23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested that this creditor provide validation of debt with itemized breakdown on the account they are attempting to collect on and they have not done so. I have requested that this be done on multiple occasions. I have sent out certified letters via USPS mail with the most recent being XX/XX/XXXX to NCC Business Services. It has been well over 60 days and I have not received any correspondence as of yet. The collection amount is listed on my credit monitoring site for {$220.00}. Prior to this a different creditor had the account which I requested validation of debt from on XX/XX/XXXX, it was never received. At some point after maybe mid to late XX/XX/XXXX is when NCC Business services took over, I requested same info in XX/XX/XXXX and am getting the same results months later, no one can seem to validate.
Product: Credit card or prepaid card

This is part 2 of a partially resolved issue. 

After issue 1 ( CFPB # : XXXX ) was resolved, I was not given a refund for my overpayments which were made to ensure there would be no incorrect reporting to the credit agencies. 

The original purchase was made during a promotional period, 18 months interest free. I paid the the purchase off in 18 months, but was forced to make 19 payments to keep the account current ( see issue 1 ). I'm owed {$190.00} for the overpayments. 

The original balance was XXXX, I paid a total of {$3300.00}. XXXX = {$190.00} Attached are the bank transactions proving payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.
Product: Mortgage

XXXX XXXX ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH NTIONSTAR MORTGAGE. ~ NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT XXXX XXXX AND XXXX XXXX WHEN XXXX XXXX WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO NATIONSTAR *** NATIONSTAR REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY XXXX XXXX 'S VICE PRESIDENT, XXXX XXXX XXXX XXXX XXXX NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ... ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED NATIONSTAR TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** XXXX XXXX LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** NATIONSTAR HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** NATIONSTAR KNOWS XXXX XXXX BROKE THE LAW *** NATIONSTAR BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS XXXX XXXX ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... NATIONSTAR CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE NATIONSTAR COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.
Product: Student loan

I recently finished paying off a federal student loan that was serviced by ACS-Education. I anticipated that I would receive a closing statement ( either electronically or through the mail ) stating that I had fulfilled my obligation with this servicer. I did not receive such a notice from ACS, nor did I receive a response to the inquiry I submitted to ACS in regards to this question.
Product: Credit card

Discover allowed a charge of {$100.00} from XXXX XXXX different times. I've proven to Discover I do have an annual subscription which is tied to my business credit card. I sent in the the proof, but they stated it was accurate. I've also contacted XXXX, but they don't have a " live '' person to speak with and they have no records of this charge on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year I have been going back and forth with credit acceptance about a XXXX XXXX car that I co-signed for my daughter which can not make the payments due to being incarcerated. The car had been in the pound since XXXX racking up to XXXX and still has not picked up the car but keeps putting all this interest on with the car sitting at the pound I call every day and ask for a suo and they say one will call me back and none had called me yet. They have not went and picked up there car but they call me 3 times a day for a payment. What do I do from here?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection letter from XXXX XXXX approximately one year ago. I have never had an account with XXXX XXXX, and have never lived in their service area. Indeed, they sent the collection letter to XXXX, IA, which is an address they should have known is inconsistent with an account relationship. I immediately called to tell them I had no relationship with them. I called from my cell phone, but did not give them my cell phone number, nor did I give them authority to call that number. Several months letter, I received a call on my cell phone from a collection agency. I again told them it is not my account, I have never had an account with XXXX XXXX, and I have never lived in their service area. They refused to provide any information to indicate that I ever had a relationship with XXXX XXXX ( e.g., original contract, address of service, date of service, etc. ). They simply said they would put my number on their do not call list. 

Today I pulled my credit reports because I am purchasing a new home, and there is an adverse item listed from Convergent Outsourcing collecting for XXXX XXXX that I have an account in collections. This is inaccurate. Both XXXX XXXX and Convergent Outsourcing are well aware that I have never had an account with XXXX XXXX, and that ( as the very credit report to which they made the fraudulent entry reveals ) I have never lived in a XXXX XXXX service area. This is merely a shake down because they skip traced my name to an address in Iowa, which they should know is inaccurate because my address history contains no addresses within the XXXX XXXX service area.
Product: Credit card

Dear sir, Today, XX/XX/XXXX, I tried to figure out the proceeding of my closed credit card ending XXXX. Since I found out this card had been charged before I received the card itself, I asked the Chase bank to send a replacement card. I remember the customer service of your company, telephone number XXXX ( ext. XXXX ), called me on XX/XX/XXXX telling me that the procedure was on process and let me know later. I told her I wanted to receive a replace card, which I could use safely, since I was charged before I received a card ending XXXX. 10 days passed, I thought I would receive another replacement card : however, not. Therefore, I checked the Chase Bank website and found out I could report my card, this ending XXXX, as fraud, be closed, and to request a new replacement card ; even though I asked them to send me one before XX/XX/XXXX. Also, I have searched online above-mentioned customer service number, which was XXXX, and found out this number was commented as fraud at XXXX. I am not sure whether this number is really fraud or not, since I received call from there twice ; either case just stating under investigation or something under preparation of report. Since I am under stress to change the payment methods, this proceeding is not comfortable. Shortly, would you send me a replacement card, which does not finish XXXX, and can use safely? 

Sincerely,
Product: Debt collection

This company ( Oak Tree Financial ) tells me I owe a debt from XXXX XXXX. I have never had a XXXX XXXX credit card. This company has my social secrurity number, date of birth, & full name - only thing is not right is they have an address on me from 20 years ago. They say I have a debt of {$6200.00} and that I can settle at {$1900.00} today. I ask them why is this not on my credit report and they say I have to settle with them first before it gets on my report. Their number is ( XXXX ) XXXX they give me a file # XXXX - these people have been harassing me since XXXX and I need help stopping them!! Today XX/XX/XXXX a new number called me on my cell phone ( XXXX ) XXXX they say they are XXXX XXXX XXXX. They want to know if I'll be home so they can serve me court papers. I asked them for what and they say they are not sure they are just to serve papers. So I ask them what address they had and they say it is the address I was at 20 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax continuously ignore requests to add my current legal name to my credit reports. On XX/XX/XXXX, I had my legal name changed via a court order. I furthermore currently have a XXXX credit card under my new legal name ( I had this account prior to my name change, but have since updated my account information with XXXX ). Despite this, XXXX  and Equifax still only list my former legal name. This makes it difficult, if  not impossible, for me to create new accounts at most financial institutions despite otherwise meeting any other requirements.

I realized that only my former legal name was listed on my credit reports at the beginning of this year ( XXXX ) as I attempted to open a new bank account online and was denied due to the discrepancy between the name listed on my personal identification and the name listed on my credit reports. 

I mailed XXXX, Equifax, and XXXX  letters requesting they update my legal name in their reports, as well as notarized copies of the court order for my legal name change and copies of my driver 's license and social security card, both of which reflect my current legal name. XXXX  refused to acknowledge my requests at all. Equifax mailed me a letter ( dated XX/XX/XXXX ) claiming they would update my personal information, yet as of my XX/XX/XXXX report, only my former legal name is listed. XXXX  mailed me a letter stating they could not find any credit information in their database from my information, which I believe is simply due to my small credit history and thus I am less concerned about them.
Product: Debt collection

I paid AIM Corp in XXXX, and disputed its status with the credit reporting bureaus, as it was paid in full and showing on my credit report. AIM Corp reported to the bureau that the information needed to stand as it was showing, and that I would need to contact them ( AIM ) directly. I called them on Wednesday, XXXX XXXX, and was told that even though my account was paid in full and closed, they would not report that to the credit bureau until THEY were ready to. 

My complaint, therefore, is that AIM Corp disclosed false information to the credit bureaus, claiming that I still owed a debt that I did not owe, and admitted as much to me, causing me financial damage, as I am in the process of obtaining financing for a home loan.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX has failed to fulfill there legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX, and XXXX inaction violates federal law and my rights as a consumer.
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: Money transfer, virtual currency, or money service

To whom this may concern, My name is XXXX XXXX and I am about to close on a house. The day I was suppose to transfer the remaining amount to close the house ( XXXX ) I was getting email intrusions on how and where to wire the amount to. The emails that were instructing me looked exactly the same as all the agents that were involved in the transactions and had the same email signature. I went to Wells Fargo and did the wire transfer which went through yesterday ( XX/XX/XXXX ) and found out about the fraud today ( XX/XX/XXXX ). Please someone help me this is all the money I have saved and worked hard for over the years. I have an XXXX XXXX XXXX boy and XXXX XXXX XXXX daughter. We are currently XX/XX/XXXXand have sold our condo which was the money that we wired. I have attached the fraud account that was sent to me. XXXX XXXX is the bank that received me money which was not the right bank.
Product: Checking or savings account

First, I'm not sure of the routing number or the address as to where our accounts went. As you must be aware, US Bank has taken over all accounts from XXXX XXXX XXXX. My wife and I have several XXXX XXXX XXXX IRA 's. In the transfer US Bank states it will honor the interest rate until maturity but states that after next year they will impose a " maintenance fee '' for having the accounts. When we signed up with XXXX XXXX XXXX  it was because of the interest rate and the fact they had no fees. We believe the introduction of fees is against what we signed up for. We do not see how they can do this. In my phone conversation with a " regulator '' he stated I needed to wait until US Bank had officially taken over, which I believe was XX/XX/XXXX. 

On XX/XX/20 at XXXX with XXXX ( who hung up on me ) then XXXX who transferred me to XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2018 balance should have been paid off. The company is XXXX XXXX. They didnt report to trans union XXXX XXXX XXXX and XXXX that car was was paid in full and dispute should be off report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I noticed 4 bankruptcies was reinserted back on my credit report with XXXX. I disputed it last year in XX/XX/XXXX and it was verified that XXXX XXXX which is their furnisher did not have any bankruptcies on my consumer report with them. XXXX deleted all four off of my consumer report. They are in violation of the FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy, Duties of furnishers of information to Consumer Reporting Agencies. also 15 US 1681XXXX Accuracy of Information.. Also XXXX has so many inaccuracies in reporting accounts number, date of opening accounts, dates of last activities and amounts and also inaccurate personal information ect. I am also uploading the copy of showing absent credit reports from XX/XX/XXXX thru XX/XX/XXXX. I am requesting {$1000.00} per inaccuracies from XXXX. XXXX and Transunion is also reporting inaccurate information such as the dates reported, the amount, the date opened the status ect. All three Credit Bureaus are reporting inaccurate information on my consumer report. FCRA XXXX states that as a consumer we are to have an accurate consumer report with all three credit bureaus, with all of them stating the exact same thing reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$13000.00}
Product: Credit card or prepaid card

I have been trying to resolve a duplicate transaction issue with Chase Bank for 5 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my Chase Bank account ending XXXX from someone elses account at XXXX XXXX XXXX. I notified Chase of this and they reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Chase bank, thy directed me to talk to XXXX XXXX. XXXX XXXX stated that they would be able to fix the issue if Chase issued a letter of indemnity, which Chase refuses to do despite the fact that this is apparently standard practice ( XXXX XXXX informed me that Chase Bank weekly sends these letters to their ACH Operations Team ). 

Ultimately, Chase Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called Chase Bank weekly. I have called the Payments team several times and was assigned several case managers in the Complaint Escalation Group without a proper resolution. I am extremely frustrated that this entirely fixable problem has gone unfixed. Chase Banks customer service is completely unacceptable and unhelpful. 

I am extremely disappointed because I have a {$790.00} reversal and {$27.00} reversal fee charged to my Chase credit card when I have already sufficiently paid my credit card balance, and Chase Bank will not agree to work with XXXX XXXX Bank to resolve the situation. 

To resolve the problem, I would appreciate if Chase Bank would do one of two possible solutions : 1. Fax a letter of indemnification to XXXX XXXX Banks ACH Operations Team at XXXX and refund me the {$27.00} reversal fee charged to my account.

2. Reverse the original reversal charge of {$790.00} which I initiated through Chase Bank and refund me the {$27.00} reversal fee charged to my account. 

Ultimately, it does not matter to me which option is chosen, as long as Chase Bank fixes this problem they have been perpetuating for five months. Once this is resolved, I plan to close my Chase Bank credit card account and terminate my relationship permanently with Chase Bank. The unprofessionalism and incompetence that I have encountered at Chase Bank is absolutely unacceptable, and I am appalled that this issue has not yet been resolved. 

Sincerely, XXXX XXXX
Product: Credit card

Bank of America fails to provide promotional balances in the promotional interest rate section of the billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the XXXX XXXX  but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX