23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My bank, Navy Federal was contacted regarding a Debit card fraud claim. I submitted the claim on XXXX for Debit card ending in XXXX in the amount of {$1200.00}. The bank was advised that I did not have the card in my possession during the time of the transactions because I was in XXXX, Alabama and the transactions reflect local charges. I provided a police report after the claim was denied, however a representative has advised me that the claim is closed.
Product: Credit card or prepaid card

I was unaware when XXXX  was transferred to comenity bank due to a bankruptcy that happened. The issue is I made a payment in XX/XX/2022 for a total of {$500.00} to pay off the account. Thinking that I paid the debt off from XXXX, comenity bank put interest that accrued on the account for {$4.00} plus a late fee that they apparently do not know how to explain to me or what amount my late fee is going to be. Comenity stated that they do now know what type of interest or late fee is going to be compounded or appear on the account. I find this absurd since they picked up my debt from XXXX. It seems as though they want to keep me in debt with their company. They are doing this with malicious intent. I did not receive any letters stating that XXXX  was going through a bankruptcy and commenity bank was going to pick up their accounts. Another issue is that when I logged into my account with XXXX, it would automatically log into my account. Now that comenity bank has my accocunt they do not know how I can login. Since my account was paperless I do not have access to my account numbers.
Product: Mortgage

On XXXX XXXX, 2013, our home went into foreclosure while going through the process of loan modification. We were told not to make payments while going through this process because it would delay the process. Each time we would call, they would tell us to send another copy. After numerous paperwork sent and 10 months later, we received a letter from Flagstar 's Attorney stating that our home would be sold on the courthouse steps in XXXX, AR. XXXX. We owed {$200000.00} on our home. They sold our home for {$110000.00} but yet they would not work with us to keep it. Due to Flagstar 's actions, needless to say, our credit report has shown negative and derogatory information for 4 years.
Product: Checking or savings account

For years I have been cashing my clients checks at his bank because my client is XXXX and my bank can not read his handwriting. Suddenly Wellsfargo began charging {$10.00} per transaction in XXXX and making me wait about an hour while they verify the checks which includes calling my client to ask him what the check is for and asking me what the check is for. My client was required to verify the last several checks he wrote to me and what they were for. The process now takes about an hour whereby I have to explain what I do for XXXX XXXX
Product: Credit card

The company Car History Audit has charged my account for a service I never signed up for. They have access to my Citibank card. I contacted my credit card issuer already and told them this was unauthorized. I also contacted this company via email. 
This is absolutely fraudulent and very disingenuous. 
From XX/XX/ they charged my credit card every day or every other for {$170.00} So far they charged over {$2000.00} of unauthorized payments on my card.
Product: Credit card or prepaid card

I applied for a credit card I received in the mail 0 % interest on purchases for 15 billing cycles and 0 % interest on transfers for 18 billing cycles. When I got my card it wash for 12 billing cycles for both purchases and transfers. I called on XXXX talked to XXXX explained what happened and she said she would fix it I would get new papers in 7 to ten days. I never received anything so I called again XXXX talked to XXXX. He said I had to prove that is what I was offered and I had to fax them a copy of it. I did. Waited then called on XXXX talked to XXXX explained everything he put me on with his supervisor XXXX he said they were looking into it .it was under review. Called XXXX talked to XXXX  and she explained that it not what I sighed up for. Now I have proof his is what I signed up for I have the papers. One time they are going to fix their mistake, then I have to prove that I had the papers. Once I prove it then they said thats not what I signed up for. I think this is a XXXX XXXX XXXX  all I want is 0 % for 15 billing cycles 0 % for 18 billing cycles. Thats what I sighed up for
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$7500.00} XXXX XXXX  Balance Owed : {$560.00} 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. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Vehicle loan or lease

Santander repo my vehicle unlawfully and illegally. this Corporation is also harming my credit reports.
Product: Credit card or prepaid card

XXXX cards were opened in XX/XX/2022, I received XXXX credit cards in the mail from Amex. I have called AMEX and have them cancel the card and pay with the bank account that was on file. The total amounts were above {$25000.00} on the cards
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX The original balance is {$8000.00} my account was Legally paid in full for less than the full balance and my document from XXXX proves this information to be valid and true. Transunion is reporting something completely different.
Product: Credit reporting

XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX and now Transunion. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call XXXX and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX could. I could dispute it so, I had XXXX dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( XXXX ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my Transunion report, I called Transunion on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX Center it should have been paid from of that money. I have asked XXXX to provide me with a list of what I have paid and so far I have not received anything. Why can one XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.
Product: Debt collection

This company is reporting incorrectly on my XXXX report. They are showing an incorrect Date of 1st Delinquency ( shows XX/XX/XXXX should be XX/XX/XXXX ) ; reporting as an Original Creditor under my Accounts section when they are actually a Collection Agency ( not showing under my Collections Section ), also says the account is Open and that they are a Factorying Company ; the account # they are reporting does not match the account # for my XXXX XXXX Account ( XXXX XXXX Acct # XXXX and Portfolio Recovery is Reporting Acct # XXXX ; the amount they are reporting is also different from my XXXX XXXX Account ( XXXX XXXX charge off amount is {$1000.00} and portfolio Recovery is reporting {$1500.00} ; This company is also reporting a payment history when I have not made any arrangement with them, ever. I am under the impression that Collection Agencies are not even allowed to report a payment history because they are not Original Creditors. I have also attached my credit report showing the inconsistencies of their reporting.
Product: Payday loan, title loan, or personal loan

RESERVATION : XXXX XXXX XXXX  I was approved for financing a trip with XXXX  paid via Affirm Loan Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, they preapproved me and then ran my credit. I was trying to get information for my travel booking instead i was rerouted for a hotel stay at XXXX XXXX XXXX. Then, since it was the last room left, the affirm banker paid for my stay with the credit card before i actually reserved it, or confirmed the booking. They keep trying to collect an unpaid debt even though the hotel never charged me and has issued a refund for the charges from XXXX with no penalty. XXXX is requesting a letter from the hotel property stating there was no restocking fee for the cancellation, as it was a no refunds item. Since, it wasn't used for the intended purpose i am requesting a cancellation of my loan. Affirm has only adjusted my account for the remaining unsued portion of my debt. Please address this issue, both XXXX XXXX and XXXXXXXX property manangers has confirmed it was successfully canceled. They have also emailed XXXX XXXX with requested emails. However, XXXX is refusing to give the funds back.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX is stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Product: Debt collection

I was contacted by CMRE Financial Services regarding a debt that i do not recognize. I sent them a written letter disputing the debt and asked for proof. I have just received a letter XX/XX/18 showing me the amount owed and the collectors name, still do not recognize it. I had some reasons to believe my identity had been stolen a while back and reported a 90 day monitoring by all 3 credit bureaus. What should be my next step if i KNOW this debt does not belong to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and USBank continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was charged off in XXXX. I checked my XXXX credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!
Product: Credit reporting or other personal consumer reports

I am disputing a debt with XXXX XXXX XXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that XXXX XXXX XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts.

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA.

I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Mortgage

This is a continuation from XXXX XXXX XXXX to specialized loan servicing. They claim we owe back payments we don't. They have not turned over the lost check to the homeowners insurance. We have a lawyer, he was accused of being fraudelent and a scammer. Read the complaint we gave about XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEW MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND A NUMEROUS FRAUDULENT CLOSED ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. HERE IS THE ACCOUNTS WAS REPORTED TO MY CREDIT REPORT. XXXX XXXX BALANCE {$16000.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/year>. XXXX XXXX BALANCE {$3900.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/year>. AND ALSO I AM ATTACHING A COPY OF IDENITY THEFT, UTILITY BILL, DRIVER LICENSE ANS SOCIAL SECURITY CARD. 

THANK YOU IN ADVANCE.
Product: Credit card or prepaid card

I received a Visa vanilla gift card with {$200.00} loaded on it as a gift in XX/XX/2021. I tried to use it today and it was declined. When I called the number on the back of the card I was informed that there were three transactions on the card, all dated in XXXX, 2021, all transactions were made in XXXX, CA. 
I did not make any purchase with this card as I had left card in the original packaging until today.
Product: Credit reporting or other personal consumer reports

I had accounts with XXXX, HUNTINGTON, AND XXXX XXXX They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 
I felt like I was treated like a criminal. I am a responsible American who has never been in trouble before.

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

XXXX, early 2023. 
XXXX in XX/XX/2023. 
XXXX XXXX XXXXXX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

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

Disputed unauthorized accounts with Portfolio Recovery Associates and XXXX XXXX XXXX in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I've asked for the following legal documentation several times : XXXX. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCPA, and XXXX. 

XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 

XXXX. A XXXX release form with my wet signature as proof of my consent As of today, all I have received in a statement. A statement is not legally binding. Anyone can generate a statement and mail it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX credit card ( closed ) showing up on my credit report which is not my account. This account belongs to someone else and it shows be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

I contacted XXXX about incorrect information on my credit report and they have not answered. They are still reporting incorrect information.