23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is reporting erroneous information on my credit report without validating or verifying information. This account does not belong to me and it is hurting my credit. I want them to remove the information from my report or I will sue and take them directly to court which I am entitled up to XXXX USD for this inaccurate reporting and misleading information and all the harm it is causing me. Account Number XXXX XXXX XXXX ( Debt Collector Name ) XXXX XXXX XXXX XXXX Amount {$980.00} Date Reported XX/XX/2018 Account does not belong to me this is a mixup. So they need to remove it from my credit report or I will promise to sue the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan has been on my credit report ove r 7 to  10 years and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

XXXX XXXX is reporting on my credit report that they own a debt from Synchrony Bank Lowes in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations.

15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place XXXX XXXX in further violations. I reserve all my rights.
Product: Mortgage

I have concerns about my mortgage payments and why so little, over the course of nearly 15 years, has been applied to the principal. My mortgage has changed mortgage companies several times and is currently held by Select Portfolio Servicing. Im curious to see if records have been kept accurately and my payments applied to my advantage. 

I purchased my home around XX/XX/XXXX for {$140000.00}. In XX/XX/XXXX, records show I refinanced for {$180000.00} -- I do not remember doing this. Now, 14 years later I owe {$150000.00}. I'm curious to know why the total remains so high. Although I got behind when I was unemployed and underemployed for about 8 years, every payment was made, even if they were made late. For 18 months it was paid through Illinois Hardest Hit. 
Roughly calculating, over the course of these last 14 - 15 years ( with my house note fluctuating from a low of approximately {$1200.00} and to a high of nearly {$2200.00} ), my debt has been reduced by about XXXX.  Estimating monthly payments at a low level : {$1200.00} x 12 months per year = {$14000.00} {$14000.00} per year x 14 years = {$200000.00} All things considered, interest rates, insurance and taxes I've paid {$200000.00} to reduce my house mortgage by {$30000.00}. 

{$200000.00} ( total $ paid ) - {$30000.00} ( applied to principal ) = {$170000.00} ( remainder ) Over 14 years where has this {$170000.00} been applied? Interest, insurance, fees. 

Again, roughly speaking since I am not working with actual numbers, about : 15 % has been applied to the principle ( some months as little as {$20.00} ) 85 % to other. 

Now, I'm curious to see how my payments have been applied and if the processes used have been fair and legal. Id also like to get solid answers and gain an understanding of why I continue to owe so much. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called and cancelled my card on XX/XX/2019, I was informed of what the pay off balance would be and I paid it during that time. I was unhappy with the service XXXX provided with how they handled, or not handled my fraudulent charges that occurred due to a data breach. I decided to cancel & pay off the balance to end my services with them. I called again on XX/XX/XXXX to follow up and make sure that they had updated their records since the withdraw of {$1000.00} was withdrawn from my bank account on XX/XX/2019. I was assured that they received the amount and that there was a credit of {$.00} on my account that covered a total of {$1000.00} balance. I saw that this popped up on my credit report with notes saying bad debt and that it was closed by the card company which is not true at all. I have provided my bank statement and a letter from them after their investigation to show that they were paid in full and closed on my behalf. It is absurd that I have to keep updating something that was taken care of almost a year ago. I had recently started getting harassing calls again about this paid balance. 

I have a letter from XXXX saying that the account is closed with a XXXX balance and that I paid the amount owed, my bank statement shows this as well. I submitted multiple times to XXXX and they keep saying the same thing. It has yet to be removed from my equifax report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ describe the inaccurate account and collection ]. These items are inaccurate and do not reflect my actual credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. 

According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. 

Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. 

If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

Unlawful foreclosure. I have submitted a full and complete loan modification application to XXXX XXXX XXXX regarding my mortgage loan currently in active foreclosure. Pursuant to California s Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to our loan modification application. Active foreclosure sale date scheduled for XX/XX/ 2019, must be canceled immediately. 

