23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently ran requested my credit report from the 3 major credit reporting bureaus and noticed a collection account wherein a company called Calvary Portfolio Services has reported negatively to the 3 major Credit Bureaus claiming I owe money to them, specifically {$3700.00}. I have never applied for or opened an account with Calvary Portfolio Services nor have I given permission to them to use any of my personal information to open an account. I have recently reported this to the 3 major credit bureaus in addition to filing this report. 

I sent an email to Calvary on XXXX XXXX XXXX requesting proof of any contractual obligation I might have with them. To date they have yet to supply this, but have not removed their report to the credit bureaus.
Product: Debt collection

I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

Equifax credit reports refuses to take this charge off of my credit report, as the collecting agency, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.
Product: Student loan

I am in debt over XXXX dollars. I have tried for years to repay my loans but every time I seem to hit a roadblock. Over the last few years I have had no success in even starting a repayment plan due to the bad guidance from Navient. Every time I called I would get different advice .... at one point last year I was told there was nothing that I could do but to continue and keep my loan in forbearance. Now I have thousands of fees of just interest and in addition my credit has been affected negatively due to Navient erroneously reporting my payments as XXXX plus days late even after I called numerous times to extend my payment deadlines, but due to lack of follow up I never got the help I needed. Finally last year I made a small step forward and consolidated all my loans to make it easier to navigate with Navient reps my options. Even after this the income based repayment plan is made for failure. It 's almost as if they make it extra hard for someone to get this process done so I can remain in forbearance. I 've even offered to pay at least XXXX a month but I 've been told unless I can pay XXXX or more a month there 's not much we can do. Finally two months ago again I qualify for a lower payment via income based repayment, but now the system set up online is asking for my spouses sign off ( even though it never did before and we 've been married since the last time I applied for IBR ) ... so I 'm back at square one. I just wish that there was a better way to this. I hope someone reads this and finds a way to help me I do n't think that what I 've been through is fair and how my credit and life and inability to buy a house due to Navients negligence is fair either.
Product: Bank account or service

XXXX XXXX, First Citizens Bank has an advertisement on line, in their website https : //www.firstcitizens.com, where there is a bonus of XXXX for opening a new checking account. However, it does n't say that the checking account is subject to credit approval. After I fill out all my information, at the end, I was denied. I thought maybe they needed more information like my Driver License and proof of address etc. However, today I received an alert, that yesterday XXXX XXXX Bank checked on my XXXX credit bureau. It is an usual or not a common practice for a XXXX bank to measure credit exposure when a client is not requesting a lending product. It is uncommon to be subject to a credit risk check for a checking account, and more important to not disclose that as part of the application process. It is deceiving that their website does n't disclose that First Citizens Bank checking account products are subject to credit approval. I believe that is in violation of the fair lending act and it constitutes an unfair and deceptive banking practice. The website withhold material information that if I would have known right upfront I was going to be subject to credit approval for a checking account, it would have affected my decision to apply and I would n't have applied.
Product: Mortgage

We began the process in late XX/XX/XXXX of refinancing our mortgage through Freedom Mortgage. 

The Loan Officer was XXXX XXXX NMLS : XXXX Corp NMLS : XXXX By XX/XX/XXXX, we believe we completed all necessary paperwork and provided all needed statements ( including current Mortgage Statement and homeowners insurance declaration page ) After completing and signing all paperwork, I received a message on XX/XX/XXXX that had new signature requirements. My wife and I complied with these signature requirements. 

On XX/XX/XXXX, I received an email that said, " All set for now, Accepted by processing '' On XX/XX/XXXX, we received and email that said, " Great news. You have a new loan document to review and sign. '' We signed the documents electronically that day. 

On XX/XX/XXXX, I received an email that indicated we needed to provide our nearest living relative. We provided the information and received a confirmation email to that effect on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email that said " You new, lower rate offer expires in 4 days! To lock this rate in before it's too late, there are just a few important action items we need to discuss with you as soon as possible. We've tried to reach you over the last few days so please give us a call at XXXX. 

I called them on XX/XX/XXXX. Unfortunately, they had closed the loan out and said there is no way to open it again. I am concerned about the 4 day deadline when this email was the only communication I received. I received it on a Friday and the loan was closed by the next Wednesday. While I am a veteran, I also am fairly busy in my current position as a school XXXX. A 4 day deadline ( over a weekend ) seems inappropriate. 

I have since contacted the company, calling them twice and emailing them twice. No one can give me an answer to why the loan was not processed and why it was closed. They must have a number of meetings in this organization because each time I called, the individual who handled my questions put me on hold, attempted to reach the loan representative that processed mine, and returned with they are in a meeting - I will email them with your concerns. 

I have heard nothing back. I have two concerns : 1 ) The short response time that was given to me and how it was communicated 2 ) This company now possesses personal information including SSN, Address, Date of Birth, and bank account for my wife and I. 

