23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is reporting a debt on my XXXX credit report that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : https : XXXX
Product: Checking or savings account

On XX/XX/XXXX I was made aware limitations or put on my PayPal account due to my inability to verify my ID. I have been dealing with the company and send a copy of my XXXX state ID which was not acceptable therefore I obtained a birth certificate and a XXXX ID card. At the time of submitting the XXXX XXXX I was told it would be 72 hours to make account to be unlocked. Call the company after 72 hours and was then advise my account was going to be locked until XX/XX/XXXX due to the high amount of activity in the account. I was giving no further recourse to be able to access my funds and told there was nothing I could do so I came here late to try and further my actions in receiving my benefits. My sons come from the department XXXX XXXX XXXX for my compensation payment and it is XXXX a month and the amount sent out was for child support and other family needs.
Product: Credit card or prepaid card

On XX/XX/XXXX i called Sychrony bank/XXXX because i was unable to access my account. They advised that i had called in claiming the account was open via fraud and i didnt open my account. They closed my account. However i never called and every time i call in they only ask for my name and then claim its verified. The company said because it wasnt fraud because the person called in with all of my account info. they refuse to investigate to as its not their issue and i cant listen to the call to confirm its who it is. This is the 2nd time that someone was able to make fraudulent claims/charges on this account in less than 3 months. They wont let me speak to a manager. I have been given zero documentation on this.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have collected. In spite of having sufficient funds when transactions were authorized, I was charged fees due to the lagging post 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 account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me 30 days late to XXXX for XX/XX/XXXX and XX/XX/XXXX. I was not and they were paid of in XXXX. They show me 30 days late each month for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax and I was not and this was corrected and removed and now put back. This account is over 15 years old and is closed and should be removed from my XXXX and Equifax report. All that XXXX XXXX XXXX has done is stop my refinance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$7000.00} ), XXXX XXXX ( Account Number XXXX Open Date XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX ( Account Number XXXX Open Date XX/XX/XXXX, Balance : {$5900.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$3800.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$3700.00} ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$3000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX ( Account Number XXXX  Open Date XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I am writing to formally address an issue concerning a motor vehicle accident in which I was involved. Following this incident, XXXX XXXX paid off the vehicle, indicating that I was in good standing at the time. The case was subsequently closed. 

However, a year later, I began receiving bills related to this matter. It is important to note that if I had owed any amounts or been in poor standing, XXXX would not have settled the vehicles balance, and my insurance would have been rendered invalid. Therefore, the issuance of these bills appears to be unjustified and warrants immediate rectification. 

Accordingly, I am requesting the following within 30 days, Failure to provide this information will invoke the Doctrine of Estoppel by Silence as established in Englehardt vs. Graves ( MO ) 281 SW 715, 719, leading me to conclude that there is no proof of the alleged debt and that no such debt exists and must be deleted for my credit file. 

Debt Validation Letter Original Agreement Creditor Details Signed Agreement Proof of Assignment These requests are made pursuant to the following statutory provisions : 15 U.S.C. 1681b 15 U.S.C. 1602 15 U.S.C. 1681i ( 5 ) ( A ) 18 U.S.C. 1028A FCRA 604 ( a ), 15 U.S.C. 1681c1 FCRA 605 ( b ), 15 U.S.C. 1681c2 FDCPA, 15 U.S.C. 1692 These Applicable Federal Laws Validate that this negative reporting on my credit file must be removed. 

Please treat this matter with the urgency it deserves and ensure compliance with the relevant federal statutes. Failure to do so may result in further legal action to protect my rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to SYNCB to get the inquire removed but, they haven't resolved the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and Experian, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from Experian and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my Experian account, and it is stated that my account with XXXX 's has been closed. It won't even show on my XXXX XXXXa account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.
Product: Mortgage

On XXXX, we received a trial loan modification for signature from Rushmore Loan Management Services. 

After reviewing the documents, we noticed in the verbiage of the documents that once acceptance has taken place, adverse impact will affect our credit score. 

This is something that we are not happy about. CFPB interpretive rules states that an heir to the estate after a parent dies is able to acquire a loan without any negative impact to them. In other words, we should be able to acquire the loan without any problems. No adverse impact to credit score.
Product: Checking or savings account

I opened the account for a bonus with the requirements of depositing {$1500.00} within 30 days and doing XXXX transactions within 90 days. I completed both of these and the company is refusing to pay out. they are claiming that the promo code was not attached so they don't have to pay
Product: Credit card

XX/XX/year> - XXXXXXXX XXXX was removed from Balance by capital one XX/XX/year> - Capital one adds additional UNAUTHORIZED Charges to my account XX/XX/year> - Capital One has not returned XXXX XXXX. I have spent every week following up with them
Product: Debt collection

I am being harassed by getting repeated calls everyday. 
They are also calling me from an anonymous number repeatedly. 
I am even receiving phone calls from them at XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate these accounts was in dispute within XXXX  days now these accounts in violation XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX BalanceOwed XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) Dear XXXX, I am writing to formally dispute the claim of civil liability for negligence referenced as 1681 0. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX via XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed dispute with Experian and XXXX that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX  deleted the account.
Product: Debt collection

THIS DEBT IS FROM 2008, ALMOST 9 YEARS OLD, AND IS BEING REPACKAGED AND SOLD TO FINEX GROUP ( A COLLECTION AGENCY ) AS A NEW DEBT. IT 'S BEING REPORTED TO THE CREDIT BUREAUS AS CURRENT. THE ACCOUNT NUMBER IS XXXX.
Product: Credit card or prepaid card

Hello, I have made a purchase from XXXX using my american express card. The item never arrived. There is a bogus signature from XXXX as proof that it arrived but it's not my signature, my name is spelled incorrectly. XXXX claimed there is a scan of my ID, but that's impossible because I did not receive the order and therefor never saw the driver and never gave my ID. I did not receive this item and American Express did not follow up with me as to why my claim was denied. I would like a re-investigation into this matter. If there is a scan of my ID, please show it to me because as of now the only thing shown to me was a XXXX XXXX with my name misspelled. I have also submitted to AMEX my response to XXXX claims and described how I did not receive the order. This is completely unfair and it puts me in a very awkward situation because now I don't trust my card moving forward. Please resolve this issue. I did not sign for this package, I did not receive it, and my ID could not have been scanned. The charge Date is XXXX XXXX, amound is XXXX
Product: Checking or savings account

I applied for a free bottle of supplement with a company name XXXX XXXX. I canceled the membership before the trial period ended, also the card I gave them was closed and a new card was issued. Suntrust allowed the XXXX XXXX to charge a card they did n't have to authorization to charge nor did they have the card number.I am in GA and my family was affected by XXXX XXXX and because of Suntrust negligence, my family has been without food 2 days.They are refusing to reimburse fees for an illegal transaction they authorized. NOT ME. I NEED MY FUND 3 DAYS AGO. 

PLEASE HELP
Product: Checking or savings account

I received several emails from Citibank to make a deposit to open my " free checking account ''. I ignored and deleted the emails as " spam '' I then sent payment to Citibank on a " secured credit card '' that I do have with Citibank. The payment I made was {$100.00} on a {$200.00} credit card balance, on XX/XX/XXXX. 
I sent the payment through XXXX XXXX 's bill pay, which is an electronic payment. I also sent two other credit companies payments at the same time. 
On XXXX, XX/XX/XXXX, I checked the credit cards. All of the payments were received, posted and my available credit except Citibank 's. 
Then I checked my emails and saw an email from Citibank, stating that the funds available to my credit card may be withheld to a a negative balance on my checking account. 
I phoned Citibank but they were closed or I stayed on hold and no one picked up after an hour of waiting. 
I went to the mobile app and nowhere did it state that I had any checking account linked to my credit card nor any information regarding this " checking account '' I never opened. 
Today, XX/XX/XXXX, I received an email from Citibank stating that there was a monthly fee of {$15.00} charged to my checking account and since I did not have the money in the checking account I never authorized to open, Citibank was charging me an additional {$34.00} for overdraft fees for the {$15.00} in fees they charged me, therefore, demanding I submit payment in the amount of {$49.00} to put my account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Bank. Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account Number : 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My BJ 's Perks Mastercard issued through Comenity has failed to report updated balance to credit bureaus. There has not been an update since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 16 CFR 313.4 a company must provide an initial clear and conspicuous notice that accurately reflects the privacy policies and practices as well as an annual notice to consumers. I have not received an initial nor an annual notice from Santander. When I reach out to Santander for the information, I get no response. 

Being that Santander has not provided myself with the required notices, Santander is not providing proper documents required allowing myself to opt out of having my personal information to be shared to a nonaffiliated third party pursuant 16 CFR 313.7. 

Santander has provided my personal information to both XXXX and XXXX with out my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

Missing disclosures in Mortgage closing : XXXX # XXXX # XXXX NC Treasurer Unclaimed Property : Mortgage Escrow Reimbursement # XXXX Real Estate Lawyer Review : XXXX XXXX XXXX XX/XX/2017
Product: Money transfer, virtual currency, or money service

Cash app closes my account out for no reason i ended up getting my irs stimulus check through cash app and it wont let me cash out the money that I need Im without a job due to this pandemic and that is all I have
Product: Checking or savings account

I was receiving XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Checks were made out for Momnt account and the check were cashed and XXXX XXXX Closed with completing the treatment. I received a letter from XXXX XXXX stating I can get a refund, But they never forwarded the check to Momnt they cashed them. Now I can't get a refund. XXXX check from XXXX XXXX XXXX XXXX for XXXX a piece. Total XXXX The check were cashed at XXXX Bank by someone name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2022 I sent a 2nd letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old addresses still appear on my report. USPS tracking number XXXX Experian stated they properly investigated my dispute, but how is that possible when all these ld addresses still appear on my credit report This grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute accuracy ... reflecting late XXXX  months late..nothing was changed.
Product: Debt collection

I tried to get all credit bureau to get those collections agencies to verify that I owe the debt multiple times, by having those collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. 

Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

What is their authorization of law for their collection of information? 

What is their authorization of law for of their collection of this alleged debt? 

Please evidence their authorization to do business or operate in the state of New York. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies.