23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company never notified me of regarding the collection I had in their office, which is violation of the FDCPA. I reached out to them on a voluntary basis after speaking to the original creditor and being informed by them that my balance had been submitted to National Credit Systems. I have made numerous attempts to reach out to them in order to voluntarily setup a recurring semi monthly arrangement to resolve my balance. On all occasions I have spoken with XXXX. XXXX XXXX and she has been nothing but rude and inconsiderate. She has refused to accept payment from on 4 different occasions twice of which were on a recorded line. I did advise her that the line was being recorded and expressed that I would like to set an arrangement to resolve my balance however I could not afford the amounts being offered by her. XXXX. XXXX used very aggressive and intimidating tactics in attempts to collect the balance from. She even went as far as to deadline and say that if I didnt pay my balance by XX/XX/XXXX that they would be placing it on my credit report. I question as to how this could be done when they have never even notified me of the balance being in their office and she advised that if I didnt pay by then the damage would be done. Again I know that I cant be deadline as to when this will be applied to my credit report or threaten by damaging my credit in order to coerce me to pay. This is yet another FDCPA violation.
Product: Debt collection

Sent me a bill for a debt that belongs to XXXX XXXX. My name is XXXX XXXX. This is not my bill.
Product: Checking or savings account

On XX/XX/2019, The XXXX submitted two fraudulent charges to my Wells Fargo Bank checking account. One was for {$1500.00}, the other was for {$180.00}. I do not have a business relationship with The XXXX. 

The charges appeared to be somehow related to XXXX ( the XXXX XXXX XXXX XXXX ). I notified both Wells Fargo Bank and XXXX. 

See the attached screen shot of my bank account.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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: Mortgage

My husband and I filed for XXXX XXXX Bankruptcy in XX/XX/2020. Our Mortgage to Pennymac is paid outside of our bankruptcy and is not included. I have called Pennymac on numerous occasions to report accurately that we have continued making payments and that our account is still open, but they said they will not while we are in bankruptcy. 

I feel this is very unfair to us as a consumer because we do have an open account with them and have continued to pay our mortgage payment. I am including an activity payment log downloaded from Pennymac as proof of our payments. 

On XXXX and XXXX, our mortgage is listed as CLOSED. On XXXX, our mortgage doesn't even show up ( even though it used to ). I have put in a dispute with XXXX and XXXX in the past to get this resolved but with no luck. XXXX can't do anything because it doesn't appear on my report. Today, I once again put in a dispute with XXXX and XXXX to show account as open.
Product: Debt collection

Trying to collect an XXXX phone bill that I never had. I went through this a year ago with another debt collector. This charge had been attached to my credit report but was expunged by XXXX. I do not want to go through this again.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair CreditReporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXXXXXX 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: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  Account has Violated my rights ( HUNTER WARFIELD INCXXXX XXXX of {$2600.00} ). I have never owed HUNTERWARFIELD 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Ref. NBT bank Account XXXX XXXX On XX/XX/XXXX at XXXXXXXX XXXX I paid the total amount due at the time, via phone, the customer service rep told me everything was fine and my next payment will be on XX/XX/XXXX. I specifically asked when was my next payment. ( Payment was made on XX/XX/XXXX their system reflects it on XX/XX/XXXX ). 

Unfortunately, they reported me on XX/XX/XXXX ( minus XXXX points on my score, this will appear on my records for 7 years ) on a Saturday, they were closed already. The information provided by the customer service rep was inaccurate and misleading as they did not say I was getting reported even though I paid. And I was reported after I paid. I placed a complaint through XXXX and they said the information was correct. If they cant return my points at least they have to say the true and add a note saying that they reported me after the account was paid. They damaged my credit, they do not address this issue either as I contacted them several times and they told me they were working on it, they were not they simple added more damage saying that their info was correct. I cant emphasize this enough they reported me even though the account was paid, they reported me after I paid. The information is not correct since they are not even making a note in my records telling that account was paid on XX/XX/XXXX however NBT reported it on XX/XX/XXXX, at least they have to give me that. Because XXXX the true. 

This was a loan for the education of my son, he is a special needs person. This is causing him tremendous stress, the past 2 years are been very difficult and the last thing we needed is something like this. He is dealing with XXXX  and XXXX. NBT actions were unnecessary, a total lack of respect for a customer and a display of an institution doing what they want without any regards for their customers or peoples lives. We are more than a number, we are people dealing with many different issues and regardless of that we ALWAYS paid. The account was paid, however they reported me because they have the power to do so. 

Enclosed are copies of my records ( phone call record when I made the payment, payment, credit report ). 

