23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I get a phone call from eagle loan company once per day which a direct violation of my privacy and rights. Furthermore when I call them back they threaten me with purposely reporting incorrect and false information to the credit bureau. Which is a fraud on their part and they are purposely trying to hurt my credit. Also when I opened this loan my check was stolen from me amd this was reported to the police and they still expect me to pay it off. This is very unfair.
Product: Checking or savings account

i went to ATM to withdraw, some money the machine kept my money. 
I filed a claim the bank never give my money back. 
The name of the Institution XXXX Branch hosted by XXXX. 
the amount was {$400.00} dollars.
Product: Debt collection

I sold a huge bundle of WII products ( gaming console, controllers, accessories, games, etc ) on XXXX for {$300.00}. XXXX presented the shipping costs of around {$45.00} which I thought was fair, so I went ahead and authorized the transaction. Turns out I couldn't fit everything into one large box, so I had to ship a second box and pay out of pocket for that expense ( around another {$50.00} ). So my {$300.00} sell price is already netting out at {$200.00}. A few months later I received notification from XXXX stating that my account is suspended because I have an outstanding debt of {$90.00}. They provided no indication of what this dollar amount is for, nor did they provide me any way to contact them to find out. I then searched the web for contact information for XXXX. Turns out they have NO customer support, literally XXXX. So I didn't know what to do. A few months later I received a call from a creditor trying to collect the payment, I asked them what is was for and all they could say was " processing fees ''. Nowhere in XXXX 's literature did they state that I would owe them {$90.00} for a {$300.00} product sale. To the contrary, I their service fees are straight % off of the sale price, anywhere from 5 % - 13 % depending on the product being sold. 13 % of {$300.00} is {$39.00} which does not equal {$90.00}, plus I remember having them net that out of what they paid me originally. If XXXX did make it clear that they would be taking another {$90.00} from my proceeds, I of course never would have taken the tremendous amount of personal effort it took to package and ship the gaming system and all of its components in the first place. Because XXXX froze my account, I can't even look on the app to see if there is some sort of explanation of why they think I owe them {$90.00}. If XXXX refuses to communicate with me in anyway other than to send a creditor after me to collect $ for an unknown reason, then this is effectively fraud. Please make the creditors cease and desist and protect my credit rating from being impacted by this nonsense.
Product: Credit reporting or other personal consumer reports

I have been victim of identity theft since XXXX. Around mid XX/XX/XXXX, it happend to me again, and I checked all my credit reports and disputed with XXXX regarding hard inquiry dated XX/XX/XXXX Captial One Bank : My 1st distpute conf # XXXX and result back to me that hard inquiry is factual record, no remove, and told me to contact directly Capital One. 
I tried again with 2nd dispute conf # XXXX, and also at the same time, I contacted Captial One by mail to address my issue per XXXX requested me to deal with Capital One. Then I was back and forth with Capital One ( I also sent Captial One police report ) and finally the bank sent me mail cofirmation letter dated XX/XX/XXXX that they requested XXXX to remove inquiry for XX/XX/XXXX from my credit file besides XXXX confirmed fraud inquiry has been deleted. After that, I cheked credit report and do not see this hard inquiry. 
Until XX/XX/XXXX, I logged in to check the report, and I see hard inquiry XX/XX/XXXX appear again on my credit file. I called 3rd dispute with XXXX conf # XXXX for the same issue, and they sent me letter mail stated this inquiry is factual record again, and their investigation respone letter has no change since my 1st and 2nd disputes.
Product: Debt collection

Received a letter from a company named Jefferson Capital Systems LLC claiming that I owed just under {$150.00} for an unpaid cell phone bill from XXXX XXXX When I contacted the company to inquire about the debt, I was transferred to a call center in XXXX who gave told me that they were going to report the debt to the credit agencies if I did not pay them the debt immediately. Since I had not had any cellular service with XXXXXXXX XXXXr since XXXX, nor had the company ever attempted to contact me in any way claiming that I had an unpaid balance, I was obviously very skeptical. Knowing that this was likely a scam at this point, I then contacted XXXX XXXX directly to inquire if they had any record of any outstanding balance due on my old account. They pulled my old account data and confirmed that there was no balance due, nor did they report any debt to any collection agency. When I contacted Jefferson Capital Systems back and confirmed to them that XXXX XXXX informed me that there was no debt nor had they been hired to collect such debt, the representative became very hostile before stating that they would just " forgive '' the debt. It appears very likely that this outfit has somehow obtained a list of XXXX XXXX 's old customers and is attempting to scam them out of small amounts which would be similar to that of an XXXX so that the victim doesn't ask any questions or contact the company to verify the debt. I guess we can add this to the endless number of debt collection scams out there predating on hard-working Americans.
Product: Credit reporting or other personal consumer reports

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid XXXX  fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Product: Credit card

this is a report against elan financial XXXX Texas I had there rewards credit card from Webster bank it is issued by them, I had lost my card and even reported them but my balance was all time high I told them it was fradulent and my mobile app was locked too they kept charging me with late fees and they didn't help me reopen online banking and said your account is in danger of fraud I told them I need help with online banking they didn't my face id was gone too and they kept hanging up on me and never helped XXXX and told me we are sending your account to collections and reported my high balance to all credit beuaeres including XXXX my credit score dropped from XXXX to XXXX and slowly to XXXX and they assigned a specilist to my cases and told me I will receive a phone call I have not received a single phone call in 2 months I always try to talk to them but they keep switching me and transferring my calls to different department they seriously have 1 star rating online please help me get my score back it would be Great if you guys report or tell this to other 2 beuares. and I hope they don't send my account to collections.
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
XX/XX/23 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Mortgage

We have a contract to sell the house in a short sale. The lender says they have 30 days to review the information and make a decision. They took more than 30 days to respond, though we had called in 2-3 times a week asking for updates. Each time, we were told we 'd hear something in " 3-5 business days '' but it took them several weeks to actually make a determination. Yesterday, we were told that we needed to counter the contract price of the property ( {$300000.00} ) to {$280000.00}. They then clarified that the net to the investor needed to be {$280000.00}. We asked what fees on the HUD the investor would not pay for, and were told that we were not allowed to know that information. We asked what the appraisal report stated the FMV of the property was, and the servicer told us that they " were not privvy to that information. '' When we asked how we were supposed to come to agreed upon terms without either of those pieces of information, it was suggested we eliminate substantially all fees on the HUD except the lender 's payout, which is impossible. We ca n't counter the buyer without knowing what the lender believes the FMV of the property to be, and we do n't know what fees on the HUD the lender wo n't pay for - so we 'll never be able to come to terms unless they tell us. With the foreclosure sale date in two weeks, we believe this is a showing of negotiation in bad faith : that they are trying to use the pending foreclosure to fleece the parties to the contract of their fees, and to make the buyer pay an artificially inflated price for the property. It is also important to note that the lender admitted that they never performed an interior appraisal - they just had a drive-by BPO and set the value using a third party webservice, such as XXXX, which have been proven to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from The Bureaus for an alleged debt originally from XXXX XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Inconsistent " Date Opened '' ( FCRA 609 Violation ) The account has different " Date Opened '' values across bureaus ( XX/XX/XXXXXXXX  vs. XX/XX/XXXXXXXX  ). 
Credit reporting agencies must provide uniform, accurate data. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Date Last Active '' was updated from XX/XX/XXXXXXXX  to XX/XX/XXXX, falsely making the debt appear newer. 
Debt collectors can not manipulate reporting dates.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is marked as both a Charge-Off and a Collection, which is misleading.

The account can not legally be both, and this is a false representation of debt. 
Dispute Handling Issues ( FCRA 611 Violation ) The account has been disputed, but no proof of verification was provided.

Under FCRA 609 ( a ) ( 1 ), I am requesting the original documentation used to verify the debt.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide : A signed original contract.

An itemized breakdown of the debt. 
Proof that XXXX XXXXXXXX has the legal right to collect this debt. 
If this can not be provided, this account must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Chase moved the date of my loan origination to XX/XX/2022. I did noy close on this until after this date! The papers were not on file with county of XXXX for the sale until the XXXX and I even checked with sales that I did NOT buy this home until after XX/XX/XXXX date. They are probably stealing millions in extra interest payments form customers this way!
Product: Payday loan, title loan, or personal loan

re : One Main Financial Adding Vehicle Insurance On Title Loan # XXXX On XX/XX/2018, in response to written communication received regarding failure to supply proof of insurance on vehicle used to secure funding, we faxed copy of Declaration Page for policy with XXXX XXXX XXXX XXXX/XXXX Insurance to number supplied, along with a US Mail copy sent for the second time. 

On XX/XX/XXXX we received notice, that 'despite two prior notifications ' a 'Lender-Placed Insurance Premium Add-On ' premium of {$470.00} was being added to loan amount. 

On XX/XX/XXXX a call was placed to Customer Service seeking information as to why, despite confirmation of document received, we are being charged this unnecessary premium amount. 'XXXX ' informed us 1. Mail received requires a month to reach data entry department for update to account and 2. No telephone calls are initiated by One Main to account holder requesting a second fax, if one page of original fax was blurred or hard to read, which was the case here. 

On XX/XX/XXXX, via the 'Contact Us ' page on website, we sent a notice of our displeasure with how our communications were not acknowledged in a timely manner to avoid a {$470.00} additional fee. We explained and verified both mailing address in XXXX, GA and fax number indicated on their documents. We were reassured all was now ok with our account and the additional fees would be 'waived '. 

On XX/XX/XXXX, we received 'Creditor Placed Vehicle Insurance ' policy from XXXX XXXX XXXX XXXX XXXX IN, indicating amount due of {$470.00} was being added to loan amount. 

On Tuesday XX/XX/XXXX, e-mail was received from 'The Executive Office of Customer Care ', asking us to contact XXXX XXXX , @ XXXX, option 1, extension XXXX to address our concerns. No mention was made as to what time zone this person is located, so our first two calls from PST were disconnected when keying in all the numbers. We attempted an earlier time, and finally did make contact with XXXX XXXX who is in CST. 

Unfortunately, this call was very unsatisfying, since this department had no copies of ANY documents pertaining to my issues! 

Please help us straighten this out! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated and inaccurately reported account that has surfaced on my credit report. This matter is of utmost gravity as it directly implicates violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), and may warrant further legal action.

Upon thorough examination, I have identified an installment account, labeled as XXXXDept of ED Loan , with a purported amount of {$2000.00}, which does not accurately reflect my current financial status. This discrepancy extends throughout my entire credit profile, encompassing inaccuracies in Account Numbers and the surreptitious concealment of pertinent account details. I have multiple pieces of evidence to substantiate my claim. Therefore, this shall be rectified immediately. I have a personal attorney ready and compliant for legal proceedings. 

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment, presenting a clear distortion of my credit history. These disparities have been meticulously documented across all credit bureaus and shall serve as compelling evidence as I pursue corrective measures to rectify the inaccuracies within my credit report.

It is imperative to underscore that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' constitutes severe violations of consumer protection laws, particularly the FCRA.

I hereby demand your immediate attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As mandated by FCRA regulations, I insist on receiving a response within XXXX  days from the date of this correspondence. Failure to expeditiously address and rectify these egregious inaccuracies will compel me to pursue all necessary legal recourse against the credit bureau.
Product: Money transfers

Employee Name : XXXX XXXX Recipients : XXXX XXXX ( self ) Recipients Bank : XXXX XXXX XXXX XXXX Confirmation Code XXXX Date Deposited XXXX/XXXX/2016 The questions is there any mistake in my personal details as why this deposit has been refunded back to my XXXX by CITI Bank. 

The XXXX other transaction I made on the same day went through. as of this moment I have n't heard nor received any return from the XXXX transaction I made Which is the recipients XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX as well. 


Please kindly enlighten me of the real status of this transaction. 

Respectfully Your ' XXXX
Product: Credit card or prepaid card

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts and erroneous personal information posted to my report. Here is the list of items opened without my permission : XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} Experian : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXXXX/XX/year> Also Known As : XXXX XXXX Also Known As : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  resolved a mistaken dispute that was verified as accurate by both myself and the lender, Dovenmuehle. Now that account is reporting, it's missing information. Such as loan balance, and payment history. Please update missing information.
Product: Debt collection

On or about XX/XX/2022, NCB Management Services reported acquiring a debt from XXXXXXXX XXXX XXXX On or about XX/XX/XXXX, NCB Management Services reported a tradeline XXXX and XXXX without allowing me the opportunity to Dispute the debt. NCB Management Services ' actions violate the Fair Credit Reporting Act in that 1. Account not mine, I had no knowledge of the account on or about XX/XX/2022. I do not have any contract with NCB Management Services wherein I promised or owe NCB Management for services Provided. They did not provide me with the original contract as requested. 
2. They did not notify me or give me time to dispute the account before reporting the credit bureaus.

3. I have not knowingly opened an account with XXXX XXXX XXXX therefore tradeline reported by NCB Management is Fraudulent. 
Per the Fair Credit Reporting Act, a person 's consumer report should contain ONLY, Accurate, Complete, and up-to-date information. The information reported by NCB is INACCURATE and a continuous inclusion on my consumer report is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I received 2 letters dated XXXX XXXX stating that my credit card applications have been denied but I didn't apply for any. I looked at my credit report and there is also a 3rd card application on XX/XX/XXXX that I haven't received a letter about yet. All inquiries are from XXXX XXXX