23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I HAVE SENT IN THE PROPER DOCUMENTS INTO THE CREDIT REPORTING AGENCIES AND THE COLLECTING PARTIES AND THEY HAVE DONE NOTHING TO REMOVE INACCURATE INFORMATION FROM MY CREDIT
Product: Debt collection

In XX/XX/XXXX a few days after my husband XXXX XXXX XXXX passed away I found a Discover card statement with a {$17000.00} balance addressed to me in my husbands email. I do not have a Discover card nor have I ever applied for one. I  contacted Discover and they informed me the account did exist and it was applied for online in XXXX. XXXX at Discover told me their records show " he '' called in XXXX and added XXXX XXXX as an authorized user, their records also show Discover called XXXX ( husbands cell ) to verify XXXX was added as an authorized user. Discover quickly concluded fraud/ identity theft had not occurred although they had been emailing all the statements to my husband and had only his contact information on file. I also spoke to XXXX at Discover, she informed me I was responsible since there were utility bills from my residence charged to the card and I benefited from it. She also said I am responsible because I let my husband pay the bills and take control of the finances. I have asked Discover to send the statements to me so I can see what was charged to the card and they have not did that, they have only sent one statement showing the interest accrued. Discover has also told me I owe XXXX and another rep. said I owe XXXX
Product: Checking or savings account

Hello, my name is XXXX XXXX, i purchased a cashiers check on XX/XX/2015 from my bank ( chase ), through my checking account. The cashiers check is valid for 7 years, however I went to chase bank today to cash my cashiers check, only to be told that my check is not valid and it could not be cashed. They instructed me to contact Indiana Unclaimed Property Division, which I have done and currently waiting on a response. I have the actual check in my possession. I would greatly appreciate it if someone can contact me regarding this matter. I can be reached a XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account LVNV FUNDING LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that LVNV FUNDING LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries 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 accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  SXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX  XXXX XXXX XXXX ( C.D. Cal.Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
Product: Debt collection

This company put a collection under my credit for a debt I do not know of or own, Claiming that I owe them that debt and that they will ruin my credit if not paid. 
Tried telling them that I do not own such debt but they kept on harassing me and using manipulating tactics such as if you dont pay it my boss will take it out of my paycheck and I wont be able to feed my kids which is absurd and threating me with legal actions even after I explained that I dont owe such debt.
Product: Credit reporting or other personal consumer reports

I submitted to the three credit bureaus to amend this suspicious information. I believe you did not validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I want to sue you. This was also included in my last COMPLAINT, and I'm repeating it. XXXXDEPT OF ED XXXX Balance : {$3300.00} ; XXXX/DEPT OF ED XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

they are claiming i received some items i never purchased and it got charged of and sent to them
Product: Debt collection

I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dispute did not remove XXXX XXXX from my credit report. This company was paid, given their property back and included in a bankruptcy and they are still showing I missed payments. It should show never missed a payment
Product: Mortgage

Truist assumed our mortgage loan from BB & T. I found a past payment was not correctly credited to our mortgage and the latest payment ( made in XX/XX/2022 to BB & T per their instructions ) is not being credited by Truist. I have tried to resolve these errors with Truist but have been placed on hold ( for 45-60 minutes ) and a scheduled call from a supervisor ( XXXX ) at Truist was not kept ( XX/XX/2022 ). When I called customer service again, ( after another hold of 45-60 minutes and repeated holds during the call ) I was told they do not have a record of my earlier calls or XXXX the CSR I spoke with ). My concern is in assuming our existing mortgage loan, payments are not being correctly credited and I am being asked to make payments when they are not due. I am always 2 months ahead of the loan payment date. 
I believe Truist intentionally makes it difficult to reach them by telephone as a way of not dealing with their poor management of the assumption of BB & T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for the first time and I have derogatory items that are not mine. these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Debt collection

This agency has harassed me all weekend starting from XX/XX/XXXX at XXXX till today XX/XX/XXXX. I work everyday from XXXX and they do not stop calling me XXXX XXXX is the name of the associate that is harassing me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re XXXX Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account XXXX. 

Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) account XXXX. 

Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX ) account XXXX credit file/report ( i.e. XXXX, Transunion., XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account XXXX. This is the 1st time this incident has occurred. On XX/XX/XXXX a XXXX delinquent notification was applied to my account. ( see attached Experian Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus XXXX, Transunion., XXXX. As a result, my 3-credit scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX XXXX XXXX ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I would like to request the following : a.Re : Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account XXXX. 

b.Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX. 

c.Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX credit file/report ( i.e. XXXX, Transunion., XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

Respectfully XXXX XXXX
Product: Debt collection

NFCU made false threats regarding loan repayment. RE : Improper Debt Collection Practices and Civil charges against NFCU, reported XX/XX/XXXX.

I just found out Today, XX/XX/XXXX, that a suit was brought against Navy Federal Credit Union regarding false threats against debt collection. I originated this signature loan in XX/XX/XXXX and fell behind when I lost employment and had, and still have, reduced income. I am now considered " low income '' - my monthly income is about {$950.00} at this time.

NFCU froze all my electronic access to my online and other accounts.

I am still making a monthly payment. I am in process to renegotiate a settlement amount if possible.

I was never offered, never received a letter, that says I am " eligible for redressable payment '' or was never offered a payment regarding this lawsuit. Am I eligible to receive the {$1000.00} payment? NFCU never offered me any type of payment, even though I have been " harmed '' by their false threats between XX/XX/XXXX and XX/XX/XXXX and they still to this day have frozen my account access.

Am I included in the affected members in this civil action?
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Debt collection

NATIONAL CREDIT SYSTEMS #XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX


National Credit Systems has 2 erroneous debts on my credit report for XXXX  XXXX.

NATIONAL CREDIT SYSTEMS #XXXX placed for collection: XX/XX/XXXX Balance: $XXXX and Placed for collection: XX/XX/XXXX Balance: $XXXX XX/XX/XXXX.

XXXX  Credit report shows false debt has been disputed by me:

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX

National is aware this is a false debt as I currently reside at XXXX XXXX, my lease has been renewed each year in my name since XX/XX/XXXX, because I paid all my debt to XXXX XXXX

National Credit Systems is aware of this fact as they just mailed me a letter to my current residence at XXXX XXXX.

I have provided a copy of my account ledger, which illustrates, I am still a XXXX XXXX tenant and my account is in good standing.
Product: Checking or savings account

O
n XX/XX/XXXX I opened a Citibank Account Checking online where a promotion was advertised for {$300.00} for opening an account. There was a delay in processing the opening on Citi 's ed but the account was opened and it was confirmed on the phone that the promotion was attached to my account.
The terms stated : Within 45 days after account opening, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Savings Plus Account or Citi Savings Account and maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date you made your qualifying deposit.
Within 45 days after account opening, complete 1 qualifying Direct Deposit to your checking account or make 1 or more qualifying purchase transactions with your Citibank Debit Card totaling {$250.00}.
On XX/XX/XXXX I deposited {$15000.00}. OnXX/XX/XXXX I deposited {$340.00} and I made a debit purchase for {$250.00}. My statement ending XX/XX/XXXX shows an ending balance of {$15000.00} and I maintained {$15000.00} or more the entire time of the first 30 days since my deposit.
I have called and done live chat and I 've been told that my bonus is coming. Yesterday I did live chat and was told the back office was being contacted and that my bonus would post in 1-2 days. I will attach this live chat from yesterday. Today I received a letter that I 'm not eligible for a different bonus which required a $ XXXX deposit for {$500.00}. This is not the account I applied for.
Product: Mortgage

Our XXXX County Maryland XXXX Department said that they never received information from GMAC Mortgage that our mortgage was paid off in full so that the release of lien could be recorded. We have a letter from GMAC Mortgage dated XXXX XXXX, 2001 stating that the mortgage had been paid in full & that the necessary release documentation for the property was in the process of being completed and being sent to the county XXXX office. We have not been able to contact GMAC. Until the County XXXX XXXX office receives documentation, our property will continue to show a lien against it which will continue to create problems in acquiring credit or selling our property.
Product: Debt collection

contacted the company and explained it was not my debt and they agreed and said that they would make note and that I should dispute with bureau. 
I disputed and it still appears on credit. 
so they lied and numerous attempts to contact again I get hung up on and speak to rude people. 
Obviously there is fraudulent business going on and I need answers. 
please help!
Product: Vehicle loan or lease

I financed a vehicle thru Santander Consumer USA on XX/XX/XXXX I put a down payment of {$8900.00} which I later found out that this act was illegal due to the fact that my social security number was used to facilitate this Consumer Transaction..After studying Consumer laws I found out that I was violated in many ways..I sent out certified letters to Santander to discuss remedies and I was ignored..Then on XX/XX/XXXX XXXXMy vehicle was unlawfully repossessed without any judicial action.. see 15 USC 1692 f
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I spoke with XXXX at BC Services on XX/XX/22 in reference to two accounts to dispute the validity of the debt I was being contacted about. I emailed and mailed the requested documentation stating that I no longer owed the medical debt for services rendered. I filed a response with the 4th judicial district stating that I do not owe the debt, and I have continued to receive notice of their intent to proceed with a default judgement. I also received documentation from BC Services for a debt that is not mine, and has a different unknown party information included in the correspondence.
Product: Mortgage

I had to make two payments in order to complete the payoff in the large amount. I also followed up with calling Roundpoint Mortgage after making the online payments and learned that I should have completed my payoff with a different process ( wire transfer/mailing payment ) but was told it would be corrected ( I didnt select the payment to be a principle only payment and the monthly mortgage would have been taken out of the amount paid ). I was told they corrected that error over the phone and to watch my account to make sure it posted correctly. My Payoff amount that I received was good through XX/XX/20. I noticed that both accounts posted and then shortly after I noticed that the {$99000.00} did not post. At this point I am concerned that my money will not be applied to my mortgage loan and that a gross error may have occurred as the amount still owed on my home mortgage is showing as a Principle Balance owed {$99000.00}. I have made several calls to Roundpoint but cant seem to get an answer as to where my money is. I am concerned that my escrow money will also be mishandled. I have spoken to several Employees but with no answer. I feel I am getting the run around and I am worried that my money has been mishandled. I am requesting help! 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I trying to spot for credit card or loan it said my credit is really bad so how can I got my credit back. I dont really the amount