23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never paid on this account XXXX / Calvary. The negative information on the account is more than seven years old. I live in Georgia so the negative information is six years. Cavalry has reported the debt as XXXX XX/XX/XXXX. I did not open this account in XXXX. Cavalry is reporting this account as it is open, too.
Product: Mortgage

Wells Fargo lied and unclear about them paying the insurance. 

I received an email from XXXX ( XXXX ) on XX/XX/XXXX. I complained to Wells Fargo a few days later. I spoke with XXXX ( ext XXXX ). XXXX told me that she will get back to me after find the issue. She called me back on XXXX said the mortgaged was paid correctly on XX/XX/XXXX. I asked for a confirmation number to make sure it was paid. She said she will send it to me via my email. I have not received any emails from XXXX so I call her back on XX/XX/XXXX. She said it is paid and nothing else can be provided. I called XXXX and talked to XXXX who was very helpful and he called Wells Fargo for me and find out that there is an issue with the check sent from Wells Fargo on XXXX. He said Wells Fargo agent told him that another check was sent later XX/XX/XXXX which is still pending to clear. 

I need Wells Fargo to improve their awful customer service. Also, their messaging system won't even let me see old messages. Wells Fargo should fix this ASAP and shame on them for the terrible service.
Product: Debt collection

I periodically check my credit report and found company, Southwest recovery Services, has applied a debt to my credit file back in XXXX XXXX. I 've called the company on several occasions asking for documentation to no avail. We are almost 11 months into the year and they have yet to certify that the account belongs to be. Neither of the 3 credit reporting agencies were any help. Even when I dispute this information, nothing has been mailed, emailed nor called to confirm this. I 'm out of options and really need assistance as my credit is my life and worked very hard to keep it above XXXX. They are trying to collect amount of {$1000.00}, in which I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXX XXXX XXXXXXXX NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB - I am resubmitting my complaint against XXXX XXXX XXXX. Please refer to closed complaint XXXX for additional history. XXXXXXXX XXXX has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, XXXX transmitted an update to Transunion that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why XXXX refuses to update my Transunion from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates XXXX just recently updating my account status. This event update contradicts what XXXX Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that XXXX must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. XXXX 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with XXXX, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about XXXX.
Product: Debt collection

These companies were pursued in my name without my consent, and they are now on my report as a result of identity theft, I have contacted creditors and bureaus and received no resolve..
Product: Debt collection

I spoke with the company who had this debt before, XXXX   and asked them what this debt for back in XX/XX/XXXX. The customer service agent told me the debt was for an account I had signed up for back in XX/XX/XXXX. The customer service agent stated the account was started inside an office and then I informed them the company who says I have the debt was not in the state in which I lived. And there would be no reason for me for me to go to another state to get an account. The customer service agent informed me to write a letter stating I was not aware of the debt and it did not belong to me. Before I could get the letter in, they had switch the debt collection company and I've haven't had the chance to speak with the new company XXXX  XXXX/Resurgent. No agency has yet to verified that the debt belongs to me.
Product: Credit card

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts.
Product: Credit reporting or other personal consumer reports

Please see attached. 

I was reported as a missed payment when laws were in place for student loans to be on hold during the pandemic.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/year> I filed a complained with XXXX XXXX XXXX about a Fraud check and zelle transaction made from my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transaction.
Product: Debt collection

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. 

As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Debt collection

As i told the mentioned company westlake finacial my identity was stolen a police report was made and sent to the company a ftc report was made and it is still on my credit report this auto loan was not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED MY INITIAL DISPUTE WELL OVER 30 DAYS AGO. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS. 

FRAUDULENT ADDRESSES : XXXX XXXX XXXX. COLORADO XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX XXXX XXXX Account Number : XXXX, Account XXXX XXXX XXXX Appliances XXXX Account Number : XXXX, Account XXXX XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX Account Number : XXXX, FRAUDULENT NAMES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT CURRENT OR FORMER EMPLOYER ( S ) : GOING XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against Chase regarding the inaccurate reporting of a late payment on my credit report, which has caused significant damage to my credit score and created extreme financial hardship. 

I have maintained an exemplary credit history with no previous late payments. However, due to a serious medical emergency, I was hospitalized for a XXXX XXXX and was unable to make my payment on time. The payment was only one day late, but it was reported as 30 days late, which is inaccurate and unjust. 

As soon as I was healthy enough to manage my finances, I made the payment immediately and contacted a Chase representative. I was assured that the late payment would not be reported to the credit bureaus. Despite this assurance, the late payment was reported, resulting in a dramatic drop in my credit scorefrom the XXXX to the low XXXX. 

I have made multiple attempts to resolve this issue, including escalating it to higher levels of customer service, but Chase has refused to remove the late payment from my credit report. I have disputed the issue four times, but the late payment remains, continuing to negatively impact my credit. 

This error has caused me significant emotional and financial distress, as my otherwise perfect credit history has been marred by this one-day delay. Given the extenuating medical circumstances and my history of responsible credit management, I am requesting the removal of this late payment from my credit report. 

I believe the actions taken by Chase are predatory, as they have caused undue harm to my financial stability despite my history of on-time payments. I respectfully request the assistance of the Consumer Financial Protection Bureau ( CFPB ) to help resolve this issue and ensure the removal of the late payment from my credit report. 

Additionally, I have been advised to reduce my credit card balances to improve my credit score, and I intend to follow that advice by paying down my cards with high limits and XXXX balances. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Debt collection

This company has been calling my cell phone consistently since the end of XXXX. Sometimes there are four phone calls in one day. Because of the amount of calls received and no messages ever left I called the number back on XX/XX/XXXX. At that time the person said they were trying to collect a debt and sending written notices to an address I haven't lived at in over five years. I told the person the debt was not mine. I also had informed them that I had filed bankruptcy in XX/XX/XXXX and any debtors I was aware of at that time were included in my bankruptcy. I told them they were to immediately stop contacting me, there should not be anything placed on my credit report since the debt is over two THOUSAND days old and again reiterated that the debt is not mine. The male agent threatened me with legal action and at that point I hung up. The calls have continued at an increasing rate since then and they are becoming annoying and harassing. 

PLEASE NOTE THAT THE ADDRESS I'VE PROVIDED IS NOT THE SAME ADDRESS THIS COMPANY HAS ON FILE FOR ME. THEY HAVE AN ADDRESS FROM 2013 AND I DONT WANT THEM HAVING MY CURRENT ADDRESS. ALSO, SINCE THEY CLAIM THIS IS A XXXX   XXXX DEBT THEY SHOULD NOT HAVE MY SOCIAL SECURITY NUMBER WHICH IS WHY I'VE NOT PROVIDED IT. THEY WERE ABLE TO PULL MY INFORMATION UP WITH JUST MY PHONE NUMBER WHEN I CONTACTED THEM SO A PHONE NUMBER SHOULD BE ENOUGH INFORMATION
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXX XXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) Ai, XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for XXXX XXXX FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX XXXXXXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation into the process of their investigation and they used a stall tactic saying my request was not specific. I am filing this complaint with the company name and account numbers provided.
Product: Credit reporting or other personal consumer reports

XXXX sent me this so I'm trying to understand why is this still reporting on my file. 
We are writing in response to the above-referenced complaint. XXXX works for creditors as a third-party agent and legally relies upon the information provided. We do not own the account in question and never purchase debt. On XX/XX/XXXX, XXXX placed an account with us for collection or we would not have contacted the consumer. If the account was disputed or fraud was alleged prior to placement with XXXX, we were not advised. Prior to our receipt of this complaint, XXXX had already ceased collection efforts. XXXX received a XXXX XXXX XXXX complaint disputing the account. XXXX promptly ceased collection efforts and noted the account as disputed. XXXX obtained and mailed validation of debt, provided by the creditor, on XX/XX/XXXX. The documents were mailed to the address matching what is on this complaint. Despite sending validation, XXXX did not resume collection efforts. Any credit reporting provided by XXXX was deleted at that time. XXXX has closed the account in it system as disputed and it will be returned to the creditor. XXXX next received this complaint which suggests the possibility of fraud. If XXXX XXXX believes they may have been the victim of identity theft, we would advise them to complete the following process. Every creditor has its own required fraud process to permanently close accounts. XXXX requires a XXXX XXXX to be completed and returned to them directly by the consumer. Please ask XXXX XXXX to call the XXXX XXXX Department at : XXXX or visit : https : //www.xfinity.com/idtheftclaimform. Please let us know if we can be of further assistance. Thank you.
Product: Student loan

I received a letter from XXXX on behalf of Navient, offering to settle the private student loan debt claim against my account. The settlement offer was very desirable to me. I was preparing to accept the agreement and make the payment after some legal research and advisement, but two days later I received a letter stating that the previous settlement offer was in error, and they actually wanted more than triple what they asked for initially. There is nothing on the original letter that would arouse suspicion, such as any percentages or other numbers not adding up, nor did it sound like a misplaced decimal, so this was shocking to me. I felt emotionally crushed after being misled all weekend into thinking I would finally resolve the debt claim. It is not the first " error '' settlement I 've received, and I 'm wondering if this is a tactic to trick the debtor into engaging with the collector in order to acquire information and/or reset the clock on the statute of limitations.
Product: Credit reporting or other personal consumer reports

I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from Santander Consumer, XXXX XXXX, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN IS VIOLATING THE FCRA 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 




I DEMAND A COPY OF MY WRITTEN PERMISSION FOR EACH ACCOUNT, Swear under penalty of perjury you were present during the alleged debt Swear Under penalty of perjury each account is accurate and is mine. 

Please provide written wet ink signed documents bearing my signature for each account. 


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

i reached out to XXXX, equfax and XXXX about wrong addresses showing on my credit report. i was trying to get these addresses removed but they did nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

My Hippa laws has been violated, and sensitive medical records have been obtained by a third party without my consent.
Product: Mortgage

HomeBridge Financial Services , Inc. is refusing/delaying the process of disbursing the money held in escrow. All Payments have been made ( zero missed or late payments ) and the loan has been paid in full.

I have sent multiple requests to their " chat '' and message inbox and they continue to delay and will not release the money from escrow. Furthermore, their customer services department is unable to take any action nor willing to fix the issue for release of the money. I feel as a consumer I am being taken advantage and concerned their financial mortgage operation is not financially sound.

They are in violation of their agreement as a mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a loan closed since 2018 that is not under my authority. I downloaded the XXXX  application and that's how I found out I made the police report and it still hasn't been resolved. I hope you can help me