23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with a representative on XX/XX/XXXX XXXXabd told them of my situation and why I currently can not pay a single dollar. I do not work. I don't have any means of being able to work. I have a possible opportunity coming up to work from home and training may start next month. Since that conversation I have recieved 8 phone calls. Nothing has changed and won't until possibly next month to recieve any money but yet these collectors keep calling me.
Product: Credit card

I am writing this today, XX/XX/year> at XXXX ET. As of this writing I have received 4 emails that refer to FORTIVA CREDIT CARD. I have not applied for a FORTIVA CREDIT CARD. I have not given permission for anyone to apply for a FORTIVA CREDIT CARD in my name. 

When I called the number given in the first email, the electronic voice system asked me for my social security number. I was not willing to give my social security number. There was no other option to bypass this request. I would like to attach the emails so that someone there at Consumer Finance protection bureau can see them. 

There are 4 emails sent from XXXX 1. Subj : Consent to Receive Electronic Disclosures Date : XX/XX/year>, XXXX ( ET ) 2. Subj : Fortiva Verification Code Date : XX/XX/year>, XXXX ( ET ) 3. Subj : Fortiva Verification Code Date : XX/XX/year>, XXXX ( ET ) 4. Subj : Fortiva Verification Code Date : XX/XX/year>, XXXX ( ET ) The 1st email had an attachment. I did not click or download the attachment. 
The 2nd, 3rd, and 4th email had different verification codes in them. 
The email included the following message : " Below is the verification code required to confirm your Email Address Contact. '' I did not use any of these verification codes. I did not respond to any of these emails.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report involving XXXX XXXXXXXX XXXX. The bank has inaccurately reported me as an authorized user on my late grandfathers credit card account, which I have never been added to in any capacity. My grandfather attempted to resolve this matter prior to his passing by contacting XXXX XXXX  XXXX to remove my name and correct the error, but his efforts were met with unwarranted obstacles. 

Despite providing all necessary identification, including his Social Security number, drivers license, date of birth, address, and the old credit card number associated with the account, XXXX  XXXX XXXX refused to honor his request. They claimed that he needed to verify a new card they alleged he applied for and received, but my grandfather insisted he never received any such card. Further, the bank would not allow him to file a formal dispute or escalate the issue. 

This situation has caused unnecessary harm to my credit and reflects a failure on the part of XXXX XXXX XXXXXXXX to properly investigate and rectify their reporting error. I kindly ask for your assistance in ensuring this matter is resolved, the inaccurate information is removed from my credit report, and XXXX XXXX  XXXX is held accountable for their handling of this issue. 

Thank you for your time and attention to this matter.
Product: Debt collection

My Name is XXXX XXXX XXXX, this is the 2nd time within 6 months I am requesting this debt collection is removed. The company acknowledged it in not mine but has sent a collection notice again. I am formally requesting that you validate all trade line notations you have submitted to the major credit reporting agencies ( XXXX, XXXX and XXXX ), based on the account information and any additional information of this account from the Department of Human Services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX {$560.00}. Due to possible inaccuracies in these CRA reports, I must demand a validation. I hereby lawfully request to be in formed through a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. Please note that by law you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. Current Address : XXXX XXXX XXXX XXXXXXXX, TEXAS, XXXX
Product: Debt collection

I received an alert from XXXX XXXX on XX/XX/XXXX about a Collections account in the amount of {$1400.00}. The creditor is XXXX XXXX. Collection company is The XXXX XXXX XXXX L. I used to live at XXXX " XXXX Drive from XXXX. In XXXX XXXX, XXXX was contacted via mail and email to cancel the account. I did not receive a response or a bill from XXXX to XXXX. When I moved from that location all mail was forwarded to my P.O. Box. I never received any collections or bill pertaining to my account. My email is still the same. My original account was through XXXX. I received an alert from XXXX XXXX today XX/XX/XXXX stating that I paid {$1.00}, in which I didn't. Please look into this. Thank you
Product: Mortgage

My finance co. Is trying ito make me pay an extra year of escrow. Selene Finance said they can charge what ever they want. I do n't recall that being within the terms of my contract agreement when I got my FHA loan. The extra they expect exceeds my income limitations. It will bring me extreme hardships.
Product: Debt collection

Settlement amount was agreed upon & paid. 
Lawfirm assured me that a satisfaction of judgment would promptly be filed with the court. 
It's been almost a month since the payment was made. Judgment still remains. Attempted to telephone Stillman Law Firm but was unable to speak with a representative due to heavy call volume.
Product: Credit card

