23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CAINE & WEINER has submitted to the XXXX credit bureaus a collection account for XXXX that does n't belong to me. I have had XXXX communication with them and all of a sudden there appears this collection account. The account does not belong to XXXX it is fraud and needs to be removed. I have attached a police report and FTC affidavit. Please remove and cease collection
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crdit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX Acct : XXXX XXXX  Acct:XXXX  XXXX XXXX XXXX Acct:XXXX  XXXX XXXX XXXX Acct:XXXX  has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states a consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Two weeks ago I was approached by the resident of a prior address to notify me they had turned away a Service processor looking for me. I contacted the Service processor and she could not find my file claiming to have returned it due to my no longer living there.

The only indication she gave to the former resident was that it is for a credit card debt owed to " Capital One ''. I have no personal credit card with Capital One and have disputed this with them in years past as XXXX will detail below. 

I don't know how to find out if they are filing a suit against me, if they are claiming I'm not responding to a judge nor how to address the situation. I have contacted Capital One and they claimed to have charged off and sold the debt and they no longer have anything to do with the account that purports to have my credit tied to it. 

XX/XX/XXXX - I received and responded in writing to a reply to my fourth or fifth dispute to XXXX XXXX, Capital One and possibly one other credit collection agency. Their response lists that I am disputing that I ever signed for, applied for, nor had direct personal responsibility for the discharge of debts on the business credit card issued originally by Capital One. Their reply states to the dispute " A result of identity theft or fraud '' and " Accuracy of Credit Reporting '' ( ON MY PERSONAL CREDIT REPORT ), that according to them " We are uncertain of what you are specifically disputing ''. 

I have sent this same contention as a written dispute from my personal credit file directly to Capital One starting in approximately XXXX of XXXX. I was a part of a business with administrative help that applied and obtained cards for those members/ principals of the business. I found fraud on some of the statements and the business partnership disolved with no assets or activity since approximately XXXX of XXXX. I sent letters disputing the individual fraudulent charges and the personal credit responsibility of the account throughout the period ending XXXX of XXXX. I'm now concerned that the issue is still affecting my credit and being dealt with in a court system I don't have the financial capacity nor proper notice to deal with. 

I'm not sure who to approach given Capital One 's denial of the account ownership and the failure of XXXX XXXX to provide anything beyond statements of an account that should NOT be on my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Product: Credit card

Someone called said they were from US Bank and someone tried to open a credit card in my wifes name in XXXX, TX and we live in XXXX Called US Bank and could not get anybody on the line. This happened on XX/XX/2025 at XXXX XXXX. They wanted my SS # and I would not give it to them but they had my wifes last four numbers. They had my name, date of birth and home address. The number to US Bank they called from is XXXX. Also, had three other calls from XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX with in minutes of each other. Did not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

A XXXX account appeared on my credit reports for all 3 reporting agencies in XXXX of 2018. I filed a police report and followed all of the instructions XXXX and the credit agencies requested. It still shows on my report to this day. It was opened, from what XXXX says, in Florida, which I have never lived in, and is with a company I have never had an account with ( XXXX ) In short they refuse to do anything. I have been trying for three years to fix this and finally found out about this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX/XXXX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

After receiving my initial request, the company stopped reporting the information. This month, however ; they have begun reporting the information again without providing any validation of the debt. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Nordstrom/TD Bank and XXXX numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. XXXX  has not presented method of verification and I s reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have taken active measures with TransUnion to correct an error on my credit report. In XX/XX/XXXX, I filed Ch. XXXX Bankruptcy. Per the counsel of my attorney, I included my student loan with XXXX XXXX as an outstanding debt ; however, I did not request to have student loan with XXXX XXXX to be written off. Even if I had requested to write off my student loan under Ch. XXXX Bankruptcy, I am fully aware that the request would have been rejected - one can not write off a student loan. 

Despite these facts, TransUnion continues to report my account with XXXX XXXX as " closed '', having an unidentifiable balance, and with comments stating, " Included in Ch. XXXX Bankruptcy. '' To be clear, I am actively making payments on this account have been making payments on this account. I have never made a late payment. According to XXXX XXXX, the account is " Current and in Good Standing ''.

I have opened four direct disputes with TranUunion, the most recent of which on XX/XX/XXXX. Each dispute resolution has failed to change the information. By showing that my student loan was closed due to a Ch. XXXX Bankruptcy, I am being financially burdened in that this action adversely affects my credit score. During my disputes, I have spoken with members of XXXX XXXX in which I was told that the information was correctly being reported to TransUnion. Upon reading the results of the most recently closed investigation conducted by TransUnion on XX/XX/XXXX, I immediately requested the investigation be re-evaluated and provided documentation from XXXX XXXX, which stated my account was in repayment and that it had a positive balance. I spoke with XXXX XXXX of the Customer Service Division, TransUnion on XX/XX/XXXX, and she stated that " the documentation provided does not meet the standards set forth by TransUnion '' despite it being an official document provided by XXXX XXXX. 

XXXX is reporting my account information correctly for XXXX XXXX. 

TransUnion 's failed reporting is putting downward pressure on my credit score and adversely affecting my ability to pursue a positive financial future. I do not know to whom to turn. I have exhausted all official channels of TransUnion 's dispute process. Please provide assistance. Thank you.
Product: Money transfer, virtual currency, or money service

I have a Coinme account I use cash to buy cryptocurrency at a coin star machine. The transaction was successful. When I went to login to check my account I had forgotten my password, so I requested a password reset I followed all the parameters of the new password and I get a message saying can not complete task there was an error changing password updating password. I purchased a crypto on XX/XX/XXXX. I have not been able to log into my account. I can not talk to anybody over the phone. I filled a complaint ticket twice. They said they could not verify all my permission because I have XXXX question I can not answer and that is when did I create the account? I dont remember when its been over XXXX years.
Product: Debt collection

A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. 
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. 
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.
Product: Mortgage

I open a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, CO. The house I bought was appraised for {$580000.00} on XX/XX/22 and I purchased this home on XX/XX/22 for {$400000.00}. My parents owned the home before me and gave me {$170000.00} equity in the house. This resulted in 69 % equity. The mortgage was then sold to Dovenmuehle who uses a 3rd party company for their customer service, XXXX XXXX, and they will not let me talk to anyone at Dovenmuehle. I'm trying to get them to drop my MIP or mortgage insurance premium. I am well below 80 % of the loan value on my principal I owe and I came to the table with over 20 % equity. I have even hired an attorney and they haven't responded to the letter he sent. The mortgage company knows I won't refinance because the interest rates have gone up so much and now they can control my payment when I shouldn't have to pay mortgage insurance. The reason for mortgage insurance is to protect the mortgage company in case of default and there is no risk to them when I'm at the equity position I'm in. I have even paid Devnmuehle to do another appraisal and they haven't done anything. That money is sitting in escrow. I am desperate for someone to answer me and help me remove mortgage insurance. I pay my payments on time and I fell like I'm being taken advantage of since the mortgage amount and the appraisal are where they are. I have talked to them probably 10+ times and get no where but to email someone and I have received one response saying something like I would receive a letter. I never talk to the same person and I'm not even talking to Dovenmuehle. Is there a way to talk to someone at that company to help me? Anything you can do would be very much appreciated and I can supply all emails and the attorney letter. Thank you, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Mortgage

On   XXXX   XXXX   XXXX     I contacted my mortgage company to alert them that not all of my taxes had been paid and were due by the end of  XXXX . They had paid all of  one county and part of the second county. I  made subsequent phone calls on  X/XX/17   ,  XXXX ,  X/X/17   ,  X/X/17   ,  X/XX/17    and  X/X/17    and sent emails and faxes to resolve this matter. I have supplied them with account numbers, addresses and the tax certificate that was presented to them after closing showing all the tax accounts and counties they are due to. I have spoken to several supervisors with the last  one  on  X/XX/17    who looked it u p on the county web  site while I was on the phone and said that he would request a check be sent  XXXX  on that following Monday to avoid a tax sale and he would work with the tax department to resolve it after that. He would call me back by Tuesday   XXXX    . I never heard from him. As of   XXXX     the taxes remain unpaid and have incurred over {$400.00} in unpaid penalties and interest.
Product: Vehicle loan or lease

I contacted Ally Financial about my auto loan that I fell behind making payments on during the pandemic. The car was repossessed after missing one payment, Ally Financial called me several times after repossessing my vehicle, harassing me to pay them. I explained the situation that I was in due to the pandemic and losing my job due to company closure. I called Ally a couple of months later asking how I could resolve the issue, they explained that they already charged the vehicle off and they have no record of the car being repossessed. This has damaged my credit as they have it on my credit as a charge-off, and now I have been without a vehicle for several months causing me to struggle with finding a job, and resulting in my hardly being able to pay my bills. The loan was halfway paid off when they decided to repo the vehicle. I owed XXXX on a XXXX loan.
Product: Money transfer, virtual currency, or money service

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

I have a high interest auto loan from Santander Consumer. I had a couple financial issues but have recovered and have been making payments some twice per month to keep current. In the interim, I am also working on fixing credit. When looking over my reports, I noticed a charge off on this very account that I am making payments on, they refuse to take this off my account and say they will not do it even when the entire balance is paid. Is this seriously legal? PLEASE HELP!
Product: Credit card

I had a Macys credit card which had been closed and I was paying off the balance. In XXXX 2017, my minimum balance was {$63.00} and I paid the entire balance by the due date. As far as I knew the card was paid off. I just happened to notice that I had an email from Macys with a balance due of {$6.00}. When I went back through my statements, I saw that in the XXXX statement ( generated after paying it off ) they charged me a fee of {$2.00}. The interest accrued said {$0.00}, but there were fees of {$2.00} and then they charged the same fee of {$2.00} in XXXX and again in XXXX. Since I do n't get paper bills and no longer use that email address, I was not aware this was even going on. I was not concerned since the account had been paid off. When I called them to inquire, they told me it was interest. I 'm not so sure how you can keep paying interest on something that was paid off, and the interest charge even said {$0.00}. I told them I was n't paying it and to fix the charge and supposedly they have reversed it which I have not yet been able to verify. But I ca n't help but wonder how many other people they have done this to.
Product: Credit card or prepaid card

AMEX had cancelled my CC account [ AMEC Card No. - Last 5 : XXXX ] as they had terminated their relationship with the alliance [ XXXX  ]. 

However, they had continued to charge me monthly/annual interest fees as well as some late fees. 
I understand that thee fees are not permitted once the grantor [ AMEX ] cancels the card. 

I therefore will not make any monthly payments on the account until the problem is rectified ; reimburse my interest and fees since the date of the cancellation.
Product: Vehicle loan or lease

This past Friday XXXX XX/XX/2019 I got a call from loan company Santandar consumer USA, that i needed to pay this amount since i couldn't pay the whole thing. I agreed to pay XXXX That same day I got a letter in the mail for repossession on XXXX XX/XX/2019. I just got off the phone with speaking with the representative that same day and hear comes a letter that followed for repossession. I tried to talk to them, but I dont what happened, I also agreed to work with them as well to get this issue resolved. That same night they reported my loan to the credit bureau for being late here.
Product: Checking or savings account

XX/XX/XXXX i deposit XXXX totaling my account to be XXXX dollars. on XX/XX/XXXX My purse was stolen from me, i file a police complaint, went to the bank to try to close my account but since i didnt have any ID due to my bag being stolen i didn't have any. I told chase bank that my account could be in danger but they denied helping me multiple times inside the branch. I later was giving a number to reach someone to help me with my account by phone which was XX/XX/XXXX, on that day i was told that my money from my account was removed, i than asked for a freeze to be put on my account and was told by chase bank that they will help found out what happen and who's responsible. I later received an affidavit, that was completed and sent back. i also sent my police report as requested multiple times an each time chase back office claimed they never received it which was sent by chase branch 3 times and i also sent it thru staples. i was told that my claim would be denied with or without the police report, and than was told that it was denied due to not having a police report from a manager named XXXX that gave me a call back which i requested.My account was robbed because chase bank denied to help me and the police in any way. i still have yet to receive a denied letter stating why i was denied my money back that they gave to a thief which i was told by chase bank claims department that one was made the beginning of XX/XX/XXXX. the bank did not ask for no ID from this person im not sure if it was male or female that chase bank gave my money too. i was told that the pin was verified and that was enough to ID release my money from my account. everything was in my purse including phone so i had no access to my account once i was roobed of my purse. chase bank needs to correct this mistake.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Complaint : Denied loan modification/refinance of real estate by Chase based on terminology ( mortgage vs credit line ) When I wanted to refinance the1st mortgage on my property in XXXX, it was suggested that I apply for a credit line instead, which I did. It is the only lien on the property ; it is effectively a mortgage on the property with the property as collateral. Fast forward past the economic downturn in XXXX and then further to loan modifications offered to certain property owners. 
I own two almost identical properties, only a few doors apart. They are XXXX rental properties. One is financed by a mortgage and I was contacted by Chase in XXXX regarding a loan modification at no charge to me and regardless if the property was worth less than the existing mortgage amount. The current rate after modification is 4.625 %. The second property mentioned in the first paragraph did not qualify since it is financed by a credit line ( at 7.75 % ). This property should qualify. And it should be modified/refinanced at a lower interest rate comparable to the rate on the other XXXX identical ) property. I would rather not oust the tenant and hurt my credit score by letting Chase foreclose on this property, but I can not continue to carry it without a lower interest rate. 
.