23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive provided documentation to them that the amount they are trying to collect is wrong. Theyve agreed to the amount based on the paperwork I provided them but now say they can see in their records that that amount was mentioned but they are saying theres no way anyone actually made that offer to me. Theyve now added an additional {$4000.00} to the debt and today stated that I needed to get this taken care of before XXXX or I wont be able to find a place to live with this on my credit. Theyve said the apartment building is conforming the wrong amount but, they are also saying Im not allowed to reach out to the apartment directly to clear things up
Product: Credit card or prepaid card

I am being held responsible for a damaged item that was returned from XXXX for {$100.00}. I was promised a refund and never received it and XXXX mastercard is basically telling me to deal with them for my refund and merchant is telling me to deal with credit card .. I dont feel protected at all by the credit card company as a consumer..
Product: Debt collection

I sent out a certified debt validation letter to Profit Services Group collection agency at address listed on my credit report. 30 days after sending out the letters it was returned to me as unclaimed and the post office did not have a forwarding address.
Product: Debt collection

Between XX/XX/2020 and XX/XX/2020, someone lived at XXXX XXXX XXXX, XXXX, TX. Their account with XXXX XXXX in XXXX had an unpaid balance of {$320.00} and was charged to an account with the name XXXX XXXX. My name is XXXX XXXX. This person used my SS # and my date of birth on this account. XXXX XXXX  turned the delinquent account over to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PA XXXX XXXX They in turned the delinquent account over to Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX. We have sent Identity Theft Affidavit to Resurgent. We have sent letters to Resurgent and to XXXX XXXX explaining that this was not our debt. We do not know the name of the person creating the debt. XXXX XXXXXXXX could not give us their name or phone number. We do not know if this was identity theft, fraud, or a mistake on the part of XXXX XXXX. In any case, due diligence would have made it clear that the person opening the account with XXXX XXXX was not me.
Product: Credit reporting

1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXX phone : XXXX
Product: Credit card or prepaid card

Zales lowered my credit limit due to inactivity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a request to the creditor & credit reporting agency 's alleging false information and reporting to Experian, XXXX, & XXXX indicating I have a outstanding collection and past due amount of {$3200.00}. This is inaccurate reporting on my credit report, and i don't know how a collection agency is reporting a 'past due ' balance on an alleged collection? This is a violation if the 15 u.s.c 1681g law. I have experienced several damages to my good name due to this inaccurate reporting.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I am sending this complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of XXXX days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

XXXX Associates called me and stated that I owed a bank I no longer have an account with ; they stated that I would be served a summons. I contacted the creditor and they have no record of an outstanding balance owed to them. I informed this business when they called that according to federal law that they are supposed to mail me a letter withing 5 days and included in that letter they are to state that I have 30 days to dispute which is in accordance of the FDCPA. 

I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.
Product: Debt collection

This company sent me a statement saying that I owed a debt to them and I have not heard of this company until receiving this notice. They have received a cease and desist and are damaging my reputation by putting this negative information on my consumer report after receiving such notice. This company has also defaulted in responding to my debt validation requests and affidavit of truth. I have also sent them highlighted violations they have committed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00}
Product: Bank account or service

I have had issues with my Keybank account for 6 months. I have been with Key Bank since XX/XX/XXXX. Only in the last 6 months have I had issues with my account having fee 's. I can write a check and make a cash deposit to cover that check. Only to find that a week later a auto pay that should have been declined was paid and my checks were not. Seeing that I had paid these long before the auto pay came out it should have been paid. No, I was charged XXXX return fees. ( then more fees 2 weeks later as the checks where re-ran without notice ) I have gone into the bank to clear up a few issues as my savings account had hidden fees and was not told about it. I went to a branch and asked to clear it up and was told my account was closed with no notice and there was nothing that they banker could do. I called the phone banking system and told this to a phone banker and was told that they process the highest payment first and do not process transaction in the order that they have received Them. Because of this policy I have been charged over {$800.00} in fees XX/XX/XXXX. It is XX/XX/XXXX I have not touched my account for a month and it has grown to - {$420.00} dollars. I have been reported to XXXX with no notice and this has seriously affected my income and my finance 's period. I have gone into branches and called in several times and get told there is nothing they can do for me. I want my fee 's paid back and my name cleared out of XXXX I should be reported for a bank account with hidden fees that the bank will not make right.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I took a {$700.00} loan out with XXXX XXXX XXXX dba XXXX XXXX XXXX. 

After making several payments at extremely high interest rates ( 713.74 % ) I investigated the company. I discovered they are not registered to operate in the state of CT and what they were doing was illegal. I know that CT has the strongest laws in regards to payday loans. 

I contacted the company and told them I was revoking my ACH and I would not pay any more. They received {$1000.00} towards a {$700.00} loan. 

They did agree to close my account and mark it as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681.

U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights DEPT OF ED/XXXX  Account number XXXX 15 U.S.C. 1681 Section 604 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I asked Experian to remove an address listed on my credit report that does not belong to me and they haven't removed it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.mo XXXX
Product: Mortgage

I was called by my mortgage company telling me I was late making a payment and asked if I would like to do so over the phone. I could not understand why they would be calling since I have automatic withdrawal from my account bimonthly. I was unable to discuss the situation then being that I was in a grocery store. When I called back I found out that XXXX of my bimonthly payments was being applied entirely to the principal and that I was getting late fees because naturally the required monthly mortgage payment was not being received. My mortgage was with Greentree when I initiated the bimonthly payment. I was told that Ditech acquired the mortgage and that everything would remain the same with Ditech as it did with Greentree. That is not the case. When I initiated the bimonthly payment with Greentree, it was not the amount that Ditech started to withdraw from my bank account. When I called and asked about this I was told that loots of things happen when mortgages are purchased. I now am watching to see if the late fees ( more that one month ) and the payment is being applied to the mortgage and not the principal. I also learned that although I have the first of the bimonthly payments taken out of my bank account, it is NOT applied to my mortgage. As stated on my statement, the money is listed as " funds in suspense ''. I thought the payment was being applied to the mortgage not being held until the balance for the month is received and applied. So the first half of the payment is taken from my account and held " in suspense '' in an account at Ditech where I am certain it is earning them interest yet it is not applied to my mortgage whereby lowering the interest accruing on the mortgage. Can they really do that? Also, they now say I can have the PMI removed, however they are requiring me to have an appraisal with XXXX of their vendors to qualify to remove the PMI. I though PMI was to insure that they would receive payment not to insure the value of the home. Why am I being made to prove the value of the home to get rid of an insurance payment?
Product: Debt collection

have requested the Purchase agreement & Debt Validation info - - Experian has deleted XXXX XXXX XXXX from my credit report, and I do not understand why XXXX - - would move the account from a collection account to a regular account. I have never had an account or agreement with XXXX XXXX XXXX.
Product: Bank account or service

I purchased a home through online auction XXXX AND the seller, U.S. BANK NATIONAL ASSOCIATION, recommended their preferred partner for closing, XXXX/ XXXX with the incentive that I would save on fees. The entire deal was conducted by email and pdf documents.I wired the money and even had a lawyer representing me. I closed on XXXX XXXX, 2015. To date I have not received a deed or title, and I have contacted the city and county agencies, and this property has not been transferred in my name. The water dept has shut off the water to my house because there is a {$11000.00} bill owed by U.S. BANK NATIONAL ASSOCIATION. This and other items were covered in the closing document but they never funded the transactions with their local vendors. They swindled me in the amount of {$34000.00}. We wired this money to a XXXX account indicated in the instructions. All three of these entities are working in conjunction to fraudulently advertise, sale, and close properties they do not intend to release to purchasers like me. Even my lawyer has contacted the parties and no results have occurred in the last 15 days that we have complained that the water is off. I am living in a house with no water, no title, no deed. Nothing to indicate I purchased or own this house except emails between XXXX and XXXX XXXX, 2015.
Product: Credit card

Kohls account # XXXX & they overcharged me XXXX, I only should pay the {$350.00} and {$75.00} and interest only $ XXXX {$430.00}. I paid {$120.00} + credit $ XXXX $ XXXX {$240.00} balance and they show {$390.00}
Product: Mortgage

I applied for a loan modification and was denied. However, Suntrust offered me the option for a conditional short sale. I have met all of the conditions requested, and have repeatedly sent in items that they have re-requested. During this time, they have refused to make a decision and have repeatedly tried to get a decision from the bank based on the completion of the short sale package. My realtor has exhausted all their efforts to get us to closing on time. However, Suntrust has yet to make a decision or even get to the decision making process.
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.
Product: Credit card or prepaid card

Under the truth in lending act it is required by federal law pursuant to 15 USC 1602 ( v ) to provide me with Material Disclosures ( v ) - The term material disclosures means the disclosure, as REQUIRED by this subchapter ( which is TILA ) the method of determining the finance charge, the balance upon which a finance charge will be imposed and the amount of the finance charge. Per federal law as you can see from the definition I have provided, states it is required you disclose this information with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulents accounts in my credit profile that i been disputing and i had sent the three credit agencies experian, XXXX and XXXX  a FTC report like Early XXXX as my ftc report showed, and some disputing letter on XXXX XXXX been victim of identity theft and i have 4 negative items on my report on experian, XXXX and XXXX that XXXX do not know where they Come from.i need them to be delete.their investigation took more than 30 days and they violate my right by keeping those in my report. 
I hope you can be the voice of People like me Who get abuse by some agencies out here. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.