23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I opened a home equity line of credit with Citizens Bank for the amount of {$170000.00} dollars effective XX/XX/2018. I began to received statements from the bank ( before I even began borrowing ) for substantial increasing amounts of monies. Upon contacting the bank I was told that some of the charges were in error. I became concerned and sent them a certified letter requesting explanation for the charges. In the last statement they sustracted some amount but still the total is substantial ( {$400.00} dollars ) and there is no explanation for them. As far as I know I had no liens or penalties in my records.
Product: Debt collection

XXXX XXXX attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt. 

Early in XX/XX/XXXX I received a letter from XXXX  attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.
Product: Debt collection

FINANCE SYSTEMS OF TOLEDO IS TRYING TO COLLEXT XXXX FOR A DEBT THAT I ALLEGEDLY OWE TO THE LIBRARY. FINANCE SYSTEMS LIED DURING THE FIRST COMPLAINT AND STATED THEY SPOKE WITH A LIBRARY ADMINISTRATOR. THERE IS NO LIBRARY ADMINISTRATOR AND THEY NEVER CALLED. I SPOKE WITH THE LIBRARY MANAGER NAMED XXXX WHO CONFIMED THAT THE BOOKS WERE TURNED IN AND THAT FINANCE SYSTEMS NEVER CALLED TO CONFIRM
Product: Debt collection

I am writing to formally dispute and request the removal of a collection account that has been fraudulently opened in my name. Upon reviewing my credit report, I discovered this account, which I did not authorize or open. 

It appears that I have been a victim of identity theft, as I have no knowledge of the debt associated with this collection account. I have taken immediate steps to protect my identity, including placing a fraud alert on my credit file and asking for a for an investigation into the account. 

I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report as soon as possible. I am willing to provide any additional documentation or information necessary to support my claim.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit union reported my car loan balance 30 days past due. It was paid before the 30 days due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with XXXX  regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX After filing multiple disputes online and getting a response that it was verified, I sent out 609 letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.
Product: Mortgage

In XXXX I received a letter from SPS stating the insurance ( escrow ) could not be paid because the city on the account ( XXXX, unincorporated portion ) did not match the city on the insurance ( XXXX per the tax collector ). I have owned this house since 1997 and this has never been a problem. They denied the insurance payment pending review. I sent them the XXXX documents on XX/XX/XXXX from the County and was told 5-7 days to review. I have called weekly with no results and my insurance company is cancelling me for non payment ( I am paying the escrowed amount monthly as if the mortgage company DID pay the insurance. ) Total XXXX XXXX, I was told they still have not looked at the documents and it will be ( again ) 5-7 days. 

I will have made XXXX payments on the house since the insurance renewal ( they were suppose to pay it in XXXX ) to include escrow. They are threatening to force place insurance if the policy is cancelled because of the " incorrect '' city information. They also said if i choose to pay the insurance myself they can not accept it because the city is different and they will still have to force place insurance. There is no way out of this situation on my own. Please assist.
Product: Credit card or prepaid card

XX/XX/XXXX I received a refund in the amount of {$100.00} my first cash app account was hacked. I created a new one I still have the old debit card I didnt cancel the company said they they cant put my refund in the account even though it is my name and same address
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters to Barclays on 2 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for at Barclays on XX/XX/2021, XX/XX/2021. I have obtained receipts that the USPS Certified Mail was delivered and signed for. The reason is for a dispute is I haven't heard any response from Barclays about my inquiry / complaint and also on my Credit Reports and they have not marked my Credit Reports with any remarks stating that the reporting is being disputed within the 30 days of the letters being received and signed for. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending valid verification, it needs to be removed from my Credit Reports. Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I have contacted XXXX XXXX XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. 

I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.
Product: Credit card

Hello - I am hoping you can help me with an issue that seems to be spiraling out of control. I have multiple credit cards that are owned/handled by synchrony bank. My husband left a year ago and as a result my finances were severely impacted and I missed a payment here and there on those cards. Some, however, I have never missed. As a result, Synchrony began systematically canceling my credit cards stating " serious delinquency, time since delinquency is to recent or unknown, revolving accounts is too high, number of accounts with delinquency. '' While I do not dispute that I have missed a payment from time to time, I do have a MASSIVE issue with the fact that, at this point, Synchrony bank is single handedly ruining my credit by continuing to cancel credit card after credit card, many of which were COMPLETELY paid off. I have no idea what my recourses are at this point, and I need some help/advice on what to do to resolve this snowballing problem.
Product: Debt collection

Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did.
Product: Debt collection

im not sure who this account belongs to but its not mines i have asked for a bill of sale or something with my name on it and no one can help me
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXXXXX XXXX XXXX XXXX XXXX  b ) ( XXXX ) - XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  bank/TD is showing an open account on my XXXX with incorrect balances and wrong dates.
Product: Money transfers

Vicitms of Fraud. We received a phone call that a family member was in need of money because he was being held at a XXXX. XXXX airport. We believed we were sending money to a family member, but later found that we had no idea who the other recipients of the money were. It should have been a clue to us that the money was being sent to XXXX separate places and under a different name than our family member. Once the money was sent we spoke to our family in XXXX and they made no phone calls requesting money from us. The phone calls were made fraudulently and I am afraid these subjects are doing this to more than one person.
Product: Credit reporting or other personal consumer reports

The account Portfolio is attempting to collect is due to ID theft. XXXX XXXX deleted the account months ago because of ID theft. Therefore, Portfolio recovery should do the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There is a banking account that I do not recognize with XXXX  XXXX and now I am being sued because of it. Someone has used my information to open this account.
Product: Vehicle loan or lease

I would like to file a complaint regarding my car lease with Audi Financial Services, which is based on the following terms : On XX/XX/2023, Audi XXXX XXXX made a payment of {$55000.00} and some dollars to Audi Financial Services on my behalf to end my lease as they were taking early possession of the leased vehicle. Audi Financial Services subsequently sent me emails confirming that my account was settled in full. Additionally, on XX/XX/2023 XXXX XXXX mailed me a final statement of accounts confirming that no amount was due ( no excess wear coverage either ) on the lease and reported the account as closed to all credit agencies. 

It is important to note that Audi XXXX XXXX took possession of the leased vehicle on XX/XX/2023, and it has remained in their possession since then. Despite this, today, I have found out that Audi Financial Services re-instated my terminated lease without my authorization and I now are attempting to charge me again a monthly amount of {$1100.00}. When I contacted Audi Financial Services, they informed me that on XX/XX/XXXX, Audi XXXX XXXX called to withdraw the check and stated that the car was in my possession when, in reality, the car has been in their possession since XX/XX/2023 ( I have videos to support this ). 

Audi Financial should fine methods to request the owned money from Audi XXXX XXXX, and not me. 

I want this situation to be investigated, and the incorrect charge on my lease account to be corrected back to closed and with a XXXX balance, as Audi Financial Services can not open a new lease without my authorization as the original lease was terminated and closed as paid. This situation is highly concerning and requires an immediate resolution. 

I hope that the CFPB can take action to resolve this issue. I appreciate your attention to this matter and your assistance in resolving this situation. 

Vehicle info. XXXX XXXX XXXX XXXX. 
XXXX account number : XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and need to have them deleted
Product: Credit reporting or other personal consumer reports

XXXX  Recently, I did an investigation on my credit report which caused report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

On my Public Record Bankruptcy XXXX  XXXX-discharged US Bankruptcy Court has also assured me that it is not within their policy or obligation to validate any public records. Following my confirmation with the US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law.
Product: Debt collection

XXXX XXXX from Receivables Performance Management called about a " financial matter. '' They would not tell me what it was about until I verified my zip code. I refused. He was using my maiden name ( I've been married for 12 years ) and my current residential address. 

I told him to send a certified letter if this matter is truly " verifiable ''. He gave me his address as XXXX. XXXX XXXX XXXX WA XXXX. And a contact phone number of XXXX. 

They have also called XXXX repeatedly ( 3 times on XX/XX/XXXX, 2 times on XX/XX/XXXX ) They have called XXXX repeatedly ( Over 20 times in the past two weeks ). 

I have received no mail regarding this matter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Here is the list of inaccurate items that were found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

IN 2021, XXXX banking sold my mortgage to XXXX XXXX. At the time I was paying XXXX bimonthly and they would hold the first payment until the second arrived. When XXXX took over, I continued to make the biweekly payments from my bill pay account. But they would send the first back as an incomplete payment before the second payment arrived resulting in late payments. I spoke with someone on the phone and he said that XXXX also had that program, but I would have to pay to use it. I said that was fine but I would just mail the full payments instead of continuing the biweekly payments. Then I sent checks in and the checks were not cashed. I called to find out why the checks were not being cashed and was told they had not received them, but that it was not a problem they were going to put me in a COVID deferral program and I would receive documents on that within 30 days and not to worry about the missing checks. I received an approval letter and called weekly about the documentation. A month later I called again and was told that it was denied after all as I was now four months behind ( despite that I was told not to worry about the missing checks ) and that they were putting me in foreclosure. I told them I had the money as I had had it all along, yet multiple calls and no one would tell me the amount to pay to resolve the issue. I then received an email stating that the missing checks had been received, but they had gone to the old address and would not be cashed. Following that I received a mortgage acceleration letter. I finally found a customer service person who took pity on me and gave me the amount to take to the bank to resolve the issue before the legal department even moved forward with the foreclosure. However, they put multiple late payments onto my credit report including 120+ days. I have sent letters, spoke with their executive team and had a lawyer contact them and they refuse to resolve the issue removing the late payments from my credit saying that despite that I had been paying XXXX biweekly that they were not obligated to honor that and that I should have received a welcome letter with the change of address which I did not and my payments were automatic through my bill pay service. This is hands down the worst banking service I have ever had.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Student loan

I have been attempting to resolve issues of payment for my student loans through Sallie Mae. I have been attempting to resolve this issue since XXXX. I have done two income information reports with them and they have still presented be with astronomical amounts to pay every month that I do not have. Since the start of XXXX they have called me almost two to three times a day. In addition to my co-signer, my dad, two to three times a day ; despite me telling them that my father is unwell and can not barely move let alone answer a phone. The amount of calls have been disrespectful and rude and they come at irregular times of the day XXXX and XXXX. Sometimes the calls are even thirty minutes in between of each other. Also, I am currently in school, despite their website that lists my college as a college that sends over information to them alerting them I am in school, I filled out a deferment form on my own on XX/XX/XXXX, that they now say they never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get this inaccurate information thats being reported on my credit inaccurately for quite some time resolved. This company is reporting an item that was supposed to been off my credit after numerous letters and complaints, with the last one being from the FTC. This company has provided vital information to someone who wasnt/isnt me. They never identified the person they just disclosed my personal information. Which validated my rights as a consumer and the law. This item was supposed to been removed from credit 2 years per the last dispute and complaint and this item is still negatively reporting on my credit. I am demanding that this item is removed immediately. Otherwise I will seek legal action and reach out to the media in regards to this company and their illegal debt collection practice acts.