23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint is against XXXX XXXX XXXX Account # XXXX. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA, FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. XXXX XXXX XXXX Account # XXXX I have never done business with XXXXXXXX XXXX XXXX Account # XXXX delete this from my consumer reports. I am also questioning the account balance lIsted own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of XXXX XXXX XXXX Account # XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. past due ''? have never opened an account with XXXXXXXX XXXX XXXX Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX XXXX XXXX  Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been getting phone calls off and on from Portfoliorecov ( Portfolio Recovery ) from my cell phone and they haven't left me any voice mail messages and been reporting them as spam because they would call and hung up. But lately, they have been trying to call them at my full-time job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). And for the record, I have not give them my work phone number at all because they have been calling me on the clock!!
Product: Checking or savings account

I have a checking account with USAA Savings Bank. There were a number of fraudulent charges on my checking account. All of which were done at various gas stations. once I discovered the charges I disputed them and receive a credit on my account for the charges, the amounts were {$91.00}, {$87.00}, {$74.00}, {$72.00}, {$69.00}, {$62.00}, {$60.00}, {$57.00}, {$32.00} and a {$29.00} NSF fee. All of those charges were made at gas stations. The credit for those charges was received on XX/XX/XXXX. The take back occurred on XX/XX/XXXX in the amount of {$360.00}. I received no explanation of why this occurred nor did I receive any information on where the amount came from. and as of today XX/XX/XXXX I still have no explanation of this debit take back. I explained to the representative that my vehicle only holds 12 gallons of gas and I do not use premium fuel, there is no way that my car will hold that much fuel. My issue with the bank is that no one can explain to my why this money was taken and they just keep telling me to allow two days. I have called them 5 times at this point and there is no resolution yet. They also have not given any valid reason for them to be taking money from my account either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$35000.00} XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Please comply with the Fair Credit Reporting Act and have the disputed accounts corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I obtained a free credit report on my social security number and I discovered on it a fraudulent individual revolving flexible spending card account opened with Barclays bank Delaware on XX/XX/XXXX.High limit on the account is {$4000.00}, balance amount {$16.00}, balance date XX/XX/XXXX, monthly payment of {$8.00}. The account status : Late 30days,  amount due : {$3.00}. There is a comment that stated : '' OPEN ACCOUNT.ACCOUNT 30DAYS PAST DUE. DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=R2 LAST PAID:XX/XX/XXXX. I did not open this account and never received a bank statement on this account or from this bank. I am requesting that this account be closed for starter, then investigated and removed from my credit report because I am not responsible for opening or managing this account. Here is my dilemma, I called the bank to complain about this credit reporting as fraudulent but they can not recognize me as a customer and will not listen to me since I do not exist in their database and I don't have an account number they recognize. so how can I ever get this bank to investigate this issue originating from me. I will like the to close this account before further damage is done to my credit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute was unfair and deceptive, as they did not with error resolution requirements under the Electronic 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: Mortgage

we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i signed a 60-month contract agreement with XXXX XXXX XXXX i begin having financial issues unable to make payment on time. recieving late payment statements stating of my failure to make payment on time. XXXX is reporting the contract is 72 months and my first and last payment was XXXX. ive submitted supporting documents from XXXX  however XXXX and experian seem to state XXXX  is verfying the debt, i recently made complaint with cfpd regarding XXXX adverse action regarding not reporting correct information and XXXX, and they deleted the account from my report.i submit compliance with business consumer alliance against XXXX  and they fail to reply.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX Via XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Collection Services never informed me properly of a debt and had my address information incorrect. They then reported the collection to the credit agencys in which I called the original company XXXX and ensured the debt was taken care of. Yet I never reviewed or received a written notice in regards to this debt. They have now marked it as paid but have refused to delete the account even though both companies have confirmed they had the incorrect information on me. Theyre negatively impacting my credit and going against my rights of being properly notified. I have disputed this debt with all three credit bureaus after the collection agency refused to delete the debt. If this debt is not resolved and deleted off my credit I will be getting my attorney involved and will sue for false credit reporting for not being properly informed.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with the cfpb against wells fargo for report a fraudulent account report on my credit profile. wells fargo responded to the complaint stating that I am signed for the car. The account shows that WHOM ever signed my name as an authorized user. I never signed for this account and I seek litigation if this is not deleted from all credit bureaus.
Product: Student loan

I have four loans with Navient. I called Navient on XX/XX/22 to pay off one of the loans of {$1800.00} and specifically stated which loan. The representative on the line said the loan was paid off and that I would get a letter about it. 

I checked today and the payment was distributed across all four loans. Meaning I still have a balance and on the loan I thought was paid off and Navient is still collecting interest on a loan that should be paid. 

The representative said they would put in a request reallocate the money to the appropriate loan but since there is a balance, I am responsible for the accruing interest even though the mistake on was their end. 

This is a really bad practice to continue accruing interest and keeping people locked into high interest loans.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts that need to be removed. They are affecting my ability to obtain credit. 

Incorrect Accounts ; XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original creditor XXXX XXXX XXXX. {$4700.00} XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Original creditor XXXX XXXX XXXX XXXX. {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had bought the car back in early XXXX and immediately was burdened with the loan interest rate at 17 %. I rescinded the loan in XX/XX/year> via certified mail with no response from carvana other than I am still responsible for the debt. Due to Carvana 's failure to properly notify of rescind rights, and failure to collect their abandoned property, it still remains in my posession. In XX/XX/year> Carvana and XXXX committed fraud by accepting an insurance settlement for $ XXXX instead of sending me the check, and still trying to collect on the loan that has been rescinded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureau last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX : {$31000.00}.
Product: Credit card

I receive my new capital one credit card. Call to activate the card Capital One representative said that security number did not match up. I feel this is a system error po I feel this is a system error in Capital One part. At this credit card for years now with certain there 's a problem with the Social Security number I was forced to close my account with Capital One customer service reps and very rude and disrespectful. But I just recently purchased a car bissell capital one bill my credit report. it for them to say that my so security number his name is ludicrousThank you Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY XXXX CARDS. THEY REPORTED ME LATE IN XXXX AND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY XXXX XXXX DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.
Product: Credit card or prepaid card

I deposited {$60.00} to my NetSpend account from another bank which is also mine. Netspend randomly and FOR NO REASON removed my access to this account and I can not login. XXXXThey asked me to send my license to them to prove my identity. I sent my drivers license and now they want my social security card and I am not sending it. I want access to MY ACCOUNT AND MY MONEY IN IT - ASAP '
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT ED/XXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT ED/XXXX  XXXX Balance Owed : {$7000.00}.
Product: Debt collection

I was gone for the weekend and they left paperwork on my porch that was not in a private envelope so that everybody in the whole world could see my private information. 
XXXX XXXX XXXX, XXXX No case number XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone number XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX Pay-pal XXXX
Product: Mortgage

On or around XX/XX/XXXX I spoke to XXXX in the Mortgage Customer Services ( she refused to give her last name and i.d . ) and learned that the payments were not processed from my joint checking account, upon checking the account I learned due to processing fee for NSF the account was short. I gave my second bank account number along with the routing number after making the missed payment to XXXX. After, giving her my XXXX XXXX 's account number I changed my payment of HELOC to take out auto pay from XXXX XXXX Bank 's account. I explained this situation to the representative and told her that I changed my payment information on XX/XX/XXXX to move forward with processing from XXXX XXXX account and the representative said they don't have any information then I told her that check the recorded records of the conversation she then transferred me to another department and when I asked their names they refused to give me. I then informed the supervisor that I gave them my XXXX XXXX Banks information he said the recording does not have that information and I am wondering when the user calls the Bank it says your voice and conversation is being recorded and how come they don't have that information. 

In the month of XX/XX/XXXX I came across a missed payment letter along with penalties interest and fines and this resulted in the credit rating and again on XX/XX/XXXX I processed my HELOC payment with fines. 

The Bank of the West ignored and overlooked with their negligence the payment information and kept charging me multiple fines on my personal joint checking account and again on my HELOC account.
Product: Mortgage

The company I am having an issue with is Ocwen Loan Mortgage Company. They reported a XX/XX/XXXX payment late and I've never allowed any payment to pass its 30 day reporting time.

Also, all of the accounts are current and in good standing and they are not reporting it to the Credit Bureaus. This is preventing me from refinancing and attaining a better mortgage rate. This is not the first time I've had this problem with Ocwen.

I seriously believe they are trying to sabotage my opportunities for refinancing. Because I have expressed how disgruntled I've been with their customer service and business behaviors. Can someone please help me? THank you
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX  XXXX XXXX from CARVANA. I have had the car now for four months and was told today that my rear brake pads completely need to be replaced. I purchased CARVANAs premier CarvanaXXXX and they say that those things are covered. However, this is a safety hazard and given that Ive driven less than XXXX miles and the vehicle has less than XXXX miles, the brakes should not already be going out. I have reached out to XXXX with no assistance and I have reached out to Carvana who continues to send me back to XXXX instead of finding me a solution. This is not the first problem that I have had with CARVANA as they delayed getting me my title information by a week ( took over 3 months ) and wouldnt assist me with an additional moving permit or registration causing me to have to leave my car sitting before I could finally get another DMV appointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1601 XXXX XXXX XXXX XXXX XXXX disputes sent to equifax, XXXX and XXXX which are all three financial institutions which sells financial products and reports credit. This is a violation of my identity rights and consumer rights of credit privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX & JPMCB - CARD SERVICE XXXX
Product: Debt collection

Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. XXXX XXXX XXXX  has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXXPhoenix Financial Services has failed to respond. These charges are fraudulent, I am a victim of identity theft.
Product: Vehicle loan or lease

THE LONG AND SHORT OF THIS IS THAT XXXX XXXX XXXX IS DINGING ME FOR UNDER PAYING XXXX DOLLAR, IF YOULL LOOK AT ALL MY LEASE WITH FORD, IVE EITHER OVER PAY THE LEASE PAYMENT OR PAID EARLY, IT SO HAPPEN THAT I WAS A LITTLE SHORT ON FUNDS ONE MONTH SO I ALWAYS GO INTO MY BILL PAY ONLINE BANKING AND PAID WHAT THE BILL SAID, UNFORTUNATELY ONE MONTH I PAID I THINK IS WAS LIKE XXXX SO THE NEXT MONTH I WHEN ONLINE BANKING WENT DOWN MY LIST AND PAID AS I DID THE MONTH BEFORE, AND FORD MADE IT A POINT NOT TO CONTACT TILL THE 31 DAY TO SAY XXXX XXXX YOUR SHORT XXXX DOLLAR, WHEN I ASK WHY THEY DIDNT CALL ME THEY SAID WE DONT BOTHER OUR GREAT CUSTOMER, AND I SAID SO YOU WAITED TILL THE 31 FIRST DAY TO SAY AM XXXX DOLLAR SHORT SO YOU CAN DING MY CREDIT IF YOULL LOOK AT MY HISTORY YOULL SEE WHAT AM SAYING IS TRUE AND SHOULD BE CORRECTED THANK YOU FOR YOUR TIME
Product: Debt collection

Absolute Recovery Service has reported to credit bureaus about a collection of {$1700.00} reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. This company has not made contact with me. Ive never heard anything of this debt until it was placed on my credit report.
Product: Debt collection

I did not receive any notifications from this company or the right to dispute this false claim. I DO NOT OWE XXXX ANYTHING. Please help