23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter last year stating that a card was opened in my name and there was a {$280.00} balance. I knew this wasn't mine and wrote a letter requesting a list of charges. All of the activity was in Arizona. I do not live in Arizona and I have never been there. During this same time, another account opened in my name as a result of fraud, fortunately I was able to successfully dispute it. 

Looking into the account, I realized that I was not contacted until almost a year after it was opened. I contacted the debt collector and did not get far with them. During the phone call they could not identify me. They asked or my current and past addresses, as well as my phone number. No of my addresses matched what they had on file and they stated they were unable to help me because they could not verify my identity. 

A couple of weeks ago I tried to dispute using XXXX  and they disagreed. 

I received a letter with an offer of paying {$160.00}, which is not a lot. However, I do not wish to pay and they consider the payment is me admitting that this is my debt. I have exceptional payment history for my other accounts and this makes my account look bad because its a collection and shows up as multiple late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on Transunion, XXXX and XXXX are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC has been  reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602 A state I have the right to privacy.

15 USC 1681 Section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Im 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 balance despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Debt collection

I terminated my account, paid all the fees and my balance and was told i was settled. a week later I got a call stating that I owed over {$500.00} and they could not give a definite answer as to why
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have removed a Public Record listed on my Equifax Credit Report. This Public record is inaccurate. It states First Reported XX/XX/2014 however This item was not filed or listed prior to XX/XX/2014. I have disputed This Item several times however it continues to be verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart rejected a credit application several months ago. I received a prequalified certificate in the mail in XXXX. I called on XXXX XXXX and asked would an additional credit report be ran and the representative said no. Based on that answer I accepted the offer. 

The application was again rejected and an inquiry was made to reduce my score.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account SPRINGLF FIN which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that SPRINGLF FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove all negative accounts which I listed in Identity Theft because all accounts are not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I do not believe Navient is amortizing the payments correctly. I 've been paying for over 2 years and my principal balance has only gone down about {$1100.00} and I pay {$50.00} per month extra
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violate 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 was unfair and defective as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E these actions has caused significant inconvenience and financial loss
Product: Credit card

On XX/XX/XXXX a filed a complaint for charges made to capital one from my XXXX checking account. XXXX did not initiate the transaction, Capital one did. After my regular monthly payment, an extra payment of {$100.00} was requested by capital one to someone else 's account every month going back to XX/XX/XXXX. Capital one does not give information about where the payment was credited to. Capital One states that the bank is responsible. The case was closed an Capital One did not provide any information that the case was closed on XX/XX/XXXX until I called them on XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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. My name should only be listed as XXXX XXXX XXXX. any other name is Fraudulent. Also the only address on my report that should be on any on my three reports is XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the accounts that need to be deleted are ; XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 : no 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 seven years. 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: Mortgage

During the pandemic I missed a payment and entered forbearance. In XXXX I came out of forbearance and the company offered me a loan modification to get caught up with my missed payment! I made the three trial payments they required and now they are telling me I don't qualify and are trying to charge me late fees!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 


XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$130.00} XXXX XXXX XXXX XXXX XX/XX/year> {$220.00}
Product: Credit card or prepaid card

XXXX XXXX XXXX. 
XX/XX/2020. 

To : CFPB. 

I received an e-mail on XX/XX/2020. 
It looked like it was from CHASE credit card. It said : Urgent : of in-line Banking information. and We have detected an irregular activity on your account and we are placing a hold on your account for your protection. Click Here to verify your account. 
My husband clicked on it and disclosed my name, address, Date of birth, SS number, Drivers ID no. Chasecredit card Password, telephone no. Etc. The information went to the sender. I then called CHASE and told them what happened. They said it was fraud. 
They canceled our credit cards and promised new cards. We changed our password. 
We are afraid of what might happen to us. 
We want your advice please. 
XXXX XXXX XXXX.
Product: Mortgage

Hello, I Received one letter from XXXX XXXX XXXX at the end of XX/XX/XXXX states the Mortgage is transferred a month ago, to XXXX XXXX XXXX from previous lenders : XXXX XXXX XXXX In the letter sent by XXXX XXXX XXXX the principal Balance of the loan is : {$340.00} of which is not matched. On XX/XX/XXXX, my principal home loan was XXXX as recorded by XXXX XXXX XXXX lenders. 
Also, one payment dated XX/XX/XXXX for XXXX is posted for a loan payment, Since XXXX XXXX XXXX [ ownership ] assign to XXXX XXXX XXXX as a new servicer supposedly is posted in their account number : XXXX. 
In advance I am attaching a document from my exiting modification on XX/XX/XXXX from XXXX XXXX XXXX Also, a history of the recently Payment made to the previous servicers including statements from them [ XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regarding XXXX credit card. I had wallet stolen in XX/XX/year>2023. I asked XXXX to send new card to my XXXX address. They changed my statement address as well, which I did not ask.. I wanted my statements going to same address at Florida address where my bills are paid. I did not pay a statement because I didnt get new statement at my XXXX address. XXXX then reported to TransUnion I was late oayment and it dinged my credit score from XXXX to XXXX. It really hurt my score. I called and disputed this with XXXX but they said I asked for statements to be sent to my XXXX address and this is NOT true. XXXX did this without my authorization. I want the recording and proof from XXXX that they said I asked for statement address change. 
They have refused to correct this report of XXXX late payment ( due to statement changed they did ) and hurt my credit score terribly!!!! I want this corrected and that is why Im reporting them because they are not cooperating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Product: Checking or savings account

My XXXX account was in the negative after Wells Fargo took money out of my account and did not replace. After several calls with no answers or resolve from Wells Fargo I contacted the XXXX XXXX XXXX. After The XXXX  was contacted Wells Fargo then closed my checking account but XXXX my XXXX account open. They never did return my {$2600.00}, but they did wave the negative debt they accused me of oweing them with no additional explanation. At the time I had purchased a XXXX car and applied with Wells Fargo to have it refinanced. I was approved, and then XXXX days after, they called and said they did not approve me. I applied for a XXXX XXXX XXXX loan all of which were denied. Although I did have a XXXX  account with another bank I did not have a loan with the other bank just an account. Please advise what can be done. It was XXXX that I had my XXXX account. I still currently have a XXXX with the bank. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX had an error on my XXXX XXXX XXXX XXXX. They Had put that I missed 2 payment 's Which is incorrect it's on autopay. I provided them with the copy of the monthly autopay from there financial website. 
Even then after providing them with the information they had my car towed. Costing me to pay {$1.00} for XXXX comes to find out it was not for late payments it was for excise tax in the state of Massachusetts and I haven't received any notice on the mail. Notice I have two Vehicles lease with them never had any problem the second car is a XXXX XXXX XXXX 
After the issue I ended up also having to pay for the tow that was {$350.00}. So {$350.00} for tow {$1500.00} for Reinstatement fees according to them and the excise, which I haven't received any notice in the mail or haven't got taken out of the autopay that they have with my bank account. So my vehicle got repossessed for not making payments is not correct. It was not sent to me the excise tax for some reason and they also marked my credit report for 2 missed payment 's on my lease payment 's Which is incorrect. They claimed they can't fix the error.
Product: Credit card

Dear whom it may concern, I did nothing wrong, but discover closed my XXXX discover credit cards without even a notice. That really frustrated me and caused my inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis back in XXXX and XXXX and XXXX to advise them of the reporting they submitted to all 3 Credit Bureaus concerning public records not given to them by any entity from the U.S Bankruptcy court in Illinois. I was advised by Lexis Nexis that they show no public records for me and that they would advise all 3 credit bureaus of this information it is now XXXX and XXXX  and XXXX are still showing public records listed on my credit report. XXXX has removed but the refusal of XXXX  and XXXX  to remove this information as in their words based on the information they received from Lexis Nexis. On my XXXX  it says open investigation which has been open over 60 days with no resolution and XXXX  refusal to remove the information as well. I ask that Lexis Nexis contact these entities and correct the information they sent over to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted Freedom Mortgage to correct this reporting with no resolve.
Product: Vehicle loan or lease

XX/XX/XXXX Covid happened. I called Wells Fargo Auto and asked if there was any way I could get any help with paying my car payment as I had just lost my job, as did my husband. The WF agent told me I could have a 3 month deferment and I accepted that. So my next payment, as I was told by wells fargo, would have been due on XX/XX/XXXX. Since I still wasn't working, I called again and was told I could have a three month extension of my deferment, which I also accepted. So now my next payment is not due until XX/XX/XXXX. On the morning of XX/XX/XXXX, I walk out to my drive way and the only thing I see are 2 black skid marks where my car was and is no longer there. I called the police department thinking my car had been stole. I was told that my car was repossessed by the lender. I called Wells Fargo multiple times that day and the next three days until I finally got someone on XX/XX/XXXX, in the executive office and they admitted their mistake. I was sent a letter to bring with me to the place where my care was towed stating that I was to be given my vehicle back and I was not to be charged anything. I did go to retrieve my car. I was treated like some kind of criminal and made to stand outside in the hot XXXX Florida sun in mid XXXX  for over 2 hours while they " waited for someone to come and unlock the impound yard. '' I made a loan payment on XX/XX/XXXX and they applied it to my account and then removed it but I did not get that money back. I called in XXXX  to find out what happened and they said, " you don't owe a loan payment. '' I was stunned. Then they told me my next payment was due on XX/XX/XXXX. I did not believe them so I made a payment in XXXX. I did miss payments in XXXX XXXX XXXX because of the unemployment problems in Florida, I did not receive unemployment those months. When I did get a large deposit of unemployment in XX/XX/XXXX, I brough my loan account current. In XXXX, they called and said I was behind again. This nightmare went on until XXXX of XXXX! I finally emailed a VP at Wells Fargo through XXXX XXXX. I got a call back the next day. At that time, because of the poor accounting, my account was brough current AND I received a credit for the damage done to my driveway and my tires by the illegal repossession. All told {$1100.00} was credited to my account. When I learned that Wells Fargo reached a settlement and I was potentially owed for the illegal repossession of my vehicle, I called the executive office and was told, " we did that as a courtesy, your repossession was completely legal! '' Please help me
Product: Debt collection

Requesting Citi bank to provide by mail the original note of their alleged debt that they are reporting to the credit bureaus under my name to be mailed to me at my address with all statements on this account. Failure to provide the original note per legal law. Only the original note holder is allowed to collect a debt. Failure to produce all these original documents will be considered violations under law. And the continuing of all credit reporting to the credit bureaus as well.