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

I have contacted the three bureaus regarding fraudulent accounts reporting on my credit, but still some items are remaining on my credit, I would like to pursue my complaints since I am not getting the results I need. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX 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

ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
Product: Credit reporting or other personal consumer reports

I recently applied for credit and was denied because of some recent inquiries found on my credit file that I did not authorize.
Product: Money transfer, virtual currency, or money service

I was contacted by a company claiming to be XXXX, which presented itself as a legitimate employer offering remote work. The job involved completing sets and reviewing albums and singles. I performed the tasks requested and communicated with the alleged representatives of XXXX throughout the process. 

After completing the work, I expected compensation as agreed, but I was never paid. When I reached out to the actual owner of XXXX to address the issue, they informed me that their company was being impersonated and had no involvement in the job offer or the tasks I completed. 

During this process, I was scammed out of a significant amount of moneyapproximately {$13000.00}. These funds were transferred through transactions that I now understand were part of the scam, as the fraudulent individuals convinced me to send money under false pretenses. 

I reported the fraud to my bank, Santander, and provided all the evidence I had, including communication with the scammers, details of the transactions, and proof of the alleged job tasks I completed. Despite this, my claim was denied due to " inconsistencies. '' However, I do not understand what inconsistencies the bank found, as I believe my documentation clearly demonstrates that I was scammed. 

This situation has caused me significant financial hardship, and I am seeking further clarity on why my claim was denied and what additional steps I can take to recover my lost funds. I have also reported this incident to law enforcement and would like assistance in resolving this matter.
Product: Credit card

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Product: Debt collection

I have reported this company calling my number to collect a debt not mine on separate occasions. I reported them on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I have no knowledge of the debt they are attempting to collect. Since I refuse to provide them with my personal information, they refuse rudely to give any information about the purpose of the call. I would like to believe that something legally can be done to stop them from calling my number repeatedly in a harassing manner. 

I would be willing to pursue any legal means that may be provided by your organization.
Product: Credit card or prepaid card

I applied to AMEX on XX/XX/21 and they denied my application within 30 seconds and set me a letter to my email of the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX Bank. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws. 

Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt. 

Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA. 

Additionally, I believe that XXXX XXXX  XXXX XXXX account has been charged off unfairly, and this violates the FCRA and TILA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA. 

Finally, I believe that XXXXXXXX XXXX XXXX account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA. 

Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights. 

Sincerely, XXXX XXXX
Product: Debt collection

Friendly Finance Corp XXXX XXXX XXXX XXXX has been suing me since XX/XX/XXXX thus having my wages garnished at least 20 times give or take. The original amount of the judgment was {$11000.00} I have paid {$17000.00}. On XX/XX/XXXX I was served another garnishment notice saying that the total amount due is {$49000.00}. There should be some type of statute of limitations on how long a company can keep taking you to court to have your wages garnished.
Product: Credit card

I believe the account is invalid. JPMCB CARD ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.JPMCB CARD XXXX
Product: Credit reporting or other personal consumer reports

I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

They are threatening me that I have to pay XXXX dollars that I do not owe for rent of an apartment that I do not rent and I also went to investigate at the address of XXXX  apartments and that company does not exist attached photos of the business there is called renew.
Product: Mortgage

I am a 100 % XXXX XXXX so I am exempted from paying property taxes my taxes went down from XXXX to XXXX but my monthly mortgage payments never decreased. In XXXX or XXXX of last year I switched homeowner insurance companies so it went down about XXXX so because I didnt send them my refund check from my previous insurance company they said thats the reason why my payments didnt go down. They also charged me a late fee for there error when they didnt receive my payment on time and placed it on my credit report an invention was done and they fixed my crud but didnt refund the late fees.
Product: Mortgage

Chase keeps charging me fees that are erroneous. l 've complained over 20 times to Chase about erroneous fees. In XX/XX/XXXX, I reported fees that are not explainable. They gave a partial refund. They explained the fees were for auditing purposes. However, Chase from XX/XX/XXXX to XX/XX/XXXX mismanaged my account and did not accurately report the balances of my account. I ordered Chase through the CFPB to make my account balance transparent and current. They then charged me an auditing fee. I complained. They refunded partial payment for the auditing payment but not the full fee. lf Chase is unable to do basic math and balance their accounting books, those costs must be incurred by Chase no matter how large or small. Although the fees are small they are repetitive and they add up and it takes time to get the refund.
Product: Credit card or prepaid card

XX/XX/XXXX received e-mail, stating that my credit card was closed due to improper use. To review this press the word review. I did and they ask for identification, social security number, picture of my driver license and my mother maiden name. The sight looked official, plus I use fingerprint I.D . to open my e-mail. So I then call the credit card company. Locked my card as suggested. Called my bank as suggested, they locked that account-said to be vigilant. Suggested to call Social security, they put an alert on my account, suggested I call local police. I did and they suggested to report the fraud to this sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I attempted to request the removal of my " credit freeze '' with Experian and was not able to due to incorrect pin. 

Therefore, I was directed on the website to send documents that verify my identity with a request to remove the freeze from my report. The site stated it would take 3 business days to remove. 

I sent the requested documents and information via 2-day priority on XXXX and confirmed their receipt on XX/XX/2020 at XXXX at their designated site. My package was signed by XXXX. 

As of today, my credit continues to show a " credit freeze '' and I am not able to apply for a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been battling with Transunion and XXXX about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention XXXX disputes with XXXX and 5 with Transunion. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX  on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.
Product: Mortgage

Had bi-weekly auto-pay set up, to pay half the mortgage amount. Went to cancel the auto-pay but you couldn't do it the evening before, which was a Sunday. Wells Fargo Home Mortgage was closed on Sundays. So, Wells Fargo Bank instructed me to call them first thing Monday Morning, which i did, to stop the payment and cancel the auto-pay all together. But Monday morning was to late to cancel the payment, so they instructed me to wait 24- 72 hrs for the payment to post, then they would issue a refund which would take 48 hrs, Five business days total. The following Monday I called to check on the statues of the refund. to be informed that I would receive the money Wednesday, which is seven business days. I called them several time, only to receive the run around ( extremely frustrating process ) They admitted error! They wouldn't tell me if it was system or user error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  company sent an official letter stating card ending in ( XXXX ) has been closed since XXXX. XXXX  and Experian shows a reporting of account is still open in the years ( XXXX & XXXX ) and still reporting actively. They have sent me a letter saying they made mistake and rep did not officially closed card down in XXXX when it was paid in full, and now its actively being reported. Please accept this letter from XXXX XXXX  that is attached in the complaint and resolve this credit reporting issue urgently! I am closing on a house in 2 weeks and this can not wait 60 days to resolve. Please give a detailed explanation as to why this can not be resolved with official letter provided by the company stating this is an error.
Product: Debt collection

XXXX XXXX Offices is acting as a debt collector for Lobel Financial. The vehicle in question was repossessed approximately 10 years ago. They have been garnishing my wages to collect a estimate amount of around XXXX. With my current employer they have garnished a total amount of XXXX. That doesnt include what they have garnished of the years. I contacted XXXX XXXX XXXX regarding this supposed debt and they stated that I owe them over XXXX. I explained that the original amount was closer to XXXX and I have been having my wages garnished sporadically of the last 10 years. They stated that although I have made payments the amount more than doubled due to interest and their fees. This is causing undo stress on myself and causing a financial burden. I have XXXX XXXXXXXX children to care for and they take close to XXXX monthly.
Product: Student loan

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Dept of Ed/Nenlet. Dept of Ed/Nenlet has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Dept of Ed/Nenlet. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Vehicle loan or lease

Roadrunner Financial , Inc. is acting ill will towards, I, the consumer. They are acting adverse towards I, the consumer, in fact natural person and original creditor. Please see exhibit A and B for proof of violation.

Pursuant to 15 USC 1605 ( f ) Credit is the right granted. A right. A right can not be denied because there is no such thing as denying rights to a consumer.

Additionally, they are in violation of 15 USC 1692c ( b ) and 15 usc 1691 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for Equifax, XXXX and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on Equifax website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.
Product: Credit reporting or other personal consumer reports

All the credit bureaus do nothing, check nothing, and could care less about my credit score. Why would they? Same goes for the CFPB! Waste of time and taxpayer money!!
Product: Credit reporting or other personal consumer reports

Why are there are late payments reported on the original account after it was transferred to another lender? As far as I see it, that would make the account inaccurately reported, right? This account shows that it was transferred, but why is there a past due reported on this account? This is a violation.
Product: Student loan

I went to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was unaware of some of the loans that I had until it came up on my credit report. I had a sub par education and never got hired in a decent job in the field of XXXX XXXX. I am not even in the field as I work in the XXXX XXXX field working with kids with XXXX. XXXX XXXX XXXX never explained all these loans and I felt pressured when they would rush me through signing some of the loans. I do not even remember signing for all of the loans. I make close minimum wage and can not afford these loans and the cost of living such as paying rent, electric, gas and other bills I have. XXXX XXXX XXXX XXXX, CA and XXXX XXXX, CA Campuses.
Product: Debt collection

This collection agency sent me an email about a debt that isnt even mine complete with dates and the responsible parties information. Includes the persons address and personal information, which is not me. How are they allowed to send an email when they dont even know if this is the responsible parties email address? In addition its a debt that is 8 years old. In the state of Michigan its 6 years. This account is from 2016.
Product: Debt collection

Lady from collections inc named XXXX has called me excessively, yelled at me, and is threatening me saying the papers to sue me on her desk she is turning in because I won't pay. I have asked multiple times for an itemized statement of debt or debts owed and she says she doesn't have access to that. I told her there is a statue of limitations on debts and that she has no right to speak and yell at me and to keep threatening me. I have been nice and she is wrong and violating my consumer rights and fair debt collection practice act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In EXPERIAN credit report I noticed that I have an account from XXXX XXXX XXXX XXXX ( opened : XXXX XXXX, 2021 ). Previously, I asked this company to provide me a proof that this collection amount belong to me, but they can't provide me nothing because this is not my debt! Also in other credit report company I don't have this FAKE ACCOUNT : XXXX and XXXX. If EXPERIAN can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit, I am single mum and even have a huge problem to rent apartment with that FAKE COLLECTION.
Product: Debt collection

Keep getting recorded messages about collectors a debt but would not say what kind of debt I have attached a recording transcript also I'm requesting that they validate the debt also must provide proof that I signed a contract with them. At this time im requesting by law that they cease and dests all calls and contact no letter was sent I'm assuming it's a scam at this point but by law they must provide proof and validation and that I signed the original contract with that company
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX