23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt collection was placed in my credit report saying that I owed XXXX XXXX XXXX and XXXX XXXX {$200.00}. It showed that a XXXX account was opened in XX/XX/2023 and it has not been paid until today. I do not have an account with XXXX XXXX XXXX and XXXX XXXX and I surely never opened one in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing you about my social security number being comprised and used to open fraudulent accounts.. I believe I am a victim of identity theft due to the XXXX Data breach. I found my personal information was comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. I was a victim of XXXX XXXX XXXX Account XXXX : XXXX XXXX. I was a victim of XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX  XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX XXXXXXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX  CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with XXXX  in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Mortgage

Hello, I have a mortgage serviced with Ditech XXXX XXXX. In XXXX of 2018 I submitted my payment online as I do with all my previous payments. As per Ditech system it indicated that the payment was received. Several days later I noticed my account was not debited. I went back on the Ditech site and it showed that the payment was past due and a fee of {$76.00} was imposed albeit the payment was received on XX/XX/XXXX within " the grace period ''. I called their call center multiple times and to no avail did I reach anyone that would assist me with this issue. Instead the representative indicated to send a letter requesting the fee be waived which I did. DiTech indicates " they never received the letter ''. The only options to send the letter was via USPS or email. I sent the letter via USPS. They are very difficult to communicate with and this is extremely frustrating. All I want is for my account to be credited {$76.00} as this mistake occurred with DiTech servicing. 

I appreciate your help!
Product: Checking or savings account

Citibank customer since XXXX, first time victim of a stolen check and check forgery. Check {$9400.00} was payable & mailed to XXXX XXXX Treasurer office in XXXX. It was stolen and altered in the payee & memo lines then cleared by Citibank. I detected the forgery check in the last week of XXXX online and reported immediately by phone. Then file a claim at the local Citibank office. Citibank denied my claim and appeal because I file the claim not within the time limit.. Check was cleared in XXXX XXXX. I couldn't report the crime when I did not suspect or detected the forgery check. I have paperless monthly statement, therefore I do not receive a paper copy by mail. And during the month of XXXX & XXXX, I have difficulties going online at Citibank website. It was not accessible many days. Then if I can login I only can view one task then it locked up. Citibank website was reconfiguring the website. I called for help technical support many times. To proof that I COULD NOT access my account information, during XXXX & XXXX, I had to call customer service to retrieve copy of checks for my tax accountant. And I have copy of the Citibank respond letters. Please help me to appeal to Citibank to credit my checking account {$9400.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution with Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Consumer Loan

I had a Ford Fiesta leased in Hawaii when I received XXXX. Ford credit refused to honor the SCRA when I went to XXXX for my XXXX. They said the SCRA did n't apply to me because I was retiring. I did n't receive my orders until about 2 weeks before I had to leave so my only option to ground the vehicle was to pay off my lease of over {$5000.00}. After over a year of disputing and having them literally tell me they did n't care about soldiers XXXX, I am still fighting to get my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

I took out an installment loan XX/XX/XXXX. I had my first job out of college and had no credit history. OneMain financial took advantage of me, as I was not clear about the loan terms and what I was getting myself into. When I asked for explanations on my payments, I was treated in a very disrespectful manner. 
Fast forward ten years to XX/XX/XXXX. I fiscally and credit educated, and in the process of checking my credit reports for misinformation. It was at this time, I noticed the error on all XXXX reports from XXXX, XXXX, and XXXX. 
This loan first went delinquent XX/XX/XXXX, which meant this should have been removed from my credit history. I immediately reached out to OneMain, who stated they had nbo record of my debt, and it was most likely sold to a third party collection agency, such as XXXX XXXX ( which was removed at the appropriate time ). They were unable to validate my debt, but they reported the charge off delinquency in XX/XX/XXXX. I brought this to their attention, and they stated there was nothing they could do. 
I contacted all XXXX major credit bureau 's immediately and filed official disputes, requesting removal due to : -Reporting of misinformation -Unable to validate debt I also sent OneMain a certified letter via USPS, with the same request. I included copies of my credit report, which ( OneMain is reporting ) shows the bad information. The dates they report, along with the amounts not only are incorrect, but do not come remotely close mathematically, which proves the errors. 

In goodwill, I have requested validation, and removal on multiple occasions, via Fax, email, certified mail, in-person, as well as phone. I was recently contacted by the executive office in regards to the complaint I filed with the Better Business Bureau, but have yet to receive any response to my requests. 

I am now filing a formal complaint with the CFPB, because it is clear that OneMain is actually aging my account in order to prolong reporting to the credit agencies. I did advise them that I am a resident of Oregon, and the statue of limitations on debt is six years, as well as the requirement to report correct information, validate debt when asked, comply with regulated debt collection practices, and remove all negative information after seven years.
Product: Debt collection

I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to Caine & weiner co and originated with XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX has committed fraud by selling this fraudulent debt to Caine & Weiner Co which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
Product: Debt collection

Received a letter from the collection agency XXXX XXXX stating that I owe them for an account with XXXX. I had XXXX XXXX insurance and renter 's insurance from XX/XX/2017 to XX/XX/2017. I paid up until the renewal date. I elected not to renew. 

I asked for verification of the debt and XXXX sent me a letter from XXXX stating that I must show coverage from XX/XX/2017 to XX/XX/2017 in order to receive credit for the {$150.00} they were trying to charge me. My policy renewed on XX/XX/2017 and I didn't renew. XXXX 's policy states on page 51 if their Missouri XXXX XXXX XXXX : # 3. Nonrenewal by YOU " If we offer or continue and you or your representative do no accept, this policy will automatically terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. '' I did not accept their offer and there is no language in their manual that stated that I needed to pay anything beyond the date of renewal if I didn't want to renew with them. 

They did not respond to the letter I sent to them explaining this and continued to pursue via collections. I didn't know this until I received notifications that a change was made to my credit reports.
Product: Money transfer, virtual currency, or money service

my mom sent me money, which was {$50.00} to an account. They locked my account and deleted it and when I tried to log into the account, it made me made a whole new account and I tried to contact them and they said they dont have access to the account even though the account is seen on my moms Cash App so they basically stole my money and they wont give me access to the account, they wont even send my mom a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 months ago today, I sent letters to the credit bureaus ( attached in this complaint ) regarding inaccurate things I have on my credit report. Up until now, I havent got any action & respond from them, I can still see those inaccurate things on my credit report. They didnt make any action for my complaint. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Product: Credit card or prepaid card

I booked a business airfare and hotel accommodation through JPMorgan Chase 's XXXX XXXX XXXX XXXX  as I am a Chase Freedom Unlimited cardholder. A short time after making the original booking my business trip I needed to adjust both the airfare and hotel accommodation to extend a day later than I had originally booked. 

I was given a confirmation via email ( attached to this complaint ) of what I requested. I called back about a week ago to confirm, which I was told at the time everything as fine and my stay was extended until XX/XX/XXXX as requested at no extra charge and that I'd be good to go. 

Fast-forward to today, I am on the first day of my business trip, I stopped at the front desk of the hotel to verify when I'd be checking out only to find out, to my dismay, that the booking was still for the original date of XX/XX/XXXX, not XX/XX/XXXX. 

I called Chase XXXX XXXX  and spent no less than one hour of my time and spoke to 8 different agents, including a supervisor, who in the end told me that in order to extend as requested ( literally both two and a half weeks ago, last week and now tonight for over an hour ) that I'd have to now pay them {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$570.00} XXXX XXXX {$89.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$980.00} XXXX   XXXX {$1400.00}
Product: Debt collection

In XXXX or XXXX ( I believe XXXX ), I received a letter from CMRE Financial Services , Inc. stating that a collection from XXXX XXXX XXXX was placed with them. Immediately, I notified CMRE ( by USPS Priority Mail with Tracking ) that I did not recognize the charge, did not recognize the amount, and had no recollection of any of this. This was delivered to them, as indicated by the tracking number on the package. In this letter, I not only asked for debt validation, but advised them to only contact me through written correspondence, as I am unable to take phone calls, and doing so could risk my husband 's employment. 

Instead of acknowledging receipt, they sent an additional collection notice on XX/XX/XXXX, WELL AFTER receipt of my letter indicating I would need validation. To add further insult to injury, they now have begun to attempt to communicate by phone. None of this is acceptable, and a gross exaggeration of their duties, while violating my rights.
Product: Credit card or prepaid card

I called on a damaged item and was fought with for not being able to hear on the XXXX   system nor headsets. I was transferred 10 times and when I got someone in dispute who fought with and since it had lost connectivity from 10 transfers I could not hear at all. 


The Dispute dept would not call me back. Her name was XXXX. 


It is a lousy 5.50 nightmare. 


I can not take any more of this fighting. 


I believe that they wrote this off, but my point is the nightmare of not being able to hear and fought with and bad connectivity and I honestly could not hear them. 


When phones are transferred over and over again, the sound quality is horrible. 


When on a XXXX  system 10 times it dose lose connectivity and a deaf and hard of hearing person honestly can not hear. Why such a fight please. It is not right at all.

I was on the phone for close to 2 hours before getting any help.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

AFNI collection company has placed a collection on my credit reports that I do not owe. The original fault belongs to XXXX XXXX XXXX. The amount is for {$240.00} and originated from a false claim for monies due in XXXX, XXXX but was placed on my credit report on XX/XX/XXXX. In XXXX of XXXX, we switched our cellular service from XXXX XXXX XXXX to XXXX. I paid the amount due at that time and was told the account was closed and that there would be no more charges due. A month later I received a bill from XXXX XXXX XXXX for another month of service. I called them and they agreed that they saw notes where I had closed my account and paid in full and it should not have had charges after that. The representative told me she couldnt remove the charges but would have their billing dept remove it. A month later we got another bill for the same amount. I called again. This rep also told me it wasnt owed but it would have to be sent to the billing department to have it removed and that it would be no problem. I never received another bill and assumed it was taken care of. Two years later they addd it as a collection, via AFNI, on my credit report. I do not owe this bill. I believe they were angry I switched to XXXX and charges out another month and just expected people will pay it to get out of it.
Product: Mortgage

Getting tired of Cross country mortgage and their XXXX controlling The mortgage market in the area I originate in I 'm being kicked out of these offices because of their agreements They refuse to let any other lenders or brokers on premesis with loan Programs XXXX of cross country mortgage sits in their offices daily XXXX is with XXXX and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.
Product: Student loan

Hello I have a ton of student loan late payments on my credit report. I can not remember who I spoke with but at the time my father was XXXX from XXXX. I asked them adjust my credit report and nothing was done. Naviet is very nasty and does not commuincate with consumers very well. They failed to understand my situation my loans went into default, high interest, and more. Now my that my loans are in good standing, they still want update my credit report. All Im asking them to do is to treat me right because they are rude in so many ways. Please them to update my credit report and remove all the negative late payments. Thanks!!!
Product: Credit card

XX/XX/XXXX, XXXX contacted me about being hired to build a download-to-own media site with billing. They seemed organized and capable, so I hired them. We began discussing the project. It took longer than the six weeks anticipated, but as of XX/XX/XXXX, they have been paid in full, having told me that all they had to do was enable the billing and my site would be up and running. Then I was told that there was an issue, but they would resolve it. I 've been strung along since then. For a while they stopped responding to emails, but finally did answer again. They said that my website would be XXXX done by Sunday, XX/XX/XXXX. The date came and went with no contact. Now I 'm trying to get a refund. Can you guys help me or point me in the right direction? Due to the time that has passed, the credit card processor, XXXX, says that they are unable to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX - XXXX XXXX  showing up on my personal consumer report that does not belong to me
Product: Credit reporting or other personal consumer reports

I have no information about these inquiries, and the company did them without my permission. Please remove them.