23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, I received a notice from a debt collection agency stating that I owed them {$1700.00} for a phone bill from XXXX XXXX. I reached out to XXXX XXXX  and asked them about the amount and why I was being charged for a closed account. They stated I owed them for the cell phone, that I owned, and had discontinued it from my account. They further stated that I was 4 months behind on my bill. I asked how could that be, bc they wouldve suspended my service long before it reached that point. They refrained from providing a valid answer and stated the debt was owed, and action would be taken if not paid. Shortly after, I received the bill from the collection agency, and was alerted that it had been placed on my credit report and when I checked it to confirm, my credit score had dropped significantly and it was confirmed as being on the reports. The damage caused by this fraudulent information needs to be corrected and Im asking for it to be removed and the assumed balance be XXXX out!
Product: Mortgage

XX/XX/2024 An escrow analysis was completed on XX/XX/2024 indicating an escrow surplus in the amount of {$530.00}. Delivery was expected to take 3 to 5 business days via USPS standard delivery. The check did not arrive. 

XX/XX/2024 I contacted the loan servicer to determine the whereabouts of the escrow surplus check. The company claimed the check was mailed but could not provide proof. The company indicated they cancelled the check and would issue another check. I was told to expect a new check on or before XX/XX/XXXX. The check did not arrive. 

XX/XX/2024 I contacted the loan servicer to determine the whereabouts of the escrow surplus check. The company claimed that the check has been processed and would be mailed on XX/XX/XXXX and I would receive it on or before XX/XX/XXXX. The company could provide no proof of that claim. The check did not arrive. 

XX/XX/2024 I contacted the loan services to determine the whereabouts of the escrow surplus check. I was told that another escrow analysis was done on XX/XX/XXXX and that the escrow surplus was redeposited to cover an estimated escrow shortfall. The company did not communicate that to me beforehand and I can find no proof of that redeposit and disbursement in any of the documents I have regarding my mortgage escrow account. 

The company does not follow through with promises it made to contact me by phone or email. The company does not transparently answer questions about the handling of escrow accounts. I am very concerned that the company is not following the law or generally accepted procedures with respect to the management of my mortgage escrow account.
Product: Credit card or prepaid card

Hi I have issues with XXXX  XXXX XXXX XXXX XXXX  and Chase i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and seen there way inquiries that do not belong to me on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit score on XXXX XXXX and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account in full, and have the receipt and proof of this account being closed. 

It is still being reported on my credit report, and I wish for it to be deleted immediately. 


Creditor : XXXXXXXX XXXX  Debt Collector : XXXX XXXX XXXX Amount : {$99.00} Account number on XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my complain is about my  credit score  on  XXXX   XXXX    XXXX   my  credit score  decrease  XXXX  pts from  XXXX  to  XXXX  then on  XXXX   XXXX  it decrease  XXXX  points and  XXXX  points from  XXXX  to  XXXX  .In that time frame the only thing happen is i paid a loan of  XXXX   (  unify financial credit union ) in full  2  yrs before my term expire and during that month i do n't have a late payment my credit usage is 9 % and  XXXX  deliquent account was deleted on my report.All this positive things i did why did my  credit score  went down from  XXXX  to  XXXX .i called experian and they do n't have any  explanation.Now Honestly to me credit score  is a joke it was made to help all Banks, lending company and Credit card com. makes more money .lender will deny you even if your score is above  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regard to the erroneous account being reported by the credit bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting ActSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX XXXX Balance : {$26000.00}
Product: Credit reporting or other personal consumer reports

I don't have any knowledge about these inquiries, and the company did them without my consent.
Product: Credit reporting or other personal consumer reports

I received a credit card application from Citi, XXXX, XXXX, XXXX and XXXX XXXX in the mail dated XX/XX/XXXX and XX/XX/XXXX. They have all been declined. They alll have the same name and my address on them. 

XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX : Application ID XXXX XXXX : Application ID XXXX XXXX : Application ID XXXX XXXX : Reference Number : XXXX Citi : Application ID XXXX Application ID XXXX
Product: Debt collection

A cousin was living with me in my house and he stole my information to open a XXXX credit card account through XXXX Bank couple years ago. The amount is {$1000.00}. When He got sick ( contracted XXXX XXXX ), he decided to talk to me about what he did. Three weeks later he XXXX  of XXXX XXXX.
Product: Debt collection

I am writing to lodge a formal complaint against Comenity Capital Bank regarding their debt collection practices for my account with The Children 's Place. My complaint centers on what I perceive to be a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to the frequency and nature of their communication attempts. 

Account of Events : In the past week, I have received an excessive number of calls from Comenity Capital Bank, detailed as follows : XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls These calls have been persistent and have often occurred at inconvenient times, without providing me with a reasonable opportunity to discuss my account or the alleged debt, which currently stands at {$120.00}. 

Reference to Laws and Regulations : I believe these actions by Comenity Capital Bank are in violation of the FDCPA, which prohibits debt collectors from engaging in conduct that can be seen as harassment, oppression, or abuse. The volume and pattern of calls suggest an intent to annoy, harass, or intimidate me into making a payment.

Impact on Me : The constant and relentless calls from Comenity Capital Bank have caused me significant stress, XXXX, and disturbance to my daily life. This situation has affected my mental well-being and my ability to maintain peace and privacy within my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax numerous requests to remove this fraudulent account from my credit report. XXXX XXXX  is the XXXX who was reporting this fraud account and as of XX/XX/2022, XXXX XXXX  mailed me a letter stating that they are holding me responsible for the account but they have previously removed this from my credit reports. I sent copies to Equifax by fax and by mail and they continue to report this account even though XXXX XXXX claims they have stopped reporting. Equifax continues to claim XXXX XXXX  had verified this account belonging to me recently, but is not true since XXXX XXXX  says they have previously stopped reporting. Please see attached documents as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for the items listed on this form. I had my wallet stolen from my locker at the gym and since that time inquiries have been appearing on my credit report. Please delete this from my credit XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, 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 XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

" Borrower '' communicated to " Shellpoint '' in a XX/XX/XXXX, " CFPB '' complaint, ... if you look back at the data you will see the skipped payments you mentioned were made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. A review of the attached spreadsheet will show, under Insurance Premium Disbursements, duplicate PMI payments made on XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX payment installments. 

" Shellpoint '' never responded or corrected the PMI payments on " Account. ''
Product: Credit card or prepaid card

The balance on my XXXX account with Chase is XXXX, this includes a purchase in the amount of XXXX XXXX XXXX XXXX XXXX made on or around XX/XX/XXXX. This purchase was not received, XXXX left package at incorrect address, signed for by a XXXX XXXX. No one by this name lives at my address. Chase disputes as well as a XXXX XXXX in Executive Office is well aware of this information, XXXX XXXX keeps referring me to disputes team who refers me to another dept which is never open when I call. This purchase has been in dispute off and on Since XXXX, still no resolution. The balance was paid off less XXXX at one point, the amount in dispute. However, the account has since cycled and additional interest and fees charged. The last payment I made in the amount of XXXX posted on XX/XX/XXXX, I need this credited back as well as interest and fees related to purchase in dispute.
Product: Student loan

Ive been with XXXX student loan services since 2019. Financial hardships have caused me to not be able to pay some of my loans in a timely matter so I asked for a forebearance. I even consulted with an employee who warned me about the possibility of getting rejected because 1 tiny detail may be wrong. Sure enough, I was rejected a third time and when I asked why, I waa told the information didnt show enough despite me consulting with a member of XXXX XXXXXXXX XXXXNT on getting it looked at! Its clear these guys are practicing predatory loaning and they need to be shut down IMMEDIATELY.
Product: Checking or savings account

Was charged over draft fees when I had the amount in my account. A class action laws suit open about this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Student loan

I filed a complaint with CFPB in regards to my XXXX private student loans. I was claiming that my loans should be discharged due to misconduct on the part of my school ( XXXX XXXX XXXX XXXX ). I received an application from XXXX and I returned it with supporting documentation. They Denied me without any explanation. Sense then the DOE has determined that my loans were approved for discharge and full removal from my credit report. Now Mohela services XXXX loans and every time that I try to explain my situation they just want money. I am submitting documents that will explain. It doesn't make sense that the federal government has discharged these loans and XXXX can even do the right thing and discharge my loans. Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Transunion and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Enclosed here are my FTC report for your reference Below, are the items they should DELETE from my file : XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX Date XXXX XX/XX/2017 Balance {$63000.00}
Product: Debt collection

On XX/XX/XXXX, Fair Credit Outsourcing ( FCO ) sent me a letter stating that my account had been referred to their agency for collection. On XX/XX/XXXX, I sent a letter to FCO disputing the debt as inaccurate and unverifiable. FCO responded by letter dated XX/XX/XXXX with a statement from XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX creditor ) stating that I owed balance at move out {$1100.00}, ( less a {$200.00} deposit ) for fees owed through XX/XX/XXXX. The final account statement under balance due states " see itemized listing of work '', XXXX there is no list attached XXXX and no signature for manager. 

On XX/XX/XXXX, FCO sent me another letter stating that your account as already or is scheduled to be referred to the 3 credit bureaus as derogatory information. I have attached a copy of a cashier 's check dated XX/XX/XXXX paid to XXXX XXXX in the amount of {$1700.00}, for the final payment owed on this account. I am requesting that the CFPB investigate this complaint and delete the inaccurate and false information from my credit file immediately.
Product: Debt collection

I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach.
Product: Bank account or service

on XXXX XXXX, 2013 consumer open BB & T Bank checking, thebb & t bank issue debit card AND have been injured and harm by BB & T Branch banking & trust illegal insufficent fees when in facts have the funds to recovered each and every check, deceive consumer alleged discovered her XXXX account have been paid to XXXX, TN for HOME MORTGAGE With XXXX, without consent or authorized as result consumer have been harm injured and her check No # XXXX for XXXX, {$350.00} Unpaid, including significant XXXX unathorized were XXXX, and Paid US postal in debit card, were mislead that did not go through, iduced to make check for U.S. Postal serice, finding XXXX transaction with draw, See Case # XXXX misleading statment consumer purchased XXXX whole sale membership paid by cash, and have been probibited from honoer her membership to purchased food, BB & bank and significant charges insufficient fees in violation of federal banking, Consumer finding the BB & T bank were XXXX account, without disclouser or consent, unabel to worked this account without undoe burdien significant harm caused consumer to defamed & injury suffered significant
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute and Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear CFPB, I am writing to formally dispute and request the removal of a hard inquiry that appears on my credit report. After reviewing my credit report, I noticed inquiries listed under my name that I did not authorize or initiate. These inquiries are impacting my credit score negatively until today. I was a victim of the XXXX data breach. I want these items deleted immediately from my credit reports. As you can see the from the notice/claim number from XXXX ( XXXX ), I was a victim and my information was sold and bought, and used without my consumer consent. I do not recognize these hard inquiry accounts and believe these were made without proper authorization. I am attaching the proof that XXXX has admitted that I was one of the victims in the data breach and XXXX has done nothing to fix this issue on my credit report. 
Details of the unauthorized inquiry are as follows : Name 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 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

Due to identity thefts fraudulent paperwork tampering with records XXXX XXXX XXXX XXXX XXXXXXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXX XXXX XXXX XXXX XXXX  an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Tuesday, XX/XX/XXXX, I reached that objective, and called Wells Fargo on XX/XX/XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep XXXX filed an Incentive Not Received claim and assured me that I would receive the bonus within the next 30 days. 

I called on XX/XX/XXXX to follow up on the bonus and was told by the representative that I did not qualify. I was transferred to her manager who spoke with an executive who also denied my bonus based on an overdraft on XX/XX/XXXX. I had met the qualifying threshold on XX/XX/XXXX. Also I had deposited money on the day of the overdraft and Wells Fargo reversed the overdraft and recalculated the balance the same day. 

I called Customer Service again on XX/XX/XXXX and spoke with XXXX. It looked to her like I qualified. She told me not to worry because the Incentive Not Received department was still investigating the claim and the people that I spoke with during the previous phone call were only representatives. 

On XX/XX/XXXX I received a phone call from XXXX at the Executive level and she told me I did not qualify because the qualification period was 150 days. In actuality, the bonus offer states that I was to be given 150 days to meet the threshold of $ XXXX for 3 consecutive months. I met that threshold on XX/XX/XXXX. She said that she could not override the decision already in place and there was no one above her that could override the decision either. 

I have received no written documentation regarding the bonus, my qualification status, nor the claim that was filed. 

It is obvious that Wells Fargo is doing everything they can to avoid honoring the Bonus Offer that encouraged me to open the account in the first place and which I qualified for on XX/XX/XXXX.
Product: Mortgage

Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 I MAIL OUT A CERTIFIELD LETTER XXXX THUR USPS AND THEY RECIEVED XX/XX/XXXX BUT THEY DID NOT ENTER IT ON MY PORTAL THAT THEY RECIEVE IT. I CALL ON XX/XX/XXXX AND I ASK DID THEY RECIEVED IT A XXXX FROM XXXX ACCT # XXXX AND THEY SAID YES THEY GOT IT ON XX/XX/XXXX AND XXXX WHO I WAS SPEAKING WITH SAID SHE WILL PUT A DISPUTE IN THE SYSTEM FOR THE 1099C AND SHE WILL CHANGE THE BALANCE TO {$0.00} AND I TOLD HER BY LAW IT MUST BE REMOVE LIKE XXXX DID COMPLETELY REMOVE IT AND LATER THAT NITE MY PORTAL SAID THE DISPUTE WAS COMPLETED AND WHEN I LOOK AT IT NOTHING ON THE XXXX ACCOUNT WAS CHANGE NO BALANCE OR IT WASN'T REMOVE PLEASE FIX THIS AND DELETE DUE TO YOU HAVING THE 1099C I SENT IN FROM XXXX XXXX  YOU ARE VIOLATING MY RIGHTS BY 15 USC 1681 ....
Product: Debt collection

They sent a letter to my job that they was starting to garnish my wages and the amount that they was going to and when they started doing that week