23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Approximately, XXXX weeks before XXXX XXXX, XXXX when the transaction for the amount of {$530.00} from XXXX XXXX XXXX XXXX DFS ) on behalf of the account ending in # XXXX was charged to my Bank of America checking account, I remember receiving a call from the XXXX representative while I was driving back home from the University XXXX Texas, XXXX. During that conversation, I recall the representative asking me to set up a payment plan for my credit card account then existing with them XXXX DFS ), which had been already delinquent for the past few months. I remember saying to him that I did not have the funds required to make the payment and asking him instead to call back in the next XXXX weeks or so to discuss the payment. He/She would not budge and kept pressuring me to reply in the affirmative. Suddenly, the call got hung up. The next thing I know was that they ( DFS ) had already charged my checking account for the specified amount without my explicit authorization. I also remember contacting both BoA and DFS regarding this transaction to no avail, and the BoA representative instead referring me to the XXXX for reversal. There was nothing else I could do and found myself absolutely helpless. All the while, the non-sufficient fees and the overdraft fees charged to my checking account kept piling up, and by the end of the year XXXX, had already accumulated to {$1200.00} and {$1100.00} respectively, amounting to the total amount of fees charged for the year being {$2300.00}, as per the BoA statements enclosed herewith. 
Please be also aware that the BoA ended up closing my account in XXXX of XXXX with a negative balance of $ XXXX as of XXXX XXXX, XXXX.
Product: Debt collection

On Friday, XXXX XXXX XXXX, I received a call with an automated message to call Receivable Management , a Debt Collector. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. I demand that you cease all communication with me regarding this matter, as required by law. Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. Please provide the following information to validate the debt : 1. The original creditor 's name and contact information. 2. A copy of the original signed contract or agreement related to the debt. 3. Verification of the amount of the debt and how it was calculated. 4. Proof that you are licensed to collect debts in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statement of Truth and Facts Truth : On XX/XX/XXXX Experian removed an inaccurate Ch-XXXX bankruptcy reporting on my credit report. It was then reinserted on XX/XX/XXXX without notifying me within 5 days as required by section 611 ( a ) ( 5 ) ( B ) ( ii ). 

Fact : As of today 's date ( XX/XX/XXXX ) based off this evidence alone it still has not been deleted from my credit file in compliance with FCRA 611 ( 1 ) ( E ) ( ii ) and 1681 ( a ) ( 5 ). 

Truth : Experian sent another follow up letter via mail Report # XXXX XXXX STATING " If I question the results or our dispute to contact the furnisher of information directly or review the original information " refer to your original personal credit report for the furnisher '' Fact : I contacted the original furnisher listed on my credit report and the clerk of courts responded on letterhead ( attached ) that it did NOT FURNISH THIS INFORMATION. Experian is required to have firsthand knowledge, the actual petition of the bankruptcy, bearing my signature in BLUE INK. FCRA 603 ( 2 ) Verification ( I ) made in connection with an application if made by, or in connection with a review of an account under section 604 ( a ) ( 2 ) must obtain written consent from me if existed. Under Section 604 of the Fair Credit Reporting Act you must produce the written authorization-physically signed contract. 

TRUTH : The status of " XXXX '' bankruptcy is inaccurate and the filing date is also. 
Fact : This is another violation of FCRA 609 ( a ) ( 1 ) not reporting 100 % clear and accurate information. 
Fact : I file ant 605 B identify theft report because The FTC Staff Summary 605 ( a ) ( 1 ) explains how Experian is wrongfully reporting this bankruptcy due to the fact that the status reporting and Date Filed is inaccurate. Section 605 of the FCRA prohibits Experian from providing reports that contain certain types of information that antedate the report by seven years ( ten years in the case of bankruptcies ). Sections 605 ( a ) ( 1 ) through ( a ) ( 5 ) specify particular items of information subject to the reporting prohibitions, including bankruptcy matters, suits and judgments, tax liens, accounts placed for collection or charged to profit and loss, and criminal matters. 

