23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of inaccurately reported accounts on my credit report, despite many attempts to have them removed. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my XXXX XXXX and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the removal of the accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me remove these accounts immediately : XXXX XXXX XXXX XXXX : {$XXXX} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX : {$XXXX} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance Owed : {$XXXX} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX XXXX XXXXXXXX Balance Owed : {$XXXX} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why an {$XXXX} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 

XXXX XXXX XXXX XXXX : {$XXXX} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX XXXX Balance Owed : {$XXXX} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX  XXXX Balance Owed : {$XXXX} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$XXXX} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card or prepaid card

On XX/XX/23, I attempted to apply for a payment program with Affirm.com. When I entered my information, I learned that someone had already opened an account using my information. I immediately contacted the fraud department and filed a complaint but was told that no information can be provided to me to protect the identity of the person who stole my personal information.
Product: Debt collection

Recently, I have been receiving information from my financial accounts - banks and credit card companies - that there have been several new delinquencies reported on my credit report that could possibly be frauds. Also, just recently, I have been receiving letters from Portfolio Recovery Associates , LLC. and other recovery companies about delinquent accounts. 

These delinquent accounts are not mine. I have several credit accounts and they are all paid on time. My credit score has fallen dramatically because of these erroneous reports. 

What recourse do I have to resolve this matter?
Product: Checking or savings account

Huntington Bank ( HNBHSC ) have sold my credit report to XXXX third party collections without my authorization and consent. Huntington bank has filed this debt as income so why am I responsible to pay debt from a third party collections when this company shouldnt have my credit report. This is a crime being committed Huntington bank doesnt have the authority to commit. I contacted Huntington bank XX/XX/XXXX I was told my information was sold to a third party collections named apelles in the amount of {$370.00} but on my credit report its being reported paid each month until XXXX in XXXX, but as of XXXX XXXX, XXXX, and XXXX its being reported as data unavailable far as the payment. This is affecting my credit report and score the reporting is inaccurate it reports 1 late payment which is a derogatory account but it shows many months data unavailable which is inaccurate. The status on this account shows paid ; or paying as agreed also past due amount it shows {$0.00} so how am I owed debt in the amount of {$370.00} I ask that the CFPB review this information and remove this inaccuracy from my credit report immediately
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Credit Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Mortgage

I have a mortgage with NewRez/shellpoint mortgage. They purchased the loan from my prior lender. I received a letter my terms are the same as originally signed in loan documents. On XX/XX/2020 my homeowners insurance was due. It was NOT paid. I contacted them XX/XX/2020 asking why payment was disbursed from my escrow account that has ample funds to cover the policy Amount. Also let them know the insurance company would need that payment before XX/XX/2020. On XXXX received an email and letter stating they will look into it. XX/XX/2020 I emailed why payment still hasnt been made. They stated they would resolve it and apologized. On XX/XX/2020 I received an email stating they incorrectly were told by prior lender that I pay that on my own- A self admitted mistake. I then said that was not my original loan terms and moreover why would escrow account exist if I pay that myself. The Insurance policy was canceled. And had to be rewritten. Now its just about Doubled in price this year and foreseeable future. Im so irate. Then I get a letter my property taxes has NOT been paid either. I spoke with numerous reps and managers on XX/XX/2020. They state they will cover any overages and fees but need to get okay from another internal department to cover those costs. Its XX/XX/2020 and I still havent gotten a reply. My home is in peril without insurance. They are incompetent and nothing gets resolved. I was told a check was issued to state tax Dept. Yet they cant provide check info or date. Also its not a personal check where its written and funds withdrawal after its cashed. Its an escrow account. Funds are withdrawn from my escrow then a check gets issued. They have put me in such a mess with no answers. Ive filed complaints with XXXX  and their company. I need help to hold them accountable. Thank you
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. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and EQUIFAX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX
Product: Student loan

Well since XXXX XXXX2024 I have been making my payments for my parent Plus Loan to The US Department Education because Ed Financial kept reversing my payments and they say on their web site that payments can be made to The US Department of Education . All was going good, payments posting on Ed Financial no problems. Come XXXXXXXX XXXX,2024 {$330.00} and XX/XX/scrub> 2024 {$330.00} payments made to The US Department of Education they were deducted from my bank account by EFT but where never posted to my Ed Financial account. Spoke with Ed Financial at the end of XXXX on why payments have not posted to my account. They requested that I send proof of payment from the bank. All information was sent on XXXX XXXX2024 I have yet to hear back from them and my account has not shown the payments as of today XXXXXXXX XXXX,2024. So for my XXXX payments I went through both Ed Financial and The US Department of Education. The US Department of Education payment {$330.00} went through again and did not post on Ed Financial account again. So I paid on the Ed Financial site again {$330.00} and it was reversed again. So they are showing my account delinquent when payments are being made and deducted from my bank account.
Product: Debt collection

