23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I opened the account in XXXX. A secured Credit card for {$300.00}. In XXXX a bill came of {$18000.00} on a {$300.00} secured card from Elan Financial Services/ U.S. Bank XXXX XXXX XXXX charged a {$300.00} secured card {$18000.00} with a balance of less than XXXX dollars still on a secured card that was only {$300.00}. They made me add money to my secured card for the balance. Upon me looking at my statement I contacted them several times XXXX and Elan about the ballooned balance of {$18000.00} and they told me several times the issue would be rectified and resolved. Upon me applying for the secured credit, they told me I would never be able to go over the limit if {$300.00}. Thats how secured credit works. Its XXXX, the issue is still not resoved after multiple attempt to have it removed from credit report. 
An according to USC1681 ( e ) ( b ) they are suppose to do this ( 15 ) Treatment inaccurate or unbelievable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) if any information disputed by consumer, an item of the information is found to be inaccurate or accurate must be updated or removed.
Product: Student loan

Dear Sir or Madam : There was delay in repaying my account with XXXX XXXX, now Navient, and other accounts during the year XX/XX/XXXX - XX/XX/XXXX, because my household income went from XXXX incomes to XXXX. 

However, when I was able, I made arrangement with XXXX XXXX and made a payment of {$2600.00} starting XX/XX/XXXX and a monthly payment of {$120.00} until today. 

According to my records, I am current on my payments as of my last statement for loan # XXXX on XX/XX/XXXX. My current payment is {$120.00} per month and my balance is {$17000.00}. 

According to my credit history no changes had been made to my credit report and the account # XXXX is in a Charge-off status when it should show 'in payment '' as agreed. 

In addition please rescore my bureau score to align with the corrected credit report file. Please send edited version credit report to my address XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

I notified Shellpoint Mortgage that the borrower XXXX XXXX had passed away and that I was a Successor in Interest in the property. Despite being notified the lender, Shellpoint Mortgage sold the property at foreclosure auction. The property was reverted back to the lender on XX/XX/20. This is a violation of the Basic Rights Under California 's Successor in Interest Law as well as CFPB Rules and the Garn-St. Germain Depository Institutions Act of 1982. This is a violation of all the law and according to the title company who informed me that they can not issue title insurance on the property this also provides grounds for a case of Elder Abuse against the lender which is actionable on behalf of the borrower/victim on behalf of her estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB. The company responded by saying that they are not responsible for inaccurate information that is posted about this account to the credit bureaus. The company has verified as Accurate to all three credit bureaus stating that their information is correct. The company also responded to the CFPB, still maintaining their information is accurate despite different information being shown in the credit report. The company furnished information that shows the inaccurate information in their response. Their response shows payments I have made, that are not reflected with any of the credit bureaus. 
I also reached out to XXXX XXXX XXXX, in reference to her inquiry and explained what the issues were on the account. With no response to my response. In the response to CFPB it said she was unable to link up with me. I have attached email showing my reaching out to XXXX XXXX. 
According to the law, I have a right to accurate reporting. 15U.S.C. 1681 s-2 ( A ) ( 1 ), it is
unlawful for a person to furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is incorrect. 

I have made the company and XXXX XXXX XXXX aware of the issues, and yet the company refuses to take action. This is not only unfair but unlawful.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX
Product: Debt collection

The Company ECMC contacted me in XXXX with a debt that they indicated i owed for loans at a school i did not attend in XXXX, S.C. I indicated that they needed to stop the procedure of garnishing my wages because this was NOT my debt. They filed papers to garnish and eventually took {$2400.00} within the time frame of a job that i left because i felt i did not owe the debt and did not know how they were able to legally do this. I wrote this company twice with the 2nd in repsonse to them trying to track down another opportunity to garnish my wages ; in response, i wrote a certified letter indicating my actions that i would take, this was done on XX/XX/XXXX. I had not heard back from them until i got a notice regarding my debt with my credit score and noticed that they closed my account with them. I am not seeking legal counsel on my own to sue the company but am asking on my behalf with this complaint that the company reimburse the money that they took illegally from me.
Product: Debt collection

This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman. 

