23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented a car from XXXX that had a problem and I was XXXX I would not be charged. 
I was charged and asked XXXX XXXX to investigate and deny charge. They denied the charge. Several months later I received a collection letter from Viking Client Services. 
On XX/XX/2021 I wrote Viking a letter and offered to settle the {$77.00} debt for {$90.00}. On the back of the check I wrote " I full satisfaction of account number XXXX ''. Viking cashed check. Next I received a demand letter for {$77.00} from Viking. I called them to let them know that the debt was settled. Ms. XXXX XXXX informed me that " anybody can write a letter '' that doesn't change the debt and settlement offer have to come from them. 

Viking is clearly operating outside of the law. I sent a written settlement offer that they accepted. They could have rejected the offer and returned or destroyed the check. Further, it can be argued that by putting their " For Deposit " stamp over my " In full satisfaction stamp.. '' they fraudulently alter the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I was ripped off by a company claiming that they were going to help me fix my credit by settling my credit cards with 4 credits cards. I owed XXXX XXXX {$1500.00} ; XXXX XXXX {$1800.00} ; XXXX {$760.00} and XXXX XXXX XXXX {$1900.00}. I paid the com [ any {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. The company charge me {$1100.00} in fees, never negotiated any settlements and refunded me only {$560.00} when I met with an attorney and cancelled this service after realizing it was a hoax.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX FIN Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is incorrect including my name and a social security number that does not belong to me.
Product: Debt collection

Debt recovery solutions is attempting to collect a a debt in the amount of {$260.00} that I do not owe because I had insurance through the state ( XXXX ) which covered 100 % of my medical expenses which i will prove by attaching a copy of my medical Insurance card. I have repeatedly tried to tell the companies this but " XXXX XXXX '' merely sold this debt to " debt recovery solutions '' in an attempt to dodge my efforts to have this item removed from my credit report. It is damaging my credit.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXXXXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. XXXX  dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX L XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Debt collection

I am writing to express my profound frustration and annoyance concerning the sudden appearance of a multitude of unauthorized accounts on my credit report. This egregious error has arisen from fraudulent activity, and I demand an immediate and thorough investigation to rectify this situation promptly. 
XXXX XXXX XXXX  PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
I recently discovered a multitude of unauthorized accounts on my credit report, and I am appalled at the lack of oversight that has allowed these fraudulent entries to tarnish my credit history. This fraudulent activity has the potential to wreak havoc on my financial standing, and I insist on immediate action to rectify this grave error. I demand an urgent investigation into the origin of these unauthorized accounts and their immediate removal from my credit report. Immediately delete all unauthorized accounts listed in the attached document from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint again Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and providers consumers with the necessary proof of investigation. The accounts I have marked as inaccurate are XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute unauthorized hard inquiries on my ( XXXX, XXXX, and XXXX ) credit report. My most recent credit report shows ( 6 ) inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit and causing undue distress.

According to the Fair Credit Reporting Act, 15 USC 1602p, " unauthorized use '' refers to the use of a credit card by someone other than the cardholder, without the cardholder 's permission or benefit. As I did not authorize these inquiries or benefit from them in any way, I am requesting that you promptly remove them from my credit report in compliance with the FCRA.

Please let me know if you require any additional information to process my dispute. I look forward to the swift removal of these unauthorized inquiries.

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

On XXXX I sent XXXX XXXX XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise. Also, reporting certificate of indebtedness on my report. which is considered income which can not be reported!
Product: Student loan

LOAN TO LEARN ACCOUNT IS NOW IN COLLECTION WITH XXXX XXXX IN XXXX VA. I CURRENTLY HAVE A PAYMENT PLAN WITH THEM, AND HAVE BEEN PAYING ON TIME MONTHLY. SINCE THE LOAN IS NOW IN COLLECTIONS, AND IS NO LONGER WITH LOAN TO LEARN, THIS INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX SHOULD BE REPORTING MY PAYMENTS SINCE MY ACCOUNT IS NOW WITH THEM.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see an unauthorized inquiry on my credit report with no explanation. Despite refreshing my browser, the issue persisted. I am demanding an immediate review of the documents I provided to resolve this issue and ease my growing frustration.
Product: Debt collection

Capital one bank sent in a XXXX day delinquency on my closed acct. Never was notified that there was a balance & was still pending? This was billed to my credit acct. From XXXX to Capital one which I never authorized. I closed acct. because I caught this error last year that there were charges I never signed up for, then I spoke to an agent with Capital one and was informed that it was being removed and closed in XXXX of XXXX ' yet this happens? Capital one will send in cleated or paid off, but fact bureaus will see it as a debt paid but still mark is on record for something I had no part of? Furthermore, my exceptional score is damaged to good from a XXXX to XXXX? Not acceptable " I have been never late '' thru over XXXX plus years & they do this to me? I am livid '' Need to be revised I should not have to carry this for 7 years '' (? If you check my acct. You will see closed XXXX balance then next month a XXXX $ balance how's that possible on a closed acct.?
Product: Mortgage

I found out from my other mortgage company that my mortgage loan was being transferred to Mr. Cooper in XXXX, TX. After reading the reviews of Mr. Cooper, I found out Mr. Cooper was in a law sue, and had to pay money back to its clients, people who were transferred to Mr. Cooper like I was. First of all, I don't agree that mortgage companies have the freedom to do whatever they want with my mortgage, and transfer it any time they feel like. Next, since the transfer started XX/XX/XXXX, without any notice from my previous mortgage company, I have yet able to talk to a person at Mr. Cooper. I have to listen to AI, and AI doesn't allow me to ask questions, nor be transferred to a live person. I'm not able to make a payment, and today is Thursday, XX/XX/year>. Every time I try to enter my last name, and my SSA number it comes back incorrect, and it doesn't allow me to continue with making the payment. I believe there is an error made either with my last name or my SSA number that has impeded me from continuing making my payment online. I wouldn't misspelled my name or write the wrong SSA #. I've tried to contact customer service, to no avail. I get AI or the chat instead. In the chat while typing my concern, it doesn't go through, and it keeps asking to repeat and enter my concern. 
Lastly, if I am not able to pay my mortgage by XX/XX/XXXX, I WILL NOT PAY A LATE FEE NOR IT WILL BE REPORTED AS A LATE PAYMENT. 
NO WONDER MR. COOPER WAS INVOLVED IN A LAW XXXX. I WANT OUT OF THIS COMPANY ASAP!
Product: Mortgage

Taxes and XXXX Insurance are held in escrow by Santander Bank. I had questions about the tax disbursements, specifically item XXXX for Mobile Homes and Utilities. I live in a condominium. Instead of answering the questions about the taxes, the Bank simply omitted payment of homeowner 's insurance.

The Declaration Renewal was sent to the bank as usual on XX/XX/2020. I assumed the delay in payment was because of the Pandemic. XXXX XXXX XXXX began informing me in XX/XX/2020 that payment was due in the amount of {$600.00} and suggested I pay a small portion in order to keep coverage. I did not agree and continued to call, email and write to Santander Bank with no resolution.

Is it possible that Santander can simply not pay the insurance without written notice to me or the insurance company?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an incorrect balance and late payment report by Midland Mortgage, which has adversely affected my credit report. 

On XX/XX/year>, Midland Mortgage reported a balance of {$2600.00} on my mortgage account, which was incorrect. The actual amount owed was {$1900.00}, my regular mortgage payment. This discrepancy resulted from Midland Mortgages inadequate distribution of my funds, leading to an inflated balance.

Despite my efforts to resolve this issue, Midland Mortgage did not provide an option to pay the correct amount of {$1900.00} online. The only option available was to pay the incorrect amount of {$2600.00}, which was beyond my budget at the time. 

To address this, I utilized XXXX through my bank, XXXX. Unfortunately, this process took longer than expected, and Midland Mortgage did not receive my payment before XX/XX/XXXX. Consequently, Midland Mortgage reported my account to XXXX with the incorrect balance and a late payment for XX/XX/year>, which has negatively impacted my credit report and score. 

As of XX/XX/year>, my account was current. Currently, I am approved for PAHAF, and my account is even beyond current. I do not owe anything until XX/XX/year>. 

Midland Mortgage did not report this so-called late payment until today, and I believe it is a retaliatory attempt to intimidate me after I submitted an initial CFPB claim about them yesterday. 

This situation has caused significant distress and financial inconvenience. I request the CFPB to investigate this matter and ensure that Midland Mortgage removes the incorrect late payment report for XX/XX/year>. Additionally, I urge the CFPB to ensure that my account status is updated with XXXX to remove the negative impact on my credit report resulting from this error.
Product: Credit reporting or other personal consumer reports

My name address and personal information is not correct at all. I have also been notified that my credit report has been accessed by illinois dept of unemployment security and someone has filed unemployment under my social since during covid. Last payment was paid out in 2019. I have not filed unemployment in the state of Illinois at any time at all.
Product: Credit card or prepaid card

Capital One sent me an offer on a credit card on the premise that I spend {$500.00} in XXXX days I will get {$200.00} in return. After the XXXX days I had completed the terms I called because I hadn't received the {$200.00} bonus as promised the representative said I didn't qualify for the promotion. I asked her what was the reason. Give me an example of what happened was my XXXX XXXX too low did I not spend the money Etc. Her answer to me was she didn't know why she couldn't give me the reason the exact reason. So the representative put me in touch with a XXXX  I assume. I receive an email couple days later stating it had been resolved and I didn't qualify. Still no exact reason. This is the second time this bait and switch. Credit card promotion that Capital One has fooled me with before. I took out a credit card before this one that I'm complaining about and it had the same features on it spend the money get the bonus. Well lo and behold I didn't get that bonus either. So I feel as if they just wanted me to get that card so that they could get me to take out another credit card on false pretense of a cash bonus they have no intention of paying. I would like to know specifically why I didn't qualify for the offer that they themselves solicited me for. They sent me the offer I didn't go to them. My XXXX XXXX is over XXXX I can have any credit card I want the only reason why I wanted this Capital card was for the bonus reward of {$200.00} that they didn't give me and they have no excuses or reasons why it wasn't given to me. This is a big corporate bait and switch offer that is tricking people every day. I read the terms and service on the offer they sent. because they didn't give me the {$200.00} on the first credit card. So this time I wanted to make sure that I would receive the money if I went through and spent the {$500.00} in the XXXX  days. This is unacceptable that credit card companies like this get away with cheating people. I thank you for your help I just want to call these people out on it and if you can find out the reason. I would love to know! thank you guys so much I appreciate you and all you do.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

XXXX XXXX XXXX. CO. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) Transunion made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Product: Checking or savings account

On XX/XX/, my husband who is also an account holder on this checking/saving account tried to use his debit card to pay for a work related purchase near where we live His card declined, so he checked the balance on our Wells Fargo app and noticed several charges in XXXX, XXXX XXXX  , XXXX XXXX  XXXX , and on other websites. He called me as he was needing XXXX XXXX  for work and could not stay on a long call with the bank at that exact moment. I called Wells Fargo to report the fraud and cancel my husband 's card. There were 22 charges, totaling that drained our account. A claim was opened and my husband was also able to call in to validate some information with the bank that was requested. This was all done and the card cancelled within just a couple of hours of the charges occurring. 

I called to check today, XX/XX/XXXX on the progress and was told that {$530.00} and some change of those charges were not fraud as the pin was used and we must have given it to someone. The bank would not tell me how they concluded this as the charges were out of state and during the same timeframe. They offered only to send a letter explaining and told me to file a police report but that Wells Fargo was done with the matter. 

I would like my {$530.00} back as these charges are fraudulent and were unauthorized and my bank did a poor job or stopping any of this activity or notifying me of anything occuring. I do not believe this is an appropriate solution. I will be filing a local police report as well.
Product: Money transfer, virtual currency, or money service

This is my second complaint. My first one was XXXX I have my account under review since more than 3 weeks! I sent all the documents and information and I started operating and I've sent XXXX euros and after operating for the first time they blocked my account with my money freezing. I cant operate, I cant withdraw my money. Its unacceptable. 
When it was my first CFPB complaint was completed they unblock my account and gave me XXXX for the inconveniences. 
8 hours later they blocked my account again. I couldn't believe. 
Please I only need my money back. 
I opened a lot of incidences directly with the company : XXXX XXXX XXXX XXXX XXXX They closed the incidences without any solution. 
I'm desperate. I'm very disappointed with this company.