23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navy Federal CR Union at XXXXXXXX XXXX XXXXXXXX XXXX Va, XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as a past due balance. I have also sent dispute letters and 609 letters over 60 days ago and has still not gotten a response. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature
Product: Credit reporting or other personal consumer reports

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( USAA ), in case legal action becomes necessary : Authorized Signature of Creditor :
Product: Credit card

I have XXXX different Visa cards from US Bank and one card was lost while traveling in XXXX, XXXX and bank was notified immediately. A large charge was disputed as it was fraud after the fact of losing my card and bank will not take responsibility in protecting me against fraudulent charges. Second visa card had over 50 same charges from XXXX that were fraud and again company would not take responsibility when it was very clear that those charges appeared back to back on same day. That is alarming as well as that even though they changed my card out the charges were still coming through to new card number which makes no sense since new card number was never registered anywhere. Something strange and scam is going on with this company and I'm genuinely concerned. They are neglecting the laws and regulations governed by VISA and I'm not being protected as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on XXXX XXXX investigation. 
XXXX XXXX loan XXXX ( XXXX ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( XXXX ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXX loan XXXX ( XXXX ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from XXXX XXXX Experian/ XXXX XXXXredit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Product: Debt collection

XXXX XXXX XXXX, a company I have not had an account with for over 10 years, but my partner had an account, even though I took my name and information off the account years ago, they charged me a box fee which was returned with a receipt to prove it. They sent to collections, I disputed spoke to the company they said theyd take the charge off and the collections, then they charged me again and sent to collections again. I filed a report with the FCC and there was an investigation, they took the charges off but the collections company keeps flagging my credit with a {$0.00} amount every other week. I have 5 collections claims on my credit right now from these two companies. Spoken multiple times with credit management LP and no one seems to know how to fix it instead they keep asking me to pay THE OLD DEBT THAT SINCE SAYS {$0.00} theyve sent {$0.00} to collections 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealeships to inquire about a new car. The sellers told me they they going to do a soft pull on my credit. they did a hard inquiry on my credit and also did a couple if days after. This cause my credit to show too many credit inquiries. This inquiries were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started working with XXXXXXXX XXXX, a debt consolidation company helping me make settlements with current lenders back on XX/XX/XXXX. We were able to come into a settlement with Midland Credit Management , Inc back in XX/XX/XXXX. The settlement was for 12 payment of $ XXXX monthly. After the pandemic i was force to cancel my agreement with XXXX XXXX due to financial difficulties on XX/XX/XXXX. At that point I had already made 9 payments to Midland Credit Management , Inc. With only 3 payment left for {$260.00} each. I tried several time to reach out to Midland Credit Management , Inc to make payment arrangements given only 3 payments were due. I could honestly say I called them over 15 times. They kept saying I had to talk to another department because I was previously working with a debt collection agency. I call multiple time, ask to speak to supervisor, asked them for a call back and nothing happen. For starters Midland Credit Management , Inc has never sent me any correspondence with the amount owed, or due dates or any notice of late payments. I had to research online for their contact information even though my information HAS NOT change from the information the original lender had on file XXXX XXXX XXXX XXXX. After many many calls with no resolution I continued calling. Until XX/XX/XXXX when I noticed that Midland Credit Management Inc had reported 120 days late on my credit report. I tried calling and again after hours on hold I was finally able to speak to a manager, who stated that despite my balance being under {$800.00}, that settlement was voided if the payment didn't come directly from debt consolidation agency. Which I had cancelled. He also informed me that my balance now was up to {$3900.00}. Which honestly feel like Midland Credit Management has dishonest practices to make sure they don't have to abide and can get away from settlements what way. I when on to try and settle ON XX/XX/XXXX, he stated that the best offer would be {$2400.00}. And that would not remove the incorrect reporting of the 120days late, it will be removed from my credit report years later. First of all, I honestly believe it shouldn't had been reported to begin with at all since I have records of trying to reach them since XX/XX/XXXX when next payment was due after I left the Consolidation company. It's truly incredible what companies like Midland Credit Management can get away with these practices, specially in this pandemic and many suffering from financial difficulties.
Product: Credit card or prepaid card

I was underpaid on my XXXX  store card payment by $XXXX which is issued by Comenity bank and when I realized the error I paid it and also inquired if they will accrue any fees or interest for a charge that was so small. I received a response advising since I was late that they have to charge me the late fee and since I requested a late fee reversal in the past that they will not grant another one. I feel that this is a form of predatory lending as now I owe express $XXXX   for a missed payment of only $XXXX

Please see a copy of the email I sent directly to them I also requested them to close the account which they also did not do.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX for failing to correct inaccurate information on my credit report and not conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to XXXX, the following inaccuracies remain unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has either failed to respond or has provided inadequate responses that do not address the issues raised. I am aware that the CFPB has recently filed a lawsuit against XXXX for similar violations, alleging that they have conducted sham investigations and unlawfully reinserted inaccurate information into consumer credit reports. 

