23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got a bill from Comenity about a {$3.00} charge on a card I no longer have and have not used in years. I spoke to someone months ago that said they would cancel the card me close the account and I was not responsible. Then I got another bill. I figured it took a month to resolve. But I got another bill with interest and penalties. I wrote a letter to Comenity. They sent me a response letter dated XXXX XXXX, that they were researching the issue and to please allow them 90 days to resolve the issue. I had no issue with that until, now they have me as delinquent over 60 days at every credit bureau and that I now owe them {$60.00} for that {$3.00} disputed fraudulent transaction. It has caused my credit score to plummet. I have had no delinquent accounts in many years and this has single handedly caused irreparable damage to my credit. This needs to be resolved immediately and removed from my credit. I dont have this card. I havent used this card. I told hem immediately and they keep dragging their feet and charging me extra fees while damaging my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires from XXXX on XX/XX/XXXX I never applied for credit. I never applied for credit on XX/XX/XXXX with XXXX. I also have inaccurate information reporting. Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate is inaccurate, Account # XXXX is inaccurate. Comenity/ Layne Bryant XXXX I never applied for credit with this company on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Unresolved Cash App Transaction - Transaction Number XXXX Dear CFPB, I am writing to file a complaint regarding a transaction issue with Cash App. On XX/XX/year>, at XXXXXXXX XXXX, I accidentally sent {$400.00} to an incorrect account. Upon realizing the mistake, I contacted Cash App five minutes later, at XXXXXXXX XXXX, after being prompted to request a refund. My friend then informed me that the account, XXXX XXXX, was his old Cash App account that had been closed. According to him, Cash App closed his account, which has prevented him from accessing the funds. 

In addition to my efforts, my friend, XXXX, the former account holder, was also in communication with Cash App to assist in getting my refund. Despite our attempts, the issue remains unresolved. 

The transaction number for this case is XXXX. I would appreciate any assistance in recovering my funds. 

Thank you for your attention. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo seems to be engaging in unfair and deceptive practices. They [ lace property for public auction and quietly bid against member of the public thereby inflating the price that a member of the public would have to pay for any specific property. Wells Fargo should not be allowed to bid for properties they put out o the public for auction. I won a bid for a property in XXXX XXXX XXXX, XXXX, RI XXXX on 3 different occasions and was advised that I was the winning bidder and provide proof of resources ready to close the transaction. On each occasion, Wells Fargo declined the transaction and put the property back in the auction. When I inquired as to the reason why is process I occurring, I was advised that the delay in closing the first transaction was because they were investigating whether I have ties to any foreign organization. Subsequently on the third declination I inquired of XXXX as to the reason for this challenge and was advised that Wells Fargo authorized the auction company to bid on their behalf and on last occasion since I was the highest bidder and was denied the opportunity, I inquired again and was advised that Wells Fargo is allowed to do that and its their policy. This is a deceptive practice on the part of Wells Fargo. They should be compelled to disclose that they are a part of the bidding process. The same applies to XXXX XXXX, now XXXX XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, MA. Any lender should be required to disclose that they are participating in the auction process or otherwise should not be able to participate.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX XXXXXXXX Account XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge XXXX Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year>
Product: Mortgage

I had a loan opened XXXX XXXX with Beneficial for the property located at XXXX XXXX XXXX XXXX. The house was sold and the loan paid off IN FULL XXXX, XXXX. I have copies of closing title documents to support this. For unknown reasons, Household Finance Co ( FKA Beneficial ) posted the EXACT SAME LOAN amount and are showing it as current for an unsupported balance of {$62000.00}. They first posted this to my credit reports XXXX, XXXX, a full 7 years since the sale and payoff dates. Because of this, I can not obtain a new mortgage loan. When I contacted HFC, they could not explain to me how they arrived at this number, nor why they are showing it as " current '' though XXXX payments have been made to them towards this allegedly owed amount. I think they are listing it as CURRENT in an attempt to toll the 6 year statute of limitations in the State of Oregon to seek legal remedy for an implied breach of contract.
Product: Vehicle loan or lease

