23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My father passed and when I received his death certificate I took it along with all necessary papers requested by the bank to closed his account. Weeks later the bank tried to reclaim the funds as it was money from Social Security. Anyway I had filed bankruptcy during this time period and this was an unnamed debt that falls under the Federal Bankruptcy Code In re XXXX, XXXX XXXX, Debtor. United States Bankruptcy Court, XXXX XXXX XXXX. XXXX ( 1997 ) Bankruptcy No. XXXX XXXX XXXX XXXX, 1997. As described in Section XXXX ( b ) of the XXXX. Section XXXX ( b ) provides that all of a debtor 's pre-petition debts are discharged ... XXXX ( b ) ( emphasis added ). The issue in this case is whether reopening the case to add an omitted creditor is necessary to accord relief to the Debtor. The Court concludes that reopening a & quot ; no-asset & quot ; chapter XXXX case to add an omitted creditor has no effect on the dischargeability of such debt. 

Additionally, I do not believe I owe this debt as notified the bank of my intention to close the account because of the death and thereafter presented the bank will all necessary papers they requested. I gave all this information to the collection agency. I heard nothing more until I was contacted that the debt was sold. I informed the new collection agency of the situation and all collection attempts have stopped but it remains on my credit report as possibly being included in a bankruptcy. I would like it removed from my report.
Product: Debt collection

This is the third time I have dealt with Midwest Recovery Systems reporting to my credit bureau. Once already for an illegal payday loan that was over 10 years old, that they put on my credit. And another for a debt that they never sent me any notification on, and agreed to stop all collection attempts. And YET again, I have to deal with them a third time, where I got ZERO written notification on this debt through the mail that I could dispute the account, and it just APPEARED on my credit report. At this point, after 3 times of this occurring by the same collection agency, with no communication via writing, before these collections appear on my account, it is pretty obvious that they do not follow the law. 

Midwest Recovery Systems, XXXX. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my Experian report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. Alleged balance : {$990.00} Original Debtor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in the state in which the debt was incurred and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( 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  Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today upon checking my credit report on XXXX XXXX my score decreased significantly because XXXX  reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.
Product: Debt collection

I have been called non stop for a few years about a debt, I have filed the paper work they need to clear me of the debt and they will not stop. They are claiming it is a XXXX XXXX account but all my XXXX XXXX accounts are in good ordered and closed, I called XXXX XXXX they say there is no outstanding debt owed. They have also, some how found a number I work at and called and notified a friend of the debt they are trying to collect and giving me a bad name. I have told them not to call me back everytime they called.
Product: Credit card or prepaid card

On XX/XX/XXXX my XXXX XXXX issued by Barclays Bank account ending in XXXX ( I dont know what the full number was ) was stolen. I reported the card stolen the same day XXXX XXXX the representative for Barclays said they would issue me a new card. At this time the representative never asked if I was aware of any purchases that might be suspicious and I was unaware as all banking is done on line. I made a police report to the local police in XXXX XXXX Pa where the thief occurred. Not long after I received my online statement from Barclays Bank showing a charge of {$850.00} made at a XXXX in XXXX Pa and a charge of {$500.00} at a XXXX XXXX XXXX on XX/XX/XXXX the day of the theft. I called Barclays and was told by the representative that I didnt report the charges as fraud in a timely matter and they would have to investigate she also stated that I would receive a letter from Barclays regarding the investigation. I just received a letter from them XXXX XXXX and this was a pending investigation that had to go through two complete billing cycles from the date of suspicious activity was reported. In a prior phone call the representative suggested faxing the police report to their headquarters in XXXX Delaware however their numbers for Delaware route you to their overseas ( somewhere ) representative.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I moved and started new internet/cable service with XXXX. They did a hard inquiry into my credit on XX/XX/XXXX, which I did authorize. 
Two weeks later I received a notice that all of my services had been discontinued and I needed to contact XXXX to set back up. On XX/XX/XXXX I called XXXX to reinstate the service they cancelled for no reason and without my authorization, they ran my credit and put another hard inquiry on my report. 
Once I realized this error at the beginning of XX/XX/XXXX, I disputed the second hard inquiry from XX/XX/XXXX with Equifax, the reporting agency, and they told me the dispute had to be with XXXX and that they weren't able to resolve. 
After the response from Equifax I contacted XXXX and after several weeks they told me they had submitted a deletion request to Equifax to remove the second hard inquiry on my report. 
It has been over a month and this hard inquiry is still showing on my credit report, thus hurting my credit score. It seems that XXXX isn't doing their part and Equifax isn't taking responsibility to remove the incorrect/unauthorized inquiry. It would be very helpful if CFPB could reach out to the necessary company to have this hard inquiry removed from my Equifax credit report. Thank you.
Product: Checking or savings account

I have been charged insufficient funds and overdraft fees several times over the past few years by Capital One. The reoccurring issue is that some charges will be rejected, and I will be charged a {$35.00} fee, while other charges will be paid, and I will still be charged a {$35.00} fee, which sometimes exceeds the amount of the charge which was rejected. 

I have been told by customer service to deposit more funds as a solution. I have been told that an algorithm decides which charges to cover and which to reject. 

The total amount of NSF fees paid each year amounts to more then what a payday loan might charge ... 

I hold two capital one credit cards which are not taken into consideration or able to be linked to the account to cover said charges.
Product: Mortgage

UNITEDWHOLESALE I enroll in autopay with them, I did my first payment on XX/XX/2022 for the month of XXXX XXXX. UNITEDWHOLESALE did not collect XXXX and XX/XX/2022. I did contacted them on XX/XX/2022. I was informed that they have some technical issues and they are accountable for the mistake of the autopayment. On XX/XX/2022 they were able to received the ( 2 ) payments and because it was not my mistake they did not give me a late payment charge. Now I have a bad credit and this issues need to be solve because it was UNITEDWHOLESALE technical issue. My credit report show XXXX points on my report. 
I would appreciate to assit me how to get fix.. see below the payment Thank you! 
We have received your loan payment. 

Date Received : XX/XX/2022 Payment Amount : {$1300.00}
Product: Money transfer, virtual currency, or money service

I sold a book and the person paid me via Venmo. It was not a business or sales transaction on Venmo. 

The person that purchased the book did not provide a mailing address. It took one week to obtain the address from her. ( I provided proof of this to Venmo. ) I sent the book after receiving the address. ( I provided tracking number to Venmo. ) It was received but the buyer said it took too long. I reminded her that she did not provide me a mailing address. ( I provided proof of this conversation to Venmo. ) Venmo sent me a request for information, it went to my spam folder. The day that I became aware of the issue, I contacted Venmo and provided proof. 

Venmo credited the buyer and restricted my account. Venmo stated that I took too long to respond. I was unaware there was anything to respond to.
Product: Checking or savings account

Yes I deposited a mobile check from my employer. I have had the same employer direct deposit money to account many times and have had checks cashed as well. XXXX is deciding to hold the funds and so I called them to see what was going on and they said the cant release the funds for almost two weeks! my employer verified they called them and they let XXXX know the funds are legit. I need them to deposit the money into my account immediately.
Product: Credit card or prepaid card

At the beginning of the year Wells Fargo offered me a balance transfer, and in XXXX I accepted it and had {$750.00} paid on XXXX XXXX account. 
On XX/XX/XXXX, after a couple of weeks that money was applied to my Wells Fargo account but not applied to my XXXX XXXXXXXX account, I called and notified Wells Fargo of issue and they were opening file and research issue which was supposed to take up to 90 days. 
On XX/XX/XXXX, after not hearing anything from anyone I called to find out status and was told the 90 days has not passed, and so I wait. 
XX/XX/XXXX, a while after 90 days passed and still no info I called again, they wanted another 90 days to look into the problem. I informed the person that I had already been through that and they were suppose to expedite it, and yet still over a month later. I am still waiting for resolution on my lost money.
Product: Mortgage

Amerisave Mortgage - Trying to get PMI cancelled with now having 20 percent home equity based on my houses assessed value from the county. 

XX/XX/XXXX called in to request PMI cancelation. 
XX/XX/XXXX no letter received, requested another letter to be sent XX/XX/XXXX no letter received, requested letter to be faxed and mailed, they didn't have record of sending me requesting a fax XX/XX/XXXX no letter received, fax/mailed to be sent requested again. 
XX/XX/XXXX, they said they are now reviewing the PMI removal and to call back XX/XX/XXXX but would fax me a letter which now I am not sure what the letter they are trying to fax is about. They said the letter was mailed on XX/XX/XXXX too which is what?? 
Now the supervisor is saying it cant be faxed and now that it will take another 3 days to send the fax but will put in a request to have it faxed to see if the escrow department will fax it, it will take another 3 days to fax. 
Going to call in again on XX/XX/XXXX just to see what they say. They are purposely delaying and lying for sure!!
Product: Credit reporting or other personal consumer reports

The bank keeps using incorrect account information in regard to given name and charging, I, as XXXX XXXX XXXX XXXX XXXX XXXX or XXXX when I was given an indivisible name XXXX XXXX XXXX XXXX XXXX ) from XXXX with a perfect credit score ( tax classification ) that is indivisible as well and the account doesn't reflect tax classification, I, being given a perfect indivisible credit score. Than from application an error to include a middle name which isn't apart of my identification card used to aquire account I believe is blocking services promised to I by US Federal reserve banking institution in a perfect and indivisible credit score for bank to write off stuff as tax write offs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX : {$180.00}, XXXX XXXX XXXX Balance : {$630.00}, 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, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

SLS sent a notice of default to me, on my loan, prior to 120 days of delinquency in violation of XXXX. The letter was sent to me certified on XXXX/XXXX/2015, which was only XXXX days delinquent.
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  XXXX Account Number:XXXX  Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

opened my checking and savings account on XX/XX/XXXX of 2022 for the {$600.00} promotion following the rules of the promotion depositing {$500.00} in the form of a direct deposit within opening to the checking account, and a recurring deposit of {$200.00} 3 months in a row in the savings account. 

the promotional mailer spells out these specifics, and says that account bonus will be paid by XX/XX/2022 at the latest, if opening in XXXX. 

I contacted Citizens bank on XX/XX/XXXX regarding the missing bonus, and was told my account was in a " closed status '', which is not accurate, as it remains open, and they still have my money in both savings and checking. 

Additionally, I was told they would research this issue and respond within 2 business days. Almost a week later and still no response and the bonus has not been deposited as advertised.
Product: Credit card

I purchased furniture with a Fortiva credit account -- that is listed as a credit card -- even though I have never been issued a " credit card. '' My account is posting me 30 days delinquent on payments received within a 30 day time period. I have disputed these items with all XXXX credit bureaus and received a reply from XXXX that account has been updated -- but the only note was to contact creditor. I provided XXXX with my payment history from Fortiva 's website verifying my payments.
Product: Student loan

DEPT OF EDUCATION/NELN Ive never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do business with them either. Therefore, I want this item deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have a credit company trying to collect amount owing from me. I have asked for validation of debt no luck. I keep getting credit card statements I am looking for any contract that bears my name and aggreement between them and I
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. After examining my credit report, I was astounded to discover multiple entries that lack validation or verification. As I'm currently in the midst of purchasing a home for my family, this issue is significantly impacting me. I respectfully ask for the prompt removal of these items my credit report. Please help me remove these items immediately : XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Owed : {$7600.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX {$3000.00}.
Product: Mortgage

I filed for Bankruptcy in XX/XX/XXXX and my Confirmed Plan in XX/XX/XXXX stated that I was to pay {$3500.00} in principle and interest plus property taxes and insurance for my mortgage. My original payment amount was {$6200.00} per month prior to filing Bankruptcy. After filing, I sent in partial payments approximately every 2 weeks for various amounts ranging on average from {$1500.00} to {$6000.00} throughout the years. The total paid per month usually averaged around {$5100.00}. Seven years later in XX/XX/XXXX the bank filed a Notice of Default which said that I was {$200000.00} behind in my mortgage. My total mortgage balance on my payment history said that I owed {$500000.00}. When I checked the original amortization schedule that I received when I first closed on the mortgage, it said that my balance as of that date was supposed to have been {$540000.00}. So I was actually AHEAD of where I was supposed to be with the balance. When I looked at the payment history, there were checks that I had sent that were NOT listed. When I looked at the calculations, they apparently were charging me {$3000.00} per MONTH in late fees! The reason that I made partial payments was because I had read on the internet that biweekly payments would cut the interest down and make you pay off your loan faster. They also show " unapplied funds, '' which on the XX/XX/XXXX statement totaled {$110000.00}. I would like to request an AUDIT to see if they have made mistakes with calculating my interest and if they have applied all of the checks that I have sent. I have copies of my cashiers checks. Please let me know how to get an AUDIT.