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

in this complaint XXXX I discussed 2 times my accounts were closed, I asked for the money from the account closed in XXXX the response of the company was : We restricted your account ending in XXXX for closure, as we need to verify the maker issuance of multiple check deposits. Your account closed on XX/XX/2020, and we placed your remaining funds in suspense. To have the funds released from suspense, we need verifiable phone numbers for the makers of the checks I dont have the names of the checks and asked for copies of the checks so I can locate the makers and ask them for affidavits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX  balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with XXXX/XXXX, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received notification from XXXXXXXX XXXX informing me that a derogatory mark had been placed on my credit by Snap Debt Recovery. I have no knowledge of the basis for this mark or why it was posted without proper information. On XX/XX/2023, I initiated contact with Snap Debt Recovery and expressed my lack of awareness regarding any outstanding debt or claims against me. Despite attempts, including my letter dated XX/XX/2023, I have not received any correspondence or verification from Snap Debt Recovery as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g et al, specifically sub section ( b ).

I am requesting that Snap Debt Recovery provide the following information to substantiate the validity of the claim being made : The name and address of the original creditor, The account number and the amount owed. 
Verification of a valid basis for claiming that I am required to pay the current amount owed. 
The total debt amount, along with information on when it was sent to collections. 
Details on the method the creditor used to attempt debt resolution before collection. 
The amount of interest accrued since the debt was sent to collection. 
Any additional fees and charges associated with the debt. 
I also want to invoke my right, pursuant to 15 USC 1692d 806, to cease and desist all calls and direct contact with me immediately, as outlined in the Fair Debt Collection Practices Act.
Product: Checking or savings account

On XX/XX/year> I had XXXX large transactions totaling {$15000.00} taken out of my checking account. The XXXX, located, in XXXX, posed as the BECU Fraud Department ( they actually called from the Fraud Departments phone number ) and obtained a few key pieces of information so they could transfer money from my savings to my checking and then withdraw it. 

Since that time, BECU ( who I have seen multiple times ) has drug their feet on getting money back and done little to resolve the issue. I have been very clearly taken advantage of, and they are making me wait for up to three months before they decide whether or not to give me back my stolen money. Instead, they have given me a line of credit which I will be charged interest for using. As you can imagine, this has created tremendous stress and financial difficulties. 

Times are hard, and I NEED my money. Any help you can provide in getting my funds back to me would be greatly appreciatedthank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was immediately contact by 3rd party agency last week on acct, advised on first call I want to work out arraignments and advised will not be on credit as long as arraignments are worked and and kept and not even one week later it is reporting on my credit as derogatory. This is misleading and unfair, do not tell me I can avoid having the derogatory when I am clearing working on a resolution then go an report the derogatory anyway. Unfair and unethical I am furious
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My expartner took a loan out with Santander online utilizing my records and I was under the impression that it was not me until one day that we had separated and they called me to collect the car payment and I directed them to his phone and advised them they had the incorrect information. At which point they were extremely rude and started to offend me and call me a liar and and deadbeat over the phone and that I needed to take care of my responsibilities. I have not been able to get ahold of either one of them since the day him and the car went missing. I have spoken to both Santander and the dealership the car was purchased from and I fear that they had an inside person in the dealership to approve such a transaction. I've tried to call and explain this to them several other times and now they are being nasty calling at all hours of the night and speaking about my information to people I associate with. I have hired an attorney which advised I file a formal complaint with all three  credit bureaus because in accordance with the FDCPA they are violating my rights. I will be officially recording all conversation and documenting all calls moving forward as recommended by my attorney to file suit in this matter. Any assistance you can provide will be greatly appreciated. I have gained the support of both Of the other Bureaus to assist me in the matter if you can please reach out or would like to have my attorney contact please advise. We have submitted paperwork via certified mail for proof but calls and threats are becoming to frequent. Thank you again for your help in resolving this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX PS. That is my correct address not the other which they keep challenging and will not let you correct. If you can help with that as well I greatly appreciate.
Product: Credit reporting or other personal consumer reports

Received notification from several credit monitoring companies that there was a hard inquiry on me. It was all reported as Capital One. I called Capital one immediately and was transfered from dept to dept with no answers. They sent me to disputes, allocations, etc. And had nothing to report to me
Product: Credit card

Current did a false publicity violation on XX/XX/year>, for a tailored retail banking offer that they mailed to me. Credit implication none stated, or if any, in a manner as to mislead. I sold on flat-out mentions of 'Reporting on time payment of rent made with checking ( paycheck ) balances, to the Credit Bureaus ' XXXX No sort of credit processing was indicated till i electronically submitted to open the account, which action registered a hard inquiry. Though my history secured an approval, the alienation worsened, I realized offer was nothing but a secured loan marketed as a 'Current Visa Debit ', with desirable score-impacts for making reoccurring and on time payments. Inside access to my account currently, beside the creation email disclosure that -'the secured card issuer is Cross River bank XXXX, another disclosure is -'banking services are provided by XXXX XXXX XXXX ' XXXX which XXXX direct deposits ). Now only XXXX in, and I start to wonder when Finco Advance financial technology company became an affiliate for the same or identical product. So here ; you wouldn't need Current any more than your existing secured credit, there's high finance health risks due to unreliable Terms and Conditions, there's increased chance of mistreated applications, plus absent liability. The phone/customer support generally is undependable, and please! however you intend to go about it, actively seek external influence in regard to all offers, perks, promotions etc.
Product: Debt collection

On XX/XX/2022 I received a letter by Receivables Solution attempting to use the Setoff Debt Collection Act to seize my taxes on time barred debt. When I protested about the letter because it was dated XX/XX/2022, I received response that 30 day limit was expired and that my protest was denied. Along with the response was copy of bills which showed that statute of limitations was expired for taking legal action against medical debt in SC pursuant SC 15-3-530. In review of the Setoff Debt Collection Act SC 12-56, nothing within the statute can be construed to make void either the State Statute or Federal Statutes in collection of debt. The SCDOR administrates the act and clearly and explicitly state " The SCDOR does not impose an age limit on debt received from claimant agencies. However, claimant agencies are required to follow any state or federal regulations imposed on their agency 's collection practices. For example, if federal regulations state that housing authorities can not actively collect on debts older than 12 years, then housing authorities can not submit debts over 12 years old to the SCDOR for Setoff Debt or GEAR participation. '' Therefore collection of medical debt is limited to three years and any action would be construed as illegal pursuant to SC Law. 1006.26 makes it illegal for a debt collector to bring a legal action against a consumer for time barred debt. Receivables also has violated the Fair Debt Collection Act 1692-1692 p furnishing false information to the consumer by not listing its name and address on the envelope or letter. The debt collector also has failed to give consumer notice that the communication was from a debt collector. Furthermore, XXXX XXXX XXXX has failed to provide due process by not following the required notifications to SCDOR that a protest has been filed and setting up a hearing date. 

Please note that exhibit rec-lex page 1 list XXXX XXXX XXXX XXXX and not Receivables Solution as noted in calling numbers listed on letter XXXX and XXXX -- see attache XXXX and also have larger recording per request of other listed on letter. See Bad Debt Policy which explicitly states that debt collection over 120 days is handled by outside debt collector. See also screen shots from SCDOR website ~ https : //dor.sc.gov/about/setoff-debt-and-gear ~ defining statute of policy in collection of debt including time barred debt and notice requirements for due process when protest filed. NOTE : XXXX includes all communication involving this including letter to be sent after filing complaint -- shows initial letter, protest, denial of protest with list of debt showing time barred debt. Screen shot below includes SC Statute of medical debt.
Product: Credit reporting or other personal consumer reports

On XXXX - CFPB responded that this credit bureaue is working on my dispute. Since then I have not received any communication from the credit bureau. It is over XXXX  days approaching XXXX  days. 

I even tried calling the experian today XX/XX/27 and the representative was of no assistance at all. 

These inquiries are unauthorized and they still remain on my credit report. Either this company shows me a written signed consent for the inquiries or I will take them to small claims court for {$1000.00} each inquiry.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

They open and spend a credit card with a XXXX dollars limit
Product: Debt collection

XXXX XXXX is attempting to collect {$830.00} from me for services at XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX for dates XX/XX/XXXX - XX/XX/XXXX. 
I do not live in XXXX XXXX, Nevada. I live in California and have lived here all of my life. 
Berlin Wheeler , Inc. is the Collection agency. 
There has never been an attempt to collect this money from me. I just happened to check my credit score which was over XXXX before these collections showed up on my credit report. 
I am a XXXX XXXX XXXX and have been for almost 4 years in the state of California. I run my business from XXXX XXXX. I have had a background check every year for the last 4 years. All background checks show California as my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX , XXXX XXXX XXXX Account XXXX XXXX, And 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.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

lvnv funding llc is reporting on my credit reports that I owe a debt of {$130.00} opened on XXXX XXXX XXXX.i believe this debt is not mine and they should be taken off my report immediately.i have sent a verification of debt letter and have waited patiently for a response and still have not received anything.I have tried calling and got nowhere.original creditor on report says XXXX XXXX XXXX XXXX XXXX I have no idea what that is. I HAVE TRIED CALLING AND WRITING lvnv funding several times I have tried looking up address 's and there are several in several different statesthese are some addresses I have triedLVNV FUNDING LLCP.O BOX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV Funding LLCP.O. Box XXXX XXXX, XXXX XXXX LVNV Funding, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX have also read on internet and several forums that lvnv llc is the same as ressurgence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a few disputes to XXXX XXXX XXXX XXXX 2 accounts in reference to the erroneous, inaccurate and Non-Compliant information that is being reported on my credit report. I have sent in a copy of the credit report showing all the inaccurate information that is being reported and it is still being verified. So, this just let me know that no investigation is being done. The last dispute that was sent in is when I noticed that the account was closed and they are still reporting CO in the 2year payment history. One account is charged off in the amount of {$10000.00} and the other is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Focus Receivables Management is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.
Product: Debt collection

" I'm XXXX about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Checking or savings account

XX/XX/year> I was notified of account restriction, i called and asked Why is my account restricted? The response was : they are investigating ; I have no access to my paycheck. The bank has blocked me from taking out my paycheck out of the account, I can't pay my rent, my school fee or purchase food or pay my car note.
Product: Mortgage

In XX/XX/XXXX, Mr. Cooper took over servicing my loan from XXXX XXXX XXXX ( in other words, I did not choose Mr. Cooper ). I received in the mail from Mr. Cooper the " Escrow Review Statement '' which shows a shortage of {$680000.00}. The cause of this is an error by Mr. Cooper which assessed {$18000.00} annual property taxes on my 957 sqft condo when the taxes in XXXX were ~ {$5800.00}. I called the the first week of XXXX and brought the error to the attention of Mr. Cooper customer service person # 1. She indicated that it would be resolved well in advance of XX/XX/XXXX mortgage payment. Yesterday, XX/XX/XXXX, I received a notice from the town that my property taxes are delinquent and started assessing interest on the amount. I called Mr. Cooper customer service # 2. The first issue of the over assessed taxes is not resolved and now I have Mr. Cooper addressing why my property taxes have not been paid. I was promised a call back from Mr. Cooper 's tax group, this morning at XXXX, XX/XX/XXXX. No one called back so I called Mr. Cooper customer service # 3 to request that these errors be addressed with urgency. The best that # 3 could offer is a resolution date of XX/XX/XXXX and that I need to pay the excess interest into escrow to avoid penalties and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX  XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX  30 days past due XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I received a letter in the mail on XX/XX/XXXX informing me I owed a debt {$600.00} to XXXX. The same day I sent a written request via their website for proof of debt. I additionally called them. I finally received the " proof '' via email on XX/XX/XXXX from XXXX XXXX. In the email was one attached document showing my receipt from XXXX showing I paid. I called the next day to ask how this showed I owed money when I believed it showed I paid XXXX. After being on the phone for a while they disconnected the call. I followed up with an email to XXXX, but have not heard back. Now this debt collection is reporting to my credit score and negatively impacting me for a debt I do not believe I owe.
Product: Mortgage

We fell behind on our house payment due to me getting sick with XXXX and having to have XXXX and XXXX treatments. I was out of work for over a year. They started foreclosure activity. we tried to do deferments of the loan or modification of the loan, with no luck due to not enough income, and said we were not eligeable for deferment of house payments due to unemployment. We were also told that we could not appeal the decision which the letter from the bank stated we had 30 days to appeal and we tried to appeal 3 days after the letter. We resubmitted our request for modification and was told that when they were reviewing the modification request that all foreclosure activity would stop until they had an answer. 3 days later XXXX XXXX called and said that they were going to proceed with the foreclosure and the sale of the house even while they were making a decision on the modification while it was in review. We still continued to receive letters stating that they would have an answer on the modification by XXXX XXXX. The house had already gone up on forclosure and has been listed on auctions.com I called the lawyer that represent citi XXXX XXXX XXXX and was told that citi has so many different departments and they do not communicate with each other, that our house was on hold for the forclosure sale. Still being listed on XXXX for auction.