23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX XXXX  Original creditor : {$170.00} Balance updated XX/XX/2022 Original balance - Account number XXXX Open/closed Closed XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX BY Account number XXXX XXXX XXXX XXXX creditor : XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Debt collection

I have a collections on my credit report from Frontline XXXX for an unpaid balance of {$210.00}. The balance belongs to XXXX XXXX. My name is XXXX XXXX. On the invoice that was sent to me on my last cfpb complaint the invoice from XXXX stated that the billing address for XXXX XXXX is XXXX XXXX XXXX XXXX NY XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. This debt does not belong to me please remove this collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the Equifax data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.
Product: Credit card

( XXXX ) Applied for eligible card with Capital-One XXXX ( XXXX ) Card arrived via mail - opened an online account with all my data and bank link for payments ( XXXX ) Tried to activate on the Capital One website account and told my account was " restricted '' and to call customer service. ( XXXX XXXX Capital One Customer service - called both the number printed on the card AND the number on the website I was informed to contact. ( XXXX ) CS stated that I needed to verify a code by phone text - claiming they sent but never arrived- so I asked them to send it by email and they refused, outright refused. ( XXXX ) All my valid contact information is listed on my credit report and 3 Credit Agencies- The Capital-One CS requested a copy of my ID to verify identity { which is understandable } which I had ready to send them but they REFUSED to provide customer a link to do so! + there is NO LINK on the Capital One website to send the requested data! ( XXXX ) Next day, I received an email from Capital One for a SURVEY about my CS experience [ yet they still failed to send me a link to upload my ID ] ( XXXX ) Went back online to close my account because of the ludicrous hassle it was to activate a card, and when you click the link to do so, it says YOU CAN NOT CLOSE THE ACCOUNT without calling a Customer service number? ( XXXX ) I tried to call the XXXX CS number provided and my phone company has apparently blocked it as a reported scam line? XXXX Capital One is the ONLY credit card company I've had that has ever demanded copies of my photo ID 's - more worrisome, their Fraud Dept personnel claimed could not even view my online account I had on their own website to verify the info I gave them - They create waste sending you a card and then refuse to let you use it - and fail to give you any way of forwarding their requested info/ID just to activate it. This CC company makes no sense. They pull a credit report impacting your credit score and then provide NO SERVICE- they have NO links on their website to send in data nor any real CS on chat, regardless, CS will refuse to forward any links to do so. It's baffling - Capital-One has some serious internal functionality problems. A complete waste of time - requesting to CLOSE MY ACCOUNT and be sent a verification letter - my card was never used, nor even activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, experian, XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.
Product: Mortgage

U.S. Bancorp Investments, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX Complaint Description : Re : Loan No. XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX. Re : XXXX XXXX. XXXX XXXX XXXX XXXX US Bank Corporate Trust Services XXXX XXXX XXXX XXXX XXXX MN XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX XXXX XXXX. In reviewing my credit report it appears there are some discrepancies or errors in the payment history which needs to be corrected under the Fair Credit Reporting Act. Specifically the errors in the reporting are for the months of XXXX, XXXX, and XXXX 2015. All three months were paid on time and need to reported as such. I have copies of the bank statements which can be provided if necessary. I am also notifying the actual lender ( U.S. Bank N.A. ) of the potential violations of law when errors are not corrected. I also request confirmation that in fact your office did receive mortgage loan payments for XXXX, XXXX, and XXXX and that they all were processed. I will need a formal letter on Company letterhead dated and signed by an authorized representative. If you fail to provide the confirmation that the payments for XXXX, XXXX, and XXXX were received tendered and processed timely I will proceed to procure a subpoena as I am entitled to this by law. Very Truly Yours, XXXX XXXX XXXX XXXX.
Product: Debt collection

I am an XXXX. I tried to rent a place 2 years ago, close to the University XXXX. At that time I had never been in campus, so I asked the receptionst for advise about how close was the apartment complex to the XXXX of the University XXXX. They said that they were XXXX min. walking to the XXXX. 
They immediately they asked for my information, my social security number, etc ... and sent me the contract to fill it outt. I never signed the contract in their offices. 

I never did it, because when I arrived to XXXX XXXX Michigan and discovered they did lie to me, I asked to cancel the contract and they did it by word. The manager told me that they were so sorry and that they understood that they were not that close to the university. 

Everything went well, they have my email address. 
They never contacted me again. On XXXX XXXX, I received a letter from ProCollect with a debt of XXXX dls. 

I do not recognize this debt because I never lived in XXXX XXXX, and I never signed a contract in person in their office. 

Now this is affecting my credit score. I have't had any problems with my credit scores before, I always pay my debts when I know I owe money but they never tried to contact me during this 2 years and now they are just affecting me. 

The manager at that time told me that I was fine. I do not have any other documents from them telling me that I owe money. 

So I do not recognize this debt, since the manager canceled it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My financial information was hacked due to Equifax 's negligence.
Product: Bank account or service

While paying for a purchase from a convenience store using my chip-imbedded debit card, the card was stolen from the chip reader and the thief quickly exited the building. The timing was well planned since I heard no alarm to indicate the processing was complete. I did not notice it was missing, thinking perhaps I automatically replaced it in my wallet. The next morning I had an alert that I was overdrawn and immediately notified the bank to put a hold on the account. The bank initially replaced the funds to me, but subsequently re-claimed the amounts ( + OD fees ), saying, in effect, that their system was infallible.
Product: Debt collection

I contacted XXXX XXXX XXXX due to a credit alert in my transunion credit report. They claim to have sent me information to dispute the account. I did not receive anything and could not contact the person handling my file until I had cleared things out with transunion. Now they are impacting my experian credit report.
Product: Credit reporting or other personal consumer reports

This company has my name listed with the surname, XXXX. I was born female and remain female and has never used a surname. I asked them to remove the listing several times and they would not. 

I also have 2 addresses that should be removed. There should only be one address in my file, which is XXXX XXXX XXXX XXXX, TN XXXX.
Product: Debt collection

I previously received a wage garnishment letter from my employer for XXXX XXXX XXXX for an auto repossession. This occurred for 6 months then I received a release of garnishment summons XXXX XXXX. When I was paid on XXXX/XXXX/XXXX and a garnishment amount was on my check, I received contact information from my HR department I knew my debt was paid based on what was owed. On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained my check was garnished previously and was not notified and it started again. I was told they won a judgement against me and that my spouse was notified of it in XXXX. She gave me the name of my son And asked me if he told me. I told her that was not my spouse and i was not served. Then she advised me the judgement was XXXX which after 6 months garnishment has XXXX balance and interest which by law they can charge. I stated they never notified me, they garnished my check. I need the amount owed to avoid interest. She stated I could pay {$1200.00} to be put on a plan with them to come from under the settlement. I am learning this was a legal action that had a court date that I did not attend in XXXX. Then the amount she gave was XXXX with a balance of XXXX plus XXXX to pay them to set up a payment plan. Not only was I not notified or properly served on the initial Legal Action in XXXX XXXX, but this garnishment is from XXXX XXXX, and I was not notified again.I provided them my address and then was told I Will be notified they garnished my check XXXX/XXXX/XXXX and the balance is XXXX for " now ''. 
I was not aware how garnishment occur. I did not know it was a court hearing. 
I was never properly notified or served concerning a legal action. They disclosed my information concerning my debt without my consent. 
My FDCPA rights was clearly violated my this company.
Product: Student loan

Not only did AES attempt to collect while there was a federal forbearance in place, they only offered forbearance as a last resort. However, after i took the forbearance, the forbearance counted against my personal forbearance allotment NOT the federal forbearance the gov't put in place. After that they started reporting my loan 90 days delinquent in XXXX which is less than 30 days after the federal forbearance was extended to XXXX!.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my report that shouldn't be there for business credit that my partner was applying for.
Product: Credit reporting or other personal consumer reports

After multiple attempts, Experian has not fulfilled its legal duty under the Fair Credit Repair Act to conduct a thorough reinvestigation of the disputed information on my credit report, leaving inaccuracies and unverified accounts unresolved. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian, citing systemic problems such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not adequately notifying consumers about the outcomes of disputes. These issues mirror my experience, as Experian has not corrected or removed the disputed items despite the evidence I submitted, resulting in ongoing harm to my credit standing. I am requesting immediate action to rectify the situation by removing or amending the disputed accounts, as Experian 's inaction contravenes federal law and infringes on my rights as a consumer. 


These attempts include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

I recently pulled my experian credit report, and noticed an account that doesn't belong to me. Account name is ( XXXX XXXX XXXX Original company : XXXX XXXX : {$480.00} Account # XXXX Date opened : XX/XX/2019 )
Product: Checking or savings account

I opened checking account at Chase Bank as of month XX/XX/2020. I deposited first with Cashier Check amount {$10000.00}. Saved from 20 years employment. After three months using bank services, made transactions. And then opened business account. Unexepectedly the bank Chase suspended my checking and business accounts without warning or notifying. Called many times to several departments. Finally contacted to Department Fraud. They threated me to report to police and FBI for no reasons. Asked for more personal info of my contacts that made large transactions. Again and again explained to them. Asked me where i did get {>= $1,000,000}. I explained that saved from 25 years employment. They refused to accept. Afterwards I asked for releasing Cashier check. They promised to send to California State then forwarded to my address. I waited long time, seems Chase Bank never did. Finally Chase Bank decided to close my two accounts without to release or sending Cashier Check. They confiscated large amounts : {$12000.00} from checking, and {$3800.00} from business. I'm desperate to do have to receive. Unsuccesfully. I decided to file complain to CFPB. Hopefully help me to get funds back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) XXXX XXXX XXXXd XXXX XXXX XXXX Experian Last Updated XXXX, XXXX XXXX, XXXX  Payment Status Not more than XXXX payments past due Account delinquent XXXX  days past due date Worst Delinquency XXXX  days past due XXXX  days delinquent Balance {$19000.00} {$19000.00} Credit Limit XXXX XXXXXXXX XXXX
Product: Checking or savings account

First of all I did everything that was asking me from Bank of America I provided everything they asked me for second of all I provide a job proof that this bank is farther than any my account then forged my signature or my paperwork day why did I claim numbers on the top of my paperwork I provide a job with all this information and nothing it's been done about this Bank so if y'all can't let me talk to Mrs or I'm going to the Congress XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX # XXXX - Balance {$530.00} XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$600.00} XXXX XXXX XXXX # XXXX - Balance {$530.00} -Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$5900.00} XXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX # XXXX -Balance $ XXXX Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Made a payment to Citi and the payment was short by {$1.00}. It was a mistake on my part when I submitted the payment using my XXXX XXXX online bill pay system. Our APR has now been increased to 29.99 % because of the {$1.00} mistake on our payment in XXXX. When I discovered the shortage I called Citi and paid the shortage by phone and the representative assured me that our interest rate would not increase. Called Citi when I noticed the increase in APR to request they lower the APR. They refused. Asked to speak to a supervisor and was put on hold for over XXXX minutes until I finally had to hang up because I was calling from work and could not remain on hold any longer.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX XXXX XXXX refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the complaint. 

THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified '' NOT " VALIDATED '' REMOVE THESE ACCOUNTS NOW! 

XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!
Product: Mortgage

My mother passed away on XXXX XXXX. We weren't aware that my mother was in trouble with the mortgage company until we received a notice that the property was going to be auctioned on XX/XX/23. My mother was very ill and was not communicating with us the hardship she was facing with the mortgage due to her illness. We collectively as a family decided we wanted to sell the land through a short sale that mortgage was being held against. We since listed the property have been going through the short sale process. An appraisal was completed and when the appraisal was reviewed by the negotiator they found that they appraised the wrong block and lot. On XX/XX/23 an email was sent to them letting them know that they did an appraisal on the wrong lot. We provided them proof of this ( RECORED MORTGAGE, DEED, XXXX XXXX XXXX XXXX  ) and requested that the auction be postponed to allow time for them to make the necessary corrections due to their own error giving a reverse mortgage on a vacant lot and for them complete an appraisal on the correct block and lot. As of today, they have not postponed the auction and they have yet to let us know the status of them postponing the auction and continuing with the short sale as long as a new appraisal is completed on the correct lot. We are trying to resolve this issue as we don't want the last thing our mother had to be lost to foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

It's been many years, so forgive me if I'm rusty on some of the details. 
Once I began paying down my XXXX and XXXX school loans, the company in charge of them was Nelnet. 
I struggled to find a well-paying job, and every year, when the loan amount that I needed to pay would jump to $ XXXX, I had to call in to ask for a lower payment amount. 
Every time, they would simply ask me how much I could pay, and regardless of how low a figure I mentioned ( {$200.00}, {$300.00} ), they would simply say " OK sure, we'll put you down for $ XXXX. Or, I would apply for the income based repayment plan, again with no issues. 
I was thrilled with the lower payments. Naturally, I figured I was hardly paying down any principal, but my only experience with debts to that point had been with credit cards, where as long as you paid a minimum amount, the principal would be going down ( albeit not by much ). 
Unfortunately, what no one EVER mentioned or explained was that something called negative amortization existed. 
Instead of lowering my principal by pennies, I was in fact ADDING the unpaid interest to my principal balance! 
Student loans are so depressing that I stupidly didn't pay attention to the principal balance for years, just making sure I made my minimum payments on time. 
Until one day I noticed the balance and figured out what happened. From there, I scrambled with my finances trying to get it to manageable levels. It took a VERY long time just trying to pay down all the excess interest I had piled up! 
This predatory behavior is directly aimed at fresh XXXX and needs to be amended immediately.