23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bayside capital claims to own debt from a company I had taken a personal loan from in 2015 ( XXXX ). In addition to attempting to threaten to take me to court for criminal charges of theft they are also misrepresent amount i payed and currently owe.
Product: Credit card

The Banana Republic account ending in XXXX issued by Barclays Bank is incorrectly listed as XXXX days late. I explained to the company that my XXXX  passed away and that I in error used the wrong account to make a payment This account has always been paid on time but this was an unintentional oversight. I spoke with an agent on XX/XX/16 that told me that the company would help me in light of the XXXX time issue due to my XXXX  being deceased and they stated I would not be negatively impacted on my credit report. They refuse to update or correct this information. I have had exemplary history with them. Currently my account balance is XXXX and I pay it down to XXXX  frequently. Please remove the inerrant XXXX  day late remark. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect/wrongful info reporting to credit bureau, Inappropriate methods for debt collection ( including lies ),  breaking an agreement for paying debt. My company XXXX XXXX has two ( 2 ) credit card accounts with American express with existing balances. We were in negotiations to pay those balances and always were clear of the intensions to pay them in full. In XX/XX/XXXX and in XX/XX/XXXX we've made in agreement and make 2 payments total of  {$8000.00} ( {$4000.00} for each account ) in order to prevent those accounts to fall into collections, as we agreed. On XX/XX/XXXX ( 6 days after the payment ) American express broke our agreement and reported to XXXX Credit Bureau this account as personal collection account for me, ( XXXX XXXX ), as a guarantor with delinquency of 90 days or more!!! This is ridiculous since it based on misleading information - First : 90 days or more delinquency is wrong reporting ( last payment date is XX/XX/XXXX, business has made two ( 2 ) payments in two ( 2 ) month, that's 20 % of the total balance ) ; Second : An agreement has been broken by American Express or their representatives, they lied to me promising that in exchange of the payments keep accounts out of collection and even refund late fees and reopen one of the account ; Third :  since business has paid last month that couldn't be reported as personal debt, I'll take responsibility if it's not paid.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Charged ofXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charged off XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Midland Mortgage/Midfirst Bank has been harassing me and attempting to foreclose and put me and my children out. They have taken me to the XXXX XXXX XXXX XXXX where they and their attorney are attempting to foreclose on a property that is fully paid and Satisfied since 2005. 

I am A Natural Being. And I produced the Satisfaction of Mortgage to their attorney to prove that there was no debt and they should not have billed me for a property that has been paid in full since 2005. They continued to harass and threatened to foreclose on my property. They are attempting to commit theft by using their illegal acts in law to steal the property that I own. 

MidFirst Bank and their Attorney XXXX XXXX XXXX have violated the UCC laws ; TILA, and Mortgage Act. They need to be held accountable for consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt notice of dispute to furnisher of information.

( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

On XXXX XXXX XXXX I called Transunion to initiate a dispute of their reinvestigation process knowing that they did not contact XXXX XXXX  court in reference to inaccuracy of bankruptcy listed on my credit report. I stated that trans union is in violation of said law : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I was subsequently hung up on. I called back and was able to get to someone who would take my dispute the agent told me that my dispute had been submitted but investigation was not submitted. Accounts disputed listed below XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Court Type XXXX XXXX XXXX Date Updated XX/XX/XXXX Date Paid XXXX this date is incorrect Estimated month and year that this item will be removed XX/XX/XXXX Plaintiff Attorney XXXX XXXX incorrect I had an attorney Responsibility Individual Debt XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX XXXX Type XXXX XXXX  XXXX Date Updated XX/XX/XXXX -this date is incorrect Date Paid XX/XX/XXXX - this date is incorrect Estimated month and year that this item will be removed XX/XX/XXXX Plaintiff Attorney XXXX XXXX XXXX Responsibility Individual Debt
Product: Debt collection

LVNV FUNDING LLC added an account for the amount of XXXX $ into collections on XX/XX/2023. 
I did not open an account with this company.
Product: Debt collection

Received a letter asking to pay {$320.00}. I sent them a Debt Validation LetteXXXX which they failed to Validate. Instead, they sent a Itimized billing containing my medical procedure which clearly is a violation of my HIPAA rights. This bill was already paid to the hospital.
Product: Credit card or prepaid card

On XX/XX/XXXX I used Synchrony 's online website to apply for a credit limit increase to a card that I have been faithfully paying roughly double the minimum monthly payment on, which was denied. My credit limit at the time on the card was {$1500.00}. On XX/XX/XXXX I received a paper billing statement as well as a notification of review of my account ( dated XX/XX/XXXX ) where I was told my account had been reviewed and Synchrony was decreasing my credit limit from {$1500.00} down to {$250.00}. I called immediately to find out why and was told my account had been reviewed and my credit score wasn't high enough. The letter containing my notice of a lowered credit line also states that my credit score was XXXX at the time of sending, but on Synchrony 's own website where it tracks your credit score, as well as using XXXX XXXX 's application, it shows my credit score was XXXX. So now by lowering my credit limit, it is also decreasing my credit score and they are using that to say I lack the creditworthiness of my original {$1500.00} limit ( of which I am never late ). Also, they are either reporting credit wrong, or using wrong data to support lowering credit limits, which in turn they are using to create worse credit scores, in perpetuity for an excuse. I am currently preparing to buy my first house, and as my credit score trends upward, lowering someones credit limit in order to generate a lower credit score then deny their creditworthiness is patently unfair, and makes me look like a bad borrower. When I called asking my credit limit to be returned to what it was, they said they could only do that by running a limit increase again XXXX of which I was denied, and they would not tell me why. ) As of the time my credit limit increase was processed, my score is currently XXXX XXXX XXXX ) and XXXX ( Synchrony ) reporting. Again, trending upwards because I am paying my cards on time and paying off old accounts.
Product: Credit reporting or other personal consumer reports

I would like to follow u regarding the persistent issue of late open account associated with my account. Despite my repeated attempts to address this matter, I find it disheartening that I am now compelled to do so for the fourth time. Despite my efforts and the assurances I received, the late open account persist, tarnishing my credit history and causing undue stress and inconvenience. The repeated failure to address this issue is unacceptable and reflects poorly on your company 's commitment to accuracy and customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem persists, with no resolution in sight. I demand immediate action to correct this egregious error. I insist that the late open account be promptly rectified, and any adverse effects on my credit score resulting from this oversight be remedied without delay. Furthermore, I expect a formal apology for the persistent inconvenience and frustration caused by this ongoing issue. With this, I am asking for your assistance to correct this account in my credit file : XXXX  XXXX XXXX Balance : {$290.00}.
Product: Debt collection

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act 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

My social security number was reported as probably compromised by Equifax. This might allow people to open accounts in my name resulting in my credit report being very adversely affected. It is absolutely unacceptable that over 143 million social security numbers have been compromised by Equifax. Many wo n't even know to put a fraud alert on their accounts or to check their social security number and the devastation they unknowingly face may be astronomical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, Wells Fargo XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK Credit Cards Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX All this infomation in not mines ......
Product: Mortgage

During the process of monthly payments I have sent payments on time, but continue to get late fees. Also when I do payments over the phone the workers have been not writing the right documents for to take my payments which cause me to be late. When ask about this issue the company stated that I give the wrong information ( When I specifically give the information back to the worker number of times. Second issue was i have sent money in that make me have money in another account with the company. Ask the company to refund me the money and they stated i couldn't receive it back I have email the director of the company of this issue no one call nor respond back to my complaints. Also I recieve a loss Mitigation approval were documents were wrong that the company stated I suppose to be pay back which was not right, ask the specialist that sent the documents which she know nothing to provide the right information. So I am writing to CFPB to look into this matter also the reviews of this company of Volunteer Mortgage Loan Servicing, which other consumers are going through also.Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered unauthorized activity on my credit report. I am not understanding why, because I have not given any consumer reporting agency written consent to report any information on my consumer report. This unauthorized reporting, done without my explicit consent, equates to identity theft.
Product: Credit card

I was dealing with an HVAC and they told me that they could offer me 0 % financing for 36 months through Wells Fargo. I thought the financing would be an installment loan. I gave my info directly to their office and they applied for the credit on my behalf so I did not see the application until they came to install the HVAC. A couple of weeks after I was told I was approved I received a credit card in the mail and my credit score dropped by over XXXX points because it was processed as a credit card not an installment loan. Worse I have to pay back the card in equal installments for 36 months instead of as a traditional credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FRCA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. I'm seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX  {$830.00} Opened XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score disappeared on both Experian and XXXX and I have XXXX negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.
Product: Checking or savings account

I have signed all Wells Fargo contracts that require my signature with XXXX XXXX XXXX and I have also wrote and signed my AFFIDAVIT that was noteized by an Notary with XXXX XXXX XXXX signing it with my signature, That the charge from XXXX is FRAUD/Fraudulent charge Not In My Name I was giving refunds back from cancelled stays and an {$34.00} dollar food refund and because of this WELLS FARGO said it was for a stay for over {$450.00} the amounts credited back to me was done as different refunds the amount of {$450.00} was done as one charge and the amounts of {$160.00} doesn't equal up to {$450.00} WELLS FARGO BANK trying to extort money from me I don't owe I have told them to show me proof that the charge from XXXX  that shows my name on the charge from XXXX with my name on it and WELLS FARGO has refused to do so staying the charge is mine Show The Proof it SHOWS MY NAME and show where I was refunded back {$450.00} for an Fraudulent charge I have disputed I HAVE RIGHTS AND WELLS FARGO SAID THAT PROTECT YOU FROM FRAUD..
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX  XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield and associates is reporting information to my credit bureau and its inconsistent. The open date for account number beginning XXXX are inconsistent. It reports to one bureau with open date XX/XX/22, the next bureau XX/XX/22. Dates dont match. Dates dont match and are inconsistent. 

Wakefield and associates is reporting information to my credit bureau and its inconsistent. The open date for account beginning XXXX open dates are inconsistent. It reported to one bureau with open date XX/XX/22 and the next XX/XX/22. Dates dont match and are inconsistent.
Product: Credit card or prepaid card

Dear Sir / Madam, - On XX/XX/XXXX I purchased tickets at XXXX with a Mastercard Credit Card ( ending XXXX ) I used to own for an amount of {$170.00}. 

- On XX/XX/XXXX I received a Fraud Notification for the same credit card, and as a consequence of it, my financial institution ( Citibank ) provided a replacement with a new numbering. 

- As a consequence of the COVID pandemic, the show I had purchased the tickets for was Postponed ( not Cancelled ) and after getting in touch with XXXX, they claimed that they could not refund the money until the show is rescheduled or cancelled. 

- Finally, in XX/XX/XXXX, the show was rescheduled and my tickets was cancelled, and XXXX refunded the money to my original method of payment, which was the Mastercard Credit Card ( ending XXXX ) that I do not longer have as I was victim of fraudulent activity and received a replacement card. 

- XXXX claims that the funds were released to Mastercard between XX/XX/XXXX and XX/XX/XXXX and Mastercard did accept the funds. They are even open to provide the evidence of having released the funds and Mastercard having accepted them, but they claim they can not provide directly to me but only to Mastercard due to data protection issues, but Mastercard is not providing any contact or fax number to receive the evidence.

- I have been talking to Mastercard multiple times, sometimes they claim they have not received the refund, some others they claim that I will receive the refund in my next billing cycle, but month after month, I never received the funds.