23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In around XX/XX/XXXX, I became aware that my identity was stolen in XXXX and there were several fraudulent credit cards opened in my name, including one at Citibank that eventually accumulated a balance of {$13000.00}. When I contacted Citibank about this account in XXXX after obtaining my credit report, I was assured that I would not be responsible for the account. It was removed from my credit reports in XXXX. However, in XX/XX/XXXX, I was informed by mail that the debt was sold to XXXX XXXX XXXX, XXXX. After notifying them by certified mail that the debt was the result of identity theft, the account was promptly re-sold to another debt collector, XXXX XXXX I, XXXX. I again notified the new company by certified mail that the debt was inaccurate, and they responded with a letter stating " we deny any inaccuracy in the information relating to the debt. '' Attached was a statement from XX/XX/XXXX with my name on it, but which I never received since the account does not actually belong to me. After calling Citi customer service 4 times between Friday XX/XX/XXXX and Saturday XX/XX/XXXX, I was told all four times that there was nothing that could be done on their end since they no longer had access to the account, and the representatives either transferred me to the debt collector 's number or gave me that number as " the team '' that I needed to call to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX  ,2017 I received a letter from US Bank regarding my {$300.00} secured pre paid credit card ending in #   XXXX   that was a requested to be closed down several months prior both verbally and in writing before the balance that the credit card had in secured funds had reached its limit. US Bank is reporting a balance owed of {$160.00} that is over the {$300.00} secured credit card limit and US Bank continues to accrue interest on an account that closure was requested and now derogatory credit is being reported
Product: Debt collection

COMPAINT AGAINST CAPITAL ACCOUNTS COLLECTION AGENCY, XXXX. XXXX  XXXX, XXXX, TN XXXX, XXXX Regarding XX/XX/XXXX dental services provided by XXXX XXXX XXXX, XXXX On XX/XX/XXXX, I received a letter from Capital Accounts regarding the debt to XXXX XXXX XXXX, XXXX. In response to the letter, I called Capital Accounts and disputed the debt. I requested verification of the debt ( i.e., invoices/statements showing service date, procedure code, and the amount of service ) from Capital Accounts. I wanted to review the information Capital Accounts was given because XXXX XXXX XXXX dental insurance paid for each service I received and I paid required co-pay for each service. 

On XX/XX/XXXX, I disputed this account directly with credit bureaus. The result of the dispute is that Capital Accounts verified the information therefore the negative information would remain on my credit reports. A year have gone by and to date I have not received verification of this debt from Capital Accounts. 

On XX/XX/XXXX, I called Capital Accounts again regarding this account to address the reason the amount keeps increasing on my credit reports. I also asked why no one from Capital Accounts had sent me, as I had previously requested, verification of this debt. I advised Capital Accounts customer service representative again that I can not acknowledge or accept the debt, as I had not received verification of the debt. 

As follow up to my telephone call to Capital Accounts on XX/XX/XXXX, I received the attached email from Capital Accounts regarding the past due amount with their client XXXX XXXX XXXX XXXX. The email included a ledger with a debt of {$760.00} and {$150.00} in additional interest charges for a total of {$960.00}. How is it that this debt can be increased by {$3.00} per month for interest? As a collection agency they should not be charging {$3.00} monthly interest. Is charging interest on collection accounts illegal? 

This information continues to be reported negatively on my credit bureau reports with the balance constantly going up. Every month when they add Capital Accounts adds the interest charge my credit score decreases. This year old past due collection account has had a very negative affect on my credit rating. Adverse actions have been taken against me because of this account on my credit reports. 


Cc : Capital Accounts XXXX Credit Bureau XXXX Credit Bureau XXXX Credit Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, my FICO, XXXX, XXXX and XXXX  credit reports show that we were 60-89 days late on our mortgage with Ocwen. We were 30-59 days late during these times, but we were not 60-89 days late. 
Between XX/XX/XXXX and XX/XX/XXXX, Ocwen was erroneously keeping my payments in suspense, and was not applying my payments to the past due balance. This error caused my mortgage to be reported as 60-89 days delinquent. If Ocwen had applied these funds to my past due balance, as the company is obligated to do under my contract, my account would not have fallen 60-89 days behind. 
I filed a complaint with the CFPB regarding the payments held in suspense. After I filed the CFPB complaint, the issue was quickly resolved, and the payments held in suspense were applied to my past due balance. However, the error with my credit reports ( the report that we were 60-89 days late on our mortgage ) was never corrected. 
After I filed the complaint with the CFPB, I spoke with a supervisor at Ocwen. She said that the payments were being held in suspense by error ( that it was Ocwen 's error ). She said that she was not sure why this error occurred and she promised me that the issue would be resolved quickly. 
I contacted Ocwen regarding the error with my credit reports, but they have refused to correct the error regarding my delinquency.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Citimortgage Loan  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I lost my job in  XXXX  and fell behind on payments. I immediately reached out to Citi after the first month to let them know what had happened and to ask what I can do to stave off foreclosure or late fees that rack up etc. Any help at all. I was told that I could n't even talk about anything until at least  XXXX  months behind. Counter intuitive in my opinion.     I waited the  XXXX  months as instructed and reached out again. I was told at that time the house would go in to foreclosure. So, as I stated, I tried a month out to make arrangements and then they said foreclosure would start. I was not offered anything on the spot, rather I was told to send in paperwork and a package was mailed to me to fill out and include tax returns, pay stubs, letter of hardship, etc.     The first package was faxed to  XXXX   XXXX  on  XXXX / XXXX / XXXX , then again  XXXX / XXXX / XXXX  and again  XXXX / XXXX / XXXX . I was never in contact with her again, and emailed her each time I faxed for confirmation and was never spoken to again. I got nothing else in the mail and was ignored.     The second contact was initiated again by me, I emailed and then spoke on the phone to a  XXXX   XXXX  and he set up a conference call, which I had to cancel due to getting an interview for a job. I attempted to contact him  XXXX  more times and we never spoke. I never heard from him again. Dates :   XXXX   sent another packet of paperwork.     The third contact, again initiated by myself was to a  XXXX   XXXX  who I spoke to on the phone after calling on  XX/XX/XXXX  we also had an email exchange   XXXX   and  XX/XX/XXXX . Got no other reply, no request for paperwork, no offer for assistance at all.     A year went by and the amount hit my credit report as a write off on   XXXX   XXXX   XXXX  , still no paperwork concerning foreclosure and to this date the house is in my name, accruing taxes in my name and I do not have any deed or any other documents. I have left the area to find employment and now work in NC, however the house is vacant and I am highly concerned about squatters looters and vandals. I have no information whatsoever in order to tell the city about what is happening after they have called me looking for answers.     I reached out again to  XXXX   XXXX  on  XX/XX/XXXX  and  XX/XX/XXXX  via email after getting her on the phone and I never heard from her again.     This has been excruciatingly painful and has damaged my credit to an extreme amount. I have reached out time and time again and have been ignored. I need answers and help here. I feel completely wronged by Citimortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Exeter Finance Corp XXXX. XXXX XXXX XXXX, Tx XXXX Re : Letter to remove inaccurate inquiry credit information. 

To Whom It May Concern : I received a copy of my credit report and found the following item to be errors. 
Here as followed are the item in error. 

The following inquire needs to be removed immediately : Creditor Name : Exeter Finance Corp Date : XX/XX/2018
Product: Checking or savings account

I deposited {$700.00} cash of XXXX pieces of {$100.00} bills at Wells Fargo XXXX  at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX California last XX/XX/year>. The transaction didnt appear on my account and didnt print a receipt. Called Wells Fargo and reported the issue. Till now the issue hasnt been resolved.
Product: Debt collection

This company is repeatedly contacting my parents on their unlisted cell phone numbers. This needs to stop.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found multiple accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also realized that my information had been exposed in the Equifax data breach and ill provide proof of that as well. Please remove these accounts and inquiries from my credit report and as soon as possible. Thank you 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
Product: Debt collection

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XX/XX/XXXX to make the full payment as requested by the legal demand letter.
Product: Credit card or prepaid card

I had a friend use my referral link to apply for an American Express Business credit card on XX/XX/17 and be instantly approved. The referral bonus is supposed to be XXXX XXXX points that American Express owes me. I have since not received any points and I have contacted American Express about it multiple times. They originally opened an investigation and said it would be at most 4-6 weeks to get it resolved. It has now surpassed that and every time I call American Express, I am told that the investigation is still open and they will reach out to me within a week which never happens.
Product: Consumer Loan

I was told by XXXX XXXX that I could get a lower rate on my mortgage. While I was talking to loandepot to find out how much lower my rate could be, they put me on hold and did a had credit inquiry without my permission. I can not get it removed from my credit report now and it lowered my credit score for two years. Loan Depot does not respond to my calls or complaints.
Product: Debt collection

Since XX/XX/2020 I have reached out to this collection agency Valley Credit Services also known as VCS requesting for verification. Valley Credit Services responded saying it has been verified. I then asked them for a contract with my signature showing we have a contract to do business, they responded without a contract stating they will not respond again and by law they are not required to respond to my request of such. Secondly, Valley Credit Services VCS, report to the three credit bureaus different amounts to keep reporting one month they report {$610.00} the next month they're reporting {$610.00} and back and forth switching the dollar amount they are requesting. They are a debt buyer trying to collect money that's not owed to them and tarnishing my credit at the sametime.
Product: Credit card or prepaid card

In XX/XX/2022, I sold a XXXX XXXX XXXX XXXX on XXXX for {$1900.00}. The buyer then opened a dispute with his bank for " item not as described '' and was refunded by his bank the full amount. The buyer then listed the ( now stolen ) laptop on his own XXXX, with my exact listing, description, and photos, and sold the laptop for {$2000.00}. 

XXXX, attempted to collect {$1900.00} from me to settle the buyers fraudulent dispute. I had informed Bank of America that I had been scammed and asked them what to do. Bank of America, on my behalf, disputed the XXXX charge, and opened a new checking account from me so XXXX could not attempt to collect, and bank of America also blocked XXXX from taking money from my account. 

Fast forward some time, and XXXX is trying to send me to collections over the {$1900.00} that was wrongfully stolen from me. I called Bank of America and asked them if I should pay it, to avoid being sent to collections, and then dispute it, to extend the amount of time I have to work on this in small claims and avoid collections. Bank of America TOLD ME this would be a good idea, and they would help me through it. 

So I called back Bank of America, and they advised me " I SHOULD PAY & DISPUTE IT ON MY CREDIT CARD & NOT MY DEBIT CARD. '' Bank of America walked me through the dispute and filed it for me, and came back a week or so later and DENIED my dispute. 

The reason for denial is because " the dispute is against a 3rd party '' This hardly makes sense to me, the dispute is against XXXX, which allowed the buyer of my laptop to blatantly rob me, and XXXX helped the buyer facilitate the fraud against me, XXXX is trying to collect from me, not the buyer. 

Even if it was against a 3rd party, if I use my Bank of America credit card to buy Bananas at XXXX and dispute it, the bananas are made by a 3rd party... not XXXX What really bothers me is I would have never paid it if Bank of America hadn't advised it was a good idea. I would have not disputed it if Bank of America didnt tell me to. Bank of America told me to pay & dispute it on my credit card, and not my debit card. 

Bank of America told me after the fact, disputes against a 3rd party would have been covered if I had paid and disputed with my DEBIT card. 

I was completely mislead and lied to by bank of america. They misguided me and lost me {$1900.00}. It is the rep at Bank of America who TOLD me what do to and how to dispute it, THEY walked me through the dispute process, and wrongfully denied it on a technicality.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00} XXXX XXXX **** Balance Owed : {$890.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed XXXX {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving collection letter from mandarich law group for over four years trying collect on a debt that I do not believe is mine and even if it was mine statue of limitation on it has passed. even though I have been asking for debt validation on this account I have not been receiving no information on it. Also every time I look at my credit report I see illegal credit inquiry by mandrich law firm. What mandrich law firm is doing harassing me by their tactics to lower my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Resolution Follow-Up : Incorrect Balance Reporting Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against EXPERIAN, regarding their failure to accurately update my credit report. 

On XX/XX/year>, I submitted a dispute to the credit bureaus, requesting the correction of balances on my Department of Education loans serviced by XXXX, which I have fully paid off XXXX. I received confirmation from XXXX that the accounts are paid in full and provided supporting documentation during the dispute process. 

However, on [ XX/XX/year> ], the credit reporting agency responded, claiming the information was updated. Yet, upon reviewing my credit report, the balances remain unchanged and are still reflecting the original amounts as if unpaid. 

This inaccurate reporting is not only misleading but also detrimental to my credit standing. I believe this failure to properly investigate and update my information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer reports and promptly correct errors after disputes and opens EXPERIAN up to a Consumer Lawsuit in the process for inaccurate reporting.

I am requesting the Consumer Financial Protection Bureau in assisting to ensure EXPERIAN fulfills its obligations by : 1. Promptly correcting the balances on my accounts to reflect a XXXX balance. 

XXXX. Conducting a thorough investigation into this matter to ensure compliance with federal regulations. 

I have attached the following supporting documentation for your review : Confirmation from XXXX of the loans being paid in full. 

Copies of correspondence and the response from the credit reporting agency.

Thank you for your attention to this matter. I trust you will assist in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received notification on my XXXX and XXXX alerts on XX/XX/2022 of an alleged medical collection debt in which no prior correspondence received. I have sent certified letters on XX/XX/2022 requesting XXXX XXXX XXXX, XXXX and XXXX to verify debt and requesting copy of signed XXXX authorization to release information to 3rd parties. To date, no information has been sent to verify this alleged medical debt of {$1700.00} from Original Creditor XXXX XXXX.
Product: Bank account or service

My checking account with JP Morgan Chase was in the negative because of XXXX fees in two days. Also I was charged fees the week before and I always have a direct deposit. I attached my statement to show how many fees they charged. XX/XX/XXXX, XXXX fee, XX/XX/XXXX, XXXX fees, XX/XX/XXXX, XXXX fees, and XX/XX/XXXX, XXXX fees. I think this is excessive and I want my money back. It adds up to {$300.00} and I am on a budget, I can not pay that, they will not help me and they were rude on the phone. This has happened to me last year also and I did not get any help then either. I am trying to do the right thing but I can not catch up with them. I had to borrow money to pay them.
Product: Debt collection

Resurgent Capital recently reported a debt for {$2000.00} on my credit report. I never received notice from them about this debt before it appeared on my credit report, so I was shocked to find it there. I immediately contacted their office, and requested information about where this debt originated, and itemized detail of the charges, and explanation for why it was reported on my credit report prior to me having an opportunity to answer to the charges. Nearly two months have passed since I made this request, and I have received no response from Resurgent Capital. Nevertheless, they continue to report it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one bank XX/XX/2022 never applied for a loan fraud hard inquiry appeared
Product: Mortgage

This company cardinal financial told me to qualify for this mortgage I needed a larger down payment and everything would be fine due to the fact that my dti was too high Not true because I have next to no debt at all and they acknowledged that They strung me along and when I showed proof of the larger down payment they still denied me after stringing me along till I almost lost my escrow deposit I believe they discriminated against me because of my race