23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX has charged me 3 seperate times. I had insurance at the time of all visits and tried to confirm that with them. They said there was no way to go back and verify that. But she did tell me she even had my insurance information on file. It just wasn't charged. The first accound was XXXX XXXX XXXX XX/XX/2015 for {$1300.00} another for {$44.00} XX/XX/2015 and XXXX XXXX XXXX XXXX on XX/XX/2015 for {$38.00}. Ive tried to dispute all these accounts by verifying medical insurance paid this but it still shows accound is open. They refuse to remove all these accounts and its really effecting my score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

I bought a refrigerator from XXXX XXXX since XXXX- XXXX or XXXX. 
I was paying monthly the minimum due as marketed and advised. 
I was just told it was on a 6 month promotion and I cant even remember. But if it was on a promotion or trial. They needed to notify me that the promotion was ending or ended but they did not notify me but rather they started charging $ 25 monthly as a finance charge since XX/XX/XXXX. 
I pay around $ 39 monthly for the payment and I never knew I was paying interest on top but I just discovered that my balance was not reducing and was worried. I called them and they said the promotion ended which I was not notified .i need all the finance interest charges reversed.
Product: Credit card

1. In XXXX of XXXX, without notice I stopped receiving online bills in which I relied on to make my payments. 
2. In XXXX, XXXX I realized this and on XXXX XXXX I called to pay off the balance and cancel my credit card. I asked to have XXXX of the late fees removed in which the representative agreed to remove {$40.00} and told me that my final balance would be {$51.00}. I agreed to make a phone payment in which I was given confirmation # XXXX. I was told that my card would be canceled per my request and that my account would be closed. 
3. Then in XXXX I received a call from Macy 's credit department telling me that I owed more money and on so I looked up my account and found that on the XXXX statement, my final payment of {$51.00} was credited to my account as a payment but they never removed the late fee of {$40.00} that they agreed to. I was also charged another late fee of {$40.00}. 
4. On XXXX XXXX I called Macy 's back to resolve this and spoke with a representative who did not speak XXXX fluently and I had a very hard time understanding her. She also did not understand what I was trying to tell her. Because of this I asked several times to speak with a supervisor and after being put on hold 3 times with no result I asked to have a supervisor contact me and ended the call. No one ever called me back. 
5. I then went on line and sent an email to customer service and was given the same contact number I called on XXXX in which I was still waiting for a call back. ( see email response ) 6. I then contacted the legal team XXXX, out of XXXX and on XXXX/XXXX/XXXX a letter was sent out to Macys disputing the late fees they kept charging each month and asking for someone to contact us. ( see attached. ) 7. After no response and late fees continuing to be charged on late fees, I asked XXXX to send another letter which they did on XXXX/XXXX/XXXX, ( see attached. ) 8. And after again no response, I checked my credit report and found that Macys reported me late with a balance of XXXX. This amount is all late fees and interest that occurred during the time period that I was trying to contact them. They did not respond to either my calls or my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX | Trans Union | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
Product: Credit reporting

XXXX an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. LENDER FAILED TO NOTIFY US-I XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws XXXX corrected error but not EXPERIAN OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I printed a letter to XXXX, XXXX  & Transunion, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that  responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from Transunion and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for  Transunion, XXXX XXXX XXXX XXXX its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.
Product: Checking or savings account

Usaa continues to place holds on my mobile deposits and does not offer any information or alternative to their mobile banking. Im either to deposit with my phone or at an atm. I understand the bank has to protect itself and customers and verify receipt of funds, however usaa refuses to revise hold dates or verify if the funds in question were received so that they can be released, they do this to intentionally cause overdraft and nsf fees. Then they site these reasons as why they place the holds in the first place. When a deposit is made you are advised of the hold date with a note that you can request the funds be released early. When you ask for them to be released early usaa tells you they can not and will not. They do not site any real information or reason, just thier policy. They are not checking to see if the funds were deposited and making money off of fees at the customers expense. They also fail to inform you that they will not adjust the hold even though they note at the time of deposit they they will.
Product: Debt collection

I requested verification on the alleged debt XXXX XXXX XXXX is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof XXXX XXXX XXXX could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back.

On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter
Product: Checking or savings account

On XX/XX/, I opened an Apple-Goldman Sachs savings acct XXXX using the apple wallet. I transferred money from my apple cash. 

In the agreement, and even written in big letters on the app, is that the money is available for withdrawal at anytime. 

However, when I tried to withdrawal funds on XX/XX/XXXX - back to my apple cash it was repeated declined. 

When I called to inquire, I was told that they money was subject to " transfer delays '' and that these " transfer delays '' may last for up to 90 days. When I asked her to define " transfer delays '' she couldn't. I objected, '' and stated that this was in violation of the contract, and also in violation of what is explicitly written on the app.. the XXXX  agent told me that they could always return the money immediately to where it was deposited from. When I said, that is what I was trying to do, she blamed the delay on apple, and would not provide further explanations. 

In the end, they would not make the funds available as the advertising promised. So I simply initiated a 100 % withdrawal of funds with instruction to wire transfer to my physical bank. Then, several days later, the money was at last deposited into my funds. 

I told XXXX that I would be reporting this fraudulent activity on their part. As well I told them that this may include joining a class action suit - as it seems that many persons were complaining online of a similar negative experience of GS not allowing withdrawals, despite the clear adverising of " funds available for withdrawal anytime. '' Then, today XX/XX/XXXX, I received an email informing me of an " Update to our Account Terms '' that now has a clause that says " We reserve the right to require you to notify us in writing seven days before a withdrawal is made from your Account. '' It also now says, " We may restrict your access or use of your Account, or close your Account, at any time and for any reason, without notice or consent '' It also now states, " Claims may be submitted to arbitration on an individual basis ONLY. Claims subject to this arbitration provision may NOT be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis ... '' As well as, the updated account agreement says, " We may use the funds in your Account to cover any : XXXX '' and " You agree that we may respond to any such legal process in our own discretion without regard to jurisdiction. '' And " Regardless of the terms of any legal process, we have first claim to any funds in your Account '' and " We are not required to accept or execute any Apple Cash Transfer instruction. '' It is crystal clear that they could not abide by the original terms of their advertised services that were in place when the account was opened. So they have now gone back and modified them with absolutely unacceptable terms. 

Account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A.- States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 - it also states a consumer reporting agency can not furnish a account without my written Instructions
Product: Mortgage

In XXXX XXXX, I applied for HAMP through Ocwen Loan Servicing LLC to try and reduce my monthly payment. The application has taken approximately 1-year to process, and Ocwen has since been close to impossible to contact regarding the matter. They are constantly assigning new people to my case, which is making it more difficult to get things resolved. 

Additionally, my automatic payment option to pay for my mortgage has been turned off by Ocwen two times. Several attempts, on my part, have been made to submit the necessary paperwork to get the automatic payments set up again, but they have not been able to successfully reinstate it. Since this has happened, Ocwen has claimed that my loan is past due, however, my bank statements show that Ocwen has pulled the payment amount from my checking account ( where is the money going? ). My mortgage is approximately $ XXXX/month, but Ocwen has sent me several, certified letters claiming that I owe close to {$17000.00} for 3 months in arrears ( 3-months multiplied by {$2300.00} is {$6900.00} ). Their letters have claimed that I am in danger of losing my home. 

As a senior, and widower, I have been on a fixed income for several years, and have always paid my mortgage on-time ( my credit score is consistently in the XXXX FICO range ). I do n't have any understanding as to why my payment plan has been altered by Ocwen, and I am frustrated with the fact that Ocwen has made no attempt to help me get my payment plan activated. It is as if they WANT me to go into arrears so they can foreclose on the property. Meanwhile, the funds are in my checking account. 

Please investigate this matter, because as of XXXX/XXXX/XXXX, I have noticed ( based on CFPB data ) that out of XXXX complaints against Ocwen, XXXX are related to loan servicing, payments, and escrow accounts. This represents XXXX % of their total complaints, so clearly the issue is not with the borrower.
Product: Debt collection

I receive calls day and night from all over the country from a company called Midland Credit Management ( XXXX ). 

I have no outstanding debts, nothing on my credit report, yet they call from dozens of different numbers. I've had them call when I was waiting for XXXX calls with my doctor causing me to miss my call. It's incessant! 

This is clearly harassment on the Part of Midland Credit management and I want it to stop.
Product: Student loan

XXXX XXXX XXXX is cancelling Federal Student Loans due to findings of misconduct but mine haven't been cancelled when they should have been. I enrolled into the XXXX XXXXXXXX XXXX XXXX in the fall of XXXX. I was forced to get a student loan so that I could attend the school. I was lied to and misinformed about there being a guarantee that I would receive a job once I graduate in XXXX XXXX. I wasn't able to get a job in my field and because of that I've worked odd jobs trying to get by and have been in debt trying to pay my student loans with high interest. 
My student loans are {$53000.00}. My interest is half of that. 
I am also apart of the XXXX lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureau a letter on XX/XX/2021 disputing inaccurate on accounts on my credit report and requesting they provide me with the procedures used to validate this inaccurate information. They again responded to me with verified results even though I have been disputing these problematic accounts for over 1 year now. They are violating the FCRA by not conducting a proper investigation into my disputes. This is my first of many complaints because they have violated my rights as a consumer numerous times while continuing to report inaccurate information. I have followed the instructions of the FTC and CFPB. Something needs to be done about this company.
Product: Credit card or prepaid card

On XX/XX/2021 I sent and email to Capital One informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Capital One reflecting as an authorized user.
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 XXXX XXXX, helped me out by finding a way to check if my XXXX XXXX were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION / OSLA DEPT XXXX EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : collection not mine XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits B, G, I &, K, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 


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