23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.
Product: Checking or savings account

Capitalone has not released my direct deposit pay check yet I have called numerous of times since yesterday XXXX the claim it'll be solved by XXXX  evening or XXXX  morning stillness money in account my account is balancing not enough funds to pay auto pay bills I have
Product: Credit reporting, credit repair services, or other personal consumer reports

I am communicating with XXXX XXXX XXXX  for the delinquent reporting on my consumer report. I have disputes with XXXX, EXPERIAN and XXXX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with XXXX AND XXXX and transferred, closed, written off for {$400.00} with EXPERIAN. XXXX XXXX XXXX  is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

XXXX ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
EXPERIAN ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
XXXX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because XXXX, EXPERIAN and XXXX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.
Product: Debt collection

I am not sure who this company represents. Ive never had communication or contracts with them. I have not entered any legally binding contracts with them. Requested debt validation to verify debtors Idebtity and merit on XX/XX/2024
Product: Credit card or prepaid card

In XX/XX/2020, I purchased an international trip in the amount of {$2000.00} to be taken in XX/XX/2020 from XXXX, an online vendor, for a third party travel vendor, XXXX XXXX XXXX. In the midst of Covid-19, all trips were canceled by airlines for my expected time of travel and airlines refunded passengers their money directly. I reached out to XXXX for a refund on a service that could not be fulfilled. XXXX has claimed that the third party vendor is responsible for this, and they can not assist me in providing a refund. The third party vendor, XXXX XXXX XXXX, has refused to provide a refund. The third party wrongfully refused to provide a refund, knowing that they received a refund for all flight and hotel reservations that were made in advance. 
I am aware that the U.S. Department of Transportation issued a notice in XX/XX/2020 requiring airlines to provide refunds. As per the U.S. Department of Transportation notice : " Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier ''. I was told by XXXX XXXX XXXX  that this does not apply to their tour operators, although they are based in New York. Therefore, I disputed this with my credit card company, who stated that they do not have disputing rights since this service was bought through a third party vendor, XXXX. I can not have a company keep my money during this time of economic hardship for a service that was not granted. To resolve this issue, I need a full refund for a service that I can not use due to an unprecedented global pandemic.
Product: Mortgage

I am trying to sell some of my real estate that has a loan through Caliber Loans. The title company has found an issue with the legal on the open mortgage. I am needing to get the legal description issue resolved so I can sell a portion of the property. Myself and the title company has sent the needed information to clear up the issue but the lender has not fixed the issue in 5 months. 
We filed a complaint with CFPB on XX/XX/XXXX. The company responded but still had the legal incorrect. To begin with they had my home loan against tract 2 which I no longer own. It is supposed to be against tract A and B, which is the tract my house and shop sit on. After contacting them about this problem they tried to correct it by putting the loan against tract 1 which is still incorrect. The loan is supposed to be against tract A and B NOT tract 1 and 2. I have attached the legal documents to further explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my husband had applied rent for XXXX XXXX XXXXt but they denied our credit approval showing the reason that there is third person involved in my credit report but later on when I received my consumer file report from the core logic safe rent there is no any other person involved in other words everything looks fine. So now when I asked them about that they said that status should be updated before we proceed. 
Now I did not understand how that third person shows in my report before and why I did not see that third person on my consumer file report. Is that the different things? As my consumer file report looks fine when can I get rid out of this issue?
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 XXXX USC XXXX. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( 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 to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding charge off accounts on my credit report and to make my fifth attempt to rectify this matter. Despite my previous attempts and providing substantial evidence to support my claim, the charge off accounts persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the accuracy of the credit reporting system. 

I request that you conduct a thorough investigation into these charge off accounts and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance XXXX {$1000.00}.
Product: Student loan

I keep getting letters about my PSLF application asking for more information. I have provided the same information multiple times prior to and then after consolidating my loans with Mohela. A year ago in XXXX they assured me they had everything they needed. Then this XXXX they asked for W-2s for XXXX XXXX. I have faxed them weekly for months. I finally uploaded them because sending a fax was not recognized or acknowledged. Then I received a letter to have my employer call them within 60 days. They did today and were told they no longer are doing PSLF. This should have been discharged 3 years ago.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquires on my Equifax report that i did not authorized XXXX is XXXX XXXX AND THE OTHER IS digital XXXX XXXX XXXX
Product: Credit card or prepaid card

The wife and I went to a timeshare promotion. They said they were just checking our credit to see if we qualify. Nothing was ever said about opening a credit card in our names. A few days later, we received a credit card in the mail that has been opened in our name. Again, we never agreed to open a credit card. This was just supposed to check our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX for ( XXXX  ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : 15 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!
Product: Credit card or prepaid card

I applied a credit card for emergency XXXX XXXX in the beginning of XXXX. I had the XXXX and received a bill with 2 weeks and paid it. 
I did not receive a bill since then I called the company about 2 weeks ago and asked for my bill. They said thet they would send it but it never arrived. Despite the fact that they told me that I would not have to pay interest if I pad it with in a year. My interest for the missing bill was {$26.00}. Now I have no bill and am completely unable to reach them on the phone. They are lending money at unusually high interest rates under the guise of helping people get medical and dental treatment. I have been working on rebuilding my credit and this is just destroying it. 

My name is XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2021 I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and XXXXnvestigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX this writer Leased a new XXXX XXXX XXXX from XXXX XXXX. In XX/XX/XXXX we weren't decided on whether we were going to purchase the vehicle or not, so this writer contacted XXXX XXXX and requested a Lease extension. The Lease extension was granted and lasts until XX/XX/XXXX. We have now decided that we want to purchase the vehicle and applied for a Loan. The loan was authorized but the rates were very high, despite this writer and wife both having very high credit scores : credit scores that we worked 30 years to create. During the loan this writer contacted the bank ( XXXX XXXX XXXX ) to ask why our rates were so high. The bank reported that XXXX XXXX had recently reported to all XXXX major credit bureaus that this writer was " late more than 30 days on a recent payment. This writer contacted XXXX XXXX to identify if a mistake was made and it was identified that my payment history was perfect and in fact that XXXX owes money back to us for overpaying. I spoke to everyone I could to get this rectified and I was informed by XXXX  that it could not be rectified and that " Im sorry it must have been an error. '' XXXX informed this writer that we had to report to CFPB to get corrected. 

I have included a copy of payment history.
Product: Debt collection

We are reaching out to you today to file a complaint against Monterey Financial Services for direct violation of the Fair Debt Collection Act. We agreed with XXXX XXXX to settle with them for {$1000.00} and sign a release agreement. We completed that process but XXXX XXXX never cashed the check but reported the debt as paid in full due to Grantors request, which led us to believe this had been resolved. However, come to find out, XXXX sent our account to collections. We notified Monterey Financial Services of this issue, yet they continued to reach out to us anyway. We want it on record, that Monterey Financial Services did not follow the Fair Debt Collection guidelines and all communication from them needs to cease.
Product: Debt collection

I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Student loan

In XX/XX/XXXX, I was checking on repayment dates for my loans. From the information provided at that time, repayment wasn't due to start until XX/XX/XXXX. 

On XX/XX/XXXX, through XXXX ( an app I connected to Navient ), I saw there was a payment coming due on XX/XX/XXXX. I went to call Navient to see if I could have the due date pushed to XX/XX/XXXX,  as I was not planning on starting repayments this early and wouldn't have quite enough to cover the loan payment and my other obligations. 

I called Navient on XX/XX/XXXX, and after verifying got sent to the collections department as there was a past due balance on my account. The agent refused to answer any questions or provide any assistance until the past due was paid. 

I checked my email, and the first notice of my loans going into repayment was on XX/XX/XXXX with a due date of XX/XX/XXXX, the next day. 

After seeing the emails, I contacted Navient via the email provided on their XXXX account asking why there was only a 24 hour notice of repayment starting. I did not receive a response, but I was sent another monthly statement dated XX/XX/XXXX. 

1 business day is not sufficient notice when loans are coming out of a deferment period.
Product: Debt collection

XXXX XX/XX/2020, both consumers entered into a private consumer credit transaction with INTERCONTINENTAL CAPITAL GROUP. The consumer did not enter a residential mortgage transaction with INTERCONTINENTAL CAPITAL GROUP because INTERCONTINENTAL CAPITAL GROUP did not lend any money to consumers to get said dwelling both consumers funded any alleged " loan " with their open-end credit. Per American Jurisprudence 2d 358 inasmuch as it is a general rule that a bank does not have the power to loan its credit to another by becoming guarantor or surety for the performance of the other 's obligation in a transaction in which the bank has no direct interest or from which it does not derive benefit banks etc are nothing but service agents, administrators, swap companies and etc banks can not claim to be creditors. INTERCONTINENTAL CAPITAL GROUP needs to provide material disclosures and GAAP to prove they lent consumers any credit in fact. I rescind my consumer application due to an unconscionable transaction, per XXXX CFR Part 1026 ( Regulation Z ) 15 ( a ) ( 2 ). Now INTERCONTINENTAL CAPITAL GROUP is in FTC and SEC Fraud. Pursuant to 12 CFR 1026.15 Right of rescission. ( a ) In a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind there was a security interest stated in the contract, therefore, this transaction is rescindable... I am the depositor and true creditor for this account, therefore you never loaned anything Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper security I also provided a promissory which paid for transaction 15 USC 1692h INTERCONTINENTAL CAPITAL GROUP has received payments on this alleged debt and affiant has the right to direct INTERCONTINENTAL CAPITAL GROUP to return all payments
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX {$910.00} Thise account is being reported inaccurately and has violated my rights according to the laws listed below.

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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall 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.

I am requesting your assistance in having these items removed from my Consumer report.
Product: Credit card or prepaid card

I have the personal amex gold card which advertise airline fee refunds up to {$100.00}. I booked a flight and had to pay a separate {$75.00} for last minute booking and amex said this fee did not qualify for reimbursement. i called and opened up a case and was told it would be 4-6 weeks to investigate and i never heard anything back. 


The charge was {$75.00} onXX/XX/XXXX.
Product: Checking or savings account

I received a letter in the mail from US Bank regarding a exclusive promotional offer of opening checking account that was linked to my business credit card that I have with them in the beginning of XX/XX/2022. 

The terms of the promotion stated : XXXX. Open a business checking account with promo code XXXX XXXX. Deposit {$5000.00} in new money within 30 days of account opening XXXX. Enroll in U.S. Bank online banking or mobile app XXXX. Complete 5 qualifying transactions within 90 days of account opening Once the terms were completed XXXX points ( equivalent to {$500.00} ) would be added to my business credit card within 45 days of completing the above requirements. 

I opened the account on XX/XX/2022 and used my U.SXXXX business credit card to fund the account with {$200.00}. I enrolled in online banking on the same day. I did an external transfer from an outside bank of {$4800.00} on XX/XX/XXXX. I completed 6 qualifying transactions between XX/XX/XXXX and XX/XX/XXXX. 

After waiting 45 days and not receiving the bonus I called and spoke to a representative to see when and if the bonus would be posted to my account. The lady whom I spoke to had to do further research and stated someone would contact me within 3 business days. I received a call 10 days later stating the terms of the promotion were not met. The {$200.00} that was used to fund the account was not considered " new money '' and therefore the bonus could not be given. 

Even though I used my U.S. Bank business credit card to fund the initial opening, I use an outside bank to pay the credit card bill. So the technicality of " new money '' can be open to interpretation. 

Afterwards, I called countless times speaking to multiple representatives with each time having to explain the whole situation from the very beginning. Each representative gave me a different response and was told I would hear back at a certain time when I did not hear back at all. One representative gave me their e-mail and advised me to reach out to them if I did not hear back in 24 hours. After 72 hours passed I emailed the representative and received no response. 

I am more disappointed in the service I was provided. I have a brokerage account, personal checking account, business credit card, and now a business checking account with U.S. Bank. For them to not value me as a customer was disappointing to say the least.