23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX told me I would get reception where I live and I didnt get reception and I told him I didnt want the contract anymore. It wasnt really a contract. It was a prepaid SIM card for my phone in anyway after I canceled it I called them several different times on it and they just kept right on billing and they keep charging me for the first month that I already paid you but its ridiculous how they keep charging people for something that you dont owe
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I made my mortgage payment 29 days late. Payment is due on the XXXX  of the month, I paid it on the XXXX  of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/XXXX  payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was Chemical Bank. Sometime after this incident, TCF Bank bought out Chemical Bank. Sometime after that, Huntington Bank bought TCF Bank. Huntington Bank is the current lender who refuses to change the incorrect status of this report.
Product: Checking or savings account

XX/XX/2022 a unauthorized ATM withdrawal for {$400.00}. was done at the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. I called my bank ( Chime ) and was told nothing could be done until the transaction was out of pending status. XX/XX/2022 the transaction was no longer in pending status so I call the bank again. This time I was transferred to the dispute department. I answered all the questions and was told it could take up to 7 days for the dispute department to process. Early on XX/XX/2022 I checked my account to find the transaction was no longer in dispute it was completed and denied. Again I contacted the bank and was told by customer service and also the supervisor of customer service that they could not tell me why this decision was made. I checked my e : mail and found a memo from Chime stating because the transaction was done at a XXXX and I usually use XXXX atm ( never ever in XXXX XXXX ) they denied my claim.
Product: Credit card or prepaid card

I inquired about the credit card company, Citi a division of CitiBank, not having a separate line item or option to pay off a XXXX XXXX Amount on their website. The only way a customer is allowed to pay off a XXXX XXXX is to pay the entire balance due on their credit card. The company is charging interest on the XXXX XXXX and interest on the Standard balance, which is unfair and deceptive to the customer. The customer should be allowed to pay off a plan to avoid any additional finance charges due to them but this is not an option. It appears the company is trying to " rack up '' any additional monies they can from the customer, which is an abusive practice.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
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 am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$4400.00}, XXXX XXXX. {$83000.00}, XXXX XXXX. {$240.00}, XXXX XXXX XXXX {$21000.00}.
Product: Mortgage

Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXr XXXX / XXXX XXXX Follow up the Shellpoint Mortgage Servicing LLC 's reply dated XX/XX/2022. 

Attached, please find the final paid-off wire statement from XXXX XXXXk {$120000.00} ( attached 1 ). 

Attached, please find the bank statement payment proof that the {$3000.00} fund was sent on XXXX XXXXXXXX XXXX ( attached 2 ) and posted to Shellpoint Mortgage Servicing LLC XXXX XXXX Account on XXXXXXXX XXXX XXXX. ( attached 3 ) - XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120000.00} ( attached-1 ) XXXX XXXX  XXXX {$3000.00} ( attached -2 & 3 ) Total deposited and wired {$130000.00} as at XX/XX/2022 ( exectly paidoff amount requested from ShellPoint dated on XX/XX/2022 ( attached -4 ) for the payoff date XX/XX/2022. 

According to Shellpoint Mortgage 's instruction/ payoff letter dated XX/XX/2022 ( attached -4 ), I have been settled and fully paid on XX/XX/2022 by XXXX payment before date of XX/XX/2022. Please apply these payments/funds to pay the loan in full.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXXXXXX  XXXX XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

Pursuant to Texas Rule of Civil Procedure 92, I am generally denying the following accounts, charges, and allegations contained in the credit reporting, and requests that the credit reporting agency require the alleged creditor to prove its claims by a preponderance of the credible and admissible evidence. 

XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Pursuant to Texas Rule of Civil Procedure 94, I am asserting the following affirmative defenses : a. failure of consideration ; b. affirmative defense of fraud ; c. estoppel ; d. laches/waiver ; e. statute of limitations ; f. failure to mitigate damages g. payment ; h. setoff or recoupment ; and i. all conditions precedent have not been performed and have not occurred I am specifically denying that the disposition of any collateral was conducted in a commercially reasonable manner according to the requirements of Article 9 of the Uniform Commercial Code and invokes all rights and remedies available under this statute.
Product: Debt collection

I paid my debt in full on XX/XX/2021 of {$22000.00} to midland credit managet. They have continued to garnish my wages 5 times since than and will not return my overpayment of {$650.00} to me. It has been 6 weeks and I have called 2-3 times a week. None of this was explained when I paid my debt. They just took my money and continued to do so after I thought it was over. Had they explained that paying my debt in full would not stop my garnishment I would not have done so. 
They lied when stating the garnishments would stop if paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 



15 USC 1681 Section 602 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.

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Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my Equifax but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Mortgage

On XXXX/XXXX/2014, we paid {$2100.00} on Ocwen 's website. This payment was deducted from our checking account on XXXX/XXXX/2014. We also signed up for automatic withdrawal to start on XXXX/XXXX/2014. 

On XXXX/XXXX/2014, an unauthorized withdrawal of {$2100.00} was made by Ocwen from our checking account. This caused our account to be overdrawn and charged a {$35.00} fee. After contacting Ocwen they reversed their mistake by redepositing {$2100.00} back into our account. 

On XXXX/XXXX/2014, Ocwen made another unauthorized withdrawal for {$2100.00}. After contacting Ocwen, we were sent a check for {$2100.00} which we received. 

Since then, despite giving Ocwen all the documentation from our bank they have asked for, Ocwen has been unable to locate or acknowledge they have {$2100.00} which was our original XXXX 2014 payment.
Product: Credit card or prepaid card

Hi Dear CFPB/ Comenitybank/Victoria 's Secret Card : I am writing this letter to dispute the accuracy of Commenity Victoria 's secret mastercard opened in my name on XX/XX/XXXX. 

Name : XXXX XXXX Account Info : XXXX ( I dont have the full account into, the number is from credit bureau and Comenitys letter ) Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX Phone : XXXX ( cell ) On XX/XX/XXXX, I noticed that my XXXX bank account had unauthorized checks withdrawn.. From XXXX, the total unauthorized amount is ~ {$9000.00}. 

The XXXX bank has investigated this issue and found that someone in New York used my fraudulent driver license ID in one of the bank branches to ask for paper checks and took cash. 

The XXXX bank has completed the investigation and returned all money back to my account. 

I also checked my XXXX credit profile and found out someone used my name to open a Comentiy Bank/Victoria 's Secret card on XX/XX/XXXX and they spent a total of {$630.00}. 

I called Comentiy Bank/Victoria 's Secret card Fraud Department twice on XX/XX/XXXX and they told me a fraud investigation case was opened. I have received no information from Comenity Bank afterwards. 

However I learned from XXXX recently that Comentiy Bank has reported my case as charge off and late payments, not as fraudulent activity. 
Comenity Bank also sold my debt to XXXX XXXX XXXX XXXX as a debt collector. 

Comentity Bank is negligent to handle my fraud case which I called them twice on XX/XX/XXXX. They have never sent me any information after my report. Their negligence has severely ruined my credit score. 

I would greatly appreciate it if you can investigate my case and if you have any questions, please contact me at XXXX. 

Best Regards, XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card

I was looking at my credit report recently and noticed Gap reporting a late payment to my credit report. This information has been damaging to my file. According to 15 USC 1666b late payments are not to be reported. I'm hoping my attached letter to Barclays/Gap initiates an immediate response and resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify you that I am a victim of identity theft and I send a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items is DELETED from other bureaus, and I have doubts about the Bureaus ' accuracy, and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) the following unknown items must be blocked : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXXX Balance {$540.00XXXX XXXX XXXX XXXXXXXXXXXXXX Balance - 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 XXXXX Balance-
Product: Student loan

Called a student loan forgiveness loan department and they wanted me to pay a fee of {$500.00} after i gave them sensitive information. XXXX
Product: Credit reporting

I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, Experian and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A zero balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by reporting a zero balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Hi, Someone opened a Kohls/Capital One in my name twice and I did not find out about it until my credit score recently went down significantly by about XXXX points. 

They closed the card, but they are not paying their bills. This resulted in my credit score decreasing. 

The first card was opened on XX/XX/XXXX. This account was closed by them with a balance of {$0.00}. 

The second card was open on XX/XX/XXXX. It was closed by them on in XXXX, XXXX with a reported balance of {$2500.00}. 

I called Kohls, but they could not find these accounts in their systems since I was not able to give them the credit card account number because I have no access to those Kohls/Capital One cards. 

I attached my credit report in this email. In the email, I highlighted the sections about the Kohls/Capital One report. 

I have never been late on a payment. 

Please help me remove this from my credit report, so my credit score can get back to normal.
Product: Debt collection

Stated to them I wish to put this acct on hold and I just never restored it after 90 days but they charged me anyway due to my contract but I returned all the equipment
Product: Debt collection

XXXX is reporting a balance of {$260.00} on all 3 bureaus. I sent several letters to get more information on the debt and to get proper validation to no avail. I called the bureaus directly and XXXX to get proper documentation of proof of debt. Neither bureau or XXXX were able to provide me with proof or the debt validation. They just said it was a medical bill from 2019 from XXXX XXXX and that's the only information they can provide as they don't have anything else. 
I have tried to get a proper verification and haven't been able to. I have worked really hard to keep my credit clean and this is hanging in there. I have no problem paying for something is mine. I have no recollection of such debt/account and they can't give me anything either. XXXX advise me to file a complaint with you. In addition, the bureaus continue to change the day of last activity on a debt from 2019. They change the date of last activity to the current month resetting the clock every time.
Product: Checking or savings account

My aunt, XXXX XXXX XXXX invested in an Investment Certificate ( see attachments ) at Nations XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The investment amount was {$15000.00} earning 3.9900 % interest. The certificate had an automatic renewal quarterly. POD designation on the certificate is me, XXXX XXXX. My aunt passed away on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the Bank of America Estate Services and spoke with XXXX regarding the Investment Certificate since Nations Bank combined with Bank of America in XXXX. XXXX reached out to the XXXX XXXX for assistance. He was informed that no recorded of the certificate existed and recommended that I contact the XXXX XXXX XXXX XXXX for Nations Bank as everything that existed prior to XXXX was either closed or dormant. 

I contacted the XXXX XXXX XXXX XXXX at XXXX for Nations BankXXXXBank of America on XX/XX/XXXX. At which time, I was informed that the historical group only deals in computer shares, not investments. The person I spoke with recommended that I contact the Virginia Department of Treasury. 

The Viriginia Department of Treasury informed me on XX/XX/XXXX, that no unclaimed property records existed for my aunt. Also, that financial institutes are obligated to send funds to the treasury department when mergers/buy outs occur and recommended that I contact the State Corporation Commission .

I contacted the State Corporation Commission on XX/XX/XXXX, and referred to the Financial Regulation/Banking Section XXXX XXXX is the gentleman that I spoke with informed me that the State Corporation Commission does not assist with this type of matter. He recommended that I file an online complaint with the Securities and Exchange Commission. On XXXX XXXX, I filed an online complaint with the Securities and Exchange Commission. As of this writing, I have yet to receive a response to my complaint. 

On XX/XX/XXXX, the FDIC informed me that they were unable to assist since Nations Bank had merged with another financial institution. FDIC recommended that I contact the Consumer Financial Protection Bureau. The person I spoke with XX/XX/XXXX, at CFPB explained the process to file an online complaint. 

At this point, I do not know of any other avenues to pursue in an effort to resolve this matter. Should you have questions or need additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you in advance for any assistance you can provide. 

A scanned version of the front and back of the Investment Certificate is attached.
Product: Debt collection

I called them I think XX/XX/XXXX or XX/XX/XXXXsomewhere on them dates they said I had to call XXXX  and get the dates of the inquiries they said they couldn't do nothing about it they attempting to collect the wrong amount of money
Product: Credit reporting or other personal consumer reports

LOOKED AT MY CREDIT REPORT AND NOTICED SOME FRAUD INQURIES THAT I DID NOT AUTHORIZE,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Experian failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX