23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hereby I XXXX XXXX XXXX XXXX, I am writing to this bank and the fraud department to issue a claim or to reopen the following claims : ID : XXXX ID : XXXX ID : XXXX said claims were opened for fraud committed With my debit card which my wallet was lost and then it appeared after that incident, the crimes on my account were committed, please, I need you to investigate and help me with the claims since I lost my money from my gutter and I had no other More than that the claims were closed, I need help to get my money back.
Product: Debt collection

I ask Midland to validate, sent XXXX certified letter. They still refuse to validate and still continue to damage my credit by changing it to dispute status. The debt is not mine that they are trying to collect, that was sold to them from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
Product: Debt collection

I received a call on the morning of XXXX/XXXX/15 at XXXX. I called back the number at XXXX and let the person who answered know that I was returning a call to this number. The person on the phone confirmed my name and last XXXX of my social security. He proceeded to tell me his name was XXXX and that he was one of the Supervisors there. He did NOT tell me that he was trying to collect a debt or that he was a debt collector, he did tell me that he was calling because I had committed a fraudulent act by writing a bad check to XXXX XXXX XXXX and if I did not talk to him he would forward my paperwork to the proper authorities and inferred that I could be thrown in jail. He almost gave me a XXXX!! 

Knowing that I had not written a bad check to anyone I requested that he send all paperwork to the police, since writing a bad check is illegal. I also let him know that I have an account with that bank. He then threatened me again that he would be forwarding my case to the proper authorities. I then ended the call. i calmed myself down and called the same number back and got a female. I explained what had happened and told her I would be filing a complaint with the Attorney General. I asked for her company name and address she would not give it to me. She asked for my name and said I was not even in her system. I requested her company info again and she transferred me to another female. I again explained my story and requested her company name. She asked me if the word Jail was mentioned and I confirmed it was - I also let her know that I was threatened by this guy and if she has recordings she confirmed that conversations are recorded. She requested my name and after searching her system she said that they were a debt collection company trying to collect on a XXXX payday loan. I told her that this XXXX person told me it was a bad check written to XXXX. She gave me the address of her company and would no longer respond to me so I hung up. She told me that the guy I spoke with was a XXXX XXXX XXXX and he was not a supervisor. 

The Company does business as : Clear Credit Solutions at XXXX XXXX XXXX # XXXX, XXXX Delaware XXXX believe that what was done to me was extremely threatening and hostile! I got XXXX when he told me that I had broken some law and was subject to some type of penalty including jail. I believe that this company rep has crossed a line that is illegal and I would like to pursue legal justice.
Product: Credit card or prepaid card

In XX/XX/2020, SYNCB/PPC put a late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with SYNCB/PPC on this manner since this was my first time making a late payment but no luck. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Profit Services Group {$1700.00}, {$39.00}, {$3000.00} & {$34.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  REPORTED LATE PAYMENTS ON ACCOUNT : XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 60 DAYS ) XX/XX/2016 ( PAST DUE 90 DAYS )
Product: Debt collection

This company failed to provide validation of debt, I have previously reported this company and they replied saying they would close the account, they are still contacting me and they are still reporting negatively I have tried reaching out to them and letting them know to stop reporting on my account and to close it as they promised, and to also stop calling me, unfortunately they fail to do so.
Product: Debt collection

I applied for a milestone MasterCard on XX/XX/2022 and got denied because they said that I had poor performance on another card with the same creditor but nothing about already having a milestone MasterCard. I then received a email on XX/XX/2022 stating that I was in collections for a Genesis FS cards services. I never took out a milestone MasterCard and I've disputed with the collection agency. This debt is not mine!
Product: Debt collection

IMC Credit Services in XXXX, IN has reported on my credit on behalf of XXXX XXXX XXXX XXXX XXXX without me being contacted in regards to settling the bill. They report a balance of {$320.00} on all my credit reports which is incorrect because I have made several payments on their website and asked to be contacted to offer a settlement amount since they have never tried to contact me.
Product: Checking or savings account

BB & T became truist and my account under BB & T did not allow for overdraft fees, now it does, further I have gained a second day of fees because I could not get to the bank to deposit a check today as they get the day off for XXXX XXXX charging me while they take the day off. The online checking doesnt work as the new truist app I have to use is essentially broken for XXXX  users.
Product: Credit card

I'm still floored by my inability to get dispute CASE XXXX fully reviewed. I continue to receive conflicting information from Citi. I called previously and was told I could amend my initial reason for dispute as none of the available options to select fit the issue. I have received multiple letters from Citi saying I could send in additional documentation. They provided a copy of the merchant 's response, which did not in any way even mention or rebut the partial disputed amount of {$450.00}. However, when I sent in my appeal as instructed, I'm now receiving form letters that don't make sense with the situation, indicating I have conflicting reasons for appeal so they can not help me. Per my discussion with Citi reps and previous communication, it appears this issue should have already been taken care of. I have never changed the reason for my dispute -- again, it's that none of the reasons available fit. 

UPDATED REASON FOR DISPUTE : Product description was inaccurate
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX ( XXXX ) XXXX Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter related to the credit reporting of an account that has been charged off and closed, which continues to adversely affect my credit report despite my efforts to rectify the situation. 

The specific issue involves the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card account, which was charged off and closed, is still present on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), information that is inaccurate or can no longer be verified must be promptly removed or corrected. Despite the closure of the account, its persistence on my credit report is inaccurate and requires immediate attention. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I formally requested the removal of this inaccurate information from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ), which stipulates that consumers have the right to dispute inaccurate information and have it investigated and corrected. Despite my efforts, the inaccurate credit reporting remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and facilitate the removal of the inaccurate credit reporting. The persistent presence of this charged-off and closed account is negatively impacting my creditworthiness and financial standing. 

Your prompt attention to this matter is greatly appreciated, and I trust that your intervention will lead to the resolution of this issue in accordance with the established consumer protection laws. 

Thank you for your assistance and commitment to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Due to unfortunate circumstances I travel back and forth form XXXX XXXX to XXXX  in the month of XX/XX/2020. I am proud to report on time payments four consecutive months. Being a loyal and happy customer of Capital on, I enjoy all the benefits and rewards. I have set-up auto pay for this credit card for future due dates. I was able to get the past due payment credited to my account, on XX/XX/2020.
Product: Debt collection

I received an alert from credit bureau that the company below placed a collection on my credit report. I received no prior notification from company or collection agency allowing me to dispute the debt. The services at this address were cancelled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a confirmed fraud case on my credit account with XXXX XXXX XXXX. I have submitted a claim previously with all three credit bureaus. XXXX has removed all inquires that were due to fraud as well as placed a fraud alert on my account. I have multiple credit inquires that are on my credit with the other bureaus that were not authorized by me. Please delete the inquires and place a fraud alert. The XXXX  XXXX XXXX XXXX and XXXX  were authorized by me.
Product: Mortgage

After finding a Insurance company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) to cover our XXXX XXXX XXXX XXXX XXXX. My mortgage co ( Veterans United ) paid out of my escrow account held by Veterans United, {$1900.00} for the XXXX XXXX on XX/XX/2022. We the homeowner assumed that our home is now covered. On or about XX/XX/XXXX we experienced significant damage to living room ceiling from a leaking tub upstairs. After calling XXXX XXXX we were told we have no insurance. After further investigation, we found that on XX/XX/2022 {$1900.00} was returned to my escrow account that is being held by Veterans United. Not XXXX XXXX or Veterans United had the decency to inform the homeowner. We now have substantial damage, the written proposals are from {$7100.00} to {$12000.00}. That is bathroom cost ony, does not include ceiling repair. After researching a new policy we are told until damage is repaired and verified no XXXX will write policy. We feel we are not responsible to pay that kind of money, for XXXX XXXX and Veterans United 's negligence. We are willing to pay the original {$1000.00} deductible, after that they are responsible. Thank you. Looking forward to your response.
Product: Checking or savings account

I recently filed a complaint on usaa for reversing a credit they gave me from their fraud department because they refused to upload the documents to the fraud team for my proof that I was being denied a package/product I ordered. I was told that I didnt send the documents in to the proper department as the reason why the credit was reversed. Then after I filed the first complaint with the CFPB about a week ago a woman by the name of XXXX contacted me and told me my claim should have been submitted as a credit dispute and that SHE herself resubmitted it with all the documentation I uploaded, and even though Inhave supporting documentation from USPS oig Investigation team stating that I wont get the package back, MRS XXXX claims she cant guarantee that I will get my XXXX that the bank stole from my account back. They are lunching with veterans money and this has to stop now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a letter disputing various items on my Equifax Credit report in XX/XX/XXXX and did not receieve a response within the 30 days of XXXX recieving my disputes. Furthermore I recieved correspondence XX/XX/XXXX ignoring my previous disputes. I am requesting that my XXXX Credit Report Reflect Accurate Information and the disputed items listed per the attached document be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018, I mailed a letter to TRANSUNION disputing erroneous information I discovered in my consumer credit file that was publish for others to view by TRANSUNION. 
Under the FCRA act I expected TRANSUNION to investigate my disputes, delete or correct the information. To ensure accuracy I mailed the letter using certified US mail. 
To date TRANSUNION has failed to respond to my dispute and it has been more than 30 days. 
I would like your assistance ensuring that big corporations comply with the law. If after 30 days TRANSUNION is unable to verify the negative information I insist that they delete the information from my credit file.
Product: Debt collection

Jefferson Capital appeared as on my reports today. XXXX XXXX was reported back in 2021 as a Fraud account and removed from my credit reports. Today Jefferson Capital placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in 2021. Jefferson Capital has 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. 

It is a Violation of Fair Debt collection practice act to collect on a debt that has been previously reported as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a while since I submitted a disputed. However, the student loans were duplicated on my Equifax and XXXX credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one XXXX XXXX account which should drop off in XX/XX/XXXX. Please advise.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Transunion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Transunion, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Transunion, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the, for similar violations. I request that the CFPB take action to ensure XXXX, Transunion, XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Well I got on the forbearance program about a year ago with the hopes of getting a reduced mortgage payment when done it's says pay what you can when you can I started.paying my mortgage back in XXXX but I was like XXXX short on escrow so they applied my money to that so now it looks like I haven't paid mortgage in a year also my payment when I bought the house was XXXX and went all the up to XXXX XXXX so I'm single XXXX kid and alot of bills I wanted it lower payment because XXXX dint loose my job that was the reason but now there offing me a lower interest, and a payment of XXXX for 3 month trial then after that my payment goes back up to XXXX and the want to modify my loan to a 40 year loan I only owe XXXX XXXX on my house I put down XXXX so not only does my house look like it's gon na be avaible on line but showes how much profit a person could make I thought I was going to be able to push.the missed payment to the back of the loan but my credit isn't as good as it was.and all these factors came about but dint say at the end it's gon na cost you big time my loan was only 30 years in the first place I've been here for 8 and they want me to modify for 40 years with a hiring payment then when I bought the house this is at wells Fargo Bank I originally bought my house threw XXXX bank my bank but Wells Fargo bought my loan from them and im not happy with them at all I belive there crooks I just don't see myself doing what there offering so I haven't awnserd them because I'm not happy wich is not good but I don't no how to go about the payments I've missed and I feel like this is my only option and they no that and are using it to there advantage another thing is every year for past few years my escrow is always short wich then causes my payment to go up so even if I took the deal next year or this year I belive I'm still short so then my payment will go up agian next year and then I really can't afford it not by myself I just wanted to reduce my payment but they handed me down person to person and wouldn't tell me how much Equity I had in my house because it s probly enough to pay it off not to mention the updates I have put into the house central air sliding patio doors all wood inside new floors tile ect... you name a privacy fence all the way around put a spot for 3 cars out back did all the land scapping and I got the stuff to.put on a new roof I really don't want to modify my loan for 40 years my house won't be paid off tell XXXX was supposed to be XXXX I mean 20 more years plus taken 8 from me for a lil XXXX dollars I owe last it was XXXX or so crap I willing to do al.ost anything but that please help me if you can either expose Wells Fargo for there unethical mortgage crap or help me with paying them back so.i can remain I my house/ XXXX U
Product: Debt collection

In XX/XX/XXXX I received a collections notice by mail from Southwest Credit ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ; XXXX ) for a bill of {$170.00} that it alleged I had not paid to XXXX in XXXX of XXXX. 

I called the above number to inquire what the debt was for and why XXXX and/or Southwest Credit had waited more than two years to seek to collect it. I also asked why no one had tried to call or email me earlier. The Southwest Credit employee told me she didn't know what services I had allegedly received, nor why XXXX never contacted me. She could not tell me when her company had purchased the debt from XXXX. In short, all she knew was that I owed {$170.00}. She said that my choices were to pay {$87.00} as an " offered amount '' or have my credit harmed. ( For context my credit is XXXX and I've never failed to pay a debt. ) I checked my records and thankfully found email proof that I had cancelled my XXXX account and settled all outstanding charges in XXXX of XXXX. I asked why Southwest Credit was seeking to collect the fictitious debt. She said the issue would " probably go away '' and they would confirm their letter was an error. 

Approximately three months have elapsed and I have not heard from Southwest Credit. I am seeking two things : 1 ) An apology for their having tried to strong arm me into paying a bogus debt ( about which they had virtually no detail and had made no attempt to verify ) ; and 2 ) Written confirmation that Southwest Credit considers this matter closed. 

Many thanks for your help.
Product: Credit card or prepaid card

I had a bank of America credit card and have gone through financial hardship and have been late making a few payments
Product: Checking or savings account

by the date XX/XX/23 I request to Early Warning Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX to delete, Opt-Out Request Pursuant to 15 USC Code 1681b my information and they failed about the process,, its been more then 30 days and any results or any update its been completed in my report.. causing me very difficult problem to open a bank account.. 

I urge Early Warning Services to remove any inaccurate, incomplete, or outdated information from their database in accordance with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

1 : Account Closed by bank Source of Information : XXXX Reported For : SUSPECTED FRAUD ACTIVITY Amount : {$870.00} 2 : Account Closed by bank Source of Information : XXXX XXXXXXXX XXXX Reported For : SUSPECTED FRAUD ACTIVITY
Product: Credit card

Someone got into my Chase bank account, changed my mailing address, and stoled my money