23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a HELOC on my home. During the credit check, I discovered there was a collection account for {$1500.00} listed on my credit report. The collection was from XXXX XXXX, and the original creditor was XXXX XXXX XXXX XXXXXXXX. The account was opened last year, but I've lived in the same location for the past 11 years and have worked at the same job for the last 30 years. I've never lived in Texas, nor have I even visited the state. 

After filing a complaint with the CFPB it was removed without any admission of a mistake from the debt collectors.

After the problems I had, I setup an alert for my credit. I was alerted, Online Information Ser, had put a collection on my credit report for {$780.00}. The account was opened XX/XX/2024. The original creditor is XXXX XXXX XXXX XXXX. Once again, I've never lived in Texas. Shouldn't someone check to see if the information that's being reported is correct?
Product: Credit card or prepaid card

For whatever reason, the store shows a temporary debit from XX/XX/28 for XXXX on my charge card I did not make or use. I've tried reaching both the store and synchrony, both blame the other and say there is nothing they can do.
Product: Debt collection

The collection agency mentioned herein has listed an unknown account on my credit report with the Credit Reporting Agencies ( CRAs ). It is to be noted that I have no knowledge of this debt whatsoever. It is totally and utterly unverified, not validated and is being reported fraudulently. In light of the foregoing, I hereby engage the CFPB and request that it used its administrative powers to force this seemingly unscrupulous company to comply with applicable provisions of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

OCWEN has sent a letter indicating that my hazard insurance coverage has expired and indicating that they plan to buy insurance for the property and they will charge me for it. I have had condo insurance in effect since I bought the unit in 2005 and the HOA has maintained it 's master policy insurance without a lapse. The mortgage was sold to OCWEN by XXXX and I had never provided insurance information to either party for the life of the loan, so there statement that their records indicate expiration of the policy are a falsehood.
Product: Credit reporting or other personal consumer reports

The company simply changed the status of the two accounts. They still show on my report incorrectly.
Product: Credit card

Synchrony Bank I believe that this bank is not following appropriate adverse action requirements regarding actions and required notices to consumers. 

This company took over several store and PayPal accounts. They have not provided information that was relied on to make credit decisions or disclosed the information/provider. 

I am trying to lower my debt and the company is continually lowering my limits and closing my accounts after payments. 

This negatively impacts my credit utilization scoring. If my credit limit is lowered I will always have high utilization with this company. Something is wrong. So if you lower my limit to XXXX after I pay it down from XXXX, my utilization will be at 100 % until I pay off the account. 

I believe it is being used to harm consumers and deter or penalize consumers for attempting to curb and pay down their debt quickly. Although, I have paid off the accounts it looks like I just maintained 100 % utilization. 

The most recent action was for my PayPal account mastercard. The limit was lowered from XXXX to XXXX the day after I made a large payment. This action will negatively affect my utilization scoring. The alleged adverse action notice references that action was taken XX/XX/scrub>XX/XX/2024 based on information received from XXXX XX/XX/scrub>XX/XX/2024. 

There is no reference to information or disclosure of information, the type of information, or who the information was received from to make the decision on XX/XX/scrub>XX/XX/2024. How can I dispute information that I do not know of. It does not make any sense. I am not sure if they have to pay for or obtain my consent to obtain an credit information, but this action and process is not on the up and up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 and delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of disputed items : XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX OF MO XXXX XXXX : {$0.00} XXXX OF MO XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB TransUnion is supposed to assure maximum possible accuracy. This account is not accurate accordingly to the Fair Credit Reporting Act. Please Immediately & Permanently Remove this Account for Violating 15 USC 1681EB. 

XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Balance {$XXXX} Date Updated XX/XX/XXXX High Balance {$XXXX} Original Creditor XXXX XXXX XXXX Due {$XXXX} Pay Status >Collection< XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account XX/XX/XXXX, XXXX PM View Credit Report | TransUnion Online Service Center XXXX XXXX XXXX XXXXXXXX Satisfactory Accounts The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the due date. 
Loan Type XXXX XXXX XXXX Balance {$XXXX} Date Updated XX/XX/XXXX High Balance {$XXXX} Original Creditor XXXXXXXX XXXX XXXX Past Due {$XXXX} Pay Status >Collection<
Product: Money transfer, virtual currency, or money service

I am trying to make a XXXX account to invest in crypto. I was able to make the account, but PNC doesn't let me link my bank account to my XXXX  account. This is obviously very inconvenient.
Product: Money transfer, virtual currency, or money service

I was told to send money to various vendors over a period of time in order to meet the rock band XXXX  XXXX  XXXX  XXXX  from XXXX and join the on tour - I had been very XXXX  having undergone XXXX so I thought this would be a great experience as I liked the band. This arrangement was carried out online due to the distance as I live in the XXXX I was instructed to pay people in United States via PayPal account linked to my bank. I questioned this arrangement but decided that it was the only way to pay for hospitality and agreed to a total of {$5000.00} I was supposed to meet the band in XXXX XXXX but when I arrived in XXXX  I was left stranded so I returned to the XXXX after a few days. I was then contacted by the contact person who arranged this who told me they had been called away and to hold on until it was convenient but the connection was lost between us because I was told later on he had been hacked and I was told that the FBI had been informed about it. By which time I had built up a friendship with him and believed it but I have decided that it was all lies and I have been scammed by being told to send payments to different people in the XXXX via PayPal as payments to friends and family which isnt covered by terms and conditions regardless of whether its a scam or fraudulent activity. I am a retired nurse in receipt of the XXXX  XXXX  and this is a lot of money for nothing it has affected my health and I have been made XXXX  because I thought I was going to live with the person in the XXXX and start a new life sadly this is not the case because the people who I thought were involved with the band were purporting to be members of the band. 
The banks are not able to give a charge back for these payments because I have paid to friends and family via PayPal but I dont know these people and never met any of the recipients of my money. I would appreciate it if you could investigate this and retrieve funds lost also to help others who may fall into this horrible scam. 
I will provide further details of the recipients at your request and look forward to your reply. 
Yours faithfully XXXX XXXX XXXX ( XXXX )
Product: Student loan

In XXXX, I took out a student loan to attend XXXX  school at the XXXX XXXX XXXX XXXXa at XXXX XXXX. I borrowed approximately {$22000.00}. I began paying back on the loan in XXXX. Since that time the loan has been bought and sold numerous times. I can not tell you what specific lending institutions had the loan during the past 19 years. Currently, my balance is over {$17000.00} after paying on it for nearly 20 years. I dont know how that could possibly be. I have tried on multiple occasions to contact lenders for loan and payments histories to no avail. No one has been able to provide this information. Specifically, I have not been able to find the original amount borrowed versus what I have paid to date. I have had no success tracking this down. The current loan holder is Navient. They have not been able to provide any relevant information either. I am reaching out to you to help me resolve this matter. I have had zero luck myself. I feel I am throwing money down the drain.
Product: Debt collection

This debt was paid by my insurance company or me in 2012.
Product: Credit reporting or other personal consumer reports

All loan balances were paid off by the Dept of Veterans affairs on XX/XX/year>. I was told by the loan servicer XXXX this would be updated in 30 days which would have been XX/XX/year>, but the balance still remains on my credit reports with XXXX and TransUnion. I have tried disputing through both XXXX and TransUnion, but no changes have been made. XXXX and TransUnion both display a balance over $ XXXX for XXXXXXXX XXXX loans, when they should reflect a {$0.00} balance on all XXXX XXXX loans.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section XXXX ( XXXX U.S.C. Section XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX {$970.00}, XXXX XXXX {$2500.00}, XXXX XXXX XXXX {$1600.00}, XXXX XXXX {$1600.00}, XXXX XXXX {$3000.00}, XXXX {$730.00}, XXXX XXXX XXXX, XXXX {$480.00}, XXXX XXXX {$250.00}, XXXX {$310.00}, XXXX XXXX {$470.00}, XXXX XXXX {$630.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL is reporting my account XXXX as late in XX/XX/XXXX on my XXXX   report. I paid this loan off in XX/XX/XXXX. 
I have disputed this with XXXX, with no success. GM reported back to XXXX that the information is accurate .... it is not.
Product: Checking or savings account

ace cash withdrew a large amount cash from our account they have as of XXXX stated they reemburse us we have received nothing and despite many texts and phone calls havenot responded
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a loan through Discount Title Loan in XXXX Texas XXXX at the Pecan and XXXX XXXX. XXXX. I was overcharged XXXX XXXX XXXX. My payment should have been XXXX and instead was charged XXXX. I asked for a refund they declined and then after payment stated it was a late fee. I was instructed I had 7 days of grace only to be told it's only 5 day grace period. Each time I call to make a payment they always say I'm on a 6 month plan and that my payment is XXXX a month. That is not true. Im on an 11 month plan. When I bring that to their attention then they say oh yeah ok you are on 11 month plan. But it's everytime. I don't feel safe and I do not trust they are doing business in good faith. I find it more than odd that the late payment and the price they try to get me to pay are the same. If I didn't bring it to their attention they would bill me more each month. When I brought it to their attention they just made feel like I was stupid and didn't know what I was talking about. They are trying to cover up their mistakes.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, as confirmed by a recent data breach. Due to this incident, my personal information was compromised, resulting in fraudulent accounts being created in my name without my knowledge or consent. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit report. 
Please find the list of fraudulent accounts below : 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
Product: Vehicle loan or lease

M & T BANK is refusing to give me the title to my vehicle to which has been refinanced with another institution as of XX/XX/XXXX of XXXX as of today XX/XX/XXXX of XXXX to the other institutions store does not have their vehicle title in their possession and this vehicle has been paid off by the other institution since XX/XX/XXXX this is illegal in the state of Maryland that two institutions are not able to be financing one vehicle
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX and XXXX of XXXX, I made a payment each day to Avant credit card. By XX/XX/2022, Credit available and credit limit were the same at {$300.00}. XXXX was paid in full. On XX/XX/2022, I looked at the account online. It showed a charge of {$3.00}. An email from Avant clearly states it is an interest charge for XX/XX/2022. I sent letters, received no reply. Avant sent me a letter stating that they had sold the account to a collection agency and the amount now owed is {$100.00}. I sent all the info I had to that collection agency. I then received another letter from Avant stating they sold the account to another collection agency. After waiting for a while, heard nothing from this XXXX collections, I called them. The man I spoke to said they could not collect on the debt nor could they report it to the credit Bureau. I sent a Letter of Intent to Avant XXXX. I've yet to receive a response. I would like to file a law suit as they have yet to correct the info on both XXXX XXXX and XXXX XXXX. It is not a charge off or delinquent. I do not owe them. It is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an active responsible member of XXXX XXXX since XX/XX/2019. Since then I have paid off XXXX successful personal loans XXXX of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self XXXX in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union for multiple overdraft fees that I have incurred, despite having sufficient funds available when the transactions were authorized. These fees appear to be a result of delayed posting of charges and credits to my account. 

This situation aligns with the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices at Navy Federal Credit Union, where transactions were settled as overdrafts despite there being enough funds at the time of authorization. I believe these practices to be unfair and detrimental to consumers, and I respectfully request a thorough investigation into the transactions on my account. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive had multiple inquires in the last 12 months. Which I have request Equifax and creditors to remove. They advised they can not do so. The items below are not mine. 

XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY REMOVE THE NAMES AND ADDRESSES and the negative information attached to the FCRA violations above
Product: Credit reporting or other personal consumer reports

I requested the DELETION of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX