23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Creditor contact detai ls : National Credit Systems,   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX   (   XXXX   )   XXXX . Reporting a open date to my credit on  XXXX   XXXX ,  2015. Ori ginal creditor :  XXXX   XXXX   XXXX . I do not have any knowledge of this debt. I have never received any communication notifying me of this debt and their actions to place this debt on my credit, negatively impacting the reputation of my credit worthiness and livelihood, prohibiting me from being able to secure stable housing for my family and I. I request written validation of this debt including contracts between the creditor and I and valid signatures. I request that this property remove this derogatory mark from all three reporting credit bureaus and allow the chance to secure validity of this debt.
Product: Vehicle loan or lease

In XX/XX/XXXX I leased a car with XXXXXXXX XXXX in XXXX, NY ( 3 year lease ). In the winter of XX/XX/XXXX I started receiving calls from XXXX XXXX offering me the opportunity to turn my lease in early. XXXX XXXX kept on calling me until finally ( in XX/XX/XXXX ) I went in to listen to the offer. Before even attempting to listen to the car salesman, I asked if I would be required to pay any money ( at all ). The man insisted I would not. The car I was turning in was way under the mileage amount and there were no damages to the car ( besides a few stains on the seat which I absolutely would admit to ). When all was said and done, I turned in my lease and exchanged it for a new lease. I decided that I would come back to exchange the cars due to the fact that I needed to clear items out of the trunk. I returned to exchange cars and, again, asked the salesman if everything was set and done. I asked if the car is okay and all set, and the man insisted " yes yes everything is taken care of. '' Like I should have imagined, it was n't. In the summer of XX/XX/XXXX I  received a bill. I called XXXX XXXX XXXX  requesting a rundown of this bill. The man on the phone could not tell me what I was being charged for and someone said that they would call me back. No one ever called me back. In Fall of XX/XX/XXXX I received a bill from a credit reporting agency. Hyundai had sent the bill to a XXXX XXXX  XXXX. I went into Hyundai demanding to know why I owed the money. The manager of XXXX XXXX claimed upon inspection the car had damages totaling to such a large amount. They also mentioned some kind of fee in which I am required to pay because they did not get the amount of money that they wanted at auction. I told them that I am not paying this bill due to the fact that this inspection was done with none of my input and out of my sight. As well, I was not informed of other fees even though I consistently asked if there would be other fees. Furthermore, even though XXXX XXXX XXXX sent this bill to collections, they are still reporting it as late EVERY MONTH on my credit report. I am taking them to small claims court but I also need something to be done about the reporting that they are doing. It is not right and they participate in predatory practices and underhanded transactions. They preyed upon individuals and when all is said and done they do n't do anything to assist you.
Product: Mortgage

received a phone call from a XXXX XXXX telling me that he is with my mortgage company, Bayview Financing. he asked for my s.s. number or loan number. i gave my loan number. he was able to pull up my loan information. he then said that today is the deadline for a loan modification. he offer to lower my payments about XXXX %. BUT, he needed the first of 3 trial payments TODAY. I asked for an email from Bayview reviewing these terms. after initially agreeing to do so, he then exclaimed that i was on a no email list. This is when i knew it was a scam. when i asked for more of his information, he hung up. the call came from XXXX his voice mail left his direct line of XXXX which is the line i called and he answered. losing your home is traumatic enough without these people making it worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

there appears to be accounts on my credit report that I have not opened
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and I noticed the following inquiries dont have permissible purpose XXXX XXXX does not have permissable purpose according to 15USC XXXX XXXXXXXX XXXX XXXX XXXX does not have permissable purpose according to 15USC XXXX XXXX XXXX -- does not have permissable purpose according to 15USC XXXX XXXX XXXXXXXX XXXX XXXX -- does not have permissable purpose according to 15USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX, This complaint is related to complaints opened already XXXX XXXX I have been receiving bill pay cheques sent to companies back directly to my home address. 

I received the check sent from XXXX XXXX. I tried to Stop payment on the cheque sent through wellsfargo bill pay account. 

When I click on stop payment, on following cheques, the action doesnt result in any result. Money is not credited to my account. I dont receive an email acknowledging my request for stop payment. 

XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX EditDelete
Product: Checking or savings account

On XX/XX/2022, I initiated a XXXX transfer of {$150.00} to my friend to her phone number and her full name XXXX XXXX ; but 5 days later my friend was asking about the XXXX payment ; then I realized I misspelled the last digit of her number as " XXXX '', ( the correct number is XXXX ), and the fund was sent to the owner of that number, even when the name of the recepient did not match my payee 's. 

I contacted CHASE but was told that they can try to recover the fund, but with no guarantee. I also contacted the actual recipient of the fund, who acknowledged the situations and agreed my bank 's future action for the recovery.

I contacted CHASE a week after my initial dispute but did not hear any update but replied with the same statement : " We'll try, but no guarantee. '' I explained to CHASE this is a very obvious loophole for money laundering schemes, and CHASE shouldn't have sent the fund in the first place due to name and phone number mismatch, and they could not give me any answer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN TRYING TO GET MY TAXES RETUNED FROM THIS COMPANY FOR OVER XXXX XXXX  NOW!!!! I DO NOT bank with this company!!!! My refund was sent to them in ERROR!!! They will not return my refund to the IRS. I had an investigation done. Their response to the IRS was that the funds were sent to an account that was not mine or joint filer. NOTHING about how they would rectify and send me my funds. I have no choice but to make this a civil matter which will cause me even more stress. I need my funds returns of {$4800.00}. I will not let this bank keep my money. I have begged them to just send it back to the IRS its not like that will put the bank in debt. At this point I will have to seek legal assistance to sue this bank for not rejecting the return and sending the funds back to the IRS.
Product: Checking or savings account

I was a subscription customer of XXXX, which charges a monthly fee of {$32.00}, while you keep your subscription, members are sent cologne/perfume sample size containers per member 's choice that are selected from XXXX XXXX catalog listings. 

I joined this service on XX/XX/XXXX. In I canceled my subscription after 29 boxes were received. I canceled the subscription on XX/XX/XXXX, with scentbox through my scentbox portal. My online account at XXXX shows the status of my account to be " EXPIRED '' and states that I would have to reactive the account. However, with this cancellation being complete it, in fact, end a consumer relationship with scentbox and revoked the authorization for them to continue debiting my account at PNC Bank. 

Furthermore, unfortunately, this was not the case. XXXX continued to auto-debit my account after the authorization revocation. XXXX XXXX debited my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all in the amount of {$32.00} totaling {$490.00} stolen from my account since I am not a member and NOT receiving any goods or services for this money since I canceled the account and have that documentation. 

I have attempted to contact the number listed under customer service for scentbox and am told there is no one for me to talk to about the matter. I then to PNC Bank and spoke with a banker who filed a dispute of these charges but never kept or made copies of the documentation that I brought with me to give the PNC banker. I honestly do not even think she looked at any of the documentation I had. I was given a provisional credit but whatever scentbox said to PNC they reversed the provisional credits on XX/XX/XXXX even with the account documentation I have straight from XXXX 's account for my account being closed. The banker even told me that I could not revoke authorization for them to debit my account even though federal law states that I have notified them that they do need to stop them from debiting my account. 

This is my last ditch effort to resolve this issue and get my money back otherwise I will be forced to take legal action as the remedy.
Product: Mortgage

On XXXX XXXX, XXXX, I received a notice from XXXX XXXX Tax office stating that my property taxes were delinquent. I immediately contacted Vanderbilt Mortgage at XXXX and was transferred to their " tax team ''. I spoke with " XXXX '' who refused to provide his last name but informed me that his extension is XXXX. After explaining my situation to XXXX, he informed me that Vanderbilt received the same notice from XXXX XXXX XXXX office, however theirs stated that there was a delinquent amount of {$610.00}. I asked XXXX if he could provide me with the last payment made to XXXX XXXX from Vanderbilt XXXX via our escrow account ) and he said it was {$360.00} paid on XXXX/XXXX/XXXX. He then informed me that we signed an agreement for home and land taxes to be paid from our escrow account, however he could not explain why we got a delinquent notice or why they did not contact us when they got the notice. XXXX then informed me that he had another address for us, but refused to give me the address he was referring to. I then informed XXXX of what our address was and told him the address he was referring to did not exist. I am stunned that my mortgage company would have the incorrect address on a contract we signed 2 years ago. I want to know from Vanderbilt why I am receiving delinquent tax notices if they were suppose to be paying the taxes from my escrow. Also, Vanderbilt informs us every few months that our mortgage payment increased. This last time it increased from XXXX to XXXX. They constantly blame it on the insurance, however we have a fixed rate. I would like this company to be investigated.
Product: Credit reporting or other personal consumer reports

Exeter Finance made an error in their online portal payment amount for my account. The amount they placed in their online payment portal was lower than the amount in the contract. 
There was an error in the calculations on balance. They credited the account the amount they miscalculated. 
These errors were found and addressed after my loan had matured. They took from XX/XX/year>2024 to XX/XX/year>2024 to credit the error. They would take take any monthly pay from me at at that time but continued to report payments as late. This led to a huge reduction, XXXX points, on my credit score. 
They should have frozen on reporting until they credited my account. Then asked for payment. 
I need the 90 Days late report forgiven and acknowledged to the credit report bureaus. I need my scores back up immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XX/XX/XXXX & XXXX I submitted a complaint XXXX Explaining that this account did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account for U S DEPT OF ED/XXXX and review all the identity theft information that I previously sent you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX has violated my rights. 

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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Child Support Accounts Reporting Violation of FCRA To Whom It May Concern, I am formally disputing inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which grants me the right to dispute and have unverifiable or inaccurate information removed. 

The following account is fraudulently reporting under my name : Creditor Name : XXXX XXXX XXXX Attorney Account Type XXXX XXXX XXXX  Amount Owed : {$15000.00} Credit Bureaus Reporting : EXPERIAN, XXXX AND XXXX I XXXX not have any children and, therefore, do not owe any XXXX XXXX obligations. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX, where I spoke with a XXXX XXXX XXXXXXXX, who verified that I do not have any outstanding child support accounts. She also confirmed that my information was mistakenly associated with another individual with the same name who actually owes this debt. Furthermore, the XXXX explicitly stated that their agency does not report to credit bureaus, making this entry both inaccurate and unauthorized. 

Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain accurate information. Because this account does not belong to me and is based on mistaken identity, I am demanding its immediate and permanent deletion from my credit reports.

I expect a written response within 30 days as required by FCRA 15 U.S.C. 1681i ( a ) ( 1 ). If this inaccurate information is not removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney XXXX XXXX for violations of federal law. 

Please investigate this matter and provide written confirmation once the fraudulent account has been removed. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Specially cash app failed to take timely and effective measures to prevent and address fraud on their platform, learning my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic and fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

On XXXX XXXX, I go to Citi Bank XXXX  XXXX ( CA ) branch to open a bank account where the staff XXXX XXXX ( NMLS XXXX ) told me I am eligible for the offer of {$400.00} bonus. XXXX told me within 30 days I need to deposit {$15000.00} and maintained the account for 60 days then I will get my bonus. I accomplished the deposit for {$15000.00} in XX/XX/XXXX and in XXXX I called the branch to see why my bonus didn't come in. XXXX told me I need to maintain the account for another 90 days which she NEVER mentioned when opening the account. So I waited till XXXX, still nothing in my account. I called back again and she said I was missing the XXXX form which I need to go to the bank and file the document and the {$400.00} will be wired within 10 days. I did go to the bank on XX/XX/XXXX and she filed the document for me, after more than 10 days, I called the customer service since I still didn't get the offer. They help me to file an investigation, another 10 day passed, I call the supervisor and was told that a mail had sent out on XX/XX/XXXX informing I met all bonus conditions, but I didn't receive it at all. I called it again and this time I was told that I need to open another saving account. During the whole process, the agent XXXX XXXX who is responsible for opening the account for me had never mentioned once about the saving account. I did ask about the saving account and she told me it's fine to not open it, it won't affect the promotion. I know for sure just because I asked and she did respond to me and my spouse that way. Citi could review the footage to prove that. It's been more than 6 months and she didn't even mention when last time I went to file my XXXX as her request on XX/XX/XXXX. I asked about why the offer didn't come in after I qualified all the requirements. She said it's because of the XXXX form, once we filed it, the money will be transfer in 10 days. The supervisor helped me to transfer to another agent XXXX who promise to escalate the case for me on XX/XX/XXXX. This bank error by staff caused me 6 months and still got nothing of my {$400.00} as XXXX promised. Please help, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT PRIMARY NAME AND ALIAS NAMES AND WRONG ADDRESS AND TOO MANY PREVIOUS ADRESSES THAT I NEVER LIVED AT SEE XXXX XXXX FOR FULL EXPLANATION
Product: Money transfer, virtual currency, or money service

I used my cash app card for XXXX stays at a XXXX XXXX in XXXX, Georgia, where incidental fees were charged to my card. After the first charge, I contacted cash app, and within XXXX days the incidental fees were returned to my card. 
At present, I have XXXX outstanding transactions from the same hotel, but Cash App is refusing to release my funds back to me, which nearly totals XXXX for XXXX different hotel stays. They are refusing to return the fees under very suspicious circumstances. They have hung up on me twice today, insulted me, and refuse to refund the incentive fees,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Accounts # XXXX has been paid and closed since XXXX but on my report, this is still showing with lates but my record shows XXXX balance. How can this be? They should be update this account.. This inaccurate account is preventing me from getting the credit I deserve and it needs to be updated immediately! 
XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card

I have a Target XXXX. I made a payment on XX/XX/XXXX in the amount of {$530.00}. The next day, an auto payment of {$31.00} was paid. My credit limit is {$600.00}. It is XX/XX/XXXX and I still can not use my XXXX XXXX  to make purchases. When I log in to my account, my payments are recorded, and shows an availability of credit. Despite this, I can not use this credit card. I called and asked for an explanation and was told to wait another week or we could get on a conference call with my bank to verify the payments. The money used to make the payment has already left my bank account and gone to pay the XXXX. They've taken my money and won't let me use my credit card.