I would like to be reasonably assured that this was not some type of scam to obtain the information. I would also like some type of communication from Freedom Mortgage on why my loan was closed in the fashion is was. Finally, I would like some retribution - this company was not the only company that I researched when looking into refinancing. I believe the company cost me the opportunity to save over {$30000.00} through the lower rate over the life of the loan with no additional closing costs ( VA approved loan ). This is quite possibly why they chose to close the loan. Without the closing costs, the loan was not beneficial to the company. 

Any assistance you may provide would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit card or prepaid card

I requested a Credit balance refund check that was never received by mail. First time I requested it was in XXXX. My transaction history shows a refund on XX/XX/22 as 'Credit balance refund {$2000.00} '. However, I never received the check in mail and reach out to customer service. They verified my mailing address is correct. According to my transaction history the first refund was reversed and shows a refund on XX/XX/22 'Credit balance refund {$2000.00} '. However, I never received the check after three weeks passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax hack, my wife and I froze our credit at all 3 major credit bureaus. While XXXX and XXXX have been extremely helpful/easy to work with, Equifax has not expended any effort to help us manage the freeze. 

1 ) We tried to setup online access ( myequifax ) but received error messages indicating we needed to call an 800 number : We can't complete your request at this time. 
Please call the Customer Care team XXXX XXXX ) We tried calling the number but gave up after waiting 1 hr on hold ( do appreciate the pandemic impacted customer service - but Equifax had the longest hold time of any company we tried to work with ) 3 ) We tried Equifax 's XXXX account - someone replied but never resolved the issue 4 ) We gave up for several months 5 ) When we tried again on XX/XX/XXXX, we were told by customer service that we were not ALLOWED to use online access but customer service didn't know why - instead we would need to call each time we wanted to do something 6 ) My wife and I were able to call on XXXX to get the freeze temporarily lifted - but when we called back on XX/XX/XXXX to verify it has been frozen again, we were told we didn't answer one of the security questions appropriately and would now need to mail or fax proof of identity and our request to them. 

It is completely inexcusable that Equifax can not enable online access or provide a reason why we can't, as well as providing an opportunity for us to correct/rebut the reason for online access denial. They will no longer accept phone calls because we missed a security question and now have to work with them via fax or mail? How can they not provide timely access to manage a security freeze we PUT IN PLACE BECAUSE THEY CAN '' T MANAGE DATA to begin with!!!!
Product: Payday loan, title loan, personal loan, or advance loan

I have already made a complaint to the CFPB about this company reporting my payment history incorrectly and even after multiple calls they still insisted that the reporting was correct but yet admitted after a CFPB investigation that there was a tech issue and thats why it was not reporting correctly. They corrected the improperly reported on one credit bureau but have yet to do so on the other ones. Now, they are reporting my XXXX payment as XXXX  days late which was never late. I have had the same automatic payment set up with them since XXXX, when I started their program to help cut my payment as I have been facing financial distress. When I called to ask for an explanation as to why they were reporting my XXXX payment as XXXX  days late ( even though it wasnt ). I was told my automatic payment was set up wrong and thats why it was reporting late. I have not changed the automatic payment and it is an automatic payment that they set up for me. There has been no change whatsoever and even if it suddenly is wrong the payment couldnt be anywhere near 30 days late. I dont understand how I have the same automatic payment date set up from the beginning of enrolling in this program and now all of a sudden the payment date is late without being informed the date was changing or why they didnt bother changing the automatic payment they set up. I am providing a list of my processed payments from Best Eggs website as well as a list of my processed payments from my bank account at XXXX. As you can see, the date is exactly the same for every month except for my XXXX payment which was paid a little late due to my financial situation but wasnt reported as late. This is confusing considering their current response to my complaint I have made with them about my XXXX payment.
Product: Credit card

I oppened a credit card with bank of america, for the cash reward, i have to make a purchase of XXXX dollar in 90 days to get XXXX dollar cash bonus. 
After i made the purchase it was posted and i got the congratulation notification saying i got the reward. It's been saying PENDING for over a week and still not received. 
I contacted them, i had to wait for over an hour and i have the proof from the call log ; and no answer and they just hung up on me, i contacted them on XXXX no help, while i'm making this report i'm in the call and it's been XXXX minutes and still no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a multitude of occasions. I've both contacted the original company XXXX XXXX as well as Experian in regards to inaccurate and fluctuating High Balance information and ask that it be deleted from my consumer file. They continually refuse to do so. On 3 seperate occasions I've sent my request to Experian only for them to return claims of accuracy. They have been deleted from XXXX XXXX XXXX but for some reason no one at Experian will check to validate & verify my claim. Who did they call, where did they check and who did they talk to and at what agency or company? With each dispute they either keep moving around one word or the fluctuating balance. I am asking you to please mediate before my last resort of seeking legal matters to rectify this wrong. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Letter was sent XX/XX/2022 from XXXX XXXX XXXX / XXXX. Amount : XXXX theyre demanding the amount is to be received by XX/XX/2022. The name signed by XXXX XXXX, director of operations. 

I told them i dont have that amount by that date and can only offer {$800.00} and they refused to agree. They told me if I couldn't pay the amount, they threatened me thag it would damage my credit report from them
Product: Debt collection

I have no idea how, but I have {$960.00} worth of debt from XXXX XXXX XXXX. I havent been to XXXX XXXX XXXX since I was born. I live an hour+ from there so I have no idea how I have a debt from this place.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies that require your attention. Upon examination, I found discrepancies in the reported accounts, including inaccurate account numbers, balances, and payment history. Specifically, the XXXX  Account # XXXX contains inaccuracies that violate 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I of the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies have the potential to adversely affect my creditworthiness and financial standing. Furthermore, I believe these discrepancies constitute violations of my rights under the FCRA, including my right to privacy and accurate reporting of credit information. 

Therefore, I am requesting a thorough investigation into the reported accounts and personal information discrepancies, with particular emphasis on the XXXX Account # XXXX. I seek validation of the accuracy of each reported account, documentation of the sources of information, and clarification on any inquiries made to my credit report. 

I urge you to take immediate action to correct these inaccuracies and address the violations of the FCRA. 

I look forward to receiving a prompt response regarding the outcome of the reinvestigation and any necessary corrections made to my credit report. Otherwise legal action will be taken. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part. 
I kindly request a prom
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all 3 credit bureaus.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One XXXX XXXX XXXX  XXXX XXXX, VA XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. Washington XXXX DC XXXXXXXX XXXX XXXX  credit card trip delay coverage Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Dear Eclaimsline dba XXXX XXXX XXXX XXXX XXXX XXXX : On XX/XX/XXXX, I experienced an overnight trip delay while traveling on tickets purchased with my Capital One XXXX XXXX credit card. I incurred expenses totaling {$230.00} for 2 passengers. This card covers up to a maximum of XXXX XXXX dollars ( {$500.00} ) for each purchased ticket. 
On XX/XX/XXXX, I submitted an insurance claim of {$230.00} via XXXX with supporting documentation. 
On XX/XX/XXXX, additional documents were requested, which were provided. 
On XX/XX/XXXX, the same documents were requested, which were again provided. On XX/XX/XXXX, a partial payment of {$71.00} was issued. 
On XX/XX/XXXX, I requested payment in full, which was denied on XX/XX/XXXX. 
Now, I respectfully demand that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX pay in full my claim for {$230.00} pursuant to the benefit terms offered by my Capital One card. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my charged off account with AVANT in XXXX 2021. They continue to report it as a charge off and late/past due every month. How can I be late or past due when I owe nothing? I was under the assumption based on my agreement with them once I paid my entire valance I full ( which I did XXXX my obligation was fulfilled. They continue to report monthly that I owe them money with a past due balance negatively on my credit report every month as a current charge off. I would like this to be fixed. This is negatively impacting my credit. 
I no longer owe money. I am not late Or past due. This is false information and I fulfilled my entire balance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal notice and demand for immediate corrective action regarding fraudulent and inaccurate information that continues to persist on my credit reports. Over the past XXXX years, I have filed numerous complaints with no resolution. The records unmistakably establish that I am a victim of fraudulent activity, yet the XXXX major credit bureausEquifax, Experian, and XXXXhave failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that all credit bureaus investigate disputes and remove false or unverifiable information. Your continued failure to remove fraudulent entries is not only a breach of federal law but may also constitute willful negligence. The fraudulent conduct associated with my Social Security Number ( SSN ) dates back to when I was XXXX XXXX XXXX irrefutable indicator of false information that no reasonable investigation could validate. This demonstrates a blatant disregard for your duty to investigate and verify the authenticity of the data reported under my name. 

Moreover, under the Identity Theft and Assumption Deterrence Act ( ITADA ), it is a federal crime to use personal information, such as an SSN, fraudulently to obtain credit or financial benefits. By failing to act on the evidence provided and validating false claims, your organizations are enabling, and potentially collaborating in, these illegal activities. This makes you complicit in the violations committed against my federal identification and credit file. 

It is evident that the collections and accounts reported under my name are the result of gross negligence and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN. Each credit entry must be verified for authenticity, and all fraudulent or unverifiable information must be permanently removed from my credit reports. 

Your failure to address this matter to date has caused irreparable harm to my financial standing and mental well-being. I am prepared to escalate this issue further by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. If necessary, I will also pursue legal action to hold your organizations accountable for violating federal laws and regulations. 

I expect an acknowledgment of this demand within XXXX business days and a complete resolution within XXXX  days, as required by federal law. Any failure to comply will be regarded as a willful violation of the FCRA and XXXX, and I will have no choice but to seek damages to the fullest extent permitted by law. 

This matter is of the utmost urgency, and I expect your full cooperation. 

Sincerely, XXXX XXXX XXXX XX/XX/2025 XXXX