23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Continul robocalls day and night. This Affilate Solutions received the Account from Pendrick Capital Partners II. These calls began just before XXXX. The letter I received from Affiliate is dated XX/XX/XXXX. The date of service was allgedly XX/XX/XXXX at XXXX XXXX XXXX which I would never use. My XXXX doctor would use XXXX XXXX or XXXX XXXX in XXXX, TX. As I was never billed contacted the numbers they have called from and was told that they have no record of my service. I called again today and looked at the XXXX XXXXl records and there is no bill there. I can not due to being XXXX   attach documents but I have 1 letter and a photoshot that shows the account can not be found. I was robbed and all my personal info went with the thief. Since this just began believe someone has stolen my identity and used it for medical treatment. I have found alot of negative issues regarding this agency and I know they must have dragged something  somewhere, I don't know.
Product: Student loan

Hello, I am XXXX XXXX and I have been paying my second loan starting on XX/XX/24 to XXXX. Each time I made a payment, it would say payment reversal. On the XXXX of XXXX, I called my bank to approve a large payment of {$4400.00} and that also got reversed. I know it is not a bank issue, because when i called them, they said I had 24 hours to make that large payment ( which I did make ). It is upsetting because my interest is increasing and it also make me appear irresponsible, it is out of character for me to have late payments. I loaded up some screenshots down below, I hope they appear and I hope that you are able to assist me and possibly reach out to ed financial. Thank you for your time.
Product: Debt collection

Do not know what this debt is. Tried to contact debt collection company but no luck. No way of contacting.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, all my credit cards ( Sears, Macy 's and Best Buy ) were suddenly closed. The told me that their decision was based on information they received form Citibank. When I wrote Citibank Citibank asking for the reason, they said, " You have the right to close your account and we also have a right to close your account and we have chosen to exercise our right ''. This does not give me the real reason! 

Secondly, after sometime, I decided to try and apply for credit card with Macy 's and received the attached denial letter, apparently from Citibank and it's affiliates! 

Please help me to find out why this is happening when my credit is good at the three credit bureaus.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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. 
XXXX
Product: Credit reporting or other personal consumer reports

Khol 's Account XXXX XXXX on my credit report has been reporting inaccurate information. On my credit report this account was been reporting late but has also been reporting closed since XXXX. Sent a letter requesting proof of debt and never received a response, submitted a letter stating reason under 15USC 1692G. Validation of Debts. This is a violation of my consumer rights, this account need to be deleted from credit report due to inaccurate information, this account is still on my credit report with wrong information.
Product: Credit reporting

I repeatedly asked Equifax to remove the Tax lien from my report. XXXX XXXX did it. Equifax not.
Product: Credit reporting, credit repair services, or other personal consumer reports

**If its anything over {$1.00} they are to return the money PERIOD!

( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; B. refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) C. make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXX XXXX XXXX XXXX XXXX Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required. 
XXXX XXXX executor, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.
Product: Credit reporting

Requesting the removal of hard Inquiry dating XX/XX/2015 on my Equifax report from FIA/CS. The lender in question in written correspondence attached, has no knowledge of it. Please have it removed as soon as possible. .
Product: Credit card

For online automatic payments, Chase only offers the option to pay the minimum monthly payment or the full balance. There is no option available to automatically pay more towards the principle ( minimum + additional toward principle ). Chase, on a monthly basis, sends balance transfer / promotion checks to customers enticing them to borrow money against their available card balance. To me, this is a classic " repayment trap '' designed to get customers to transfer balances to their Chase card, then by not providing an option to pay more than the minimum monthly payment in order to expedite the repayment of the principle, Chase is able to collect more interest on higher credit balances. The customer must manually adjust the " automatic '' payment in order to pay additional principle on a month by month basis, which hardly seems convenient or automatic.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report TransUnion for failing to correct inaccurate information on my credit report, which directly led to the denial of a critical vehicle loan with XXXX XXXX XXXX XXXX ( Application # XXXX ) on XX/XX/year>. This denial has caused significant hardship, as I rely on a vehicle for essential work and family obligations. 

Background : On XX/XX/year>, I filed a dispute with TransUnion ( FTC Report # XXXX ), contesting inaccurate and unverifiable information on my credit report. TransUnion failed to take the legally required steps to investigate or correct the disputed items. While they placed a fraud alert on my account, this action was grossly insufficient to address the core issues. 

XXXX XXXX XXXX XXXX cited TransUnion as the source of the inaccurate data in their adverse action letter, which ultimately caused my loan denial. The denial has resulted in undue financial hardship and emotional distress, as I am unable to secure the vehicle necessary for fulfilling work responsibilities and providing for my children. 

Violations and Negligence : 1. Failure to Investigate : TransUnion failed to conduct a timely, thorough investigation into my disputes, as mandated by the Fair Credit Reporting Act ( FCRA ).

2. Failure to Maintain Accuracy : TransUnion continues to furnish inaccurate information that they could not validate, despite clear evidence of its falsity.

3. Violation of Consumer Rights : By neglecting their legal duties, TransUnion has denied me my rights to life, liberty, and the pursuit of happiness, as I can not access necessary credit for basic life functions. 

Impact : This negligence has caused the following damages : I was denied access to the transportation essential for work and childcare. 
The continued presence of inaccuracies has tarnished my creditworthiness and financial stability. 
The emotional and financial toll has been profound, affecting both my mental health and my ability to support my family. 

Actions Requested : 1. Immediate Investigation : Conduct a comprehensive review of the inaccurate data on my credit report and provide detailed findings.

2. Correction of Errors : Remove or rectify the disputed information immediately.

3. Accountability : Ensure that TransUnion is held accountable for their noncompliance with federal law.

TransUnions actions ( and inaction ) have not only violated the FCRA but also caused irreparable harm to my financial and personal life. I urge your agency to take decisive action to ensure accountability and prevent such injustices from recurring. Additional credit reports from XXXX and XXXX, which do not contain the same inaccuracies
Product: Checking or savings account

I received a {$20.00} maintenance fee on my checking account this month which violates Truist 's banking policy. Every month I receive more than {$3000.00} IN DIRECT DEPOSIT from the VA. I am a XXXX XXXX XXXX veteran. I have been getting this deposit for years. Truist customer service claims I did not get the VA money on XX/XX/XXXX which I clearly did because it is on my statement. The money was clearly deposited by the US government on XX/XX/XXXX. They lied and refused to return my money. This bank steals money from veterans and their call center is not in the US. You will get no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report. I am a victim of a data breach, and these inquiries were made without my consent or authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, I have a mortgage account with Webster bank. I have noticed a calculation error on my escrow account, whereby the account is reflecting a shortage and requiring an additional payment of {$2000.00} each month. I have called XXXX 5 times to correct this and havent been connected to someone who is knowledgeable in Escrow. This is a very big issue as I will be liable for an additional payment of {$11000.00} over what I am supposed to for the year due to clerical error and XXXX has been unable to help me resolve it. 

Best, XXXX
Product: Checking or savings account

I received a forward letter stating an account that was opened at Wells Fargo will be closed XX/XX/22 because it didnt match up to an internal/ public records result.
Product: Credit reporting or other personal consumer reports

Approximately a week ago I filed disputes in regards to aliases and old addresses with the credit bureaus Experian and XXXX. I asked them to remove inaccurate information and I provided my California identification which provided my accurate address and correct spelling of my name I said in the dispute please remove all other variations of my name or aliases and please delete all addresses not reflecting on my California license or ID
Product: Debt collection

Barclays Bank Delaware constantly calls me late at night and demand I resolve this debt. 

This company is not licensed in the State of Indiana to collect debts or any collections. 
Please see the attached file describing the search and no data found for this company. 
This collection agency is violating State Licensing Requirements
Product: Prepaid card

XX/XX/year> @ XXXX XXXX. {$18.00} 6 times at XXXX XXXX, it never went thru while I was there. meaning I walked out with no pizza. I have tried to get this refunded for almost a year. Amex nor merchant will help, both say purchase went thru. Amex claims I filed a dispute and they denied it. I never received proper paperwork to file dispute although I called almost daily for 2 months straight. was told wait up to 120 days. I will not let this go as I did nothing wrong and stealing from someone is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!
Product: Checking or savings account

On XX/XX/year>, two charges were debited from my checking account, both from the same merchant. XXXX XXXX XXXX XXXX processed a charge in the amount of {$56.00}, and {$56.00}. I only authorized one of the charges and called Chase to dispute the other since no goods or service was provided to me personally for the second charge. Chase provided a temporary credit. On XX/XX/year> Chase reversed the credit and caused my account to overdraft, putting my account negative. I called and spoke to two representatives and demanded to have the credit placed back into the account since it's obvious that the merchant is making unauthorized charges. Chase refused to uphold my federal banking rights to effectively dispute erroneous charges through my Visa debit card.
Product: Mortgage

Received notice that monthly mortgage payment would be increasingly significantly beginning in XXXX. I switched insurance and cancelled existing policy bringing down the insurance premium. I am currently paying the new insurance out of pocket. I am going on XXXX months of trying to reach customer service and the insurance department of Fifth Third Bank without any success to resolve insurance and escrow discrepancies.
Product: Mortgage

My mortgage company informed me of a balance of XXXX + fees on my mature loan XX/XX/XXXX. I have had contact every week with Ocwen since XX/XX/XXXX.Litton Loan turned my loan over to Ocwen XX/XX/XXXX.Ocwen is pushing for me to Modify loan without explaining fees and balance. I requested and received a payment history with dates and figures scattered out of chronological order-XXXX pages to be exact. I color coded dates/figures to find out why Litton and Ocwen has charged me late fees during forbearance agreements that they set up. I thought HUD was my protection against any agreement to charge fees that was not written? There are at least 3 years worth of forbearance agreements with late fees for each month consecutively. In addition, an average of XXXX lockbox fees are on each of the XXXX pages, plus prior servicing fees that no one can explain. My case is now being looked at by Ocwens research dept. Did Litton set me up to accumulate fees on purpose? Are there systems that out of date that a mistake was over look? Ocwen had their Ombudsman look at my initial concerns and said there was no errors found. Basically, XXXX XXXX Office of the Consumer Ombudsman sent a copy of my original loan plus a modification packet for me to modify loan. To date Ocwen will not take any monies except for the amount I mentioned. Do I have any HUD protection?
Product: Credit card

I called to negotiate a credit payment. I was asked how much I was able to make and put in my payment. They said they were going to put me on a program so I could work on paying off my credit card. They said they were lowering the interest and they were going to accept my lower payment. I received a phone call this morning saying I had n't paid the full amount and still owed money. This was news to me since I was under the understanding that the amount I had put in was fine. Now my minimum payments seem to be higher than before I called. I 'm really frustrated because I feel like I was lied to when I called to negotiate so they could get more money out of me.
Product: Debt collection

On or about XX/XX/2020 I learned about an account that I don't recognize that is listed on my credit report ( s ) i then contacted the company that place the item for collection and now is currently reporting the derogatory and negative information on my XXXX, XXXX XXXX and XXXX  Credit Report ( s ). The company mentioned an address that I do not recognize and a different name however the account doesn't belong to me and wish to have this item removed from my credit report as it is not valid and is being reported as a result of misinformation, fraudulently as per the FCRA, FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are aware, on XXXX XXXX, 2017, Equifax disclosed that it did not properly secure financial data of millions of Americans and as a result my information was improperly accessed by third parties.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> MY ACCOUNT WITH SYNCB /CARE CREDIT AND SYNCB / CAR CARE DISC CHARGED OFF BOTH ACCOUNTS, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of identity theft, which has led to several fraudulent entries on my credit report. These 5 unauthorized accounts and 19 inquiries were added without my knowledge or consent.

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already submitted a formal report to the Federal Trade Commission ( FTC ) regarding this incident and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Experian continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Experian have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and TILA laws and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

sincerely, XXXX XXXX
Product: Mortgage

I have contacted Loancare over and over again and asked for a call that is not a generic toll free number and does not go to the right people. I believe that they are ignoring me and have decided not to give me the modified percentage to what the market reflects at this time in an attempt to continue with predatory percentages and pricing. I have sent payments, 4 letters to CEO XXXX XXXX COO and some administrative consumer person asking for assistance. I get generic letters 2 pages long which do not address any of my questions and requests. My interest rate is 4.5 % and we should be able to get it to 2.75 % based on current offers. This is an abuse of their own rules which offers a modified rate program and since my wife and I have FICO scores in the XXXX range we easily qualify. I continue to wait for an answer and an offer but we are not going to wait any longer and will take action if you can not help us. We are also prepared to pay down the existing loan by {$40000.00} to show good faith now that we sold another property.