23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, I contacted speedy cash at which time I requested validation of the bill and requested an itemized statement with a copy of my original receipt/invoice with my signature. I never received the requested information. I received a credit bureau notification today in which a collection agency AD Astra Recovery servicesXXXX is reporting a negative on my 3 credit reporting agencies. As of today XXXX, I have not received a phone call nor a notice of bill and rights to dispute. I called today and spoke to XXXX who then transferred to Manager XXXX. I informed them that on both communication with speedy cash on XX/XX/XXXX and XX/XX/XXXX, I requested an itemized bill with a copy of the original receipt with my signature which I never received. 
Today, while on the phone with XXXX from AD Astra Recovery services, She lied and stated to me that I spoke to the collection agency on XX/XX/XXXX. I informed her that I did not speak to them however it was Speedy cash, she then went along and admitted that they purchased this account from speedy cash on XX/XX/XXXX and that they have not spoken to me. XXXX the manager has been made aware of this situation and per her request sent an email of dispute to XXXX. Copy of this complaint is being sent to Consumer Financial Protection services As well as Ad Astra Recovery Services. Certified Letter has been sent to Ad Astra Recovery Services
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these XXXX XXXX XXXX  that have no clue what great customer service ethics are. My credit score has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from XXXX ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.
Product: Debt collection

There is 3 accounts from a company called XXXX XXXX that was opened from my identity being compromised. I am requesting the XXXX accounts be deleted immediately. 
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from XXXX, XXXX, Trans Union or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.
Product: Checking or savings account

XX/XX/2019 : I went online to open a checking account at Bank of America with intentions to deposit check for retirement withdrawal. 

XX/XX/2019 : I received Retirement withdrawal check via mail from XXXX XXXX services. I called Bank of America to understand if I was allowed to deposit this check as my initial deposit in the account. I was told that I can deposit it, but there will most likely be a hold placed on the check and any funds that are made available immediately will be identified at the time of deposit. 

XX/XX/2019 : I deposited my check for {$9200.00}, and I was able to present my Drivers license as a form of identification and I received a receipt stating that {$200.00} would be available immediately, and the rest of the check will be held until XXXX XX/XX/2019. I was also informed that I would receive my new debit card within 4-6 business days. I chose to wait for my debit card instead of taking the {$200.00} cash at the time. 

XX/XX/2019 : I wanted to get my {$200.00} because I was low on cash and I went to the back to get the {$200.00} that was explained to be released and they stated that the funds were not available. After the branch manager called corporate to find out more information I was told that the account is being closed due to a lack of proof of identification. I was explained that since the account is in the closing process, then I will now not be able to have access to my funds for 7-10 business days. I then called the original provider of the check, XXXX, and they stated that the funds have been released to Bank of America. I then spoke with the closures department over the phone where they confirmed that the funds are still being verified and that I will not have access to these funds until the closing process is completed which is scheduled for XX/XX/2019. Then they explain that once the account is closed then I will be sent a cashiers check returning the money and that will take 7-10 business days to arrive. 


I need this money to pay bills. I have already gone one week. I owe on credit cards and utility bills and no mater what I do they continue to tell me that the funds are not available and They can not release them to me. I have provided proof of identification and they continue to hold my money. My credit score and credit companies are asking me for payment of which I will accrue overages and fees. not only is this inconvenient it will be affecting my future financial health.
Product: Debt collection

It appears that, based on the options provided by the CFPB for dispute selection, XXXX XXXX XXXX CFPB complaint number XXXX has interpreted my Notice of Dispute and request for Debt Validation as a claim of identity theft, prompting a request for an affidavit of identity theft. To clarify, I am not claiming identity theft. I am disputing the validity of this debt, as I have never entered into direct business with XXXX XXXX XXXX, XXXX XXXX XXXX, or with this debt Collector, Asset Recovery Services.

Despite multiple attempts to request validation of this debt through the CFPB, XXXX XXXX XXXX has failed to provide the required information and has continued collection activities in violation of 809 of the Fair Debt Collection Practices Act ( FDCPA ) [ 15 USC 1692g ].
Product: Payday loan, title loan, or personal loan

I'm consolidating my debt with a company and this company has power of attorney over my debts. I've explained this to Sunbelt Credit and they still call every single day, because they don't understand the process. I've explained to them that I can't comment on the consolidation because, I can't. They said that they still have to call because, that's their job. They don't mail statements that I can send to this company.
Product: Checking or savings account

On XX/XX/XXXX  a payment was made from my checking account to a credit card that was not mine. My ex-husband and I have similar logins and somehow he was able to make that payment off my checking account. That issue has been resolved as he can no longer see my information on his login. 
I discovered the charge on XX/XX/XXXX ... a Sunday. I called US bank on Monday XX/XX/XXXX to figure out what happened. They apologized and said they would reverse the charge. I verified with my ex-husband that it was indeed his credit card payment that was made off my checking account. I have continually been in contact with US Bank and the local manager that keeps telling me the " back office '' is working on it. I spoke to him just this morning letting him know that it's now been a month since the payment came out of my account and since they still have not reversed the transaction I would be filing a complaint with CFPB. I have called them no less than 1 to 2 times per week and keep getting put off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very sick in XX/XX/2017 from XXXX treatment. I called the VA they told me to go to the nearest hospital. I could n't drive so i called an ambulance. They picked me up at my home held me as i walked down my stairs. I was XXXX and XXXX from the treatment and the lack of being able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Again the Veterans Administration Hospital XXXX in XXXX Maine ( actually XXXX  Maine ) Was responsible for the transport to the hospital by the Ambulance Company. And they were told 2 times that they were to bill the VA Hospital at XXXX Maine. 
Then when they sent the bill i told them again that they were to charge the VA hospital. 
I only received that one bill from the City of XXXX Maine. 
No other bills were sent. I had sold my home by that time and was moving to Florida and I did put in a forwarding address at the POST OFFICE. But I still never received a second billing so I assumed that the matter was settled and the VA paid the bill. 
Any way I started getting harassing phone calls from a Thomas Agency.  They kept harassing me over and over and over again. I blocked all their numbers and stopped them from calling harassing me. 
I had explained to the City of XXXX that they needed to bill the VA Over and over but they did not follow my instructions so what can i do about that? If they had submitted a bill to the VA then they would have been paid. But they did not. So I can not help that. So they were upset because they didnt follow the instructions and sold the debt to a company that harassed me over and over and over again for their mistake.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please UPDATE to Paid as Agreed XXXX XXXX XXXX XXXX  my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Debt collection

Company or Organization : XXXX XXXX Bank XXXX, XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} Company or Organization : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00} Company or Organization XXXX
Product: Mortgage

Two years in a row, Roundpoint MortgageServicing Corporation forced placement for insurance on my property even though I had insurance coverage in place throughout that time and repeatedly sent copies and had my insurance company send copies. I 've had a total of XXXX documented phone calls, faxes, and letters to Roundpoint during the last 18 months and they have ignored my request to make this right. Each time I 've talked to someone in customer service, they have assured me that they have everything needed and that they see my insurance was in place during that time. I asked repeately XX/XX/XXXX for them to refund the amount they were escrowing since they did not need to force insurance since my was continually in place. They say they can see that they had proof of insurance, but will have to have the escrow department review and contact me. Nothing ever happened. When they forced insurance again beginning XXXX/XXXX/XXXX, I sent them a letter ( attached ) asking for immediate action for this fraudulent action. They just notified me that they will not escrow money for XX/XX/XXXX and have cancelled the forced insurance for this year. No mention of the prior year was given and my call to them gave the same result ( " I can see you had insurance in effect and we have what we need, but I ca n't take action ... '' ). 

I appreciate your help with this.
Product: Checking or savings account

On XX-XX-2017 I, XXXX XXXX XXXX XXXX, tried to open a new checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX. I was told that I could not open an account, due to a ChexSystems report containing a file produced by XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in reference to a Checking account held by myself, mother XXXX XXXX, and wife XXXX XXXX rtn.XXXX acct. ending XXXX. Closed non-sufficient funds X-X-2017 amount {$3700.00} This negative balance was a result of a charge back, reversal of provisional credit, as a result of fraudulent payments to XXXX drawn from the account in my mother 's name. This credit should have never been reversed, because the account was even deemed fraudulent by XXXX and payments were not due by anyone on the account. Furthermore, this should not effect my ability to open an account at another bank, for It did not concern me, my XXXX account, nor my ability to pay back a credit that was not my business even though the credit should have been sustained in the first place.
Product: Checking or savings account

I had received a settlement and it was direct deposited to DAVE XXXX ( XXXX XXXX  ) Part of the XXXX was I could send checks for payment to people. I sent a check on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to my sister XXXX XXXX. 
On XX/XX/XXXX I got a phone call from XXXX stating he was the XXXX, and that there was a problem. He said I am only allowed to send {$3500.00} in checks a month, therefore the XXXX check from XX/XX/XXXX and XX/XX/XXXX would not be sent. I explained to him that I can see the money and had confirmation emails stating the money was withdrawn. He said once the XXXX  days pass, the withdrawal would fall off and the money would be returned. I spoke the " XXXX '' a couple times, XXXX conversation stating that he could see the last {$3000.00} withdrawal on XX/XX/XXXX, and that my balance decreased but that would be returned. 
After that when I would call " XXXX '' was no longer available to speak to. 
Every time I would call after that, I would get the run around, no one answers me. I asked for a ledger showing the money removed and then returned I was told " that wouldn't happen ''.. 
Now I received a email that my account had been compromised and information leaked. But no answers to where my {$6000.00} is. My sister did receive the XXXX check sent on XX/XX/XXXX. 
I also received a written letter on XX/XX/XXXX from XXXX stating information XXXX have been taken between XXXX in the year XXXX ... 
So I am so confused and don't know where to turn. 
Thank you for your help, XXXX XXXX
Product: Mortgage

Excessive property inspections that are being charged at an excessive rate. For example XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX property inspections were done all costing XXXX dollars. This is not all of the charges. As well as foreclosure attorney fees for XXXX dollars on XX/XX/XXXXXXXX XXXX XXXX Another foreclosure cost of XXXX on XX/XX/XXXX. Additional foreclosure costs on XX/XX/XXXX in the amounts of XXXX, XXXX, XXXX, and XXXX. I have been informed property inspections should be no more than once a month for no more than XXXX dollars. M & T Bank is conducting multiple property inspections per month at XXXX dollars each time. I would like to dispute these charges and would like explanations of the other charges. As mentioned above these are just some of them. I am locked out of my M & T mortgage online account so I cant see all of my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that don't belong to me. XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX  Open Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : 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

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Consumer Loan

XX/XX/XXXX - I am REPEATEDLY solicited weekly to turn in my XX/XX/XXXX leased XXXX, and guaranteed a full service package if I leave that lease early AND enter into a new lease of a XX/XX/XXXX XXXX with XXXX. I get into contract and leave the XX/XX/XXXX at the dealership. 

XX/XX/XXXX - XXXX were to payoff the previous lease. 

XX/XX/XXXX - Late Notice from Chase. I double pay both, concerned the new lease payment was not properly applied. 

XX/XX/XXXX - Another late payment notice. I contact Chase, they tell me XXXX Dealership has not paid the car off. 

XX/XX/XXXX - I get Delinquent notice from California Department Motor Vehicles, that the XX/XX/XXXX XXXX ( turned in XX/XX/XXXX ) is overdue. XXXX has still has not paid off the car, nor legally reported the auto registration as agreed in new contract, and my law. 

XX/XX/XXXX - XXXX ASSURES me they are : taking care of the payments, making sure my credit report is corrected, paying off the vehicle fixing the registration. 

9 MONTHS LATER XX/XX/XXXX - I check my credit and the vehicle still shows OPEN and unpaid. 

XX/XX/XXXX - I have several excruciating conversations with both Chase and XXXX. They promise to update the account as paid in full. 

XX/XX/XXXX - XX/XX/XXXX XXXX Credit Report shows the account reported 60 days overdue XX/XX/XXXX - XX/XX/XXXX XXXXCredit Report shows the account reported 30 days overdue XXXX and Chase are completely incompetent. I am looking to join a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased furniture at    XXXX   XXXX   in   XXXX  of    2016 via a  lease agreement with  XXXX   XXXX . I have purchased furniture through them before and have never had a problem. Additionally, I purchased the furniture in this manner because I did not want to purchase the items on credit, which would have a negative impact on my credit. To my surprise, the account showed up on my Equifax Credit Report as an installment loan. First of all, this is not an installment loan, as clearly stated in the lease agreement ; second, I never received notification that the account would be reported on my credit report, otherwise, I would have never agreed to the terms or purchased the furniture. I would like this account removed from my Equifax credit file, as it is having a negative impact on my credit score.
Product: Credit card or prepaid card

I tried to get into by Best Buy Acct to pay my bill. The phone they provide has NO way to speak to a real person. Their automated system is only speech or numberpad-based. When they don't work there is no alternative. I can't pay my bill since NONE of the phone provided goes anywhere but their canned systems. 

I am sure this is deliberate as they can charge XXXX fees for late accounts. At this point I want to pay the account off and close it. Such a sleazy company. HELP!