I XXXX XXXX formally XXXX in 2021 went to premier auto of XXXX AZ to purchase a used car. I was informed my credit was low and needed a co- signer I have reached out to my sister XXXX XXXX who agreed solely to co-sign. 
I in office filed out the buyer information as my sister lived in CO a later date she signed Co-signer but never received a copy of any formal documentation. 
Payments were made but I was uninformed they were not accepting them and defaulted me in response with a repossession. 
I presuming I am stated as buyer as I signed that form was informed I was placed as a co-sign. This is illegal. 
Both I and my sisters names where moved in spots on a digital copy I received at a later time and once questioned the dealership would not responded nor the XXXX XXXX bank who approved a fraudulent loan. 
Now XXXX is perusing legal suit in a closed collection on my sister the original and only co-signer with a second and altered contract that does not match my already fraudulent contract. I want them to be looked at for unsafe credit act use and wrongful use of lending practice.
Product: Debt collection

I filed a previous complaint about Convergent Outsourcing back in XXXX of 2021 because they were attempting to collect a debt that was already paid and should have NEVER been in collections. CFPB erroneously closed that complaint and since then I have received horrible and illegal treatment by Convergent Outsourcing. After confirming that my debt was paid, Convergent Outsourcing is now attempting to extort me for {$110.00}. 

Convergent Outsourcing is claiming that if I pay this amount then they will recall the debt and remove it from Credit Bureaus. I would like to note that Convergent Outsourcing themselves claimed in my previous complaint with the CFPB that this debt was PAID IN FULL to the original creditor. Therefore, they should have never reported it to credit bureaus since they do not, and have never, owned the account. Now, even though the balance I owed the original creditor was PAID IN FULL, they are attempting to extort me to get it removed from my credit report. This is illegal and my rights are directly being violated by Convergent Outsourcing. I have consulted with legal counsel and I intend of pursuing legal action to the fullest extent of the law if the CFPB does not rectify this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. XXXX XXXX XXXX XXXX XXXX provide statements to the consumer reporting agencies and myself showing the corrected mailing address?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in Violation of FCRA rules section 1681. For continuing to report an inaccurate inquiry on my consumer credit report. 

Company name : XXXX credit card services no permissible offer was presented, no loan or credit has been awarded. This is a violation of FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX bought an auto debt from XXXX XXXX. Despite at least three ( 3 ) challenges to the debt as reported, in excess of {$20000.00} it is reported, and for a product that I do not have and have not had that dates back at latest to XXXX in going late, XXXX XXXX XXXX continues to report as though the original debt, for an automobile, is recent, as in XXXX or XXXX and as a result, it is forever/never falling off my credit reports to Experian, XXXX, and XXXX. The vehicle was repossessed. I have asked the credit reporting agencies have XXXX XXXX produce the orginal note/debt as proof when contacting the credit reporting agencies to challenge information inaccuracy, particularly the dates on my report and the amount of the debt, especially since the personal property was recovered and resold, but nevertheless, every time I dispute, the credit reporting comes back that the debt is verifiable. It is frustrating, it is wrong, and it is adversely impacting my credit score, and it has been doing so for years. I know the debt as listed is untrue based on amount and based on credit age. I know this to be untrue, because I know when I did original auto loans and when things went wrong. One was in XXXX and the other was in XXXX. Pursuant to the Federal Credit Reporting Act, debt falls off after 7 years, generally. I have not been in touch with anyone from XXXX XXXX directly, and I do not intend to be. However, I have disputed this through the credit reporting agencies on at least 3 occasions. It is not right that the credit reporting agencies work in concern with this company to wrong consumers by keeping inaccurate information on credit reports and adversely impacting lives. I want XXXX XXXX 's listed debt removed from my report, and I do not wish to be in touch with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 State, I have the right to privacy.

15 USC 1681 Section 604 State A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Transworld system placed a collection on my credit report in XXXX off XXXX from a collection that supposedly took place on XXXX XXXX. I have never been informed of this account. It also has a natural disaster remark on it and I have never been affected by a disaster. I have tried calling the company several times with no answers or response just their voicemail. They will not return my calls. I do not see how they can just add something to my credit from three years ago without any notice to me that a bill was owed or for me to verify that it is even my bill.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open in 2010 and was paid in full, still shows in my credit report as a negative impact and i am trying to remove from my credit report.
Product: Debt collection

I try to pay XXXX dollars on my account due to my situation and how I can pay them and they refused my money and said they wasnt taking it and i talk to XXXX the call rep XXXX XXXX XXXX and they both denied my payment so how could I get this settled if they not taking a payment
Product: Credit card or prepaid card

I received a promotion in the mail to spend a certain amount and receive an extra {$20.00} statement. The promotional credit was due and has not been paid.
Product: Debt collection