We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00}
Product: Debt collection

In late XX/XX/XXXX, I received a phone call followed by a collections notice from XXXX, XXXX XXXX XXXX claiming that I owe XXXX XXXX {$730.00} which is completely false. I asked them to send me the original invoice from XXXX as proof, showing the debt since I don't owe anyone anything that is past due. Instead, they sent me their own invoice asking me to pay them, a total stranger, the {$730.00}. Since XXXX, I have a XXXX XXXX life insurance policy which I pay annually via auto bank draft and that policy is currently paid thru XX/XX/XXXX. I'm a XXXX XXXX XXXX and licensed Insurance agent of 26 years so paying bills on time is mandatory for my career standing. My credit history goes back 38 years and is rated EXCELLENT since I have NEVER had one single late payment and my credit score has consistently been well over 800. I also filed a dispute with XXXX since that is the credit bureau where this false and erroneous debt collection appears, however, you can't speak with anyone in the USA. XXXX only has offshore customer service personnel in foreign countries who are very unresponsive and non-caring as to resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries are fraudulent and unauthorized
Product: Credit reporting or other personal consumer reports

I have disputed information that is incorrect on transunion several times at least 3 months in a row the last time being XX/XX/year> I contacted them again today XXXX and spoke to a live chat rep to tell them that they continue to put wrong information on my report and not fix it there are 3 items on there that are not correct and i do have receipts for those items one is XXXX XXXX they have continued to show this account as a balanc of XXXX dollars even when it was down to XXXX it is now paid off and i have the receipt, XXXX XXXX they are still showing the balance owed as XXXX dollars this accont was paid off the end of XXXX, XXXX XXXX the balance is showing as XXXX but it is XXXX cause i have made payments on it and have receipts its like they are not updating these reports at all and it is hurting my credit score unneccesarily when i am working so hard to pay my bills off because i am trying to get a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and Equifax data breaches. I filed a claim with Equifax and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$120.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union has made unauthorized transactions from m y Checking and Savings  account since  XXXX   XXXX  of last year. The funds were sent to a closed credit card account ( it has been closed since  XXXX   XXXX   ) a nd the following unauthorized transactions were posted to my account :  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$170.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$100.00}  XXXX   XXXX   XXXX  - {$54.00}  XXXX   XXXX   XXXX  - {$510.00} ( sent to consolidation loan ) Both mentioned accounts are being negotiated by  XXXX   XXXX   XXXX   XXXX  on my behalf. Power of Attorneys were sent to NFCU regarding the accounts, and they are fully aware. I have spoken with NFCU on several different occasions and unauthorized transactions have continued. Each representative I have spoken with all gave me the run around and proceeded to tell me they have the " authorization '' to pull available funds from my accounts if accounts become delinquent. How I have been  with Navy Federal for 8+ year s and I have never encountered this issue nor have I read or signed any loan agreement consisting of this unlawful practice. I have gone into a branch located here in  XXXX   XXXX  and a representative told me there was nothing she could do. I have exhausted all measures and this issue remains unresolved. The money stolen from my account has caused me to fall behind on other due bills.  <P/> Due to these reasons, I strongly advise any business or consumer to not conduct any business of any kind with Navy Federal Credit Union.
Product: Checking or savings account

Date : XX/XX/year> XXXX PM MST : An unauthorized transaction occurred, with {$1000.00} withdrawn from our checking account. 

XXXX PM MST : Fraudulent charges were made at XXXX, involving multiple purchases of items under {$1.00} each, with {$100.00} cash back received at the register. 

XXXX PM MST : Additional fraudulent transactions were recorded at XXXX XXXX, similar to the XXXX activitypurchases under {$1.00} each and {$100.00} cash back received. 

Total Amount of Fraudulent Transactions : {$3700.00} We reported these unauthorized charges to Chase immediately upon discovering them in the evening of XX/XX/year>, and filed claims for the fraudulent transactions. Despite following up over the course of five business days, Chase has denied our claims. The denial was based on the assertion that the transactions were authorized due to possession of our PIN. Chase representatives also claimed that a physical card was used during these transactions, despite both debit cards being in our possession. We were informed that Chase requires us to prove that the transactions were not made by us. Additionally, a Chase representative stated that it is not possible to create a physical card using a skimmer device or obtain our PIN through such means. 

We have filed a police report with our local police department and a report with the Federal Trade Commission. Chase has refused to review the security footage from the ATM where the initial fraudulent activity took place, stating that access to the footage would require a subpoena.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I called the Capital One Bank to report a scam that was made by someone impersonating an XXXX employee. I called them to stop the transaction from occurring and to help me get my money back or provide me with the information of the person who stole my money from my bank account but they refused to do any of those actions. I got scammed an amount of {$2400.00} from my bank account. I called several times and made many attempts to get my money back but they refused to help me.
Product: Money transfer, virtual currency, or money service

I received a permanent closure of my PayPal account. This action was taken following a legitimate Bitcoin purchase and investment that I made using my PayPal account on Sat, XX/XX/year>. To begin with, the closure of my account came as a complete surprise. I have always used PayPal in good faith and in accordance with the platforms terms. I have conducted all of my transactions, including the recent Bitcoin purchase, in a transparent and lawful manner. I did not receive any prior warning, notice, or indication that there was any issue with my account or that I was violating any policies. I believe I should have been informed beforehand if there was a concern, and I should have been given an opportunity to rectify any misunderstanding before this drastic action was taken. 
What is most concerning and upsetting is that my account balance, which includes funds that are rightfully mine, has been held by PayPal. This has caused me significant financial distress, as I am unable to access my own money. I fully understand that PayPal may have policies in place regarding certain transactions or activities, but I have not engaged in anything that should justify a permanent account closure, let alone the withholding of my funds. The decision to freeze my account and withhold my money feels arbitrary and unjust, especially since I was not provided any clear explanation as to why this action was taken. 
I rely on PayPal for personal and business transactions, and this situation has severely disrupted my financial plans and caused considerable inconvenience. The lack of communication and transparency from PayPal is deeply disappointing, and I feel that I have been treated unfairly. My trust in PayPal has been severely damaged, and I am left without access to my own money, which is not only frustrating but also feels like a violation of my rights as a consumer. 
I respectfully request that PayPal immediately review my case and provide me with a clear and detailed explanation of why my account was closed. I also request that the funds held in my account be released promptly, as I have not violated any terms and have a legitimate right to access my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I sent in my FTC Report, along with my License to Transunion, XXXX, and XXXX. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.
Product: Debt collection

I closed my Chase credit card XXXX XXXX XXXX XXXX about 2 months ago on a {$0.00} balance. Today suddenly I received a bill for {$270.00} with series of transactions that I did not authorize/ had no knowledge of.
Product: Debt collection

The company consumed my relatives account that I am a listed on, but the account is not my money and is not my account. They have froze an account that does not belong to me. I offered to pay the amount and they will not rectify the problem for the other person. They have explained I need to put the money in that persons account to settle the matter so that persons money can be freed up. 

I am prepared to sue for bank fees, bringing other people involved into my personal debt. For taking funds without suing me or contacting me. 

I repeatedly offered to take care of the debt on my side, but they will not fix the account that is not mine. 

The debt collector has seized money without direct communication. They made no attempt to contact me or to correctly identify MY bank account. They have held the money up and will not agree to give it back.
Product: Mortgage

I have been attempting to apply for a modification for the past 2yrs with this company and to no avail. I have been sending documentation over and over again and get the same response " we did not receive it ''. I have confirmation that the documents were sent and still is asked to resend my financials along with other docs again. I can afford to keep my home and can not understand why this is so hard to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.