23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute an alleged debt reported by United Collections Bureau Inc on my credit report. The agency placed this collection without giving me the opportunity to challenge the debt or validate any information. I ended up paying the debt due to the constant abusive, deceptive, and unfair debt collection practices of this agency. 

A six-month payment term was agreed upon in XX/XX/XXXX for the debt, with all payments made monthly directly from my account to the agency. After the six-month term had elapsed and all payments were made, the collection agency placed a collection on my credit report without notice or opportunity to pay the balance or their decision. 

I contacted the agency to inquire why they placed the negative report on my credit report after the agreed payments were made. They confirmed their error and apologized but refused to correct it, instead referring me to the credit bureaus. I again contacted United Collections Bureau requesting a pay-to-delete agreement, which was agreed upon. However, the agency refused to delete the collections after full payment of the balance of {$530.00} was made. 

This negative report has been on my credit report since XX/XX/XXXX, and the agency is now requesting an additional {$200.00} to contact all three credit bureaus to remove the collections from my records. I have experienced immense mental stress, being denied mortgage loans and credit cards, which has severely impacted my ability to care for my family as a single parent of XXXX children. This is a violation of the Fair Credit Reporting Act. 

Please help me get this off my credit report. 
Thank you for your cooperation.
Product: Money transfer, virtual currency, or money service

XXXX SCAM DETAILS SUBMITTED TO WELLS FARGO : I responded to an ad on XXXX for a room to rent at XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, phone number XXXX contacted me by text on XX/XX/XXXX at XXXX PM. 

He asked me for a credit report on XX/XX/XXXX at XXXX pm. Which I texted the same day. 

I also had my reference who is a lawyer text him, namely XXXX XXXX XXXX. XXXX XXXXXXXX, NJ. 

I Zelled him the following amounts for the contract : {$85.00} for his application on XX/XX/XXXX. 

{$500.00} for the first months rent XX/XX/XXXX {$500.00} deposit XX/XX/XXXX {$500.00} for another months rent XX/XX/XXXX {$100.00} for utilities XX/XX/XXXX XXXX : XXXX. 

He got me to XXXX the payments respectively to the email addresses of : XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). 

The actual owner of XXXX XXXX XXXX is XXXX XXXX, phone number XXXX. He rents a room at {$1300.00} per month plus utilities. 

FTC I reported the scam to the FTC, number XXXX, on XX/XX/XXXX. 

WELLS FARGO I also reported the scam to Wells Fargo : Case # XXXX {$85.00} of XX/XX/XXXX Case # XXXX {$500.00} of XXXX Case # XXXX {$500.00} of XXXX Case # XXXX {$100.00} of XXXX Case # XXXX {$500.00} of XXXX EMAIL ADDRESSES USED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2024
Product: Mortgage

on XXXX, XXXX, I had been approved for a mortgage from Jersey Mortgage company located at XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Therefore, the closing was scheduled to be held on the XXXX of XXXX. As the seller and I were waiting, 3 days before the closing date, the loan officer has delayed it to the XXXX of XXXX. Thereafter, on the XX/XX/XXXX. He failed to do it and put it on the XX/XX/XXXX then on the XX/XX/XXXX. So the seller didn't agree to give any extension and terminated the contract. I did ask the loan officer the main cause of the contract termination. He told me at first, to pick a ready to move in house next time because this one has to much repairs. When I reported the issue to the CEO of the Mortgage Company , The loan officer got upset, yelling at me, screaming over the phone saying I wasn't supposed to report him. He said again that my lawyer was asking him to terminate the contract. He gave me 3 different reasons that made me confused. In fact, I spent {$2600.00} in home appraisal, cert of occupancy and inspection. 
I did ask him to reimburse me those amount since I wasn't the one who backed off the deal. He said no, and my lawyer didn't take any action even I asked him to do so. 
I hope you understand my complaint and will do the best you can to get an answer to this home contract cancellation matter. thank! I can be reach out at : XXXX XXXX
Product: Credit reporting

Experian has XXXX credit inquiries on my credit report. which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018 XX/XX/2018
Product: Debt collection

I have two separate accounts through a debt collector Vinci Law Office LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX. Two different account numbers, two different contracts. I have paid close to {$1000.00} to Vinci Law Office LLC for the auto loan account which I had a monthly agreement to pay {$120.00} monthly. 

I called to settle my other account with them. A credit card amounting in {$520.00}. 

THEY ARE SEPERATE ACCOUNTS ON MY CREDIT REPORT. 

At first they stated they only had one account with me, than they indicated they linked the AUTO loan and CREDIT CARD together. 
They refused to settle my credit card payment in full of {$520.00}. 
They are Refusing my money. Denying me the right to settle just one account my credit card account. 
They also are saying I need to make a larger monthly payment for my auto loan, which was court ordered at {$120.00} a month. 
I have been trying to get ahold of the supervisor XXXX XXXX. I called multiple times, left multiple voicemails. No one will speak with me in the office. I have emailed multiple times to separate people. 
No reply. 

Emails I contacted with no response XXXX XXXX XXXX
Product: Credit card

I received a letter dated XX/XX/XXXX from XXXXXXXX XXXX, after applying to a credit card through Credit Karma. Credit Karma claimed that I was guaranteed for approval, or would receive a XXXX dollar payment for denial. The letter states that I need to call XXXXXXXX XXXX  to proceed with the application. XXXXXXXX XXXX  has treated me like a criminal in my two attempts to reach out to them via phone on XX/XX/XXXX. I called them at XXXXXXXX XXXX  Central time and XXXXXXXX XXXX on XX/XX/XXXX. The first agent was very rude and hostile on the phone and then hung up on me after I refused to text him a photo of my ID. I found this to be extremely concerning and the way I was being treated on the phone was unacceptable. I figured it was a fluke, so called back the second time at XXXXXXXX XXXX and spoke with a " XXXX '' on the phone who was also very snippy with me. At that point I asked for a supervisor, and " XXXX '' claimed no one was available and refused to allow me to hold for a supervisor and kept insisting " a supervisor will call you back. '' I do have a fraud alert on my report and always appreciate people trying to protect my credit and identity. I do not appreciate being treated in a hostile manner for being a crime victim and treated in a disrespectful and unprofessional manner. That is completely unacceptable. I think it is also outrageous that this sham company doesn't allow a customer to reach a supervisor when the call center is acting out on the customers and don't have the most rudimentary level of manners. Abusing people is not acceptable under any circumstances.
Product: Mortgage

Bank of America XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SSN : XXXX We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times, requesting a payoff demand. XXXX is refusing to provide a Payoff Demand. Bank of America is refusing to provide any information whatsoever on this 2nd TD. 

I have tried to resolve this with Bank of Americas front end dept but no one will help me. In fact, on XX/XX/XXXX I was told that the 2nd TD was service released to XXXX along with the 1st TD in XX/XX/XXXX. I have since spoken with SPS and they DO NOT NOR EVER HAVE HAD THE 2ND TD. 

On XX/XX/XXXX I called Bank of America again. Spoke with XXXX XXXX. She could see the 2nd TD, said our authorization was not attached to the 2nd and therefore she can not help me. She said to fax the authorization in to her managers direct fax number and her manager said she would attach the authorization to the 2nd TD. 

I called back on XX/XX/XXXX and there is still no authorization attached to the 2nd TD. 

I called back on XX/XX/XXXX and there is still no authorization attached to the 2nd TD. 

On XX/XX/XXXX I spent over 2 hours on the phone with Bank of Americas employees and was transferred over and over again by Bank of America representatives who were RUDE, CONDESCENDING, IGNORED WHAT I SAID, REFUSED TO HELP ME, TRANSFERRED ME SO THAT THEY WOULD NOT HAVE TO HELP ME, SAID THERE WAS NO 2ND TD AND TRANSFERRED ME, REFUSED TO ALLOW ME TO SPEAK TO MANAGEMENT, AND REFUSED TO GIVE ME ANY INFORMATION ON A LOAN EVEN THOUGH I HAVE REPEATEDLY SENT BANK OF AMERICAS PROPRIETYARY AUTHORIZATIONS IN WITH THE CLIENTS SSN AND SIGNATURE. Bank of America had no problem attaching our authorization to the 1st TD - that was service released in XXXX, but absolutely refuse to discuss the 2nd TD with me and refuse to attach the authorization to the 2nd TD so that they may discuss it with me. 

As you can see from the title report there is clearly a lien on the property. It was with Bank of America in XXXX. -- -- -- -THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 


*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE **THIRD FILE** WITHIN THE PAST 60 DAYS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT FILED ON XX/XX/XXXX -- CASE # XXXX ************************** ****************************PLEASE SEE CFPB COMPLAINT FILED ON XX/XX/XXXX -- CASE # XXXX **************************
Product: Credit reporting or other personal consumer reports

I filed a dispute on Experian due to failure on reporting on an existing dispute. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting all of these derogatory remarks be removed or corrected immediately. It's affecting my chances of getting an apartment, car, or any new credit lines. Experian violates my rights as a citizen. I filed for bankruptcy and they still allow creditors to charge my credit effecting my score and future probabilities.
Product: Vehicle loan or lease

I purchased a XXXX XXXX and financed it through Wells Fargo Auto on XX/XX/XXXX. I started the process of trading the XXXX into XXXX XXXX of XXXX XXXX in XXXX of XXXX. I traded in the XXXX and took possession of the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX of XXXX XXXX sent my pay off information in to Wells Fargo Auto. 

I started looking into securing funding to purchase a home and noticed two delinquent marks on my credit from Wells Fargo Auto. I called Wells Fargo and was given the email address XXXX. I emailed them the required documents ( copy of title of new vehicle, purchase agreement showing trade in of old vehicle ) on XX/XX/XXXX. I received an email back on XX/XX/XXXX starting that email address was incorrect ( auto-generated email ). I called to confirm I had the correct email address, sent the email again, only to have it bounced back again. I called again, and got a fax number to send my complaint to instead. I sent that fax to Wells Fargo XX/XX/XXXX and had heard nothing back until XX/XX/XXXX when I called them. The first person apologized, said it was the fault of Wells Fargo, and offered to escalate my complaint. I took that option and was told it would be another 10 days after they did their own private investigate. She did not acknowledge that they would use any documentation I submitted, citing they were two separate departments and do not work together. I do not have confidence that this will be handled appropriately as it has not happened to this point.
Product: Credit card or prepaid card

I have an XXXX MasterCard credit card issued by Synchrony Bank. Per cardmember agreements, I am supposed to receive 5 reward points per dollar spend at XXXX. However, I have not received the correct reward points since my statement closing on XX/XX/XXXX. For the statement closing on XX/XX/XXXX, I spent {$9100.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received XXXX points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX  and is supposed to receive XXXX points on XXXX  spend but only received 0 points. Please refer to details in the 3 monthly statements attached. Also, in each statement, under the " reward information '', it also clearly states the following : " you will earn 5X points on your XXXX purchases for the rest of the year. 

Synchrony Bank informed me that the reason is that purchases with details XXXX XXXX XXXX are not considered XXXX spend. However, ever since my credit card account was opened in XX/XX/2019, all my purchases with details XXXXXXXX XXXX XXXX were considered XXXX spend and earning 5x points. Apparently, based on Synchrony Bank 's response, Synchrony Bank has only recently changed their rewards policy for the statement periods I stated in the complaint. Since Synchrony Bank has never informed cardmembers of such change in reward policy, Synchrony Bank should not use it as a reason to not award 5X points. Those purchases should still be entitled to 5X points.
Product: Bank account or service

My XXXX-year-old son received a new Wells Fargo debit card in the mail. I thought it was an update on his regular debit card. He took it into a bank branch, and was told that it was a cash in and out card only. The employee told him that he was better off just using his all-purpose debit card, and paying no attention to the cash only card. I 'm not sure about this, but it seems related to the Wells Fargo fraud.
Product: Debt collection

On XX/XX/XXXX I filed a dispute through both XXXX and XXXX  for the debt collections company IC systems. I have never had any contact with this business or company nor the company they are collecting for which is XXXX. I have never owned an account or done any business with companies. I do not understand why this fraud claim is being reported on my credit report and it needs to be removed immediately for hurting my credit score and being fraud.
Product: Credit card or prepaid card

I reached out to CBNA several times to inform them that I was not receiving the statements to pay on my account and was unaware the account was past due. I have contacted their disputes department and their managers on several occasions only for them to inform me that there was nothing they could do on their end to assist with this situation. 

The reporting of the lates is reflected on my credit reports from XX/XX/XXXX- XX/XX/XXXX they only offered to wave a {$25.00} late fee ; however, I disagreed because it is not my fault that the statements were not being received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Federal Trade Commission report to each of the three credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as XXXX, Experian, and XXXX, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and two fraudulent inquiries by XXXX  XXXX XXXX, and XXXX XXXX.
Product: Vehicle loan or lease

My vehicle was claimed to be a total loss. After XXXX paid my lien holder there was an outstanding balance that Ally Financial was supposed to pay to finish the payoff of my vehicle. After Ally Financial paid their part there is still an outstanding balance of {$380.00} ( 0.05 daily interest rate ). When I called Ally Financial they told me ( XXXX ) that the way they determine the payoff is NOT BASED ON WHAT THE LIEN HOLDER SAYS but rather they calculate based on my payment history. First : My payment history shows that I didn't only pay my monthly payment but I also paid additionally towards the principle. 2nd : I had 1 deferred payment during the life of the loan and Ally Financial informed they are not responsible for that amount and I didn't dispute it so I went ahead and made a {$700.00} payment. 3rd : I  asked the lien holder ( XXXX ) if my deferred payment effects in anyway the accurate payoff and she stated " ABSOLUTELY NOT ''. I called Ally Financial on XX/XX/2020 at approximately 1330 Hours and spoke to XXXX I informed him of the situation but he stated he couldn't help me I then asked to speak to a Supervisor, he placed me on hold and when he returned he told me that the Supervisor couldn't speak to and transferred me to the Supervisor voice mail ( XXXX ). I left XXXX a message in detail explaining the situation and asked him to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? XXXX XXXX XXXX is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If XXXX is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed XXXX XXXX XXXX is another violation of my protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/2018 I have disputed this account with XXXX, XXXX, equifax, and XXXX has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The XXXX opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then Equifax, XXXX and XXXX are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/2018 to validate and provided me with documents for they have had plenty of time to have this proof on hand.
Product: Student loan

I have tried to contact AES numerous times with no response. 
They are charging interest during the COVID crisis. 
The student loan industry is such a scam to begin with! 
I recently saw with an original loan of XXXX, I have already paid XXXX apx. 12,000 in interest. 
It is disgusting that the government and these corporations can get away with this. 
AES has never been able to provide me with documentation to show how this interest has accumulated. I have filed a previous complaint and the CFPB didnt do a dang thing! 
The people are going to start to getting loud about this corruption, we wont stand for this much longer.
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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Chapters View
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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 XXXX XX/XX/2023 XXXX XX/XX/2023