23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has constantly failed to provide proof of debt even after my attorney has requested it. I have also requested that they validate this debt and they have failed to do so. I have been suffering from the re aging of the debt which has been changed on my credit reports multiple times. They failed to respond to attorney letters sent out. I have proof which will be shown in this complaint. This company is very unfair and they have been committing fraud against consumers. As a consumer I requested to have this debt validated and all of the requests to no avail. In addition to my personal attempts to have this fraudulent company provide proof, My lawyer attempted on XX/XX/22 and again on XX/XX/22 to resolve this and the company is still violating my rights as a consumer. They have failed repeatedly to validate this debt within the 30days allowed by law and beyond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXX/XXXX  Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3.XXXX XXXX XXXX  Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX/XXXX Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear CFPB I never received statement and i did not know i have balance. the reason i did not receive statement because i change my address XXXX month ago and Chase XXXX sent my statement to my old address. I changed my address by phone and they did not update it and they sent statement in my old address. Its triggered my account to go XXXX days late and all my credit has been ruined. I have mortgage and my interest rate has been hike up double and i will end up paying many XXXX XXXX dollars over year in XXXX yearrs mortgage.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of late payments on my credit report by credit reporting agency about XXXX XXXX XXXX XXXX. The credit reporting agency is reporting late payments for XXXX XXXX XXXX XXXX ( Balance : {$2200.00} ), including a XXXX late payment mark. This reporting violates 15 U.S.C. 1666b ( a ) of the Consumer Credit Protection Act, which explicitly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure the periodic statement is mailed or delivered at least 21 days before the payment due date. XXXX XXXX XXXX XXXX has failed to meet this standard, making this late payment mark unlawful. Despite my repeated disputes, the credit reporting agency has failed to properly respond or adequately investigate and correct these errors. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies promptly. The credit reporting agency 's continued failure to comply with these obligations has caused damage to my credit reputation and financial well-being. The credit reporting agency has my personal information on file and therefore knows my identity. There is no valid reason for this failure to take appropriate corrective actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Acoount # XXXX, XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX repeatedly calls my cell phone to collect a debt that I do not believe I owe. 
They also send constant mail. Supposedly this debt is from XXXX and was over 7 years ago. 
I have repeatedly told them it is not my debt by they have not produced any evidence that I actually owe this. 
Today on XX/XX/2018, at XXXX from XXXX they called me again on my cell phone. 
When I told the gentleman on the phone this is not my debt he got loud and aggressive with me. In a tone that can be construed as yelling, he accused me of making false claims and told me that this remain on my credit. 
He was clearly trying to bully me in to paying money I don't believe I owe. 
I once again requested that the phone calls cease and informed them once again that this is a cell phone. 
He again said " Fine! This can just sit on your credit then! '' I ended the call.
Product: Student loan

I received several private student loans back in 2006. I did not complete school. I began to hear from something called the XXXX Trust which was confusing to me as I took out loans from XXXX Bank. I have since found out that XXXX Bank is not even permitted to issue these loans anymore because they would sell them to places like the National Collegiate Trust. According to my research these are passed around like stocks on a stock market. Anyways, I began to receive harrassing calls but I chose to ignore them because I had no idea who the XXXX Trust is. I then received a summons in the mail so at this point I called back. The lady on the phone told me it was about collecting student loans but that my prescence was not needed in court. I did not hear anything for almost a year. I imagine this is so the time allowed to appeal such a case would expire. They then began to try and garnish my wages. I was shocked that they were able to garnish 25 % of my wages. I had read with federal loans there are all kinds of programs to help people pay them back and set a max percentage of wages to be used. Unfortunately private student loans do not operate under these laws and they also are protected like federal loans from bankruptcy. How can this be? This is ridiculous. Not only is the amount they are claiming completely false but I am left with no options. Then I check my credit report and they arent even listed on it? How can this be? Are they trying to allow me to obtain a house or a car so they can use it against me? This makes no sense. The XXXX and XXXX this has caused is worse than any amount of money I can assure you of that. I cant be the only person in this situation either. I just want a fair chance to be a good contributing member of society and to the economy. Please will someone look at my case and tell me something can be done. Not just for me but people in my shoes as well.
Product: Checking or savings account

I tried to log into my account and could not. When I called Bank of America the representative XXXX informed me of an account from 2012 in which is XXXX yrs old and I have already informed them I did not owe on that account, and my recent account in which Bank of America closed because they charged me overdraft fees and they were the ones who overdrafted my recent account. They did not notify me at all and something needs to be done about this matter. I have put a lot of money in this bank and for them to close my account because they overdrafted my bank account is unfair.
Product: Mortgage

After numerous times to obtain a loan modification with PNC only to have them repeatedly lose my info, I attempted to do a short sale. There were so many unresolved issues with PNC and I hired several attorneys to help me work through this. As PNC threatened foreclosure, my attorney recommended bankruptcy to stall the sale while we continued to work with PNC. There were several offers but PNC would not consider them. My real estate agent ended up getting himself hired by the Trusteee. The bank changed the sale date several times and even though there were offers, they foreclosed on the house and sold it to XXXX of my attorneys. It was my understanding that an attorney could not benefit from their client 's misfortune. I have spent so much time and effort attempting to do my part, only to left with the deceptive talk and work done by PNC. I am hoping there is come recourse. It is my understanding that the house is getting ready to go up on the market again ... ... .. Thank you!
Product: Checking or savings account

I signed up for the Bank of America  Fundamentals Business ch ecking account with a promotion of {$200.00} after terms were met. I confirm that the terms were met, but Bank of America only award me {$100.00} for this effort. When I inquired why, they mentioned that merchants services needed to be used to get the full {$200.00}. This is not mentioned anywhere in the terms, which you will find attached. When I pointed this out, customer service disconnected the call.
Product: Mortgage

My mortgage company ( US BANK, who purchased my mortgage from my original lender ) for the 3 rd time is attempting to raise my payments, and are citing an escrow shortage for reasons on the increase. They are saying they do not have to give notice because it was an internal request from the tax department to raise my payment. I have been monitoring my escrow account extremely closely since the last increase of over {$200.00} a month to ensure there has not been another shortage on the account, which there hasnt been. I was also paid a tax refund due to over paying on my property taxes for the past year. My taxes have not gone up, so Im confused as to why my payment keeps going up. Nothing they are saying makes any sense.
Product: Checking or savings account

53rd mailed me a solicitation for a {$550.00} bonus promotion ( see attached promotion ). I met with a local bank representative, XXXX XXXX, who encouraged me to bring in an extra {$15000.00} to meet the full bonus, which I did. She stated it would not be a problem having it applied. After waiting 90 days, I noticed only one of the bonuses for {$250.00} was applied. I then tried to call and email them for months. They didn't answer their phones, return emails, or even respond to requests from their Customer Service to call me back ( see attached correspondence ). After many months, I was finally able to reach the branch manager, XXXX XXXX, when they directly connected me to her. She incorrectly stated the balance fell below $ XXXX for " several days '', so the promotion would not be honored, but would research it and I would not have to follow-up. Again I didn't hear back for months. The balance was only below $ XXXX by {$55.00} for a few hours on XX/XX/2020 because a third-party, XXXX, did an authorized debit that was instantly returned the same day on XX/XX/2020 ( see attached screenshot ), but 53rd applied it the next day. They've used that as an excuse not to honor their promotion, even though I've kept $ XXXX in the account for 16 months without any interest paid.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I do not know this debt collector ( spring oak capitol ) they are trying to collect A debt that was identified as fraud and identity theft with A company called XXXX XXXX in the amount XXXX cents. The credit bureau removed this deft for fraud and identity theft in 2015. This company was recently sent A copy of the police report by XXXX yet lied and said they never received A copy.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violated the Consumer Financial Protection act. More specifically Cash App failed to take timely and effective to prevent fraud on their platform leaving my account leaving my account vulnerable and unprotected furthermore the dispute process was unfair and deceptive as they do not comply error resolution requirements under the electronic funds transfer act and regulation e these signs have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, we purchased two tickets through XXXX to travel to XXXX. Due to the pandemic, the flight was cancelled. These tickets were purchased using our XXXX XXXX credit card. In XX/XX/XXXX, XXXX stated they were crediting a refund for the tickets in the amount of XXXX due to the pandemic and to allow two billing cycles for the credit to show on our XXXX account. In XX/XX/XXXX, the credit still was not showing on our XXXX credit card account. We contacted XXXX who insisted the credit had been placed back into our account. We contacted XXXX who stated there was no credit on the account from XXXX. After numerous phone calls and emails to both XXXX and XXXX, XXXX forwarded a statement showing the refund was placed back on the Visa XXXX credit card # XXXX, However in XXXX of XXXX, XXXX changed the credit card from a Visa to a XXXX. Upon talking to the representative from XXXX, we were assured that the credit would be corrected and we would be contacted within XXXX hours, Three times this was promised and it never occurred. The only correspondence we received from XXXX stated they could not dispute the original charge for the tickets. We never disputed the price of the tickets that we paid in XXXX and did not have a problem with the original purchase. We wanted the credit that was issued in XXXX of XXXX. We have spoken to numerous persons at XXXX, the last person told us that we could not speak to anyone else and that they would get back to us in XXXX hours and that was on XX/XX/XXXX and the management was reviewing. XXXX XXXX XXXX  was contacted and XXXX did not respond to their inquiry.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : 1234, has violated my rights.

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

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause.
Product: Debt collection

I already filed complaints # XXXX and XXXX. I need to find out why another debt collection agency is listed on my credit report with a different amount showing from the amount listed from the first collection agency. My main complaint is how was this XXXX collection agency able to post this debt to my credit report without ever contacting me? I never received any manner of correspondence from this agency regarding the debt. 
As a matter of fact, I just checked my credit report yesterday and saw that I have XXXX agencies trying to collect the same debt but in different amounts. I understand my debt can be sold many times over. Why is this allowed and how did this XXXX agency get involved? I need to have this removed from my report but I am only willing to pay the original amount owed and only if they will give me something in writing stating when I pay the debt in full that this will be removed immediately. Also, I need to know who I am paying, in other words, who actually owns this debt. Which collection agency or other business do I owe? I expect to pay only XXXX amount which is all I owe and without any interest or extra charges. Actually, I think my credit report is showing XXXX collection agencies trying to collect a debt from me. And the XXXX collection agency, which has already responded, was the only one to attempt any communications with me about this debt. I was never contacted by any means from the other XXXX agencies, yet they reported my debt without my knowledge to the credit bureau.
Product: Money transfer, virtual currency, or money service

The address associated with my Wise account has a little error. So I appealed on the Wise help center to try to correct it. I submitted my legal proof of identity and address documents and then Wise servicer emailed me saying that they had confirmed my proof and would achieve my address change in 1 to 3 days. However, only 2 hours later, I found my Wise account had been deactivated. I have tried to appeal, submitting my proof of address document again. But they dismissed my appeal. I can promise that I don't have any violations of Wise policy. I don't know what happened and Wise constantly doesn't give me a reasonable explanation. Please consider helping me solve this problem. Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have sent proof of this to XXXX and trans union and they continue to report inaccurate information on my credit report even after the I have verified the information is not mine and inaccurate then when I contact them via the phone Im they were rude nasty and lied stating it had something to do with my address and then I was blocked from checking my credit online via there sites and told to check free annual credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is refusing to remove inquiries that were obtained without my permission. I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair reporting. 

XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt or credit management

I have never heard of XXXX XXXX XXXX until today and I have been paying them fir six months. I have heard of XXXX XXXX XXXX and XXXX XXXX, but today I learned of the name of the company involved in my law suit. I now have to pay the monthly debt consolidation amount of XXXX and, apparently, the settlement amount of $ XXXX within 2 years to XXXX,, totalling {$1100.00} per month.. 

How is this debt consolidation? Upon calling they kept talking in circles until I gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 collections XXXX. I contacted XXXX in the past couple months regarding a debt collection claim on my credit report. XXXX replied from XXXX website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. XXXX has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.
Product: Debt collection

Debt was paid on XX/XX/XXXX as the collector states themselves On XX/XX/XXXX the consumer called our office to pay their obligation to our client XXXX XXXX in the amount of {$130.00}. We accepted the payment, processed it, and posted it to the consumer 's account within XXXX hours as explained to the consumer. The account is currently paid in full. Please understand that this transaction was initiated by the consumer only 2 days ago. At that time our office notified the consumer that updates to their credit bureau are performed as expeditiously as possible but can take up to 30 days to reflect on their report. The consumer 's account will be updated to the bureaus as paid in full during our next reporting cycle which will occur on or before XX/XX/XXXX '' No such change has occurred and the collector is still reporting as this collection is open as it still appears on my report as an open collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2021, I called TransUnion because I had some fraudulent inquiries and they told me I had to file a police report or an FTC report.
Product: Credit card or prepaid card

XXXX XXXX required that I come into the local branch to close my account. They would not stop charging me until I physically came into my branch to close the account in person. I called multiple times and called differnet corporate numbers. It was not possible due to a move. I called my credit card customer service number to request a stop payment on this merchant ( XXXX XXXX ) and all future transactions from them. I have an XXXX Chase XXXX credit card. They told me on XXXX XXXX, XXXX that the request was finalized and i would not be charged further by this merchant on recurring charges. I was again charge in XXXX and now XXXX. I called Chase to complain, and they said there is nothing they can do. When they do a stop payment, it is not guaranteed. It is only a request to the merchants bank to stop the payment. They informed me the only way to guarantee i am not charged by this merchant further is by closing my account.