XX/XX/2023 I submitted a dispute, asking to verify or delete portfolio account because I do not recall having this account open. Credit report states that account has been disputed after XXXX XXXX XXXX. I completely disagree with the statement because I have not received any verification of any sort stating that Debt is mine. I am not refusing to pay this debt, but I am saying that I do not recall having this debt, for that reason I demand that you provide some sort of document stating that they debt is mine. Plus, account is stating as derogatory open and in collection all at the same time this is not possible.
Product: Credit reporting or other personal consumer reports

The information I have with equifax has been breached. They refuse to remove the inaccurate information after finding out I was a victim of their data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting a debt being charged off on my credit. I've been in contact with Wells Fargo to resolve this matter they have been unwilling to settle the debt or update my three credit Bureaus XXXX, XXXX and XXXX reflecting a O balance. 
I'm being held hostage by Wells Fargo Bank and discriminated against because of the way they are reporting this debt that they say they can't collect or update balance on my credit. I need to clear this debt up because of employment opportunities.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

I, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX XXXX. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX XXXX  failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports.
Product: Student loan

In early XXXX I called FedLoan Servicing to get switched to Income Based repayment. They said they would send me forms and I never received them. I then called in late XXXX and they told me to complete the process online. I then completed the process online. On XX/XX/XXXX, I got an email from them saying they were missing documentation of my payment history. On XX/XX/XXXX I emailed them back after I verified the document they claim was missing was part of my upload package. I never received an email back. On XX/XX/XXXX I then received an email saying my recertification would not be processed until XX/XX/XXXX but, I had not applied for recertification, I had applied to be put in the IBR program. Currently my loans are delinquent because I can not afford the " standard '' repayment. The servicer has not responded to any of the emails I sent and are unhelpful when I try to contact them in any other fashion. I applied to be put on IBR jointly with my wife 's and we are both having this issue.
Product: Mortgage

I reached out by email to Freedom Mortgage loss mitigation on XX/XX/XXXX -asking to please provide a breakdown on a XXXX partial claim. 
I didnt get a response so, I called Customer Service they put in two separate request for someone in underwriting to call me- 1 call was supposed to happen on Tuesday after XXXX XXXX. The 2nd call was supposed to take place on XX/XX/XXXX I-never received a call. 
Finally I called back - talked to someone in loss mitigation-that person was still Not able to tell Me how Freedom Mortgage came up with XXXX. in the recorded call, he stated their was no breakdown spreadsheet attached??? 
The statement I received from him dated XX/XX/XXXX & XX/XX/XXXX show my outstanding principal going from XXXX down to XXXX which is a difference of $ XXXX. 
No one at FM, including my attorney can figure how they came up with XXXX! I would like to what was added up to come up this this amount. I have a closing date set for XX/XX/XXXX and this is a high amount I wasnt aware of. I did call XXXX for help but never signed a sheet that reflects XXXX. Yes some forms were sent to me XXXX but no dollar amount was on any of the forms I signed that were notarized. I never would have agreed to such a large amount without pulling out some cash or something. Please explain this XXXX.
Product: Mortgage

Provider bought mortgage and paid for lender placed insurance that was in place and coverage until XXXX/XXXX/17. continued to charge me the escrow amount. then claimed no insurance and place another policy charging me an outrageous fee and doubling my mortgage payment. when i was made aware of the problem and provided an active policy they stated it was not valid and refused to accept it. i obtained outside insurance and they credited only part of the lender placed refund with no explanation on the amounts. i have tried to get this resolved with no results.
Product: Debt collection

I moved out of XXXX XXXX XXXX, located in XXXX XXXX XXXX, Nevada, on XX/XX/XXXX. Upon leaving management came up with a fake claim that I left the apartment damaged. In my 18 months of living there and having several inspections for random things like maintenance or routine checks, I never received any complaints or warnings or anything about the condition of my apartment. I left the apartment exactly how it was rented to me. However they claimed I owed {$2000.00}. They notified me of this two days after I left the apartment. I asked them for proof of damages. Show me pictures or receipts from the repairs to fix the damage that I supposedly caused. They did not produce any pictures. After a month of trying to force me to pay this debt, they reported this debt to NCC Business Services ( debt collectors ), located in XXXX, Fl. Despite it being on my credit report and rental history, I still refused to pay a debt that was basically fraudulent activity by XXXX XXXX XXXX. So time went by and I eventually did some research. According to the Nevada Statute of Limitations, NRS 11.190 ( 1 ) ( b ), after 6 years, a landlord can no longer seek a debt from a tenant. I contacted NCC Business Services ( debt collection agency ) the first week of XX/XX/XXXX to let them know, they can no longer attempt to collect this debt on behalf of XXXX XXXX because the 6 year statute of limitations on written contracts has expired. The woman I spoke with ( all calls are recorded ) told me that her records show I moved out XX/XX/XXXX. She then went on to say we didn't receive the information until XX/XX/XXXX. So she argued technically the 6 years has not been reached. I responded to her saying if your records show I moved out XX/XX/XXXX, then yes, the 6 years has passed. Again, I contacted her the first week of XX/XX/XXXX ; definitely after XX/XX/XXXX. But nevertheless, she insisted the 6 year mark would not occur until XX/XX/XXXX. On my credit report, it states the debt waa reported XX/XX/XXXX. So even though, the debt was given to me two days after I left XXXX XXXX, by XXXX XXXX XXXX management, NCC Business Services ( debt collection agency ) is basically acting as if the debt did not occur until they received it from XXXX XXXX XXXX on XX/XX/XXXX. So, I stopped arguing and waited. On XX/XX/XXXX, the account was closed. I was thrilled to have it closed. However, on XX/XX/XXXX, it was reopened!!!! So I contacted NCC Business Services ( debt collection agency ) and XXXX tells me that even though we received the debt on XX/XX/XXXX, we didn't process the paperwork until XX/XX/XXXX. This is wrong and illegal!!!! 6 years has passed since I left XXXX XXXX Apartments. Period. The fact that NCC Business Services and  XXXX XXXX are still trying to collect a debt is illegal pursuant NRS 11.190 ( 1 ) ( b  ). A landlord can not attempt to collect a debt from a tenant on written contracts after 6 years. The 6 year window starts 30 days after the last full payment of the tenant. That would have been XX/XX/XXXX. NCC Business Services is breaking the law!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Money transfer, virtual currency, or money service

The Coinbase company states it has completed a payout to me of {$210.00} to my bank XX/XX/XXXX, which would be estimated to be in my account by XX/XX/XXXX. 

I have not received any money, email, or response to my 10+ email requests sent in to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX  Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX
Product: Debt collection

In XXXX I had numerous issues with XXXX ( XXXX ) billing and it would take me hours and even days to clear up the issues. I had been treated very poorly by XXXX representatives. XXXX ( XXXX ) was billing me on behalf of XXXX ( XXXX ) so XX/XX/XXXX I asked XXXX to stop billing for XXXX and contacted XXXX to begin billing me directly. XX/XX/XXXX, I paid {$130.00} to XXXX. XXXX tried to bill me same amount ( {$130.00} ) that had already been been paid to XXXX. I received a letter dated XX/XX/XXXX from Central Credit Services ( CCS ) that I owed XXXX {$130.00}. I called CCS and spoke with XXXX who said to send proof the debt was paid. I faxed the proof XX/XX/XXXX. I pulled my Experian credit report on XX/XX/XXXX and found that CCS had reported the debt to XXXX ( and probably the other credit reporting agencies. ) I called CCS and XXXX spoke with XXXX then XXXX ( the first rep I had spoken to in XXXX. ) I asked XXXX why the debt showed up on my credit report when I had sent proof of payment in XXXX. She said that I still owe the debt to XXXX even if XXXX was paid. There was no indication that the proof had been forwarded to XXXX. I argued I did n't owe XXXX but XXXX repeated I did. I asked why I was n't contacted and told this after I submitted my proof of payment in XXXX. She said she had been out on XXXX leave. I asked if her desk was covered while she was gone and she said no. I believe this to be unfair collection practices and that I was lied to by XXXX. As I have a pristine credit report, I am livid this ended up on my credit report. So not only does XXXX try to collect on a debt already paid, but they involve Central Credit Services to harass the debtor.