23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After the death of my mother on XX/XX/2020, I started being contacted by Chase bank for payment of a balance of an overdraft protection account in my name. This was the first that I learned that my mother had stolen my identity to open the account when I was approximately XXXX. When I informed Chase that was a fraudulently opened account they did not transfer me to fraud claims. They told me tough luck, it didnt matter if I didnt open the account or that it was opened through identity theft when I was I minor. They told me that since I had recently turned XXXX, I was responsible for the fraudulent account and needed to make payment arrangements or they would report me to collections. They tried to coerce me repeatedly into assuming fraudulent debt. They even told me that I should just pay it even if it wasnt mine or they would keep calling and reminding me of my mothers recent death.
Product: Checking or savings account

Hello this is XXXX XXXX and my account is locked and ive tried multiple times to get it unlocked to no prevail. 

My account was locked after i deposited XXXX in cash into the atm and im requesting my account be closed and a cashiers check mailed to me. ive had an awful experience with this bank and its support and fraud team not being helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX, which I found when my credit score dropped. I have never had an account, inquired about one, never had any association with this company. I now, XX/XX/XXXX, Since XX/XX/XXXX, still have this reported on my credit report as a delinquent account for the past 4 months will no help to look into this. I have contacted XXXX, the first 3 times I was actually told that there was no account, and they confirmed not finding any accounts under my information. I asked for a letter stated this to turn into Experian, never received anything. I have called Experian, filed numerous disputes, one after another, even while they were still under dispute. I also contacted Experian by phone several times, and by mail. Since this started, I now have the delinquent status over 90 days, been turned down for XXXX loans I was trying to acquire. I just started a business, this impacted the business accounts that I was working through. XXXX slowly got my information each time I called to have this matter resolved, and actually used it to attach to this account. Both Experian and XXXX tried to help, listen, or otherwise care what it was doing to my personal status. I have a 100 % on time payment history with 4 different accounts, why on earth would I use this company first of all, and why would I risk or harm my history of excellent standing with the creditors from which I hold actual legitimate accounts. That should have been the first red flag to Experian that something didn't look right. Instead they blew me off, their only offer of any kind of help was to tell me to file a dispute, and then proceeded to ask me to submit supporting documents/information. Well that would be fine not to mention a simple solution except I NEVER had an account with XXXX  therefore what was it they supposed I should come up with to confirm??? Well, I can count on two hands the number of disputes, back to back and during the others. HINT! Red flag number two!! It is a very sad situation to have to feel so helpless when you are supposed to have trust in the credit reporting companies, and even sadder when your livelihood is left in their hands. I can't go back in time and restart my business, let alone the years it took to get my credit to where it was. I took much pride in accomplishing that score and accumulating history to back up my good standing, and now I am left with anger, disgust and a sour taste for future dealings with our credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen some fraudulent inquiries on my credit report and would like to have them removed XXXX  Inquiry : XXXX XXXX, XXXX  PENTAGON FCU-XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

Hello The loan servicing company is rejecting my mortgage payments. I have been in contact via the mortgage specialists XXXX XXXX and XXXX XXXX. So far I have no response why the loan service co is not accepting my payments, although in the last payment I have overpaid the loan servicing company.

Sent an email to XXXX XXXX Received no response. Sent another one and XXXX XXXX  referred me to XXXX XXXX. No response.

Here is the last email.

XXXX XXXX  <XXXX> To : XXXX XXXX Cc : XXXX  XX/XX/XXXX at XXXX XXXX Please provide customer with response. Thank you, XXXX XXXX XXXX is not providing a response. He is on a mission to bankrupt me. He is delaying his response on purpose so that my payments are late. He asked me to send a little over {$6000.00}. I sent over 10000 and he did not accept my payment.

Here is the bank proof that I have sent the moeny.

Dear XXXX XXXX : We sent this payment, but your payee rejected it and your bill hasnt been paid.

Payment to Rushmore Loan Management Service from account XXXX for {$1500.00}, to be delivered by XX/XX/2018 XXXX.

Please make sure you've entered all of the payees information correctly. If you make changes, you can try to send the payment again. If everything looks right, please contact your payee.

If you use personal financial management software, such as XXXX  ( R ) or XXXX XXXX ( R ), please look at your payment details for the most up-to-date information.

Have questions? We offer many answers, and other ways to reach us, at XXXX.

Please don't reply to this automatically generated email.

We know you have a choice of banks. Thanks for choosing ours.

Sincerely, Your Online Banking Team
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2020 I took out a personal loan from Onemain Financial and tried to get rid of extra add-on pushed by the lender and was unsuccessful at my attempts to have those removed. I have since paid the loan in full.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Multiple unauthorized inquires on credit report violating the Privacy Act of 1974 as well as 15 USC 1681 B. Proof Information was unauthorized to the dark web. 

