23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Comenity closed my XXXX account several years ago but I still had a balance. I have been paying the min payment of {$30.00} for years. I noticed in XXXX that my balance was {$32.00} so I decided to pay over the min payment of {$30.00} and just pay the balance on the due date. I submitted a manual payment and stopped my auto pay since now the balance was XXXX. 
I got an email today saying I needed to make my payment for {$2.00}. When I logged in, I checked my statement and it says this is the minimum interest charge. I feel this was an error since the account has been closed for years and I paid the balance in XXXX. 
I called the card company, explained this- we agree that the account is closed, and I paid the total balance due on the due date. However- they are trying to tell me that I owe the {$2.00} because of " residual interest '' and its from an old purchase. I do not accept this explanation and I told them to XXXX out the account and remove the fee since the account is CLOSED. They were unable to do this. I advised I would be making a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and noticed 2 accounts from XXXX XXXX XXXX. One is a Credit Card account opened in XXXXXXXX XXXX with a balance of {$5000.00}, and the other is a loan account opened in XXXXXXXX XXXX with a balance of {$2600.00}. I have never heard of this company, nor had any credit card or loan accounts with them or their original creditors. I am a victim of Identity Theft and these accounts are fraudulent.
Product: Debt collection

I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion credit bureau are falsely reporting a collection to my credit history. Account listed I have no record of and my XXXX bill is paid and current and has been for many years. Furthermore Ive never authorized given or allowed XXXX XXXX XXXX to have any of my personal information including address date of birth Social Security number so on. or access my personal credit report. 

I believe that the collection account is a mistake a fraudulent account identity theft or simply belongs to someone with a similar name.
Product: Debt collection

An account appeared on my consumer report without any notice and knowledge to me. I was sent a letter dated XX/XX/XXXX from Caine & Weiner ( deceptively hidden ) in attempt to collect a debt of {$230.00}. This account is listed as being opened XX/XX/XXXX on my credit, but I am getting first correspondence of this debt in XXXX, a clear FDCPA violation. had never heard of this company and I did not know the account they're referencing so I reached out to request further information and deletion of this inaccurate account from all national credit bureaus. I sent my letter requesting validation of this debt dated XX/XX/XXXX. My letter detailed the timeline of this debt and it's illegal reporting, it also requested further information into this debt and a full investigation of the origins with written findings produced. I have been met with no follow up response, a letter to confirm receipt of my dispute and this investigation being open and this account is still reporting to my credit illegally without sufficient proof of valid debt.
Product: Bank account or service

TD Bank offered me a {$300.00} bonus to open a new personal checking account online. 
Bonus was contingent on the fact that I NEVER had a checking account at the institution. 
I called the bank to verify that I would qualify, since my only account at TD was a safe deposit box rental approx. 4 years ago in XXXX, Pennsylvania. 
I was told that I would indeed qualify for the bonus offer. 
After several weeks the bank tells me I DO NOT qualify since I had a checking account at the bank that was opened in XXXX 2015. I never ever opened such an account! In fact the bank wanted to charge me {$37.00} for said account and denied me access to my funds deposited in the new checking account until I pad the {$37.00}. After contacting the bank they agreed to remove the {$37.00} fee and CLOSE the account [ I NEVER OPENED ]!
Product: Mortgage

I'm a single woman that works full time. I have been making my mortgage payment fine for years on time, This company Select Portfolio servicing out of no where took my monthly payment to {$4500.00}, in XXXX of this year, they did not give me any warning, I would call this mismanaging of my mortgage on their behalf on my mortgage. I feel like I'm being preyed upon they tried to do this same thing in XX/XX/XXXX. Like in XXXX they had me feel out a ton of paper for financial assistance. Which I did not need until they increased my mortgage I was doing fine I have worked with my company XXXX XXXX XXXX now for over 10 years. I make {$80000.00} a year sometimes more or less. My loan number with SPS is XXXX they say their are no financial options for me. they are a evil l company they have done the same thing to other people I know. my Payment is now increased by {$790.00} a month. Where is a woman at the age of XXXX to come up with this extra money. I need your help, they are trying to take away my house that I have lived in for 27 years
Product: Credit reporting or other personal consumer reports

Experian continues to report incorrect and invalid information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT IS INVALID IF A 1099c IS FILED!
Product: Credit card or prepaid card

I received an USBank Reliacard for benefits I did not apply for and for a a state in which I do not live. Reliacard provides you no ability to cancel the card or to report the fraud. The automated system will simply disconnect you if you are not providing the information to activate the benefits card.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY REPORTED INACCURATE INFORMATION THAT THE PAYMENT WAS 30 DAYS BEHIND AND IT IS NOT
Product: Debt collection

