23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : WELLS FARGO CARD SER XXXX
Product: Debt collection

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. Credit Collection Services are not listed on the Louisiana Secretary of State offical website business entity filings to collect a debt in the state of Louisiana.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Acct XXXX XXXX, Acct XXXX XXXX, Acct XXXX has violated my rights to privacy. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Per FCRA, as a federally protected consumer, I am now opting out of any or all authorization that I the consumer may have given you written, non-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

" ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX have an incorrect address list for and its XXXX XXXX XXXX, XXXX  XXXX, XXXX GA XXXX. This address is not associated with me more has it ever been, Ive never used or listed this to be my address and my address is XXXX XXXX  XXXX XXXX XXXX GA XXXX.
Product: Student loan

In XXXX 2015, I logged into Navient to find that my monthly payment ( or " amount due '' ) had tripled in size from XXXX. I contacted Navient to discuss my options, and they explained my only option was to apply for an extended repayment plan. To do so, I had to submit some paperwork and pay a {$150.00} forbearance fee, which would nullify my amount due for XXXX and give them time to review my account. I called them back a few days later and found out that my extended repayment plan was approved. When I logged into the account, however, I was still seeing the extremely high amount due that caused me to call Navient in the first place. After several phone calls, it was finally explained to me that due to a billing error, the wrong amount was showing in their system, but they assured me I had been approved for the plan. I monitored the amount due in the days up until my XXXX payment was due, but it never changed. As I 've had several problems with their billing before, I wanted to be proactive and call to make sure my payments were received and in the correct amount. Multiple members of their customer service team, including managers and directors, assured me that I should pay the amount due from the new extended payment plan, and not the incorrect total that was displaying on their website. They made countless promises that the issue would be resolved and there was no chance I would see a " past due '' amount and certainly would not be charged late fees. Two months later, I am being harassed on a daily basis by debt collectors and on top of that, they had the nerve to charge me a late fee. That 's not only something they promised me would n't happen, but the error is theirs to begin with. I 've made more than XXXX calls in the past month to correct the issue, and every conversation ends with a promise from a Navient employee that the issue will be corrected. It still has n't been. It 's amazing that they have the time to call me and email me - from blocked phone numbers and third party email addresses, no less - on a daily basis, but no time to correct their own issues.
Product: Credit card or prepaid card

I recently received a closure to a complaint filed on XX/XX/XXXX with Consumer Finance. Complaint # XXXX I have been disputing the allocation of payments made to this Credit card company since early XXXX It is important to note, any amount received in excess of the minimum payment requirement is to be allocated as prescribed by federal law. The law requires that payments in excess of the minimum payment requirement be applied first to the balance with the highest annual percentage rate. The Company indicates the payments were applied according to the practice of making any payment amount exceeding the total of the minimum payment requirements for each balance to be applied to the promotional plan with the closest expiration date. HOWEVER, The promotional plan they applied those Federal law required payments to DOES NOT EXPIRE UNTIL XX/XX/XXXX The billing cycles they stole my payment from is 7 ( SEVEN ) Months prior to the last two billing periods ... They applied these payments back in XX/XX/XXXX. So that's nearly 9 months prematurely that they have applied the excess payments. They have in their own explanation given to Consumer Finance violated the federal law, and every consumer protection afforded me. I want my money applied correctly. This is not satisfactory to close my complaint ... I'm issuing further investigation into this fraud committed by Comenity Bank. And where is the resolution for the XXXX $ that was re-allocated on my XX/XX/XXXX statement fraudulently? Comenity Bank stole money from a 30 % interest balance and applied it to a 15 % balance that I owe. This too I had included in that dispute. Where is my money? I placed a call to Comenity Bank on XX/XX/XXXX @ approx. XXXX. Internally they are opening a dispute because according to the person I spoke with said funds were re-allocated in an " improper manner '' ( code for illegal manner ) But here we are. Still allowing Comenity Bank to steal from the consumer. According to this representative, re-allocation of payments are not allowed, however when asked to explain the XXXX re-allocated funds that benefit Comenity by allowing a greater balance to the 30 % interest baring balance, she had no explanation. This type of inconvenience is appalling. It should never be allowed to be taking place here in the USA. It's despicable really. Shameful that we have to fight this hard for big banks to do what's right and abide by Federal law.
Product: Mortgage

have submitted a loan modification over and over at this point I don't think the package goes to underwriting the loan was originally a bad interest only loan Ocwen just keeps adding onto the interest only balance there is no justification to what happens once a package is sent to Ocwen its apparent that a review to assist me with this bad loan happens ; in a few days after receipt of the pkg. Ocwen denies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX called me and made it clear that I was not going to have any money taken out of my act until the end of the next week. I have called numerous times and I have been hung up on and the phone representatives were very misleading. I am in non financial condition to throw money at this company. I wanted to look into repairing my credit not getting it ripped apart by some scammers. XX/XX/XXXX I was texted info and it stated I was to receive email from the company. Each text was from a different number. One being a area code. From SD. The amt was in the XXXX range and subsequent payments to follow. Please help me with this situation. I am in debted to you and the staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXXXXX XXXX XXXX account is not accurately reporting payment history up to date I been a XXXX customer for over 15 years paying multiple lines out my bank accounts for a decade They refuse to use my long-history XXXX  account to boost my score
Product: Debt collection

Alliant still refuses to accommodate my XXXX. Sunday I returned from NJ to find a XXXX XXXX envelope in the snow in front of my home. It was wet and the letter was fading. It is telling me about my password and wants me to reset it. I dont want to change or reset my password. It was the XXXX who blocked me from using my own password. They have tried to change my email and are now trying to change my password against my will. They provide a number on the letter but it is not available during normal XXXX hours and is limited and not toll free. They continue to destroy my credit due to the lack of accommodation under the ADA so I could manage my account. There a pending civil rights complaints against them with the State of IL and the XXXX XXXX XXXX for refusal to accommodate my XXXX. The XXXX also left a letter about my mental health outside in FL and refused to retrieve it. ( See photo ) I have USPS mailbox that is safe from weather, I hold or forward my mail when needed. Using XXXX XXXX  to leave notices outside in the weather compromises my security. Lastly their requests for me to call go against medical advice since each time I had called in the past they were not prepared to discuss any accommodation under the ADA an only triggered my XXXX. They have never contacted me about any ADA process at their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$110.00}
Product: Debt collection

I am filing a complaint against Aldous and Associates for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus. 

Details of the Issue : Lack of Proper Licensing : Aldous and Associates does not possess the necessary license to collect debts in the state of New Jersey. According to New Jersey state law, debt collectors must be licensed to operate within the state. Aldous and Associates ' lack of licensing renders their collection activities illegal and invalid. 

Failure to Provide Adequate Validation : Despite multiple requests for validation, Aldous and Associates has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor. 
A complete payment history. 

Proof of assignment or ownership of the debt by Aldous and Associates. 
Instead, Aldous and Associates has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA.

Continued Reporting of Disputed Debt : Aldous and Associates has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of Aldous and Associates have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.
Product: Credit reporting

XXXX XXXX XXXX reported a late payment in XXXX 2013. I sent them proof of payment and they refused to remove the late. Sent the XXXX bank statement, showing payment, to Experian, they sent it to XXXX, and again they refused to remove the late. 
They should be fined, forced to correct, and punished.
Product: Credit card

On XX/XX/XXXX I received an email from Home Depot Credit Services with a statement showing a balance of {$5200.00}. The statement showed 6 purchases each between {$700.00} and {$900.00} that were made in Pennsylvania and New Jersey between XX/XX/XXXX and XX/XX/XXXX. I called the number on my credit card to report the fraudulent purchases. I was told that a person by the name or alias of XXXX XXXX had taken control of my account, made himself an authorized user, and was sent his own credit card linked to my account. I was NEVER notified of these changes. Home Depot has acknowledged notification of the fraud and stated in a letter that I did not have to make payments on the disputed charges. However, since then I have continually received email statements almost daily showing that I owe the disputed balance. I have also received two letters from Citi Bank stating they are attempting to collect a debt and that my account is past due. I last used my Home Depot card on XX/XX/XXXX and paid the balance on XX/XX/XXXX. I have not used the card since then. I have not made any purchases where I would owe any payment. It appears to me they are trying to make me pay for the fraudulent purchases that they were responsible for.
Product: Debt collection

XXXX XXXX XXXX attempted to sue me for an alleged debt after multiple atmepts to get this debt validated before and after court, they still never sent me the information needed to validate this alleged debt. 

In court the judge granted my motion to compel arbitration. 

I initated the arbitration process with the XXXX, XXXX XXXX XXXX failed to comply. Resulting in XXXX closing the case. 

Absolute resolution continues to report this on my credit report monthly damaging my credit health
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1700.00} Highest balance {$3500.00} Terms - On record until XX/XX/XXXX Payment history XXXXXXXX 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

Experian and XXXX are reporting the same account twice from the original creditor and collection agency. " Double Jeopardy '' is a violation of the FRCA and I am entitled to monies for damages by Experian and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2016.
Product: Mortgage

This company sold me on a mortgage modification. On XX/XX/20 I paid them {$1300.00} was my first full payment after giving them a {$500.00} deposit. Went on the FTC website and found out that it was illegal for them to take money from me until a mortgage was confirmed. I sent multiple emails providing FTC information and asked that money be returned. I left many phone calls and sent text messages to XXXX ( no last name ) and XXXX XXXX ( Billing ). Email messages sent to XXXX XXXX with many phone messages left with no return calls. My mortgage payment record has been perfect up to this date for the last 4 years and I informed them of this early on. They should be accountable for bringing my account current, including any penalties and late fees and report their negative business to the credit bureaus. I can produce copies of emails and text messages as well as proof of payment XXXX XXXX
Product: Credit card or prepaid card

Cash app has three ledgers on its website that list account transactions. 
1. An activity log on the home page of the app. 
2. A monthly statement available at the end of each month that is accessible as follows : from the homepage of the app, select the profile icon at the top right hand side of the screen, scroll down and select documents, select statements, select account statements and select the month. 
3. A csv ledger ( on the cash app website ). Go to cash.app, select download transactions-file with all of your transactions. This pulls up an XXXX spreadsheet more detailed than the other two ledgers. 

There is a transaction in the csv ledger of my account that shows a purchase from XXXX on XX/XX/2023 for {$440.00}. I did not purchase anything from XXXX on this date, or any date, for this amount. I have chatted with customer service, emailed customer service managers and spoken with customer service on the phone, all on multiple occasions, everyday for the past six days. Each time, I tell them that this transaction does not look familiar to me and I would like it explained. They refuse to answer my question. In their most recent correspondence they stated that they could help me with anything else but were unable to provide additional support and will be closing your case. 
I will send a copy of the ledger that contains the transaction in question, and emails supporting my complaint. 
Thanks so much for your help with this issue.
Product: Payday loan, title loan, personal loan, or advance loan

I received a text from a company that called themselves Greensky. they were thanking me for my request for a loan. I hadn't applied for any loan so i ignored it. A few days later I received another text telling me my loan had been approved. Again I ignored it thinking it was some sort of scam. A few days after that I received another text advising me that a comapny called XXXX XXXX XXXX had requested an {$8200.00} payment from my available loan for work they had done for me. I looked up Greensky and found that you had fined them for allowing contractors to take out {>= $1,000,000} in fake loans and were fined XXXX XXXX by the cfpb. Then I decided to send them a text saying that I new about their fine and was filing a complaint with you. When I went to send the text my phone warned me that I might be charge for it so I didn't send it.
Product: Checking or savings account

On XX/XX//2020 I attempted to close this Golden 1 Credit Union savings account by entering an ACH transfer from this account for the remaining balance of {$20.00} to my primary bank. The account I was attempting to close had been opened with a minimum balance as a requirement of an auto loan that I have since paid off. Since opening, I have never overdrawn this account nor have there been any transactions in it. 

Although the transfer would have drawn the account down to {$0.00}, not a negative balance, the transfer was stopped for non-sufficient funds, and I was charged a {$29.00} fee for the returned ACH. On XXXX/XXXX/2020, I called Golden 1 customer service to request the erroneous fee be reversed, have my balance transferred to my primary checking account, and to have the Golden 1 account closed. I explained that the stoppage of the ACH was an error, since the ACH would not have overdrawn the account. The agent claimed that the fee was not an error on the part of Golden 1 and he was therefore unable to reverse it, although he was unable to explain how a non-negative balance constituted NSF. He also claimed there was no manager I could speak with to escalate the issue and explained that if I wanted to close the account, I would now need to deposit {$9.00} to cover the overdraft ( caused by Golden 1 unjustifiably stopping the ACH ) first, then I could request the account be closed.