23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I mailed a Certified Debt Validation Letter to Consumer Adjustment Company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Consumer Adjustment Company 15 more days to validate debt. However, we are now passing the 15-day mark with no response from Consumer Adjustment Company . After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I have been a victim of identity theft and would like the the listed information to be removed from my account. Experian, XXXX and XXXX did not conduct a proper investigation. I have taken the proper steps to have this inaccurate information removed from my credit report. Thank you
Product: Credit card

Hello, I was incorrectly charged deferred interest on my TD Bank/Raymour & Flanigan store card. 

Balance due on deferred items was {$270.00} on my XX/XX/XXXX statement. Needed to be paid in full by XX/XX/XXXX. 

I made an extra payment on XX/XX/XXXX in the amount of {$75.00}. 
TD Bank took my auto draft payment for {$200.00} out of my account on the due date of XX/XX/XXXX. 
Total payment submitted for balance due on deferred amount totaled {$270.00}. 
Due date was a Saturday, account was credited for the {$200.00} payment on the following business day on XX/XX/XXXX. Even though both payments were submitted on time, and before the deferred period ending date, TD Bank charged me accrued interest of {$410.00}. 

I believe they are in violation of the fair debt collection practices act as they did not credit my payment properly in order to avoid charging deferred interest. Payments received on weekend must still be considered on time on the next business day. 

I tried to contact them today ( XX/XX/XXXX ), but they are closed. I will be calling them tomorrow, Monday XX/XX/XXXX in an attempt to resolve this, but feel it is in my best interest to be proactive and file a complaint. I have attached my TD bank account statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well the page from my bank statement showing the XXXX above referenced payments ( please note the bank clearance times do not depict the fact that they were made on time to TD bank ). 

Thank you, XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau I am contacting you with regards to the matter with XXXX XXXX XXXX XXXX regarding file # XXXX with a debt dated XX/XX/XXXX in the amount of {$19000.00} and all attempts have been ignored. I was on the phone with XXXX when the called to verify during my home refinance and he could not say if the debt was mine or not. This debt does not belong to me and I have made several attempts with XXXX XXXX sending clear explanation as to me being a victim of identity theft. My information was used to get loans and credit cards with many creditors and I quickly tried to resolve this and have not had any luck. The assumption is that my name and other information was obtained to get this but when I last checked if it wasn't't me and someone else used my information then it is clear identity theft. 

I was quick and filed a police report with the XXXX Police Department and filed affidavit with the Federal Trade Commission where I obtained a affidavit number to back my innocence with the assumed debt. I have know knowledge that I ever owned, or opened any account with XXXX XXXX XXXX XXXX and now I am being sent letters from Zwicker and Associates PC that gives me a response date of XX/XX/XXXX as a debt collector to collect a debt that was a part of my identity theft and should have been deleted along with the other things I've been fighting. I have taken every step to fix this with the bureaus and unfortunately, since they are paid to keep negative information they simply stopped my pursuits. I have send my drivers license, social security card etc... only for them to return saying the debt is valid. 

Valid how? I never received any loans or goods from the mentioned company and I need your assistance to please stop any collection and pursuits also to delete the blatant derogatory information from all three bureaus immediately.
Product: Credit reporting or other personal consumer reports

There are accounts on my consumer report that are a result of a data breach. I have sent a dispute to Experian, but it wouldn't allow me to upload all of my documentation for proof including the proof of the breach, ftc report in the portal. The accounts that in dispute are XXXX XXXX with the balance of XXXX, XXXX XXXX  XXXX XXXX and XXXX. I have contacted Experian on multiple occasions to correct this matter, but they have been noncompliant based on fcra standards. I had to go to court for one of these accounts and I able to provide the proof that the account was not mines. I will take any action needed to protect my financial reputation.
Product: Checking or savings account

When I tried to access my accounts online, I found out they were frozen. I attempted to contact Capital One via phone calls, email, letters and I have gotten EXACTLY NO RESPONSE from anyone from customer service all the way up to the CEO. 

No one has called me. 

No one has emailed me. 

No one has sent me a letter. 

I recieved no acknowledgements to my emails, phone calls or letters! 

This not how a bank is supposed to operate. I have a right to know what is going on with my money.

I called Capital One on XX/XX/XXXX, someone was supposed to call me.

I email the CEO on XX/XX/XXXX, and no response.

I emailed the XX/XX/XXXX and no response or acknowledgement.

I sent a letter via usps to the CEO and again, no response.

