23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX CARD- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : Transunion I've been trying to fight with transunion and XXXX for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX ca XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX and XXXX ) 2. XXXX XXXX ( Equifax, XXXX and XXXX ) 3. XXXX XXXX XXXX ( Equifax ) I dont know if you guys can help also with these inquiries I know nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit card or prepaid card

Dear XXXX XXXX Managing Vice President I disagree with the results of the Fraud investigation assessment that was sent XX/XX/XXXX. I previously notified you that Im a victim of identity theft and requested that you remove all fraudulent charges from my account and close the account. I am a victim of identity theft, due to your XX/XX/XXXX website Security breach. I am writing to dispute the following fraudulent charges on my account. I first notified Cap One XX/XX/XXXX of suspicious activity to your fraud agents, who stated the System issued a new duplicate card automatically ( card valid till XX/XX/XXXX ). I objected to replacement card being sent, but told it was already sent USPS, no signature needed. I complied to report Fraud on XX/XX/XXXX. Then XX/XX/XXXX I received email ( attached ) that fraudulent activity was declined for {$3400.00} against account, I immediately called Cap One was told a second charge was being was paid on Card # XXXX for {$2000.00} ( XXXX XXXX ) while I was waiting speaking to agent. I did not make these charges and I have. I request that you remove all fraudulent charges and any related fees from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information to credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and your own emails and phone records supporting my position. I spoke to Frauds manager ( Refused to state her name requested ) who claimed to be final decision maker. Please investigate this attached data and send me a written explanation and judgment of your findings. 

Sincerely, XXXX XXXX XXXX Enclosures : Fraud determination FTC Identity Theft Report Email chains from Capital One XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE Companies ( XXXX  XXXX ), ( XXXXXXXX  ) has reported late payments & collections of no knowledge and theyve not under the FCRA Section 609 ( a ) ( 1 ) ( A ) that credit reporting agencies must physically verify the original signed consumer contract for every account theyve included into my credit report. Ive yet to see that and have not gotten anything of any sort. Ive kids and I am ill. 
Also mobile show 2 different agencies that dont even make sense my information was sold I do t even know or understand who these people are.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX and again on XXXX XXXX XX/XX/2023 I spoke with Experian Credit Reporting Agency that my mortgage with XXXX XXXX XXXX XXXXXXXX ( XXXX ) was not showing on my credit file with Experian. I was told by Experian that my mortgage company ( XXXX ) was not reporting my mortgage to Experian and it was nothing they can do about non reporting. Irequested to speak to a Supervisor on the abve two dates to be put on hold until the phone calls were drop each time. 

I also spoke to my Mortgage ( XXXX ) on XXXX XXXX and was told that they were reporting to Experian but could not give a date or put it in writing that they were reporting to Experian.
Product: Credit reporting or other personal consumer reports

When I called the dispute phone number I was routed to a person who I could not understand. When I asked for the web address to submit my statement and corrected information I was told it had to be done by mail or I could subscribe to the pay site and submit it. Transunion has so many sites its confusing. Isnt it supposed to be free to correct your information? It really is bad everything your bank does is through Transunion. To get a loan I have to have this issue corrected. Maybe if the representative lived in the same country and understood the process they are working with.
Product: Vehicle loan or lease

On XX/XX/2022 I paid the vehicle off and innovate owes me money for overpayment and paperwork related to my loan payoff. They continue to refuse to do anything they say they will do and have resorted to saying that they might find a way to make me owe more money instead of sending what they owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a few accounts on my credit report I do not recognize
Product: Mortgage

My husband and I purchased a home in Oregon. My husband continued to work in California and I moved into the home. Our home owners insurance is separate from the mortgage. We thought the insurance was on auto pay through our Insurance Broker as has been our custom. Because we were overwhelmed planning our wedding, relocating and working in different states much of the time, we both thought the other person was watching the insurance payments. The insurance payments lapsed for 10 months before we became aware. Though we forwarded our mail we did not receive the three notices from our insurance company despite documentation by the insurance holder that they were sent. The final notice by the lender to get insurance and avoid forced insurance went to my the property where my husband works rather than the address of the home where I reside. My husband and I never saw any other noticed by the lender prior to the final notice. We are the only ones who check our mail. We obtained home insurance right away once we discovered the problem. Now the lender wants to charge us for purchasing home insurance ( that they have not yet purchased ) for the lapsed time at nearly 2 times greater than the initial cost if we can't show coverage during the lapsed time. I understand having to pay a lender back for purchased insurance during the lapse or even for the cost of lapsed time for a more reasonable rate.

1.Can they demand to purchase lapsed insurance that was not purchased during the lapse and after the date we had already purchased a new policy?

2. And if so, can they charge a rate that is more than two times the annual rate of lapsed coverage?

3. I have not been able to find a company who will provide backdated home insurance, so how can they find such a policy? 

Your response to these questions is greatly appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Mortgage

On XX/XX/XXXX, Greentree Servicing foreclosed on my residence. They provided me with a XXXX at that time. On XX/XX/XXXX, the house was sold to a private party. I have yet to be given a XXXX. When I checked my credit report, they were reporting it as an active mortgage with a balance of {$120000.00}. I contacted them via email requesting that they provide me with the XXXX. They followed up with a XXXX showing no interest paid XX/XX/XXXX. I contacted Senator XXXX XXXX 's office and they sent a letter on my behalf. Once again, Greentree Servicing sent me a XXXX. After the contacts, they have changed the status and dollar amount on my credit report. They are now showing it as " open - collection/charge off '' with a balance of {$100000.00}.
Product: Debt collection

I have had this debt that does not belong to me any times for many years. The date 2018 is incorrect as they have been putting this on my credit for 5-7 years now. I have asked for orignal documents or proof or any back up and they still are unable to provide me anything. This does not belong to me, they have nothing but an invoice, nothing filled out by my, no ID copies, nothing I would like it removed once and for all and not continued to be sold to other collectors.
Product: Checking or savings account

I was impacted by XXXX data breach. Fraudster managed to open a checking, savings, money market and a credit card account with Sun Trust bank. I have received my XXXX  XXXX  comprehensive disclosure report and in it, I see that Sun Trust opened all these accounts without even asking for drivers license or any identification. They opened those accounts online with just SSN and Date of Birth and an old address where I lived in 7 years back. What kind of a bank does not do the basic minimum due diligence of checking the identity. My credit report shows that I have a mortgage and all my credit cards are showing a different address and still Sun Trust ignores all those fraud warnings and still opens those accounts. XXXX data breach impacted XXXX XXXX Americans and this happened in XXXX, we are in XXXX and look at the lax security practices followed by Sun Trust. There have to be some penalties for banks such as these which can not even do basic fraud 101.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has reported incorrect information on my credit report. This information includes 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

On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, XXXX, XXXX, and Transunion on XX/XX/2021, My XXXX score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from XXXX, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/XXXX, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!
Product: Checking or savings account

On XX/XX/2021, I made a mobile deposit with a Company Check number XXXX to a personal Checking account for {$1500.00} within Wells Fargo Accounts. The check was withdrawn from the business account on XX/XX/XXXX but was never credited to the personal checking account. 
I sent several emails asking for help or a solution to this problem, I called them several times and spent hours with different customer service representatives. I had an appointment at the bank with a banker but no answer to this mobile bank app mistake has been given to me, and the money ; today has marked 20 days and it still has not even been temporarily credited to my account having proved that the evidence is showing that the mistake is on their side. 
Today I received an email from a Bank Manager in the Complaint Department telling me that the case was closed without any explanation, and again, without crediting my account with the {$1500.00} and knowing that the Wells Fargo Bank took the money on the XXXX of XXXX. That's when I decided to ask for help in recovering our money from the Wells Fargo bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Vehicle loan or lease

The interest rate was unfairly high, and once I surrendered the car after paying 4 years they are suing me for XXXX dollars for a XXXX car.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to transfer {$620.00} from my PayPal account to a debit card and the transfer was sent to a closed XXXX XXXX debit card account and not the correct place it was supposed to be sent to. 

After realizing this took place, I contacted Paypal and was told it would return to my Paypal account within 24-48 hours and to call XXXX XXXX. I then called XXXX XXXX and did not get any help or helpful information to resolve this issue. 

As the consumer, we rely on companies like Paypal and XXXX XXXX to provide assistance in the best interest of the consumer, and as we don't know the right way and don't have access to get it resolved on our own.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I financed a rainbow XXXX  and power nozzle from Preferred Credit LLC. On the bottom of the contract that I signed it clearly stated that I had a 3 day return policy. On XX/XX/XXXX I contacted the seller of the rainbow and told her I wanted to return it, she said she would come pick it up and in the mean time I sent over certified mail of written statement that I was canceling the contract. The rainbow was returned and Im still getting charged for the rainbow although I no longer have it in my possession, they have put a big impact on my credit, Ive called Preferred Credit LLC and they have been no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. Please block, remove or delete this information pursuant to section FCRA 611.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent XXXX  CFPB lawsuit highlighting significant issues with the platform. Despite Using Zelle numerous times and reporting this discrepancies, my financial institution and they failed to investigate my claims adequately.
Product: Mortgage

Amendment to complaint XXXX : I mistakenly stated in my earlier complaint against SPS that my wife was laid-off from her employment position and i received a salary reduction during approximately XX/XX/XXXX. That date should have been documented as XX/XX/XXXX ( during the height of the Covid-19 epidemic ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit card

XXXX XXXX and Costco ended partnership. They transferred my card to Citi. 60 days later Citi sent me a statement with late charges saying I was late. I called them and they said I owed the {$510.00}. I asked them for what. They said it was money that was transferred over from XXXX XXXX. I told them I needed to know exactly what I spent it on. She said they would send it to me in a couple weeks. I told her I would pay the bill when I saw it. She said if I did not pay it right away it would hurt my credit. I told her that was ridiculous. I told her I would not pay any bill unless I knew what I spent it on. This seems very strange. 
I have good credit and always pay my bills on time. I do not like be threatened that my score would go down. I never even knew my account had been transferred over. I want to know that my score was not affected. I do not mind paying the bill, but I think I have the right to know what I spent the money on. They simply sent a bill saying I owe {$510.00}.
Product: Credit reporting or other personal consumer reports

I NOTICED THIS ISSUE IN XXXX INCORRECT INFORMATION NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Caine & Weiner ( C & W ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with the City of XXXX XXXX XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the City of XXXX XXXX XXXX XXXX XXXX is considerable. C & W is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California XXXX of Civil Procedure sec XXXX. C & XXXX is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, Cal. Court of Appeal XXXX District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate C & W 's debt collection practices.