23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Inquiry Date XX/XX/2021
Product: Debt collection

I had an account thru synchrony bank for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with synchrony since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to XXXX XXXX  in XXXX. I have contacted them several times and have been told they cant help me. Synchrony and XXXX both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.
Product: Debt collection

On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, Certegy says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.
Product: Debt collection

This debt was paid on XX/XX/XXXX, today, XX/XX/XXXX, they are still demanding payment from me, they were notified that it was paid, and they still message me. Unnecessary harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed for a validation of debt with the credit bureau 's Equifax, and XXXX. As well as the XXXX XXXX XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( XXXX, Equifax XXXX Thank You, XXXX ' XXXX
Product: Credit card or prepaid card

I am charged {$8.00}, every 7 days if I do not use my card within this time frame! This is absurd! I dont make purchases weekly, where this particular account is used.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXXXXXX and I do not have a contract with Columbia Debt Recovery. They did not provide me with the original application like I asked. Theyre reporting on my credit report with XXXX that I owe them {$300.00} and I have no idea who they are. I reached out to Columbia Debt Recovery with a police report, and FTC report. Originally their were two accounts from XXXXXXXX XXXX in which whoever applied, applied twice. Columbia Debt Recovery stated we put two accounts on your credit report because two different door numbers were applied for, so they removed one and kept the other which makes no sense at all.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 as a well know auction company, an agreement of consignment was endorsed advertise/market and sell absolute on site auction of a variety of personal property. The people endorsing the agreement, paid $XXXX for initial advertising/marketing cost, sent via Paypal. There was cataloging, profiling, clean up, photos, several thousand colored brochures printed and mailed to varies potential buyers, several extra trips due to their construction issues, several employee's (10)+ making 10+ trips to work. Advertising in local newspaper, internet sites, on line auctions performed. Due to the unexpected auction turn out and sold items, the sellers wanted their advertising/marketing money returned. Their objection and complain to Pay Pal was DID NOT RECEIVE MERCHANDISE,  but there was not merchandise, only services as advertising/marketing, cost of the auction.
I sent a copy of the agreement, expenses, and copies of the sold items of over $10,000.00, our company had several hundred dollars of out of pocket expenses, But, Pay pal advised and ruled in the sellers favor. Due to the arrangements of their firm, we have been TOTAL unable to speak with anyone, ONLY a virtually chatter. We need your assistance in resolving this issue. 
Thanks
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have 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 an investigation into my accounttransactions.
Product: Mortgage

On XX/XX/XXXX I received my escrow analysis for a property I own under an LLC, the loan is serviced by Fay Servicing. I noticed that the escrow analysis was using an amount for the Homeowners insurance which was incorrect. It showed an escrow shortage and increase to my monthly payment which was wrong. I called and advised them that the insurance amount was reduced in XX/XX/XXXX to {$940.00} dollars from the initial {$3100.00} amount that I had paid for insurance at closing on XX/XX/XXXX. The associate said they would submit this information and do a re-analysis. On XX/XX/XXXX I received another escrow analysis, this time instead of reducing the insurance amount, they decided to add another insurance disbursement of {$3100.00}, essentially doubling the escrow shortage. I was astonished at the level of incompetence here. Not only should the shortage not have increased, I am owed a refund for an escrow surplus since I reduced the insurance premium and have been making escrow payments based on a higher premium amount. Fay Servicing has made numerous errors on my loans and never seem to address them timely or correctly.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

As part of a {$390.00} annual fee, the XXXX Rewards card through Chase bank offers certificates for 2 free night stays. I attempted to use them on three different occasions and was told that there were no rooms available for free night stay. On each occasion there were the least expensive rooms available at the property but was told the free nights were unavailable. On two occasions, the city I was attempting to book a room had XXXX XXXX hotels but rooms for free nights were unavailable at each, so I really attempted to use the certificates a XXXX different hotels. I feel like this has been classic " bait and switch tactic '' with no good faith on the part of XXXX to honor the certificates. Additionally, Chase Bank is unwilling to do anything in order to attempt to resolve situation, saying it is up to XXXX. I reminded Chase that they were the ones that collected the nearly {$400.00} annual fee. They are unwilling to refund the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debt collector and set up a monthly payment arrangement. It still show a derogatory account on my credit and my payments are not being reflected on my credit report.
Product: Student loan

Yes, I am a XXXX American on XXXX I graduated college XX/XX/2015. I have not been able to find a job pertaining to the degree I earned at the University I attended. I can not make my monthly payment to Sallie Mae. I tell the agents my problems and the only thing they tell me is to pay a XXXX to defer loans for one month. I recently check my loan status with Sallie Mae the deferment is not placed on my account. I 've asked several times based on my issues for a reduction in my monthly payment or term extension. My interest rate keeps changing I told me rate for Sallie Mae is a fixed rate not a adjustable rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report and retain incorrect, non-compliant data. 

My latest credit report, dated XX/XX/XXXX, indicates : Residences deleted - all three addresses, including an address in another state in which I've never lived is still reporting on my XX/XX/XXXX report. What residence was deleted? Apparently none. This is erroneous reporting! The only address they are required by law to report is my current address which proof has been sent. The other two addresses are not mine, especially the New York address they continue reporting. 

The alleged XXXX XXXX account has many compliance issues. Per FCRA and Metro 2 must be deleted if not compliant. Experian " verified '' erroneous data. High balance and credit limit are different. Alleged chargeoff can not have balance yet they're reporting one as of XX/XX/XXXX but have 5 charge offs beginning XX/XX/XXXX. They're reporting two consecutive months of " 30 days late '' but there are only 30 days in a month. 

Alleged XXXX XXXX - I do not have XXXX! 

XXXX XXXX XXXX is an absolute joke. They keep sending me " proof '' with statements bearing a New York address. I don't, nor EVER have, lived in New York! I WILL NOT send them my ID, SS card nor identifying info as requested. 

Alleged XXXX account has a high balance greater than credit limit. If OK XX/XX/XXXX how can report 90 days late in XX/XX/XXXX. A month consists of 30 ( 31 days ), how can 3 consecutive months be 60 days late? They are reporting 3 non consecutive charged off months. Impossible! 

Alleged XXXX XXXX account reporting 2 consecutive months 60 days late and 4 consecutive months of 90 days late. Impossible! 

Alleged XXXX account has high balance greater than balance, 4 consecutive months 60 days late and 2 charged off months. IMPOSSIBLE. 

Alleged XXXX XXXX account has 10 months of no data then boom a charge off. Really? 

Alleged XXXX high balance greater than credit limit. Charged off 11 times. Can they not make their mind up?
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Mortgage

My mortgage services company has neglected to pay my XXXX XXXX real estate taxes, terms of which were set up in an escrow when I refinanced last year. I am getting bills from XXXX XXXX XXXX XXXX saying my taxes are in default and I owe {$4600.00}. Penalties keep being added on. I have contacted the company Amerisave Mortgage on numerous occasions, by email, by fax, and my phone, and the situation has not been resolved.
Product: Bank account or service

I opened a checking account with Wells Fargo and was told in order to open a new account I would have to open a savings account with {$25.00}. So I did this. A few months later I noticed that my balance had decreased. Wells Fargo had been taking a monthly service charge. 
I had not been informed of any service charge at all on my new savings account when I opened it. I called Wells Fargo and they agreed to reverse the service charge but I had to comply with XXXX of XXXX options so I would no longer have a service charge. The option I chose was to main- tain a {$300.00} balance. I transferred {$300.00} to the savings bringing the total amount to {$320.00}. Today I noticed again they took out a service charge even though I was compliant with the rules. I am so tired of Wells Fargo sneaking fees from me. They have done this years ago to me only our balance was {$1000.00} but since we had no activity for 12 months so they service charged us. We also were not aware of that rule.
Product: Credit card

Restricted account with no reason Capital One credit card. They requested statement from my linked account. I did send it but there some problems. Ok. I went to the brunch and they give me 2 docs, I send it to them. 3 week no phone call from them. I have call them, so they just closed the case and account remains restricted. Every thing ok for them. I know the answer from them like this is for security reasons and ect ... ..... 
Why am I writing this and feeling ashamed? XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX  and Copy Expert Traders using the domain names XXXX XXXX XXXX XXXXXXXX '' and XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Someone tried to open a credit card account using my personal information. The bank recognized the fraud but the inquire still shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RADIUS GLOBAL SOLUTION has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX   and have a great benefits package. This is negatively impacting my credit and needs to be removed immediately.
Product: Debt collection

To whom it may concern : I have been called multiple times by a woman named XXXX XXXX who works for credit control llc stating I owe XXXX XXXX I asked her to provide me proof that I owe XXXX that money every time she states she sent me the verification email or by postal mail and I have never recieved anything to prove that I owe this debt. I do not recall owing XXXX anywhere near XXXX dollars I have never recieved anything from XXXX nor credit control llc only a phone call demanding XXXX in payment stating I have to pay XXXX to XXXX and the remainder balance to them for their services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Network/Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX Network appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through XXXX and on XX/XX/XXXX I submitted an online dispute through TransUnion. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called Receivables XXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called TransUnion and XXXX and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} XXXX bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now XXXX.
Product: Bank account or service

I received a promo in mail from Citibank to open a citi gold account make two bill-pays every month for 2 months and i will receive XXXX citi thank you points. 
after 3 months i received the points but before i had a chance to use them they closed my account and removed the points
Product: Credit reporting or other personal consumer reports

I have reached out numerous times to XXXXXXXX XXXX in regards to a XXXX  day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late 2021 during the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided XXXX XXXX that information including a copy of the XXXX XXXX XXXX XXXX XXXX XXXX stating negative consumer credit reporting this time is suspended due to no fault of my own.
Product: Debt collection

I just read in my credit bureau report an entry from a collection agency for XXXX XXXX in the amount of {$140.00}. It is important to note that I have never received service from this company in the last two years. I also never received a bill from XXXX XXXX. I have tried in vain to communicate with them. I am afraid that my personal information has been compromised or confused in some way. Again something to note is that I never received any notification for payments. I just found out about this problem by reading my credit report. I am very upset and feel a feeling of enormous helplessness
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX is violating my rights with UNLAWFUL CREDIT REPORTING UNDER 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), FCRA, AND MD. CODE ANN., COM. LAW 13-301
Product: Student loan

Every time I spoke to someone, the seemed to be reading from a script, didnt speak very clear English and I would always request for a lower payment. They never wanted to help except to for forbearance. I offered to to set up payments at {$200.00} a month. Something I can afford and they would not accept that. They never listened to anything in regards to my hardship or illness or my effort to to pay at least a portion. 

I was asked to fill out documents for several programs but nothing ever came of it. Not for educators, income based, nothing. 
So what was $ 40K in loans has grown interests into $ 100k. 
I was a teacher for most of my adult life, income was low but not enough to be considered Low-income. Over the years, kids, illness, divorce and no alimony or child support. But none of that is considered. Now I am 20 days from defaulting and am being told they will garnish my wages.