23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Received a letter from Midland Credit Management introducing the company and explaining that they had taken over an account, XXXX XXXX, with the claim that my current balance was {$320.00}. 

XX/XX/XXXX I replied to MCM saying that I had never owned a XXXX XXXX credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked MCM to provide detailed account information of all supposed purchases, to include dates and vendors. 

XXXX MCM acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. MCM also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. MCM enclosed a letter from XXXX XXXX, Vice President of XXXX saying that my loan ending in **** with a balance of {$320.00} had been sold to MCM. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a XXXX card and had never received a statement from them. 

XX/XX/XXXX I replied saying that I had never owned a XXXX XXXX credit card and that this was not my dept. I again asked MCM to provide documentation in regard to their claim. 

XX/XX/XXXX I received a letter from MCM offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to MCM saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.
Product: Credit reporting or other personal consumer reports

Innovis refuses to delete incorrect information that they are selling for profit. Innovis does not have my permission to use my name or the likeness of any of my personal information to profit. If innocuous believes they have a right to report this information forward the document that I signed that explicitly states I gave permission for this information to be released which puts my data in jeopardy of being stolen.
Product: Checking or savings account

I have a debit card with capital one. I made a purchase for abound {$960.00} which I received an invoice for. The merchant charge my debit card for around {$1800.00}. I made good faith efforts to resolve the issue with the merchant. After all my attempts to resolve this issue with the merchant fails I called capital one to file a dispute. Around a month after filing the dispute I received an email asking for supporting documents. I provided all my supporting documents. 5 days later my claim was denied for not sending in my supporting documents. I called capital one. They received my email but never reached out and never reviewed my documents. The claim was reopened only to be denied later because capital one claims the charge was valid. Capital one never reviewed my supporting documents. I request all documents that were used during the investigation. I only received a customer dispute intake form and no documents from the merchant or myself. I call capital one only to get to a call center who has no explanation and can do absolutely nothing. This is so frustrating. I have zero fraud responsibility. Capital one has violated my rights.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX Bankruptcy Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. FDCPA section 807 violation misleading false reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. I did NOT APPLY for this company. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. I always paid as agreed on time this is an error XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX XXXX  because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last 4 digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX XXXX XXXX  XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.
Product: Debt collection

Ingenuity RM continues to send me letters in regards to a medical debt from XXXX XXXX XXXX XXXX for {$240.00}. File Number : XXXX. The debt and account is not my account or debt. The debt and account is the result of identity theft. Ingenuity RM keeps harassing me for a debt that doesnt belong to me. Ingenuity RM is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ). Ingenuity RM previously informed CFPB that they would close the file and not contact me anymore in regards to the debt, but they contacted me again anyway by USPS mail on XX/XX/2021. I have the letter. Review the letter uploaded. Furthermore, Review previous CFPB complaint against Ingenuity RM.
Product: Debt collection

XXXX XXXX was removed from my Transunion report and then I received notifications from the credit monitoring companies that it was a new collection added and when I looked at it XXXX XXXX reinserted. No one reached out from XXXX recovery to inform that they were reinsert and they can't say they did because I have them on a cease and desist and also, transunion never send noticed to me within a 5 business day period notifying me that it was reinsert. They stated that it was never removed and if so they didn't remove it was XXXX recovery I explained to them that does XXXX have control over my consumer file. I recorded the conversation with transunion stating that. I let them know that the law states that the consumer reporting agency must maintain and prevent reappearances on the consumers file. Transunion was not fair or equitable. I ask them do they adhere to fcra they said they have to follow transunion policy. I told them that transunion policy does not override the law. They seem to not honor it and they said they don't have control to delete just dispute.
Product: Credit card

I had a balance on the card -I use infrequently and last used when I went back to the US XXXX live in XXXX now ). I did forgot to pay one month but then paid entire charge put on bill the next month ( when I got reminder and remembered I had a balance ). But then after I paid in full I had a small balance. I thought it was error and didnt pay- since I had not used the card. It didnt go away so I contacted them and they said it was interest. I asked on what- that I had paid my balance in full and when I checked last it was XXXX ( prior to this charge showing up ). They wont accept calls in XXXX ( say they cant answer the phone ) and I was getting no where with the person on line. So I gave up and paid the charge ( XX/XX/2023 ). We are talking less than a XXXX XXXX  charge and I make XXXX and year and have XXXX in savings so its not a money issue. The charge makes no sense. Checked after I paid a few time and had a XXXX balance. Then this month I have got a bother charge for less than XXXX $ yet I have not used the card for purchase since XXXX. And paid that balance in full in XXXX. I refuse to waste more time online with someone who does not seem to grasp I cant get an interest charge when I have had a XXXX balance since XXXX. It makes no sense and XXXX refusing to pay this charge. I have read online this is not an uncommon problem with AE cards.
Product: Debt collection

On my credit report it states that the original credit is Portfolio Recovery and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with Portfolio Recovery Solutions so do not know if this debt is mine or what it is in reference to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any items in my credit file that resulted from alleged identity theft. The items are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX shellpoint mortgage ( lender ) begins to collect escrow funds. Throughout the next year and half as borrower makes payments, lender fails to credit account and instead places funds in unapplied account. Borrower becomes up to six months behind on mortgage payments as per Shellpoints records. 
In XXXX of XXXX we were granted a loan modification by shellpoint mortgage ( lender ). The accounting that the lender used to figure that loan mod was inaccurate. As part of the loan mod the lender was supposed to bring payments in arrears, add these funds to the principal balance so that there are no monies to be in arrears on the Modification effective date ( XXXX/XXXX/XXXX ). But Shellpoint added {$17000.00} to loan balance but failed to bring loan current. Borrower contends he is only XXXX payment behind on modification effective date where as lender has borrower XXXX payments in arrears. Lender never brings loan current as required by loan mod. As borrower continues to make monthly payments lender fails to properly credit account. As an example, borrower paid three times for the XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX borrower paid {$7100.00} for due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX borrower paid {$6000.00} for due date of XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX borrower paid {$6200.00} for same due date of XXXX/XXXX/XXXX as per Shellpoints own records. 
On XXXX XXXX, XXXX lender offers to amend loan mod but still has incorrect figures. In XXXX/XXXX/XXXX borrower signs notarized copy of new amended loan modification. Currently, Shellpoint is returning all payments made by borrower and does not return phione calls and has locked borrower out of online account activity. But borrower continues to make each monthly payment as per loan modification.
Product: Debt collection

