23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid my Discover card down to XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called to verify that my account was XXXX and that I wanted to close my account. I specifically asked if there was any more charges or interest and was told no. Today, I was told by a lender that a loan request was denied for " serious delinquency '' with Discover. When I called Discover, I was told that because I closed my account in XXXX middle of a billing cycle, interest posted to my account after closing. I was never billed and no one from Discover called me. They told me that they had sent a bill to an email address that had not been active for two years and that I had signed up for e-statements. During the months that I had the account I received paper statements. Interest accrued upon interest for 2 months as well as, late charges. My credit score was lowered. When I was denied for XXXX different loan requests, after disputing the charges with XXXX and having a fraud alert placed on my credit report, ( I thought the Discover account was closed ), I called Discover. While they sympathized that my credit had been harmed and cleared the balance, they refused to correct my credit report stating that it had been reported correctly. 

I did everything right to payoff and close a credit card account including verifying that I owed nothing further. The company confirmed this, yet I now have negative information on my credit report and a lower score and it will be there for several years. This company made no attempt to call me, bill me or contact me to ask why I was n't paying them. I had never been late with them and had that account since the early XXXX 's. Over the years I have paid them thousands of dollars and I feel that they have ruined my credit because I closed my account.
Product: Checking or savings account

My checking account with JP Morgan Chase was closed in XX/XX/2019 due to fraud that was not fault. My account had been hacked and a fake check had been mobile deposited to my account via their Chase mobile app. After escalating and calling Chase 's fraud department and resolving the issues and closing that account I was told by mutiple internal Chase representatives that I would be able to open another account with them with no issues. I was told wrong because after going in to not one but two local Chase Banks in person to open a new account, I was refused to open an a new checking account with Chase with the reasoning being that Chase ended our banking relationship. I was not notified nor did I receive anything from Chase in the mail regarding this issue. I am still extremely confused and upset regarding this whole dilemma.
Product: Debt collection

I was contacted by Wakefield & Associates to resolve a debt. I want to pay. We cameto an agreement to settle my file with XXXX. Payment was due XX/XX/2017. They did not disclose any addl fees added on until I called them to make my payment. The amount was XXXX. I was also told at one point their client was charging interest. Turns out Wakefield is adding interest. My bill in early XX/XX/2017 was around XXXX. We agreed to settle for XXXX. I called the origginal creditor for resolution. They spoke to Wakefield and now my balance is XXXX.
Product: Credit reporting or other personal consumer reports

I sent a dispute last XX/XX/year> to TRANSUNION regarding the accounts XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX I never received a response from XXXX regarding this accounts. I do not recognize these accounts and they are not mine. I never agreed or sign any agreement to XXXX XXXX Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Debt collection

On XX/XX/2023, I was contracted at my work phone by a woman who identified herself as XXXX from Professional Choice Recovery ( XXXX  ), regarding a debt I owe of about {$400.00}. I told XXXX that I would like to be sent a validation of the debt, and to call my personal cell phone - NOT my work number. She hung up on me. 

Today, on XX/XX/2023, I have still not received a validation of the debt and continue to be contacted on my work line by XXXX.
Product: Mortgage

We paid off a mortgage in XX/XX/2018 to Select Portfolio Servicing. When they sent the deed to the state it had the wrong Legal description. We are trying to sell the property and can't due to the legal being wrong. 

I have placed over 15 calls to Select Portfolio Servicing and they keep telling me they don't have an answer. 

We are going to lose the sale of the property and lose the new property we are trying to purchase. 
What are my rights? 
XXXX  XXXX Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several unauthorized inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within 2018 and present and even before, Ive received a lot of pre approval emails as well as notifications on credit karma website/application. I was apparently pre approved for credit cards, personal loans, auto loans and refinancing. I received these offers almost daily and especially whenever I would log in. With all the offers I was getting from credit karma I thought I had great opportunities for my family and I. So I applied multiple times for credit cards, personal loans and auto loan a couple of times thinking I was approved which was clearly a lie in which hindered me from accomplishing plans I made for me and my family due to being pre approved and left me worse off than before with destroyed plans, a ton of hard inquiries and a lowered credit score. This interaction with credit karma cause a lot of harm to me I was depressed for my credit being dropped whilst I was working so hard to lift it up let alone the plans that couldnt be achieved in pursuant to better my life because I was lied and tricked into doing something that I thought would better my life but in turn helped to devastate it.
Product: Credit reporting or other personal consumer reports

This account is due to fraud remove from my report immediately Please note that you have a maximum of XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX ( a ) ( XXXX ). I am certain that you know already but please allow me to remind you that your failure ( XXXX ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for XXXX or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company within several months disputing the inaccuracy in their report under my social security and did not get a respond. I finally contacted CFPB and filed a complaint against the company on XX/XX/2021 and they still did not address the problem and I still see that they are reporting my personal info inaccurately and accounts that its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion continues to report to creditors that I I am 30 days behind on all 3 of my XXXX  accounts. they refuse to provide specific dates and times because they have no evidence of any problem with any of these accounts for more than 7 years. XXXX XXXX says they have not been contacted by this credit reporting agency and I have been in good standing with them for more than 7 years. I have lost a lot of money because of these incorrect reports. They are not trying to look into anything and over respond with vague reports, '' same as XXXX '' when they never responded in that month. The accounts are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all XXXX XXXX accounts. Please make this company explain their actions. thank XXXX XXXX
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX. 
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Product: Vehicle loan or lease

To whom it may concern, please remove this unauthorized fraudulent account from my consumer reports with immediate prompt actions this is not my account also the account amount information is inaccurate Cap One Auto finance account # XXXX.
Product: Credit reporting or other personal consumer reports

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/ Todays date - Friday, XXXX XXXX XXXXXXXX No response. Please remove from Experian, XXXX, and XXXX. 


The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Product: Debt collection

I recently reached to Midland Credit Management about some accounts # XXXX, XXXX, they are reporting to the credit bureaus without my consent, signed SSA 89 Form, and are also due to identity theft/fraud. I never received documentation nor opted for any of personal information to be shared while never having any contractual agreement with Midland Credit Managment. This inaccurate reporting has since caused future and previous denials of credit and is having a significant impact on my credit worthiness. Due to my privacy and consumer rights being violated which is clear form of Identity theft/ ( MY PERSONAL INFORMATION BEING USED ALONG WITH MY PRIVACY BEING EXPOSED WITHOUT MY CONSENT, I am requesting these accounts to be removed immediately from credit report.
Product: Credit card or prepaid card

I RECENTLY PAID OFF IN FULL MY CREDIT CARD BALANCE FROM XXXX ( ISSUED BY WELLS FARGO BANK ) AND WHEN I PULLED MY CREDIT TO MAKE SURE THAT IT WAS REPORTING CORRECTLY IT WAS NOT. I ALSO NOTICED THAT THEY HAVE REPORTED THIS ACCOUNT AS BEING LATE ON PAYMENTS FROM XXXX OF XXXX TO XXXX OF XXXX AND THIS IS INCORRECT. MY DEBT WAS BEING MANAGED BY A DEBT MANAGEMENT COMPANY WHICH ALL PAYMENTS WERE MADE THROUGH THEM TO INCLUDE THE FULL PAY OFF AMOUNT JUST THIS MONTH. 

I CALLED XXXX AND THEY ARE NOT HELP, THEY CAN NOT PROVIDE ME WITH VERIFICATION OTHER THAN TELLING ME IN THEIR SYSTEM THAT MY PAYMENT WAS LATE DURING THOSE MONTHS LISTED ABOVE AND THIS IS INCORRECT. ALL PAYMENTS WERE LOGGED BY THE DEBT MANAGEMENT COMPANY. NO LATE PAYMENTS SHOULD BE LISTED ON ANY OF MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT AGAINST THE CREDIT BUREAUS, IT IS AGAINST XXXX FOR VIOLATION OF THE FAIR BILLING ACT AND THE FCRA. IF XXXX DOES NOT REMOVE THE LATE PAYMENTS FROM THE ACCOUNT HISTORY I WILL BE FORCED TO SUE THEM FOR VIOLATION OF THE FEDEERAL LAW WHICH CARRY 'S A {$1000.00} FINE FOR EACH VIOLATON. I WOULD ALSO SEEK REIMBURSEMENT OF ALL ATTORNEY FEES IF IT GOES THAT FAR. 

THEY ALSO ARE STILL REPORTING IN THE COMMENTS SECTION OF THE ACCOUNT " PAYMENTS BEING HANDLED BY 3RD PARTY DEBT MANAGEMENT COMPANY '' THIS IS NOT SUPPOSED TO BE SHOWING UP AS THEY DEBT HAS A XXXX BALANCE AND IS NOT LONGER HANDLED BY THAT COMPANY. 

THE FCRA SAYS ALL INFORMATION BEING REPORTED MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND IN THIS CASE IT IS NOT AND I AM SEEKING AN INVESTIGATION INTO THEIR REPORTING AND ASKING THAT A FINE BE APPLIED TO THEM FOR VIOLATION OF THE LAW. 

THIS IS NOT THE FIRST TIME THAT WELLS FARGO HAS BEEN GUILTY OF DOING ILLEGAL THINGS AND I WANT FULL RESOLUTION OF THIS ISSUE IMMEDIATELY
Product: Credit card or prepaid card

Received a credit card in the mail ( from Elan Financial Services ) that I did not apply for. Also received a notice from XXXX that Elan had done a credit check.

Tried to contact Elan, using two different numbers, and was never able to get through.
Product: Credit reporting

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 I advised Transunion that I did not authorize or provide the above-referenced businesses and institutions permission to inquire about my credit status, and the continued presence of such inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act ( " FCRA '' ), must be removed subsequent to their reinvestigation as set forth in Section 1681i which requires Transunion to reinvestigate each and every disputed item and to complete the reinvestigation or delete the disputed item within one month. 
Furthermore, as further required by Section 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion should provide me with, " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ]. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), I had Transunion to provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' TransUnion advised me that they would not initiate a dispute.
Product: Money transfer, virtual currency, or money service

My bank is USAA and it is connected to my XXXX account. I paid another person on XXXX {$650.00}. I later disputed the charge as I incorrectly thought it went through XXXX. When I submitted the dispute through my bank they alerted XXXX and XXXX took the money back from the other user I had originally sent the payment to and sent it back to my bank. A couple weeks ago I received a letter from my bank stating the fraud investigation is done and XXXX proves the transfer was legitimate and legal. Which I agree with. At that point I expected the money to be sent back to the person I originally sent it to. It has not been sent to her as of today. I have contacted my bank and XXXX multiple times trying to find this money. Every time I contact my bank they say their investigation is closed and I need to contact XXXX. When I contact XXXX they always say to call my bank. XXXX told me multiple times that USAA investigated and told them the decision was in my favor but I never got the money back. I am a single mom that lives paycheck to paycheck. I need that money to be found and returned to me or the person I sent it to. {$650.00} is a lot of money for me, and I am in desperate need of this money being returned to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> 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 generally, 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 am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : 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 {$0.00}.
Product: Student loan

In XXXX and XXXX I and my daughters took out Parent Plus loans through NAVIENT for their college education. Daughter XXXX XXXX took out a {$20000.00} loan and daughter XXXX took out a {$23000.00} and a {$21000.00} loan. 

Since we were having trouble paying the monthly amount originated with the loans I called NAVIENT for an alternative payment plan. 

Now after eight years of payments, of {$3700.00} on time we owe {$67000.00} in principal which is several thousand more than we originally borrowed. Whats more I'll be paying $ XXXX monthly on these loans for the next 20 years -- until I'm XXXX years old. 

It feels like a total scam and ripoff. I can't believe this unscrupulous company would do this to college parents and their children who are trying to get ahead but will be dragging anchor for another two decades.