I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in XXXX case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.
Product: Debt collection

Kay Jewelers has been calling me repeatedly regarding a past due payment. They are calling from multiple different numbers, never leaving a message and calling multiple times a day multiple times in an hour or two time period. This is harassment. I spoke with them Monday and they stated that if I scheduled a payment online to be taken out this coming Friday that the calls would stop, two days later they have called three times this morning ( XXXX., XXXX and XXXX ) from three different numbers ( XXXX, XXXX and XXXX. Monday they had called three times as well back to back at XXXX., XXXX., and XXXX. This is harassment, I scheduled the payment online and the calls have not stopped.
Product: Credit reporting or other personal consumer reports

Late delinquency is showing up on all 3 credit bureaus. I have never been late on mortgage
Product: Student loan

I have a student loan through Earnest and ever since they were bought out and transitioned to to the new servicer I have had nothing but problems!! when I signed up for them they had biweekly auto pay, an app and you could change payment amount online and see payoff date. All of these things are no longer available. The also made me change my payment date when they switched. App has been down for over a year and they have made it next to impossible to pay off the loan. 

I scheduled a payment mid XXXX for XX/XX/XXXX and received confirmation of my payment. It is now XX/XX/XXXX and the payment hasnt posted on my account. It has been taken out of my checking account as of XX/XX/XXXX. Meanwhile the interest keeps accruing! I called Earnest and they tell me that there is a glitch and payments are not crediting. THIS IS A MAJOR ISSUE. had I have not been mini obsessed over my student loans I would have never known and they would have made {$860.00} plus interest off me. The person told me the are updating their system. Updating system when they just did and it wasnt working right? Its been a whole day and my payment has yet to credit. My next payment is coming due soon and I am scared they arent going to credit my account properly for the interest. These people are making $ XXXX a year in interest off of me and they cant even credit my payment?! 

This company should receive action from the government for making it next to impossible for students to pay of their loans and pay them off as fast as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning services has applied me to there system in the past couple of days for no legitimate reason and will not respond via phone call or email i was never given notice what actions by me would cause me to be put on there system so how would i know something as simple as inquiring for credit would cause this? The credit agencies XX/XX/XXXXand XX/XX/XXXX all tell me to apply for new credit? So you tell me to apply for credit to build my credit history and when i do they penalize me for inquiring? This is a very bad fraud prevention and is only hindering me building my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis provided a report to our insurance company that gave banking information indicating a problem resulting in a lower rate. I pulled the reports from Lexis Nexis that indicated an insurance inquiry but no banking items. FIRST issue is that neither company disclosed the credit reporting agency the banking information came from, which is illegal under the credit reporting act. SECOND issue is that my report has someone else 's information on it. Our social security numbers are off by one number and we have the same first name. I have already resolved this with the three credit bureaus over the years. THIRD issue is the information Lexis Nexis is providing without my consent to me or the other woman involved. I now have her social security number, drivers license number, car VIN number as well as her husband 's information. She has the option to receive the same information for me. Lexis Nexis is providing my information WITHOUT MY CONSENT. Lexis Nexis told me today I don't exist although they provided me a report when I requested it and expect me to jump through hoops to prove I do. I have a REAL ID drivers license which I already jumped through hoops to get, which should be used to verify the information. I need Lexis Nexis to follow privacy laws, stop combining reports of unrelated people, disclose reporting agencies, and issue me a corrected report.
Product: Bank account or service

hello, I am XXXX XXXX, I open a citi gold checking accout XX/XX/XXXX with a promotion code. When I spend {$1000.00}, and XXXX consecutive bill pay, I can get XXXX XXXX miles. Before I open it, I contact the representative to make sure that the code will be effective to me, then I open it and I did all the requirements. but until now I did n't get XXXX XXXX miles. I contact the citi banker, they do n't admit that code effective to me. Please help me. thank you so much. My citi checking account number is XXXX rounting numeber is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account appearing on the consumer report in my name, listed as follows : XXXX XXXX. 

The account is fraudulent, the debt held on the account does not belong to me, and it is appearing on the report as a result of identity theft. I have instructed the alleged creditor of these inaccuracies and demanded that they refrain from reporting anything about me. I have provided the credit reporting agency with the Federal Trade Commission ( FTC ) Identity Theft Report as well as a sworn and notarized affidavit attesting to the fraud on XX/XX/2022. 

I was never provided with proof of this account and its debt belonging to me as outlined in the United States Code, by the alleged creditor or the credit reporting agency. The account was removed in XX/XX/2022, and subsequently reinserted to the consumer report in violation of 15 USC 1681c-2 on XX/XX/2022. 

I was not provided with notification of the reinsertion of the fraudulent account in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). I have already begin to feel the affects of the fraudulent reinsertion in the form of a denial of credit.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ). 
Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXX XXXXXXXX Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Product: Mortgage

I have 2 complaints about M & T. 
1 ) questionable tactics to takes someone's home and foreclosure. 
2 ) having a loan modification process that gives the consumer only 18 days to provide dozens of documents. Some like taxes, have to be ordered. When the customer can not get the long list of documents in the 18 days. M & T cancels the customers application and deletes their account. they are just mean.. 

I am the most disappointed i have ever been with a company and can not believe they can do business like this and get away with it. Quick summary is the bank refused, yes refused to take my payments and started sending me foreclosure notices. 

Thanks. Just a couple more fact 1 ) fact 1 my payment suddenly went up {$1200.00} in XX/XX/2019 because M & T did a escrow adjustment, i had no idea, that was going to last 2 years. 
2 ) fact 2 i became behind for XX/XX/XXXX ) fact 3 i offered to pay {$3900.00} in XX/XX/XXXX which is a full payment and they refused. They refused my payment.They then proceed with letters from lawyers to my house threatening foreclose. The only way i can describe what they did is the word evil.
Product: Credit reporting or other personal consumer reports

I have home loans that XXXXXXXX XXXX has been serving. I have been paying on time monthly mortgage and despite that they have reported late payments to credit reporting agencies in 2023. I have provided all the payment history and bank statements and they still have not fix the incorrect reporting to the credit agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX someone hacked into my cashapp account somehow and {$530.00} was transfered out of my account. Since then I have tried on numerous occasions to contact cashapp support to fix this matter, and still to this day no one has bothered to help me or refund my money. Its as if this isn't a problem and I'm just supposed to give my money away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching all letters sent to XXXX XXXX XXXX XXXX ( XXXX ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to XXXX regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. XXXX did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXXXXXX XXXX on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

XXXX was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since XXXX has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.
Product: Debt collection

I HAVE CONTACTED EQUIFAX VIA PHONE AND MAIL TO GET INCORRECT ITEM REMOVED FROM REPORT ITEM IS NOT MY DEBT PLEASE REMOVE XX/XX/XXXX XX/XX/19
Product: Debt collection

CONTINUES TO REPORT AS A NEGATIVE ACCOUNT ALSO WITH MAJOR DELINQUENCY DATE OF XXXX WHEN I FILED BANKRUPTCY. THIS SHOULD NOT BE ON REPORT DUE TO CHARGE OFF OF BANKRUPTCY AND CAUSING MY SCORE TO BE LOWER BECAUSE IT LOOKS LIKE AN ACTIVE ACCOUNT
Product: Debt collection

I discovered a negative item on my credit karma from XXXX XXXX for a misunderstanding I thought was resolved They sent me to collections for and item that was never received for {$770.00} but I was given {$1000.00} credit They have on the XXXX  XXXX  my total credit was {$750.00} which is an error on their behalf They sold my false debt to Jefferson Capital An investigation was made and and in conclusion there was no judgement and it was charged off to XXXX but it is still on my credit report as a negative mark but this is all because of a mistake done by XXXX XXXX I would like this negative mark removed permanently from all my credit reports immediately please
Product: Credit card or prepaid card

There is a purchase on my credit card where I never received any merchandise. There is a tracking that shows it was left at my door, allegedly. XXXX $ + worth of merchandise left at the door? Doesn't sound real to me. 

I would like Navy Federal DISPUTES team to look into this. Not the useless " Fraud '' team. 

XX/XX/2018 XX/XX/2018 XXXX XXXX CA XXXX - {$2100.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute particular in light of the recent CFPB Lawsuit highline sign issue with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution, and XXXX fail to investigate and claim adequately, they informed me that recovering the little ones was impossible, and that was tracking the transaction was undescribable the CFPB finding indicate that XXXX has not only neglected to protect consumers, but has also allowed to repeat offenders to explore the system, leaving users valuable to scan this rack of account and transparency is unacceptable and raises concern about consumer safety
Product: Mortgage

Back in XX/XX/2022 I called Bank Of America asking for a HELOC type of loan that would have a fixed interest-rate. I was very adamant about it being a fixed interest-rate and clear the bank ended up sending me a {$10000.00} loan and a {$40000.00} loan two weeks after The first loan for XXXX was a fixed rate and I just found out XXXX of this year that the {$40000.00} loan that came after was an adjustable rate. The bank told me they cant do anything about it and I need to pay it off if I want to get rid of it, I feel very defrauded, and they misrepresented what I was getting due to the fact I was extremely out of it that I wanted a and not a variable rate loan
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. 

Account name, XXXX, XXXX  XXXX ; Account Name, XXXX XXXX  XXXX, XXXX  XXXX ; Account Name XXXX XXXX XXXX , XXXX  XXXX ; Account name, XXXX  , XXXX  XXXX ; XXXX  XXXX , XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy. 

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

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 conviction 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 or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report that were inaccurate and I would like removed.