This unauthorized inquiry was made by the creditor without my knowledge or consent! Please remove and block these inquiries promptly!
Product: Debt collection

XXXX XXXX / XXXX / {$160.00} XXXX XXXX / XXXX / {$550.00} XXXX XXXX/ XXXX / {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit card or prepaid card

Back in XXXX XXXX my credit card was fraudulently used on multiple transactions. While Capital One was quick to issue credits for the fraudulent charges. However XXXX 3 charges were charged back to my account. XXXX XXXX XXXX # XXXX for {$550.00}, XXXX XXXX for {$160.00} and XXXXXXXX XXXX # XXXX for {$330.00}. Despite being given the police report and FTC affidavit identifying these transactions as fraud Capital One Decided to hold me accountable for them. I immediately redisputed them, speaking with a case manager who told me she would have them removed back in XXXX XXXX. Over the next few months I called in multiple times to inquire as to the status of these fraudulent charges and was always told the case manager would have to call me back. Yet I never received a call back. 

Finally I spoke with a Fraud Account Manager who told me because they suspected the charged where domestic fraud even though it was clear I did not make the charges they would not get involved or honor their fraud zero liability stance as advertised and written in the the credit card agreement. 

Under 15 U.S. Code 1643 - Liability of holder of credit card then Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card have been met. In no way has Capital One fulfilled this requirement. Instead they have shifted the burden of proof onto the consumer in violation of this law. 

Then Exclusiveness of liability of a cardholder incurs no liability from the unauthorized use of a credit card. Regardless if the possible suspects may or may not be known the to the consumer as long as the consumer never gave them permission to use the card. Capital One is violating this law as well.
Product: Credit reporting

Experian continues to report a delinquency from XXXX XXXX XXXX although Ihave disputed this, it is more than six years old and Experian continues to penalize my credit score with this item
Product: Checking or savings account

I am initiating my complaint against Navy Federal Credit Union for the questionable overdraft fees associated to my account, since my 8 years of membership. The charges associated to my account are always lagging when it comes to the available balance. I have had money moved from my savings and even money market accounts to cover balances in my checking. I didnt even know you could do that. Then Im charged an atrocious overdraft fee at times when my other accounts arent even touched. I called to gain understanding and was told about OOPS but it still doesnt justify how the accounting is adding up. I have sent funds from other accounts to cover potential overdrafts. And due to some nefarious lagging of accounting, my funds will post AFTER the overdraft fee was deducted. I undoubtedly know my issues align with the recent CFPB findings against Navy Federal Credit Union, and request an investigation into my accounts transactions.
Product: Debt collection

This debt is reported in my credit report and I had no knowledge of it. It does not belong to me.
Product: Debt collection

I noticed that I had a debt collection from Merchants Credit Guide. The original debt was with XXXX XXXX XXXX. I contacted XXXX they had the wrong address and phone number for me. I never received a bill. The Hospital stated that they would get the debt back from Merchants. I was contacted by XXXX on XX/XX/19 and was told that they had gotten the debt back from Merchants, I paid the bill on that day. On XX/XX/19 it is still on my credit report and Merchants stated that they did not receive any information from XXXX. XXXX stated they sent the information to Merchants.
Product: Checking or savings account

BBVA Compass is my bank. This summer someone opened four credit card accounts under my name and used my personal account to make payment on them. I disputed the amount and BBVA Gave me a temporary credit and then reversed it less than a week later.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent XXXX wire transfers from my XXXX bank account intended for my XXXX XXXX ( XXXX ) account. XXXX uses Citi Bank as their intermediary. The wire transfer instructions were ambiguous regarding the " Beneficiary FI Name '' it was unclear whether it should be " XXXX XXXX '' or " Citi Bank '' ( see attached documents ). 

For XXXX transfer ( XXXX ending in XXXX ), we designated " XXXX XXXX. '' For the other transfer ( XXXX ending in XXXX ), we designated " Citi Bank. '' I later found that the transfer with XXXX was deposited into my XXXX account, but the one with XXXX was not. XXXX Bank filed a recall for the XXXX transfer, but Citi Bank declined the request. 

XXXX XXXX can not assist because they do not have the funds for XXXX, and XXXX Bank has already issued a recall that was declined by Citi. I reached out to Citi Bank but they refused to help because I am not a client of theirs. 

I am at a loss regarding this XXXX XXXXXXXX transfer. It is nearly impossible to believe that the account/routing number and recipient account name on the wire form could match on Citi Bank and yet result in such an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX , T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ CHLD SUPP VA Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in Equifax report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ XXXX XXXX. XXXX ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!
Product: Checking or savings account

There has been a couple of transactions where my account reflected a negative balance when the funds where there at the time of purchase. The funds were then deducted from pay that I received from my employer. This was very inconvenient and very unfair seeing the circumstances. I would like this situation to get resolved. This is not good for those of us who chose to bank with Navy Federal Credit Union.