XXXX : XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). 

Experian : XXXX XXXXXXXX XXXX ( XXXX XX/XX/XXXX ), XXXX  ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX  ( XXXX XX/XX/XXXX ) XXXX : XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX  ( XXXX XX/XX/XXXX ) ALL ARE UNAUTHORIZED AND AREN'T ATTACHED TO ANY OPEN ACCOUNTS
Product: Mortgage

After Hurricane Irma, in XXXX of XXXX, I called Nationstar which later became Mr. Cooper : XXXX Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX I was told about their forbearance program and they agreed to put me on the program and any missed payments would not be reported to the credit bureaus. I missed payment for the month of XXXX and XXXX and in XXXX of XXXX, I made both payments and was caught up. They reported it to the bureaus and when I called to dispute it earlier this month I asked for a case dispute to be opened ( it was not, I was ignored ). I called to check the status 3 weeks ago and had to open another from scratch. They said I never showed up on their forbearance program. I am now trying to refinance because of a divorce agreement and am on a tight deadline. The port of 60 days is not allowing me to refinance and will lose the Condo because I can not come up with the money. Selling is not an option. Please help me as i am desperate and the lender does not acknowledge they mislead me into believing my credit would not be harmed. I have never in all the years I have owned have I been late on a payment. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX sent me a letter stating they were raising their APR on existing balances for all open accounts and the only way to opt out was to close the card and pay off my remaining balance at the previous rate so I did after 8 yrs flawless history. At some point they changed to XXXX XXXX XXXX XXXX XXXX card and all XXXX broke loose. I didn't receive my XX/XX/XXXX statement so I called to notify them of missing bill and make a payment over the phone. The agent told me I'd have to pay extra for missing my due date but that if I paid right then, he'd credit the late fees on next statement and get me back to my usual min payments, so I did. They reported XX/XX/XXXX as paid to the credit unions, but sent me a new bill claiming I didn't and was now default on my APR agreement and would have to pay all late fees + 2 months payments at the new APR up front to keep my account. I disputed via phone and mail for a year, offering to get back on track if they fixed the error and pay off my balance. They stopped sending me bills, when I tried calling in XXXX to work it out again, they had an incorrect address and number for me in a different state I've never been to. I never received collections notices or responses to my letter campaign which went to every PO box provided, as well as corporate. 3 years later they FINALLY cancelled the debt with the IRS on XX/XX/XXXX, though I only got the notice recently. However, they continued to report a balance that never existed and past due amount to the credit unions past the cancellation date. XXXX  STILL reports this to lenders as a new negative item despite receiving a copy of the IRS doc. Both XXXX   and Equifax have allowed this false balance to reappear after deleting it and have failed to clean the payment and balance history adequately. On XX/XX/XXXX, I sent XXXX, Equifax and XXXX the IRS form proving the old debt cancellation date in XXXX. This debt was cancelled under code G : due to law or policy. XXXX didn't send my bill, process or report payment properly. THEY defaulted on our agreement. Not only was I never legit late on this account, but I've been disputing it for FIVE YEARS, had flawless credit for 17 years across the board that they singlehandedly destroyed, made unmanageable and created unnecessary financial chaos in my life I am still recovering from their false reporting, as well as XXXX and Equifax lack of thorough report cleaning even after legal proof was submitted. I haven't applied for credit in 10 years because of them, maintained the other cards I had perfectly and STILL am getting rejecting for credit over this. It's NOT NEW like XXXX  continues to report, there is no balance or past due. The dispute began in XXXX on an account closed in XXXX. It was cancelled with the IRS XX/XX/XXXX and the amount that's been reporting is pure fiction as the IRS form shows the amount when they stopped adding interest and cancelled it. There should be no history past that date anywhere on my reports regarding this account nor should the amount they were reporting ever been on them as it never existed.
Product: Credit reporting or other personal consumer reports

I have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX. These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.
Product: Credit reporting or other personal consumer reports

Hi, I would like to place a security freeze on my credit file effective today. 

My name is XXXX XXXX and my current address is : XXXX XXXX XXXX XXXX, GA XXXX Born on XXXX XXXX  My social is : XXXX I have included copies of my ID and SSN Thank you! 
XXXX XXXX
Product: Mortgage

Chase Bank has had my refinance mortgage application for 10 months, process that is supposed to last no more than 90 days. 

On XX/XX/2020 ( 10 month ago ) I submitted a loan application to refinance my home 's mortgage with Chase Bank. The designated officer at that time to manage the application was XXXX XXXX. Then, two months ( XXXX ) later the officer XXXX XXXX ( XXXX ) was added to the team at chase to be handling the process, and she started asking for documents right away. In XXXX another XXXX was added to the team, XXXX XXXX ( XXXX ), she has been the one talking to me to me so far. After sent a complaint by email on XX/XX/2020 requesting for a faster handling of the application, XXXX XXXX ( XXXX ) has been evolved in the process. 

The delay brings two big problems for me ; 1st, I can not do any mayor transitions because it could affect the process. And 2nd, in case of been denied the application, the delay takes away the possibility of being able to apply in another bank to take advantage of the low loan rates.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX appeared on my XXXX credit report. 

XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX  XXXX account shouldn't be on my XXXX credit report.
Product: Student loan

I XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX XXXX. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The Deville Asset Management agency has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to se the full tract of debt ownership  including but not limited to the rights to Deville Asset Management to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau immediately.
Product: Mortgage

Dear CFPB Rep, My problem with Mr. Cooper Mortgage Co began XX/XX/2020 & has continued thru XX/XX/2020. For many years I have included additional $ with my monthly mortgage pymt to be applied toward principal. To date I have included {$700.00} in addition to regular pymt to be applied solely to the principal. Prior to XX/XX/2020 there has never been a problem with Mr Cooper applying the additional $ to principal. Since XX/XX/2020 thru present I have had to call Mr Cooper up to 5 times per month requesting my additional $ to be reversed as a regular monthly pymt and apply to my principal as indicated on my Mr Cooper automatic pymt profile. I have also emailed manager and research dept to have the correction done but, the problem persists monthly. Attached is a listing of my pymt history. You will readily notice the slipshod mgmt ' of my monthly pymts '.
Product: Checking or savings account

On the XXXX of every month I have apparently been getting charged around 9 dollars by XXXX for some payment dealing with an XXXX. I checked online and apparently this happens to a lot of people I was told to ask for help here.
Product: Credit reporting

in 2015 I went to buy a car and I inquired the credit often without my permission, I request the removal thereof. these reports are in TransUnion, XXXX, XXXX
Product: Debt collection

I received a response from XXXX, XXXX and XXXX, regarding a request for debt validation. I only received statements nothing more.I am therefore requesting proof of ownership-bill of sale, or some document assigning or transferring the debt from the original creditor to XXXX, XXXX XXXX XXXX. If this debt was sold more than once am requesting proof of sale from lvnv funding  and XXXX XXXX XXXX 
It is my belief that sending past due bill is not sufficient to debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 4 to 5 months, I have unsuccessfully attempted to log into my account at Equifax 's web site called " myEquifax '' ( https : //my.equifax.com/membercenter/ # /login ) to view/manage my security freeze. I receive a " login or password is incorrect '' message followed by an " account locked '' message. I have then called the customer support team in an effort to fix the problem but, again, have had no success. I have repeated this process approximately 15 times over the course of 4 to 5 months with no success in accessing my web-based account. Today, while on hold for what seems to be the hundredth  time, the call just terminated. I have had no trouble accessing both my XXXX  and XXXX web sites, just the Equifax site. Appreciate anything your organization can do to help restore my access to my account.
Product: Debt collection

On XX/XX/XXXX, a collections letter was received from XXXX XXXX XXXX alleging an owed debt in the amount of {$5200.00}. Letter was dated XX/XX/XXXX, XXXX Acct # XXXX, creditor listed as Hancock-Whitney Bank with acct ending in XXXX and a last payment date of XX/XX/XXXX, and sent to an older address of XXXX XXXX XXXX. 

There are a few issues with this allegation : 1 - This debt is not recognized, as I have never held an account of any type with XXXX. 

2 - I have not lived at the listed address on their claim for over XXXX years, let alone opened any loans in their alleged timeframe. 

I am uncertain as to where this alleged debt came from, I am only certain that I have not opened any such accounts with that creditor.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns XXXX Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claimed adequately. They informed me that recording lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raise serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

I am writing to address the serious issue of a fraudulent accounts present on my credit report. It has come to my attention that there accounts listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. I have submitted the required FTC report to the company associated with these accounts and they have already removed this from their records. Furthermore, other credit bureaus also deleted these accounts after receiving the supporting documents, The inclusion of these fraudulent accounts are not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 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 or other personal consumer reports

I have submitted several disputes to this company in regards to the fraudulent items asking them to be removed. I have submitted all required legal documents and proof of identity to support my identity theft. The company seems to remove the items to be able to report through the CFPB that it has been removed then the company proceeds to place the fraudulent accounts and information back to my consumer report. They have not supplied the requested debt validation and nor has the creditors. This company is abusing and violating my rights as a consumer and ruining my life. This has caused tremendous harm to my life over the years and I have continued to reach out to them but they continue to do the same thing.
Product: Debt collection

Comenity Bank called my parents home X/XX/17 and gave information to my father as to what the call was concerning.