I look forward to your reply and a resolution to my problem and will wait before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

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

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I received a quote from automotive insurance XXXX. It wasnt even due yet from another company. XXXX they charged me. I said absolutely NOT I have insurance. I had insurance it was not due yet and renewed with XXXX. XX/XX/2011, XXXX, and XXXX? XXXX. And XX/XX/XXXX. XXXX. Discover wants to charge fees that I do not understand and I will NEVER do business with XXXX or Discover credit ever. I was a outstanding credit card holder since XXXX They changed. Ive disputed and went to business resolution. It is a joke.. Use another credit card.
Product: Checking or savings account

This online only bank violated my rights- in XX/XX/XXXX I submitted a dispute showing proof that the vendor in question wouldnt reply to me, and the purchase was sent back to the original company - I have sent and requested multiple times over the last two months to be notified of an update, and was never provided an update. They also state they have a working phone number but they do not - you can never get a hold of anyone and they still say its due to Covid 19. 

Last week on XX/XX/XXXX I was notified via email my dispute was updated and they refused or denied my dispute. I chatted in and asked for a copy of their investigation - the woman who chatted with me, XXXX, advised they would email me. 

I requested to have a copy sent to me, and instead today, XX/XX/XXXX received an email from someone named XXXX advising the vendor showed proof the delivery was completed and it was compelling proof, however did not provide me with any copy of investigation. 

Additionally - I do not believe this to be true, because the tracking information I provided showed it was delivered BACK to the ORIGINAL VENDORS ADDRESS. 

This is {$54.00} but thats a weeks worth of food. They also pulled {$100.00} out of my account and refuse to fix it even though on the statement itself it shows they incorrectly didnt add in one deposit.

I want the {$150.00} put back into my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a bankruptcy on my credit report that is not mine.
Product: Money transfer, virtual currency, or money service

Someone used my email through wise to make unauthorized money transfers. I hacvw had multiple stalkers interfering with my email/finances through their spyware. The transfer numbers are XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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: Credit reporting, credit repair services, or other personal consumer reports

The account dates of opening, closing, last update continues to change as a tactic to keep this account on my credit report longer than it is supposed to be. The dates continue to change. I feel that this account should already have been removed from my credit report. I attempted to dispute again with Experian to get a confirmation date that this account will be removed. XXXX and XXXX have already removed this account from my credit report. Experian refuses to do so by not verifying the initial information.
Product: Checking or savings account

I changed my paycheck direct deposit to Chase Bank in XX/XX/year>. On XX/XX/XXXX my paycheck was deposited by my employer in my Chase Checking Account. On XX/XX/XXXX, Chase froze my account and funds without telling me. When I called them to inquire they said my paycheck had triggered an internal investigation and they had decided to close it. As of XX/XX/XXXX, they haven't finalized the closing nor have they given me a date I can expect my paycheck to be returned to me. The best they can do after 10 days is to say that they're in the process of closing the account and it should be done in 7-10 days. After that the closing department will mail a cashier 's check. It's difficult to pay your mortgage and other associated bills when your bank won't let you have access to your funds.
Product: Checking or savings account

I have a checking account with no checks, only a debit card. I am a young consumer. I was making purchases on XXXX, and my purchases went thru. I had NO IDEA that BMO would pay out on purchases, overdraw my account and charge me almost 200.00 in overdraft fees. 

This is highway robbery. First and foremost, purchases done on a debit card should NEVER be allowed. They should be stopped and indicated no funds. On top of that, by the time I am informed of this, they charge daily late fees and subtracted almost 200.00 in fees. 

I tried to resolve this issue at the XXXX XXXX/XXXX   location. My account now has a block on it so this problem will never occur on purchases. This should have been set up this way from the get go, and not overdraw and steal money from consumers who make a mistake. 

I was told that NO FEES can be reversed. This is not appropriate customer service, especially due to the fact I did not overdraw by using checks. These purchases should of been blocked and not paid out. 

I would like to have these fees reversed. I am a young person, and I am suffering financially due to this.
Product: Checking or savings account

i filed a report last year around this time but no one ever got back with me but my identity has been stolen and misused
Product: Debt collection

Dear CFPB Staff My name is XXXX XXXX and I hope my complaint is reaching you in good health and spirit. 

Due to my ongoing inability to resolve my dispute with VENMO I am reaching out for your immediate intervention as my final attempt to relive this matter without having to initiate formal legal action via binding arbitration hosted by the XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX my subscription as a longtime Venmo account holder was temporarily frozenwhich I previously maintained absent any dispute for years. 

Attachments will be forwarded with this complaint Dispute History : On XX/XX/XXXX I checked my bank account activity with XXXX XXXX XXXX XXXX XXXX XXXX '' ) at which time I noticed a then pending unauthorized financial transaction with VenMo. It appeared that a monetary transaction was pending with Venmo whereby I supposedly had authorized the forwarding of XXXX XXXX dollars ( {$1500.00} usd ) to one, XXXX XXXX XXXX, a person I have never known, or met in my entire life. 

This XXXX XXXX XXXX could never validate or substantiate a prior relationship ever existing between themself and I. 

In attempt to invalidate that same transaction I contacted XXXX  XXXX XXXX on XX/XX/XXXX and informed them that I have never knowingly authorized any payment to a XXXX XXXX XXXX to my longstanding history as a trusted bank customer, XXXX  they initiated a formal stop payment upon my request. 

At the same time, I took further initiative by deleting my VenMo bank information to assure the alleged monetary transaction would not be processed. 

I, subsequently, notified VenMo personnel of the steps I had taken to assure that this erroneous monetary transaction had been cancelled by all parties involved. 

Unfortunately, all of my attempts, in tandem with the actions initiated by my bank ( XXXX  ) proved to have been a colossal waste of everyone 's time and effort as Venmo personnel still proceeded to process that same bogus funds request. 

Since then I've been inundated with telephone calls, and emails demanding my repayment of the same illegal and felonious financial transaction. 

To add insult to injury, Venmo personnel is asking that I initiate a Police Report for theft, when in fact I have not suffered any theft whatsoever. I have gone ahead and filed a police report as requested and I consider VenMos action as a theft A proper investigation on your behalf should prove each and all of my claims contained herein are based entirely in fact and truth. 

As I would imagine is the case where you are concerned as well, I have far better things to do with my time, energy and money than to mount a formal legal action against PayPal, Venmo, and all parties involved in sullying my name, reputation ( albeit financially & socially ), not to mention the emotional stress, trauma and this horrendous experience has caused me and my entire family. 

As stated earlier, your immediate intervention is hereby requested. 

With respect ; XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened on XXXX Account # XXXXXXXX XXXX XXXX XXXX Opened on XXXX ( Inquiries ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank. There is an unknown account fraudulently opened under my name at Comenity Bank which has decreased my credit by almost XXXX points. I have contacted Comenity Capital Bank when I found out about the account to remove it from my name but they refused and the person I spoke to XXXX treated me badly as if I had something to do with being a victim of fraud because they say the account is paid off which is none of my business. Fast forward they refused to close the account and take it out of my name although I have a Federal Trade Commission report and they failed to protect my XXXX liability protection. This issue is keeping me from getting approved for anything wether it is business cards or apartments and greatly hindering my life. This issue has caused me documented XXXX and XXXX XXXX. If they dont remove this from my name I will proceed with a lawsuit.
Product: Debt collection

In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX XXXXe group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " CAVALRY SPV I , LLC, '' which showed XXXX  XXXX, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But Cavalry 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the XXXX XXXX card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of Cavalry but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.
Product: Student loan

Navient placed me into and Income Driven Repayment Plan ( IDR ) and kept me in an IDR payment plan without my consent or even an application. Also, according to my credit report, their website, and my account statements, there is a large disagreement on the outstanding balance which has the tendency to change by large amounts on any given month that are not consistent with my payments. Furthermore, the company is not putting any of my payment towards the principle of my unsubsidized loans, just interest. I was under the impression when I set up my auto-pay that I was entering into a standard repayment plan as I know that this is the most financially healthy option in the long run. The company is taking advantage of me and has placed me in a situation that is going to cost way more money. I have asked for a solution and explanations and I was told that someone would look over my account and I have heard nothing else. Why should I be expected to uphold my agreement, when Navient has not held theirs and has hurt me financially in the long run?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balanced {$XXXX XXXX XXXX Balanced {$7100.00} XXXX OF XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$1200.00} XXXX OF XXXX XXXX Balanced {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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
Product: Credit reporting

I applied for credit and was denied because of information contained in my Equifax credit file. I was advised by the merchant that my Equifax credit file had not been updated in at least XXXX months, but on some accounts, as many as XXXX months. I contacted Equifax to file a dispute over the phone and was advised that I have multiple files with Equifax that need to be merged. Further, the agent advised that I needed to go online to file the dispute because it had to be handled by a different department. I immediately went to Equifax online and filed the dispute. On XXXX XXXX, 2015, I received an email notification that the investigation was complete. I reviewed the results, only to find a bogus conclusion of : we ( Equifax ) are unable to combine your multiple credit files due to amount of data in each. I know this is untrue because years ago this problem arose, and Equifax corrected it. Now, when it first reappeared a few months ago, I have made endless phone requests to have this issue corrected to no avail. Please help me because Equifax 's inaccurate reporting of reporting of credit file has affected my quality of life in more ways than one can imagine.
Product: Debt collection

Portfolio Recovery continues to call our number even after repeated requests to stop calling. 

We are not delinquent on any bills.