I sent a communication to XXXXXXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXXXXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tidewater Company received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Follow-Up Dispute and Request for Detailed Investigation Description Dear CFPB, I am writing to follow up on my previous dispute filed on XX/XX/XXXX regarding inaccuracies on my credit report. The issues remain unresolved, and I am requesting a detailed description of the investigation process your agency conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( XXXX ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that the account detailed below continues to show inaccurate late payments. According to my records, I made all payments on time for this account, and the reported late payments are erroneous. I kindly request that you reinvestigate this account and update the inaccurate information promptly. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX High Balance : {$6300.00} ( Discrepancy : Does not match across bureaus ) Last Verified : XX/XX/XXXX ( Discrepancy : Missing in Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( Discrepancy : Does not match across bureaus ) Closed Date : XX/XX/XXXX ( Discrepancy : Only reported by XXXX XXXX Account Status : Closed ( Discrepancy : All bureaus show " Closed '' ) Last Payment : Missing in XXXX XXXX XXXX XXXX Missing in XXXX XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX XXXX Experian and XXXX XXXX 
Violation of XXXXXXXX XXXX XXXX 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer and the reporting entity unless they are accurately reported. 
15 USC 1666 ( b ) : Agencies must ensure periodic statements are mailed at least XXXX  days before the payment due date. 
15 USC 1681i ( a ) ( XXXX ) ( A ) : Requires a thorough reinvestigation of disputed information. 
15 USC 1681s-2 ( a ) ( XXXX ) : Prohibits the reporting of inaccurate information to consumer reporting agencies. 
Evidence of Error : I have attached my payment records and bank statements showing that all payments were made on time for the disputed months. These documents confirm that the reported late payments are inaccurate. 
Request for Action : Reinvestigate the inaccurate late payment entries for this account. 
Provide a detailed description of the investigation process, including verification procedures. 
If you are unable to verify the late payments, update the account to reflect " XXXX XXXX XXXX XXXX XXXX '' Provide documented proof supporting the late payment claims, including dates, amounts, and relevant communications. 
Update my credit report within the timeframe established by the FCRA, Consumer Protection Act, and Truth in Lending Act. 
Failure to address this matter accurately and within the required timeframe will result in further escalation. I appreciate your prompt attention to this issue and look forward to receiving a response within XXXX  days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the inaccurate reporting of an account labeled as " XXXX '' with account number XXXX on my Equifax credit report. 

This account does not belong to me, and despite multiple disputes, Equifax has failed to provide any evidence verifying its legitimacy. It is important to note that this account is not reported by either XXXX or XXXX, further raising questions about its validity. 

Additionally, this is a collection account, and per FCRA regulations, collection accounts can not report a " 120 days late '' status. By definition, collection accounts represent debts that have already defaulted and been sent to collections, making it improper to assign a late payment status. Moreover, there is no original creditor listed for this account, which further invalidates the accuracy of this reporting. 

Equifax has had sufficient time to provide verifiable proof regarding this account. However, no such documentation has been presented to substantiate its legitimacy. Therefore, I demand the immediate removal of this unverified and inaccurate information from my credit file as required under 15 U.S. Code 1681i.
Product: Checking or savings account

I want to file a complaint against Citi Bank for a fraudulent check that was cashed with out my authorization on XX/XX/2023 I pay the rent every month to my landlord for the same amount each month, but this time was for {$1500.00} The check was mailed out to my landlord XXXX XXXX and somehow this check was stolen and altered with a different amount {$3400.00} and payees name XXXX XXXX I have filed a police report. 
I have filed a dispute with the bank, on XX/XX/2023 Case # XXXX, I filled out the affidavit XX/XX/2023 but they have not been able to resolve this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I filed a claim against a seller with paypal against a seller who scammed me for {$47.00}. They agreed to the refund, but I had to send the product back by XX/XX/XXXX. I was having issues sending the product back in time, so on XX/XX/XXXX I called paypal and spoke with XXXX, who promised me she would extend the time frame to send the item back by two weeks. While I do not have a recording of this, paypal records all of their calls to 'assure customer service quality ' so they should have this information. 

One day later, the case was closed against me because I didn't send the item back. I called paypal again, wasting hours of my time on call just to be told that even though the support agent promised an extension, they could not honor it. 

They suggested I file a complaint with my credit card company. This should not happen, as Paypal promises it's customers protection against fraud. By denying me of this service ( at their own fault ) they are breaking the contract of terms on which i do business through them for.
Product: Mortgage

My mortgage loan was transferred to Nationstar mortgage llc dba Mr. Cooper, which also assumed the service to pay my home insurance through my escrow, on or around XX/XX/XXXX. With no issue, they paid my home insurance policy XXXX, on or around XXXX XXXX, XXXX. 
However, fast forward to XXXX my policy XXXX was not paid when due, on or around XX/XX/XXXX. Mr. Cooper requested verification of hazard insurance on property or they would buy insurance for my property at a higher cost, so I provided the policy multiple times. So did my home insurance company. 

I got another letter from Mr. Cooper requesting Insurance Info so I sent another copy of the policy to them & then I noticed my name wasn't on the policy ( just my husband 's, which he is on the mortgage & title of property ) so I had my name added, on or around XX/XX/XXXX. 
Not sure why this would stop them from paying my insurance but I did it anyways for peace of mind. 
Insurance company sent copy of this change with payment due to Mr. Cooper, on or around XX/XX/XXXX. I received no calls or letters from Mr. Cooper so I assumed all was well. 

Come XX/XX/XXXX, Mr. Cooper still didn't pay my insurance and my insurance was cancelled. I called Mr. Cooper and spoke to a couple of reps with no success to resolve the issue. They didn't even know how to answer me on why my insurance was not paid. 
My Insurance company would not reinstate nor re-write my policy due to the length of time the policy was not paid. This forced me to get quotes for a whole new policy in which some were hesitant to provide due to this lapse in non-payment of policy. 
I received new policy but they would only start it from the date of write-up XXXX. Now Mr. Cooper has charged me {$2900.00} through escrow ( double the cost of my current policy ) for the lapse in coverage. 
Why would I be liable for this when it was due to their negligence and fault on why I have a lapse in coverage? Wouldn't Mr. Cooper be liable for any gap in my insurance as they did not pay out of what I already had in my escrow account for my home insurance policy ( XXXX thru XXXX ) that I already had in place and they received document from insurance company that it needed to be paid multiple times? 
I've already sent multiple emails and letters to the company with no resolution. Only response is regurgitated docs that we already know but no response to the specific issue. 

I have the formal complaint letter sent to Mr. Cooper and will provide if needed.
Product: Credit reporting or other personal consumer reports

This is a complaint regarding the XXXX account that I disputed with Experian Credit Reporting Agency and the investigation exceeded the 30 day requirement which is a violation of the FCRA. 
I disputed the XXXX account and other accounts which have been deleted from my Experian credit reports with only the XXXX account remains. XXXX XXXX XXXX XXXXXXXX. 
I have attached screenshots which reveal my dispute that I submitted via CFPB # XXXX on XX/XX/year>. 
Experian acknowledged receipt on XX/XX/year> and I did not receive a response until XX/XX/year> which is a total of 48 DAYS. This is a clear violation of the FCRA 611 30 day requirement to conduct a timely reasonable investigation. 
I am maintaining a careful record of my communications with Experian for the purpose of seeking legal representation if the XXXXXXXX XXXX XXXX ( XXXX ) account is not deleted from my credit report.
Product: Debt collection

Afni, Inc has placed a collection on my credit profile claiming that I owe {$510.00} to XXXX. I have NEVER had a XXXX account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
Product: Vehicle loan or lease

In XX/XX/XXXX, I received a letter from Navy Federal Credit Union that if they did not receive my title for my XXXX XXXX XXXX, showing them to be the lienholder. They would increase my interest and monthly payments. I was advised that they had my title, I just needed to sign the application. After taking the signed application to the branch in XXXX, Texas, the representative told me they had everything they needed and I was glad to go. After about a month, I contacted Navy Federal and I was advised that I needed to bring my title in. I advised them I never received the title. They stated to me that the title was hand delivered to me personally. I advised them I never received the title, and the date that it was supposed to have been delivered to me, I was not home. The representative pretty much told me that was not his problem. 
So on XX/XX/XXXX, I went and got a new title from the DMV and immediately took the above branch. The representative advised me it would be sent out the next day to XXXX, Pennsylvania. I waited until the following to see if my file was updated, and supervisor told me they received the paperwork, but they have to wait for it to get processed. While during this waiting period I am still being penalized, and paying an extra {$45.00} a month on my car payment. 
On this date XX/XX/XXXX, I contacted the Navy Federal Credit Union and the representative could not locate any of information or paperwork. For approximately 2 months I've been getting the run around and no one from the Credit Union seems to care. 
If you could help me out, it would be greatly appreciated.
Product: Debt collection

In a 2nd attempt in trying to resolve this matter with Jefferson Capital. On XXXX I recenlty requested information with my signature obligating me to the alleged debt they claim belongs to me and that i owe. Jefferson Capital has failed to provide the requested information and therefore continues to collect and credit report which now is false misrepresentation under the FDCPA and a violation of Arkansas 4-59-101 ( a ) ( 2 ) making there collection attempt unenforceable. I did not request verification or validation of debt from Jefferson Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt.

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. TRANSUNION XXXX AND XXXX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX