized transactions and they still do not allow me to close the account. I provided the case number provided by the XXXX XXXX XXXX ( XXXX ) and let them know that I also dud a report with the FBI. The persn opened an account using my data but never received the card because they changed my address. They want me to be responsable when I let them know about the issue and they didnt closed the account as they asked. I have the following transactions XXXX XXXX {$150.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXX XXXX {$4.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 In addition, here is a debit card I didnt solicit ending in XXXX from Paypal. 

No matter I even I sent email explaining the situation they keep responding in favor of merchant. 

I need pay Pal to close the account and make XXXX XXXX responsable because he is the one who stole the phone ( i confirmed his identity ). 
ACCOUNT : XXXX Thank you!
Product: Debt collection

Dear CFPB, I'm writing to dispute National Credit Adjusters LLC 's unlawful collection

practices and request an investigation into their violations of federal law.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : No validation information provided.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : No opportunity to dispute account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Furnished information without required disclosures.

4. 12 CFR 1006.34 ( d ) : False, misleading and deceptive practices.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke National Credit Adjusters LLC 's rights to communicate with me through : Phone calls Text messages Mail Email
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Credit reporting or other personal consumer reports

XXXX XXXX, is reporting adverse and negative information on my credit. The accounts they are reporting are not mine.
Product: Mortgage

After successfully working with the bank to modify my mortgage, the institution came back with a payment plan that included an initial {$64000.00} dollar payment in order to qualify. The reason for this astronomical payment -according to the bank- is that the investor is not willing to work with the bank to offer the help I should because my mortgage is an XXXX loan.
Product: Credit reporting or other personal consumer reports

My account was originally with the department of education. It was moved to XXXX when the pandemic hit. It was then transferred back to the department of education. I paid the balance in full to department of education. The department of education sent me a letter stating that my account is closed and paid. They reported that information to the credit bureaus. XXXX turned around and reported that it was open. I called them and asked them to report it to all credit bureaus as closed. They said they did and that was a lie. Please help me to get them to report that my account is paid in full and ask them to notify the credit bureaus. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Credit card or prepaid card

Theyre not allowing me to connect a third party service assisting in reducing debt.
Product: Debt collection

I have sent in a request to this unknown company to cease and desist all scam and harassing phone calls. I have been receiving phone early in the morning up to XXXX am and XXXX pm. I have ask them to take me off the their don't call list. This issue continued for well over 6 months. I spoke with a gentlemen back in XXXX to please take me off their call and that I don't owe any debt to their company. The gentleman continue to talk about bracelet, or earrings etc. I became so disgusted that I asked the man to please take me off your call list and don't contact me anymore. 
Two days later I received another phone call, and this man asking for all my personal information. I explained that don't give out my information and please cease and desist from calling me sir. XXXX I go thru my credit report to make sure everything is looking good. I see this same company 's name on my credit report alleging that I owe them XXXX. Then I get another phone call : " I explained to the lady to tell the company to take me off their call list, and I don't owe no debt to that company. I started asking her about relevant information : Name of the Company, address, then she hung up. 
I called back and gentleman answered phone. I asked him for their company 's information. He stated that they don't give that information out, and that they are a digital company. 

After some research I found the company 's information. I sent a cease and desist letter and disputed their information. I asked for validation of the debt, and for them to remove their fraudulent information from my credit report. This letter was sent by XXXX XXXX priority mail XX/XX/22, and the company received and signed for it XX/XX/22. The company hasn't provide me with any validation of the debt, and they haven't stop their fraudulent reporting on my credit report, and I just received a letter from them on XX/XX/22 that want me to give them a police report because I disputed on XXXX XX/XX/22 that this account in question is a fraudulent account. 

Is not my responsibility as a consumer that feels unsafe with this fraudulent company to have no information that pertains to my personal information. It's the furnisher responsibility under 12 CFR 1022.43 ( e ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) This is a complaint of harassment and it must stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/2021 Please Delete Immediately. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Mortgage

Summary : We are disputing an escrow shortage of {$7200.00} that was revealed only after our mortgage servicing transferred from Flagstar Bank XXXX XXXX XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. This shortage resulted in a sudden increase of our monthly mortgage payment by nearly {$1000.00} from {$3900.00} to {$4800.00} with no prior adequate notice or accurate forecasting. 

Details : We purchased our home in XX/XX/XXXX and had a consistent monthly payment of {$3900.00} until an escrow analysis by Flagstar in XX/XX/XXXX. 

Flagstar raised our monthly payment slightly to {$3900.00} by the end of XXXX, citing a minor shortage of approximately {$540.00}. 

Throughout XXXX and XXXX, Flagstar continued disbursing property taxes and homeowners insurance, but the escrow analyses failed to reflect the actual costs. 

In XX/XX/XXXX, shortly before transferring our loan, Flagstar conducted an escrow analysis showing a {$7200.00} shortage, resulting in a massive payment increase effective XX/XX/XXXX. 

This shortage was only communicated after the loan was transferred to XXXX, and XXXX has stated they are not responsible for errors made by the prior servicer. 

We made and continue to make all payments on time. This shortage seems to be the result of Flagstars failure to perform proper escrow forecasting and provide adequate notice, as required by RESPA. 

The abrupt nature of this payment increase has caused financial strain and frustration, as it could have been prevented by accurate forecasting earlier in the loans servicing timeline. 

Relief Requested : We request a formal investigation into the servicing conduct of both Flagstar Bank and XXXX XXXX XXXX ( XXXX XXXX ), and any available remediation, such as : XXXXA full review of the escrow shortage and its origin. 

-Reassessment or refund of any improperly calculated amounts. 

-Correction of any servicing errors. 

-A plan to restructure the repayment terms fairly ( if still applicable ). 

-Any remedies available in law or in equity. 

We would like to resolve this issue amicably, but reserve the right to pursue legal action. 

We have already submitted Qualified Written Requests ( QWRs ) to both servicers and attached a detailed timeline summary of events.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and  XXXX
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX who bought a XXXX XXXX XX/XX/XXXX and between XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXX. It was brought to my attention of the lawsuit against XXXX XXXX XXXX XXXX ( I didn't receive a letter ) Being XXXX XXXX and have purchased a XXXX during the timeframe stated. I am entitled to a repayment from a XXXX XXXX settlement because I wish charge higher interest rates then white car buyers I don't have an open account would XXXX XXXX XXXX XXXX based on the complaint against XXXX XXXX XXXX XXXX I am still in titled an eligible for a payment.