23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX from Capital One stated that I have 54 day to make account good. After I deposited money in the account that was overdrawn by 53 days. AFTER I made the deposit Capital One violated my credit rights by stating that my account was charged off but it was not charged off until after I made the deposit and capital one cleared the funds. They have reported my account uncollectable. They even credited the moneyback to my account which mean they are in possession of the funds. This appears as if I did not pay but I did. The typical time frame for a charge off is 60 days. 


XXXX told me that it is federal law that they shut the account down in 54 days. I asked him for the information in writing he stated he could not provide that.
Product: Credit card

While employed by XXXX I used a company credit card for company business. I am no longer employed by them and have not been since XXXX of 2016? Bank of America is calling me every day about the company debt. I have spoken with them on the phone and I have written to them explaining I am not responsible for this debt to no avail they continue to call at least once every day.
Product: Debt collection

Imagine my surprise when I received notice from XXXX that derogatory information was added to my credit report. I called National Recovery and it turned out to be a service that would dispute the derogatory information. Of course, the initial charge to do that was over {$250.00} initial payment and then XXXX XXXX monthly. 

I have never received any correspondence from these two agencies. And seriously doubt that the claims are valid. I have Medicare and Tricare ( XXXX XXXX  XXXX ), and never received an explanation of benefits ( EOB ) explaining the below charges. 

Collection Agency : National Recovery Original Crediton Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original amount owed : {$780.00} Date Assigned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Unpaid Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Original amount owed : {$1000.00} Date Assigned : XXXX XX/XX/year> XXXX XXXX XXXX XXXX Status : Unpaid
Product: Debt collection

The company is One Main Financial a sub prime lender of personal loans to customers who don't qualify at XXXX or XXXX. 

I reported that my District manager told me to ignore written company policies on contacting customers. XXXX XXXX told me to use the wrong call status code for customers who hung up on me. XXXX told me to use " no answer '' instead of " Call dropped ''. The difference is simple. With call dropped code you can not call the customer again as a Right XXXX contact is logged. By entering no answer we continue to call a customer who obviously didn't want to talk to us I reported this and other violations to XXXX XXXX XXXX weeks ago. Today I was terminated for absenteeism. This was retaliation and an attempt to get rid of their compliance issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY XXXX XXXX XXXX. IS A FRAUD AND XXXX   KNOWS IT. I HAVE REASONS TO BELIEVE ALL OTHER BUREAU HAS REMOVED THIS FRAUDULENT REPORT FROM MY CREDIT REPORT. WHY HASN'T XXXX. XXXX CREDIT REPORTING HAS NOT PROTECT MY CREDIT FILE BY ALLOWING INFORMATION TO BE HACKED WITH NO COMPENSATION OFFERED. I HAVE ASKED THIS COMPANY TO PROVIDE ME WITH A DETAIL LIST OF ITEMS I PURCHASED ALONG WITH MY SIGNATURE THAT REFLECTS I HAVE DID BUSINESS WITH THEM IN THE PAST. THE AMOUNT STATED I OWE IS {$320.00} FROM WHAT YEAR AND WHAT ORGANIZATION? XXXX XXXX XXXX, {$450.00} XXXX XXXX {$170.00}
Product: Debt collection

Portfolio recovery and this writer settled this account in the beginning of XX/XX/2018 however on the XX/XX/XXXX I received notification from them and credit reporting agency that there is a remaining balance. This account has been satisfied the collector received payment and is now reporting an entirely different amount owed on my credit report
Product: Debt collection

I had my identity compromised, LNVN collection agency would not hear me after I told them the debt was not mine. Filed an identity theft report with the police and FTC. They continued to call and harass me and threaten me. They called my job told my boss and coworkers about the debt that wasn't mine. Threatened my XXXX mother by phone that lives two hours from me. And have put a judgement on me and won't stop after I filed everything out for them to prove it wasn't my debt. I'm tired this has been going on for two years! I've had to change my number and my mothers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account placed for collections with a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX XXXX is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.
Product: Checking or savings account

My wallet was lost and was use to purchase fraudulent items that was not done by me. This is a very frustrating moment. And would like a more thorough investigation to be conducted because my card was lost. There was XXXX XXXX transactions in the amounts of {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information That is being reporting. Please remove this from credit report has it is not accurate. 
This is effecting my life having this on my credit report.
Product: Debt collection

I noticed this on my account from XXXX and called XXXX. I spoke with XXXX XXXX XXXX and XXXX XXXX from who is the Consumer Relations Manager at XXXX. 

I've requested the original signed contract from the original creditor, and they are threatening me with suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

Creditor : midland credit management Account : XXXX I am filing this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my effort to resolve this matter with the reporting agency, it remains unsolved. I am requesting immediate investigation and removal of these items due to it being incorrect and does not reflect my true and accurate credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an account on my file that is not mine. It is showing I am an authorized user on an account I do not recognize. I have never given anyone permission to put me as an authorized user on a XXXX XXXX. This needs to be removed immediately as I never signed anything with XXXX for this account and it is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX ph : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reporting a hand request a thorough investigation into these inaccuracies, as required by Federal Law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputes properly. Reinserting previously disputes and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last month after making payments on my account, The company goes in and makes a comment or removes a comment and my credit drops XXXX to XXXX Points. 
The account is closed and they are taking advantage of me my credit and the Negligent law with peoples credit reports. 
I called two weeks ago and they had to correct the issue now Im calling again because it dropped another XXXX points. I am in the middle of purchasing a home and this is very unacceptable.
Product: Money transfer, virtual currency, or money service

I created my PayPal account in the year XXXX and I'm doing an smooth transactions with my clients international with goods and services offered but last XX/XX/XXXX, PayPal management permanently banned my account without asking for any information what I've done wrong even though I complied all their legal agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience, XXXX XXXX, XXXX all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all experian, XXXX XXXX, and XXXX fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX and I dont have a middle name and my last name XXXX! So who is those other names and addresses??? I have a private mailbox!!!
Product: Debt collection

IRR, Inc .    XXXX   XXXX   XXXX   XXXX , NY  XXXX  Toll Free :  XXXX  Telephone :  XXXX  Fax :  XXXX  Email :  XXXX  XXXX  XXXX   XXXX  started calling my cell phone number several weeks ago to try to collect a debt from the person who must have had my number 4 years ago. They called several times a day from multiple numbers. If I called the numbers back it gave  me 2 options 1- I am  the person they are calling for  2- I am not the person they are calling for. When I selected 2 I was prompted to provide my collections account number- which I do not have because it is a wrong number. I was not able to talk to a real person or select an option to let someone know it was a wrong number. Sometimes I would even choose the 1st choice of being the person they w ere calling still could not get a person on the phone.   I even called the hospital that the debt was owed to. They gave me a number that was also automated and gave me the same choices. Because I called from my cell phone it would prompts me as if I was the person they were looking for. I looked up contact info online. I could not speak to a real person. Finally I called from another number this seemed to confuse the system and I finally got a   3rd choice wrong number.
4 years ago when i got this phone number the person in question used to get many calls. All the other debt collectors had a way I could let them know they ha  d an old phone number.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Active Foreclosure Court Case Since XXXX XXXX - XX/XX/XXXX : Divorce process. 

XX/XX/XXXX : I called the bank 's customer service to request information on how to lower the mortgage payment due to divorce and child support expenses, among others. 
From customer service the call was transferred to Loss Mitigation Department. 
XXXX XXXX from that department told me that I must skip 3 payments in order to qualify for Loss Mitigation. 

In XX/XX/XXXX I made the XX/XX/XXXX payment. 

From XX/XX/XXXX through XX/XX/XXXX I made many calls to the Loss Mitigation Department to get the Loss Mitigation Package and they did not send it to me until I contacted HUD and HUD intervened. 

XX/XX/XXXX : Contacted HUD due to difficulty receiving loss mitigation paperwork from the lender. 
Shortly after HUD intervention, lender sent the requested paperwork. 
XX/XX/XXXX : Qualified for a loan modification. Was not evaluated for other options, can see it on letter attached. 
XX/XX/XXXX- XX/XX/XXXX : Made trial payments for the loan modification. 
XX/XX/XXXX : Co-borrower did not sign the loan modification paperwork. 
XXXX did not offer alternatives or solutions and rejected my attempt to still make payments because they only accepted payments if I pay the past due in one payment. 

XXXX also limited the online payment options. 

XX/XX/XXXX : II sent a letter appealing the loan modification denial due to co-signer refusal. ( No response received ) XXXX Attempted to contact lender representative XXXX XXXX regarding loan modification or alternatives, but calls and messages were not returned. 

XX/XX/XXXX : Received two letters from the lender regarding missed communications on their end. Called the Loss Mitigation Department and denied the help unless the coborrower sign. 
XX/XX/XXXX : Responded via email to both letters from XX/XX/XXXX, clarifying I did not receive prior communication attempts and inquiring about the mentioned loss mitigation options. ( Email read -I used mailtracking- but not received response from loss mitigation representative ) Foreclosure filed XX/XX/XXXX without receiving the letter in compliance about the appeal I made on XX/XX/XXXX nor the letter that loss mitigation was over. 
XX/XX/XXXX : Received a HUD letter about options and FHA requiring the mortgagor review the situation. While in court conflict remediations the only thing the bank attorney and the representative XXXX said that the coborrower must sign or that I have to put the loan current. They only will review if the coborrower sign the loss mitigation application. 

Since then Firstbank lied to the court several times saying that I never requested Loss MItigation, never received an evaluation and that I never been in a Trial Payment Plan. 
However, the evidence they presented to the court in the form of a collection letter indicated that I was actively engaged in loss mitigation.
Product: Money transfer, virtual currency, or money service

i fell for a discord scam. which involved sending {$300.00} dollars usd to them for " verification. '' I stopped before they were able to take {$800.00} usd from me, but now they have my old discord account. their name on paypal was XXXX XXXX ( XXXX ), transaction ID XXXX. i tried to report that it was a problem through official channels, but XXXX XXXX sent it through the " friends and family '' option it closed on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of, charter XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft XXXX XXXX  # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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

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: Credit reporting

Ordered a report for a loan app on XXXX XXXX, have been billed since for monthly tracking report. I cancelled by calling XXXX number, rep tried to talk me into keeping the service AND adding other security services. XXXX now claims they have no record of my call. Very convenient. I want a refund for all the months they have billed me.
Product: Mortgage

Due to canceling my escrow account and bi weekly payments, Wells Fargo informed me that my mortgage has been adjusted to a lesser payment to reflect the changes. I already had fund with the bank to cover my XXXX mortgage payment short {$43.00}. The bank accepted the short payment and emailed me requesting the shortage of {$43.00}. A couple of days later I made an online payment to cover the shortage. Wells Fargo mishandled the payment and never apply it toward my XXXX mortgage payment it's been like 2 months and hundred emails and the issue has not been resolved to date. I'm requesting that my {$43.00} be applied toward my principal ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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