23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A Collection agency can't engage in any unfair method to collect a debt by making it difficult to answer two simple questions. On XX/XX/2019 at approximately at XXXX XXXX, a phone call was placed to XXXX XXXX XXXX , XXXX at XXXX that was recorded and l spoke with representative XXXX XXXX. I asked her what information pertaining to their records do they have about the account in question and she acknowledged receipt of my letter for request for validation however, she would not confirm the account was in dispute by refusing to answer the question, Is this account in dispute? 

After she continue to refuse four different times, I was involuntarily switched over to another representative who identified himself as XXXX employee ID # XXXX and he finally admitted that the account was in dispute however he refused 5 different times to answer the question, When was the dispute letter received? before admitting that he wasn't even sure when they received the letter but stated that it was updated on the XXXX. 

According to the Fair debt Collection Practices Act by law a debt collector has to acknowledge that an account is in dispute and show when the letter was received Also please note that on XX/XX/2019, I sent a dispute letter, requesting validation of debt for {$680.00}, dated, XX/XX/2019, for account number # XXXXXXXXXX on XX/XX/2019, that is attached with this 30 day non response letter, along with the bill, certified receipt and proof of receipt.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, also I did receive confirmation via certified mail that they did receive my letter on XX/XX/2019 at XXXX. Also they should also be aware that if they report such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm surey their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I look forward to hearing from them. 

This is an attempt to correct any and all records, and any information obtained will be used for that purpose. Communications to and from me the consumer may be monitored and/or recorded.
Product: Credit card or prepaid card

Got numerous calls to lower my credit card from Citibank call center. XXXX. They have harassed me repeatedly. I do not have an account with Citibank. They will not stop calling and have tried to get my personal information. It could be my information was sold to offshore call centers by my own bank or credit accounts, even after I opted out of the do not sell my information. I am being harassed by the same call center.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following 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
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I actually have several problems with all 3 credit agencys. In XXXX I purchased a home. At that time my credit score was around 620 or 640. Now in XXXX after paying all my bills on time, selling that house and paying all bills off .all credit agencies are showing my score at around 608. How is that possible?

Along with that there are items on my reports that should have dropped off years ago but somehow never go away. 

XXXX XXXX is the worst at being able to get my report or score at all. 

All 3 agencies mis up my brothers information with my information claiming he is either me or I am him. We have the same name almost. I am XXXX XXXX XXXX he is XXXX XXXX XXXX. Both born in XXXX XXXX North Dakota and have similar social security except our last 4. We have also lived together in different places. 

At one point it was so bad we both wrote letters and sent in our ssn card our ids showing we are two separate people etc. we sent them everything they needed but still these problems persist. Please help
Product: Mortgage

I was approved by the Louisiana HAF, after Hurricane Ida. My initial application was scheduled on XX/XX/XXXX, and processed by Truist on XX/XX/XXXX. On XX/XX/XXXX, I received notification that previously accepted homeowners were now going to be assisted for additional monthly mortgage payments and that no further action was required by me. On XX/XX/XXXX, I was able to make one months mortgage payment, which I called in to do so- Truist accepted the payment. Since XX/XX/XXXX, the status on the HAF portal states Mortgage Reinstatement Payment Remitted To Lender Or Servicer. Please Allow Up To 30 Days For Your Bank To Receive And Post The Payment. Applicant Also Approved For One Or More Future Payments, Which Will Be Paid Monthly. I waited the 30 days and called Truist, my mortgage servicer, on XX/XX/XXXX to ask for a status of my account - when I was told that theyd received a lump sum of funds from the HAF and were just waiting for HAF to advise them on how to distribute funds to each account. They told me to call back the following Thursday, XX/XX/XXXX, which I did. This time I spoke to someone who told me the same thing as the last person Id spoken to. By this point, Id just received a check in the mail for the amount of the mortgage payment i made on XX/XX/XXXX, with a notice telling me that Truist was unable to accept my payment due to my account being >3 months late. Therefore, the only way they would accept payment to my mortgage was if the full delinquent payment was made. How do they expect me to have the full amount if Ive applied for the homeowners assistance fund? Ive called Truist yet again on XX/XX/XXXX with no success in getting an update on the funds awarded to me. Fast forward to today, XX/XX/XXXX, no payments from the HAF have been applied to my account, and Truist has now reported my mortgage as 4 months late to the credit bureaus. I just need some answers.
Product: Credit card or prepaid card

Since XX/XX/XXXX, my jetblue barclaycard credit card has been set to autopay the full credit card statement from my ally checking account, as with all my credit cards. 

For the months of XXXX and XXXX no purchases were made from said card. 

On XX/XX/XXXX an initial purchase of XXXX was made. This appeared on the XXXX statement with an auto pay date of XX/XX/XXXX. 

A purchase of XXXX was made at XXXX XXXX on XX/XX/XXXX. This was my total XX/XX/XXXX statement with a due date of XX/XX/XXXX. 

On XX/XX/XXXX the payment was attempted but failed to withdraw from my XXXX checking account due to an unable to locate account error. 

On the Statement printed XX/XX/XXXX due XX/XX/XXXX, the payment is listed as successful and is not included in the statement balance. 

On XX/XX/XXXX XXXX was successfully deducted from my XXXX XXXX account, this did not, but should have included the XXXX that had failed the previous month. 

On XX/XX/XXXX Barclays reported a XXXX delinquent trade to the credit bureaus. 

On XX/XX/XXXX Barclays successfully deducted XXXX from my XXXX XXXX account. 

After attempting to obtain pre-approval for a home loan I was notified my credit rating was XXXX, this is a stark contrast to when I applied for pre-approval with a different lender in XXXX and my rating was XXXX. 

On XX/XX/XXXX I called Barclays which acknowledged the mistake and instructed I contact the FCRA, provide them documentation to retract the delinquent account report. This complaint ensued as the CFPB is now accepting FCRA complaints. 

Barclays prematurely reported a delinquent trade for a charge that should have been deducted on XX/XX/XXXX within the 90 day timeframe, additionally Barclay 's failed to contact me prior to reporting the delinquent account before reporting it to the credit bureaus. 

This caused my credit rating to seriously decrease just when I am attempting to get a home loan, causing serious harm to my prospects of being able to get a loan with reasonable rates. Prior to this action by barclays my rating was a XXXX, my new rating is a XXXX. This is the first delinquent report in my credit history.
Product: Debt collection

I have called Wakefield and Associates twice regarding this account and they can not find ANY information on it. I have provided my address and the last 4 of my social. They have put me on hold while checking other departments and still are unable to find anything on the debt. I have not lived in the city of the medical facility for several years and do not believe this is my debt. 
I noticed the debt when checking my credit report and noticing that my score had dropped by 24 points due to this being reported.
Product: Credit reporting or other personal consumer reports

XXXX continues to report illegally a report which states I've made a late payment. According to 15 USC 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

I NEVER EVER RECEIVED WRITTEN NOTICE OF FURNISHING OF NEGATIVE INFORMATION.

15 USC 1681s2 ( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

This must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

My father had a Coinbase account with his wife listed as beneficiary on the account. After his passing, I uploaded a death certificate and his will and requested the transfer be made to his wife. Coinbase repeatedly asked me for additional documents and a probated will from the state of XXXX. Every time I reply that the beneficiary was added to avoid probate, Coinbase continues to respond with their unnecessary document requests. Multiple times I have asked them simply to confirm their policy of if an account has a listed beneficiary would they still require the estate to go through probate and they ignore that question and respond only with the same document request. This has now been going on for two years while they unlawfully withhold assets from my late father 's wife. I have requested calls from the company and they will not comply. I forwarded a formal complaint directly with them and they simply responded with the same request for documents. My father held all of his eligible assets in joint tenancy with rights of survivorship with his wife, and for any accounts where that was not possible, she was listed as beneficiary. This was done specifically to avoid probate and Coinbase continually is requested a probated will when it is not necessary.
Product: Credit card or prepaid card

I applied for a Capitol One Quicksilver card online on XX/XX/XXXX. I was immediately approved online with a credit limit of {$7000.00}. My card arrived about one week later at my home address. When I tried to activate this card, I was sent to the Fraud Department. I was told that I would have to submit a copy of my drivers license front and back, a copy of my social security card, front and back, and a current bill at my present address. I scanned these and sent them to the online secure number. I was then told scanned copies were not acceptable, so I took pictures of these documents requested and sent them to the secured email address. I called to make sure they were received and was told they were and were acceptable. I have called in numerous times to check on why I can not activate my new card and each time I have to give the last four numbers of my social security card and the last four digits of my credit card. They recognize me by the last four digits, but then the Fraud dept. does not accept these same last four digits as  being legitimate. My inquiry always goes to the Fraud dept. and I am being told that my social security card is not acceptable. It is the same one I received in XX/XX/XXXX and have never been questioned about it being authentic. Capitol One tells me I have to apply for a new social security card before they will accept it and activate my account. I resent being sent to the Fraud Department. The Social Security office told me that my card should be acceptable for my lifetime. I also resent being told that all my documents are in order and then other times they are not. I received a letter telling me to call so that we could resolve this matter quickly. That has not happened and I hope you can help me resolve this. I can not understand how I was approved and sent a new card, only to be denied activation of the card because they will not accept my social security card.
Product: Debt collection

the 3rd party collection agency refused to send me a 30day notice and continue to harrass and call me every other day without ever sending me proof or a letter ever to dispute the bill. I had to look up the company to send out a letter to them and they still continue to harrass and ask me for money saying the account belong to me cause they sent a copy of 2004 statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a formal written complaint to XXXX XXXX and TransUnion on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from XXXX XXXX or TransUnion for either request on the XX/XX/2021 or XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account has violated my rights 15 usc 1681 section 602 states I have right to privacy 15 usc 1681 section 604 a States a consumer reporting agency can not furnish account with out my written instructions. 
15 ups 1666b a creditor may not treat a payment on a credit card account open a end consumer credit plan late for any reason Credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognized Inquiries XXXX XXXX XX/XX/19 On Transunion and XXXX and XXXX  XXXX   XX/XX/19 On Transunion and XXXX and XXXX XXXX XXXX XXXX XX/XX/19 on all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.
Product: Student loan

I am writing to formally request the repair of my credit score considering XXXX XXXX XXXX XXXX  settlement and to explain why the circumstances surrounding this settlement should not negatively impact my credit score by American Education Services. I was a student at XXXX  XXXX XXXX XXXX XXXX and a victim of institutional fraud. This fraud not only affected my education but also led to substantial financial harm. As a result, my federal loans were discharged under the Borrower 's Defense to Repayment in XX/XX/XXXX as part of XXXX XXXXXXXX XXXX XXXX  settlement. 
XXXX  XXXX XXXX XXXX case is a class-action lawsuit that was initially filed in XX/XX/XXXX against the U.S. Department of Education . The plaintiffs in this case were student borrowers who alleged that the Department unlawfully delayed or denied the processing of Borrower Defense to Repayment claims. These claims were filed by students, like myself, who were defrauded by their educational institutions, particularly for-profit colleges like XXXX XXXX XXXX XXXX XXXX . In XX/XX/XXXX, a settlement was approved, which mandated the discharge of federal student loans for approximately 200,000 borrowers who attended specific institutions determined to have engaged in substantial misconduct. As part of this settlement, borrowers also received refunds for any payments made on the discharged loans and credit repair for negative reporting related to these loans. Given these circumstances, the negative reporting by AES is not only inaccurate but also unjust. This inaccurate reporting has unfairly damaged my credit score immensely and does not account for my diligent efforts to manage my financial obligation, making it more challenging for me to secure employment, housing, and other financial opportunities during a time when I am already vulnerable. In addition, fails to acknowledge the fraudulent nature of the loans, which has been legally recognized by the U.S. Department of Education.

Despite my efforts to manage my financial obligations responsibly, including making timely payments and seeking a modification when I became unemployed, my request for payment modification was denied. Instead of receiving the necessary support, I was penalized with negative reporting on my credit report. I am humbly requesting that this information be taken into consideration and that the negative entries related to these loans be removed from my credit report. Enclosed, please find the necessary documentation, which includes evidence of my loan discharge of my federal loans from the U.S. Department of Education and the terms of XXXX XXXX XXXX XXXX  settlement. I humbly request that an update of my credit report reflect this situation accurately and make the necessary adjustments to improve my credit score. Your prompt attention to this matter is greatly appreciated, and I look forward to your positive response.
Product: Checking or savings account

Any reasonable bank customer would like to know how much is the balance and whether the transactions that he has initiated will be done or not? And may be how much amount of money will be there in the account after some transactions.In this Wells Fargo business checking account I am always guessing or wondering how much is the balance and whether the transactions will go thru or not?Just last Monday(XX/XX/2019)-I called Wells Fargo for the same issue. In fact talked to the supervisor. Today once again I called Wells Fargo for the same issue at XXXX XXXX and then talked to the supervisor(XXXX) that I am seeing that there is a pending credit of $XXXX from my XXXX XXXX(ending in XXXX) to this wells fargo checking account for the date XX/XX/2019. When i am getting that money into this account? She stated that she is not seeing that transaction. Worse she didn't even cared whether such transaction is happening or not? This transaction was initiated from this very Wells Fargo business account so they cannot be so ignorant.I offered her(XXXX) the screen shot but she is not willing to look into.This XXXX person is working in XXXX CA. XXXX is proposing to go to the wells Fargo branch. In the past, when i was in branch for this kind of clarification - branch told me to reach out to Customer service. They are just passing the buck to each other.It seems that Wells Fargo is too big and too much mismanaged. Right hand doesn't know what left hand is doing? Online banking, Phone banking, Bank branch - they are all out of alignment or out of sync with each other.How come a customer can trust a bank account if that doesn't even tell the correct transactions. I have an important IRS transaction and i have no idea whether that will happen or not?In the past, due to these kind of issues - i end up with overdraft fees. Thankfully Wells Fargo refunded it.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.