23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had several ( 1 checking and 2 savings ) accounts with BBVA Compass. I opened these accounts in XX/XX/XXXX to participate in a XXXX promotion. By making monthly transfers ( {$380.00} each ) to the savings accounts from the checking account, I received an annual bonus ( {$250.00} ) in both of the savings accounts. The promotion was for 2 years. My last transfer was on XX/XX/XXXX to get the last bonus. On XX/XX/XXXX, I received a {$38.00} NSF CHARGE-RETURNED ITEM {$380.00} XXXX from BBVA Compass. I called a bank CSR on XX/XX/XXXX, and he reversed the {$38.00} charge. I told him that I could n't see online that there were anymore automatic debits into the savings account. He said that he could n't see any remaining automatic debits, either. I told him that I wanted to close my account to be on the safe side, as well as I no longer had a need for the account since the promotion had terminated. He wanted me to go into a branch location. I explained that I had moved since opening the account and that there were no branches in my current state or the adjacent states. 
I received notification in XX/XX/XXXX that BBVA Compass wanted me to pay {$140.00}. Online, I determined that the charges were as follows : XX/XX/XXXX NSF CHARGE-RETURNED ITEM {$380.00} BMS - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} XX/XX/XXXX NSF CHARGE-RETURNED ITEM {$380.00} XXXX - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} 10/18/2016 NSF CHARGE-RETURNED ITEM {$380.00} XXXX - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} Before this time period, I had not received any fees or service charges on the account when I actually wanted the account and was using it. 
The account was sent to the XXXX XXXX ), their charge-off or collections department. I contacted XXXX in XXXX XXXX and explained the situation. They referred me to BBVA Compass, which referred me back to Northland Group. It was a perpetual cycle in futility. I finally spoke with a supervisor at XXXX XXXX who said that I could dispute the debt and that it would return to BBVA Compass. I disputed it and follow-up with several phone calls. I still continued to get each BBVA Compass telling me to contact XXXX and vice-versa. Today, the XXXX XXXX told me that the account is in inactive status and that I had to contact BBVA Compass. The BBVA Compass XXXX made several calls XXXX to include calling the charge-off department, which is XXXX XXXX XXXX and spoke with his supervisor. He then advised me to speak with the BBVA Compass disputes department. The disputes department said that she was escalating my issue and that I will receive a call within XXXX hours. I have spent more than XXXX hours on the phone on at least XXXX different days trying to resolve this matter over the past 4 months, to no avail. 
The corporate office is in XXXX, XXXX with a listed number of XXXX XXXX XXXX XXXX XXXX. I would have contact that office if I could conveniently dial international phone numbers.
Product: Money transfer, virtual currency, or money service

Two years ago I had several unauthorized charges from XXXX charged to my Venmo account. Venmo tried to deduct the money from my linked bank but as I didnt make the charges or have the money available to cover them ( roughly {$1200.00} ) they declined and my Venmo account was frozen. There was no option to dispute the charges through Venmo and my attempts to contact them about it when nowhere. Recently I was sent a {$100.00} payment from a class action lawsuit to my Venmo account. When I tried to receive the money I was told I couldnt because of the money owed, and was finally given the opportunity to dispute the charges. Today they sent the resolution to those disputes, denying all of them, saying that they were consistent with my payment history. This makes absolutely no sense to me as I never once used Venmo for an XXXX purchase. These unauthorized charges are the only time an XXXX charge ever showed up in my Venmo account, and as I explained when filing the disputes as well as when they first appeared two years ago, I did not make these charges and they were unauthorized. I have no idea why Venmo ever even allowed them in the first place as they should have flagged them two years ago since they were in fact nowhere near consistent with my usage of Venmo. This has left me with a debt that isnt mine and no way of receiving the {$100.00} payment that they have no legal rights to keep from me.
Product: Payday loan, title loan, personal loan, or advance loan

