23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I once again received notice from Arvest Bank stating that I was in default of my past vehicle loan and that I was being turned over to XXXX XXXX for collections on an account that was paid in full by my insurance company XXXX. This loan was paid in full after XXXX received the full balance left for my vehicle after I was involved in an XXXX on XX/XX/XXXX. Arvest bank has since tried to collect additional fees after the full balance was paid by XXXX. Arvest Bank is now once again sending this account to yet another collection agency in attempt to collect these false charges. 

Make note- XXXX reached out to Arvest Bank after the accident happened and requested the TOTAL amount left to pay on my vehicle. Arvest Bank sent that balance over to XXXX, and XXXX paid that balance in full, without question. These additional fees that I am being charged did not surface until after the balance was paid by XXXX. These are false charges, and the paperwork even states, pre-charge interest fees, late fees, principal charge-off fees, and " unpaid loan fees. '' Lastly- When you examine the paperwork, you will see where it states " unpaid loan fees '' as having a {$0.00} balance. Once again, these fees did not surface until AFTER XXXX paid the balance received from Arvest Bank. My XXXX representative stated that this could be considered insurance fraud on behalf of Arvest Bank and should be dismissed.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX I have disputed the inaccuracy of the XXXX ACCOUNT reporting inaccurately in numerous areas. As of today the most recent inaccuracy that has reappeared is XXXX ACCOUNT is reporting as an " OPEN '' account. XXXX has been a charge off account since XXXX and should and has been reporting as " CLOSED ''. This erroneous continued mistake has ruined my credit. 
It is reporting differently on each of the XXXX bureaus ON EXPERIAN AS CLOSED AND ON XXXX AS XXXX. 

According to FCRA and XXXX XXXX, I demand that EXPERIAN remove this account. I have allowed EXPERIAN more than 6 months to provide where, who, how and when the information they are reporting came from. Someone has to be accountable including EXPERIAN FOR CONTINUING TO REPORT THIS ACCOUNT. 

I HAVE ATTACHED PHOTOS OF VARIOUS BUREAUS AS OF TODAY REPORTING ERRONEOUSLY AND DIFFERENTLY AS IT CONCERNS THIS ACCOUNT. 

EXPERIAN HAS BEEN SUED AND HELD ACCOUNTABLE FOR MATTERS SUCH AS THIS AND I AM JUST ANOTHER VICTIM OF EXPERIAN NOT DOING INVESTIGATIONS AND JUST REPORTING ANYTHING AND ALLOWING ANYTHING TO BE REPORTED ON THEIR BUREAU. 

I DEMAND THIS ERROR AND ACCOUNT BE REMOVED WITHIN 4 DAYS. 

XXXX ACCOUNT XXXX XX/XX/XXXX
Product: Checking or savings account

Opened a Golden One Checking Savings Account received confirmation and went to fund account and showed repeated technical errors which didn't allow account to be funded, or edited to my, the customers, and members, needs. Reached out repeatedly and the Bank itself seems confused as to the issue have already email, gone in person, and spoke on the phone multiple times and each department re-directs the issue to another. What's the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. 


Delete these fraudulent items.
Product: Credit card or prepaid card

I was sent a Visa Bank of America - Alaska Mileage Plan Credit card without applying for one - the letter was dated XX/XX/2022 with an enclosed credit score from XXXX dated XX/XX/2022. Which required me to activate the card which I have not done. 
On {$75.00} of which I needed to pay half by XXXX 2022 I recieved a statement from Bank of America XXXX Alaska Mileage Plan that my fee for XX/XX/XXXX through XX/XX/XXXX was {$75.00} of which I had to pay half by XX/XX/2022 or I will be charged a 29.99 % late fee. 

I have not applied for this card - I have not activated the card The mailing address for the fee is Bank of America XXXX XXXX XXXX XXXX De XXXX and the phone number for more info is XXXX XXXX XXXX
Product: Debt collection

my account was charged off by XXXX XXXX XXXX. In XXXX of 2022 i made a payment of {$200.00} to one of my credit cards with the bank. In the same month they took another {$200.00} which was not authorized by me. I called XXXX XXXX XXXX and they refunded me the money. By the month of XXXX i was trying to make a payment online and it rejected my payment saying i have to contact customer service. Contacted them and was told i have to get an authorization from my bank in order to make a payent on my accounts. I went to my bank and got this info & uploaded it. XXXX  XXXX XXXX  went ahead and charged off the accouns i had with them. Never did i get such notice of this " charged off ''. I have never missed a monthly payment with them. I had fully paid for one before the account was charged off ( {$170.00} ) XXXX  XXXX XXXX  send both the account to delinquency without sending me a notice although i provided all the info they requested. The second account was also paid ( {$920.00} ). I checked my credit account and it is still saying i am in delinquency. Both accounts charged off has been paid for. I would really appreciate if they could remove my informtion from their list of delinquencies. Please see receipts attached for as my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022 ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$860.00}.
Product: Credit card

I have a Neiman Marcus credit card. There have been XXXX occassions when I have made my monthly payment by the due date and received my billing statement indicating that my account is past due. I make my payments using the automated system. The automated system indicates that if you make your monthly payment by XXXX your payment will be posted to your account on that same day and will be considered as being paid on-time. Well on both of the occassions I made my payments way before XXXX and when I got my billing statement it indicated that my payment was past due. I also got a separate notice in the mail indicating that my payment was past due. Neiman Marcus is telling their customers false information.
Product: Mortgage

This is in reference to all my other complaints. It is XX/XX/21. XXXX XXXXXXXX XXXXI just received this letter today from phh mortgage. I think they are trying to give me late charges to scam me out of money. From my last complaint about not receiving mortgage statement. I received this letter today. I was promised from their manager that I would recieve a statement on XXXX XX/XX/21 for just XXXX. I did not. It was for XXXX and XXXX. Recieved late again Monday XX/XX/21. Sent payment XX/XX/21. Please read Statement picture attached.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXLate/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt.

How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX to not contact me!

XXXX XXXX committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still Impact just posted this debt. that is how I knew/found out Impact had current info yet failed to contact me and TRANSUNION allowed this by just posting this XXXX  debt too ect ...

Throughout my investigation this debt was under XXXX XXXX  XXXX   who I rented from back in XXXX. Never paid late!

I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO.

I have filed formal complaint against TRANSUNION credit bureaus with anti-trust department in Washington DC and its CEO because TRANSUNION also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from all 3 of my credit reports and an apology letter sent to me asap!

Both TRANSUNION and this company impact receivable also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these  parties TRANSUNION and or XXXX  XXXX   XXXX  FAILED to notified me as a consumer to grant me any option to settle this debt.
Product: Mortgage

Our home insurance premium is past due. It was due XX/XX/2018 and I have confirmed with XXXX today that Wells Fargo has not paid our premium on our behalf from our escrow. Additionally, they have increased our escrow payment significantly each year in the past two years since we purchased our home. Our payment is now almost {$200.00} more than it was when we signed our fixed rate mortgage. Its soon to be {$75.00} more than that, with their estimated escrow increase. 
Our taxes have increased, but only slightly, not {$2400.00} a year. 
Finally, I want to get out of escrow with them and they said I have to use their appraisal company to appraise my house to see if we have 20 % ownership.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. However the Company has gone out of business and there is no open to call. I ask Transunion if the have a phone to help me out. I was told by the representative that they cant give me any information that I will have to XXXX it. I explained to her that I already did this and all the phone numbers are bad. So i am not able to get any help with this. The Company is questioned is XXXX. 

I will also attached the credit report to show how its reporting.
Product: Payday loan, title loan, or personal loan

Paypal Credit account deceptively changed my due date by 3 days in XXXX without any notification, resulting in a late payment and a charge of {$29.00}. I've been charged excessive interest for the last XXXX months on a balance of less than {$200.00}. This month alone I was charged {$17.00} in interest on a {$100.00} balance. What interest rate are these people charging? I've been on the phone with customer service 3 times now. They promise to correct the situation and reverse charges, but I haven't seen it yet. I want the money stolen from me returned with the same kind of interest this XXXX  company is charging. I paid the balance in full tonight. XXXX years of doing business with Paypal. I'm done, & will be closing all my accounts when this is resolved!
Product: Debt collection

A negative item was reported in my credit profile from the collection company Monterey Financial Services, LLC. I have no knowledge of this account, date, or what it is for. I was able to contact Monterey Collections via phone from the number that was provided on my credit report. I spoke with a representative and requested to know what services I had received, what date, and any signed receipts. I was refused this information after providing personal information to verify my identity. I then sent a copy of a debt validation letter to Monterey Financial Services LLC the second week of XXXX, dated XXXX via regular mail, and informed them of my request for information. I had informed them that they had 30 days to respond to my request or remove the negative remark on my file. I have disputed the remark and it is pending investigation. On XXXX, stamped from the post office XXXX, I received a letter from attorney XXXX XXXX XXXX, a representative of XXXX, XXXX stating that I would not be getting the information that I requested and that I owed a past due on a collection as well as an interest fee. According to their claim, I owe an original amount of {$170.00} plus {$9.00} in interest fees for a total sum of {$180.00}. I was told to make a check or money order to XXXX and provided the address to the company in California. I have had no other contact with XXXX since the original phone call and no other written notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Accounts : ( XXXX ) US DEPT OF EDU XXXX ( XXXX ) US DEPT OF EDU XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX As the investigation has exceeded 30 days. This a direct violation of the FCRA. Which I have proof through you all stating they have completed the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX bank, account # XXXX has violated my rights. 
1 5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a checking acct for 3 years with b of a and had my paychecks direct deposited into this acct. This past year I helped my ex open an acct, and found out that i was co-owner of the acct. I went to the bank and tried to get my name off of this acct, when we broke up. they refused, since then my ex has been depositing bad checks and the bank took my money from my personal acct, and transfered it into this acct. the bank took all of my money.
Product: Mortgage

This predatory mortgage company Pennymac has repeatedly increased my escrow payments from XXXX monthly to XXXX month despite mortgage insurance and property taxes not requiring this.
Product: Debt collection

I keep receiving phone calls from Portfolio Recovery, even though I keep telling them that they are calling my cell-phone, and that I want them to stop calling me at this number. The most recent call was from ( XXXX ) XXXX, and the caller stated that her name was " XXXX XXXX. '' I informed her that I have repeatedly told Portfolio that they are not permitted to call me on this number, and they refuse to comply.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a complain against ( Equifax credit services ) for their failure to remove a fraudulent account from continues to remove fraudulent account from my credit report. 

I have filed a dispute on XXXX for credit card XXXX XXXX XXXX  account that was open by me being a victim of identity theft. Equifax investigated dispute removed the account from my name on XXXX, but then reported it back on credit report after their investigation and they removed it. FTC COMPLAINT was filed and provided to EQUIFAX CREDIT SERVICES to assist with dispute. I have disputed this same account with my stance being the same IT WAS NOT ME WHO OPENED THE ACCOUNT SOMEONE ELSE DONE IT THAT I DID NOT KNOW. Equifax or company has not showed, or provided me with any proof showing I am liable for this account but continues to report on my credit report. 

This fraudulent account is damaging my credit score and could make it difficult for me to obtain loans, rent an apartment, or secure other forms of credit. I request the CFPB to investigate this matter and instruct EQUIFAX CREDIT SERVICES to, IMMEDIATELY remove the fraudulent account from my credit report and provide me with a copy of my updated report showing the removal.
Product: Debt collection

Upon checking my credit report on XX/XX/XXXX, I noticed information for Jefferson Capitol System in the amount of {$2600.00}. The agency reported the debt to my credit reports on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.
Product: Credit reporting or other personal consumer reports

All Inquiries I dont recognize in my credit report, 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: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit yesterday and today as well. Since speaking with XXXX XXXX XXXX XXXX to pay a balance, my credit score dropped 7 points. It dropped due to old accounts reappearing that were taken off, because they were inaccurate and disputed. One account should not have been submitted which is pathology ; which I am still paying on. I attached photos from XXXX XXXX and pathology. I think it may be my mother or my older brother. They both have an account at XXXX XXXX. But, Someone is illegally making false reportings to my credit which has been going on for years. I could use your help in this matter once again.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports from XXXX and Equifax and it states that I was 30 days late and I was forgiven for XXXX and I paid XXXX early. This is a very bad problem because I am in a position I am trying to get a vehicle, etc. I have nobody to help me as I lost my employment, car and home. Please fix ASAP!!
Product: Debt collection

Due to misunderstanding and clerical errors of this account, I am requesting validation of this debt. I never received proper notice for this debt. I was notified by XXXX in XX/XX/ that this account would be tranferred to RTR on XX/XX/. I received two account statements from RTR. The first time I spoke to RTR was XX/XX/. I wanted to settle a debt that I supposedly owed. Unfortunately, at that time I was unaware of my rights.After five days of initial contact, RTR should have informed of the name of the creditor to whom the debt is owed, a statement of dispute, correct amount owed. In short, my consumer rights. I do feel RTR is taking advantage of me by not properly informing of this debt. I deserve to know my consumer rights. Overall, RTR account handling is unfair, deceptive and unorganized. I have no problems with the customer service reps.
Product: Consumer Loan

I opened an Auto Loan with Santanders XX/XX/XXXX. I became XXXX and wrecked my vehicle XX/XX/XXXX causing me to XXXX. I had an lawyer on my case as the cause of the accident was the other driver. I spoke to Santanders plenty of times to resolve the issue and they refused to do so. Now the amount that is on my credit shows as a charge off. This company would not assist with my needs and they need to remove the account off my all credit bureaus. This has affected me in so many ways. The vehicle was totaled out and my insurance did not pay. I loss my job due to me having to be on bed rest after this car wreck.