I called the executive offices and all they could tell me was send an email to the officeof the president.
Product: Credit card

UDAAP violation Chase branch and card services phone staff not trained on product benefits ; key exclusions from " XXXX points transfer to leading hotels '' not disclosed in table signage marketing for the new Chase Sapphire Reserve. It took 40 minutes and multiple phone calls to learn that XXXX XXXX is not eligible for XXXX transfer, after I had already signed up for a card for myself and my husband at {$450.00} cost each. A reasonable person would have assumed XXXX is a " leading hotel. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by Caine & weiner collection agency located in XXXX XXXX, CA by XXXX XXXX that a debt was placed on my credit report XX/XX/2018. They never sent me a letter. When I asked for a copy of a contract that I supposedly signed. They decline to send it. Or provide proof I owe this bill for {$540.00}. I was a victim of identity This is not my bill. I want it off my credit report. All my debts I owe are paid on time. I have XXXX  for car insurance not XXXX  and they dont have no proof that I owe this cause I dont owe this bill. It was a part of a identity Theft issue.
Product: Credit reporting

I checked my credit report about a month ago and all they accounts on it that were in collections was deleted. I check it again and those accounts appeared back on causing my credit score to drop. I would like all these accounts on my credit report to be deleted
Product: Credit reporting or other personal consumer reports

I have made several phone calls & sent letters to the companies and I have not been successful at settling unauthorized inquiries or XXXX information that I have on my Report. This is greatly affecting me as it is decreasing my chances for approvals.
Product: Credit card

I closed this account and paid it in full in XX/XX/2023. The next month they sent me a bill for {XXXX} or {$XXXXXXXX}. When I called them, they said it was a fee, for what they were vague. Since then every month I get a bill and now it's a " late '' fee for that last fee. And also interest charge ( on my closed account ). I have had this account a long time, and now they do this? I need help. Please. It's affecting my credit score, for which I have worked a long time.
Product: Student loan

I have two student loans that continue to show up through Navient. These loans should never have existed as i dropped out of this school and they never refunded the money back to the government. The disbursement date shows XX/XX/2008 XXXX it is now XXXX the other was XXXX and now XXXX disbursed XX/XX/2008 I have contacted the Dept of Ed each year when i would apply for federal aid and they stated the loans should not be there. 

This has been stated for years and years.11 to be exact. I have went on to complete my BS. 

Im asking someone intervene and remove these loans. 

Thank you for your help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit that i didnt allow to be on my credit report. XXXX XXXX  XXXX credit XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XX/XX/XXXX XXXX XX/XX/XXXX {$3600.00}XX/XX/XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XX/XX/XXXX {$8400.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

XXXX has responded with a statement saying they repossessed my car on XX/XX/XXXX. But this same car was in a total loss accident on XX/XX/XXXX and written off as a total loss prior to repossession date and the person that caused this accident their insurance company paid XXXX XXXX since that driver was at fault and not me. I am confused why the car was repossessed from the same tow yard the insurance adjusters came and viewed the car and written it off as a total loss and picked it up. I still have not got any answers back from XXXX XXXX regarding that. I need explanation and receipts on the payments XXXX XXXX received from the lawyers that paid them after the case was finalized!! I was also XXXX XXXX XXXX XXXX XXXX XXXX  and had to do several months of XXXX Still years later I'm still having problems with my XXXX XXXX XXXX XXXX from the accident. I went a year without a car due to someone elses negligence. How can you guys keep putting the blame and burden on me the consumer. When you got paid from the insurance company. Ive attached several pictures from the day of the accident with time stamps.
Product: Credit card or prepaid card

Dear CFPB, I signed up a new credit card American Express XXXX XXXX  on XX/XX/2022 around XXXX XXXX  with American Express credit card with annual fee of {$450.00} dollar and XXXX XXXX XXXX points as sign up bonus showing on their website. I saved the conditional & terms file while i was applying, which clearly shows the {$450.00} fee. However American Express violates it and charged me {$650.00} dollar for the annual fee. 

Attached is saved copy of the credit terms I saved up which had the timestamp on it.
Product: Credit reporting or other personal consumer reports

I am responding to XXXX  dispute results delivered to me on XX/XX/XXXX. Report # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have shown proof of document via bank statements to prove i was never late on XX/XX/year> and XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Product: Mortgage

Hello. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX my phone number is XXXX and email address is XXXX. 

My XXXX  and I have a complaint about our mortgage company New Rez. In XX/XX/XXXX we received our Annual Escrow Account Disclosure Statement with Projections for the Upcoming Year. It showed our payment going up by over {$1000.00} from what we were paying - from {$1900.00} to {$2900.00}. This is mostly due to a shortage and estimated amount on our property taxes - our homeowners insurance went up a bit as well but it is mainly the property taxes. We were surprised by this as my husband is a XXXX veteran and property tax exempt in XXXX When we bought our house we filled out the exemption forms for the mortgage company and made sure they were not going to be collecting taxes for our escrow account. 

I called NewRez on XX/XX/XXXX and spoke to XXXX in Customer Service. She said they did not have any documentation that we were tax exempt and I should email the paperwork to them. She also told me someone would call to let us know what was happening with our account. I sent the documents that day. No call ever came. I called NewRez again on XX/XX/XXXX and spoke with XXXX. He said the paperwork had been received but it had then been sent to the wrong department and processed incorrectly. He resubmitted the mortgage adjustment request and said we would be contacted by someone shortly. Again, no one ever contacted us back. At this point I had no choice but to pay the grossly inflated mortgage payment of {$2900.00} for the month. It took all of our limited savings to pay this. 

I called NewRez back on XX/XX/XXXX and spoke with XXXX in the XXXX Department. He went through everything and let us know the Property Tax bill for XXXX ( XXXX work a year behind ) was not ready yet but we could call the Tax Assessor for XXXX XXXX and see what our exemption would be. We did that while on the phone with XXXX and he heard the assessors confirm that we were 100 % exempt from XXXX taxes. He said we should receive an adjusted payment soon. By XX/XX/XXXX we had not received any contact from NewRez so I called back and spoke with XXXX in the XXXX Department. He was still not able to give us an adjusted payment amount and told us that according to the XXXX XXXX we were only partially exempt. We were extremely frustrated and asked to speak to a XXXX. We spoke to XXXX in the XXXX Department and she could not help. She then transferred us to XXXX XXXX in Customer Service- she also could not help. We asked to be transferred to the XXXX XXXX Department and she said that is where she was sending us. She lied. We were actually transferred to a different XXXX in XXXX XXXX XXXX XXXX. Of course she was unable to help us either but she did get us to XXXX XXXX in Loss Mitigation. He said he did not want to start any file as he believed this situation would be resolved soon. As of today - XX/XX/XXXX - it is still not resolved nor have we heard anything from any department at NewRez. We have always had to initiate contact with them.
Product: Debt collection

Received a letter from Transworld Systems Inc. about collecting a debt which I know nothing about. Suspect some kind of scam.
Product: Checking or savings account

My roommate 's girlfriend deposited 3 checks in my account, the checks cleared and I withdrew the money from an ATM. In a couple of days my account was locked due to a problem with the deposited checks. I have called Capital one no less than 4 times trying to resolve this issue to no avail. I also have a credit card with this bank but they wouldn't let me pay my credit card bill. At last check my account shows I have {$230.00} in the account, but can't transfer or withdraw money. I'm currently homeless because I don't have access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


Experian : Number Mortgages XXXX Score XXXX XX/XX/2022 XXXX
Product: Debt collection

I Have been getting repeated calls from Chase auto loans at my work number for several weeks. If I pick up the phone, they hang up. If I do n't pick up, they let the phone ring. I know it is Chase auto loans because they have left several recorded messages as well. I do not have a loan with Chase auto. I have never had an auto loan in my life. Clearly they are trying to reach someone else - they never say who the call is for in their recorded messages. The number one of the callers has used is XXXX.
Product: Money transfers

I have a paypal account with a credit card on the account. And yet, when I sent a payment to an individual via paypal, they decided to send the bill to a credit collection agency ( XXXX XXXX ) since I do n't want to give paypal my banking information. A collection agency that is never open by the way. And whose website does n't work so I ca n't pay this ridiculous charge with them. And paypal has closed off my account so I ca n't pay them directly or even contact them directly. This has cost me hours of time and anguish because the paypal process is completely inefficient. Paypal never contacted me about the charge that I assumed would be covered by my credit card on file. This seems to be paypal 's standard operating procedure. If you search for " paypal collection agency '' on XXXX, you will see numerous other people with the same problem. Just trying to pay the bill and clear my credit with paypal has taken hours of my time and I still ca n't reach anyone at paypal or their collection agency to get any resolution. The paypal firewall to block their own users from fixing an issue is the most concerning problem. Thank you
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent information to XXXX regarding the validation of this account which is shiwing as XXXX. I have only received generic information regarding the account, none of which shows that I owe this collection action. In fact, I received on XX/XX/XXXX another letter from another creditor stating that they own this account I'm currently awaiting verification of this debt from this particular company Credit Bureaus are supposed to report accurate information upon investigating incorrect information. That has not been done with this company. 

I am requesting that XXXX and Transunion follow suit of XXXX and remove the following information from my credit report. 
XXXX
Product: Mortgage

1. Fraud I am not sure that my late XXXX did the refinance in question.They foreclosed on an upsides down loan which was in probate. The client had a XXXX XXXX. 
XXXX. During the loan modification that took place with me after my XXXX died, there was an error in calculation done by WF. They foreclosed on the loan. They tried to pay it XXXX years later and are still in error. 
XXXX. XXXX has asked for documentation from WF in XXXX but has not gotten it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that 3 credit reporting agenciesstill indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have notresponded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must completetheir investigation within 30 days. Please check payment history, date open, last activity and Status ofthe following accounts which i believe were reporting in error. 
XXXX XXXX Balance : {$7400.00}