23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writitng to forrmally dispute the accuracy of the information reported on my credit report by XXXX, Experian, XXXX, and XXXX XXXX regarding Account # [ XXXX ]. 

I have no knowledge of this account and believe it to be inaccurately reported on my credit report. As such, I am formally requesting an investigation into this matter and the removal of this account from my consumer reports. 

Under the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate information about a consumer is a violation. Additionally, violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further support my claim that this account is in violation of my rights and tarnishing my creditworthiness. 

I request that the account # [ XXXX ] be thoroughly investigated, and if found to be inaccurately reported or in violation of any laws or regulations, be promptly removed from my consumer reports. 

Please conduct a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely,
Product: Debt collection

Received a phone message from Synchrony Bank concerning a debt on a Sam 's Credit Card. I called Sam 's member services and was transferred to a representative from Synchrony Bank. I explained to this person that I have never had a Sam 's Credit Card and that the debt was not mine. I answered a few Security questions and she asked if I had a relative with the same name. I indicated I had a XXXX year old son with the same name. She told me to tell him to call them. This was on or about XXXX XXXX, 2015. Thus far the phone calls have been incessant. I have received XXXX phone calls from this Company starting XXXX XXXX thru today XXXX XXXX. I have the exact times and dates of these calls if necessary. I want these calls to stop immediately and Synchrony Bank and/or Sam 's Club punished for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing to dispute the following inquiries and asking for their removal from my credit report. XXXX and XXXX are showing different XXXX XXXX said my payments XXXX a month and the account is charge off and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a check for a settlement. The check was a Capital One check. I had deposited this check in an ATM, and then followed up with Capital One that same night about when the funds would be available. The agent on the phone said that as it is a Capital One check that {$1000.00} would be immediately available, and then more amounts would become available as it was a rather large check. The agent had assured me that the {$1000.00} funds were available. The next morning I checked my account on the mobile app and Capital One had it showing that the full amount of the deposit was available. I then went spending as if that money was available. A few days later I went to buy some food and my card was declined. I called Capital One and they informed me that my account had been overdrafted and that the check I had deposited was put on " security '' and that is was my fault for not checking the balance each time I spent money, I went through XXXX managers and they all refused to understand my point of view. Ironically, they sent me the same check I had deposited in the mail a week later and told me nothing was wrong with it. The next day I went in the branch and closed my account after them smiling at me paying {$420.00} in fees.
Product: Debt collection

I've disputed this debt collector 's charge of 1., I never opened an account with this debt collector on XX/XX/2018, 2. I already have the original creditor XXXX on my credit report for the same amount. 3. This XXXX failed to validate ownership by bill of sale. This debt collector is placing false information on my creditor report. 
Account Details Last Reported XX/XX/2018 Collection Agency EOS CCA Original Creditor 10 XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA requirements
Product: Vehicle loan or lease

Purchased a used car ( 2 yrs old ) with down payment and monthly payments of {$230.00}. About halfway through the loan, I made a payment of {$3500.00} and was told I didn't have a payment due, at that point, for over a year - approximately 15 months. The month after I paid the {$3500.00} ( that I thought included payment of the financing charges and principle ) I started paying {$150.00} for the next 7 months then lesser amounts of about {$80.00} for the next 3 months. 

Here is the issue, for all of the payments I made of {$150.00} and {$80.00} during the months that no payment was due, the bank still deducted finance charges from those payments. As stated above, the {$3500.00} payment covered 15 months of all charges, yet I was still charged finance charges on the additional payments. 

My question is were those finance charges on the lesser payments legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021, I contacted Equifax & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX XXXX. I informed them & provided documents stating that this account needed to be removed as XXXX XXXX XXXX is committing several FCRA violations. Thus far, Equifax has refused to remove that account. At the same time that I contacted XXXX, I also contacted XXXX XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX XXXX via mail dated XX/XX/2021, that this account does not exist. Therefore Equifax immediately needs to delete / remove this fraudulent account from my consumer report within their database.
Product: Mortgage

Purchased home XXXX 2013 using XXXX, Coldwell Banker Mortgage and Coldwell Banker Title Co. One year later find out that they did my tax escrow at {$2400.00} when in fact my property tax are {$5500.00} per yr. I was told that for the next year my payment would go up {$400.00} per month and that for the next 28 years my payment would go up {$200.00} per month, a {$66000.00} mistake made by Coldwell Banker that I suffer for. I contacted Coldwell Banker to try to refi at the present interest rate which would of made my mortgage payment using the correct tax amount, with in {$20.00} of my true payment. They would not refi but told me to contact there mortgage modification. The modification dept. said they could not talk to me until I was 90days pass due. I stopped making payments and then contacted them again with no results. They would not redo my loan but could work my pass payments into a repayment plan along with my new tax problem. My payment then for the next 9 months would go up {$1000.00} per month. This company has destroyed my life, I now have bad credit, losing my home and for the XXXX time in my life have to file for bankruptcy. I am a XXXX XXXX XXXX Veteran and over the last year had problems and am at XXXX. The pressure of this problem with the mortgage company and all the problems it has caused in my life has not been good for my mental health. They have destroyed my life that I was at last putting together and moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a late payment in XXXX of XXXX and XXXX of XXXX showing as 30 days late, that payment was not 30days late and this needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing the account as a charge off, but it has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' TOWN OF HEMPSTEAD EM 15 LATE PAYMENTS Balance details 37 % paid off Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment Payment summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - PAYMENT HISTORY LEGEND Status At least 120 days or more than four payments past due Status updated XX/XX/XXXX Past due amount {$1500.00} Original balance {$3000.00} Monthly payment {$96.00} Additional info Responsibility Individual Account Terms 36 Months Company sold - Original creditor - Comments CUSTOMER UNABLE TO LOCATE CONSUMER FIXED RATE Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I have requested a copy of my auto lien release through SunTrust Bank, which merged with Truist in XXXX. The loan was paid off in its entirety in the summer of XXXX. I originally contacted Truist through the customer service line to request a copy for the lien release on XX/XX/XXXX and again on XX/XX/XXXX. Both of the Truist representatives informed me they would put in my request. I never heard back or received anything in the mail. I called again on XX/XX/XXXX and was informed by a Truist customer service representative that those requests failed to go through. The Truist representative recommended that I mail or fax my information to the Truist Closed Loans Department. However, the Truist representative would not provide a phone number nor an email. I sent faxes to the Truist Cloan Loan fax number provided to me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I called Truist ( again through the customer service hotline ) and the Truist representative informed me that they could not provide a phone number for Truist Closed Loans and claimed that none of the Truist Closed Loans staff have phones. The Truist representative could not confirm whether the faxes I sent made it to Truist Closed Loans, but informed me it would take XXXX weeks for Truist Closed Loans to process the claim. I have no confirmation that my faxed request ever made it to the Truist Closed Loans Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry My social security number has been compromised from the social security breach that occured in XXXX  access to the National Public Data Systems . 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Mortgage

I am very devastated with all the excuses SPS has used in order to prolong my loan and all the fraudulent actions that are being used against me to deny my loan for any assistance.This needs to stop! Our monthly income is {$3000.00} and my monthly expenses are for the amount of {$2500.00}, this includes my mortgage payment. I have a surplus of {$460.00} left at the end of the month. SPS has changed my income for their own advantage and to deny my loan.I have always provided my proof of income to SPS. However, SPS keeps forcing me to re-apply all the time. I am not working nor my husband and we only collect social security income and rental income. SPS has my rental lease and my Social security award letters for proof. However this seems to not be enough proof for SPS. My husband and I are elderly people and this is starting to affect our health. We just want to save our home and fighting our right as home owners. We did not want to do this but we are just tired and we are in desperate need of assistance. I am attaching proof of the last XXXX reviews done by SPS and you will see how my income has being changed for there own advantage. Please help us to stay in our house.
Product: Debt collection

LVNV FUNDING LLC CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To : The XXXX XXXX XXXX XXXX for LVNV FUNDING LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector filed a derogatory comment with XXXX and Equifax ( but not with XXXX  ) which I dispute. I logged into XXXX and filed my dispute which was very quickly resolved and the derogatory comment removed. But, I could not get logged into Equifax and could not speak with anyone on the phone until they mailed me an access code. When I finally received the code, I still could not log in, but was finally able to speak with someone on the phone. But they told me they did not see the derogatory comment in my file. I had just obtained a copy of their report thru XXXX XXXX and told them exactly where it was and that my credit score had decreased as a result. After lengthy time on the phone they finally agreed to file a dispute. It's been several weeks and hadn't received status so attempted to contact them again with the same results as my initial attempt!! I have no confidence they will get this resolved or even really try, they are just doing some bogus stall to get me to give up!. When I filed a complaint with them, they pulled a similar stall/obfuscation maneuver ....
Product: Checking or savings account

For about 5 years, I banked with Chase through the use of a college checking account. Under this account, I was able to overdraft my account without an overdraft charge as long as I deposited the amount I overused that day by XXXX XXXX. 

This was something I regularly did and avoided being charge as I made sure the money I overspent was in the account by XXXX XXXX  that very same day. I did this for years until my senior year ( XX/XX/XXXX-XX/XX/XXXX) when I began to notice that I was being held responsible for the overdraft fees even though I was honoring the XXXX XXXX ( PST ) deadline as I live in California. 

Whenever I would I try to inquiry why I was receiving these charges I was told that the money was not in the account by the appropriate deadline and was held responsible numerous times for the {$34.00} overdraft fee per transaction. 

Repeatedly, I would attempt to connect with someone who could identify why this was going on but chase would never provided me with further information. It was not until months later, that a supervisor I spoke with was able to identify that the system had changed my time zone from PST to EST. Which is why I was being held accountable for the overdraft fees even though I was honoring the terms of my college checking account. 

Chase refused to refund me the overdraft fees I paid for as this was taking place asides from the ones that had taken place the date the discrepancy was identified. 

I closed my account with Chase in early XX/XX/XXXX due to them constantly taking advantage of me. 

Just this XX/XX/XXXX, I received a check from Chase for {$100.00}. The letter the check came in vaguely explained that I was being refunded for being overcharged. When I called Chase to understand the exact terms of the refund they refused to provide me further information as I do not have an account with them. 

I am reaching out as I suspect that Chase owes me more than {$100.00} for being overcharged while banking with them and would like to attain more information regarding my concerns with the overdraft fees I paid for during this time.
Product: Credit reporting or other personal consumer reports

My personal information, social security, bank information, etc was compromised during a data breach by Equifax, Transunion, and Experian
Product: Credit card

To the CFPB : This is not a duplicate complaint. If you falsely mark my complaint as a duplicate one more time, I will file a complaint against your agency with the Office of Inspector General ( OIG ) and the Counsel of Inspectors General on Integrity and efficiency ( CIGIE ) TD Card Services never credited my account for the disputed transaction of XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. They claimed I authorized the charge, however I had provided them with documentation from my other bank that proves the merchant charged me twice for the same transaction. If TD does not credit the funds back to the account, I will be closing my credit card account with TD after XXXX years, after being a loyal customer of TDs for XXXX years now, and I will not pay the XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents upon doing so
Product: Credit reporting or other personal consumer reports

am a XXXX XXXX  who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the XXXX.