23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received my credit report from TransUnion today and in there it says I have a balance due of {$270.00} from XXXX that went to the collection agency XXXX. I have never had a account with XXXX, and when I called, they informed me that they have no information on me or any record of me ever being a customer with them. I then tried to fill a dispute online and over the phone with TransUnion and was denied because they could not confirm my identify based on the questions they had asked me ( questions I could n't answer because they 're possibly about whoever is stealing my identity or whoever they 've mistaken me with ). They were asking me questions about a auto loan and a mortgage, neither of which I have never taken out. I tried several times to tell them that fact, and also informed them there was another name and phone number on there that is n't me, and that this could potentially be a case of mistaken identify or even identify theft. I was told there was nothing they could do because they could n't confirm my identity.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance : {$440.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Bank of America is not reporting correctly on my credit. They included my mortgage in a Bankruptcy when I had paperwork with in my bankruptcy indicating possible re-affirmation. I continued to make payments on time also indicating of a reaffirmation from XX/XX/XXXX to XX/XX/XXXX as per my HAMP modification. This is also not reported. I also paid loan off in full by refinancing and Bank of America is refusing to show the payments from XX/XX/XXXX to XX/XX/XXXX and status of account paid as agreed on credit. They are sure quick to show bad status by will not show anything good.
Product: Debt collection

When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called Hunter Warfield. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.
Product: Debt collection

Settled to pay a debt with First National Collection Bureau Inc on XXXX/XXXX/XXXX the original bill was with XXXX XXXX for {$1100.00} they agreed to accept {$710.00} and have account settled in full and closed. First national stated they could email and mail me a letter stating account has been satisfied in full once payment is made. Now payment has been made and cleared with the bank on XXXX/XXXX/XXXX and after calling for 3 days I have not received a letter in the mail or an email. I called today XXXX/XXXX/XXXX and the customer service representative states the letter will be mailed today. The letter should have been mailed on XXXX/XXXX/XXXX or at least no later than XXXX/XXXX/XXXX. The company is giving me the run around and not answering simple questions like how long will it take to draft a letter stating account has been settled in full and account closed. The representative informed me I could go online but that only shows the amount I paid and still has an outstanding balance. When I asked the representative about updating the online information she states she will send up the request to her supervisor. I just want a letter and an email sent to me stating the account has been settled and closed for the agreed amount of {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company was notified by certified mail proof below they received and signed for the debt valadation i sent 0n 5/30/22 its now 6/7/2022  and did not  respond within 5 days according to the law that is a violation of 15 usc 1692g (b)Failure to send the consumer a 30-day validation notice within five days of the initial communication Collector must cease collection efforts until debt is validated also received a misleading letter in the mail in bold writing saying this is an offer to resolve financial situation no where on the letter does it saythe mini maranda that is also a violation of 1 5 usc 1692e (11)  company also violated  HIPPA  i did not give anyone consent to furnish negative information on my consumer report this is very stressful and causing me to pay higher interest rates and hurting my chances of getting housing  i want this removed and blocked from experian transunion and equifax.       ALSO THIS COMPANY LICENSE IS NOT REGISTERED IN CALIFORNIA WHICH MEANS YOUR NOT ALLOWED TO operate or COLLECT IN MY STATE
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the accuracy of a charge-off account reported by Sezzle In addition, I have never received a Form 1099-C ( Cancellation of Debt ) from the creditor, despite the account being charged off. I respectfully request that the CFPB investigate this matter and compel the creditor to provide the required 1099-C form, if applicable. Furthermore, I ask that this charge-off account be reviewed for accuracy since I never received the 1099-C form, which casts doubt on whether the cancellation of debt was properly handled.
Product: Mortgage

I am being charged for payment " reversals '' which are issues between the bank and Freedom Mortgage. Neither the bank or Freedom Mortgage can explain why these payments were reversed. In addition, for every reversal fee of {$25.00} they are tacking on a " property inspection fee '' of {$25.00} every time there is a reversal. They say this is because they send an inspector to ensure the property has not been abandoned. I was charged for 4 property inspections in the space of two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple notices of disputes to EXPERIAN informing of the inaccurate information being furnished on my consumer report. Most recently I've sent notices to EXPERIAN on XX/XX/2022, XX/XX/2022 and XX/XX/2022 that have not been addressed or resolved. The following information being reported is affecting my ability to obtain new credit which has caused me me stress, adverse actions and Defamation of Character : XXXX XXXX XXXX / Amount : {$1000.00} XXXX XXXX XXXX / Amount : {$8000.00}
Product: Consumer Loan

I was called put a place that is trying to collect on a auto loan when I answer my the collector did n't verified any info on me and just disclose everything about the passed due loan. I know this he was not aloud to do that. The number that keeps calling me is XXXX. He told me how much I owned and who I owned and how much a XXXX would be, but did n't know if he was talking to the right person or not because he never verified me at all
Product: Payday loan, title loan, personal loan, or advance loan

Kinsmith Finance called my Boss personally claiming to verify employment and asked how to contact me. I would not have given them him personal number had I know they would contact him about a loan. That is a personal matter and an invasion of privacy. I know I am behind on payments but they have no right to contact my employer or my boss. They violated my privacy and I want it to stop or I will have to seek legal counsel.
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible. 





Account Name : XXXX, XXXX When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX Account Name : XXXX XXXX XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lobel Financial Corp # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Mortgage

I purchase my single-family home in XXXX for XXXX. It was refinanced in XXXX ( victim of sub-prime lending practices ) loan was serviced by XXXX from XXXX in which qualified and was accepted in the ( HAMP ) program. In XXXX, XXXX XXXX  sold mortgage to XXXX XXXX XXXX ( who forgave XXXX ) of the debt through the Mortgage Debt Forgiveness Act .In XXXX XXXX sold my mortgage to Fay Servicing LLC ( who was recently sued by your agency for consumer 's protection violations. ) Fay Services arbitrarily and without notifying me in writing changed the terms of mortgage to an adjustable rate mortgage set to " balloon '' in the next few years with a mature date of XXXX. I have already invested 22 yrs. and with this loan rewrite it's like starting all over again. I'm XXXX years old and XXXX with SSI benefis as my only source of income. Can Fay Services do this? Do I have any other options? Was the HAMP program in force when it was sold by XXXX?
Product: Credit reporting or other personal consumer reports

Here are the specific items I am disputing : **Personal Information : ** - **Incorrect Date of Birth** : XXXX - **Incorrect Current Address** : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - **Incorrect Employer** XXXX XXXX XXXX XXXX - **Incorrect Employer** : XXXX XXXX XXXX - **Incorrect Name** : XXXX XXXX - **Incorrect Employer** : XXXX XXXX XXXX XXXX  - XXXX XXXX Address** : XXXX XXXX XXXX, XXXX, GA XXXX **Collections/Accounts : ** - **XXXX XXXX** : Account ending in XXXX XXXX XXXX : Account ending in XXXX - XXXX XXXX XXXX : Account ending in XXXX - XXXX XXXX XXXX  : Account ending in XXXX - XXXX XXXX : Account ending in XXXX XXXX XXXX XXXX  : Account ending in XXXX - XXXX : Account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing auto loan Through CREDIT ACCEPTANCE LLC. They stopped reporting my payments XXXX of 2020. I have disputed this thru all credit agencies only to have credit acceptance verify info as correct and nothing changes. It has damaged my credit because they are showing as missing payments. I have talked to credit acceptance and they point the finger at credit agencies. I have talked to all credit agencies and they point the finger at credit acceptance. I need this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor. 


XX/XX/XXXX I first received a collection from XXXX XXXX stating I owed {$120.00}. I initiated a dispute by writing requesting verification of debt. 

XX/XX/XXXX I received a response stating the debt had been verified. 

XX/XX/XXXX I write a second dispute again requesting verification of debt. 

XX/XX/XXXX I receive a response from the same company XXXX XXXX stating they will not be handling the collection debt. 

