23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

See attached. 
Get these panhandling frauds out of my email inbox. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting

A collection account is reporting to other businesses on my credit file as an open collection. The creditor has reported to Equifax that the account is closed, XXXX balance, and was included in a bankruptcy. XXXX correctly reports the account status as closed. Equifax is the only credit bureau reporting the status as an " open '' collection. I have disputed this info multiple times with Equifax and they are not resolving my issue. I have submitted a complaint to Consumer Protection ( Case # XXXX ) and it was not addressed either. I have called Equifax and they are not resolving my issue. They told me to contact the creditor. I contacted the creditor, XXXX XXXX , XXXX, and they told me they are reporting to Equifax and the other XXXX credit bureaus that this account is closed. I am attaching supporting documentation this time to my complaint from XXXX XXXX that keeps showing this collection as an open collection. I was recently denied credit by several companies for an auto loan because of this open collection reporting to them when they pulled my credit report as well. This collection account reporting as open instead of as closed is negatively impacting my credit score even though it is a XXXX balance. An open collection harms my credit score more than a closed collection. If this complaint is not resolved this time, I will be contacting an attorney for legal services. I have been trying to get this issue resolved via telephone, dispute process, complaint process, etc. for months.
Product: Debt collection

This is my XXXX complaint about Regional Finance, Ive sent them a XXXX XXXX XXXX letter that I was provided by XXXX, filled it out & sent it to them and they repeatedly contact me. Im uploading a letter I received today. I want the harassment to stop.
Product: Checking or savings account

In XX/XX/year> I started processing a Lump Sum withdrawal from XXXXXX/XX/XXXXas I noticed an emergency sum of cash was needed to keep us in balance, their processing were ridiculous with verifying my identity and provide the correct information for us to have access to these funds ; I have established through Wells Fargo 6 Bank Accounts 1 Small Business Checking Account, 5 Personal Checking Account used in alliance with my XXXX XXXX XXXX, a strategy for preparing for Tax Season and understanding the XXXX  number you are spending in a month. I contacted all of my vendors and creditors I could not contact everyone as checks continue to process given all were on Autopay. WF has made it their position that each and every transaction whether in or out opting for Overdraft Protection, a transaction is only paid to the discretion of Wells Fargo. The checking processes are being continuous and these checks are not being returned so it is fees upon Fees, I had funds to cover the fees but the checks I could not afford right now and now 1 of my accounts have closed because these emergency funds were held up on red tape. If it was to the Banking institutions discretion and I have 4 of the 6 accounts in the negative for 30 plus days should it not be in the Financial Institution same discretion to return all of these checks. WF did not stop a very large Software Transaction Reoccurring Subscription Transaction of exactly XXXX. This amount would of been sufficient to satisfy my existing negative balances but instead they close one of my accounts XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of XXXX XXXXt. The following accounts currently showing and listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent accounts and is the result of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has called me 14 times since XX/XX/2022. I have received no written communication about any debt. I don't recognize this debt or the phone number that keeps calling. I signed onto my XXXX XXXX today and saw the account on my credit as well. I have disputed the account with XXXX. This company has called me XX/XX/XXXX at XXXX EST, XX/XX/XXXX at XXXX EST, XX/XX/XXXX at both XXXX and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX EST, XX/XX/XXXX they called 4 times! : XXXX, XXXX, XXXX, and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX Per CFPB Regulation F - a debt collector may not call a consumer more than 7 times in 7 days. This debt collector is in violation of this rule and are harassing me. 
Additionally, I never received a validation letter for this debt and do not recognize it.
Product: Credit card

I purchased a concert ticket to an event called " XXXX XXXX XXXX ''. There is an option to purchase " ticket insurance '' in the event you can not attend the event.

So, to my knowledge I had purchased an insured ticket.

The vendor emails me post purchase with a invoice with the insurance added for a total of {$360.00}. However, after that, they send me an email that they were " unable to add insurance '' to my order and now the total is {$340.00}.

The problem is, I purchased an insured ticket and received an uninsured ticket with no protection.

So, I called the vendor and told them that I need insurance for this ticket or I need my money back as I don't want to be on the hook incase I can not attend. They told me they wouldn't refund me or add the insurance. 

I immediately disputed the charge with Chase on XX/XX/2023 as I purchased an insured ticket and received an uninsured ticket. Chase will not grant me the dispute in my favor and is just leaving me in the dust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2
Product: Debt collection

On XX/XX/2019, my Chase checking account was hacked. A person I have never dealt with or met in my life stole {$1400.00} from my account of which {$1500.00} was present. I informed Chase of the fraud and they refunded my account, allowed me to withdraw my money, and close the said account. However, on XX/XX/2019, Chase is calming the fraud was in fact not a fraud and is demanding I pay the money back to them. 

1. The total amount in my account was {$1500.00}.

2. My rent, which ALWAYS comes out through auto-pay, is {$1500.00} due on XX/XX/2019. 
3. I have no direct deposit or income source that is transferred into the chase account. 
4. Chase claims that I am lying and that I, for some idiotic and psychopathic reason, decided to quick-pay my rent to a random man that there is ZERO records of me ever dealing with before.

