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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported a collection account. I contacted them to open a dispute. I contacted the company reporting the collection. Neither the collection agency, nor the original debt holder have any information on me in their system, yet Experian maintains the erroneous information after their 'dispute ' resolution. 
This is not my account, yet all of my real accounts are being affected by this drop in my credit score.
Product: Student loan

Sallie Mae continued to contact my wife 's phone number after I specifically asked them to remove the number during a phone call regarding the student loan on XXXX XXXX. I had called them on this date to settle the account and attempt to pay in full. Between the dates of XXXX XXXX to XXXX XXXX, they contacted her at least 27 times, and again on Monday XXXX XXXX, she asked them to stop calling her. The evening of XXXX XXXX, I paid the account in full online and since the harassment has stopped.
Product: Credit card or prepaid card

I have synchrony card ending XXXX.I had promotional purchase with remaining balance about {$700.00} .On XX/XX/XXXX, I have called customer service and asked if paying remaining balance on XX/XX/XXXX will prevent me from occurring interest. The answer was yes. 
I have paid {$800.00} on XX/XX/XXXX and it was cleared the same day. Nevertheless, Synchrony charged me interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that this account was illegally re-aged. 

Equifax also lists this CLOSED account as OPEN and continued to report positive payments on a closed account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXXXXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Wells Fargo Bank, Last month I cancelled the credit card and close the account related to this credit card because I have lost the card. After one month there is a rental cars agency company called XXXX have the information for my old credit account number because I rented a car from them. I got in to a car accident and was hospitalized for about 15 days. My insurance company XXXX should take care of the charges related to this vehicle because the car was totaled. After one one month which is today XX/XX/2021 I was surprised with charged made by bank Wells Fargo and the beneficiary was XXXX rental car amounted {$2700.00} and the illegal action that was done by Wells Fargo they authorized the transaction and made it through after the fact I cancelled my credit card a month go. Additionally, my bank authorized the transaction and back dated to XX/XX/2021. It's illegal for them to charge a credit card that is already cancelled and closed. I want my money back because they broke the law and regulations and charge a closed account {$2700.00} to XXXX. All phone calls are recorded between me and the bank so I know I am protected XXXX percent. I want my money back
Product: Checking or savings account

Someone fraudulently opened a checking account in my name at Wells Fargo Bank then transferred half of my savings into thst account. I do not own a checking account with this bank, only savings. I do not bank online or have a debit card. I jave been trying to get this investigated. After XXXX trips to the bank and literally several hours on the phone I still was unable get confirmation of an investigation or when I will receive my money back. I am a senior and no longer feel safe banking with this company. Its been over XXXX  months and I am getting the run around and no one is on the same page. I feel violated! Left XXXX messages with branch manager and he never responded.
Product: Debt collection

CCS Debt collection agency is trying to collect money from my for XXXX XXXX XXXX XXXX and XXXX XXXX canceled my auto insurance back in XX/XX/2023 and now they sold my information to the CCS Collection agency and by law I haven't given them permission to collect anything on my behalf and everytime I file a dispute with All the Credit bureaus they delete it off one bureau and put it on another one as if the account is still open. And that's not true this was car insurance and it has no business on my credit report period and I want this removed from all XXXX credit bureaus immediately or I will be filing a lawsuit CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX This is showing currently on my XXXX and XXXX credit report totally illegal
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into all of my accounts transactions.
Product: Credit card or prepaid card

In XXXX XXXX XXXX, I made a payment on my Barclays credit card. The amount was for {$750.00} which was the total balance as I pay off my credit cards each and every month. After making the payment online and on time. I received a notification from XXXXXXXX XXXX which stated that the account was sold to them and that I owed them {$750.00}. I told them that I had already paid the account and that it was made out to Barclays bank as they were the current owner of the time that payment was made. I was then sent back forth between Barclays Bank and XXXXXXXX XXXX in regards to the payment. XXXX stated that they never received the payment and that if I didn't make a payment they would report me late. Because my credit is impeccable I didn't want to chance it. So I made an additional payment to XXXXXXXX XXXX in the amount of {$750.00}. I then filed a complaint and was told that an investigation would be started to resolve it. I ever provided both Banks with copies of the initial payment that was sent to Barclays back in XXXXXXXX XXXX XXXX. It is now XXXX and I'm still out {$750.00} as a result of there inept ability. I contacted Barclays Bank just last week and spoke to a Supervisor for over an hour trying to resolve it. The supervisor conveyed to me that it would be resolved in under 24 hours after speaking to her. Several days later I received an email stating that the account was sold by Barclays Bank and that will not investigate any further. This is XXXX! I called Barclays Bank back was told too Bad I need to contact XXXX XXXX since they are now handling the account. When I called XXXXXXXX XXXX back they said it's matter with Barclays. In other words, I've been given the complete runaround and I'm at my wits end. I tried taking civil action against Barclays Bank. However, they don't even have an agent for service in regards to small claims matter. I really need your assistance. Thank you in advance XXXX XXXX
Product: Credit reporting

All credit reports show that I live/lived in Texas, I have never lived in Texas.
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. I am uncertain about the reasons for the reported late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting

I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from. This prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies, multiple instances, from multiple collection companies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. They are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.
Product: Mortgage

Wells Fargo Mortgage has been misapplying additional principal payments on our mortgages for the past 20 years. 

We have contacted Wells Fargo Mortgage several dozen times and have requested that our payment logic be updated so that any additional funds received are applied to principal and not to pre-pay interest. We have called to confirm that our standing payment instructions are to to date several times. 

Wells Fargo Mortgage frequently and systematically removes our payment instructions so that payments are applied to pre-pay interest and not to pay down principal. This has occurred on there different mortgage accounts over the last 20 years. 

This issue has occurred twice this year on our Wells Fargo Mortgage. After calling into the customer service center we discovered that our payment instructions have again been deleted.
Product: Debt collection

I found out from a 3rd person company that I was being civilly sued. I checked it upon public records that I missed 2 hearings already
Product: Debt collection

In XXXX XXXX we were served with court documents indicating that XXXX XXXX and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed XXXX XXXX. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to Cohen, McNeile and Pappas on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, Cohen, McNeile and Pappas, counsel for XXXX XXXX erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for XXXX XXXX provided XXXX XXXX Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to Cohen, McNeile and Pappas, counsel for XXXX XXXX, making counsel aware of the error Cohen, McNeile and Pappas made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to Cohen, McNeile and Pappas ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing XXXX Statements ( validation ) for XXXX individuals that are not related to the case filed against us by XXXX XXXX. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. Cohen, McNeile and Pappas represents XXXX in this case as well as many others, giving them access to XXXX 's Consumer information. XXXX XXXX does not represent XXXX XXXX in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
Product: Mortgage

My name is XXXX XXXX. i have a mortgate with Bank of America. I have made several attempts to have the PMI removed from my property. The balance on mortgage is XXXX XXXX XXXX dollars and the property is appraised at XXXX and they will not remove the PMI I have been paying for years. {$110.00} per month. 
I have nort recieved anything relating to drop this PMI. When i spoke to a Manager they said I would have to pay {$150.00} for them to look into this. I do not know what to do for them to drop this PMI. 
On the website it actually gives you the amunt the house is worth. 
Please see attached documents 1. Shows the property value 2. Shows {$110.00} Escrow PMI every month
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. 

XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, DEPT OF ED / XXXX : # XXXX, has violated my rights. 


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. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any conusmer report containing any of the following items of information Any other advers item of information
Product: Credit reporting or other personal consumer reports

XXXX accounts on my credit report with the same account number with different companies XXXX is reporting the same account number. 
Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$880.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$880.00}
Product: Mortgage

I received an Escrow Account Disclosure Statement dated XX/XX/XXXX indicating an escrow shortage of {$3900.00}, making my monthly mortgage payment increase from {$1500.00} to {$1900.00}. This is highly unexpected, as my taxes did not increase by {$3900.00}. During multiple calls with the mortgage company ( on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I tried to explain that the shortage is likely due to the fact that the mortgage company made a disbursement in XX/XX/XXXX of {$4800.00} which is the entire tax bill for the year, instead of making quarterly tax disbursements as the mortgage company had done in the past. The mortgage company did not seek my consent to making a yearly payment instead of a quarterly payment. Even after agreeing to go back to making quarterly tax payments, when the mortgage company did a new escrow analysis, they found my escrow shortage to be {$280000.00}, which is still puzzling as my taxes did not go up by that much. The mortgage company is spreading the shortage over 60 months, but still, I do not understand why the shortage is so big. I am afraid the mortgage company is charging me more money than they should be. For reference, my taxes have been {$4900.00} in XXXX, {$4800.00} in XXXX, and {$4700.00} in XXXX. And my escrow shortage has been {$250.00} in XXXX and {$190.00} in XXXX.
Product: Debt collection

The CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX is not complying to FCRA 's law. Furnished accounts must be reported 1005 accurate. Why is it that the balance of this account is higher than the high credit? It is completely INCORRECT. Cleary this furnisher is taking advantage from me. This matter must be addressed immediately because this is damaging my credit scores. Provide me documents showing that this account is legal and is not practicing an illegal act towards FCRA.
Product: Credit reporting or other personal consumer reports

Dear Collections and Consumer Relations Department, This affidavit request pertains to the recent verification by Early Warning Services , LLC, regarding an alleged debt with XXXX XXXX XXXX XXXX under my name, XXXX XXXX XXXX XXXX I am formally requesting that you provide, within fifteen ( 15 ) days, the specific details and evidence supporting your verification of this debt, including a description of the procedures used to determine the accuracy and completeness of the information provided by XXXX XXXX XXXX XXXX XXXX 

Please address the following items as part of your response : Verification Methodology : A detailed account of the verification process you employed to verify the debt with XXXX XXXX XXXX XXXX, including any methods or tools used. 

Evidence and Documentation : Copies of any documents or records used to verify the alleged debt, including but not limited to : Any contract or agreement that includes my signature, confirming my legal obligation to this alleged debt. 

Communications or documentation provided by XXXX XXXX XXXX XXXX that substantiate the claim. 

Contact Details : The full names, addresses, and contact numbers of the representatives at XXXX XXXX XXXX XXXX who were involved in the verification process for this account. 

Please be advised that in the absence of proper documentation or failure to comply with federal regulations, I will take further action as allowed under the Fair Credit Reporting Act ( FCRA ). 

I am also prepared to pursue this matter legally, should you fail to provide the requested information in a timely and satisfactory manner. 

This affidavit serves as my final request for documented proof of any legitimate debt. I maintain a careful record of my communications with Early Warning Services , LLC, and may file a formal complaint with the FTC, CFPB, and the state Attorney Generals office if necessary. 

Thank you for your attention to this matter. I look forward to your prompt and thorough response, including the requested documentation. 
Sincerely, XXXX XXXX
Product: Debt collection

I have been contacted by a debt collection agency. Cavalry Portfolio Services LLC, XXXX XXXX XXXX XXXX XXXX The last communication was sent to me on XX/XX/XXXX stating that I owe a debt from XXXX from XXXX XXXXXXXX XXXX XXXX XXXX for {$2800.00}. Mind you the amount has changed a few times. I have responded to this company several times to advise them that I do not owe this debt and that I am being ignored. My last response was sent on XX/XX/XXXX asking for any information on the original credit card company. Anything to validate this debt. They will not share any of this information with me. Therefore, I reached out to XXXX XXXX  XXXX to see if there is any information on the account. The account number can not be found in their database as I was told this is an invalid account number. I have also provided my social security number with XXXX  XXXX XXXX and they can not validate any accounts that I have ever had with them. I ask for them to send this information in writing. The above company XXXX XXXX XXXX XXXX XXXX ) has not sent me any documentation to respond to their complaint accordingly ( validation of debt ). They are also ignoring the responding letters that I do not owe this debt. I have never used this card or seen a card. I have filed a complaint with XXXX, and filed a police report about this matter, reported this to my credit bureau as well. The creditor has not contacted me to dissolve this matter. I was a victim of identity thief from XXXX / XXXX and believe this is a result of it or the above company is making up account numbers. If this is an account from this period, I want answers so that I may dispute this matter properly. Please don't let them do this to you. Fight for your rights and don't be a victim of identity theft or allow a company to falsely accuse you of a debt that is not yours. I would like Cavalry Portfolio Services to dissolve this invalid credit card debt. Remove my information from their database and stop contacting me. XXXX & XXXX I ask the same. If they can not do this please provide where this account originated, when and where the account was used, and documentation where I signed anything to confirm this is my debt. I request credit card statements, and any payments made on this account.