XX/XX/XXXX I received a collection letter from XXXXXXXX XXXX attempting to collect the same debt.
Product: Debt collection

Synchrony Bank keeps calling multiple times at various hours and even on the weekends as well as texting and emails, even after I told them I lost my job to crona virus lockdowns, I told them as soon as I come across any money I would finish up my tab with them I cant help we are in pandemic and my job decides to shut us down to help stop the spread of covid since we have a huge surge right now and no beds are available. If I had any money I'd try to make payments but im laid off at the moment till our cases with covid go down. Im already stressed about the pandemic and paying my bills now I got synchrony bank harrasing me on top of it, then they ruined my credit. Closed my account and are charging me late fees and making it worse to get ahead of this curve ball that's out of my hands.
Product: Mortgage

Provident Funding received a quote for home insurance from my current incumbent ( XXXX XXXX owned by XXXX. This was over 2 months early ( from the renewal date ) and over a 20 % premium to my previous contract. They paid this early via my escrow account and without any consultation. 
Our contracts do not identify any terms for governing this process however a reasonable person could expect that a service need only be paid for a week in advance and anything over 10 % should be consulted with the client whose money they are spending. 
Provident 's response has been that I must spend my time to contact the insurance provider and request a refund and during the interim must find new money from somewhere else. It is not their problem even though they created it.
Product: Credit card or prepaid card

I received a Promotional balance transfer offer from the card issuer. I took advantage of this and requested a balance transfer of {$23000.00} that was processed on XX/XX/2019. The card issuer mailed a check in the amount of {$23000.00} to the receiving bank. Since the receiving bank did not receive the check until XX/XX/XXXX, I called the card issuer and requested a stop payment on the check ; however the check was received by the receiving bank and cleared my account. I confirmed with my receiving back and then called the card issuer and informed them that they may cancel my request for stop payment since the check was received and posted. However, the card issuer classified my stop payment request as " Provisional Credit '' and then my cancellation of stop payment request as " Provisional Credit Reversal '', both on XX/XX/2019. Then, they re-classified the original balance transfer check of {$23000.00} that went through as " Charge Adjustment '', which is now being subjected to the interest rate for revolving balance. While in fact it should have been subject to the promotional rate of 0 % that I was offered and took advantage of. My account has been in good standing and I never missed any payments. 

On XX/XX/XXXX, I noticed a finance charge was imposed on my account and after repeated calls to the customer service, I was able to get the charge waived off on XX/XX/XXXX. Many customer service agents have assured me that this is a mistake on part of the card issuer, and they will fix it. But still, I was again charged a finance charge on XX/XX/XXXX. I again called the customer service, and they assured me they will fix it. But until now nothing has happened. The card issuer is not following proper business practices - they are offering promotional offers and when we take advantage of these offers, they are trying other methods to impose finance charges. Please escalate this and correct this situation. Thank you.
Product: Credit reporting or other personal consumer reports

I just pulled me 3 bureau credit report for the first time in a long time and noticed there was a collection account reporting on my credit report that is not mine. The collection agencies name is XXXX. XXXX, XXXX. They are collecting on behalf of XXXX XXXX. I've reached out to their fraud department and the rep confirmed that my address is not matching up with the address where someone stole my information to obtain service at. I was told to obtain an ID Theft Police Report to have this negative permanently deleted from my XXXX bureau Credit report. 
Below is the collection agencies information that I would like to have permanently deleted from my XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX - Account Number : XXXX
Product: Credit card or prepaid card

XXXX XXXX  has a credit card through synchrony bank. They run promotions like receiving money back on purchases. Synchrony is attempting to ignore the promotion. I've been messaging them about this since XX/XX/2022 and they keep claiming that my inquiry has been escalated and that it will take X amount of business days to get a response. They never respond and keep stalling.
Product: Credit card

In XXXX XXXX I took out a {$2000.00} cash advance on my Citibank credit card. I made payments of {$1000.00} on XX/XX/2024, and {$1000.00} on XXXX XXXX XXXX to reduce the balance, but I noticed discrepancies in how Citibank applied these payments, particularly to the cash advance balance, which has a higher APR. 

I contacted Citibank by phone on XX/XX/2024, to resolve the issue, but their response was unsatisfactory. On XX/XX/2024, I sent a formal written dispute to Citibank, requesting a breakdown of how my payments were applied and how interest was calculated. Citibank 's response, dated XX/XX/2024, failed to provide the necessary details or clear calculations. 

Due to the lack of transparency in their response, I escalated the matter to the Office of the Comptroller of the Currency ( OCC ). The OCC reviewed my complaint and subsequently referred it to the Consumer Financial Protection Bureau ( CFPB ) for further handling. 

I am seeking a thorough review of how Citibank applied my payments and calculated interest, as I continue to observe significant discrepancies in the amounts stated on my account.