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

Creditor : State Farm Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( State Farm XX/XX/XXXX ) I contacted State Farm on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for State Farm or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I spoke with a XXXX XXXX in regards to a collection account ( XXXX XXXX ) she advised me on a recorded line that once this account was paid it would be deleted off my credit report. As of todays date I see the account being paid and closed but had yet to be deleted as promised. Im not sure if you all are telling consumers that just to collect payment but I am requesting it be deleted off my credit report as promised.
Product: Bank account or service

I also hold the Capital One business card something happened funny about this situation to cause me to lose my whole bank account cleared my account and took my {$50.00} and would n't open my account said I need to pay {$50.00} again in the corporate office reported that nothing was wrong with my account they had fixed everything back the way it was the bank say I do n't owe them nothing but I have a big amount right there showing that they sell old money and when I 'm clear day old XXXX XXXX card in the name of XXXX,
Product: Credit card

I purchased a XXXX XXXX XXXX and used their finance company, XXXXXXXX XXXX/Synchrony Bank XXXX I setup automatic monthly payments as their promotion required. I made 2 payments and everything was fine. Today, XX/XX/2024, I received a message from my bank, BOFA, saying I had no money in my checking or savings account. Synchrony Bank, without my permission, made a payment of {$13000.00}. I did not authorize this payment and they took all of my money from my accounts. I now have no money in both my checking account and savings account. I have never missed a payment on my mortgage and now I will not be able to pay it or my other credit cards. I feel like I've been robbed. BOFA said they were trying to make a stop payment but didn't think it would go through. I called Synchrony Bank and they said they can mail me a check back but they can't even expedite it. I never made any changes on the amount they can withdraw from my checking account. I have never missed any payment on any loan I have taken out and now I will because of them.
Product: Student loan

I borrowed a little over {$25000.00} in student loans about 20 years ago. I was in deferment until last year. I understood that the interest was going to continue to accumulate during the deferment. My interest rate is 8.25 % and over 20 years that calculates out to {$52000.00}. The Department of Education is telling me that I owe {$110000.00}!!!! They are trying to collect {$93000.00} in interest alone! How can a single mother of XXXX survive when the government is trying to squeeze out my very last dollar so they can pay off their own debt?!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent Vance & Huffman LLC a CEASE AND DESIST letter. The certified letter was delivered on XX/XX/XXXX, XXXX to date, the company is still reporting the account as open and in collections, please see attached documents from the credit bureaus..
Product: Credit reporting, credit repair services, or other personal consumer reports

Original CFPB Complaint # XXXX Against XXXX XXXX XXXX XXXX In XXXX or XXXX we refinanced our XXXX XXXX XXXX XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX. We refinanced the loan with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX Texas. XXXX called XXXX XXXX XXXX and received a payoff of the loan good till XX/XX/XXXX. XXXX issued a check in the full amount provided by XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX  did not submit the check from XXXX until XX/XX/XXXX per XXXX records. XXXX XXXX XXXX began reporting late pays on both my wife 's and my credit reports for the difference between the payoff provided thru XX/XX/XXXX and when they deposited the payoff check on XX/XX/XXXX. These late pays continued through XXXX of XXXX. We only aware of this in accuracy the week of XX/XX/XXXX when working to make a major purchase. XXXX XXXX XXXX XXXX actions are unacceptable based on their internal processing of the check. We should not have been penalized/reported late on our credit reports. This has significantly damaged our credit rating to the point that we are now unable to obtain a loan on our pending purchase. We have attempted to resolve the matter with XXXX XXXX XXXX to no avail thus far. We continue to receive stall and deflect actions from them. We now at the point of losing our option on the purchase we were attempting. Based on information provided by XXXX, the payoff amount check was issued and mailed to XXXX XXXX XXXX 8 days prior to the payoff date provided of XX/XX/XXXX. XXXX XXXX XXXX should not have reported to our credit reports due to their inability to process payments in a timely manner. 