Truth : XXXX XXXX, XXXX verified in writing that they could not " find no basis to support this claim. Inaccurate reporting of " XXXX in chapter XXXX bankruptcy '' Fact : Furnishers must uphold their legal responsibilities to report correct date, and compliance must be enforced. FCRA 623 ( a ) ( 5 ) ( A ). Not reporting 100 % clear and accurate information per 609 ( a ) ( 1 ). Per FCRA 623 ( b ) ( 1 ) and Section 623 ( a ) ( 2 ) clearly states that this must be updated/corrected so that 100 % "  accurate '' and " clear '' disclosure of " all information '' in the file you maintain under my social security number is reporting correctly immediately status reporting should reflect paid/never late/account closed. These accounts were not XXXX in chapter XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments from XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$280.00} to avant my credit card company. My balance went back down to XXXX. On XX/XX/XXXX I made a payment of {$30.00}. Again my balance went down to XXXX. On XX/XX/XXXX my credit card company made an adjustment of {$280.00} to my balance. When I called them they told me that they dont accept my bank no more and that they return the payment. I contacted my bank and informed them what happened and they told me that no payment was returned to them. I contacted my credit card company and showed them Transactions from my statement showing that I did not receive any refund from them. While talking to My credit card company an Employee informed me that on XX/XX/XXXX my balance will go back down to XXXX. That the problem had been fixed. XX/XX/XXXX Ill check my balance it was at {$280.00} still when I called the credit card company back they told me that I still owe them that money that if I dont make a payment Ill be penalized. When I explain to them what happened I was told again that OK we will put your balance at XXXX on XXXX XXXX. But since then I receive messages and calls from the credit card company telling me I will be penalized if I dont make a payment on XX/XX/XXXX. When I called them today they told me that they would have to investigate it and it would take XXXX to XXXX weeks and that if I dont make a payment in this time I will be penalized. Their mistake has cost me XXXX points in my credit score as well as any chance of possibly getting a home loan at this point in time. I have no issues repaying The {$280.00} as long as they are willing to return it to me. All the documents attached to this complaint are just a show I didnt receive a refund from them
Product: Credit card or prepaid card

Well I receive a net spend XXXX card XXXX that I didnt ask for. So i made a purchase and the netspend ask me for my social security number. My name is XXXX XXXX XXXX XXXX and I just want to cancell my account and they said that I havent opened any account. I am worry about my social security how they know it if I havent give it to them? I just want to pay the money and closed the account that I have never opened because this is Froud.
Product: Payday loan, title loan, or personal loan

I initially placed my Tesla Energy order for solar to be installed at my home on XX/XX/XXXX. XXXX 's vendor XXXX XXXX approved my loan application on XX/XX/XXXX, to fund the project. Tesla installed the solar equipment, and all inspections were completed by XX/XX/XXXX. 

After installation, I expected to start repaying the loan I'd secured. After several months of contacting Tesla and XXXX XXXX, I provided a copy of the deed recorded with the county clerk, a piece of supporting documentation required for my loan that I'd provided XXXX XXXX  on numerous occasions. The last time I interacted with XXXX XXXXXXXX was on XX/XX/XXXX. 

Both Tesla and XXXX XXXX  were uncommunicative with me until XX/XX/XXXX, when a member of Tesla 's Energy Escalation and Resolution Team reached out to me. Tesla informed me that my loan with Sunlight Finacial wasn't funded " due to unforeseen circumstances. '' As an alternative, I was offered an internal loan product by Tesla that would save me money. The loan application process was completed by XX/XX/XXXX, due to unreliable and unclear communication on Tesla 's part. 

After securing the second loan, the first bill was incorrect by {$3200.00}, and the payment amount did not match any statement that I'd received from Tesla. Thankfully my bank was able to reverse the charge and limit the damage this could've caused. This incorrect billing amount has been debited from my bank account twice, and Tesla is still looking into resolving the issue.

Tesla has not been able to provide me with a timeline on when my account will b
e corrected and when I can resume regular monthly payments. Tesla also has been unable to confirm whether they've removed the autopay authorization from my account to prevent further erroneous charges hitting my bank account. This ordeal has been a protracted 16-month disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed a dispute with Equifax about my credit file and on XXXX XXXX I received a email stating the items was to be deleted but to my surprise they didnt delete them. Under the Fair Reporting Act legally them items must be removed.
Product: Debt collection

Qualia Collection Service is posting a dept collection for XXXX XXXXXXXX XXXX, XXXX, CA is XXXX the creditor. 

I have no clue what this amount should be. I don't have a relationship with this company or anything to do in California. I have received neither information nor any other data showing that I owe this. 
Several phone calls, written complaints, and anything else were helpful.

I may remember that I was called several times, claiming that I had to settle a vacancy, which, of course, was not true. 

The consequence is that I now have an entry that significantly affects my credit scoring, although this is a marginal claim. Such a thing costs the consumer a lot of time and money. Taking out a mortgage is cost-dependent and time-consuming.
Product: Debt collection

A credit card statement with a name, and purchases from a state I did not reside in during stated time period. They contacted me via phone & Mail after I requested they do not. I've filed a complaint about this, and they have provided false information regarding said complaint. Resorting to bullying tactics when I mentioned securing an attorney. Demanding their name. They are no better than a high school bully.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies were supposed to do a soft inquiry on my credit and ended up doing a hard inquiry instead.
Product: Debt collection

THIS ACCOUNT IS VERY OLD, I SAW THIS ON MY CREDIT REPORT DID NOT KNOW WHAT THIS WAS ABOUT UNTIL I CALL AND TALKED TO A YOUNG LADY ABOUT THE A LOAN, I KNOW NOTHING ABOUT THIS, SHE ASKED ME DID I PUT A LOAN OUT ON A MOTORCYCLE I TOLD HER NO, AND HOW DID SHE GET MY INFORMATION, THEY WANTED ME TO PAY XXXX, I AM NOT PAYING THAT, I DO NOT OWN BIKE, I HANG UP ON HER, AND NEVER HERE FROM THEM FOR YEARS, UNTIL LAST YEAR, THEY WANT ME TO MAKE PAYMENTS, NOW I DID GO TO CALIFORNIA TO VISTED MY SISTER BECAUSE SHE WAS VERY ILL, I DID LOSE MY WALLET AT THE STORE IN THE CART WENT BACK TO FIND, IT WAS NOT THERE, I HAD ALL OF MY ID, CREDIT CARDS AND DRIVER LICENSE, WHICH I HAD TO GET ALL OVER AND CANCEL OUT, NOT KNOWING THAT SOMEONE USE MY STUFF TO MAKE LOADS AND OTHER, SO THIS COMPANY IS TRYING TO MAKE ME PAY FOR A LOAN THAT I DIDNT SIGN FOR, HOW COULD ANYONE DO THIS, I DID NOT KNOW WHAT NCB WAS FOR A LONG TIME UNTIL I WAS TRYING TO GET A HOME,, NCB MANAGEMENT RISE CREDIT OF CALIFORNIA XXXX FILE, XXXX,, NO ; XXXX, I DO NOT HAVE ANY PAPER WORK ON THIS LOAN AT ALL, I HAVE NOTHING TO SENDED TO YOU ALL, SORRY ABOUT NOT HAVING ANY PAPER WORK. I AM LITTLE UP SET ABOUT THIS,
Product: Mortgage

I files for a modification, made the XXXX trial payments and they still put my house up for auction! Nationstar!
Product: Debt collection

I just received a wage deduction notice in the mail for a debt that was incurred in XXXX. I started my new job in XX/XX/XXXX and still on probation. the debt amount is XXXX i received this on XX/XX/XXXX. I was not aware that in the state of Illinois you can still be sued for a debt that is over XXXX year old. I have not heard anything since I moved around a lot until i moved to my new address in XXXX with my boyfriend.
Product: Money transfer, virtual currency, or money service

Well I applied for a loan. I am not sure when I applied. I was contacted and my loan was approved. Now he is telling me before I get the loan I need to boost my credit score. I am wired funds into my checking account and I am told to purchase gift cards. In this case XXXX XXXX XXXXXXXX XXXX I did this twice. The money sent to my account posts when the person does this he calls and tells me in order for me to get this boost on my credit score and to complete the application fulfillment I need to make these purchases. I attempted to text this person with my concerns and he texted me back threatening me with blacklisting and defrauding the company and having a warrant issued and jailing me. I am afraid and its always him depositing more money in my account to purchase gift cards. I have asked him about the concerns that I am having and he then tells me its government funds. And that everything is legitimate. I dont know what to do at this point. Please I need help
Product: Debt collection

Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/2020 I tried to fix this issue with TD Bank, but they did not do anything to help me. This company is reporting wrong information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. This is hugely affecting me emotionally. 

I am demanding the following item from my credit report : Target/TD bank acc # XXXX : Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXXLimit $ XXXX Bal {$0.00}. 

Please send the attached documents to TD Bank.
Product: Student loan

I was scammed by a fraudulent school loan and I dont know if it was paid off
Product: Debt collection

-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by Machol & Johannes LLC . representing XXXX  XXXX XXXX ( XXXX ), XXXX -The debt management company was receiving payments for the debt to XXXX  XXXX and forwarding payments to XXXX  XXXXMachol & Johannes LLC in the amount of {$85.00} -Signed a stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX -Machol & Johannes LLC . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -Machol & Johannes LLC . agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted Machol & Johannes LLC . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TD AUTO FINANCE Requested On : XX/XX/2019, XXXX XXXX XXXX  Requested On : XX/XX/2019, XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Checking or savings account

I tried to access to my online banking and the system gets crazy sending me the passcode, and on the second try the system said that my information in not recognized. 
I called customer service and they said they can not verify me ( didnt ask anything from my account or personal information ). 
Im not XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I know my user ID and password so I just need to have unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over 12,000.00. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.
Product: Mortgage

Our home owner insurance policy was cancelled due to no payment from our mortgage escrow account. We 've tried repeatedly to get answers from our lender with no success. We decided to pay our insurance premium directly to maintain coverage. Frustrating because this is money we already paid the mortgage company.
Product: Mortgage

my mortgage payments are {$78000.00} a month we had a bad few months, so i was paying {$700.00} a month and 4 months, later Huntington bank was trying to foreclose on our home with letters, i could not figure out what was happening, so i called them they had told me i had not been paying my payments, the 3 {$700.00} payments, just sat there, the XXXX, mi branch took my money, and all was good, then when i talked to them oh they had to tall XXXX oh, because they did not take care of that any more, i talked to a XXXX in the XXXX mi branch, he has yet to even call me back and get this straightened out, so i dealt with XXXX oh and finally got back on track, they said because i was not paying my payment in full they could not apply it to our acct,????? really, they actually mailed 2 check from Huntington bank in XXXX and XXXX back to us, instead of applying the, so they finally after my calls canceled them and once i pd {$86.00} on XX/XX/XXXX they applied one payment, then on XX/XX/XXXX i pd another {$170.00} they applied 2 more and then i pd {$780.00} plus {$100.00} late charge and they applied that one, the XX/XX/XXXX payment of {$700.00} they pulley out and reapplied that one, so finally on XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX payments got applied .I still owe for XX/XX/XXXX payment, every month because they wrote us up in the credit bureau and have ruined our credit, over not applying that money to our acct.i think they need to be fired for screwing peoples lives up, i will never recommend this bank to anyone, and i feel they need to correct this,. computers are only as good as the person putting in the info., i have never heard of a bank refusing money, because they can not apply to the balance, crazy.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$590.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX