23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, In 2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " Mr. XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in XXXX to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX XXXX  actions, agreed to close the account, and to contact XXXX XXXX, Equifax, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the three bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX XXXX addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a XXXX XXXX who supports XXXX children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX
Product: Mortgage

In XXXX we applied for and received a governmentmodification through our mortgage company XXXX. 
In XXXX of XXXX our mortgage transferred to NationstarMortgage. During this time we paid our mortgage ontime each month for the amount listed on our statement. 
In XXXX of XXXX I was informed by Nationstar that ourmortgage would be going up very significantly becauseour previous mortgage company XXXX had been lettingour escrow account go into a negative state of over XXXX said we would need to repay all the money and wantedus to repay in a short period of time with extremely largepayments. I told them I could not pay that amount andwould end up losing my house. After several phone callsand begging they agreed to let us stretch out the repayment. 
Our mortgage is now over {$600.00} more per month. 
I asked for an explanation on how something like this couldhappen and asked several times to speak to a supervisorand was never able to. I even sent a certified letter toNationstar and never received an answer. I asked for ourPMI to be removed to help lower our payment but becauseof the negative escrow amount they said they consider ourloan to be delinquent and until it is all paid back we will notbe able to get rid of our PMI. I said to them our paymenthistory should be considered and that it was n't my fault thatthe previous mortgage company let this happened. I askedwhy it took so long for them to figure it out as I had made 9months of payments to them at the lower amount. They saidthey had done an escrow review and discovered the issue. 
I learned of the increase by calling to pay my mortgage theynever even sent me a letter to explain or show whathappened.
Product: Debt collection

I have attempted to get proof that an account that was sold to Portfolio Recovery Associates actually belonged to me, and that the amount showing as outstanding is correct. I disputed this with the company via all three credit bureaus, and also on phone calls dating back multiple years. 

I just received a lawsuit from them where my address is incorrect, and pages where they are proving the debt are missing and incomplete. The affidavit is signed by someone at the company, and includes inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I mailed out disputes to XXXX, XXXX and equifax in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I receivedXX/XX/XXXX was a generic letter telling me to contact the creditor from equifax, XXXX removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BELIEVE THE CREDIT REPORTS ARE SHOWING MY " FBN '' AS HAVING A SOCIAL SECURITY NUMBER AND PERSONAL CREDIT. THIS MAKES ME LOOK LIKE A UNAUTHORIZED PERSON WHEN I USE MY SOCIAL AND MY NAME TOGETHER ON ANY APPLICATION. 

I HAVE BEEN DENIED OPPORTUNITIES AND SUFFERED DAMAGES. 

I HAVE YET TO SEE ANY ORIGINAL INSTRUMENTS IN THERE ORIGINAL FORM THAT WOULD QUALIFY AS FACT OR EVIDENCE. 

I HAVE NOT RECEIVED A NOTICE OR BEEN SHOWN ANY PROOF OF ANY RULES BEING ENFORCED. 

I HAVE REQUESTED MY CREDIT REPORTS AND BEEN DENIED ON LINE A FEW MOMENTS AGO TAKING PICTURES OF THE SCREEN AND PRINTING ERROR MESSAGES. 

PLEASE HELP! 

THANK YOU,
Product: Checking or savings account

I want to file a complaint against Navy federal credit union in regards to multiple overdraft fees i accumulated! Despite funds being sufficient when i made the purchases. I was charged fees due to late posting of charges and credits. This claim aligns with recent cfpb findings against Navy Federal for similar cases where transactions settled with insufficient balances despite money being available initially! I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting

Experian received my dispute which included a dispute for an unverified account ( US BANKRUPTCY COURT account number XXXX ) and multiple inquiries which I did not authorize. The company has failed to acknowledge my dispute for the inquiries to be removed as well as for the 3rd time has extended their dispute date for the public record which has now been pushed to XX/XX/XXXX. I am not sure why they are asking for " me '' to wait for them to verify information for an account they should have already verified. I am also not sure why I have to be punished for inquiries that I did not authorize. I am asking them to delete this public record immediately as well as the multiple inquires that I sent to them via certified mail on XX/XX/2017. This public record and these unauthorized inquiries are negatively affecting me and causing me a hardship when attempting to obtain credit.
Product: Checking or savings account

I authorized a minimum payment of {$50.00} something dollars from my bank account to one of my credit cards. The next day I realized the credit card company had charged the full amount which was over {$4000.00} and not the original amount I had authorized. I tried to confirm them but they said the payment had already been processed and I should fix it with my bank. So I opened a claim with my bank and provided all the necessary details. My bank declined and closed the claim. I still got charged for that amount of {$4000.00} but even though they didnt give credit back to my checking account, the money was also taken back from my credit card and did not go through as well. Therefore now I feel that my bank has stolen money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and can you please review the information on my experian report. I never file Bankruptcy and you guys are poping up on my experian report. If I file bankruptcy why isn't the BK ON MY XXXX AND XXXX? TO WHOM MAY READ MY COMPLIANT PLEASE LOOK AT MY XXXX AND XXXX I HAVE NO BANKRUPTCY AT ALL CAN YOU PLEASE HELP ME.
Product: Credit card or prepaid card

My bill is due on roughly the 5th of every month. In XXXX, I made a payment on the XXXX and another one on the XXXX. The one on the XXXX was for the amount due on XX/XX/XXXX, and the one on the XXXX, made after the previous bill was due, would then be for the amount due in XXXX. Best Buy applied both of these payments to the bill due on XX/XX/XXXX, and then charged a late fee, and potentially interest on the " unpaid '' amount that was due on XX/XX/XXXX. I have called them, and spoke with a rep named XXXX, and they can not assure me that the late fee would be waived, and have said that they can not apply the payment from the XXXX to the bill due on XX/XX/XXXX. I have made payments on time every month, including for the one due XX/XX/XXXX, and I believe that this business has not acted ethically even though I have upheld my responsibility every month. Additionally, they have said that this could affect my credit score, which seems completely unethical considering they've received their payment already. Additionally, I have paid more than the amount due each month. This business needs to be held accountable so they are not allowed to do this to other customers as well.
Product: Money transfer, virtual currency, or money service

Transaction date- XX/XX/year> XXXX XXXX XXXX XXXX Unintended recipient-XXXX XXXX XXXX I am writing to file a formal complaint against Wells Fargo Bank regarding an unauthorized transaction that occurred on XXXX XXXX. 
I intended to send {$200.00} using XXXX to the recipient listed above. Unfortunately I mistakenly entered the incorrect phone number which resulted in funds being sent to an unauthorized recipient. 
I immediately after realizing the error, I contacted Wells Fargo to alert them and to request a reversal of the transaction,. However, I was informed that they can not reverse the transaction in my request for assistance has been denied. 
Im seeking your assistance in resolving this matter and obtaining a refund of {$200.00} that was sent to the incorrect recipient. I believe my bank has not taken the appropriate action to rectify the situation and I would appreciate your guidance and help on how to proceed thank you for your attention to this matter and I look forward to your prompt response sincerely, XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters contacted me with a dunning notice, attempting to collect a debt that I never contracted or agreed to pay. They began reporting negative and defamatory information on my credit reports in XXXX of XXXXI sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship. Reflects the consumer 's performance and other conduct with respect to the account or other relationship. Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished. Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report. Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

TSI has been calling me for collections regarding an Auto Insurance Policy with XXXX of Michigan from 2012. I explained that this is not possible and that the policy would have been under my husband who has gone thru Bankruptcy and would have had this discharged. I also explained that this debt was for a [ policy from 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF EDXXXX XXXXXX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting information on XXXX XXXXXXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Product: Credit card or prepaid card

I have been a Target red card member since XXXX. I have never maxed out the card or been late and i always over pay my bill. I have submitted credit limit increases in the past most recently in XXXX. The representative stated that the review would happen around XX/XX/XXXX. I called back XX/XX/XXXX and the rep told me that the increase had taken to place and to wait for the letter in the mail. I called back XX/XX/XXXX and they are stating that it wasnt true and the increase didnt happen Im overly frustrated at this point and fear that this is discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XX/XX/2022 XXXXXXXX XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

I called PHH mortgage today at XXXX CST by dialing XXXX. I was routed to an individual in the insurance department. She answered my questions regarding an escrow balance which she answered just fine. A couple of minutes after I hung up the phone, I received a call back from her. I immediately recognized her voice. She said that she was calling from the PHH insurance department, asked to verify my address and last four digits of my social, which I provided. As soon as I had done that, she hung up. 

This struck me as odd. The call disconnected right after I provided personal info. I tried calling her back at the same number she called me from ( XXXX ) and it turned out that the number is not functional. I googled that number and it seems that phone number is associated with an identity theft ring. 

I am concerned that a PHH employee is utilizing firm resources to gain access to clients ' info. I am concerned that my information was just compromised. 

I would like for someone at PHH to pull my call, research this situation, and get back to me ASAP with a resolution. 

I called PHH twice and asked to speak to a supervisor. On both occasions, my call was disconnected after a long wait. Im concerned that PHH has weak controls and is not concerned with protecting my personal info.
Product: Student loan

In XXXX my daughter who was attending the XXXX XXXX XXXX took out a Sallie Mae loan for {$11000.00} that I co-signed. Long story but I think she was XXXX class short of graduating. She is XXXX for XXXX XXXX and not making her payments of {$170.00} per month. This is causing me great financial hardship. I am wondering what recourse I have. Even if it involves legal action against my daughter. I just want to know my options and I think that Sallie Mae is the XXXXXXXX XXXX spawn. I do n't trust anything they tell me. They just throw you into a loop of lies and telephone holds. Hence, I am asking you.
Product: Credit reporting or other personal consumer reports

XXXX Disputed amount of {$300000.00} The undersigned Affiant, XXXX XXXX XXXX hereinafter, Affiant does solemnly swear, declare, and state as follows : The XXXX XXXX XXXX the amount of {$100000.00} account ( XXXX ) and the amount of {$92000.00} for the following acc ( XXXX ) which brings the combined face value of the amount {$200000.00} That was successfully delivered to XXXX XXXX XX/XX/2023 along with additional {$100000.00} by Registered mail Number ( # XXXX XXXX XXXX ) ( XXXX XX/XX/2023 ) - ( XXXX XXXX XXXX ) And an additional amount of {$100000.00} with clear written instructions to deposit in XXXX XXXX treasury direct Account. The affiant XXXX XXXX accounts were never credited, and these securities were never returned to the sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom mortgage violate my right to privacy. I never gave them the right to publicize anything about my payment they violated code.15 usc 6802b also they never gave me the option to opt out of them release of my information. Secondly, they per long my hardship further when they send somebody to break into my home to do damage to my property. thirdly, there was never supposed to make a report while I have my application of forbearance and review, and they keep telling me to redo, redo my application.
Product: Debt collection

Company named Accelerated Financial Solutions , LLC have been calling me and members of my family stating that they need to deliver court appearance papers to me for a debt I owe- a payday loan. Have never applied for a payday loan and they were trying to confirm sensitive information such as my social security and telephone number. They also lied and stated that my bank confirmed the amount of the loan was transferred to my account. No record of that deposit is on my account.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Capital One closed my credit card and they are unable to give me any information except it " could be '' a past account where I was an authorized user. She gave me the last 4 digits of that account, but I am NOT an authorized user on any capital one account. She could not give me any further information. I have had my capital one card for over 10 years and have never had any issues. I have never been late on a payment of any kind, ever in my life. My fico is currently XXXX. I have credit back to XXXX, mortgage history back to XXXX, less than {$6000.00} in open revolving debt. I have been a mortgage underwriter for over 20 years with a large financial institution. My current XXXX is XXXX %. I pay my card off monthly as I am very educated about credit as I HAVE TO BE for my career. I know all about credit, lending, loans, fraud, suspicious activity, etc. I am at a complete loss as to why this card was closed. I am not even aware of an authorized user account with my name on it, yet my individual credit card has been closed because of it. And if I am an unknown an authorized user on a credit card, I would suggest they look into that because I am not aware of it, which is fraud. Also, authorized users are not responsible for the actual debt as stated in the terms and conditions of the credit card agreement.
Product: Debt collection

I XXXX my job during the global financial XXXX  between XX/XX/XXXX-XX/XX/XXXX and as a result could not keep up with my bills. I was summoned to court in XX/XX/XXXX for credit card bill which accumulated interest, penalties and other fees totaling {$10000.00}. Nine ( 9 ) years later after the fact I received a couple of threatening letters letter from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX at my work place threatening to sue me of my property and more court action against me if I do not pay the debt. The case was again brought to court on XX/XX/XXXX and after the hearing the judge issue a verdict in my favor that the case is closed and no discovery is allowed. Please see the attached verdict. 
Two ( 2 ) years later after the verdict I have again received a letter on XX/XX/XXXX from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX harassing me to sue me in court if I do not pay the debt incurred in XX/XX/XXXX even though the case is closed and no discovery is allowed.