23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have called me numerous times, the most recent being XX/XX/19, at XXXX XXXX. I have already explained to them I am NOT the person they are attempting to collect from, and they refuse to remove my phone number from their system. I have gone so far as to call them twice, and explain that they are obviously incorrect ... I know this, because I have NO DEBT. They also claim to be a law firm, which is 100 % false. They are actually Sarma Debt Collection.
Product: Mortgage

I am filing another complaint with the CFPB against CHASE, my mortgage company, due to a concerning situation. Despite declining their so-called mortgage assistance program, which has proven unhelpful, my account now inexplicably shows that I am enrolled in this program. This misinformation has resulted in a series of alarming events, including the inability to make my mortgage payment due to an ongoing issue with the payment amount. 

The situation has been exacerbated by the fact that each time I call CHASE for assistance, I receive conflicting information and promises that are not fulfilled. With the end of the month approaching, I am increasingly worried that CHASEs mishandling of my account and the persistent inability to rectify the payment amount issue are deliberate attempts to push me into default, potentially resulting in the loss of my home. 

I urge the CFPB to intervene swiftly to address this distressing situation. Specifically, I request that CHASE immediately corrects my account status to reflect that I have declined their mortgage assistance program. Furthermore, I seek assurance that I will not face any adverse actions, such as foreclosure proceedings or negative credit reporting, due to CHASEs errors and mismanagement of my account. It is crucial that CHASE takes responsibility for their actions, provides a clear resolution to the payment amount issue, and ensures that no further harm is done to my financial well-being and housing security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking EXPERIAN, XXXX, AND XXXX to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2019 i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists 16 HARD inquires SXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Debts and Revocation of Communication Rights LVNV Funding LLC Dear Consumer Financial Protection Bureau, I am writing to formally dispute all debts asserted by LVNV Funding LLC and to request debt validation and purchase agreement between LVNV Funding LLC and original creditor. to furnish proof that theyre licensed and bonded. I request the revocation of their communication rights via email, call, and text. My decision is based on apparent violations of consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s2 ( 7 ) ( a ).

LVNV Funding LLC seems to be engaged in practices that are potentially unfair, deceptive, or abusive, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Moreover, their failure to provide accurate information about my debts, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), raises concerns about their compliance with consumer financial protection laws.

In addition, LVNV Funding LLC appears to be non-compliant with 12 CFR 1006.34 ( d ) by not adequately addressing my previous complaints and disputes, thereby violating regulatory requirements.

Furthermore, I assert my rights under 15 USC 1681s2 ( 7 ) ( a ), as the collection agency has failed to adhere to the Fair Credit Reporting Act ( FCRA ) by potentially reporting inaccurate information to credit reporting agencies. 

As a result of these alleged violations, I am formally disputing all debts claimed by LVNV Funding LLC as I mentioned above and request that the Consumer Financial Protection Bureau investigate these matters promptly and remove from my consumer report immediately. Additionally, I am revoking any rights for LVNV Funding LLC to communicate with me via email, call, and text, in accordance with my rights under the aforementioned laws. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will take appropriate action to uphold consumer rights. 

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

My midland account was settled and I am not getting credit for this, also I have a XXXX XXXX XXXX XXXX with the limit of XXXX $ that is in good standing and it is not showing up and giving me positive results. Also my XXXX  account is paid and never late and it is not giving me credit for it. On here it just says I have one that is closed and that is not true. The one I have is open and paid and has never been late once. I should be getting rewarded for this.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Experian regarding their refusal to remove unauthorized inquiries and accounts from my credit report. Ive submitted several disputes along with an FTC report proving this was the result of identity theft. The following accounts are appearing on my credit report and are inaccuratXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date opened : XX/XX/XXXX Fraudulent amount : {$93.00} XXXX XXXX Date XXXX Fraudulent amount : {$400.00} XXXXXXXX XXXX Date opened : XX/XX/XXXX Fraudulent amount : {$160.00} XXXX XXXX Date opened XXXX Fraudulent amount : {$580.00XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These unauthorized inquiries and accounts are damaging my credit score and affecting my ability to obtain credit. I believe that Experian is not complying with the Fair Credit Reporting Act ( FCRA ) by failing to correct this inaccurate information.
Product: Credit reporting or other personal consumer reports

I paid XXXX credit card {$1500.00} on XX/XX/XXXX before the closing date. It needed to be paid by XXXXXXXX XXXX eastern time and I paid it XXXX hours before that time. The XXXX transactions area shows I paid it XX/XX/XXXX, however their payment area shows I paid it XX/XX/XXXX. My bank statement also recorded it as a XX/XX/XXXX payment. This caused my balance at closing to reflect much higher which dropped my scores significantly at all 3 credit bureaus XXXX, Experian, and XXXX XXXX. This was incorrect reporting by the credit bureaus and incorrect reporting by XXXX. XXXX account services stated they sent the dispute info asking for a correction to all 3 credit bureaus but the bureaus are not showing an update to reflect the balance to be about {$250.00} versus {$1700.00}.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX and Transunion regarding XXXX XXXX XXXX, Debt collector for XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's XXXX  when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, Transunion, and XXXX XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX. I called Discover Credit XXXX I was first connected to someone at a call center in, I believe Michigan with a name of XXXX. I told her I was denied for Discover student credit card and wanted to apply for secured credit card. She connected me with someone in " acquisitions '' named XXXX. XXXX said I was denied due to my address. I updated my address and agreed to move forward with secured credit card application. She told me she did a hard pull for discover student card. However, I believed that she knew I wanted to apply for the secured credit card since I specifically stated this when I called XXXX at XXXX XXXX. on XX/XX/2020. I disagreed with XXXX. Then I was connected to supervisor XXXX XXXX after this and again on XX/XX/2020 at XXXX XXXX. I told him I was pre-approved for a secured card and thats what I thought I was applying for with XXXX. He refused to offer any resolution. Without reaching a satisfactory conclusion he said he wouldn't be available to speak about this until Monday XX/XX/2020. I called Discover again XX/XX/2020 at XXXX XXXX and spoke with a gentleman in the XXXX center who connected me with supervisor. I explained that I wanted to give opportunity to make this right in lieu of going to Consumer Protection Bureau. She said they can not remove an inquiry no matter what. However, her statement contradicts what XXXX XXXX told me that an inquiry could be removed but he did not find any reason to do so. She said she was going to again connect me with someone in " acquisitions '' she said that they can not remove an inquiry and I gave her an opportunity to make this right in lieu of going to CPB. She declined and I informed her I was reporting this to Consumer Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both complaints filed, received the same reply from TransUnion. It does not matter how much they think they are right. They are still in violation of the FCRA. They can not arbitrarily determine or report a score that is not consistent with information, complete or incomplete on my credit report. Simple as that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE {$4400.00} XXXX XXXX ACCOUNT XXXX BALANCE {$590.00} XXXX XXXX ACCOUNT XXXX BALANCE {$1900.00} XXXX XXXX  ACCOUNT XXXX BALANCE {$5400.00} XXXX XXXX XXXX XXXX BALANCE {$270.00} ABOVE REFERENCE ARE ACCOUNTS THAT HAVE BEEN PREVIOUSLY DISPUTED WITH XXXX CREDIT REPORTING SERVICES, I HAVE A FTC REPORT ON FILE FOR IDENTITY THEFT, I ALSO SUBMITTED A POLICE REPORT IN REGARDS TO THESE FRADULENT ACCOUNTS THAT THEY DENIED ADDING TO MY DISPUTE AND I AM IN CURRENT LITIGATION THREW A LAW FIEM CALLED XXXX XXXXXXXX XXXX IN NEW YORK SUING FOR A SETTLEMENT FROM XXXX OF THERE RECENT DATA BREACH UNDER THE FAIR CREDIT ACT AND CONSUMER LAW THE CREDIT BUREAU HASNT HONORED MY RIGHTS AS A CITIZEN AND HAS VIOLATED MY NATURAL RIGHTS. I DEMAND THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy
Product: Bank account or service

Chase Bank did a credit inquiry on my credit that I did not authorize. I did not authorize in any form or fashion. I called the bank to ask them to remove it and was told that they have been hacked into and credit inquiries were happening to a lot people and that I needed to call their IT security dept. The next day I called the security dept. and they said they would get it removed. I gave them all my information to get it removed. It has still not been removed yet. The inquiry was dated XXXX on credit reports, for whatever that 's worth. I do no business of any sort with Chase Bank, no accounts, nothing. I am still wondering how they got my information in the first place? Without sighed or confirmed to do so? Something fishy going on at Chase Bank
Product: Debt collection

This company phones my home # ( above ) several times a day. They also call my cell #, XXXX, several times a day, except with my cell they call and let it ring one or two times, hang up and call again 4-5 times, then the last call rings until it goes to voicemail. They never leave messages on either # and when I picked up once there was no one there. My home phone caller ID identifies the company as IC System. They use different # s when they call. One is XXXX. Another is XXXX. Both are identified as IC System on my home phone.
Product: Checking or savings account

I opened a TD checking/savings account on XX/XX/XXXX with a promotion which would give {$300.00} to the new checking and {$200.00} to the new savings when the criteria is met. I got the {$200.00} bonus for the savings a long time ago but I haven't received the checking bonus. when I contacted this bank, I was told I was ineligible because I had got a bonus in XXXX. Based on the terms when I opened the account, the bank stated that : Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD bank within the preceding 12 months. I did not have any TD bank checking within the preceding 12 months so I should be eligible for the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2024 I was contacted by a mortgage company that informed me I could not get a mortgage because Credit Acceptance was reporting I hadn't paid on my car in 176 days I called my bank and requested a statement showing all my payments to Credit Acceptance in the past year On XX/XX/2024 the mortgage company received the payment history from my bank, called me and told me I now needed a payment history on Credit Acceptance and a letter from them stating that they reported inaccuracies. 
On today XX/XX/2024 at approximately XXXX I called credit Acceptance and requested the information. Initially they sent an electronic document which could not be opened and refused to send a letter stating I had indeed been paying. I spoke to XXXX and a supervisor named XXXX I called again and spoke to another supervisor named XXXX who agreed to send an actual copy of my payments, but also refused to send a letter stating I had indeed paid my car note this past year.
Product: Credit card or prepaid card

During the Covid-19 pandemic, Discover not only didn't try to help its customer but they chose to close my account due to inactivity. There was no advance warning at all. After contacting the customer service, they would not reopen this account. This is totally unacceptable and it does show this company doesn't care about its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX  XXXX bankruptcy XXXX Identification number : XXXX Date filed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just pay for a credit report and I saw those fraud inquiries that I do not know about and shall delete from my credit report. 

Those inquiries below are fraud XXXX XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY THEFT
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred as a service member and veteran. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've challenged the following accounts on many occasions, however the main 3 credit bureaus, XXXX, XXXX, and Transunion all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, XXXX  XXXX XXXX, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I graduated from XXXX XXXX in XXXX, and my loans entered into repayment in XXXX. The loans at issue are through Discover Student Loans. I initially set my loans on a ten-year repayment plan and my monthly payments were approximately {$650.00} / month. In XX/XX/XXXX, i was switching jobs and wanted to set my loans to a 20 year term ( i.e. so they would be paid off in XXXX ). Discover adjusted my payments, and my payments went down to {$220.00} / month. I made the same {$220.00} payments for five years until in XX/XX/XXXX, when Discover unilaterally increased my payment amount to {$2600.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted Discover, they said that the only documentation they had was that my loans were on a 10 year term, and therefore they increased my monthly payments to {$2600.00}. However, Discover is ignoring that my statements and payments for the past 5 years reflected a 20 year repayment schedule. I believe that Discover did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.
Product: Debt collection

ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', WELLS FARGO, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP