23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Information from Capital One recently appeared on my credit file. This account is not owed. It reports as opened in XX/XX/2018. I recently opened a new account with Capital One this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the following companies below. I asked that these companies validate my debt and send me the results of their validation. These companies did not fully investigate my company nor did the following creditors state information that gives them legal grounds to report my on my credit with invalid information. I have also asked these reporting agencies to remove XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX because this address is not associated with me. Please remove this inaccurate information. 

15 USC 1692g : Validation of debts states ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 

Please remove the following companies off of my credit or I will be forced to sue in small claims court. This is a violation of my consumer laws and I am entitled to funds for the misuse of the law. 

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

Chase procedure in trouble Nation when many was to assist with social distance we should able to communicate with bank staff
Product: Debt collection

{$2100.00} XXXX XXXX is saying I owe this amount, I dont know where this came from. XXXX is reporting this I have a complaint in with this bank already. This is being reported on XXXX  and XXXX as of XX/XX/18. I need documentation proving that this is my account with my signature according to Section 69 of the FCRA you have to have proper verification. I want this removed from my credit report.
Product: Debt collection

Around late XXXX I began receiving calls from the Commercial Acceptance Company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX regarding a medical debt I was not aware of. I called in and spoke with a representative XXXX XXXX XXXX about the debt. First, this representative did not do their do diligence to insure that they had properly identified who they were speaking with. They simply asked me, " Is this XXXX XXXX? '' Then upon me saying yes, he began to share information about the debt I owed without further confirmation that I was in fact XXXX XXXX. I informed him that I had recently been laid off due to the corona virus pandemic and asked for clarification about the debt. He began threatening me by stating that the debt had already been submitted to my credit report, and that I owed this balance to their client. I responded that I had not been to this provider in a while, he rudely quipped " well yeah, the balance is from 2018 so that would be a while. '' I then asked him for an itemized bill of the balance owed so that I could review it before payment. He then stated that it was not really his responsibility to due that as I should have received an explanation of benefits provided by my insurance company. He then said, " did you read the explanation of benefits they sent you? '' When I responded that I do not recall reading it he sarcastically replied, " so no, you did not read it. '' I then asked if he was refusing to reach out to his client and have them send me the itemized bill which he reluctantly agreed to do. Three months pass, and I receive a letter from XXXX XXXX with the itemized bill I requested prior. With the following text : " Pursuant to our recent conversation, please find enclosed copy of the above referenced Itemized Bill. Please be advised that this account is now in default, and that my client is demanding immediate payment of the full balance due. Payment should be made directly to this office if you wish to avoid additional collection activity. '' I contacted the client directly for clarification as XXXX XXXX sent me 3 years worth of billing statements from the client instead of just the relevant charges. I spoke with a representative at the provider who helped me comb through the charges, confirming that I had paid my co pay but other charges were assessed after the visit. She also noted that the " COLLECTION FEE '' of {$50.00} was incorrect as my balance was under a certain threshold and therefore I should have only been charged a {$25.00} collection fee. She updated the notes and balance on my account to reflect that. The Commercial Acceptance Company carelessly charged me double the correct collection fee stated by the clients own representative. Then tried to bully me into paying an incorrect balance without confirming the charges with the client first.
Product: Credit card

On XX/XX/XXXX, I received an electronic letter from Synchrony Bank stating that they had received new information from XXXX that caused them to drop my credit limit from {$3000.00} to {$250.00}. I pulled all XXXX of my reports and found that nothing else had changed and no new negative reports had been made. I called XXXX as the letter from Synchrony instructed me to do and they advised me that they could not help me and their information was not showing what the letter reflected. They told me to call the card issuer instead. I called Synchrony Bank and they stated they could not explain the reasoning for their decision and could only open a dispute which would take a minimum of 60 days to resolve. Because of this action, mine and my partner 's overall FICO score have dropped significantly. I can not access dental care that I need promptly. And we are not able to purchase another vehicle now. We have absolutely no balance with Synchrony Bank and paid our card off in XXXX. I have one account in collections that has been there since XXXX, since before I even opened my account with Synchrony. Since opening my account with Synchrony, I have paid down my overall debt AND obtained a higher paying job. So I am not sure why the adverse action was taken and no one can give us an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called last week on XX/XX/26 to let them know that we are not working due to the Corona virus and need some sort of relief for the month of XXXX and XXXX. They said that we have to wait till XX/XX/XXXX and they can send us an email for some sort of deferment and fill out some paperwork. They said XXXX needs to be due for them to send the email. I NEVER RECEIVED THE EMAIL. 
I specifically asked them if we were going to be reported late and they assured me we were not. They reported us late for XXXX. According to the Government they are not allowed to do that because of the CARES act. 

THEY NEED TO REMOVE THE DELINQUENCY ASAP, I WAS NEVER LATE WITH THIS COMPANY AND BECAUSE OF THIS MY SCORE DROPPED 14 POINTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a XXXX account why is it on my credit Equifax is the only credit bureau who didn't delete it. I was XXXX when the acount was open. I didn't have an account or a job please delete its not mines please delete XXXX XXXX XXXX XXXX from my credit unin from my report please
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to address a significant concern : I have been victimized by fraudulent activity. Under FCRA section 605B, Credit Reporting Agencies are obligated to delete any items listed on an identity theft report. For my situation, please refer to reference # XXXX, # XXXX, and # XXXX. Attached, you will find documents to aid in the removal of incorrect information and fraudulent inquiries from my reports. Below is a list of items that were opened without my consent : EXPERIAN : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX. Let me repeat that per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within 4 business days of receipt.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$640.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

My husband passed away on XX/XX/XXXX. He had an Apple Savings Account through Goldman Sachs XXXX. I am the beneficiary on that account which included {$130000.00} and I have not received the funds from this closed account. Please see dates and times below : XXXX Closed the savings account that was under my husbands name. Was told that paperwork would be sent and that I would need to fill out the paperwork, include a death certificate, and XXXX the paperwork back. This was completed near XX/XX/XXXX. 

XXXX My daughter and I called to see if the paperwork was received and if the check was in the mail. We were told that the paperwork had not been received and they would be resending paperwork for us to fill back out. This new paperwork was never received. 

XXXX We called again to let them know that the new paperwork had not be received. I was told that the original paperwork with the death certificate did in fact arrive and it was being processed. However, it takes XXXX  days to go through a process to make sure death had actually occurred and that I would be receiving payment of the closed funds no later than XX/XX/XXXX XXXX Funds not received. Call them back and was told at first they had not received the paperwork and then within the same phone call was told " Never mind, the paperwork is here and we do have the death certificate. '' We will have somebody call you next week. 

XXXX I received a call from XXXX who informed me that the paperwork that I sent in XXXX went to the wrong department and that I would be receiving new paperwork and would need to provide another death certificate so that it would go to the right department. I kindly requested that he reach out to the " wrong department '' and have them walk it over to the right department since they are in the same building. He reported, " that's a good point, I will talk to my supervisor and will call in XXXX days '' I have not heard back from Goldman Sachs ; nor have I received the funds from my husbands Savings Account.
Product: Credit reporting or other personal consumer reports

i have the inquiries on my XXXX credit report but i did not initiate them ( 1 ) XXXX XXXX XXXX XXXX XXXX  ( 2 ) XXXXXXXX XXXX XXXXXX/XX/XXXX ( 3 ) XXXX XXXX XXXX  ( 4 ) XXXX XXXX XXXX XXXX ( 5 ) XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
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
Product: Bank account or service

i had an account with bank of america. I realized my debit card had been stolen by someone I knew, and apparently had been used to buy and send money orders as well as other things. When I reported this to Bank of America as soon as i realized what was going on they refused to give me back the money that had been in my account before the fraudulent activity as well as asserted that i was fully responsible for the charges on the account though I had no knowledge that was going to happen. I filed a report with them stating that I was not involved and was trying to file a claim for fraud however they never initiated anything even after multiple contacts with them. I am not able to open a new checking or savings account anywhere not even through second chance banking opportunities as this is listed as fraudulent activity on my part. I 've been trying to resolve this issue for a few years and need to be able to open accounts as I do not feel i should be made to pay fees for something I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted XXXX ( the data furnisher ) in writing via XXXX certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to XXXX  on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to XXXX on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to XXXX XX/XX/2023 ). As of today, XXXX has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equfax and attempted to notify them that two accounts on my credit report that I was initially disputing was changed to not disputing and to remove the statements on my credit report as disputing. The 2 accounts are XXXX XXXX and XXXX. I have been unable to contact anyone from Equifax. Whenever I attempt to call they keep telling me im answering the identity questions incorrectly. I just want all statements removed from my credit report stating that I am disputing them claims.
Product: Mortgage

During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( quicken/XXXX ) loan. We called quicken to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. 
Our property remains in a disaster affected area but quicken loan has reported a 30 day late payment twice during this time. We ask quicken to rectify this as soon as possible. 
In addition, this is the second time we ask quicken to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.
Product: Credit reporting or other personal consumer reports

I request a copy of the original contract with my signature from : XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX on XX/XX/year> through both companies and a compliant through CFBP. It has been 7 months and never received original contract
Product: Debt collection

Collection account from LVNV FUNDING with account # XXXX and a balance of {$610.00}. The original creditor is XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan of {$2100.00} on XXXX, I had moved jobs and the new job fell through, the loan was used to pay rent while I found another job. 
I have paid back $ XXXX and to settle the loan today, they want $ XXXX, this is between 400 % and 500 % interest and can not possibly be legal. 

I have saved PDF copies of my transaction list from their website as I believe they do not supply this once you have settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently started reporting a joint installment sales account under the name " XXXX '' to my credit report and this is not my account. It is being reported as a past due debt of {$630.00} with account number # XXXX. This has never been on my credit report before until recently. I am constantly monitoring my credit for fraud so I got on top of this the moment I discovered this was on my credit. It appears to a be financial advisory firm in XXXX XXXX. What is strange is that I have never lived in XXXX in my life. I have only lived in XXXX XXXX and now XXXX XXXX. My credit report and address history can confirm this. I called this company at the XXXX number provided on my report and they could not find any accounts in my name nor in my husband 's name. Knowing this information, I know that Equifax is clearly making a mistake. The person who assisted me told me that I would need to dispute this mistake with Equifax to get this off my report. This is the reason I am filing this complaint.
Product: Mortgage

I pay our mortgage to lender Mr.Cooper since XX/XX/XXXX after being switching from lender XXXX XXXX Mortgage. I believe this transition marked our mortgage reached 20 % ; however, none of them notified us how far or how many percentages we pay off the loan at the time. 
By XXXX or XX/XX/XXXX, our PMI should have been removed and in XXXX 's policy indicates that PMI will be removed automatically by them when we paid down 78 % of the loan. We assumed they would remove PMI for us based on their policy. However, they continued to take PMI We still continued to pay PMI until XX/XX/XXXX with amount of {$100.00} each month ( from XXXX XXXX XX/XX/XXXX ). When I called Mr Cooper to cancel PMI in XX/XX/XXXX and requested the refund of what we overpaid since XXXX or XX/XX/XXXX. They blamed on the investor Fannie Mae who took our PMI and disbursed only {$28.00} of XX/XX/XXXX payment. 
My email to Mr. Cooper was ignored since XX/XX/XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX and they blamed on the payment service- Mr. Cooper XXXX they took my PMI. 
I request CFPB to protect me from the intentional XXXX PMI of either Mr. Cooper or XXXX XXXX