23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I received a letter from a debt collector Portfolio Recovery Associates stating I owed {$300.00}. I immediately called them to find out why. It was a credit card from XXXX XXXX. I stated I never got a bill and we both looked at the documentation and they were billing a incorrect address. I never once received even the first statement. They had the wrong town of XXXX XXXX CT listed. This address doesnt even exist so all these statements must have been sent back to XXXX XXXX. I asked what the balance was of what I actually purchased and paid it on XX/XX/XXXX on line with the rep. I paid {$130.00}. I asked them to close out the issue as closed but they want all of the rest of the fee amount of {$200.00}. Now this is appearing on all 3 credit reports. I feel that this is irresponsible when even they agree that XXXX XXXX never got the address right or even tried to fix it when portfolio recovery seemed to have no problem at all getting my address correct. This is unfair billing practice. Please close this issue out and remove it from the XXXX credit reports. I have attached a letter that portfolio recovery sent to me from they got from XXXX XXXX XXXX XXXXXXXX credit card company with the invalid address.
Product: Debt collection

I contacted XXXX XXXX XXXX To set up a payment plan too pay off a {$5100.00} debt for the AAFES Military Star Card . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the Military Star Card. So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated. Thank you
Product: Money transfer, virtual currency, or money service

I completed a bank wire on X/X/17 to XXXX ( Coinbase Inc. ) in the amount of {$19000.00} ( transaction # XXXX ) via the companies instructions so I could get same day deposit as advertised on their website. Since I missed the timeframe listed ( XXXX PST ), I should have seen the deposit to my account the following day. There was no deposit on XX/XX/XXXX or today, XX/XX/XXXX. I have sent 3 emails to support asking for further information or confirmation and have received no replies. I then proceeded to do more research online only to find dozens and dozens of others experiencing the same problem, some stating that they 've been waiting weeks for their deposit. There were few who stated that their issue had been resolved. I do not know if they are defrauding people out of their money or having legitimate service issues, but if they are, this should be noted on their website so people like myself can make a decision to not initiate the transfer in the first place. I was not looking to have my funds tied up for any amount of time, and these delays could be costing me real money.
Product: Debt collection

Jefferson Capital System is attempting to collect a XXXX XXXX debt that was discharged in 2006 bankruptcy.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ).

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft.

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information.

In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$6500.00} Balance Updated : XX/XX/XXXX Original Balance : {$3800.00} Highest Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an Auto Zone Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent.

The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX  XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.
Product: Debt collection

This debt comes from XXXX XXXX and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my XXXX report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.
Product: Student loan

I called Sallie Mae after they continued to call and email close to 20 times a day and leaving voicemails threatening that I better call them. I have called several times with them and discussed my financial hardships and that I can not afford to pay over XXXX dollars a month for a student loan. The last lady that I spoke with was so rude and belittling to me and I was absolutely offended. she told me that I shouldnt have went to college and got the loan if I knew I couldnt pay it back and its not their fault I dont have the money and that if I didnt pay over XXXX dollars right then that they would mess up my credit. She did not try to help she was just rude. Who would say something like that to someone
Product: Debt collection

Received letter for a civil service suit about a loan that I assumed was AUTOMATICALLY being paid. There is 2 accounts with this company and they stopped taking funds for one of them but faithful for retrieving funds on the other. Never received notifications or anything from them about the situation, just checked yesterday when I went online that they sold my information to a 3rd party company who now have my personal information and apparently want to sue me for a whole other amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following person named XXXX XXXX was found on credit reports and tax records previously and may have reaped benefit from my tax refunds or credit reports due to mishandling of records by corrupt collection agencies, attorneys and judges : XXXX County Civil Court ( TX ) Film Code : XXXX, XXXX, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I submitted ftc report to Experian, XXXX, XXXX as well as a written formal dispute and request to remove XXXX fraudulent/unauthorized XXXXXXXX XXXX XXXX XXXX  accounts. I demand that these accounts be removed from my credit report. I have submitted identity theft report and supporting information.
Product: Mortgage

In XXXXXXXX XXXX XXXXXXXX I took advantage of the Cares Act. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX and my hours were reduced since I purchased this home. Truist Bank Mortgage department approved a modification agreement in XXXXXXXX XXXX XXXXXXXX. 

I signed, notarized, and returned the modification agreement Truist mailed ( XXXX  ) me in the same XXXX  package they provided. 

i began making the agreed upon modification payment XX/XX/XXXX. In XX/XX/XXXX, Truist sent me a letter that my medication agreement was null and void because they did not receive the modification agreement in XX/XX/XXXX. 

I faxed Truist the copy of the notarized modification agreement in XX/XX/XXXX. 
They denied my modification agreement despite me proving that I signed and sent back. 

Truist is trying to foreclose on my home and will not accept my payments. 

I do not want to lose my home. 

i am a single mother and I did sign and return a notarized modification agreement that Truist offered in XX/XX/XXXX XXXX
Product: Debt collection

We moved out of XXXX XXXX XXXX XXXX, XXXX XXXX Illinois on XX/XX/XXXX. The house was officially foreclosed by XXXX XXXX Bank on XXXX. XXXX illinois is trying to collect money from us in the amount of {$2700.00} for service date of XX/XX/XXXX and has reported us to equifax. We have made several attempts to get this charge removed from equifax but equifax refuses to verify the date of service from XXXX Illinois and will not remove this collection account from our credit report. We are hoping that you might be able to help us with this matter. XXXX illinois should not have waited 6 years to report this to XXXX ; furthermore, XXXX should be pursuing this collection from XXXX XXXX bank and not us. Thank-you for your time in looking into this matter!
Product: Debt collection

A collection agency called Wakefield trying to collect XXXX as of XX/XX/year> with no validation letter from the collection agency or the original creditor
Product: Credit reporting or other personal consumer reports

I request that under the fair credit law the following hard credit inquiries be deleted : XXXX XXXX  XXXX XXXX XX/XX/XXXX - because said account was consulted and opened without my consent and later when I performed the respective credit checks it was closed at my request as it was not an identified account. 
XXXX. XXXX XXXX XX/XX/XXXX because said hard inquiry was made under an LLC not under my personal credit, which under the fair credit law this hard inquiry should not exist in my personal report
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. XXXX XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

account. 
I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( Account Name, Number ). Please investigate these errors and remove the late payments if these can not be verified
Product: Mortgage

Hi, Our mortgage foXXXX XXXX XXXX XXXX XXXX were transferred to a different service provider. First we were with XXXX and then moved to SPS. 
We got notified from XXXX of the transfer, account was supposed to move to SPS from XX/XX/XXXX. But on XX/XX/XXXX we received a letter for " Notice of Default - Right to Cure ''. This letter to send to both the home address and tenants were confused and worried about it. I had to reassure them that we are paying mortgage on time and house will not be taken over by bank. 
I have had multiple homes over last 15 years and had numerous refinances done. Always when service provider is changed and loan moves to new bank, they give you 60 days to setup payment and send statement and call if we had not setup payment before anything like this is done. We have never received anything like this before. Also, its been just a month exactly from XX/XX/XXXX to XX/XX/XXXX, from the time the loan was transferred to when the notice was sent. 
When I received the statement in XXXX last week, I setup the account online and I sent the payment for XXXX on XX/XX/XXXX and also setup auto payment on XX/XX/XXXX. 
I am worried about what was the reason to send this notice to take over the house within a month on loan transfer? They didn't even give us time to make first payment and setup auto pay. I have never missed a mortgage payment in all these years with any loans. 
I am filing this complaint so you can check on them and let them know what they did is wrong. I want to make sure, they don't do anything like this going forward and try to take over the property illegally. Please address this issue, I really appreciate CFPB being there to protect common man. 
Thanks.
Product: Payday loan, title loan, or personal loan

Tried to get a loan through " Lending tree ''. This company said I had to verify my bank so they had transferred {$990.00} to my account and then had me with draw this amount and send it bank through XXXX XXXX They then stated my credit score was still to low and so they deposited another {$1900.00} dollars into my bank at this point my bank checked where the money was coming from. The money was fraudulent checks from XXXX XXXX  nothing to do with lending tree. My bank dispute the {$1900.00} but won't dispute the {$990.00} due to it leaving the account even though I had no idea what was happening. I will now be forced to pay the {$990.00} back to the bank when I needed financial help to begin with. All of this took place through XXXX XXXX XX/XX/XXXX.
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 initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

On XX/XX/20 I sent certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) to LVNV ( Resurgent Capital Service ) requesting proof validation of this debt bearing my signature. They were unable to provide proof of this debt ; however, they sent a copy of any account statement which is not bearing my signature. I have made several attempts via certified mail. Dates of requests as follow :XX/XX/202Certified Mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 Certified Mail ( XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX  is also unable to provide validation of this debt. I have a current credit account with XXXX XXXX XXXX. 

I have also disputed this account with and neither credit bureau provides proof of this debt XXXX  on XX/XX/20, XX/XX/20, and XX/XX/20. Credit file # XXXX XXXX  XX/XX/20 Credit file # XXXX, XX/XX/20 Credit file # XXXX, and XX/XX/20 Credit file # XXXX. 
XXXX  XX/XX/20 Credit file # XXXX and XX/XX/20 XXXX. 

I also filed a complaint with CFPB, complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft due to the Equifax data breech for several months now. I continue to request that the CRA 's block this inaccurate information yet they refuse.
Product: Debt collection

CC JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX medical PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX UNIV MED CTR PHX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this second request, is to dispute unauthorized inquiries on my credit report. 
Made by : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date.

Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have 3 accounts at Bank of America, 1 personal, and 2 businesses. Since the opening of the XXXX XXXX account, I have never received any support not offered products, and didn't get one single credit card. I tried many times to reach the representative but he does not answer back. Business is reaching XXXX in sales this year and is unacceptable for a bank to treat a client like this. I need one representative that can call me and discuss the business and offer products that help small businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open.