23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A third party bought a bill and the amount of the bill is not correct, Bill was paid off by insurance company and it was never supposed to be on my credit.I never gave them a signature, so I didn't agree to their contract.
Product: Credit card or prepaid card

When I tried to make a purchase on Tuesday, XX/XX/XXXX. Chase bank would not allow me to make the purchase of {$50.00} they then locked my account saying it was fraudulent which it wasn't. I then contacted the bank on multiple occasions since then they have said that I had to submit my ID and Social Security card which I did. But no progress has been made.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX I am also attaching the reposne from XXXX XXXX where they found no accounts that were mentioned on the ftc repoprt AND ALSO THE FOLLOWING INQUIRIRES 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

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Iam writing to file a formal complaint against freedom mortgage corporation regarding their ( agents ) XXXX XXXX XXXX at XXXX, XXXX, and XXXX XXXX XXXX regarding their involvement in a recent modification process on or about XXXX XXXX it has come to my attention that the lawyer may have engaged in serious misconduct by utilzing fraudulent documents during the proceedings, I believe XXXX XXXX XXXX are in violation of the .applicable rules of professional conduct specifically 1. Rule 8.4 ( c ) this rule states this is professional misconduct 2. Rule 3.3 ( a ) ( 1 ) this rule imposes a duty of candor on lawyers 3. Rule 4.1 this rule prohibits lawyers from making false statements of material facts or omitting material facts.i request that the CFPB conducts a thorough investigation into this matter to determine the extent of the lawyers misconduct and take appropriate action. Iam prepared to provide any necessary evidence, documentation, or witness testimony to support the investigation process. thank you for your attention to this matter, I trust in the cfpb dedication to enforcing the rules and taking appropriate action to address misconduct within the legal community. sincerely XXXX XXXX
Product: Debt collection

I have this company reporting a debt which I do not owe, this is inaccurate and false information, I have disputed with nothing being received to validate this account.
Product: Checking or savings account

Today, XX/XX/year>, I was supposed to receive my direct deposit payroll that my employer sent to capital one to fund my account. Capital One did not fund my account and I have not been paid today. 

These banks have insurance to protect their customers and this is unacceptable!!! Did the CEO get paid??? 

Taxpayers bail out banks and they continue to damage peoples lives with their incompetence and inability to operate responsibly. 

My husband also had capital one account and we both did not get paid today!!! We have no money this is a shame on American business and banks in the US.
Product: Credit reporting or other personal consumer reports

You are in violation for reporting incorrect information for accounts XXXX XXXX XXXX. The accounts were opened in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) and charged off due to delinquency in XX/XX/XXXX with balance of {$500.00} ( XXXX ) and XX/XX/XXXX with a balance of {$1000.00} ( XXXX ). My credit report does not match this information. Furthermore, the payment history on these accounts proves their inaccuracy. How can XXXX bureaus report XXXX different sets of payment dates? I would like to see the original source of info as well as any documentation on file. Please also send me the paperwork that was used to 'verify ' these accounts. These accounts need to be removed from my credit report because they do not meet the requirements of the FCRA for inaccuracy.
Product: Debt collection

I feel as though I have been harassed daily by Portfolio Recovery Associates. I literally receive calls 3+ times a day from different numbers. Weekends, holidays, after and before normal business hours.
Product: Credit reporting or other personal consumer reports

hard inquiry on my XXXX XXXX credit report on XX/XX/year>, from Capital One credit card.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. You guys reporting an account that's was sold to other company it is against the law. XXXX  XXXX account # XXXX and was sold to XXXX XXXX
Product: Mortgage

The mortgage company received over XXXX for past due taxes. They only needed {$10000.00}. 
A partial refund was received and the mortgage company kept the additional money they received from NY state without permission or my knowledge. Instead of paying the current tax bill with the money they kept, they applied the money towards the principal on the mortgage without permission or knowledge. 
It took two hours on the phone, because the bank kept stating they never received the {$27000.00}. 
Which I have documented from the bank itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several old issues that have been paid but are still on my report that need to be removed.
Product: Credit reporting or other personal consumer reports

I just looked over my reports and many accounts are inaccurate or incomplete which is a violation of 15 USC 1681e ( b ), also I have been trying to obtain detailed description of the investigation process performed by Transunion basically all year from XXXX until today. They have been the rudest most unprofessional company I have ever dealt with from hanging up on me when asking for information, from blocking access to the call center once the social number is inserted, to blocking access to online, Transunion has sent frivolous computer-generated responses with no backing and it's getting really old and obvious willful noncompliance per 15 USC 1681n .

Under Section 15 USC 1681I ( 7 ) credit reporting agencies such as Transunion are obligated to provide a description of their investigation within 15 days, and this has never happened in over 6 months however they keep reporting the XXXX accounts as verified. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Provide the description of the investigation used to verify this account if you can not delete this account immediately. 
XXXX. XXXX XXXX XXXX XXXX : Provide the description of the investigation used to verify this account if you can not delete this account immediately.
Product: Credit card or prepaid card

I received an email from Capital One that stayed that my credit limit had been decreased because I do not regularly use much of the credit available to me. I checked my account and both of my cards had their limit decreased. I was only notified about XXXX. I called the company and explained to them that I am in the process of refinancing my mortgage and that this could potentially be catastrophic for my personal finance. I reminded them that I have been an account holder for years and never missed a payment. I asked them if there was anything we could do to restore the limit. They said there was nothing I could do. When I asked for details on how the decision was made they told me to read the email that was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed accounts with XXXX, XXXX, and TransUnion dated back on XX/XX/2022. According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct  # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was applying online for a home equity line of credit with XXXX XXXX. I authorized the review of our XXXX XXXX XXXX XXXX XXXX account. I received a number of emails from the credit union that an unrecognized computer had logged into our account ( 10 times ). 
I contacted the credit union and they provided a name and IP address of the company that logged in ( XXXX XXXX, XXXX ). Apparently XXXX XXXX merged with XXXX XXXX and is now XXXX. XXXX operates data centers. The credit union stated that no funds were accessed or transferred. 
I contacted the XXXX XXXX representative who said that XXXX XXXX does not work with XXXX. 
After several attempts ( online request on web site and phone ), I telephoned XXXX on XX/XX/2020 ( XXXX ). The representative in the Tech Support dept. confirmed that his company hosts data centers and said that the IP address that I provided could be one of their customers. He said he would file a request with the customer and ask that the customer contact me regarding the issue. 
On XX/XX/2020 I received a phone call from a representative of XXXX  ( XXXX ). The representative said he was responding to XXXX  's request. I explained the issue regarding the multiple logins to our credit union account and requested an explanation. The representative stated he would look into it and call me back. As of today, XX/XX/2020, I have not received a response. 
I did some research and discovered XXXX works with Experian. 
I recontacted the XXXX XXXX representative who said he did not recognize XXXX as a company XXXX XXXX has a relationship with.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Delayed Response and Request for Assistance I am writing to report and complain about the delayed response from the credit bureaus regarding my request. I have been a victim of identity theft and have been diligently trying to have the fraudulent information, inquiries, and accounts removed from my credit reports. Despite my repeated efforts, the bureaus have not taken any action. 

I have contacted them multiple times, but each time they provide different information and have been stalling. As a result, my issue remains unresolved. I need your help to correct my address and remove the fraudulent accounts, inquiries, and any late payment tagging on one of my accounts, as I have always been a good payer. 

Below are the account details without a history of late payments : ( Paid on time/Never late ) - 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 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 XXXXXX/XX/XXXX I have also attached my FTC reports, dispute letters, and IDs for your reference. Your assistance in resolving this matter would be greatly appreciated.
Product: Debt collection

THIS COLLECTOR CALLS AT ALL HOURS AND HAS NOW SENT COLLECTION NOTICES TO MY HOME. THIS DEBT SHOULD NOT BE COLLECTED ON AS IT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTION
Product: Debt collection

I created a XXXX account to utilize a mobile hotspot XXXX. Once I closed the account I attempted to return the mobile device. I brought to the store where I opened the account and they refused to receive the device. I was in communication with XXXX and they said to bring to a second store and they refused as well. After I was told to mail back through XXXX. I was sent a XXXX label and dropped the device off at my local XXXX store. I was contacted again by XXXX saying that I owed them for the device that I had returned to XXXX  I attempted to explain to XXXX that the device had already been returned and they opened up an internal inquiry ( request number available upon request ) and that I would be called back. A number of weeks past with no communication and I reached out to XXXX again and the person I spoke with could not find the previous record and a second request was submitted ( request number available upon request ) and was told I would be contacted. I was not contacted again until I was notified that the bill had been sent to collections. XXXX has either lost the device or XXXX missplaced it upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX Exeter Fianc has failed my rights XXXX XXXX XXXXXXXX XXXX A states I have the right to privacy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states XXXX consumer reporting agency can not furnish a account without my my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been after me over this fraudulent debt for almost 10 years now. I used to call them after every billing cycle and complain that they were gouging me ; my bills were going into the {$100.00} - {$300.00} range because of supposed data overages THAT I NEVER USED TO BEGIN WITH! So finally I switched plans. When I did that, they took my existing bill and added a prorated amount on top of it, which was ridiculous. The bill was ridiculously high, and I told them I wasn't going to pay it and wanted to cancel my membership. They said I had to pay and I started a new 1 year contract with them the month before. So, I didn't pay ( was actually financially incapable at the time ) and the next month they tacked on another bill. They said I owed close to {$600.00} FOR A PHONE BILL! I told them I didn't care how much they said I owed them, I will never voluntarily pay it. So they further hurt my credit by putting a derogatory remark on the Transunion account. 

Also, this debt collection is very old. I was happily with XXXX in 2016, not XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and 1st Investors Financial SErvices about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in XXXX XXXX getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information. XXXX XXXX sent a letter back dated XX/XX/17 stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in XXXX XXXX Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract XXXX to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my credit score to decrease and I want these inquires removed from all there reporting agencies immediately.
Product: Credit card

XX/XX/year> XXXX XXXX # XXXX {$320.00} XX/XX/year> XXXX XXXX {$63.00} XX/XX/year> XXXX XXXX  {$190.00} XX/XX/year> XXXX XXXX {$31.00} XX/XX/year> XXXX XXXX XXXX {$28000.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX {$37.00} All of these charges were not made by me and were actually in other states! I disputed all of the charges and yet the bank sent a letter stating that they conducted an investigation and the charges were not fraudulent, even though they definitely were. I have never shopped at any of these places.
Product: Mortgage

I have a mortgage account through Nationstar Mortgage LLC dba Mr. Cooper and I informed that I am having a hard time paying the mortgage due to my hardship and if they can reduce the interest rate or the payment amount. They sent me a letter in which the point of Contact is XXXX XXXX, the phone number which she provided is not working, she just gave me the regular customer care number and her extension. When I call the customer care number, it is not asking for the extension, so how will I dial the extension and reach the point of contact, now this is ridiculous. XXXX didn't even provide her email. 

She provided a fax number ( XXXX ) XXXX, and I faxed her on that fax day before yesterday but she hasn't replied yet. 

this is a greedy money hungry company who doesn't want to work with its customers and just want to make money by hook or by crook. 

This company is completely unorganized and think that customers are stupid
Product: Credit card

I received a promotion from Chase called Month-of-more. The promotion advertised 15 % cashback from select merchants pending the purchase was made through the Chase portal. One of the listed merchants in the promotion was XXXX. 

We needed a new fridge at the time so decided to forgo using another credit card to take advantage of the promotion through Chase. I followed the instructions to complete my purchase through the Chase shopping portal. After purchasing and receiving my new fridge I was a little puzzled when I saw the standard Credit Card reward of 1.5 % on my chase account. After some research online it was pointed out that it may take up to 2 months for the business ( XXXX ) to verify with chase the the purchase indeed went through. 

After waiting for 2 months i decided to inquire with chase on the status of the 15 % cash back. Initially Chase customer service claimed not to know of that specific promotion but to wait until my next invoice were the correct reward amount would be displayed. After receiving my next invoice i still did not see a change in the rewards amount I should have received. I called Chase customer service again. This time they claimed to know of the promotion but that I misunderstood it. The promotion clearly stated 15 % cash back for purchases with particularly vendors made through the Chase portal. 

At this point I have to Turn to CFPB
Product: Student loan

I have a student loan with Navient and I have a cosigner. I was put on a payment reduction plan since XXXX to qualify for a lower payment. I was notified by my cosigner that she has been receiving calls regarding the account being past due not informed that there was a payment program in place. I was not told at the beginning of the program that collection practices would still be in effect. I find it suspicious that she was not told of the program-if she is equally responsible, she should be equally aware of what's happening to the account.
Product: Debt collection

I certified mailed notarized letters to XXXX and XXXX on XX/XX/2020 and XX/XX/2020 disputing and requesting debt verification an validation demanding physical documents with my signature or any legally binding instruments that can prove my connecting to owing the debt placed by Rent Recovery Solutions, LLC. The collection account placed on my credit file was for XXXX XXXX in the amount of {$2400.00}. Rent Recovery Solutions, LLC. verified and validated the collections account with XXXX and XXXX both times without ever providing any of the requested documentation to verify or validate the collection account placed on my credit file.