23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Multiple calls from different numbers attempting to collect a debt that is not mine. Person/ Persons Impersonating a debt collection agency in an attempt to collect on a small debt. Harassing calls and text messages
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CAVALRY PORTFOLIO SERV add a derogatory marks on my credit report per XXXX, XXXX  and XXXX. Original creditors : XXXX and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

My husband I ( XXXX and XXXX XXXX ) have had an equity line of credit off their home for a few years now with Navy Federal. Since both of them signed on this loan TOGETHER, Navy Federal refuses to see that we are both on the loan. They placed the loan  under XXXX XXXX only even though clearly XXXX XXXX is on the loan, signed for it and even has it on her credit report as her loan as well. Numerous times XXXX XXXX has sent in a power of attorney since XXXX and even sent in another one and confirmed on the phone with a rep just a few months ago in XXXX that I am on the loan and I am allowed to be spoken to on this loan. Each time XXXX XXXX has spoken to a rep they tell him, " the information has been saved and we will be able to speak to XXXX ''. Each time he sends in a power of attorney they tell him the same thing. However yet again today XX/XX/XXXX when XXXX XXXX calls in they again tell her they can not speak to her due to her not being on the loan. This is false and this must be stopped. Second issue is both XXXX and XXXX applied for forbearance a few months ago for this exact equity loan. They approved and said we can make payments over the phone still but they will be held till the forbearance is over. No payments can be made online and the next actual payment wont be due till XXXX. XXXX made two payments over the phone as yet again each time XXXX called they wouldn't speak to her. XXXX logged into the account today and low and behold it shows their account severely delinquent and that they owe {$920.00} in behind payments. Where did the two {$300.00} payments go towards and why does the account say severely delinquent? XXXX tried to call in again and of course they wont speak to her or help her on HER OWN ACCOUNT. Both XXXX and XXXX have had enough of this and want them stopped before they take legal action against Navy Federal.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : XXXX Date Listed : XXXXXXXX XXXX XXXX  Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

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

Sincerely, XXXX XXXX
Product: Mortgage

I was promised credits for a refi loan 1. {$500.00} promo credit and # 2 {$1500.00} lender credit. Now XXXX hours before closing they tell me the lender credit is {$740.00}. I have been promised both credits in the entirety several times in disclosures, emails and by phone bow that I am set to close the credits are going away. Deceptive practices
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX PM # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, and previous months.. I have submitted my disputes, requested the investigations, called the agencies to speak with real people. My requests have been ignored. My rights and privacy has been violated and disrespected. My character and reputation have been discriminated against. I have suffered from reciieving credit I deserve, for both personal and business benefits. My family has suffered as well, being denied the financial stability for everyday living. I have been denied auto financing, credit cards and business funding. I have also reported these issues with the CFPB, XXXX, and attorney general. Nothing has been done to ensure that my family and my rights be honored. I have been more that patient with this process and have endured far too much stress and hardship. I am requesting the attention that this matter deserves, I can't provide for my family this way, and that is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Product: Credit reporting or other personal consumer reports

This account is not CLOSED. my credit limit increased by {$1000.00} this month. closed accounts dont raise credit limits. All XXXX credit agencies needs to report the account as open.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX. XXXX Account name : XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX Account name : XXXX 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 a account without my written instructions. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing again for the nth time regarding unresolved inaccuracies and inconsistencies in my credit report that remain unaddressed despite prior disputes and communications. This letter serves as a formal and urgent follow-up request for immediate action to resolve these issues.
Product: Vehicle loan or lease

I opened my car loan in XXXX of XXXX and made my first payment before the 45 days and they misplaced my payment maybe because I paid it too soon or they just did not have my contract work yet but that payment was never credited to my account. I have the paperwork to prove how much I paid paid except for the first payment made. I paid on this loan for 4 years and the balance never went down one cent. I spoke to Chrysler Capital and asked them why and they said because it all went to late fees. I paid them XXXX dollars in payments and finally the balance went down a couple XXXX dollars. So far I have paid them over XXXX dollars so far and they claim I still owe them XXXX to pay it off. Point is how come my balance never went down XXXX cent for the first 4years that I paid them. At one point about XXXX years ago they told me I had already paid them almost XXXX and again I asked them why did I owe so much. According to my records I am paying almost XXXX on a loan that was only for XXXX. Please let me know what I can do to get this account settled for a reasonable amount. I have all my payment records that I received from Chrysler Capital and can email them to you if need be. Thank You very much for your help Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Bank account or service

Hi, I applied for a promotion for XXXX XXXX miles after opening a checking account and following a couple of terms and conditions. They confirmed on XXXX that I met the offer and fulfilled all the terms and conditions and would get the miles by XXXX. Now they are stating for the past one month that they are investigating this. I have spoken to several people and have confirmed will get the miles, but they do n't show up.
Product: Debt collection

XXXX XXXX is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. XXXX XXXX did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. XXXX XXXX is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.
Product: Mortgage

I have been on COVID-related forbearance plan for more than a year. Last week I contacted my FHA mortgage service provider 's Home Preservation Department ( Wells Fargo ) to walk me through the loss mitigation options that I will be eligible for after the forbearance plan expires. I was told that income documents will be required for the following two loss mitigation options : ( 1 ) COVID-19 Owner-Occupant Loan Modification ( 2 ) COVID-19 Combination Partial Claim and Owner-Occupant Loan Modification. 

My understanding - based on the Mortgage Letter XXXX, dated XX/XX/2021, from the U.S. Department of Housing and Urban Development - is that no income documentation is required from borrowers for the two options stated above. So, I request you to clarify this matter and ensure that Wells Fargo consistently provides accurate information to its distressed borrowers.
Product: Money transfer, virtual currency, or money service

Here are the facts Received {$17000.00} on XXXX XXXX, 2020 to Discover Bank Should have received XXXX USD Wire Info sent from XXXX XXXX XXXX 2020 XXXX XXXX Close XX/XX/2020 : XXXX CAD = XXXX USD Discover Bank disclosed NO FEES for an international wire transfer. As a consumer I called Discover Bank on XXXX XXXX so I could make an informed decision. I already had XXXX XXXX I could have sent the wire that confirmed with my family member NO FEES, NO SPREAD, NOTHING. My family member received the same wire transfer to XXXX XXXX with NO FEES whatsoever. 

XXXX XXXX Discover Bank Rep. very clearly told me Discover Bank charged no fees for receiving an international wire transfer. This same rep also informed me very clearly that the XXXX XXXX XXXX XXXX XXXX charged no fees ( being the 3rd party ). XXXX XXXX XXXX XXXX XXXX  XXXX would be doing the exchange to USD. The Discover Bank Rep very clearly told me there would be no spread and no fees. The Discover Bank Rep very clearly told me I would get the exchange rate at close of business the day the wire is sent. 

Discover Bank has participated in unfair and deceptive business practices by not disclosing the fees associated with an international wire transfer so myself ( the consumer ) could make an informed decision.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was on a call with XXXX XXXX XXXX Rep about an upgrade for a new cell phone which was never activated or used I never agreed or informed of the 14 day grace where the restocking fee applies 15 %??? of a phone that cost {$18.00} I was given the wrong number so activation was not completed so I shipped the phone back on XX/XX/XXXX XXXX XXXX XXXX Hired a collection service asking for {$45.00} restocking fee Sequium Assets solutionsat XXXX. and a bill for {$100.00} for a never used phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a re-investigation of the inaccurate information that remains on my credit report despite my initial dispute. This is my second attempt to correct this error, as the previous response failed to provide adequate verification as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

Account : XXXX XXXX XXXX XXXX XXXXcount Number : # XXXX
Product: Debt collection

Midland Credit Management sued me without ever sending me a letter to my current address with notice that I could dispute this debt. A default was entered fraudulently due to a motion for extension of time that Midland did not notify the Court was being filed. I am now waiting for my court hearing on a motion to set aside judgment. This debt was a SECURED account that I received years ago after foreclosure and bankruptcy, and I told the original creditor to apply the security deposit and close the account. The original creditor subsequently sold this debt to various debt buyers, and it ended up with Midland. The address on the Summons was an old address, and Midland did not bother to have their process server give them the new address and send me the required advance notice. They have sued me for hundreds above the credit limit. I asked twice for the contract and statements and I have been ignored by their attorney. It remains to be seen if the Court will overturn the judgment and give me time to answer. If they do not have the original documentation, then they came to court fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance XXXX XXXX {$390.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - XXXXXXXX XXXX XXXX XXXXXXXX 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not in compliance with regulations or the law. XXXX had consistently violated my rights under the Fair care Reporting Act-
Product: Debt collection

An agent Identifying himself as calling on behalf of LTD FINACIALS SERVICES called a family member of mine. How embarrassing and harmful. I don't know this company, nor do I have a contract with them. They have violated my privacy and that of my family member 's. I didn't give my information or that of my family member 's to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation results back from XXXX and TransUnion. They said everything was XXXX XXXX  complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ).

Because the list of accounts below is not accurate. The date open, date of last activity/active, and date of last payments are NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ).

I attach a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

It is unacceptable that my credit report includes unauthorized information that I never approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got repossessed they are reporting false information and they are not showing anything I've paid since the before the repossession they are also reporting I have 29 missed payment and that's not true if that was so they would have repossessed the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks
Product: Student loan

Re : XXXX/XXXX studies at the XXXX XXXX XXXX XXXX ( XXXX ) / DOE Code : XXXX / ( XXXX ) - address XXXX. XXXX XXXX, XXXX XXXX, XXXX. Since DOE revoked the eligibility of XXXX, I applied for DOE deferment ; it was denied. Myfedloan then put the loan in IDR. Now Myfedloan put my IDR on hold. I can not make any payment, at this time. After XXXX lost its DOE eligibility, some of my colleagues did not complete MD and dropped out and became a member of " Wasteland of Education ''. I worked my way around this unjust system and found grant donors/loan lenders from XXXX to continue to study at XXXX. The education is valid within the entire XXXX and eligible for certification by the XXXX XXXX XXXX XXXX. Now I am doing XXXX in XXXX together with PhD in XXXX XXXX. I prioritize finishing the education started. The money I earned here is barely enough to pay my cost of living and studying over here. I can not make any payment to MyFedloan. Without at least IDR, this loan account will end up in unsuccessful collection. I need 4-6 years to finish. Then you will get your money back!
Product: Checking or savings account

On or around XX/XX/2023 I became aware that my account was frozen do to my card being denied. I called and learned that my account was frozen. The bank did not give a reason, they just told me that someone from associated bank would reach out to me. 
On XX/XX/2023 XXXX XXXX from associated bank reached out just to tell me that my account is being closed and all my funds are now gone and is no longer my money due to an endorsed check that was reported fraudulent. I asked how and why did the bank determine it to be fraudulent, she said that the endorser reached out through a phone call and said that she did not endorse the check. 
I said since associated bank obviously sided with a non client if there was any paper trail showing how associated bank determined their decision, I was told that I was not privileged to anything beside a notice that will be sent out telling me my account is closed. I asked could I be issued any policy that associated bank should have in place telling me my rights in this matter, i was told I was not privileged to any documents explaining anything.

Associated Bank closed my account and took a large sum based off a phone call from a non law enforcement, there is no criminal charges, there is no decision from a judge.

Associated Bank never reached out to me telling me anything, not one email, no one called me for a statement informing me of anything, I'm just told that a non law enforcement called and said fraud! 
The only contact that was made by this bank was them telling me that my account is closing and they are taking my money {$46000.00} and for me to get it back XXXX XXXX told me I have to reach out to the person that reported the fraud. 
Associated bank told me I have no rights, even though for me to become a client I sign into rights.

They have now taken my hard earn money based off a phone call from a non law enforcement and refuse to release anything in writing to me or any existing policy on such a matter.
Product: Payday loan, title loan, or personal loan

XXXX, is a company that The finances good theres a negative account on my credit report that I dont believe is mine Ive done business with this company before and I have paid everything in full and I have a negative account on my credit report from the same company
Product: Vehicle loan or lease

To whom it may concern, please remove this unauthorized account from my credit report this account is fraudulent please take prompt action with doing so to delete this unauthorized account from my consumer report thank you