23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sears is reporting that I have a {$5300.00} collection account owed to their company. I have never had a Sears account in my name. I have contacted Sears and even submitted an FTC fraud affidavit almost two months ago, but I have not heard back from them. Meanwhile, this erroneous account still reports on my credit report.
Product: Mortgage

My mortgage was sold from XXXX Mortgage on XX/XX/22 to Freedom Mortgage. I was in a COVID-19 forebearance at the time. I accepted the COVID-19 modification and had to submit twice because it was stated they couldn't read the notary signature. 

Freedom Mortgage has had my signed paperwork for over 30 days and they haven't processed it yet. I have also made a payment of {$4000.00} to be applied to the post COVID payments so that I had a couple of months to breathe. I was sent a receipt and was reassured this would happen. 

I have been receiving threatening letters every other day from Freedom Mortgage stating that I am in default and I am NOT. I have to call Freedom Mortgage every week to reexplain what is happening and then speaking to Loss Mitigation and they assure me that they are working on it. 

I have never been treated this way before and I am now worried that I am not protected because nobody knows that is going on and I want my money applied to my account. I need help with this situation ASAP. This has been going on since XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo in partnership with XXXX and XXXX have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) Wells Fargo Bank committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. Wells Fargo as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX  DATE XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXX XXXX DATE OPEN : XX/XX/XXXX LAST ACTIVE : XXXX XXXX XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXXXXXX XXXX  DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that numerous things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) 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 the information is inaccurate.
Product: Checking or savings account

My late father had certificate of deposit in my name for XXXXXXXX XXXX  back in 1998. XXXXXXXX XXXX closed and was taken over by Nations bank which merged with bank of america. I can locate my cd information and I think bank of america would have them and may be withholding my funds. I contacted bank of america and they have no information since the account was from the 90s. How do I get the information on my CD and or savings account? I tried with unclaimed property and also fdic.I really appreciate the help. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below.

The following accounts have been opened fraudulently in my name : 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  These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have reviewed a copy if my credit report and noticed charges that do not belong to me. Please have these items removed from my report they are keeping me from obtaining housing
Product: Debt collection

I have a current complaint open with the CFPB for an auto loan with Credit Acceptance. Instead of the company responding to the CFPB, a compliance analyst, XXXX XXXX, sent me an email attempting to get me on a phone call. The email is attached to this complaint. Note that I previously disputed this account before filing a complaint with CFPB. The company did not comply with the dispute guidelines. The company has not responded to the CFPB and is now emailing me after I have told them that collection attempts must be stopped since they did not provide the required state notices regarding collecting money for a car repossession. The company is continuously violating the FDCPA and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

Section 15 USC 1681 Section 602 which states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit card late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. I recently reviewed my credit report and identified several inaccuracies that negatively impact my credit score and affect my ability to refinance my home. 

The specific inaccuracies are as follows : Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX It is my only address all others should be removed INQUIRIES : XXXX There should be one XXXX XXXX ( there are multiple ) XXXX  Should be removed ( Lender ) Capital XXXX Removed XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Please remove XX/XX/XXXX Never Applied XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Please removed I don't have a XXXXXXXX XXXX  and never applied XXXX XXXX XXXXe XX/XX/XXXX Please remove Never Applied XXXX Bank XX/XX/XXXX Please remove ( Never applied ) XXXX XXXX Please remove ( never applied don't have a XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please removed XXXX XX/XX/XXXX? Please remove this acct was opened in XXXX I request that you investigate these discrepancies and update my credit report accordingly. I have attached any relevant documentation to support my claim. 

Please confirm receipt of this request and inform me of the steps to address these issues. If the inaccuracies are not corrected promptly, I will have no choice but to consider legal action to protect my rights and financial standing. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

This company is very deceptive. I will be changing banks because of their deceptive behavior. Today I placed an order for merchant XXXX  at XXXXXXXX XXXX ET for {$88.00}. Before the transaction my balance was {$430.00} and now is {$340.00}. The transaction was cancelled by merchant due to system issue and the pending status of transaction at Chime disappeared but never credited back the {$88.00}. only way to contact their ridiculous customer service is via chat and got overseas XXXX who said nothing she could do. I want my {$88.00} put back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about two accounts that I've been disputing since XX/XX/21 last year. Equifax haven't responded and gave me no information about these accounts. First of all the haven't gave me the full name of this account nor the address and number of who is reporting this account. 

I've also read anon a new law any medical bills that are under {$500.00} will be getting deleted and these accounts are under that amount and still no action has been taking. 

XXXX since the trouble I've been having with Equifax about this account that's not suppose to be on my credit reporting and damaging my report which is financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual ages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : for the causes of my troubles I want {$1000.00} per violation on these accounts : No Account name- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.XXXX XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$190.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical bill that was submitted to credit bureaus by collection company, XXXX XXXX XXXX, even though I was/am attempting to pay the debt. I am not arguing the amount, but due to financial problems I was not able to pay when the bill was originally sent out to me. The bill was sent out in XX/XX/XXXX and I received final notice on XX/XX/XXXX. The message was supposed to contain a link for me to access, but there was no link. Then on XX/XX/XXXX, I received message that included the link. I was not able to pay the full amount of {$940.00}, but I did make a payment of {$50.00}. I then made a payment of {$25.00} on XX/XX/XXXX. I noticed on XXXX XXXX that the bill had been submitted to the credit bureaus. I reached out to the company and inquired about the bill being submitted even though I was attempting to pay the debt. I received a call back from the supervisor the next day, XX/XX/XXXX around XXXX and she informed me that the bill was submitted because I did not pay on it until XXXX. I told her that I made XXXX payments on the bill and was attempting to pay the debt and asked why was it submitted? I requested that it be removed and she said that it would not be removed until the debt was paid. As of today, XX/XX/XXXX, the debt is now down {$100.00}. 

I then disputed it on Experian and my dispute was rejected. As I stated I am not disputing the amount, but the fact that it was submitted in the midst of me attempting to repay the debt. I am also questioning why my credit score was affected due to this medical bill-I was under the understanding that I had at least 365 days to pay the debt before it would affect my credit. I have been in good standing with my debts for over 10 years. As I have worked hard to maintain my credit and my debt, I am not perfect and I too have been affected financially by pandemic. 

I am requesting that I have the year/365 days to pay this debt before my credit is affected by this medical debt with any of the credit bureaus. It is showing on my credit report on Experian that my score has been affected in a decrease of XXXX points. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Debt collection

I sent a certified dispute and debt validation letter to the collection company asking them for debt validation. The company did not respond to my complete lines of request. The collection company did not follow any FCRA requirements. The collection company flagged XXXX before sending me anything back in writing. I checked my credit information a week ago and to my surprise a collection debt in the amount of {$6800.00} is in my credit report. I know my rights as a consumer. I have a positive history of paying my bills on time. This company has called my phone repeatedly and my relatives cell phone non stop after I asked them to stop. No debt validation information was sent to me at all nor was there any legal contract between the collection company and myself stating that I owe them. This company simply placed this collection in my report without any debt validation and it is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, Wich 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 a financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Capital one offers only one way to verify your account when your device is not recognized when signing into your account. The only option is your mobile phone number. Today many people are traveling or working from remote places. Usually credit card companies will give their consumer two options to authenticate themselves 1. Email 2. Mobile phone number. Capital one only offers the second option. I was away on vacation for a month and did not have access. Capital One intentionally limits their clients to verify yourself in order to enter their own account in order to make a profit. I then emailed the company to unlock my account in order to make a payment and my email until today has never been answered. When I returned I called to make a payment and was told I would be set up for autopay. Fast forward to the day before my payment is due and capitalone sends an email alerting me my payment is due the next day. When I clicked the link to double check my payment was being processed- the capital one website falsely makes you believe your signed up for autopay but displaying an option in the middle of the page saying Cancel your autopay. 

Today, is my due date and I called capital one to confirm my payment would be going through today and they alerted me that my auto pay was never turned on. At that same moment I was assessed another {$40.00} late Fee even though the payment due date wasnt even over yet. They could have processed my payment the same day ( like most credit cards ) and avoided the {$40.00} late fee. Its not right another late fee can be assessed to a client when the due date day is not over yet. 

I will never do business with CapitalOne again and they should be investigated for deceiving practices.
Product: Debt collection

Currently, The report showed a credit collection/chargeoff in your company 's name. This is not a refusal to pay OUTSTANDING COLLECTIONS, but a notice sent according to the Fair Debt Collection Practices Act15 USC 1692g stating your claim is disputed and validation is requested. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681i }. Please have this collection/chargeoff DELETED from my credit report.

Until verification or the result of the investigation is completed and sent to the individual, we request deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed, fixed, and deleted in notice to the bureau agencies.

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my
Product: Debt collection

Around XX/XX/XXXX I canceled my service with XXXX XXXX XXXX XXXX due to poor a poor level of service. The internet they provided oftentimes failed to exceed speeds of 2MB/S even though they claimed the service was 10mb/s. After canceling I was informed by the company that I owed an installation fee and a disconnect fee neither or which had been agreed to either orally or in writing prior to that date. I submitted a cease and desist letter to XXXX XXXX XXXX XXXX around XX/XX/XXXX and they ceased collection activities. 

Five years later, XXXX XXXX XXXX XXXX has bought out XXXX XXXX XXXX XXXX and decided that they are allowed to collect the debt that was never valid in the first place. I receive notice from " Online Services '' that I had an active collection account for a company I had never done business with.