23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several times a week I get a call from EOS CCA saying that I have debt I need to repay. However, it is not my debt. I am completely up to date with all my bills and ALWAYS have been. I even called my utilities services to confirm and all said I do not have any outstanding balances. I tried to explain to EOS CCA but they continue to call me.
Product: Credit reporting or other personal consumer reports

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im reaching out because Ive found an error on my credit report that I need to get fixed. After carefully reviewing everything, I noticed an entry thats not correct, and its affecting my credit score in a way that isnt accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, This creditor has violated my rights.

Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 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

I called XXXX XXXX XXXX to tell them this wasnt my account they ran my social security number and agreed it was not mine and said that they would take care of it. Its still on my credit report and is also showing up in collections with a company called LVNV FUNDING LLC. I mailed a dispute letter to them and XXXX XXXX XXXX and its still on my report and its obviously not my account.
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. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Money transfer, virtual currency, or money service

On XX/XX/2022 my computer was hacked by a scammer who gained access to my Chase Bank online account. Realizing what happened I promptly contacted Chase Consumer Protection and Fraud Customer Service. Several phone calls were made by me and recorded by Chase notifying them that I did not authorize a transaction that was made moving {$10000.00} from my Savings account to my Checking account. I informed the agent ( s ) that my computer was hacked and that all my online accounts must be shut down immediately to prevent any additional transfer of money. My online identity and my wife 's online identity at Chase were changed and I was told that would protect us. Despite being notified of the scam and asking that my accounts be shut down, onXXXX at XXXX XXXX  Chase negligently sent an International Wire transfer from my account in the amount of {$10000.00} to an unknown individual. I have made numerous telephone calls to Chase Bank Claims Department requesting they return my funds which I did not authorize to be wired. Chase has denied my claim saying they are not responsible for scams and had no information to know that it was not me who requested the wire transfer. However, they have a recording of my telephone calls 12 hours before they made the transfer explaining that my account was hacked and should be shut down. I feel Chase Bank was negligent in their fiduciary responsibility by transferring money from my account after being informed that a scammer gained access to my account, and I wanted all transfers frozen, and my account locked.
Product: Credit card

Hello just wan na say is unfair that capital One Credit Card Compagny charge me twice for cash advantage fees, first one is {$90.00} which is correct and {$50.00} which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX, I informed Transunion that two public record are being reported incorrect as who is the report company It show the court name and address, The problem is, none of that information is accurate. The recorder of the court itself did not furnish any of this information to the credit bureaus. I obtained letters from courts over and over again, and they all confirm the same thing that they do NOT furnish information to any third party, including the credit bureaus. The credit bureaus provide you with false information about who furnished the information? 
Transunion told that the bureaus get public records information from companies ( a.k.a. XXXX XXXX ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database, and then they sell it to the main 3 credit bureaus. The credit bureaus do not list the XXXX XXXX as their information provider. Whatever the reason, It is a violation of the Fair Credit Reporting Act to report false information. And claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, that considered false information on your credit report. 
When I dispute the public record with the credit bureaus, they said they VERIFIED the information with the court! Again, this is completely false. They said they used typically utilize an automated computerized system called e-Oscar ( Online Solution for Complete and Accurate Reporting ) that automatically checks with the data miner. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical VALIDATION of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting or other personal consumer reports

2nd closed computer generated response that is total nonsense. Clearly this morally bankrupt company is still stalling
Product: Mortgage

On XX/XX/XXXX I submitted a complaint against my mortgage servicing company, # XXXX. They had attempted to raise my mortgage payments by claiming that my escrow account was low. After several months, numerous calls, filing multiple complaints and supplying additional paperwork to confirm that I was not required to pay monthly escrow for taxes or homeowners insurance, they finally acknowledged their error and ensured me that it had been corrected. In XXXX I attempted to pay my property taxes and discovered that the company again had submitted a payment causing my escrow escrow account to show a negative balance of {$2800.00}. This action was taken by the company after having been told numerous times that I pay the taxes directly and they were not to submit any payments on my behalf. I am in the process of refinancing my loan to take advantage of the lower rates, because of their careless and negligent actions there is a possibility that the new mortgage will have to be higher in order to pay this debt. I am retired and on a fixed income, I have been paying my taxes on a quarterly basis and that is what I have budgeted at this time. They paid the total amount which now shows that I owe 2x the amount of money that had been budgeted for this expense. On XX/XX/XXXX I contacted their customer service and spoke to an individual named XXXX XXXX. He identified himself as a supervisor and stated that he would address the issue. I had not heard back from him after 1 week and sent an e-mail to an individual named XXXX XXXX in the Compliance Department. Ms XXXX initially did not even acknowledge receipt of the complaint and did not respond until I sent a follow-up e-mail. She then sent an e-mail saying only she was looking into it, there was no information about when actions would be taken to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I would like to complain XXXX XXXX XXXX about : +++ Charging excessive interest rates and fees, +++ Engaging in unfair debt collection practices, +++ Misrepresenting the terms of loans to consumers with low credit scores, and +++ Failing to disclose important information about loans and fees, I paid XXXX for payments on XXXX aldredy and after XXXX they send me another bill XXXX, I think that payment I just make it, maybe letter send late, that why I did not paid more, from XXXX until XXXX, I did not see any bill about payment, I dont remember, because I am very busy for selling house moving to Texas, with XXXX kid, The day XX/XX/XXXX at XXXX XXXX., they took my car, and did not tell me Anything, I still have lot thing on my car, and alot paper very important for my kid go school, when I bought the cars, the XXXX only XXXX with high interest they give us, and fee, total XXXX , that not fair and too much for my interest and fee, anything they want to take my card, at least let me know, I can remove all my stuck in there, I have loan car with them after I down XXXX, and couple month paid, and they took my car, that enough money aldredy, they can not take everything on my car, paper, money in the car, they should be take car only if I dont paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint number XXXX Experian claims the verified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with the furnisher. My last complaint clearly stated a consumer reporting agency may not produce a consumer report containing transactions between the consumer and the person making the report. I did not as for anything to be verified. Furthermore Experian never provided the method of validation in order to verify those accounts. Did Experian speak to my neighbors or anyone I know? How did they validate those accounts. If Experian can not provide documentary evidence they actually did an investigation they need to cease violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file chpt XXXX bk back in XXXX XXXX, reaffirmed the debt in XXXX XXXX, recently in XXXX XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XXXX XXXX, XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over XXXX points ....
Product: Student loan

At XXXX XXXX XXXX I began college in XXXX. I went to XXXX XXXX University. I was the first male in my family to attend college. My parents did not make XXXX a year with XXXX younger kids at home. After doing all the paperwork I was set to go, with some grants, track scholarship and small student loans. At the time I did not qualify for any VA benefits due to my father would receive his just dues from his XXXX XXXX in XXXX. He would receive those benefits until 10 years later ( XXXX % XXXX ). The back pay didn't go back far enough to cover my school. At the time XXXX was the cheapest University in the XXXX. As time went by the loans grew more and more each year. I couldn't work at the the time due to XXXX rules for athletes. I majored in XXXX and after track ended I worked full-time and went to school part time. Loans grew slightly more over time. 

While going to school part-time my loans defaulted. I didn't find out until I lost a Federal Tax Return. By then loan had doubled. It seemed that ever time it switched collectors XXXX was added in fees. I was given a number to call to get it all straighten out. From this point I was told several lies. I was told that if I consolidated the loans the fees would be taken off. Wrong. I was also told that my tax returned collection would be reversed because of the economic hardship it created at the time. Wrong x 2. It wasn't much but return would have paid my {$320.00} rent that month and got me caught up. Instead I have been struggling ever since.I went several years working low paying and high responsibility restaurant jobs. Several years with barley enough to make end meet. 
In the last 5 years things have been on an up swing but I have a dark cloud from the past over my head.My employer revived a letter of garnishment to take 15 % after taxes out of my check. I was then offered rehabilitation program to try get this all to level I could Pay. I paid {$20.00} a month for ten months. I was promised that all fees and interest would be waived with completion of program. After completing the program I was told the fee from before the consolidation could not be removed and I would owe may more. And take an heavy tax burden as well. 
I can't afford to make payments that are required. The burdened has now grown because I got married. Do I get divorced?? 

Here are the numbers : XX/XX/XXXX to XX/XX/XXXX Loan were roughly {$17000.00} XX/XX/XXXX Discovered loan had defaulted {$27000.00} From XX/XX/XXXX to Today {$70000.00} I make XXXX per year and so does my wife. 
We have family of four. 
I would be almost XXXX XXXX XXXX under the current high payment. 
I having a hard time buying a better home my family because my DTI is 170 % There is barley anything left over at the end of the month as it is. 
This loan was not granted with that same toughness as a mortage. 
I was given this loan with no money, only a potential to make income??? 
I should have qualified for grant based of income. Yet I was served up Student loan.
Product: Checking or savings account

I had approximately XXXX $ ish in my Simple bank account before they " dissolved '' into XXXX. I haven't been able to check my balance because my account no longer exists, and my card has been declined everywhere. even in ATMs. For XXXX to do this on a XXXX is absolutely criminal. as well as hanging up on people trying to get information about their accounts. They've had MONTHS to prepare for this. they announced it back in XXXX. I don't have any money anymore.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I was approved by Avant for a credit card for {$300.00} I agreed to accept the card but the company was unable to finish the application because they couldn't verify my identity. They verified my phone number, and email, but couldn't verify my identity with a selfie matched with a driver 's license even though I provided the information. 

They couldn't resolve the issue so the inquiry needs to be removed due to my not wanting to apply for something I can't be approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 hard inquiries thats I did not authorized XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report
Product: Debt collection

Almost XXXX XXXX years ago I terminated my lease at XXXX XXXX XXXX XXXX NC. I was never late on my rent and the apartment was spotless. I left my forwarding information and never heard from them again. I have over a dozen wittiness plus pictures that my place was very nice and clean. I received a call from Hunter Warfield Inc that I owed {$820.00} for damages. First off over 2 years later and no communication, no itemize documentation of what the {$820.00} was for. It is now showing on my credit. 

Furthermore, my current house management company does walk through inspections every 6 months. I have lived here almost 2 years and they have always told me how great we are and that my home is so clean and well decorate.
Product: Credit reporting or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized items are removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its unrelatedness to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This began with CFPB # XXXX, requesting XXXX XXXX to remove XXXX XXXX from my credit report on XXXX XXXX, 2017. <P/>XXXX contacted me on XX/XX/XXXX and agreed to withdraw the incorrect information from my credit reports, subsequently being removed from XXXX and XXXX. <P/>On XX/XX/XXXX, I emailed XXXX XXXX at XXXX XXXX regarding the item still being on my Equifax. I received a letter dated XXXX XXXX from XXXX XXXX stating that removal request had been processed with all major credit bureaus. I submitted a dispute with Equifax on XX/XX/XXXX with the attached letter ( Confirmation : XXXX ). On XX/XX/XXXX I called Equifax to follow up on the dispute status and was told it would not be removed since XXXX had not withdrawn the item. I spoke to a supervisor and brought the submitted evidence to her attention. She resubmitted my request and gave me a new confirmation : XXXX. <P/>XX/XX/XXXX I receive the attached notice from Equifax that the item has been " verified '' Either XXXX is not correctly withdrawing this item or Equifax is intentionally damaging my credit with false information.
Product: Debt collection

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  Subject : Dispute of Debt Collection Account Dear Credit Collection Service, I am writing to formally dispute the validity of the debt that has been referred to your agency for collection. The account number in question is [ XXXX ], and I believe that this debt is inaccurate for the following reasons : I do not owe this debt, the amount is incorrect, I never signed a contract for this, etc. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including the following information : 1. The name of the original creditor 2. A copy of the original agreement or contract that created the debt 3. An itemized statement showing the amount owed and any fees or charges applied 4. Any other documentation that substantiates the debt Until this information is provided and the debt is verified, I respectfully request that all collection efforts be halted and that this account be marked as disputed on my credit report.

Please respond in writing within 30 days as required by law. If you do not provide the necessary documentation or fail to resolve this matter, I will consider pursuing my rights through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1991 Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America has allowed someone to use my account to buy things and is saying it was me or someone in my house. XXXX times in XXXX day, and other withdrawals or purchases not made by me or my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today from XXXX  telling me that my scores dropped by over 60 points! When I looked into this issue there appeared a collection from a company I never heard of called Radius. Once I was able to find out who Radius was I realized that they were collecting for XXXX XXXX. I personally have never had an account with XXXX XXXX so I have no idea why they are on my credit report. And the bill is only for {$52.00}!!! I am contacting Radius and XXXX XXXX right now to demand that they remove this from my credit immediately. I am trying to buy a new home and a car within the next few weeks. Obviously 60 points is a big deal to me right now!
Product: Credit reporting or other personal consumer reports

This is my first attempt to inform you that I am a victim of identity theft, and I am disputing certain records in my file resulting from this crime. The records I am challenging are not related to any transactions involving goods, services, or money that I have authorized. Please remove any significant information in my credit report that resulted from the alleged fraud or extortion. 
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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CXXXX 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 XXXXXX/XX/XXXX