23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife and I pulled all 3 of our credit reports to find out what was showing on them, as we hadn't done it in a long time. We were shocked to see accounts that we do not recognize, including companies we've never done business with. One of these was : Merchants Acceptance Cor The address listed on the credit report is : XXXX XXXX XXXX XXXX, WA XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint, for both my wife and myself. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipts '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 54 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, we also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Merchants Acceptance Cor have NOT removed this account from my credit reports, or have sent me any kind of validation. 

We request for this company to remove this account from our credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit card or prepaid card

i have a account with avant in which for some reason they are saying XXXX and with XXXX different opening dates with different addresses. To where recently i have realizedthat i am a victim of identitytheft/fraud/impersonation as well as a victim to sim swapping/hijacking on all my accounts online and offline to where my mail has/is being effected too. i have made police reports etc in order to rectify this. i have repeatedly the past XXXX  months called avant asking for my statements and all correspondencs to be sent to me by mail XXXX XXXX in so i can go over them in which they have refused and have stated that they can only send the last few which is bull. i have called and reported fraudulent/suspicious activity as well numerous times and sent in a dispute letter stating that i need to make sure my address and name are correct as well as issuing a new card and to investigateit. i also noticed that different payment amounts have been taken out on different dates that were not authorized nor agreed upon as well as i have never paying from a online account either Some of the auto matic payments that have always been set up since the first payment on theis card is not being shown on the correct dates made and charging more i yrest than agreed upon and a yearly account fee. to where im not sure what is going on but i know that i have made payments on time every month except last month through autopay through wells fargo. i have even sent in a dispute letter to make sure my name is correct and to report the discrepancies that ive seen again as well as to correct any information if it is wrong to and to cancel the cards and send new ones with correct information with also sending all statements and correspondences that way i can go through them completely and accurately to be able to dispute which transactions i did not make. they are still charging me late fees and intrest as well as not doing what i have asked for XXXX months. to where this isnt reasonable i will absolutely pay for what i have spent but i need all statements and correspondencesand to know how many accounts or cards or users there are on my account in order to see what is mine and what isnt because i should only have XXXX. then will make payments as to what i did spend. plus i have a credit freeze and they sent me another card.
Product: Credit card

This is regarding the XXXX Mastercard issued by Comenity Capital Bank, which is part of Bread Financial. The dates I called were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was opened new XXXX Mastercard and when I did not receive the card in the 7-10 business day, time frame quoted I called to report card not received. Representative indicated that they will resend out the card and allow 7-10 business days to get card in email. Once again card was not received and called issuer and once again, they said they saw card was mailed out and that they will re-issue new cards. Once again after quoted time frame the re-issued cards did not arrive. Called issuer and asked for management and when speaking with management asked for card to be expedited, with tracking number and signature and photo ID required. They indicated this would occur ; however, still would still take 7-10 business days to process. When card was not received again in quoted time frame, issuer was called again and agent said they saw card shipped standard US mail. Request to have tracking number and signature and photo ID required was not honored. Once again agent said they will re-issue cards and allow 7-10 business days. Once again did not receive within time frame and when calling issuer they can see card sent and all they will do is offer resend. This has been going on for 2 months without ever receiving the cards.
Product: Mortgage

OCWEN Loan Servicing has erred significantly on our mortgage payments and escrow funds without explanation or reversal. After several years of making timely payments, including paying down principal each month, the trouble began in XXXX XXXX. We were sent a notice stating that our monthly payment would increase due to changes to our escrow account, so we sent a check in the amount of {$1200.00} to cover the additional escrow and eliminate the increase in our monthly payments. The check was negotiated by OCWEN and applied to our account ; however, we later received a partial refund of the escrow. A few months later, we received notice that the refund was sent in error. We received several statements in XXXX and XXXX, none of which appear to be correct, and all had differing amounts due. We have called OCWEN several times and were told in XXXX that the matter would be corrected in their system by XXXX. The issue is still outstanding and we are left with a {$800.00} deficiency in escrow funds with no explanation. OCWEN has the money, yet it 's not in our escrow account, and they 've sent another statement advising that our payment will increase again in XXXX XXXX. The increase in tax over this time period is negligible, and {$800.00} is missing from our escrow account. There was no disbursement of escrow funds to either tax or insurance to account for this missing money. It is incredibly frustrating trying to get resolution from OCWEN, so we contacted XXXX, the investor in our loan. We will work with XXXX and CFPB to come to a satisfactory resolution with our escrow funds fully reinstated in our favor. We also would like to see an accurate mortgage statement from OCWEN, along with a full amortization schedule for the remaining life of our loan. Finally, we would like a comprehensive and logical explanation about how OCWEN could possibly allow this to happen to seasoned and responsible mortgagees, including what defects are causing this from their automated systems. 
Our XXXX XXXX, XXXX statement shows the {$1200.00} payment overpays the escrow shortage. 
Our XXXX XXXX, XXXX statement reflects an escrow balance of {$800.00} with no disbursements for tax or insurance having been paid, as these were not due until XXXX XXXX. 
Despite having paid the escrow shortage, our statements reflect changes in our payment amounts due from {$3400.00} effective XXXX XXXX, increasing on XXXX XXXX to {$3400.00}, increasing again on XXXX XXXX to {$3400.00}, and an increase effective XXXX XXXX to {$3400.00}. This reflects a total of a {$60.00} per month payment increase, when, in fact, the escrow deficiency was fully satisfied in XXXX XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because I cant even take out no credit card due to having bad credit because of them. Capital one is one of them I have never gotten no credit card with them and they claim I owe them when I dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : 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
Product: Debt collection

XXXX XXXX XXXX XXXX Florida charged my account for fees that I did not agree to. When I noticed the charges in XX/XX/year> I asked them to stop charging and to please provide a copy of the contract with the agreed upon price. I asked continuously. At first they said I would be receiving an email from the supervisor. I reached back out and told them I never received the email and they stopped responding. They did not provide services and continued to charge my account.
Product: Checking or savings account

Placed an order. The store cancelled it on XXXX XXXX because items were no longer in stock. Money was never refund in my account. Called store XXXX XXXX was told refund had processed to bank account. Made claim with simple bank on XXXX XXXX. Provided documentation return receipts to bank on XX/XX/XXXX. Its not fair I should wait 90 days when I provide proof and Im the consumer. The company didnt have to wait 90 days to draft anything from my account. I recently lost my mother and job in this pandemic. And am now XXXX XXXX XXXX and could use my money to get things that my family needs. This situation with this bank account has been the last straw and I now have to go to counseling to deal with XXXX  XXXX and XXXX  due to XXXX XXXX, which I have documentation from my doctors. This not the first instance where this bank havent processed my refund and expect me to wait 3 months time to get my money back. And thats not fair. Worst bank ever everything they do is slow and based on their time and is not in the best interest of the consumers.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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
Product: Credit reporting or other personal consumer reports

My loan is listed twice on my credit report so it looks like my debt is double what it should be. One Loan is shown as DEPT OF EDXXXX and the other is MOHELA/DEPT OF ED. XXXX is the current processor of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has been difficult to work with ... my score has not been updated and the iquiries count count is ironioys and wrong and has not been up dated according to the dispute time frame
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Same for XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Chase Bank has unpaid checking account debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I never had a checking account with chase bank never opened or gave anyone permission to open an account. I have spoken with chase bank numerous times and early warning systems. They refuse to close the account or remove from their systems yet they told early warning systems the information was inaccurate and told them to remove it from their systems after my complaint and dispute letter to early warning about the account in question was made. It is not on my credit consumer report anymore yet it is still in chase system and I can not get a bank account with chase because of this. have sent a letter to early warning and chase themselves asking for this negative mark to be removed that I dont owe. Early warning has contacted me stating chase confirmed with them it was inaccurate yet chase is still saying owe/own the debt of XXXX $ and refuse to remove it from their systems. I DID NOT OPEN THIS ACCOUNT THIS IS FRAUD AND HINDERING ME!
Product: Mortgage

Good afternoon. My mortgage was sold from XXXX to Loancare. I received an email from Loancare advising everything will stay relevant same reference my auto draft biweekly payments. Ive been doing this for the past 7 and a half years without any incident. I get paid every other Friday and when I get paid half the mortgage gets taken out of my bank account automatically. Well Loancare took it upon themselves to take the first biweekly  payment on XX/XX/2020, which is a Wednesday. Than the next biweekly payment on XX/XX/2020 which is not the week I get paid. And again on XX/XX/2020 which is not the week I get paid. This caused my bank to charge me overdraft fees because they drafted On the wrong dates. In the middle of this I spoke to several employees in their customer service department. They ensured me it was corrected and it would start drafting on XX/XX/2020. Of course it was not. Than I called again and they said it was fixed and would start drafting on XX/XX/2020. Today XX/XX/XXXX I received a phone call stating they can not fix the problem and the dates to be drafted will continue to be the opposite weeks I get paid. I have all bank statements for several years proving my point. This has put great stress on my family and myself not knowing if or when they will draft a payment. I feel like they are gambling with my money and refuse to help me. I am not asking to stop payments. Im asking to put me on the correct auto draft schedule.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the inaccurate reporting of a debt on my credit report by L J ROSS ASSOCIATES. I originally incurred a debt with XXXX XXXX, which I fully paid on XX/XX/year>. However, despite my payment, L J ROSS ASSOCIATES reported this account as a collection item on my credit report, negatively impacting my credit score.

Upon discovering this, I contacted L J ROSS ASSOCIATES to request the removal of the negative item, as I had already satisfied my obligation to the original creditor. Instead of removing the account, they marked it as paid, which does not rectify the damage caused to my credit profile. Since I never owed the collection agency directly, this reporting is misleading and unfairly affects my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I formally request that this collection account be deleted entirely from my credit report, as it is an erroneous and unfair entry. 

I have attached the following supporting documents for your review : Proof of payment to the original creditor A copy of my credit report showing the reported collection Any correspondence with [ Collection Agency Name ] regarding this matter I kindly request the CFPB to investigate this matter and ensure that [ Collection Agency Name ] adheres to the proper credit reporting standards. Their failure to remove the collection entry despite my full payment is causing undue harm to my financial standing. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Student loan

Dealing with Sallie Mae First Sallie Mae combined my FICO score of over XXXX with my son 's FICO score of XXXX. 
I am paying usury rates of 8.25 % Auto debit has been set up since inception of this account On XXXX made what I thought was a principle only payment of {$2500.00}. 
On XXXX made what I thought was a principle only payment of {$260.00}. 
On XXXX spoke with Sallie Mae customer service. 
Was informed that all payments made would have interest deducted before principle. 
Was informed that it was impossible, due to how Sallie Mae writes their loans, to make a principle only payment