5. I have many other accounts that were also hacked such as : XXXX XXXX, XXXX XXXX, XXXX account, and XXXX. 
6. The man who supposedly hacked my account is named XXXX XXXX. A BASIC name search shows no XXXX XXXX residing in the United States. 

I believe that Chase has access to all of this information because of the ease that even an incompetent child could access it. However, they instead try and steal money from my account rather than do their jobs. Lastly, I would like to close with a logic question. If a man has rent due on the first of every month and that rent has been set to autopay for the last 5 years on the exact day, would a sane person decide to quickpay all of the money is his account to a strange whom he has never done business with and that resides outside of the United States?
Product: Debt collection

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I've tried disputing this account several times in the past but they keep saying it's been verified which I'm not sure how this is happening.
Product: Credit reporting or other personal consumer reports

The XXXX account ( ending in XXXX ) inaccurately reports a high balance of {$2900.00}, even though it is paid off and closed. Similarly, the XXXX XXXX account ( ending in XXXX ) reports a balance of {$4800.00}, which was paid in full as of XX/XX/year>. 

Under **15 USC 1681i**, I demand a reinvestigation to ensure accuracy. Additionally, **16 CFR 602.6** obligates credit bureaus to update consumer files promptly. If these inaccuracies are not corrected, I will escalate the matter to the FTC.
Product: Mortgage

I contacted Mr. Cooper in XXXX, having recieved notification that my condo insurance carrier elected to not renew. I was paying about {$250.00} annually, when I attempted to secured a different company I realized that a new policy would cost about {$650.00}. Being confronted with the type increase I contacted Mr. Cooper to inquire if the umbrella policy carried by my Condominium that offered full coverage for the exterior and building structure. Since I was already assuming full liability for house hold contents, would it be acceptable to not purchase another XXXX policy I was advised that this would be okay, this was XX/XX/year>. 
I contacted Mr Cooper again in XX/XX/year> and agin XXXX, once the XXXX policy expired to confirm that a new XXXX policy would not be required. During the contact once I confirmed that a new XXXX policy was not required I requested that my escrow be adjusted to eliminate the withholding for the XXXX policy, the person that I speak with confrims the request. Then I continue receiving demands for the XXXX policy with a threat that Mr. Cooper will purchase the policy on my behalf that will only cover the structure, which is the policy that my community umbrella policy provides. 
Please help me to get Mr. Cooper to understand that they have the necessary certificate of Liability Insurance on file. Then to have my escrow payment adjusted to eliminate the withholding for insurance and to return the amount paid year to date.
Product: Debt collection

In XX/XX/XXXX a letter was received in reference to a second mortgage debt. I provided information of the bankruptcy discharge, as well as the debt was accelerated nearly two decades ago and various collection activities occurred over 15 years ago. Under the law the debt is time-barred. I disputed the debt with the company, Brock & ScotXXXX, in which they replied that they wanted copies of acceleration letters. Those letters were provided to them in XXXX. Since that time, they have begun attempts to collect the time-barred mortgage. At no point have they responded to the dispute nor responded to the twice made request for a full chain of title, documentation of the full chain of title, all endorsements, age of debt, last payment on the account, current accounting, last actions taken on the account, calculation of limitations period, original creditor name and address and all alleged transfer dates should be provided under the dispute previsions. A request was also made for all licensing and legal authority to act on and pursue said alleged debt within the state of Ohio. To date, again, nothing was provided yet collection attempts have began. 

Attached is the letters sent- including the showing that a collection attempt was started in XXXX. Brock & Scott will not respond and failed to comply with any conditions of the dispute process.
Product: Checking or savings account

XXXX XXXX. XX/XX/2023 XXXX. I received XXXX phone calls from Chase Bank XXXX XXXX ) and picked up the XXXX call. 
XXXX. A Chase representative told me that they were calling to verify a charge that was currently being made at a XXXX with my debit card ending in XXXX. I was working at home at the time of the call and confirmed that the debit card was still in my possession. I told the rep that the charge was not authorized. The rep said that to cancel and reissue my debit card, I had to provide my pin number to verify and confirm. I proceeded with providing my pin number. The rep confirmed that my card ending in XXXX is cancelled and that my new debit card would be expedited in the next XXXX business days. 
2. XX/XX/2023 XXXX. I woke up at XXXX and checked my checking account. I saw XXXX ATM withdrawals on XX/XX/2023. Each withdrawal was {$100.00}, totaling to {$2100.00}. I did not make any of these ATM withdrawals. 
XXXX. I called Chase immediately at XXXX to file a claim. The following transpired : XXXX. Chase told me that the ATM withdrawals were made via a digital wallet. I confirmed that I have never put my debit card information in my XXXX XXXX. I also confirmed that the only time I provided my debit card pin was to the Chase representative on XX/XX/2023 in order to cancel and reissue my debit card. 
XXXX. Chase told me that my debit card ending in XXXX was still active and there is no record of a new debit card being reissued. I requested again for my debit card be cancelled and reissued. 
XXXX. Chase Fraud Protection provided more detail, saying that my debit card information was compromised and was loaded onto someones digital wallet for use. 
XXXX. Chase told me that this information was documented on their end and I would receive the results of my claim in XXXX calendar days. 
XXXX. XX/XX/2023 XXXX. I received an update of information about my claim from Chase. No adjustment will be made to my account at this time.
Product: Student loan

Over the years, by Nelnet, I was guided to forbearance without a clear understanding of the consequences of interest capitalization. I was told that my loan is simple interest. Even though I am financially prudent and astute, the true meaning of interest capitalization just became clear. 

My credit score went down 50 points from XX/XX/XXXX to XX/XX/XXXX, because my student loan debt increased. When I contacted Nelnet today, XX/XX/XXXX, for the first time, interest capitalization was clearly explained. Interest capitalization is the reason my loan debt increased, and my credit score decreased by 50 points. 

Also, Nelnet lost my Loan Forgiveness application for {$17.00}, XXXX. The forgiveness process, including when the application was lost and resubmitted, took from XX/XX/XXXX until XX/XX/XXXX. Nelnet accrued and capitalized interest during the time the application was lost and while the forgiveness process completed. A Nelnet adviser said today, XX/XX/XXXX that interest accrues at {$4.00} a day so for the approximately 6 months the process took from submission, being lost, and processed the accrued interest is approximately {$830.00}. 

Furthermore, I received two almost identical letters regarding a single forbearance. One letter was dated XX/XX/XXXX and the other XX/XX/XXXX. The 1st letter said the estimated interest to accrue was {$.00}. The second letter said accrued interest was {$4900.00}. Scanned copies are attached. 

Additionally, on XX/XX/XXXX, a Nelnet adviser said that my 10 year loan repayment was {$170.00}. After checking my account today, XX/XX/XXXX, I discovered that the payment term is 233 months instead of 120 months, is {$190.00} instead of {$170.00}, and I could pay more than {$20000.00} interest on a {$25000.00} debt. 

I need to make much higher payments to avoid further interest capitalization financial damage. This appears unethical.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with US Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of US Bank for over four years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/year>, was returned due to insufficient funds in my US Bank checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from US Bankafter the 30-day period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/year>, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to US Bank, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from US Bank about the failed payment. 
I took immediate action to make the payment once I became aware, well within the 30-day mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that US Bank correct this error and remove the late payment from my credit report to prevent further damage to my credit score. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Credit repot have my information wrong it does not show XXXX or XXXX false identity.
Product: Debt collection

Hello, Over the course of few months, I have disputed this debt with this company with this company sending the information back to XXXX  as verified. Both XXXX  and XXXX has successfully investigated this debt collection and successfully deleted it off of my credit profile.

I do not have a signed contract nor any contract with this company. I am not liable for collection from this debt. I am not responsible for this debt.

I have sent over a police report on several occasions along with supporting documents that this account don't belong to me.

Again, both XXXX  and XXXX  has stopped reporting this debt on my profile yet, this company is still verifying it with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, while reviewing my consumer report I noticed inaccurate personal information being reported. I contacted Experian via certified mail, including documents to verify my identity. To date, I've received negative results from Experian in reference to this matter. 

Certified mail # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes but never received a response. It's been longer than 30 thirty days and nothing has changed on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XX/XX/XXXX. 

The three credit reports came from XXXX, Equifax Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section 611 of the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from Experian stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either XXXX of the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a cease and desist fax to XXXX XXXX XXXX. The following day I received notification via XXXX XXXX that there was a hard inquiry made on my credit. I did not authorize this and have disputed it with XXXX XXXX financial. I would like to file a complaint and seek retribution and correction from the unauthorized hard inquiry made to my credit
Product: Checking or savings account

I had a fraudulent bank account opened under my social security number and Bank of America took 8 months to close it even after filing several complaints and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed several items on my Experian Credit Report that were inaccurate, erroneous and or debilitating to future credit opportunities. All of the items were returned unchanged on my credit report at the end of their investigation. I followed up with a letter requesting the method of verification and still have not received a response. I have since written another letter. XX/XX/XXXX, to have the invalid accounts removed and am waiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Credit card or prepaid card

On XXXX XXXX I received a letter from XXXX XXXX XXXX stating that I am eligible for a credit by reviewing my credit history. I never had the intention to apply but their offer letter and documentation was attractive and misleading. I enrolled online and tried to accept this offer with the intention that I will receive a new Credit Card. They immediately evaluated my approval and denied to give me a credit card. They made a hard inquiry on my credit score and deteriorated my and my wife 's scores. Since we are very new to the US, we just moved from XXXX to US this summer, we are also new to the credit environment. We know that in US credit score matters and is very important. This is why we have not been applying to all scams and all promotional materials. But this one was really misleading and it did not mention that I am not eligible for a credit card. I want your support to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report that I request be removed under the FCRA. I have attached proof of my Identity, address, and Identity theft report.