23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfields is the company they are the 3rd party company that was sold the debt I have court paperwork showing no money was to be exchanged just released of the property and the original company is now involved in a lawsuit in Texas because of charging fraud rental prices I'm a XXXX veteran and this debt is affecting my ability to get into a living center for help which is what I'm needing please help me I just had XXXX XXXX XXXX in XXXX and I don't want to be homeless and this is HURTING ME SO Bad no matter what I try to do to build my credit up so I can get into a XXXX XXXX thank you for your help This was during XXXX XX/XX/XXXX is when property was returned and XX/XX/XXXX was when I first moved in...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Docket Number 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: Student loan

In XXXX, and again in XXXX, I sent paperwork to Navient for loan forgiveness, based on the fact that I have XXXX full time, XXXX XXXX, in XXXX XXXX for over 20 years. I definitely qualify for loan forgiveness, based on this fact. The first time I tried, they denied me. The second time, they ignored me. They are still billing me for XXXX, in spite of the fact that I have made regular monthly payments for many years. I'm sure I've paid off what I borrowed, however the interest has made it impossible to keep up. 
I believe they are hoping I will just give up, but I know I have earned the loan forgiveness for teaching special education.
Product: Debt collection

I received a copy of my credit report from all 3 bureaus ; XXXX, XXXX, & XXXX. I noticed that there was a collection account listed from Calvary Portfolio Services. I immediately sent them a debt validation letter. I received a letter back stating they received my request but my request didnt have specific facts for them to investigate. In return, I sent them a letter stating since they can not verify this debt, then by all means they have to delete it. They were trying to use a stall tactic. The day I sent out my 2nd letter, I received another letter from them stating they verified this debt and that it is in fact mine with an attached monthly billing statement from 2018. This does not constitute proper validation. They still have not deleted the unverified debt & tare still continuing to report it to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent a letter to Early Warning in reference to opt out of sharing my personal information to creditors or financial institutions. I have to right to opt out as a consumer. Early Warning has violated 15 USC 6802 Disclosure of Personal information.Besides due to data breach I have been a victim of identity fraud and I have been harass by different banks and debt collectors for debt I have no knowledge about and Early Warning are making my life a living hell.
Product: Student loan

I am experiencing financial hardship and requested a refund on all 13 payments to EdFinancial Services during the freeze period for my students loans. The company claimed it will take over 6 months to process the refund which does not help with my current financial need. They also ignored my email request so I had to wait a long time to get through to a customer service representative who informed me it would not be processed for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.
Product: Checking or savings account

In XXXX I deposited two insurance checks into a Money Market Savings account in XXXX   XXXX. Money began to be removed from the account other than me requesting the removal. A year later in XX/XX/XXXX the account was empty. I have used lawyers, and other legal agencies and each time the avenues I used would look into my case and they were told the case was closed when in fact I never was told anything or even sat down with any bank official with my bank papers and explained the numbers. Not one bank official called me to ask if I considered my case to be closed. 
It appears a bank manager at XXXX XXXX / Chase bank in XXXX, Ohio took it upon himself to say without investigating my story that my case was closed.
Product: Credit card or prepaid card

My US Bank XXXX rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.
Product: Debt collection

On XX/XX/2021, I called National Credit Adjusters reference two account that were transfer to their company from XXXX XXXX XXXX  XXXX  XXXX. The two credit accounts one has a balance of {$400.00} and the another account has balance of {$420.00}. The two credit accounts were charge off and National Credit Adjuster is reporting the two accounts to the credit bureaus with an balance of XXXX for one account and {$420.00} for the another account. 

Furthermore, National Credit Adjusters have continual to call my job several time at XXXX XXXX XXXX XXXX, and I asked the company not to call me at work, but they continue to call me at work.
Product: Credit card

Account name THE HOME DEPOTXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2024 Status Closed. {$100.00} past due as of XX/XX/2024. 
Status updated XX/XX/2024 XXXX {$160.00} Home Depot Card Dispute 1. I was Promised a {$100.00} discount to open a new account with Home Depot Credit 2. I contacted the credit department twice and I was told that I would receive a {$100.00} discount on the purchase of a vanity.

3. The amount including tax was {$1000.00} roughly, this qualifies for the discount offered.

4. Home Depot Credit Card refuse to honor {$100.00} and only discounted {$50.00} because tax was not included in the credit. ( this was not told to me before the pourchase ) 5. I immediately paid in full for the vanity minus {$50.00} credit I was promised and closed the account.

6. This is a bait and switch tactic used on the consumer and now from a {$50.00} balance the interest has balloon to {$160.00}.

7. I believe that this is a misleading advertising used by Home Depot and I request to cancel my balance and drop these ridiculous fake charges I PAID IN FULL and closed the account the balance should be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. XXXX is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft when my data was stolen from Equifax on XX/XX/XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX on XX/XX/XXXX. The account number given to me by XXXX XXXX is XXXX. 
The claim filed against me on XX/XX/XXXX, was issued by XXXX XXXX XXXX XXXX for the amount of XXXX XXXX.After numerous calls to XXXX, and their refusal to help, they referred me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, report number XXXX. 
I have also filed a report with the www.identitytheft.gov
Product: Debt collection

I have contacted the company regarding the medical debt for XXXX that does not belong to me. I have contacted them twice concerning the issue to no avail. It is apparent that the debt is not mine but the continue to try and collect it. Even in the paperwork they sent on XX/XX/XXXX Account # XXXX and XXXX XXXX. The DOB clearly shows XX/XX/XXXX and a insurance company of XXXX  XXXX XXXX TX which neither are mine. Also the testing was performed in NC I live in TX. I have been denied credit because of this incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I do not want to have this erroneous information in my report
Product: Mortgage

Chase Bank - Mortgage for Investment property. 

Chase forced me to pay {$2300.00} in fraudulent charges before approving my mortgage on XX/XX/2022. The bank did not disclose that all collections charges ( even in the situations of identity fraud ) needs to be paid before they can approve a mortgage during the sales and approval process. Only before 10 days from closing date, they instructed me to pay one of the charges and provide dispute report for another charge. Then 1 day before closing, the mortgage team came back to me asking to pay the other charge, else they would not close the loan. They essentially held me hostage - either I pay for the fraudulent charge, or I let go my earnest money ( $ XXXX ) + appraisal fee ( {$550.00} ) + insurance fee ( {$450.00} ) and not close the house. 

When asked about the related policy and disclosure document, Chase mortgage declined to provide the necessary document- they mentioned it got escalated to executive office, I never heard back from them. I know that there is no XXXX XXXX guideline for making all collections payment to get mortgage loan - I closed another investment property in XXXX, 2022 with a different financial services company and they did not require it- they just needed the dispute document.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( TransUnion, XXXX, and XXXX ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally started to look throughly into my credit report and I noted unauthrized and fraudulent accounts posted on my report. I can't even get a credit card of my own because of this. These accounts opened due to identity theft is hindering and I need this taken care of ASAP, this isnt fair. Attached are my identification documents, verification of address, identity theft report, credit report and a list of the fraudulent accounts that were posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was put on my credit report without my knowledge or my permission this information is incorrect and outdated violations of my rights was committed
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 : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 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 ) 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: Checking or savings account

I purchased a game console in Pennsylvania called XXXX XXXX  I returned the game and provided the company with tracking info and was still charged I had disputed it and was giving the money back I sented product back but still got charged then I bought a couch from XXXX XXXX but XXXX a single mother of XXXX I couldnt drag it upstairs I called XXXX XXXX back and I disputed the charge and recieved the money back and was still charged Ive never gotten the product cause I couldnt get help to dragg it upstairs this bank I was banking with was bank of Americas so the companies kept my money and Bank of America closed my account and kept my additional funds that was inside XXXX
Product: Money transfer, virtual currency, or money service

Tried to buy 2 tickets to an XXXX game through XXXX. 

Found a guy, gave me a name, email address and i sent the money via XXXX. He then stopped all communication
Product: Checking or savings account

Transferred $ XXXX from a personal checking account at a financial institution ( XXXX XXXX  ) to a savings account at Citizens Access Bank  on XX/XX/2023. Money debited from personal checking account at XXXX XXXX on XX/XX/2023 and listed in " account balance '' of savings account at Citizens Access Bank on XX/XX/2023. On XX/XX/2023, tried to move {$50000.00} from the online version and Citizens Access Bank XXXX app to checking account at XXXX XXXX for downpayment on a large purchase. Unable to move the money as it is not available to be transferred ; tried calling Citizens Access Bank to ask about issues ; told by multiple customer representatives there is a 5-business day hold on it due to security concerns. 
Was asked to review the Deposit Account Agreement by a customer service representative and found the following condition : Five-Day Availability : Funds credited to your account as a result of XXXX debits originated by you with us will generally be made available on the 5th Business Day after the Business Day of your deposit. Asked for an exception as the policy states " generally '' availabe but told it was not possible.
Product: Mortgage

My complaint is that Renasant Bank could not or would not answer my questions concerning providing proof of sufficient flood insurance coverage for my condo A letter from Renasant Bank dated XX/XX/XXXX states that I need to provide additional food insurance or they will purchase a policy to cover, which will increase my monthly mortgage payment. However, they did not state the minimum requirements, therefore I cant due diligently obtain their minimum requirements. 
I called numerous times today XX/XX/XXXX asking for help and was passed around several times and mostly back to the automated system which doesnt tell me anything. I finally asked one of their representatives to stay on the line until I get to the right person to help. He also was led to the wrong departments as well. The Renasant representative finally sent me to FEMA Map & Insurance exchange, XXXX, file # XXXX. FEMA sent me to the Federal Reserves Board, XXXX and they sent me to the appropriate agency which now I am lodging a complaint with CFPB. 
All Im asking for someone to explain to me exactly what the gap is and other questions so that I can be compliant Note that Renasant has all the attachments in this complaint Additionally, the website provide comes up as a potential security Risk so I was unable to pull any information concerning this issue
Product: Credit card

On XX/XX/XXXX a letter was sent to AMERICAN EXPRESS informing them of furnishing inaccurate and incorrect information to my consumer report with multiple reporting agencies. Again on XX/XX/XXXX a letter was sent regarding the accounts and the reporting of such inaccurate information. On XX/XX/XXXX a lawful notice was sent to AMERICAN EXPRESS to request Specific documents for IRS filings and have been denied these documents from the company, more specific the 1099-C, FR- 2046, I-9, along with a few others. However, AMERICAN EXPRESS charged off the accounts and filed a 1099c claim with the IRS then refuse to give me a copy at my request. 

American Express they claimed that they were not paid! but my consumer report shows that they were paid, ( by being charged off ). Not only are they refusing to give me a copy of the 1099c so that I can claim it as income they are also refusing to remove the accounts from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when I received a notification on XX/XX/2023 because my profile information on my Experian account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted Experian about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my Experian account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with XXXX on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called XXXX on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.
Product: Credit reporting or other personal consumer reports

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8300.00} XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX