23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

capital one I need you to please remove these account off my credit report as I keep letting you guys know this account was open without my concern you guys keep saying yes it was me just because my address and social and number its connected to the account as I mention before we all know for you to open an account you need those information that does not mean I was the one who open it also you guys mention about my id was send to y'all did I send it to y'all no it was not me at all as I also mention my information was stolen before as well of my phone anyone could of did this to me I'm asking one more time remove this account off my credit report I also requested prove by mail all papers proving it was me I want to see letters sign with my signature as well and yet I haven't got them neither so please once again do the search right and if you have papers with my signature on it I want to see them asap because these its XXXX me off right now
Product: Checking or savings account

I had XXXX XXXX XXXX {$4000.00} XXXX of fraudulent transactions occur on my EDD account. Called bank of america reported it. They returned my money post their completed investigation citing the credit was now permanent. A month later they debited my account the same amount and closed my claim. For over two months I have been fighting with them tooth and nail to get my money back and rightfully so. They re opened the claim. A month passes ... nothing. Then today I call and am told the claim has been closed and that I am somehow liable for the fraudulent transactions coming out of XXXX. Please help me.. They're robbing me of over {$4000.00} and now I'm being taxed on that money that I never received.
Product: Credit reporting or other personal consumer reports

I have reports I have never applied for such as Capital One, XXXX or XXXX Ive ask for disputes and for it to be removed, nothing has been done.Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

INNOVIS HAS RECIEVED MANY MAIL CERTIFIED DISPUTE LETTERS FROM ME. 
THEY HAVE ACCOUNT # XXXX LISTED AS A XXXX BANKRUPTCY DISMISSED, I CLOSED ACCOUNT # XXXX. I NEVERED FILED BANKRUPTCY, THEY HAVE A MIX FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I submitted a request to a company called Early Warning when I was denied opening a checking account based on their report. They never sent me the consumer report at that time. I also uploaded a copy of my identity theft report from the FTC and accompanying police report to them. They still failed to communicate with me at all at that time. 

I was again denied when applying to open a checking account last month. The reason given to me was that I was denied based on information from Early Warning. I again submitted a request to them for my consumer report. I finally received it this week, and I was flabbergasted. The only thing reported on it was a checking account that was opened fraudulently by my ex wife. I know this due to the address on the account. I never lived at that address, but she did after we divorced. Even though there was a fraudulent account listed, it didnt contain anything I would call negative information. That account appears to have never been used and was closed for inactivity with a XXXX balance. 

So why is this agency reporting this account that appears to have been open for three years and closed with a XXXX balance as negative information? I dont see that as a reason to deny me from having a checking account. 

I am including a copy of the report they sent to me, my identity theft report and police report with this complaint.
Product: Mortgage

Selene Finance is claiming theyre owed a debt And theyre trying to collect without going through the proper administrative process to validate their claims. I sent them validation correspondence via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and havent received any proof from them I owe them a debt. I also sent their attorney ( XXXX XXXX XXXX XXXX ) a validation request via certified mail number XXXX XXXX XXXX XXXX XXXX and havent received anything from them either to validate their clients claims that I owe a debt. They issued a new account and stated the loan is 120 days past due and opened a new trade line on my credit file on XX/XX/XXXX illegally. They are also sending monthly statements trying to collect with erroneous billing information ( outstanding principal balance, deferred balance and interest rate )
Product: Checking or savings account

I received a letter dated XX/XX/2021, stating that my TD Business bank account would be closed on XX/XX/2021 if I did not respond by that date. On XX/XX/2021, I attempted to log on to my account, but it appeared that my account had been closed without my permission. I contacted my local bank branch ( TD Bank located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX ), and the customer service number that came up on on the bank account ( XXXX ) and the number that appeared on the letter ( XXXX ). No one could help me access my money, so I have no idea where my money is, or how I will be able to access it. I have bills to pay for my XXXX  XXXX, and can not access my bank account to pay them. It is completely unacceptable for a bank, in which I trusted my money, to withhold money that is rightfully mine. I complied with the letter that was sent and replied before the date they indicated in their letter. TD Bank should not be able to deprive its customers of their money.
Product: Debt collection

I received a notice of debt collection, but do not recognize the account.
Product: Debt collection

I filed Chapter XXXX Bankruptcy on XX/XX/19. A meeting of the creditors was set and I attended that meeting on XX/XX/19 to which no creditors attended. My Chapter XXXX was successfully discharge on XX/XX/19. I checked with the clerks office to make sure the creditor was listed on the required documentation on XX/XX/19 and they were. So, I called this company twice since that date to get them to remove the said account from my credit report with XXXX and XXXX to which they agreed to do. Since then they have removed the balanced owed on XXXX  but the collection account remains. On XXXX it still shows as being owed and the collection account is still on my report. I have submitted documentation to the credit reporting companies and have gotten little help with the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened disputes with all  XXXX  credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. Equifax and   XXXX   have not removed this account from my report,   XXXX   has. I also do not have any contract with the collection agency that is listed on this report.
Product: Debt collection

On XX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX as a moving company. After moving, the movers quoted me {$460.00} the moving services including a {$20.00} tip. I provided them a credit card which they authorized and then they proceeded to write a receipt showing {$0.00} balance due. Fast forward XX/XX/XXXX, I checked my credit report and found that Recovery One LLC has placed that debt on my credit report. I immediately contacted Recovery One LLC by phone and was told to submit the receipt via email. I called back and confirmed that the email with the receipt was received, but will not be honored. When inquired why, the collector became argumentative and verbally abusive and finally threatening that the debt will stay on credit report no matter what.
Product: Vehicle loan or lease

I consumer, XXXX XXXX, entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2022. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. The finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance seperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank is showing a company account that is in default as my obligation. 

I have asked for a copy of the signed credit agreement that makes me libel and they have not provided this agreement evidencing my signature guaranteeing the debt of a company I worked for. 

This is the obligation of Florida XXXX XXXX XXXX XXXX. 

They had a checking account opened for this company when this card went into default and I told them this as well as the name and phone number of the account and company owner. they never contacted the company or the owner and insist it is my obligation. 

All they provide is a copy of a typed form without my signature as proof I guaranteed this. I have filed disputes with credit agencies and they respond that the obligation is mine- yet they have no signature guaranteeing this debt from me. This fraud on the part of Chase to credit agency inquiry. 

They had sent this to a collection agency who dropped the matter when Chase could not produce a signature of guarantee. This is a mistake on the part of the bank and they are not responding with the truth.
Product: Credit reporting or other personal consumer reports

This account was open for XXXX XXXX. The balance was paid and the account closed. The current balance is from Comenity bank adding late fees and finance charges. I have called XXXX times and the reps say Sorry, we can not remove fees on a closed account. Clearly, they have no problem adding false charges to a closed account. This XXXX Charge Off balance is XXXX percent late fees and interest on a CLOSED ACCOUNT. I will never shop at XXXX again because of the unethical bank they use to manage their credit card. You can see from my past history I have paid all balances in full every month on every credit card I have. Some monthly balances are as high as XXXX per account but they are paid in full monthly. I have had an XXXX credit score for years.
Product: Credit reporting or other personal consumer reports

I just got an alert from XXXX XXXX about a new credit inquiry on my equifax report, which is always frozen. This fraudulent entity which I do not know, and already XXXX it to send a complaint from their website. The fact was immediately notified to equifax, and will pursue a court case for identity theft, if they do not remove the inquiry.
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 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 on every account I've ever had with Navy Federal credit Union.
Product: Debt collection

XXXX XXXX sent me to a third party collections agency when I already paid the debt in full. Not only that, but they failed to send me any letters regarding this OR to call me, even though both my cell and work numbers remained the same. To make matters worse, the original bill was nearly {$7000.00} and I busted my rear to pay all but {$280.00} of that, leaving this small amount to be paid on XXXX/XXXX/16, and they sent me to a third party collections agency for that AFTER I PAID THE BILL! I have requested someone in their billing department supervisory team to call me regarding this error, but I do not anticipate that they will do so, nor do I anticipate that they will learn a lesson until a formal complaint is lodged against them. This is at least the second time I have had a problem with XXXX XXXX 's billing department, and I can not imagine how many others have had similar problems but do not know where to turn to lodge a formal complaint that may change things for the better for all patients.
Product: Debt collection

I am writing to dispute a debt that I believe is invalid. I had job loss insurance on the credit card account associated with this debt. I lost my job prior to the XXXX pandemic and immediately notified all my credit card companies, including the original creditor for this debt, of my job loss and the existence of this coverage. 

I was assured by the original creditor that the appropriate steps would be taken to resolve the debt under the terms of my job loss insurance. I provided documentation proving my unemployment at their request. Despite this, the debt remains outstanding. 

I have made repeated attempts to resolve this issue with both the original creditor and your company, the current debt holder. Unfortunately, these attempts have been unsuccessful. Specifically, I requested a copy of my original contract, which would clearly demonstrate the job loss insurance coverage I had paid for over several years. Both the original creditor and your company have refused to provide this documentation. 

I believe this debt should be closed due to the job loss insurance coverage in place at the time of my unemployment. I am requesting that you investigate this matter thoroughly, provide me with the requested contract, and cease collection activities immediately. I am prepared to provide further documentation if necessary.
Product: Credit card

A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting the XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Mortgage

New American Funding has not processed my lien release paperwork. I paid off my home on XXXX/XXXX/16 and was told it would be XXXX60 days for the paperwork to get through XXXX XXXX. I recently was told they actually had n't filed that paperwork until XXXX/XXXX/16. And was told today ( XXXX/XXXX/16 ) that it was still being processed in their system. I want the lien released and am tired of being lied to.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : 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. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : American University of XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX University School of Medicine The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 
We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

My auto loan was financed though GATEWAY FINANCIAL out of XXXX, MI. My monthly payment was approximately $ XXXX/month. Around the summer of 2018 I unfortunately fell about a month behind on my car payment due to my employer eliminating my job. In the process of looking and interviewing for new jobs, I was making phone calls and leaving messages regarding my situation with XXXX at Gateway. No one from Gateway would return my calls. I then started emailing Gateway ( and XXXX ). And yet again, nobody from GATEWAY were willing to return my call or emails. This went on for about a month and a half. In XX/XX/2018 I sold my house. At that time I left messages and emails with XXXX explaining to him that I was going to be paying the car off once I closed on my residence but GATEWAY still repossessed my vehicle. In the mean time I left several phone messages with gateway explaining to them, that due to the fact that nobody wanted to return my calls or emails I was voluntarily allowing the vehicle to be repossessed. Later I received a letter stating they were going to take my vehicle to the auction for sale. This letter was received around 6 days before the vehicle was scheduled to be taken to auction. As I understand it, under state law I am allowed more time than 6 days to pay the vehicle off or rectify th problem. This did not happen ... .the vehicle went to auction and was sold for less then what was owed. This is when GATEWAY FINANCIAL started harassing me for the remaining amount of money owed on the vehicle. The amount they were asking for was more then the original amount owed. I made every effort to try and reconcile the situation but again, nobody would return my emails or phone messages. Now GATEWAY FINANCIAL is threatening to take my state of michigan income tax return for the outstanding amount owed?. I have disputed this with the 3 major credit reporting bureaus as well. And now when the covid -19 situation, things have not gotten any better. Please help. Thank You.