23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There is debt listed in collection on my credit report. 
I was unaware of this debt and have not received any bills or corespondence from the original company or the collection agency. How do I get this removed from my credit report?
Product: Debt collection

This company has contacted me when I told them not to contact me during my work hours which are XXXX XXXX to XXXX XXXX. I received a call at XXXX XXXX
Product: Payday loan, title loan, or personal loan

Mariner Finance I have called and explained I don't have the funds and that I was going through XXXX XXXX the manager got on the phone and said well unless they pay us off we don't do that and we have to do something about this account.. 
I explained I have a child with XXXX I don't have anything right now..
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for student loan account XXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told credit union Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX of dollars from the error that was made. Ive never been late and I believed the credit union Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. credit union Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to credit union Mortgage ( one has already been completed ). Credit union Mortgage can schedule the payment if they want assurance. Credit union Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit
Product: Debt collection

On Thursday XX/XX/2020 I received a call from my mother in law because she had received several calls from a number looking to locate me and the lady on the phone said she was a processor and is looking for me to service me for a debt I owed but she refused to give her name or company she was with so my mother in law hung up and immediately called me thinking this was my ex husbands mother who I have a 50 year order for protection on my ex husband trying to locate me. I asked for the number the lady called from which was XXXX and I tried calling the number which just rang did not go to a debt collection company so I then thought test my ex husband is trying to find me again and immediately thought me safety was in jeopardy. About two hours later that same number called my work phone twice but I could not answer because I was with a customer and then then called again and I answered and it was the lady that had called my mother in law several times she started saying shes been trying to get in contact with me thats shes a processor and trying to service me and she would have my address verified in two hours and I can call XXXX to discuss the debt and she will call back when my address is verified to come to my home. I immediately called XXXX and a guy name XXXX got on the phone and said that I defrauded XXXX XXXX and I will be taken to court unless I take care of whats owed right now. I explained I never defrauded XXXX XXXX I explained I was paying the loan and I fell into financial difficulties and especially now because of COVID-19 he said well I need to pay something today and how am I surviving if I dont have money to pay the debt I kept saying I dont have any money right now and then he said well see you in court and good luck in court. I then looked at the letter I received from XXXX XXXX just a week prior and it states my debt was sold to Midwest Recovery Fund , LLC so then I really started thinking my safety is I. XX/XX/XXXXand my ex is looking for me again. The processor lady then called my work number twice and then my cell phone but I was still working so I couldnt answer but then again she called my work number I answer and she said did you talk to XXXX I said yes and explained that the company was extremely rude she giggled and said how so I said well to ask me how I am surviving and cant pay a debt is completely out of pocket she again laughed and said well I will be proceeding with the court action and do I still work for XX/XX/XXXX when I said no I have to worry about distance learning for my children so I am not working she said yea we all know you have a lot of children and then she said shes contacting HR and that she will be to me home in 1-2 hours to serve me. I felt threatened as I have extreme safety concerns from a past abusive relationship where the man was sent to prison for many years and I have a 50 year order for protection on him so I immediately told my kids get inside and locked all my doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Paypal credit stating that I had been approved for a certain amount of credit line. I do not have a Paypal account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.
Product: Credit reporting or other personal consumer reports

Account opened fraudulently with XXXX XXXX XXXXXXXX XXXX on XXXX Hard inquiries inquired Fraudulently XXXX ) XXXX XXXX inquired on XXXX XXXX ) XXXX XXXX XXXX inquired on XXXX
Product: Student loan

Nelnet continue debiting my account after the loan was paid-off. They overcharged my account by {$400.00}. They claimed that it will take them 4-6 weeks to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. In accordance with the fair credit report act Everything on my credit report has to be XXXX XXXX accurate. The credit bureau stated my account was properly investigated but how is that possible if open date is inaccurate the last active date is inaccurate and the last reported date is not accurate this is grounds for removal they also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX XXXX has violated my rights by reporting payments in XXXX XXXX as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX XXXX  continued to report my payments as late which is a violation of the CARES act.
Product: Checking or savings account

My deposit account is overdrawn and they are charging me fees and interest this is not fair to me their are also fraud charges I had {$3000.00} in my account and now it shows as if I owe them - {$500.00} this is ridiculous I want my money back that they stole from my account debit card and the fees reversed
Product: Mortgage

I try to pay my mortgage by the XXXX but for XXXX my pay period came after that so I was going to pay and I knew there would be a late fee. My mortgage is with Lakeview Loan Servicing XXXX and according to the reports I've seen they were hit with a cybersecurity attack and many people were affected. The thing is the website has been down for over 2 weeks and the customer service line has no information on our loans! I don't want to be in default of my loan! It's now XX/XX/XXXX and I still can't make a payment. I don't want to have a negative mark on my credit because of this.
Product: Debt collection

Has contacted myself and has left threatening messages. Has also contacted family members and have left the same threatening messages with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert showing a 30-day late payment on my credit report in XXXX of 2022 from Affirm. 

When I first signed up for this account they were not reporting to the credit bureaus and as a matter of fact, that was one of the leading factors behind my using the company to make a purchase. This is my first time ever using Affirm. 

After I got the account they started reporting to the credit bureaus, and they didn't give consumers an option to opt out. I already felt that was a violation because it changed the age of my credit report and my utilization. It also reports as a consumer finance account and that carries a negative indicator on credit reports. Lastly, it's a short-payment account and upon paying off the loan I also took another hit from the account closing. 

On top of that, my truth in lending disclosure shows a different payment date from the one that they claim is the date they based the late payment on which can create confusion. 

I called the company and requested a removal of the late payment. A supervisor told me he would put in the request and I should hear back in 3-5 business days, but almost immediately after I got off the phone I got an emailed response that seemed automated saying they would not remove the reporting. I sent back a lengthy email stating my cause and have not gotten a reply back form the company. I was originally told I would hear back by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC report and I haven't got a response back from the major bureau. I am a victim of Equifax data breech this is fraud on my account. I never agreed to having these credit cards on my account, I am very upset.
Product: Checking or savings account

I was contacted XX/XX/XXXX by a man online looking to buy a mattress I had posted for sale for {$200.00}. The man sent me a check via email for {$1400.00}, which I deposited on XX/XX/XXXX, and after subtracting my selling fee I was to give the remainder to movers the man said he had hired to transport my mattress. I sent a XXXX transfer of {$1200.00} on XXXX to the person I was told would be moving the mattress. The man never showed to pick up the mattress and did not reply to messages or calls I sent afterwards. On XXXX my account was debited {$1400.00} for descriptive forgery. I didnt realize this had happened until trying and failing to use my debit card at the store, after which I called my bank on XX/XX/XXXX to see what the problem was. I was simply told that the check had bounced due to it being a fraudulent check, and after asking if I could be refunded in order to pay my bills I was told there was nothing they could do on my behalf. They recommended I try and get in touch with the initial man I had spoken to or reach out to the police to make a statement.
Product: Mortgage

Back in XX/XX/XXXX, Chase notified us that our escrow account was about {$2300.00} short and that they were going to spread this amount out over a period of months raising our monthly payment by about {$30.00} per month. I contacted them and asked for an explanation, and the information I got from them did not explain this sudden shortage. I then reviewed the tax bills and homeowner 's insurance costs for the last two or three years and the amounts that we were billed by the tax authority and XXXX XXXX appeared to match the amounts that was being deducted from our mortgage payment each month. This past year the taxes and homeowners insurance were totaled about {$130.00} more than the 12 months of escrow deductions. The deductions were not all the same, but most of them were in the vicinity of {$850.00} out of {$2900.00} monthly payment. 
I would just like a plausible explanation for this shortage. Our X/XX/2017 statement says {$980.00} was paid to escrow. If that amount was paid for 12 months, that would exceed the annual taxes and homeowners insurance by almost {$2000.00}.
Product: Credit card or prepaid card

I made a card to bank transfer from my pua card from us bank on XX/XX/XXXX for {$770.00} it posted in my checking on XXXX/XXXX/XXXX. On XX/XX/XXXX us bank reversed the transaction stating I needed to fax Id then they would refund my account. On XXXX I faxed Id, on XXXX they unlocked my card. I have called over 15 times to see where my money is and get told give it 5 days every time. Now I was given a tracking number and told there is nothing else they can do. I contacted the bank the tracking number is for, which is not mine, and they stated the number only shows them tacking the money back it was never refunded, I call us bank back and is told they cant help me anymore. I have no clue how to get my money back or who can help me. It has been over a month and no one can tell me where my money is.
Product: Credit reporting

I have been in contact with Professional finance regarding XXXX accounts that are being reported to Experian, I have disputed both of them via Certified mail and in response Experian has claimed they are accurate and verified, Attached is a letter from Professional finance agreeing to remove themselves from my credit record. I sent a letter to Experian and in return they refuse to reinvestigate. Experian refuses to deal with me and remove inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Checking or savings account

I made a transaction on XX/XX/XXXX through XXXX to send money Of {$50.00} to my nephew. I did it wrong transaction of {$50.00} and we call XXXX and they refund me the money. Then I did it the transaction again of the {$50.00} right way. Chase charge me 2 times the same transaction on XX/XX/XXXX. Now I do not get monthly statement so I did not know they did this to my account. Yes i go online but it just to pay my bills online and get offline. I don't do research on my bank account because I trusted Chase. I went online XX/XX/XXXX because I had to find a payment I made, I noticed the double charge of XX/XX/XXXX. I call and they gave me a one Reversal Claim/XXXX  on that date XX/XX/XXXX. I look on XX/XX/XXXX and noticed they did a took back the Claim Reversal on XX/XX/XXXX that they gave on XX/XX/XXXX. I call Chase and they claim that it was over the 60 day period so they deny my claim. They even claim to have sent me a letter sometime in the middle of XX/XX/XXXX. I never got the letter. Now first of all I never knew they was a 60 day claim policy. Like I said I had trusted them with my money till now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. Equifax and XXXX are still reporting fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
Product: Credit card

I recently pulled my XXXX and XXXX ctedit report and to amazement, I still see this company name Synchrony Bank/ Walmart account displaying on my reports. I have been disputing this account with credit reporting agencies XXXX and XXXX, but it comes back " verified '' since 2014. I have also contacted the data furnisher as well. They tell me account has been sold, but does not verify/ validate ownership. Synchrony Bank is the company that is listed on my credit report with XXXX and XXXX. No legal proof has been provided to justify the company name being on my credit reports. I have requested information, documentation, validation, and verification. Nothing ever gets accomplished, this company name continues to remain on my credit files with XXXX and XXXX unjustly. It is a violation of my federal rights under the Fair credit reporting Act and Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

XXXX XXXX i was trying out traffic system, they gave me something else .So i canelout i sent to company, and i went through XXXX  i made complaint, l they refused me too give me my money back.So i went to Capitalone told them.XXXX XXXX was posted.Cancel on XX/XX/2019 i got charge XXXX plus interest fees. Company XXXX XXXX, Capitialone gave me Refund.but Capitalone rebilled me recharge me {$18.00}, for fraud.
Product: Debt collection

Hi, This company is trying to collect utilities debt from XX/XX/year> to XX/XX/year>. 

Our lease agreement ended XX/XX/year>. We were not residents and this debt is not ours. 

This organization is unlawfully attempting to collect a debt that is not ours and has illegally damaged my credit.
Product: Debt collection

They harass me every couple of days even after I asked them to stop contacting me. This morning they called again before XXXX XXXX  and when I asked who they were they said, " uh I don't know '' then hung up. I then called them back and the recording says they are Snap Recovery.
Product: Mortgage

Received letter, dated XXXX XX/XX/2020, from Nationstar Mortgage LLC stating that interest rates would be sent to my email address, XXXX. I never received these interest rates by email.
Product: Credit card

I reached out to Amex customer service for an offer that wasnt honored after spending double the amount required to meet the spend requirement. I was told that it would take time to apply to my account, so I waited until 3 days before the offer expired. Now I am being told that I didnt meet the spend requirements because I didnt buy the product through the website. I did buy the product through the website and I can see in the description of the purchase the vendors name. I was misinformed from a representative saying that this would be honored and then from another representative that I would get notification on the follow up on this case. I had to reach out again to see what was the outcome of the case and was told i didnt meet the criteria of purchasing the item. This is foul play and I will not consider using the offer features of Amex again. It makes me not even want to be a customer of their credit card services.
Product: Checking or savings account

OnXX/XX/XXXX I walk in US Bank and deposited {$3000.00} which requires 3 to five day hold for verification. OnXX/XX/XXXX after  approving fund the bank placed a secondary hold on fund and route the funds to XXXX  fraud department knowing this is personal account not associated with business activity and therefore, a fraud alert process was initial to remove funds from personal account. On XX/XX/XXXX when I called the fraud department to inquire about the funds being placed in the fraud department for what reason I was told by XXXX in the fraud unit it was because they couldn't verify the funds, I explain to XXXX  that XXXX XXXX inform me that the funds were there and they have not received a request for verification.