23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for MN Trial Court Public Access XXXX ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in Wisconsin and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.
Product: Bank account or service

A Wells Fargo savings account was opened without my authorization on XX/XX/2009. My personal information, address and social security information was used to open a bogus and fraudulent account ( " Goal '' savings account ) in my name with my personal information. Evidencing this is the letter dated XX/XX/2009 calling for my signature. 
How can an account be opened without my signing for it? Where did the initial funds to open this account come from? I kept the letter because I thought at the time if I ever needed proof in the future that I did not authorize the account or the funds that were transferred to it, the letter would be proof enough. 
In sum, a fraudulent account was opened using my personal information without my authorization and with unauthorized funds. If I were to commit an egregious act such as this, I would be put behind bars.
Product: Debt collection

I had a debt that was sent to collections without my knowledge. The debt collection company, CMRE, had the wrong mailing address. Then I updated my address with both the hospital and CMRE. The hospital billing department corrected their mistake, and I was reassured by both CMRE and the hospital that everything was taken care of. 

Several months later, I try to refinance my condo, and it turns out CMRE still has an outstanding debt on my credit report. I call them and they still have the wrong billing address, and I have still had absolutely no notifications or contact with them. And interest has being compiling this whole time. 

I settle the outstanding bill because I do n't have time to wait for the hospital billing department or wait for my health insurance to settle the claim, since I need the refinance with the bank. 

CMRE still has n't sent a letter that confirms deletion of the outstanding debt on my credit report and I have no confirmation that I have paid the bill in full. Other than the big charge on the credit card. 

Now that I do n't owe CMRE any money, they have literally hung up the phone XXXX, transferred me to a nonworking extension, and transferred me to their supervisor who despite leaving voice mails has never returned my calls. 

They tell me over and over again the letter has been sent, but I still have n't received a deletion confirmation letter than I can submit to the bank for the refinance. They claim they ca n't e-mail a password protected file, they ca n't fax a letter, they ca n't send certified a letter, and they ca n't regenerate the letter and send it again. 

After all this, I am not surprised I have n't received a confirmation of deletion or a confirmation of payment, since for months, they did n't have my billing address correct and I have never had any contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want these credit hard inquiries removed I dont authorize  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , equifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Mariner Finance LLC violated our contract as well as the XXXX XXXX XXXX XXXX by giving my personal information to a 3rd party company in which I had no dealings with nor a contract with, in which I believe that could lead to identity theft.
Product: Student loan

The 1098-E shows {$990.00} was the total interest paid to the loan in XXXX. In XXXX I only paid interest totaling {$420.00} and there was no outstanding interest in XXXX. 

The servicer can not advise what period this paid interest is for for the 1098 E or other periods of capitalization. I would like to know : 1. What loans had capitalized interest, the amounts, and periods for XXXX through XXXX
Product: Credit reporting or other personal consumer reports

Oklahoma XXXX XXXX is still showing on my credit profile. The loan is no longer under XXXX. This company refuses to remove this inaccurate information.
Product: Checking or savings account

I had my checking account with key bank for almost a year and my account got closed for no reason.and now its been a month after my account got closed.and key bank refuses to send my balance they tell me i have to wait another 30 days for me to get my money.it is against the law to hold my money
Product: Vehicle loan or lease

I have reached out to tesla on multiple occasions to attempt to correct this error. Tesla has confirmed I do not own, nor have I ever owned a vehicle that is now financed through XXXX XXXX XXXX. I was told on XX/XX/27 to allow 7-14 business days for them to correct the error with XXXX XXXX XXXX  and close the errand loan. however, after the estimated time has lapsed, I reached out again asking for a resolution and still have not heard back. They can confirm that I do not own the vehicle the loan was taken out on, in fact it was sold to someone else who paid cash for the vehicle. I'm getting collection calls from XXXX XXXX XXXX and Tesla is telling me to ignore them and they are working on it. I need this loan closed and my credit to be corrected due to their financing error.
Product: Credit card

In XX/XX/XXXX, I participated in credit protection with citibank card. After learning what it really was, in XX/XX/XXXX, I called to cancel my membership. I realized that this was a waste of money. I continued to pay my minimum balance assuming that the credit protection ceased. To my dismay and surprise, the fee continued to accrue. I have tried calling and writing letters to the company, but I am blocked and ignored. The credit protection was finally stopped in XX/XX/XXXX. A total of 7 additional years of applied fees. The fee is XXXX on every outstanding {$100.00} monthly. The debt is enormous and at the same time, I have lost my job. I spoke to a banking representative who directed me to go this path.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have discovered that the information being reported on my credit file by XXXX, Experian, and XXXX is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX regarding its failure to conduct a proper investigation into inaccuracies on my credit report. I have submitted XXXX separate dispute letters to XXXX, yet they have failed to adequately investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts, the inaccuracies remain on my report, negatively affecting my credit score and financial well-being. 

Below is a summary of the inaccurate information I have repeatedly disputed with XXXX : PNC- Account # XXXX XXXX XXXX File No. : XXXX XXXX account open XX/XX/XXXX but there is no data reported XXXX account charged off XX/XX/XXXX ; then why is it still reporting data on a closed account XXXX XX/XX/XXXX, there is no data reported when there should always be data reporting XXXX if this is my alleged debt then why is there no terms reported to an agreement XXXX there is no monthly balance reported ; if this is an alleged debt for a credit card there should be a monthly balance that i owed each month XXXX my report from XXXX XXXX XXXX XXXX XXXX  has no data reported XXXX XXXX  is reporting that i made 98 % of on time payments but yet XXXX  has my account labeled as charged off XXXX my information was sent to a collection agency w/o my consent XXXX if XXXX XXXX received my information directly from XXXX  then the reporting should be similar or identical since they are going based off what XXXX sent them XXXX why is a collection agency contacting me about a closed account and trying to collect funds XXXX this alleged debt is OVER XXXX XXXX XXXX, why is it still being reported, this is a direct violation of my rights provided to me by the FCRA Despite providing supporting documentation with each dispute letter, XXXX has failed to remove or properly verify the incorrect information. If ( XXXX ) investigation were conducted then how is all of these inaccuracies still being found on my report. Their failure to conduct a thorough investigation and provide me with a reasonable resolution violates my rights under the FCRA. 

I am requesting that the CFPB intervene and require XXXX & XXXX XXXX  to either update my records to show PAID IN FULL/NEVER LATE or DELETE/REMOVE this from my credit report Please find attached copies of my previous dispute letters, supporting documentation, and any responses received from XXXX. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these inaccuracies. 

Thank you for your time and consideration.
Product: Checking or savings account

I need to link my PNC account to XXXX  so I can set it up to pay my rent online
Product: Mortgage

My issue is with Nationstar Mortgage,  XXXX   XXXX   XXXX  : P.O.  XXXX   XXXX ,  XXXX , TX  XXXX  On or around  XXXX    XXXX  , the issue began. I have been charged other fees regardless of how much I try to obtain information from them explaining why. Ever since this date, I received calls stating that I am behind on my payment. I am not behind. I paid them on the first of  XXXX    XXXX   and the  XXXX  of  XXXX    XXXX   ( this payment was to meet the due date of  XXXX   XXXX    XXXX   ).     They seem to continue to charge me fees and continue to state that I am late. However, they have yet to provide a full accounting of all payments, fees and charges so that I may validate their statements. From my perspective, I am not late and have made every single payment and timely ( all payments made before the  XXXX  of every month ).     I have even had  XXXX  on the phone to explain to them all the payments that were sent, but they are not willing to provide information explaining their position, other than to say that I am still late.
Product: Mortgage

Hello, This is a follow up to a dispute I submitted XX/XX/XXXX of last year ( XXXX ). The issue was never corrected. I am in the process of refinancing my loan and my lender noticed a 30 day late reporting in XX/XX/XXXX from SLS. Despite receiving a letter from the servicer stating the issue was corrected on XX/XX/XXXX the payment wasn't reapplied until XX/XX/XXXX. My auto pay should of been reinstated in XX/XX/XXXX however it was not completed as my loan was still showing past due. When I was with SLS I had set up bi weekly auto pay. Half of the payment was made on the XX/XX/XXXX of the previous month and the other portion to complete the payment in full was scheduled for the the XX/XX/XXXX of the current month. This was an option offered by one of their representatives. This was set up for several month with out issue until they decided to start applying the payment made on the XX/XX/XXXX to principle causing the loan to report past due. Based on receiving a response to my initial dispute I trusted the issue would of been resolved.Due to this mistake I am now unable to refinance my property at the rate I should qualify for. I called SLS today XX/XX/XXXX and they submitted a request to have the credit reporting corrected but refused to provide me any documentation for me to provide the lender I am trying to go through to refinance my loan. They said it can take up to 30 days for them to complete the request and another 30 days for my credit to reflect the correction. I am requesting SLS take accountability for their error and expedite the process to correct my credit reporting or lower my interest rate to what is being offered from me completing the refi.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, XXXX alerted big-three consumer credit reporting bureau Experian that identity thieves had worked out how to bypass its security and access any consumer 's full credit report armed with nothing more than a person 's name, address, date of birth, and Social Security number.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed XXXX XXXX, XXXX to XXXX XXXX, and multiple inquires that I've never heard of nor had business with! The inquires are included in the Identity Theft Report
Product: Checking or savings account

I has contactes crdito karma on XXXX XXXX about My tax return being deposited in My diseaced wifes crdit karma account i told they i would like to have My funds returned to me or give me accesorios to the account they requested documentos death. Certificate my id front back social security card front and back and a notarized obligee form I sent them all the documents they requested over XXXX times since I've been trying to contact them they don't want to give me my tax return I've called them XXXX times they either hang up on me or tell me the have escalated my case to another department that only communicated through email well I have not received a email from them in over a month and they stopped communicating with me one representative told me my tax return was in the account before it was closed and another representative told me multiple transactions have been made on the account where the balance was one dollar and I have to file a dispute but they did not want to email a transaction list they will not assist me I don't know what else to do to get my tax return from these people I have emails stating my tax return was deposited in that account
Product: Debt collection

I get a call from XXXX telling me that I am being served at home or work. I called the number and spoke to XXXX . XXXX who said I was being taken to court before I was even told who I owed. After he told me it was 5/3 Bank he asked my intentions and I told him this was paid a couple of years ago. He told me it was n't and he 'll see me in court. I asked if this call is recorded and wanted to know the name of the company. He wanted to know why and I said because I 'm going to file a complaint and sue them also. He said I could n't afford to sue them or I would have paid the credit card. I reminded him that the card was paid and I will follow through. He refused to give me the company name. I called back several times and got someone there to tell me the name is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I gave statements/proof of timely payments to experian to show prompt payment to XXXX XXXX XXXX. XXXX XXXX XXXX sold the loan and is refuses to answer phones or address the late payment in XXXX XXXX XX/XX/year>. Experian refuses to address the late payment information with proof of timely payment.
Product: Credit card or prepaid card

XX/XX/2023 Date Amount Description XX/XX/2023 {$62.00} XXXX  XXXX XXXX gosq.com HI To Whom it may Concern : On XX/XX/2023 I placed a online order to a establishment called XXXX XXXX In XXXX XXXX Hawaii XXXX They claimed to be still open and operating. I went to the establishment at my pick up time at XXXX. However when I got there, the business was completely shutdown and cleared out. This business is closed down with no date of returning or re-opening. I did not get my items. The fact that they are claiming that they are open and still operating is ludicrous. I have send Citi my online pick up order that I was supposed to receive AND the sign on the door saying they are closed down. Multiple people online have also stated they are now closed for business and have also been scammed out of their money which I have sent in through the dispute documents to Citi. You can visit their yelp page to verify this statement at https : XXXX XXXX XXXX 

Please take the time to read through my statement and examine the photos I have provided. 

Thank you
Product: Debt collection

I have checked my credit through XXXX on XXXX XXXX. XXXX and I found out that I have a debt collection by Progressive MGMT System XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), the amount of {$3700.00} since XXXX and its balance was updated XXXX. XXXX by Progressive Mgmt System, I called them to dispute XXXX on XX/XX/XXXX and one of their staff told me that I have not paid my medical bill by XXXX XXXX XXXX XXXX, then after that I called my health insurance, they told me that in my medical records I never been treated by XXXX XXXX XXXX XXXX and all my emergency bills were already paid in full ( I only have admitted to XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX XXXX Please see the documents attached.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/year> ]. The inquiry was made by [ FEBDESTINY ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.