I called XXXX XXXX XXXX because I kept seeing their wonderful ad on TV so I called them. I wanted my low water pressure check out. Well the salesman XXXX XXXX came over and was suggesting that get all kinds of plumbing. I was a fool because I sign for it on his XXXX. I ask XXXX XXXX to get me a copy of the work order and whatever I signed. XXXX replied I came come go over everything with you on Friday XX/XX/year>. I even ask should I call the office to make that appointment and he said no XXXX remember. So at that point all of the work had been done and XXXX XXXX never showed Upon XX/XX/year> as promised. So I still had no paperwork and the plumbing people had hammered my under the sink plumbing so hard It damaged my countertop. Next my bath tube was filling up with black water. So because I never had any paperwork and no one went over what was on the work order I called to XXXX XXXX. They offered me XXXX off my amount owed. Soon after I received a letter from XXXX XXXX XXXX XXXX and said DO NOT Fund the money to XXXX XXXX XXXX XXXX because you will be out the money since Im not satisfied with the work. I called XXXX XXXX XXXX several times and I ask them to make sure I was being recorded and I repeated the same thing DO NOT FUND The loan because your financial institution will be out of money. So I received a letter that had my loan number and the payments that I need to pay. I called XXXX XXXX XXXX and said did you find the loan and of course they did fund the loan. My complaint is with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I am not paying the loan and I will be contacting each credit bureau to put this on my credit report.
Product: Debt collection

XX/XX/2022 SPRING OAKS CAPITAL LLC contacted me about a debt through the mail. I asked for validation from them through the mail which hasn't been provided. I received a letter dated XX/XX/2022 on the XX/XX/2022. I haven't been given time to dispute validity. It hasn't been 30 days and it showing up on credit report.
Product: Mortgage

Hi, I need a copy of the envelope contents for the payment paid XX/XX/2022. My account thinks I have a problem with the XX/XX/2022 payment that is throwing off the loan schedule and has asked me to retrieve it from SPS. Please send the photo contents of the XX/XX/2022 envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. Experian needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? XXXX, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on the street. Not where our population needs to evolve too. STOP pushing people into the street. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights. under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not that a payment on a credit card account under a open and consumer credit plan as late for any purpose
Product: Mortgage

I feel the XXXX XXXX XXXX is attempting to artificially manipulate the value of my home in order to create an easily acquirable foreclosure by a coercion with some entity desirous of manipulating someone from their property through predatory practices. 

I believe XXXX and other entities perhaps XXXX are working together with a Government Entity ( XXXX XXXX XXXX ) to untruthfully manipulate Real Property values, perhaps for a merger with surrounding townships and/or municipalities. This is a potentially harmful situation for the inhabitants of this area, particularly myself as a potential target. A vehicle labeled " XXXX.. '' repeatedly cruises the area for unknown reasons ( XXXX passes per day seems excessive for a dead end road ), the vehicle labeled " XXXX '' passes multiple days per week and several times per day some days. This has been occurring for several weeks to months now, and I feel this is a method toward an artificial manipulation sought to conceal inaccurate claims of valuation and untruthful claims of ownership and boundary. Is it not illegal for the State XXXX of Arkansas to participate in such actions prematurely and with prejudice? It feels like harassment and appears designed to drive people from their homes. 

There is a proper Quit Claim supporting the purchase of this property from the XXXX ( family ) named in the attached documentation and after purchasing I submitted the requested documents to the XXXX XXXX XXXX notifying them of " NO RELATION to XXXX XXXX '' ( previous owner ), however, I still receive mail from their family and feel there is an associative problem. These potential doubts of ownership, relation, and boundary may be related to XXXX XXXX ( past surveyor of " XXXX XXXX '' ), a Real Estate entity, or to the potentially fraudulent reception of government benefits by the son ( XXXX XXXX ) or the mother and previous owner ( XXXX XXXX ) neither of which reside at this residence, but use this address for mailing periodically. Financial, Legal, and Medical documents have been sent to my home regarding both the Mother and Son. My response is to mark the mail as Return To Sender " XXXX Does not live here. '' and mail it back unopened. I have attempted to remedy the situation by moving the mail box, but these problems still exist in different forms and at different times. I believe that an investigation of improper identity associations, property claims, property valuations, and/or property boundaries related to real estate trade that may be uncovered will shed light on questionable and/or criminal practices regarding Real Estate, Predatory Mortgage Practices, Land Disputes, and the improper use of Residence Identity for the reception of Government benefits.
Product: Mortgage

I have sent bank statements as well as copies of checks to the bank Been trying to resolve issue since XX/XX/2020 Even filled out paperwork they sent me and emailed it to them That was XX/XX/2020 Received a letter saying they received it and nothing else Then again they sent me paperwork to fill out I am working extremely hard on my end to get this fixed yet it seems they are doing nothing except keep threatening foreclosure I have showed through statements and check copies that I am behind one month yet they insist it's three months I need to get this all fixed I have owned this house going on 21 years Been paying outrageous interest of 7.35 Have had many issues with this mortgage company Explained to them I fell behind and caught up then pandemic hit which was a rough 2020 but have been paying consistently for over 6 months now I need this taken care of not ignored.
Product: Vehicle loan or lease

I Did XXXX Consecutives payments and voluntary return the car otherwise they sold the car, and I paid the difference. and now they use the incorrect information in my credit report because LOBEL FINANCIAL XXXX sold the car. information not verifed from Corporation XXXX XXXX value represented in the contract. So it was paid XXXX $ in XXXX monthly payments. 
and 2020 payment XXXX $ total amount XXXX $ and the original amount XXXX $ difference is XXXX $ the car value in XXXX $ at least XXXX XXXX in auction Nothing in these records is accurate was my debt or was a value car in my credit report no appears any information when This account is scheduled to continue on record until????? is inaccurate and unlawful. 
I can't pay a lawyer. and add destroyed my Credit Report
Product: Debt collection

XXXX XXXX XXXX contacted my husband about my deck collection. My name is XXXX XXXX. They told my husband the amount of the debt and what I owe with interest and try to make a deal with him to pay a lesser amount. This is not my husbands debt. It was my credit card. they went against the law to talk to my husband about it
Product: Debt collection

Recently, Lincoln Tech started reporting a collection account on my credit report. Prior to the appearance of this account on my credit report, I did not receive a notice of my right to dispute. This is a violation of federal collection law.
Product: Debt collection

In at least 3 different multiple instances my wife is receiving collection calls from Exeter Finance for a debt on a XXXX product. We have repeatedly advised to not call her. We don't own a XXXX and have never financed anything with Exeter Finance. In fact, none of the data matches what they are trying to collect on. Repeatedly we have requested to be removed from their phone system. My wife 's name is XXXX XXXX. We live at XXXX XXXX XXXX XXXX MI XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. 
Below are the errors I have identified : XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time i apply for credit and they try to pull my Experian credit report it says i do not have a credit file. Please allow company 's access to my credit report. i have enclosed a letter i received from XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.
Product: Debt collection

I continue to repeatedly get calls after I told them I never received a bill, I told them to send me a bill and stop calling me. They continued calling me I didnt receive the bill until XX/XX/2020 the letter stated I had 30 days to make a payment however the collection agency reported this account to my credit. I didnt have a chance to even call and make the payment. Im requesting to remove this account from all 3 credit bureaus in return of payment.
Product: Checking or savings account

I deposited {$260.00} into an ATM at TD Bank XXXX XXXX XXXX. The ATM read it as {$160.00}. I immediately filed a claim with customer service. When I did n't hear anything after 2 weeks I went into the branch and filed another claim. The gentleman that helped me told me that the customer service representative did n't save the claim the evening that I called. It was also noticed at this time that the {$160.00} that the ATM had recorded that night was also not in my account. I waited almost a month and still had n't heard anything so when I was making a deposit, the gentleman that had helped me told me my claim had been denied saying there was no proof of my deposit at all. So not only did I not get the {$260.00} I did n't get the {$160.00} either.
Product: Credit reporting or other personal consumer reports

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become aXX/XX/XXXXand have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. 

XXXX XX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX