23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I began recieving letters recently from Portfolio Recovery in XXXX. I contacted portfolio recovery on XX/XX/XXXX through email, phone, mail and chat function and was told they could not locate any account under my name. I requested a debt validation letter and was ignored and hung up on. I sumbitted a CFPB complaint, and on XX/XX/XXXX finally received my debt validation paperwork. The debt validation included a name I havent used in over 7 years and an address I haven't used in 5 years ( the account is less then two years old ). Apon review of my credit report, the account holder portfolio recovery claims I owe and is trying to collect on is paid in full with no delinquency, and under the correct name and address not under the inaccurate name and address portfolio recovery has on file. I contacted all three reporting agencies and all removed portfolio recovery from my credit reports stating inaccurate information. 

On XX/XX/XXXX, I contacted Portfolio Recovery via email, through their chat function on their website, and sent a letter disputing the debt and requesting Portfolio stop contacting me via phone, mail or electronically. ( See attached files ). I contacted Portfolio Recovery twice through their chat function and both times the message requesting such was read, acknowledged and then the debt XXXX closed the chat. 

Today on XX/XX/2022, I recieved an additional mailing from portfolio recovery, again under a name I haven't used in over 7 years, refusing to investigate my debt dispute stating they have already done so ( impossible since I have not communicated with them prior to XX/XX/2022 and just recieved the validation XX/XX/XXXX ). The letter was mailed XX/XX/XXXX, just XXXX day after I disputed the debt and demanded they cease and decist all communications. 

Since portfolio recovery refuses to heed my cease and decist demand, and honor my right to dispute this alleged debt, I am forced to yet again submit another complaint to CFPB. If this blatant disregard to my rights continue, I will be forced to persue further legal routes.
Product: Consumer Loan

on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against StellarFinance Inc. for Violating Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against StellarFinance Inc. for flagrant violations of my consumer rights. The company has been unlawfully reporting my transaction history, which contravenes pertinent consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), it is expressly illegal for financial institutions like StellarFinance Inc. to report transaction histories without explicit consent. Yet, despite this legal framework, the company persists in breaching my privacy rights.

Furthermore, I demand immediate action to rectify the inaccuracies in my account status. StellarFinance Inc. must update my account to reflect the accurate status of " paid as agreed '' in accordance with the terms of our agreement.

Additionally, I request an end to the unauthorized disclosure of my utilization, as this practice also violates consumer protection statutes. Disclosure of such information without consent is not only unethical but also illegal under the FCRA.

I urge the Consumer Financial Protection Bureau to investigate these grievances promptly and take appropriate enforcement actions against StellarFinance Inc. to ensure compliance with federal consumer protection laws.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had over 20k taken from my Chase account back in XX/XX/XXXX due to 3 fraudulent check ( s ) that were written and I was told that they would not reimburse me for the phony check. The check was not a check we wrote but was created and cashed by someone who had access to a previously written check and duplicated it. Even the check number was inaccurate. I am shocked that they are denying this claim as it is clearly check fraud. I need them to reimburse me for something that is clearly not our fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX, Equifax and XXXX. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, Housing etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.
Product: Credit reporting or other personal consumer reports

Ive been a member of credit karma since XXXX I tried opening a spending account to switch I received an error stating my identity could not be verified. I called and spoke to several representatives and even a supervisor to no avail. The couldnt even provide me with next steps just kept saying sorry our system cant identify you HOW!!?? when Ive had my account almost 10! Years?? I get daily updates on my credit score. How is that with an unverified indentitt? Hmmmmm??? I was filing thru XXXX XXXX  and tried to verify w them thru credit karma for advance. Still to no avail. No one seems to know what to do or whom to escalate to!! I requested my entire membership be cancelled!!! I may re join of the company makes this right? thinking about attaining an attorney because what the XXXX is credit karma doing with my personal info!??!
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

ORIGINAL CREDITOR XXXX {$400.00}
Product: Debt collection

XXXX XXXX has been calling me from a local spoofed phone number multiple times and leaving a voicemail saying the following : starting on XX/XX/XXXX then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again lastly XX/XX/XXXX at XXXXXXXX XXXX EST we are calling in regards to the auto debit file here in my office. we wanted to give you the opportunity to respond on your own behalf and see if there are anything youd like us to take into consideration before we make our final recommendations and try to give you a chance to resolve this on a voluntary basis. this is a time sensitive matter and does require your immediate attention. telephone number is XXXX this is a documented and time stamped attempt to contact you i have called on the following dates requesting information including original creditor, date it entered their office, balance, and a verification of debt/validation. 
XX/XX/XXXX at XXXXXXXX XXXX then again XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( hung up on ) XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX and finally XX/XX/XXXX XXXXXXXX XXXX they said they emailed the requested documents on both XX/XX/XXXX ( requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and then again on Monday XX/XX/XXXX at XXXXXXXX XXXX. none of which have been received. 
each time they say they have emailed me the verification to me as requested but it is not in my inbox, my spam or my junk folder. they refuse to verify the mailing address on file, and they are increasingly disrespectful, hostile and rude. i also let them know i am working with a debt settlement company, and that they are to be contacting them, however they instead belittle my choice to work with said company and continue to harass me and leave aggressive voicemails and treat the matter with hostility. they have threatened that this will be turned over to their legal department as well.
Product: Checking or savings account

I received a letter dated XX/XX/2020 in regards to my account being overdrawn, and they are charging me a {$30.00} fee. I had been calling non-stop, almost everyday since the date above, waiting for costumer service to answer my call, and no one is available. I have pictures or the long wait times i had been experiencing to fix this problem and no one there to help, even though they calim that my wait time will be 20 or more min in either language, English or  XXXX. Due to COVID-19 i am unable to leave my home to see if i can get in person assistance. I find it ridiculous and unprofessional of this bank to have such a horrible costumer service. I had called several numbers, and they all lead to the same automatic system, which tells me, im calling the same place. I feel like there is no way out. I go online, and i dont have a account with them anymore, yet, they are threatening me to send me to collections for {$30.00} and damage my credit, again for {$30.00}. This is beyond wrong. This could had easily been fixed or disputed if someone was available. Is sad, that this is my second complaint via CFPD to resolve my issues with this bank. Last time i made a complaint here, they called me right away, because they get scare. Is sad that they use the COVID-19 situation as there way to clean their horrible costumer service neglect.
Product: Mortgage

Guild Mortgage Company rejected both my Mother and my payments. The " Note '' Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XXXX Guild Mortgage Company excepted two separate checks one for  {$500.00} and the other for {$630.00} on the XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. 

As stated in my original complaint on XX/XX/2019, XX/XX/2019 in the same payment amounts one check from XXXX XXXX XXXX for {$500.00} and the Second check from XXXX XXXX XXXX for {$630.00}, which Guild Mortgage accecepted with no problem and labeled the two payments as a one and whole payment. The complete payment agreement follows the Mortgage Note same as a {$100.00} bill is a Note and worth {$100.00}. As we have 15 calendar days to get the payment in full to Guild Mortgage and there are nothing listed in any contract that enforces my Mother and I to open one account to send ONE payment. As stated previously the Deed of Trust covers if a Mortgagee is late pass the 15 Calendar days can only send ONE payment in whole to Guild Mortgage. If Guild continues to Breach the contract this will lead towards a Federal Legal Matter, needs to STOP NOW, as my Mother and I are two separate entities with our own banking and checking accounts, we are NOT a married couple.

Guild Mortgage account XXXX Pay From XXXX XXXX XXXX Amount {$630.00} Withdraw On XX/XX/2019 Category Mortgage ELECTRONIC Confirmation XXXX
Product: Mortgage

Lender did not provide appraisal despite signature on previous paperwork that we would like to receive a copy. They charged {$470.00} to my credit card account on XX/XX/21 ( today is XX/XX/21 ), but we never received the report. We are now one business day away from closing and have been unable to secure it. Lender has been generally unresponsive to our requests and has been otherwise hard to work with, but this clearly breaks all agreements and documents we have signed thus far.
Product: Credit card or prepaid card

There was a {$500.00} purchase from XXXX and multiple purchases to XXXX. Then a form of payment was tried to be made but got denied and payment was reversed so now I have twice as much to owe on that credit card. It's a XXXX Crdit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.
Product: Prepaid card

When checking the balance of an American Express gift card, I found that a fraudulent charge was made at a hotel in New Jersey on a day that I was at work in Connecticut. American Express said that the card had been swiped at the hotel, although it had never been out of my possession. I received no satisfaction from them as they explained that the cards are treated as cash to which I complained that their security is abyssmal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is all the evidence and records proving that Experian is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof. 

An investigation needs to be done regarding Experians abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Experian, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Experian. 

XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 

I don't ever recall paying any of these accounts late/after the due date. 

Attached you will find credit reports pulled by me from Experian on two different dates. The late pay information for the same accounts are different between the two dates. This proves that Experian is reporting the accounts inaccurately. 

Experian is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Experian 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Experian to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Experian who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Experian can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to e-oscar as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Experian must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. E-Oscar can not hold in court as per the noted court cases. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This e-oscar model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, Experian does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see Experian 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting eve ry 2 to 3 mon ths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
Product: Debt collection

Hello XXXX XXXX XXXX Claim # XXXX Per the company response about the debt ( please see highlighted parts ). They stated all charges are clearly reflected on the documents provided ( incorrect statement ) per page labeled 1-11 the transactions amount doesnt add up to the transaction listed. It was also stated that the second page of the statements contain no information relevant to the charges also an incorrect statement. 

Page 1 transaction and tradition total match Page 2 transaction and tradition total DONT match diff of {$1400.00} Page 3 transaction and tradition total DONT match diff of {$830.00} Page 4 transaction and tradition total DONT match diff of {$180.00} Page 5 transaction and tradition total match Page 6 transaction and tradition total DONT match diff of {$100.00} Page 7 transaction and tradition total DONT match diff of {$20.00} Page 8 transaction and tradition total DONT match diff of {$380.00} Page 9 transaction and tradition total match Page 2 transaction and tradition total nothing listed Page 2 transaction and tradition total nothing listed Total transaction proven per the documents provided is {$720.00}. There is {$2900.00} unaccounted for per the documents provided. I will pay what has been proven in full today ( {$720.00} ) minus the prior payments totaling {$110.00} to a total due of {$610.00}. Once I pay the full amount of {$610.00} the account should show as paid in full and cleared from my credit report as a collection. Please advise. Please keep the case active until resolve. Thanks in advance I can be contacted at XXXX XXXX
Product: Student loan

I have an issue with Navient. I called to settle my loans. The gentleman who answered told me i was eligable for loan forgiveness. If i made 3 installments. Which would be considered half my paymemt for my loan and they would pay the other half. Now im recieving statments requesting money from Navient. I called them and they said my momey i payed was just a servicing fee. Im trying to get to the bottom of this XXXX.
Product: Credit reporting or other personal consumer reports

I am confused about why XXXX and EXPERIAN have accounts listed on my report that dont belong to me. I rarely use credit, so its concerning to see this. It feels like a violation, especially since I wasnt notified about these accounts. This situation is very upsetting, particularly as Im looking to buy a new house. I was informed about negative items on my report, and theyre hindering my ability to move forward. 

I urge you to investigate this matter and remove the fraudulent accounts from my report as soon as possible. Im eager to purchase a home soon, and this issue is creating significant obstacles. If necessary, I will seek monetary relief due to the tampering of my name. I already have legal counsel ready to file a petition in civil court if this issue isnt resolved promptly. Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I was taken advantage of by the car dealership. XXXX a college student, first time buyer my XXXX XXXX was low XXXX. I had a approval already from my person bank that allowed me no money down, reasonable car note, and interest rate however the employees at the dealerships did not like that and was insisting I put money down my credit was checked over XXXX times without my permission which eventually hurt my credit in the long run. I knew nothing about these inquiries and its unfortunate because I cant apply for XXXX let alone credit cards in my name. I plan on moving to a brand new complex soon once my lease is up and purchasing a new car for myself but my credit is horrible and hindering me from accomplishing big milestones in my life.