23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been battling with statements/phone calls to the XXXX credit bureaus for the past four years. I was in a XXXX marriage four years ago and have since never been late on anything, I have been told several items were deletedI have been battling with the XXXX credit Bureaus for the last three years, I have been on several phone calls and provided statements. There is several discrepancies on my credit report. From items that were supposed to be deleted to several ( XXXX ) recent inquires that were not approved thru me. I also still see rental property ( XXXX on my credit reports that were supposed to be deleted due to being in a very abusive relationship and I was in fear for my safety. My ex husband had all my personal information and manipulated several of my finances, I managed to start fresh and gain new credit and have maintained it very well, the problem I am facing now is that last XXXX I was applying for a vehicle at XXXX XXXX XXXX and asked that they only attempt once thru them, because I new how hard several inquires would be on my credit.. I was not real worried about not qualifying for I new my daughter would sign for the vehicle. I am now looking at my inquires and since XXXX 2014 I should have XXXX hard inquires which is XXXX XXXX XXXX XXXX XXXX XXXX I have heard that my ex spouse stated he will continue to make sure my credit does not succeed. I am please asking for a review of my Credit reports I do not know where else to do. It would be greatly appreciated if you could please guide me in the right direction. I recently this month paid down on a few of my credit cards to change my credit card utilization score, this is my first time trying it this way, I am really hoping to see results after three long YEARS.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} 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

My husband and I had a XXXX XXXX account from years ago that was overdue. It was sent to a debt collection agency named XXXX and was paid. XXXX XXXX, XXXX sent me a letter letter saying that they had aquired the debt but I sent the documents supporting the payment. They closed the case. Now they have sent another document trying to have my husband to pay this debt that has already been paid and has been proven to be paid. I can not get through to an agent and am sent to a voicemail which I have left in order to resolve this matter.
Product: Credit card or prepaid card

We received the attached letter dated XX/XX/XXXX indicating that Bank of America is closing our account. While they are within their rights to do so, they also indicated that they would continue to send statements as required. To date we have received no statements. When we tried to pay online, they had removed our access. We called and they told us that collections was in charge of the statements - our account is not in collections. We would like a convenient way to pay our bill online, just as every other Bank of America customer. More importantly, we expect to receive a statement every single month as Bank of America is obligated to do.
Product: Debt collection

On XX/XX/2019 I called Paypal credit to make payment arrangements, they told me my account was sold to XXXX XXXX XXXX XXXX, they gave me the number and I called them immediately and set up a payment arrangement of XXXX  a month, I made a payment that day and asked for a confirmation letter to send to me . I waited, no letter I called 3 times asking for a letter XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I finally received a copy of the original letter sent on theXX/XX/XXXX with a different amount of" willing to accept"  than a letter I received in the mail after our initial agreement .I made a payment on the XX/XX/XXXX. On XX/XX/XXXX I tried to log on and make a payment but could not log on,  on XX/XX/XXXX I called XXXX and they told me that Synchrony bank took the debt back . I call Synchrony bank and the agent said I owed the total amount i refused and said I had an agreement with XXXX and that is what I am going to pay, he would check into it and get back with me, as on XX/XX/2019 I have heard nothing. This is the second time Synchrony bank has done this to me.
Product: Debt collection

Happy Friday TSI / CFPB ; I been getting inundated & abusive phone calls from TSI for unknown alleged debts from XXXX XXXX and XXXX XXXX. I never had any relationship with any of these companies listed.. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be  immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing inaccurate information on my credit report my name, personal information and history is not correct and has not been corrected accurately. I sent all original high-quality images of my valid ID and SSN card, police report and FTC report XXXX mail with current address, current Credit report with all inaccurate Information notated and highlighted to TransUnion LLC and XXXXXXXX XXXX XXXX to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents. 

TransUnion LLC and XXXX XXXX XXXX are in violation of Title 16 part 602 sec 153, 154, 155 due to reinsertion of erroneous information which are results of Identity theft.
Product: Money transfer, virtual currency, or money service

Ive used XXXX since its inception via my Wells Fargo account and up until recently, was not informed by WF that funds sent to the wrong person were not retrievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX 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

The following ( XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( ELAN FINACIAL SERVICE  XXXX Date Opened XX/XX/2012 Balance {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX + Account Number : XXXX ( Partial Account Number ) XXXX + Account Number : XXXXXXXX XXXX + Account Number : XXXXXXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX + Account Number : XXXXXXXX XXXX XXXX XXXX XXXX + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Credit reporting agencies are not allowed to report items on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 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 an account without my written instructions.

I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX
Product: Mortgage

I recently incurred a loss on my home. The loss was repaired and my insurance company sent me a check for about {$5600.00}. The check was made out to me, my wife, HSBC ( 1st lien holder ) and XXXX XXXX XXXX XXXX ( " XXXX '' ) second lien holder. 

As HSBC is the first lien holder, they informed me that I and my wife had to endorse the check, which we did, and then XXXX needed to endorse the check. I followed XXXX 's process for getting an endorsement in which they use a stamp and do not imprint a " wet '' signature. I then sent the check to HSBC per their process instructions. 

HSBC called me today to tell me they have mailed my check back to me ( regular mail with no tracking ) instructing me, the customer, that I have to go back to XXXX to get a wet signature. As part of what was the worst call I have ever engaged in, HSBC refused to tell me what signatures they would accept. I understand they can not dictate names, but all I asked is that THEY contact DCU to find out who was authorized and what officer title they hold. I wanted to be as sure as I can that I am not in an infinite loop going back and forth trying to conform to potentially incompatible processes. 

In the end, HSBC disconnected my call via sending me to an unnamed voicemail account that belonged to a XXXX  ( work initials XXXX  ). The call supervisor I spoke with, XXXX ( work initials XXXX  ) was completely unprofessional, lied to me multiple times, and was throwing as many road blocks in front of me as possible to make this as hard as possible. Meanwhile, I am out {$2800.00} from paying the contractor who fixed the loss 50 % up front. And the contractor is out {$2800.00} because HSBC is making this process as difficult as possible. 

I find it ironic that they are doing this when HSBC made it so easy for people from XXXX and XXXX XXXX XXXX to launder money through their bank ( for which they were fined ) but XXXX didn't know anything about this. 

I ask that HSBC please be held accountable for this atrocious behavior, policy/process and overall customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters regarding this erroneous and inaccurate account that is being reported on my consumer credit reports. On XXXX XXXX, XXXX I sent out a notarized request to Block of Information letter, along with my FTC report, a copy of my credit report, proof of my identity, along with section FCRA Section 605B, 15 USC 1681c-2 which was sent through certified mail. The company received my package on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX. I have given the company the required time to fix and resolve the problem but it has not been fixed. The account is still showing up on consumer credit report as closed off account.
Product: Debt collection

I received a phone call on XX/XX/XXXX from Comenity bank in regards to my XXXX XXXX  credit card payment. The representative informed me that I had a late payment, and he was absolutely correct. On XX/XX/XXXX my payment of {$35.00} was due but I was out of the country therefore I didnt have access to the internet to make my payment. The representative said that I had a minimum payment due for {$93.00}. I told him that the {$93.00} must be including a late fee and my XX/XX/XXXX payment and I asked if I could have that late fee forgiven since I am not typically one who misses payments. He told me if he was able to get my late fee waived would I agree to pay {$93.00} ( misleading statement ). I told him no, I agreed to pay my XX/XX/XXXX payment only if he was able to remove the late fee. He then again tried to lie as if my balance didnt include a late fee and {$93.00} was the minimum payment due on my account for being 12 days late. I told him that was incorrect, I agreed to pay {$40.00} for my XX/XX/XXXX payment. 

He then came back on the line and said that his supervisor approved him to waive {$15.00} of my minimum payment, did I want to pay my payment and the rest of my late fee with check or debit card. I asked how much was my late fee because I didnt want it to roll over to my XX/XX/XXXX payment. He gave me the amount which was more then the minimum payment due! I told him I wanted to speak with a supervisor to see if they would waive the whole payment and that I didnt appreciate him giving me misleading information as if my minimum payment due was {$93.00} just for XX/XX/XXXX 's payment. He came back on the line and said if they agree to waive my full late charge would I agreed to make the {$40.00} payment right now on the phone with debit or checking acct. I told him yes I would with debit card. He came back on and said they waived the late charge and go ahead with my bank information to pay the {$40.00}. After I provided him the debit card information he said he couldnt accept a debit card payment I needed to give him my checking information. I then asked him why did you ask for my debit card information if you can not accept that form of payment, and now youre asking for my checking information this felt like a scam and as if somebody was going to use my information fraudulently. And I then requested to talk to his supervisor again. He told me If I wanted to talk to his supervisor about my concern he was not going to waive my late fee. So I told him he needed to run my card payment for this transaction, I was not going to give my checking information, and at this point in the conversation I was willing to take the risk of not getting my late charged waived and wanted to talk to the supervisor. He then processed my payment for me. And gave me my approval information, but then asked if I still wanted a supervisor. I told him absolutely I did! 

Unfortunately I wasnt able to continue to hold on the line we had family unexpectedly show up at the house. However I am a little concerned about the representatives that we have to give our information to. Also, about the misleading information I was provided.
Product: Debt collection

I was contacted by mail from a debt collection agency named XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, about a PayPal debt sent to them as a collection. This account was evidently opened using my name and address in 2022, but it was not me that opened it. From the email address that showed on the letter from Pay Pal, it was clearly identify theft. They claim I owe {$420.00} for a purchase I never made, and have sent two letters demanding payment. The first I knew of this issue was after being contacted by the collection agency, PayPal never reached out to me by mail to validate the account or purchase. NOTE, the XXXX XXXX reference number is XXXX.
Product: Payday loan, title loan, or personal loan

Ask why was i being charged intrest only when principal of loan has not gone down at all. Only thing they said is to continue to pay and principal will go down loan was supposed to be paid in full according to terms. I ask for balance and i am denied account balance ive never been late.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX  accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. XXXX continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 XXXX  forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. TransUnion, XXXX state to contact the banks with no resolution otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FAIR CREDIT REPORTING ACT, XXXX, XXXX, & Transunion are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  use 
XXXX
XXXX  XXXX  
XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX/XXXX
XXXX  XXXX  XXXX  XXXX

not mine 
and address not mine 

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: Student loan

I keep getting emails from navient saying they will offer forbearance and/or hardship. I am confused as to why they are emailing me about payments and they are no longer in the business with student loans. I got several emails stating they want a payment or it will be turned over to the 3 credit agencies. Payments are even at a halt so why are they asking for money. Advantages is the new company. I do have emails to back it up Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Card was stolen XXXX and XXXX purchased XXXX products. Wells Fargo would not acknowledge my request to return the funds or find the perpetrators.