The issue above was resolved with XXXX XXXX XXXX XXXX to correct all incorrect reporting from the furnisher ( XXXX XXXX XXXX XXXX ) in XXXX of this year. We received a letter from the Office of the President that outlined the steps they would take to correct the wrong reporting. ( Attached ) XXXX XXXX XXXX XXXX sent to all three Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Experian the correct information to be updated and reported on our accounts. The CRA 's were to remove any and all derogatory comments related to the XXXX XXXX XXXX trades, payment history, payment status, all late payments, any reference to charge off and/or settlement. In addition we were refunded two checks from XXXX XXXX XXXX for the charges that were incorrectly billed to us in addition to the above. The CRA 's have only made a portion of the corrections to our accounts and left other incorrection information in place. If fact, some of the initial changes that they made, they have changed back to derogatory 30 days after the corrections were made. This has caused my credit score to drop 47 points as of XXXX.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXXMISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERRORFRCA 623VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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 can not find any reocords of doing business with the above companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a timeshare presentation in XXXX XXXX, VT. With XXXX XXXX. Say through the speciel and was thinking of it. Then we were given 7 days to change our minds. They asked for a credit card to verify my identity as well with a license. They charged my XXXX XXXX  account and now with late charges, etc is {$910.00}. They also reluctantly opened up a XXXX XXXX   account without my authority. We cancelled, called and told them we were not interested in the time allotted. 
I should not have these terrible credit report issues, them calling and harassing me, and continually looking for $ $ $ I never authorized!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.
Product: Debt collection

Universal Debt Collections, through a proxy number impersonated an officer of the law stating that they were requesting permission to serve me with court summons, claiming a lawsuit had been filed to me. Stating the company of origin had filed the suit, and that I could settle out of court. When I chose out of court restitution he claimed to not worry about the company name on the charge, its just a third party processor. Which the number on the charge clearly is the main office number of Universal Debt Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX  Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request a credit freeze/block/PIN for Transunion, XXXX, XXXX and XXXX XXXX
Product: Checking or savings account

Truist bank has allowed for {$2500.00} to be stolen from my personal money market account and when I filed a dispute the rejected my dispute without even doing a real investigation and I also provided a police report but the lady was being so rude.
Product: Mortgage

I have been a working man and I family man my whole life. I have never had any issues in the past with paying our bills. My family and I went through some really tough time and lost our jobs do to the pandemic and COVID 19, it has truly been a massive struggle to survive. We are starting to get Back on our feet and able to make our payments but We have been calling for almost two months to try and resolve this issue with no result. They keep giving me the run around and tell me to check with them in A week or two. We applied for a plan that they are offering and have not gotten a response.
Product: Prepaid card

received Vanilla gift card for XXXX $ for birthday.Tried to use one time at XXXX but came up '' invailad card '' so I called company on XX/XX/XXXX after unsuccessfully trying to activate online.I was told card was used XXXX minutes before (! } at some " floral shop '' but couldnt tell me what state.I think this occurred when I had tried to activate it online.Customer service said to call back on XX/XX/XXXX to see if the purchase went thru, either way she was putting a hold on the card-it was difficult to understand her XXXX accent -to investigate, I assume.So Im screwed no matter what.Checking online, I see this is common and part of the scam.
Product: Consumer Loan

Last year we requested deferment of 3 months, Wells Fargo is stating that we authorized one month which we are disputing. There was no communication sent detailing the deferment, terms or the fact it was {$25.00} to process. We have been 2 months behind since then and are seeking assistance from Wells Fargo Dealer for help. 
I 've left messages with XXXX from the Executive Office at XXXX ext XXXX with no response.
Product: Debt collection

Debt validation not provided. Copy of statements don't furnish as proof of original certificate of indebtedness. I did not provide any consent for my personal information to be shared with this party XXXX is in violation of privacy act of 1974 also XXXX. This law firm has no NMLS ID to collect in the territory of XXXX  They are not a debt collector they are a private firm intimidating consumers to pay a debt that hasnt been proven. Wet signature and distribution of funds have not been proceed as well as internal records showing ownership of such debt. Securities fraud has been done by XXXX and FTC report has been filed
Product: Debt collection

CAVALRY PORTFOLIO SE has been contacting me over the phone numerous times in attempt to collect a debt that is not mine. they have filed a collection and ruined my credit score. i have spoke with them over the phone and told them the debt is not mine, and the are refusing to accept this fact. They don't have any proof in the form of a signed contract with the original debt holder which claims i owed them money, nor can they tell me how, when or where any payments to the account have been made. i would like this debt removed from my report and the harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full ; however, XXXX XXXXXXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX {$63.00} XXXX {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX 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: Money transfer, virtual currency, or money service

I was trying to purchase tickets from a lady for an event that was sold out and on XXXX for {$40.00} and the company I did the transaction through was PayPal and I've already tried calling them to resolve it and they said they couldn't. I didn't even get the tickets from the person I was trying to buy them from and she has already blocked me honestly I just want my money back.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )
Product: Student loan

From XXXX to XXXX I received student loans from XXXX XXXX. I begin the repayment of these loans in XXXX, however over the course of 10 years the owed amount has increased even though I pay faithfully every month. During the course of those 10 years I attempted to negotiate the terms with XXXX XXXX and now Navient yielding zero results. Often times the customer service representative would explain to me that they are not entitled or obligated to change the terms. Additionally the representatives would basically tell me " tough luck ''. As a result the principal amount has increased {$3000.00} over the 10 years of attempting to pay back these loans. I believe these are predatory lending practices without any checks and balances.
Product: Credit reporting or other personal consumer reports

I'm having to re-dispute an inaccuracy on my credit report. Equifax is reporting a collection for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$210.00}. I initially learned about this matter after receiving a letter from XXXX XXXX XXXX in XXXX of XXXX. I immediately mailed them a letter notifying them that I was disputing the debt, asked them to validate it and pointed out that their notice to me was supposed to contain more extensive information, per the FDCPA, such as a statement advising me of my rights under the FDCPA, including a statement that I have the right to dispute the debt within 30 days in addition to a returnable form allowing me to declare if I am disputing the debt and allowing me to select a reason for a dispute and that it must comply with federal law. I also noted that their letter should contain an itemized date and other information such as the acct number associated with the debt, an itemized list of any payments made, etc. Their notice did not contain any of that information. ( See my letter attached ). Instead of following the law in addition to giving me a reasonable time to look into the matter, XXXX immediately reported the inaccurate information to Experian and Transunion. I have credit monitoring subscriptions with all 3 bureaus and was notified of the collection being reported on my reports through Experian and Transunion 's websites, who have since deleted the information from my profile. At the time, I was experiencing issues with Equifax 's monitoring program for nearly a year, although I had been paying a monthly subscription to access my credit report. They were in the process of working on resolving my issue, but it took them nearly a year to do so. During this time, my credit report through them wasn't viewable. So, anytime I wanted to know anything about my report with them I had to call them directly to ask questions and instead of them notifying me of the collection just as Experian and Transunion did, Equifax did not. I called Equifax after learning that it was being reported through the other XXXX bureaus but was told by them that there were no collections on my report. I even continued to receive emails from Equifax every month stating that there was no negative information to report and that " no news was good news '' ( see attached email ). I thought everything was fine on their end. I learned in XX/XX/XXXX THROUGH EXPERIAN that Equifax might be reporting the collection on my report and EXPERIAN offered to dispute the information directly to Equifax on my behalf and they did. Well, after supposedly investigating the dispute, Equifax decided to simply just " update '' the information and write on the report that I disputed the information. I called them again on XX/XX/XXXX and requested them to re-dispute the collection, so there is now a new open dispute.
Product: Mortgage

My mortgage payment is about {$1100.00} a month. I made a payment in XXXX of {$1700.00} with intention of extra money to go toward the principal balance, the Dovenmuehle Mortgage company applied extra money to the escrow account instead of principal balance. They did it on their own with out my consent. This is not a first time they are not providing proper service on XX/XX/2020 I have made an extra payment in the amount of {$600.00} and company held a payment in the air until XX/XX/2020. I found out that they hold the payment in the air on XX/XX/2020 about this issue and it took several more calls for me in order for them to apply the money to there it is suppose to be applied. So my loan was accumulating interest all this time. Now it is a second time the money was not applied the way intended. It seems that this mortgage company uses people 's money as they please, and money they receive do not go to there people expect to.
Product: Debt collection

I XXXX from an XXXX XXXX XXXX on XX/XX/XXXX. When I XXXX I sent my corporate American Express card back to my employer. On XX/XX/XXXX I received a bill for a corporate American Express from my old employer and sent to an address I moved away from in XXXX ( I am still have contact with the current residents. ) I sent this documentation to my previous employer and was informed it would be taken care of. On XX/XX/XXXX I received a letter at my current address informing me that my corporate Amex had been canceled and referred to XXXX XXXX. This is very confusing because I have had an American Express account since XXXX and I still use the card everyday. I was never contacted by Amex regarding the delinquent corporate card. 

Now I am being harassed by a credit collection agency by mail and by phone daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Trans Union not getting my credit report correct!!! Ive been trying for months!!! I filled bankruptcy in 2019 and was discharged XXXX  2019!! I keep 2 joint credit cards with my wife!! XXXX  XXXX XXXX and XXXX XXXX which Both are open and upto date, NEVER CLOSED!! Ive got those onXXXX but cant seem to get them Both on Trans Union. If you could help, Id greatly appreciate that THANK YOU