Regarding Case number : XXXXI just recently found out that Barclays Bank was withdrawing monies from my account without authorization from XX/XX/XXXX to XX/XX/XXXX. I was a full time student, unemployed, and going through the Home Affordable Act at the time this all happened. According to my bank these payments were taken via ACH and not through personal payments. That is how Barclays is able to show a statement of payment on former complaint file. Also, on the letterhead addressed to me they note an amount of XXXX on original balance yet my limit was XXXX which is stated on XXXX XXXX. Barclays has fraudulently withdrawn monies from my bank account after closing my credit card account and my online account, to which I had no personal access to. Information given to CFPB does not match info on XXXX XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4 . XXXX XXXX XXXX XXXX. 
5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX
Product: Mortgage

Hello, I purchased my condo with a US Bank loan back in XX/XX/XXXX. I refinanced my loan through them earlier this yr. because my current financial situation is n't very good. The bank performed VERY poorly & caused me PLENTY of distress. 
I spoke with Mortgage Loan Processor XXXX XXXX the week of XX/XX/XXXX & our conversation was recorded by US Bank. She told me my line of credit would need to be frozen to go through with the loan so I said OK & asked when will the line be frozen, she said after the loan is completed. 
I attempted to draw on the line XX/XX/XXXX ( via check # XXXX ) & it did n't go through because the line had already been frozen. I discovered this on Mon., XXXX XXXX & my Refi. loan HAD NOT been completed yet. As I needed the $ $ to cover withdraws from my checking account I immediately envisioned checks not clearing, insufficient funds to cover my mortgage, my refi. not going through & my credit rating going down the toilet. ( I 've been very careful & prudent for many yrs. to keep my FICO score very high. ) As of today, XXXX XXXX, the bank has chosen to largely be silent about my troubles even though they know they 're guilty. 
Thank you, XXXX
Product: Credit reporting, credit repair services, 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, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Product: Mortgage

Note to Customer Service at Amerisave Mortgage Subject mortgage loan In reference to my XX/XX/2022 mortgage payment. 
This was verified on the phone with customer service on XX/XX/2022. 

My mortgage is roughly {$1400.00} and due on the first of each month. 
I sent in partial payment on XXXX XXXX of {$1000.00}. to be applied to my XX/XX/XXXX payment. I then sent in the remaining {$450.00} on XX/XX/XXXX to be applied to my XXXX mortgage payment. 

The {$1000.00} that was sent in on XX/XX/2022 was applied to principle and not my XX/XX/XXXX payment. 

Amerisave mortgage was in the middle of selling our loan to XXXX XXXX 
When I called Amerisave mortgage in XXXX when I received notification that I was overdue, they had already put a mark on my credit as a late payment. My understanding is your payment is not late until the XXXX of the month. They said I needed to obtain a credit report to show them that they made the error? 

While I realize my credit is normally outstanding, over XXXX, it is now in the mid XXXX. 

My loan was sold on XX/XX/XXXX to XXXX XXXX and they reversed the principle amount to be applied to my mortgage. My complaint lies with Amerisave Mortgage in applying a mark to my credit, when my payment was not late. 
Please help me resolve this issue. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report in accordance with 15 USC XXXX ( a ) and FCRA XXXX ( b ). As a victim of a data breach, these items are fraudulent and must be removed promptly. 
Accounts : XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$23000.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$990.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$990.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX. OXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud. XXXX, XXXX XXXX   XXXX, XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts Appearing On Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$520.00}
Product: Checking or savings account

Bank of America is a scam. They dont allow transfers to external accounts with the type of account that I have, so the only way XXXX my money out of my account, because I dont like to keep my money in my BOA account because Im in the process of closing it! They are terrible. I have banked with them for 3 years. Never had a problem sending a XXXX to someone else, but when they see its being sent to another account that belongs to me, they keep putting my money under 24 hour review. I dont think thats a coincidence. No matter the amount. I tried to XXXX {$40.00}, and they held that one too. And when I called them, provided me with no reason as to why they keep flagging all my XXXX transactions to this account, and restricted me from being able to sign in online or in the app! Had to call the bank REPEATEDLY now for 2 reasons! To unrestrict my account and to tell me why my XXXX transactions are being put under review, when nothing is new or suspicious about the transaction or the recipient. Ive been on the phone for a total of XXXX hr and XXXX mins, with no resolve. Im going to manually remove my money from this account, like I was FORCED to do last time and then go manually put it into the account Ive been attempting to XXXX the money to. Talk about an inconvenience as a consumer! This bank is the worst!
Product: Mortgage

I was told by a representative at XXXX ( Wells Fargo foreclosure attorney office ) on XXXX XXXX, 2016 that there was no scheduled sale date listed for my home. Then the next day I was informed that the property was placed back on the list after it the sale was cancelled. I spoke with a Wells Fargo representative today on a recorded line today and she said it did not matter the sale was going to proceed regardless and she proceeded to say they have already responded to my previous request and going to send me the same information. 
There 's a civil action in Florida pending on the validity of the assignment for my property. This civil action was filed because Wells Fargo has not address any of my concerns and I relied on there detriment to honor the {$8100.00} they said I owed regarding the fraudulent assignment. I 'm also sending a copy of the complaint that was served along with the Office of the Governor in Florida complaints that were filed and that the XXXX XXXX was placed on a permanent legal hold.
Product: Credit reporting or other personal consumer reports

Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Equifax, XXXX, and XXXX XXXX. THEY KEEP CALLING ME AND PULLING UP TO ADDRESSES WHILE IM NOT THERE THEY XXXX  MY MOM HOME XXXX XXXX THEY SAYING THEY GOT LAWYERS TO SUE ME AROUND MY KIDS THIS IS NOT FAIR AND THEY ONLY CALL TO THEART ME EVERY TIME I FILE A COMPLAINT WITH THE CFPB YALL REALLY NEED TO LOOK INTO THIS COMPANY JUST NOT ON MY BEHALF ON ALL CONSUMERS IN XXXX
Product: Debt collection

On XX/XX/2024, Associated Credit Services contacted me via email on an attempt to collect a debt. Below I have a attached my response to Associated Credit Services as well as the email that was sent to me on their behalf. ( Please See Attachments )!
Product: Student loan

The Navient co-signer release process is a scam! I graduated three years ago in 2014 and I am still struggling to get the co-signer release approved after submitting a co-signer release request close to a dozen times over the past two years! Every time, it is another ridiculous excuse!
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I have paid faithfully on the loan for three years with no late payments. I have XXXX jobs and an excellent credit score which is in the high XXXX XXXX. I have less than {$300.00} in credit card debt and I do n't have a car loan payment and I do n't pay rent! I have even paid more ( close to double ) every month than the required minimum payment.
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Navient has made false statements about how easy it is to have the co-signer released after a year, but fail to mention in the tiny print that apparently, I have to actually be personally approved for the balance on the loan amount? I have heard EVERY excuse as to WHY they wo n't release the co-signer. It has become a financial burden to my family since my parents are paying astronomically high interest rates on their house equity line since they ca n't refinance because of their debt-ratio specifically linked to the Navient loan balance. My parents have paid ridiculous amounts of interest for the past two years because of Navient 's refusal to release my co-signor.
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This is going on for over two years and has proved to be a serious financial burden to my parents for apparently no other reason than Navient 's unwarranted refusal and untruthful statements about the requirements needed for a co-signer release.
Product: Credit card

CapitalOne sent a credit card offer addressed to a person at my business that has never been associated with either my business or address. Not only have I been here XXXX years, I also knew the people that lived here before who lived here over XXXX years. When I called their Fraud Dept, it took well over an hour to get to someone who could finally get me an answer. They said they had gotten that name from public record. When I researched the local, state, and national public records, it became abundantly clear they had willfully and intentionally lied to me about it. I can only assume this was in an attempt to cover up their continued and unchecked proliferation of identity theft. A little harsh? Perhaps not as credit card companies are by far the primary reason identity theft has become such a huge problem worldwide that has destroyed XXXX and XXXX and XXXX of lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I had a credit card debt with XXXX XXXX XXXX and they sold it to other collector. I contacted with that collecter and paid my debt. But It is still showing negative information on my credit report. Balance is {$0.00}. But it shows as bad debt. Can you please help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX .. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX OF inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XXXX XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX of XXXX to purchase a vehicle using credit. I purchased the vehicle for personal, family, and household use and was financed through BMW financial. XXXX of XXXX demanded and forced me to make a {$6000.00} down payment in order to complete the purchase. pursuant to 15 U.S. Code 1605 no cash payment should have been collected
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries DO NOT BELONG to me. i have sent several letters. 



XXXX : Inquiry dateXXXX XXXX-Inquiry date-XXXX