I request that the CFPB investigate this matter and require XXXX to correct my credit report accordingly. 

Sincerely, XXXX
Product: Mortgage

We have not yet missed a mortgage loan payment, but are concerned we may due to this aggregious error made by Loan Depot 's loan servicing department. 

The following is a letter sent to Loan Depot, with my personal information redacted. 
We obtained a home purchase loan from Loan Depot on XX/XX/XXXX, loan number XXXX. This loan has subsequently been sold to XXXX. 

I am reaching out to discuss a significant error made by Loan Depot when calculating the escrow portion of my home loan payment. Upon receipt of the supplemental tax bill in XXXX of XXXX, I forwarded it to Loan Depot for processing ( via email attachment. ) After Loan Depot processed this payment, I was notified that my home loan payment would GO DOWN from {$2200.00} to {$2000.00} following an escrow analysis. I immediately questioned the accuracy of this calculation in writing, and was reassured ( in writing ) the calculations made by the professionals at Loan Depot were accurate ( see email chain below. ) As I am not a mortgage loan processing professional, it was reasonable for me to assume their calculations were correct. In fact, my monthly loan payment should have increased slightly. When performing the escrow analysis, Loan Depot used the pre-purchase home value ( {$160000.00} ), rather than the current value of the home ( {$410000.00} ). This should have been especially apparent, as the document that started the entire conversation was a supplemental tax bill due to the increase in home value. 

My loan has since been sold to/or the servicing has been transferred to XXXX. Upon receipt of my loan file, XXXX noted a deficit in my escrow account of {$3700.00}. I was completely unaware of this deficit due to the errors made by Loan Depot. As a consequence, my home loan payment will increase {$550.00} for the next year to make up for that error. Loan Depots error has caused my family significant consumer financial harm. It is a severe financial setback to my family to pay the increased loan payment that begins on XX/XX/XXXX. In fact, this error may cause us to lose our home. 

Due to the number of errors made by Loan Depot, even after their accuracy was questioned, I demand that Loan Depot pay the shortfall of {$3700.00} in my home loan escrow account. 

Since this has happened to me, I am very afraid such errors may be happening to other home purchase loan borrowers whose home loans are being made and serviced by Loan Depot.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to purchase an upgrade to my seats through XXXX XXXX. 
My credit card was denied despite having {$1100.00} in it. I received a text from my credit card company asking if this was fraud - I confirmed the charges and received a text stating my card was clear and ready to use. I attempted to use my card again for the same transaction at XXXX as well as pay for my monthly land mortgage of {$230.00} the card declined again. I called the credit card company and was told " I did not have enough money in my account that is why my card declined '' I spoke to a young lady named XXXX. When I proceeded to tell her that I had money in my account she told me my payments had not cleared when I attempted the transaction at XXXX. I advised my payment of {$500.00} and {$560.00} had cleared on XX/XX/XXXX and XX/XX/XXXX. She then told me that my account had numerous charges that had not cleared that were over the limit of the available funds of {$1100.00} - I advised that I could not see the charges and she replied that I did not have any available funds. This has happened to me numerous times with this company where I am unable to use my card. The young lady even went as far as saying I was check-kiting because of the back-to-back payments as a lawyer I find these to be pretty serious allegations, especially since I pay this card whenever I can to keep from being hit with extremely high-interest charges. I was told I had to wait 48 hrs for charges to appear on my statement I still have not seen any charges and I am still unable to use my card.
Product: Debt collection

There are XXXX collections charges listed on my credit reports that does not belong to me. 

- {$340.00} Convergent Outsourcing ( collection company ) collecting on behalf of XXXX XXXX XXXX. 
XXXX form XXXX XXXX Acct # XXXX The person lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, used my personal identity to opened utility account from these XXXX companies. 

I want to dispute these XXXX charges.
Product: Debt collection

Yesterday on XX/XX/XXXX I received a call and voicemail from XXXX from phone # XXXX who couldn't even be bothered to provide their full business name which they later disclosed today on XX/XX/XXXX as being XXXX XXXX XXXX. The voicemail provided a file # XXXX and mentioned threats of a lawsuit review. I called the phone number back same day on XX/XX/XXXX and spoke to a XXXX XXXX who spoke XXXX using a lot of legal jargon and telling me this was about a XXXX XXXX XXXX loan from XXXX or XXXX. XXXX XXXX then stated she has record of me opening email communications of the debt through my IP address which is another scammy thing that's pretty much stalking since I would never consent to be tracked in any way by an unknown sender. Not sure how they are permitted to behave this way if they are a legit business. XXXX XXXX also threatened recommendation for my license to be suspended and or for a lien to be filed yet continued to say the debt is in dispute. XXXX XXXX said the borrowed debt is around {$900.00} but are showing a total amount of over XXXX that is due. XXXX XXXX gave me the phone # XXXX to call for further information. XXXX has never sent me a letter to explain their involvement in the debt and XXXX XXXX XXXX has nothing on file for me to explain where this debt is or was. I called XXXX XXXX XXXX today XX/XX/XXXX several times to hopefully speak to someone knowledgeable but they can't find anything. Today I called XXXX back to attempt yet again to get more information and spoke to a XXXX XXXX at phone # XXXX in the legal department who would not allow me to speak or ask questions about the debt and if I tried to ask anything he would yell and accused me me of borrowing money and not paying it back and of talking to him like he was a child. Very unprofessional! He mentioned my debt was sold but never said to who and said they have my fingerprint and video footage. Then afterwards, told me the call may be recorded which he shoulda said from the beginning! Very threatening! Poor and inadequate communication! 
Today I just got an email response from XXXX XXXX XXXX saying they sell accounts to Plaza Services LLC. These people don't answer the phone!
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX  Bank of America XXXX XXXX XXXX those are all the banks I seen that was opened up in my name
Product: Credit card or prepaid card

I lost my card and contacted the company for a replacement card. I was told that I have to wait 5 business days to receive a card after I am required to send my Id to them first. I sent picture of license and utility bill while on the phone. I have bills to pay and my money is being withheld. I use the address they have on file and another address. I was told there is nothing to be done and now I have no access to my account balance online and when I call it says my balance is XXXX. I asked to close the account and receive a check for my balance and was told no
Product: Debt collection

I disputed this debit at least XXXX times with all three credit bureaus and each time it comes back as 'verified ' and they will send me old statements. The statements are to addresses that I have never lived it as these debts are not mine. 

They will not provide further proof that it was actually ME, no identification was used so it's essential there word against mine and their only proof is the statement. No application or anything. This debt is not mine. I personally did not apply for or use this card. That's why whoever did only maxed it out and never made a payment as it was a complete scam.
Product: Credit reporting or other personal consumer reports

i had issues with old credit cards from my previous work. i found out i owe a lot of money. i hired upstart finance to settle with my creditors. which they did after collecting large sum of money from me during monthly payments of {$1700.00} for almost 18 payments. then UPSTART told me that they can complete all settlements if i was to get a loan from their lending company which is CREDIT 9. i agreed even though it is at almost 25 % because i knew once i settle i can then barrow money against my house and pay off their high interest loan. when i attempted to barrow the money from another company against my house i found out that upstart had falsely reported the debt as charge off which had effected my credit rating so bad that i can no longer barrow money until i pay off the credit 9 which is their company anyways. i have called so many time to try to fix it with them and they keep bouncing me back and forth between them and i get no where. i have calculated that at the end of this scam i would have paid more to upstart than my original lenders. i have hired an attorney to deal with my ex employer and their credit charges. but i really need help with this company. this is a scam to make sure i can get another loan. this company appears to be operating under several names : upstaXXXX  ... upstart... credit 9 ..XXXX XXXX. please help
Product: Debt collection

XX/XX/XXXX, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know ncb debt collections management have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.
Product: Credit card

XXXX states claims resolved within 90 days. I have claims over a year and the company doesnt provide documentation.
Product: Credit reporting or other personal consumer reports

I have previously brought to your attention the issue of generic validation letters being sent in response to disputes against XXXX XXXX XXXX and the XXXX fraudulent accounts in my name, rather than a thorough investigation as required by the FCRA. This practice is in direct violation of several sections of the FCRA, including but not limited to : Section 611 ( a ) ( 1 ) ( A ) : This section mandates that consumer reporting agencies ( CRAs ) must conduct a reasonable reinvestigation to determine the accuracy of disputed information.

Section 611 ( a ) ( 5 ) ( A ) : This section requires CRAs to promptly delete or modify inaccurate, incomplete, or unverifiable information.

Section 611 ( a ) ( 7 ) : This section emphasizes that CRAs must provide a written summary of the results of the reinvestigation to the consumer within XXXX business days of its completion. 

These accounts were the result of identity theft so of course the information matches mine, BUT I am not the one who agreed, open, or used this company. 

Account : XXXX {$26000.00} Account : XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX