23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly. I look forward to hearing from you I would like you to conduct an investigation for me to make certain that everything is accurate. 
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 am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a CAVALRY PORTFOLIO SERVICE account. I never had a cavalry account. there is a memo that states it  may be a   XXXX   XXXX   a ccount which was included in my bankruptcy.  Calvary is rep orting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has cru shed my credit score and needs to removed ASAP. This is double hitting my credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  Calvalry  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello cfpb, my XXXX XXXX card has been falsely reporting incorrect card account balances saying past due when i have always paid them on time. For months they have been reporting to transunion and XXXX past due balances when my account is paid. I'm including screenshots of my XXXX account statements and credit report showing a false balance of over {$300.00} in an attempt to damage my credit score each month. I pay and have paid this card off each month and would like you to investigate this. Also credit karma with transunion has had a dispute going since XX/XX/XXXX when I reported false information on my credit report about self card and the XXXX store card and its XX/XX/XXXX and they still haven't updated the dispute so I can file a new dispute on incorrect Info. Please investigate this because it's discrimination and its wrong either way to report false high balances and report things that are incorrect to try to damage my credit. Here are the screen shots I got and documents.
Product: Credit reporting or other personal consumer reports

I have been attempting to get credit from creditors but, have been denied because Experian System is blocking my credit report from generating and being accessed. This has been going on since XX/XX/year>2024. I hate not been able to get credit due to Experians flaw system. This has cause extreme financial and XXXX XXXX. I will like to be compensated for {$9000.00} dollars due to Experians system cause my credit report to not be generated when creditors check! Please take immediate corrective actions! ( See Attached images ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 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 an account without my written instructions. Under 15 USCS 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: Debt collection

Last week I received a voicemail from a XXXX XXXX in XXXX. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life. 


The information of the individual XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Oregon revenue, should have send me the remainder of my state tax, it should have been two deposits for XXXX dollars, only receive one of them form cash app
Product: Student loan

On XX/XX/XXXX I calle din to request a refund of the student loans that I had paid off after COVID pause, XX/XX/XXXX and on. They said they didn't have my payment history because my loan was transferred from XXXX in XX/XX/XXXX. They said it would take a couple of weeks to get the info from US DOE and then they could issue refund. It would take XXXX days for me to receive a refund. I called on XX/XX/XXXX because I haven't seen any change in my Mohela account or on student aid.gov. I called at XXXX and after XXXX mins  the system hung up on me. then I called again at XXXX and was on hold for XXXX hours and XXXX mins ( XXXX ). The CS rep was very courteous, polite and professional. But she was unable to see any updates on my account. She only saw that the call that I had made on XX/XX/XXXX and no updates notes after that. my payment history to XXXX still had not been updated. Then she told me that it would be another 30 to 90 days before I would get my refund. I don't even know if the refund has been submitted. I have nothing in writing confirming such and now they are telling me to wait another 30 to 90 days?? I don't understand what is going on and I definitely don't have another XXXX hours to spend on hold. Please help me get an update and accurate timeline. Thank you.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

Settled and paid debt collector way before settlement date. Debt collector refused to send me an email confirming payment of debt in full. Said that they would sent letter in the mail. Instead, collection company has continued harassing my family by sending people to my house to serve me with a summons. Now I am being sued for a debt that has already been paid.
Product: Credit reporting or other personal consumer reports

I received a letter from experian stating the company that reported the Information has certified by Experian and was accurately reporting my bankruptcy. What is the company name? Who certified experian that information was accurate? Bankruptcy court doesn't provide validation. This is identity theft. I never gave written permission for permissible purposes, nor does this give credit reporting agencies the right to find information. Experian has used my information in identity theft. I will seek damages
Product: Credit reporting or other personal consumer reports

Recently I have looked at a copy of my credit report and noticed several inaccuracies on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : XXXX. XXXX XXXX XXXX XXXX XXXX ( transunion ) XXXX XXXX  XXXX XXXX XXXX XXXX transunion ) XXXX XXXX  XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding the mishandling of my escrow account by Freedom Mortgage for mortgage loan # XXXX on my property at XXXX XXXX XXXX, XXXX, MD XXXX. My attempts to address this matter directly with the mortgage company have been unsuccessful, as they have not responded to my repeated requests for clarification or a resolution. 
Details of the Complaint Over the past three years, my escrow payments have escalated significantly, and I believe I have been overcharged. I have repeatedly reached out to my mortgage company to request a detailed escrow analysis to understand the basis of these charges, but I have not received any response. Below is a summary of my concerns regarding the escrow charges from XXXX to XXXX : XXXX : Total Escrow-Related Expenses : {$10000.00} ( homeowners insurance, mortgage insurance, and property tax ). 
Total Escrow Paid : {$10000.00} ( shortfall of {$43.00} ). 

XXXX : Total Escrow-Related Expenses : {$12000.00}. 
Total Escrow Paid : {$14000.00} ( overcharge of {$2300.00} ). 

XXXX : Total Escrow-Related Expenses ( after paying homeowners insurance separately ) : {$9200.00}. 
Total Escrow Paid : {$14000.00} ( overcharge of {$5300.00} ). 

This results in a total overcharge of {$7600.00} from XXXX to XXXX. 
Lack of Response and Communication Issues Over the past month, I have called the mortgage company three times in an attempt to resolve this matter, but I have received no meaningful assistance. The calls are routed to an overseas call center, where representatives have been unable to understand my concerns or provide solutions. Despite my efforts to explain the overcharges, I have been unable to speak with a representative who can address or escalate the issue appropriately. 
Requested Action I respectfully request that the CFPB assist in investigating this matter and require my mortgage company to : Conduct a comprehensive review of my escrow account for the period from XXXX to XXXX. 
Refund or adjust any overcharged amounts. 
Improve their customer service process to ensure timely and effective responses for issues related to escrow discrepancies. 

Thank you for your time and attention to this matter. I look forward to the CFPBs assistance in resolving this issue. 

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

I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXX should be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a copy my dispute letter to transunion on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility
Product: Checking or savings account

On XX/XX/year> I transferred {$XXXX} into my XXXX account. On XX/XX/XXXX XXXX flagged my account and froze it. I had recently added a new checking account as I'm in the process of switching banks. I made XXXX withdrawal of {$XXXX} to my new XXXX Bank account and then my XXXX account was frozen. The instructions to resolve this suspension didn't work. There is no way to request a call as I was instructed. The button on the app and the website doesn't do anything. The phone numbers are all automated and hang up after instructing me to use the app. I received an email today, XX/XX/year> with a phone number and case code. I called and the automated system told me that case is closed and hung up. My account is still frozen. I do not want to use this terrible company anymore. There is XXXX customer support and I want to transfer all of my money to XXXX. I'm so frustrated that they've held my money for the last XXXX weeks without any human interaction, it's all been generated responses and chat bots.
Product: Debt collection

A debt collection notice was sent to my personal residence for a business debt, which I did not personally guarantee nor is it my personal responsibility. This debt, originally held by PayPal , Inc., has been passed to XXXX XXXX XXXX for collection as if it were a personal obligation, despite being associated with a corporate entity. 

The letter, received on XX/XX/XXXX, incorrectly addresses me in relation to this matter, indicating PayPal , Inc. as the original creditor. However, the debt in question is linked to a business entity, for which I was only the account administrator. My involvement with the account did not include any personal guarantees for the entity 's financial commitments. 

I am not personally liable for this debt, and I believe that XXXX XXXX XXXX should focus their recovery efforts on the corporate entity involved, rather than pursuing an individual who has no personal financial obligation in this matter.
Product: Credit card or prepaid card

I am a XXXX holder for over 10 years. I am attempting to inquire about the benefits on my card. I have XXXX Capital One XXXX XXXX XXXXXXXX  and I contacted XXXX to verify my benefits before I travel out of the Country. Capital one provided me with a Guide to Benefits. 

This Guide to Benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder. This Guide supersedes any guide or program description you may have received earlier. 

After contacting XXXX, they are saying my XXXX XXXX XXXXXXXX has no benefits at all, and all customer service reps ( XXXX ) whom I have spoken with over the last XXXX weeks are saying this is unheard of and very unusual. 

I have spoken with XXXX Supervisors and a Supervisors Supervisor, who claim to have escalated my concerns to XXXX It has been XXXX weeks, and still no response from XXXX. I call everyday to XXXX a manager who has escalated my case, at XXXX. XXXX keeps telling me they are still waiting to hear back from XXXX Execs. 

I travel out the country in XXXX  days, and I need a letter from XXXX verifying my rental car coverage as well as my trip cancellation coverage. I need to know that I actually have all the benefits that are promised to me as a XXXX XXXX Card holder. 

I have spent numerous hours trying to get a normal verification of benefits letter from XXXX, yet no one can help me or no one can explain why my XXXX XXXX cards ( XXXX ) dont have the benefits outlined by Capital one and my XXXX XXXX XXXX benefits guide. XXXX XXXX XXXX Please do not let XXXX get away with promising benefits to customers to open accounts, but not standing by their agreements and benefits when a customer tries to use them. THESE ARE DECEPTIVE FINANCIAL PRACTICES ON BEHALF OF XXXX. PLEASE HELP THE CONSUMER!
Product: Vehicle loan or lease

I entered into a consumer credit transaction with Flagship Credit Acceptance in XX/XX/XXXX. On XX/XX/XXXX, I extended my credit using my social security card ( credit card ) to Flagship Credit Acceptance. In the process, a down payment of {$2500.00} was taken from me during this transaction. This transaction was initiated by me, by default I am the original creditor. By me extending my credit to Flagship Credit Acceptance they are now a creditor. 

15USC 1602 ( g ) I granted Flagship Credit Acceptance the right from my rights for them to incur debt and to defer payments but they violated me by using my rights instead.

15 USC 1605 ( a ) In this transaction, Flagship Credit Acceptance violated me by charging me 3 times during this transaction. I was only supposed to be charged the finance charge.

15 USC 1692e ( 2 ) They are still charging me monthly payments every month and also late fees. 

I never received a notice to verify this alleged debt during the thirty-day period. 

15 USC 1635 ( a ) I never received documents for the right to rescind.

15 USC 1605 ( c ) My insurance was not included in the transaction.

I did not receive the documents ( contract ) once the transaction was done, I didn't receive the documents from Flagship Credit Acceptance until XX/XX/XXXX. I had to request it from them. 

I sent Flagship Credit Acceptance documents requesting validation of deb on XX/XX/XXXX but have not received any return documents as of XX/XX/XXXX. 

I was also threatened in a letter from Flagship Credit Acceptance that they would come to repossess my property, which is in fact a violation, and to also have a tow service come on my property to repo my car.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXX XX/XX/XXXX {$85000.00} XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.
Product: Credit reporting or other personal consumer reports

Im writing because Ive noticed an account on my credit report that I do not recognize and is completely unknown to me. This seems like a case of mixed data or an error, and I need it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO DEALER SERVICES PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY XXXX DATED XX/XX/2016
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1100.00}.