23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone.
1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed.
2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, XXXX , Equifax listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}.
" I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
Product: Debt collection

Your Name\ Your Address\ City, State, ZIP Code\ Date [ Credit Reporting Agency Name ] \ [ Agency Address ] \ [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear XXXX I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : Kohls/ CAPONE Account number XXXX Amount \ {$490.00} This information is inaccurate or incomplete for the following reasons : [ The account was is not mines and was reported in a XXXX data breach I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : 1. Dispute letter to XXXX 2. Data breach proof Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : 1. Investigate and verify the accuracy of the disputed information.

2. Provide me with a written summary of the investigation process and results.

3. Remove or correct the inaccurate information if it can not be verified.

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within 30 days of receipt of this dispute. 

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine 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. Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries on my credit reports. 


Accounts 1. Dept Of EducationXXXX {$3500.00} 2. Dept Of EducationXXXX {$2100.00} Inquiries XXXX. XXXX XXXX XXXX
Product: Debt collection

I received a letter from Cawley & Bergmann LLC dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX/XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX or Cawley & Bergmann LLC. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
Product: Credit card or prepaid card

I had filed a dispute with Bank of America, who is responsible in distributing my funds from unemployment. Someone withdrew {$800.00} from my account XX/XX/XXXX of last year, I had filed a dispute and it was ultimately approved and was deemed permanent in XXXX. On XX/XX/XXXX, Bank of America froze my account putting the blame on XXXX, which was entirely false. When they froze my account the original claim that was permanent was taken back from me and I received a letter in the mail saying that because of the account being froze the claim was closed and the credit will be taken back. I have been back and forth with them for months over this issue, and once again they had frozen my prepaid account in XXXX and just now reopened it over the weekend. They have not resolved my dispute and I just now had to refile the same claim for reconsideration that I have been fighting for months. I would like assistance in this matter because they are taking advantage of me and making me run around in circles.
Product: Credit reporting or other personal consumer reports

formally disputing an account that has been opened in my name without my authorization. After reviewing my personal and financial records, I can confirm that I did not open this account, nor did I provide consent for anyone to do so on my behalf. I was first made aware of the account when I received a notification, which I did not initiate. 

Upon reviewing the account details, I found unfamiliar transactions and information that do not match my personal records. This strongly suggests that the account was fraudulently opened using my personal information, without my knowledge or permission. 

I have taken the necessary steps to address this matter, including reporting the incident to the appropriate authorities and reviewing my credit report for any additional fraudulent activity. To prevent further misuse of my information, I have placed a credit freeze. 

I am requesting that an immediate investigation be conducted, the fraudulent account be closed, and any negative impact on my credit report be rectified. I am available to provide any additional information or documentation needed to assist with the resolution of this matter.
Product: Credit card or prepaid card

I am a victim of identity theft and it found out in XXXX and started my journey to fix this issue, XXXX accounts were opened under my name XXXX  XXXX XXXX  XXXX XXXX Capital one bank XXXX XXXX and XXXX XXXX bank have been closed and removed. 
Capital one I have been trying to close the account and remove it completely, I never authorized or signed anything regarding this account nor did I get a call or anything regarding this account and I have proof regarding this account, since I have been dealing with capital one with the worst customer service and not having any luck trying to resolve my issues, I have proof me submitting all documents and calling since XXXX or XXXX regarding these fraudulent accounts yet the company has not called my once regarding my complaints. 
Capital one case number # XXXX I have investigated this issue myself and so far the address is not mine, phone not mine signature on the account is not mine, email is not mine and I have been calling regarding this accounts for XXXX months now till today XX/XX/2022 I have not gotten anyone to take care of this issue, and please capital one, I have never authorized anyone to open an account under my name, I have submitted all documents needed to prove that the account is not mine and I would like capital one to contact me regarding this issue.
Product: Credit reporting or other personal consumer reports

Remove unauthorized hard inquiries : 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 XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to capital one request copies of all records relating to the accounts. I also sent an identity theft affidavit and a copy of my FTC Report. I sent this letter out certified for {$4.00}. With copies of my ID and social security number as well. Capital One responded with a letter stating I didnt send in enough information and they werent taking any action.
Product: Checking or savings account

I have been constantly been hit with over draft fees by Navy Federal even after signing up with their oops program that was informed by their staff over the phone, as I was told that they can only removed 2 over draft fees and the other I would have to deal with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON  XX/XX/XXXX  I called One Advantage LLC formally known as Firstsource Advantage , LLC at telephone number  XXXX  about a collection on my credit report I spoke with a rep by the name of  XXXX  that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back (  XXXX  ) again and spoke with a    XXXX   XXXX    that first asked me the spelling of my last name then first name and then my date o f birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from  XXXX   XXXX   XXXX  for a   XXXX   XXXX   that I received on  XX/XX/XXXX . First of all I never received a  XXXX  because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from  XXXX  and she again stated that I received a   XXXX   XXXX  . If I would have received any service for the collection company to know what service a hospital provided if any were provided is  against HIPPA v iolations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again One Advantage remove this insane debt off of ALL  XXXX  OF MY CREDIT REPORTING AGENCEIES (  XXXX ,  XXXX ,   XXXX    )  it 's damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance XXXX {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the Credit Reporting Agencies, XXXX, XXXX, and EXPERIAN continue to list DISMISSED bankruptcies as VERIFIED within my credit file. The Fair Credit Reporting Act 15 U.S. Code 1681c - clearly states " from the date of entry of the order for relief or the date of adjudication ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, XXXX, XXXX, and XXXX have no right to maintain information which the government has deemed nonexistent. Please remove the below items : 1. Chapter XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX XXXX. Chapter XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX
Product: Debt collection

I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
Product: Mortgage

Ocwen Loan Servicing does not own and it not entitled to service the underlying loan. Moreover, Ocwen failed to comply with Dodd Frank regulations in connection with loss mitigation underwriting/modification application. They denied the application without proving any documents to the consumer which address the denial or the required information under Dodd Frank
Product: Credit reporting or other personal consumer reports

Under the FCRA Section 1681e, it is the responsibility of credit reporting agencies to ensure the maximum possible accuracy of the information they report. As a consumer, I have the right to dispute any inaccurate information that may negatively impact my creditworthiness. I have all so noticed that there has been Legal actions taken on Experian, for these exact issues that I am dealing with.

I have tried numerous times to get this Fraudulent account removed from my Consumer credit report, Thru Experian and CFPB I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. and Experian has failed to utilize reasonable procedures to ensure the accuracy and completeness of information on my consumers files. Please remove the fraudulent accounts from my credit report as soon as possible.

Thank you in Advance. 
Yours Truly XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

My personal belongings were stolen from me in XXXX, CA in XXXX of 2017. including my photo identification, medical card, social security card and bank cards. I recently ran my credit report as i am trying to buy a house and i have noticed collections, purchases and inquiries that I did not personally make or have any knowledge of. I just recently found out how to go about identify theft and am now taking the proper steps to get this handle.
Product: Debt collection

The debt is with a collection company that I made an agreement with online to pay in which I am paying weekly. I keep getting letters that threatened to garnish personal property / wages and calls if I could pay the full amount or increase the payments. I told this company on two different occasions the amount is all that I could afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed at the end of XXXX my credit score dropped 90 points. After husband and I applied for a loan and were denied which was very unusual. Normally have excellent credit >750. Discovered USAA had reported a charge off on an account I had as a minor with my mother. It was closed 9 years ago when she filed for bankruptcy. Not sure why it was being reported now but it is well outside of timing for allowance on reporting. I did dispute with XXXX  and directly with Usaa dispute center both electronically and over the phone without any success. Makes no sense as all my accounts with Usaa are in good standing, have a boat loan and vehicle loan for many years now, would never be the case if this were true. All inappropriate reporting and I want discharged from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Mortgage

They keep misapplying escrow payments. Anytime an adjustment needs to be made for escrow, I pay the adjustment rather than having the payment change. Their attempt to correct the situation changed my payment from {$810.00} to {$880.00}. This is happening monthly and I wonder how many other people this is happening to because the person posting the payment has no clue what they are doing.
Product: Vehicle loan or lease

I filed a complaint against hyundai motor finance in XXXX about a refund that was suppose to be issued to me. This company states that they mailed the refund on XX/XX/XXXX. I have not received that payment and it is almost a month since then. I have requested a stop and reissue on XX/XX/XXXX now I'm being told the request was not put in until the XXXX of XXXX which I spoke to another representative to follow up on the stop and reissue from XX/XX/XXXX. I am being told to wait for processing times week after week after week. This company is holding my money and they refuse to pay me. They never sent a check to begin with because it does not take 30 days to receive mail!!! I am given no choice but to take this matter further to the courts as this company is giving false information and giving run around. I called today and asked to speak to a supervisor and surprisingly there are no supervisors. What a coincidence. This company is crooks and they are stealing people money and refusing to pay what they owe to customers.