Threatening telephone calls, calling my cell, home and work phone every 30 minutes from XXXX XXXX until XXXXXXXX XXXX and on weekends, using obscene languages. 
Contacted three of my relatives and a friend to discuss my business. Repetitive calls and text messages to the at the home and place of employment when they have nothing to do with their agency. They have all requested that Spire Recovery cease contacting them but they have continued to contact them on a daily basis. It has gotten worse. I contacted Spire and requested verification of the debt, original lender and amount due. I was informed that the information will be mailed to my permanent home address 3 months ago, but it has not. I requested again three weeks ago snd still havent received anything from the company. I asked if it was a legitimate company and the rep laughed but neglected to respond. She insisted that I pay {$30.00} on the date of the conversation and {$200.00} every 2 weeks. I responded that I dont have that kind of money as a retiree. She demanded that I pay the {$30.00} and she sent in the draft for Eft with my bank without my consent and it was returned by my bank. I contacted Spire and advised that I did not grant consent to withdraw the funds. The response was that due to me providing payment of the {$30.00} was consent to draft future payments. I informed that wax not the case and that she was providing misleading info in an attempt to collect a debt that I do not owe to spire recovery. I informed her thst I will not consent to someone over the phone without legitimate documentation.
Product: Student loan

It is my understanding that the federal government has set student loan interest rates to 0 % from XX/XX/XXXX to XX/XX/XXXX. 
I have contacted my student loan servicer to inquire on why they continue to charge me me interest on my federal student loans and I'm getting no where. 
In addition, I have previously sent them written instructions on my overpayments should be applied, but they keep applying them to future interest as opposed to to principle payments.
Product: Debt collection

This is my third attempt to investigate into this matter with this company I asked this company for the signed contract. I have yet to receive anything in the mail I have sent everything certified mail asking and I verify my identify.
Product: Debt collection

I had a Capital One credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called Capital One with the hope to get a resolve my balance and prevent any legal collection. 
During my call with Capital One I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the Capital One representative answered he cant settle for that amount but will ask for an approval, He asked for some for Capital One approval or decline my offer. 
After a few days of waiting, I called Capital One asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named XXXX XXXX  XXXX, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for Capital One approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( Capital One ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.
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 privacy and confidentiality under 15 USC 1681. 
Accounts ; [ XXXX XXXX ( XXXX ) ] [ XXXX XXXX ( XXXX ) ] [ Affirm ( XXXX ) ] [ XXXXXXXX XXXX  XXXX XXXX XXXX ) ] [ Credit XXXX Bank XXXX XXXX ) ] [ Dept. of Education/XXXX  ( XXXX ) ] [ XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX  XXXX ) ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ]
Product: Mortgage

I have had insurance coverage on the mortgaged property outside of escrow since XX/XX/XXXX with no lapse in coverage. The coverage amount is {$50000.00} with a {$5000.00} deductible. 

XX/XX/XXXX I received a letter from Mr. Cooper stating I was to be receiving forced placed insurance. I had insurance through my agent outside of escrow and the insurance documents had been uploaded to their server. The system they use to apply forced placed insurance is tailored to benefit the application of forced placed insurance and put the burden of proof onto the customer. 

In XXXX of XXXX I received a letter from Mr. Cooper stating my maximum deductible needs to be 5 %. I have asked for this guideline to be proven in writing from our original contract. I asked in an internal message system on XX/XX/XXXX, and twice on XX/XX/XXXX. I have yet to receive anything in writing proving this guideline. It does not exist. Therefore, this company is enforcing higher insurance cost onto their customers through arbitrary means. 

In a phone conversation XX/XX/XXXX Mr. Cooper called me to talk about the insurance deductible of 5 %. The agent had no written proof and said it's the system that generates the infraction and there's nothing they can do about it. The system is created by Mr. Cooper or affiliates therefore there is everything they can do about it. It comes down to arbitrary application of guidelines which cost the customer more money and benefit Mr. Cooper and it's affiliates. 

Also Mr. Cooper 's practice of arbitrary actions cost me time in having to deal with their actions. Additionally I have to pay for items placed on my account for fear of being reported to credit agencies for default payment. 

Thank you for your time in review. 
.
Product: Debt collection

I hope this message finds you well. I have identified a discrepancy in the payment history for my account XXXX XXXX XXXX XXXX. After reviewing my statements, it appears that there is an error reflecting late payments.