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

I have contacted 5/3 bank every month for the last 3 months about 2 charges that are being automatically paid out of my account that is not set up to be a recurring automatic payment. One is for {$300.00} the other is {$550.00}. The first month I contacted 53, I was told they dont see the automatic payments set up on there end nor do they see it on my end. We chalked it up as a glitch. The next month I contacted 53, I was told they would send my account to a special department to look into why this is happening. No one ever contacted me. The final time which is as of yesterday, I have a XXXX balance in my account. I contacted 53 today and was on the line for an hour and half speaking to representatives and finally a Supervisor by the name of XXXX. XXXX stated the only thing they can do is Credit the fees they charged back to me but I would have to try to get my money back from who the bank paid without my authorization. I asked, So youre telling me my bank sent my money to places I didnt authorize and now Im have to try to get my money back from where XX/XX/XXXXbank sent my money without my permission? Her response was yes. She said she tried to see if there was something they could do but the bank cant pull the money bank after its been paid. I stated but I didnt tell you to use my money. she stated she knows it was there error but there is nothing she can do. I would have to contact who they sent the money to and TRY to get the money back. I am confused as to how the bank can use my funds without my authority and then tell me I have to TRY to get MY money back, although the BANK made the error?
Product: Vehicle loan or lease

My name is XXXX XXXX. At the time of my accident XX/XX/2022, my name was XXXX XXXX. My insurance company paid {$16.00}, XXXX received XX/XX/2022 and my gap insurance paid {$240.00} received on XX/XX/2022 which left my principal balance at {$320.00} and as of XX/XX/2022 it was according to XXXX XXXX of complaint department {$310.00}. I've attached the email/attachment to confirm this. I made a payment arrangement for $ XXXX starting XX/XX/2022. Late XX/XX/2022 our family was going through hardship so I called to have my payments reduced to $ XXXX. I lodged a complaint and a XXXX called me. I told him my situation and asked him if he could change my payment to $ XXXX. He said no but I could make the $ XXXX payment because the interest will not be damaging. Now, I believe I've overpaid this balance yet I keep receiving threatening emails ( attached email ). Or they are charging me a lot of interest. I'm writing you to investigate because something isn't right. I feel like they are taking advantage of me.
Product: Mortgage

PHH is altering facts and fraudulently foreclosing on our property. I am attaching a letter they sent us confirming this. We have many pending complaints on this company with the CFPB that have not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are TransUnion, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) 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 is in clear violation of this law. XXXX XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are reporting false information about an account with XXXX XXXX. They are reporting that there is a late payment on the account which is false and is properly reporting on XXXX. This is a violation of 15 USC 1681, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I demand proper compensation for the violations of my rights as a consumer, the harm that this information has caused me, and the missed opportunities of this false reporting.
Product: Debt collection

I see that this account has charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't belleve the status of this account is accurate either. 
Delete it due to multiple violations.
Product: Credit reporting

I have disputed a particular account with Equifax on several occasions. The final results were always that Equifax has verified the account as accurate. The account in question is listed on my Equifax File as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Ohio XXXX ; Account number XXXX. 
I contacted this particular company via XXXX certified mail requested validation of this account pursuant the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company failed to respond to my request and I submitted a claim through the Consumer Financial Protection Bureau ( Case # XXXX ) and the CFPB were unable to contact the company to receive validation either ; the contact number listed on my equifax report is invalid and will not work. I received an email from CFPB regarding this company that I filed a claim against and spoke with XXXX who confirmed that the CFPB were unable to contact this collection agency with the number that is listed on my Equifax Credit report ( XXXX ) ; I spoke with her on XXXX/XXXX/2015 at XXXX. 
Being that I was unable to receive validation as I requested and the number listed on my Equifax Report for this company is no longer in service, I would like to know what verification did Equifax receive to determine from their investigation that this account and the information being reported about this account is accurate. I have disputed this information several times with Equifax and each time they determined that this account was verified and validated and it is accurate. Per the Fair credit reporting act and the Fair Debt Collection Practices Act, by law I am entitled to receive validation regarding this debt. Also by law, when Equifax investigate a dispute, they are suppose to receive competent evidence to verify/validate the accounts instead of assuming that it is accurate. This account is not accurate by no means, matter of fact it is listed under XXXX different names on my file with the same contact information. Again, I need to see exactly what documentation Equifax received to determine this information was accurate since they did a fair investigation.
Product: Credit reporting or other personal consumer reports

Equifax advise me to reach out to submit proof of Id and water bill because my address is not reporting in their system
Product: Debt collection

I have been paying on this account since XXXX. My balance gets higher even paying {$940.00} the last 4 weeks. I called Jacob Law Group and spoke to XXXX and she said I needed to enjoy my BMW and I needed to pay my bills. She refused to answer any of my questions regarding why my balance is showing {$960.00} on my credit report but she is stating I owe {$2000.00} as of Today 's date XX/XX/2017. She berated me constantly saying some of the most nasty things to me that did not even relate to my inquiry about why i still owe on this account. I have enclosed all my documentation to prove this company is ripping off people and I am pretty sure the fact I drive a convertible BMW that is 7 years old has nothing to do with this account. I was diagnosed with XXXX and money was tight for a while while i was out on XXXX. She told me to ENJOY MY GARNISHMENT! THE COMPLAINTS ON THIS COMPANY IS UNREAL!!!!! PLEASE DO SOMETHING
Product: Credit card

On XX/XX/year> I contacted mercury mastercard regarding a {$40.00} returned payment fee, on XX/XX/year>, yet the payment was resubmitted and went through. I explained that it does not cost {$40.00} to resubmit a check and the attitude was it is written in the agreement and that whether it does or doesn't cost that much they can get away with it. I explained if that is there stand then all future check payments are only authorized for XXXX time use regardless of outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 6 unknown addresses on my credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax to update my address to the current one along with proof of the address but the previous address remains. I do not live at that address and wanted to ensure that I receive all my mail from them. I have also disputed negative items on my credit file and Equifax mailed me a letter. The letter stated that my information can not be found but yet they are able to allegedly validate negative information on my file. Upon looking at XXXX XXXX I noticed that several of my negative items were finally removed. I also checked the Equifax credit reporting site as well to ensure that it was accurate. It also shows no negative items. But when I log into the XXXX credit reporting site it lists several negative items. This is conflicting information and I would like a copy of my actual credit report to know what is on there. Each time I dispute I do not receive a copy of the outcome. I am uploading the return letter I received from Equifax and a screenshot of what their site is showing for me on their actual site.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX $ was deleted off my credit report due to it being in identity theft this not my account this is a fraudulent account that didnt authorize or didnt approve of
Product: Credit reporting or other personal consumer reports

" I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. 
This is completely unacceptable, and these inquiries are in no way a result of any action I've taken. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA US DEPARTMENT OF EDU XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit card or prepaid card

After complaining about poor service to the CFPB, the credit card company has closed my account and deleted my online access. 

The phone rep said that " XXXX '' reviewed my account and closed it. XXXX never spoke with me about closing the account. 

I had tried to close the account earlier, but Citi refused to close it. After I complained to the CFPB, Citi received the complaint and retaliated by closing the account, deleting my online account access, and keeping a nearly {$7000.00} credit balance. 

I want them arrested.
Product: Credit reporting or other personal consumer reports

XX/XX/year> inquiries to experian the credit report company why my score fell XXXX points without explaining.
Product: Checking or savings account

Since 2016 XXXX has refused to allow me to enjoy the health benefits that my company provides. First, they didnt understand that a XXXX  citizen had a XXXX XXXX ( XXXX ) and not residence or USA citizenship. I explained to them it was due to my status as an XXXX. After that, XXXX closed the account ( 2016 ) that my company had opened. I have spoken several times to try to activate my account. They have asked me for different documents that I have provide. Among which are my Work Permit, Social Security card and a multitud of oficial and bank documents that show my current address. However, they refuse to activate my account. I believe that due to my immigration status and my condition of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 A. States I have a the right to privacy. 15 USC 1681 Section 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written Instructions. 15 USC 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collect may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Credit card or prepaid card

XX/XX/XXXX I tried to make a payment on my credit card. I put in the amount which was XXXX. I clicked ok. It took me to a 2nd screen where it had a make payment button. I clicked make payment and it took the full balance which was XXXX on a 0 % interest card. I immediately called to stop payment. They said they couldn't. It was escalated a few times and they all gave me different time frames of 4-11 days to be taken care of. So I waited trusting the company. I received a call Wednesday saying I'd get a call Friday to let me know what was going on with it. No call. Monday was XXXX XXXX XXXX so I called Tuesday. They said they had no claim number. And nothing was escalated. Then I was told yes it might take 30 days. Which I was never told. The application itself is made in a predatory way to trick you.. I feel like an XXXX for trusting Wells Fargo at all but I consider myself a savvy person. It seems I was wrong.
Product: Debt collection

I began receiving phone calls from a one XXXX number that claims to be PayPal. They state that I have a negative balance on XXXX, however I never authorized for any transfers to be made to my bank. I opened your dispute and ask them for help, they stated that guy in fact may have been the victim of fraud, however they will not stop calling me to the tune of 10 to 15 times a day
Product: Student loan

Got a private loan for School ( XXXX University ) after graduation could not find a job. Upon finding a job as a XXXX, still did not make enough to pay for the private loan. After XXXX for 3 years on and off, was unemployed again. Have contacted private loan company to lower payments, since I currently have a full time job, but they stated that they have done all they can and can not lower payment. Mother co-signed but since Dad can not work his original job and had to take a lower paying job, she is having problems trying to help me pay as well. Dad went from a {$XXXX} an hour job, to a {$XXXX}. Mom has now had to take her funds to help keep the household running. What options are available to assist with getting this private loan amount reduced? The interest rate from the years I could not pay have made the loan go from {$45000.00} to {$80000.00}. I try to pay what I can, I can not pay {$750.00} a month.
Product: Debt collection

XXXX XXXX XXXX posted a debt to collections sometime in XXXX. I received a bill from XXXX randomly in XXXX, with a service date from a year before in XXXX. I had health insurance at the time of this service and when I spoke to my health insurance they told me that they negotiate with medical providers and I do not have to worry or pay for bills sent to me. I called XXXX to tell me this and they said they will make a note on my account. Then I didn't get anything else from XXXX and thought this bill was resolved. Next thing I know there is a debt collection on my credit report. The debt collector " PMichaelMK '' never once reached out to me to tell me that I owe and never gave me a chance to dispute, or become aware that they placed a medical debt on my credit report. It has been sitting on my credit report for years and they have not ONCE contacted me about this debt. XXXX also handled this medical billing poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( Capital One ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with Capital One. Very frustrating process, but I was able to pay off XXXX XXXX Capital One reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent Capital One a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

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

Last XX/XX/2021 I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.
Product: Debt collection

Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.
Product: Credit reporting or other personal consumer reports

My wallet was stolen with my ID and social security card I checked my report and noticed multiple fraudulent 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : 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 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 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 XXXXXX/XX/year> " 15 USC 1692c '' refers to a section of the Fair Debt Collection Practices Act that outlines the rules regarding communication with consumers when collecting a debt, essentially stating that a debt collector can not contact you without your prior consent, and must stop collection activities if you dispute the debt until they verify its validity.

I expect you to stop all communication regarding the disputed debt & cease all accounts.

I am disputing the debt based on my rights under 15 USC 1692c.
Product: Debt collection

It was reported on my credit that i owe a debt that i do not owe. There has been no attempt to resolve or any information available about the debt.