23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original debt was with XXXX which was in XXXX XXXX new debt collector purchased the debt in XX/XX/2019 and hasnt sent me a contract I have with the new debt collector with my signed signature validating my debt I have with the new debt collector. Ive been asking for proof for about 2 years now and all they can send me is a contract I have with the original creditor. The debt owed was {$9600.00} and the new debt collector is adding interest fees and late payments when Im not even aware of this debt with them.
Product: Credit reporting or other personal consumer reports

I have not received any response from the Bureaus even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. But unfortunaetly it has been over XXXX days and no accounts was updated.
Product: Checking or savings account

I deposited my COVID-19 stimulus check worth {$1200.00} on XX/XX/2020, and the check was approved on XX/XX/2020. As of XX/XX/2020, the funds from the check were not available. 

I contacted Barclays to let them know that a Federal Treasury check meant they had to have funds available on the next day following a deposit. This statement is in accordance with the next-day availability requirement in Regulation CC and section 229.10 ( c ) of the Expedited Funds Availability Act. 

However, Barclays told me they would make me wait for five business days before they would make the funds available.
Product: Money transfer, virtual currency, or money service

I received a text, from the Citibank phone number as I usually do when an unauthorized transaction has occurred so I respond as I usually do, then the Citibank number called me, later to find out these people are generating the exact phone numbers on the card itself, the person did a wire transfer and took everything I had {$1100.00}, this person banks at XXXX XXXX XXXXXXXX, I spoke with XXXX XXXX XXXXXXXX they couldnt give me much info since I dont bank with them, I dont believe Citibank is working hard enough for me to retrieve my funds back, they dont even want to give me my funds back, Ive been with Citibank way too long to be treated like I have re opened the case 3 times I also do have a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Please refer to companies and account number below. 


XXXX  XXXX  XXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out the loan on line on XX/XX/XXXX, I was ensigning the documents with gentleman on the phone. The process was very quick, I only had to change my address on my bank account. 
The amount was XXXX. They put {$620.00} into my account on XX/XX/XXXX. On XX/XX/XXXX. They took out {$95.00}. I called them, because it had only been a week. They told me that I agreed to those terms. I told them that I could not afford that. And would have never taken it out if I had known. 
That would be {$400.00} a month and loan was only XXXX. 
They took out XXXX on following Monday. 
I called on third and told them I would not have money in bank for third Monday. I signed document to hold off one week. 
Now payments have increased to XXXX. 
The loan payoff would be XXXX plus at end of loan. They said I could pay off early without mentalities, However the XXXX plus that I have already paid them would not be included in the amount borrowed ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Synovus Bank is fraudulently reporting that I have an " active loan '' with them. 

I had a loan with Synovus Bank, ( original lender was XXXX XXXX & XXXX ). This loan was charged off on XX/XX/XXXX due to lack of ability to pay at that time. An employee of Synovus, ) XXXX XXXX ), in an attempt to collect the debt " modified the loan in their system '' to show a lower monthly payment with a balloon payment of {$5800.00} in XX/XX/XXXX. She said she was doing this to help me out. I never agreed to such modification! This change showed the account open and every month an additional late payment. 
I tried several times to get Ms. XXXX to report this loan as it should be. That being charged off, no monthly scheduled payment, no balloon payment, and a reporting of a Date of 1st Major Delinquency on my credit report of XX/XX/XXXX, but to no avail. 
After sending a certified letter to the bank president, I was contacted by XXXX XXXX. Through several talks and explanations, he seemed to try to get this reported correctly. In XX/XX/XXXX he did get the late payments removed, but said they added that the plan was being " Paid under a partial payment plan. '' I advised their was NO SUCH PLAN agreed to and that it needs to be removed and the Date of 1st Major Delinquency needs to be corrected. He called me back and said that the 1st Major Delinquency date was corrected and that it would take about a week to remove the " partial payment '' wording. I have left two messages for Mr. XXXX but no reply. 
I pulled my credit file this month. The Date of 1st Major Delinquency is still listed as XX/XX/XXXX, it still says that a payment plan is in effect, and the balloon payment amount has risen to {$19000.00}! 
I feel that Synovus is purposely failing to correct this matter.
Product: Vehicle loan or lease

I need to give some personal financial / health background information previous to this auto loan with Capital One.
 XX/XX/XXXX  filed BK/discharged  XX/XX/XXXX  During process of BK I voluntarily surrendered my car I had at the time. Also during this time I was on CA SDI ( XX/XX/XXXX  ) - made the choice to surrender my car - I was out of work, could n't keep up with payments In  XX/XX/XXXX  I attempted to return to work. I then needed a car this is when I obtained the auto loan from Capital One  XX/XX/XXXX  I was I was placed on total and   XXXX   XXXX   (   XXXX   XXXX   ) through Social Security. Unfortunately this was one month after I received this auto financing through Capital One. I have been struggling since then with my payments.  XX/XX/XXXX  I placed my payments to Cap One on an automatic payment schedule.
<P/>
I am on reduced income causing me to have very little money after I have taken care of my basic necessities I have organized my finances in order to be able to continue with my payments to Cap One ( as stated above ) however the issue now is I am 4 months behind with additional late fees accruing, etc. as well as receiving collection letters informing me they might tack action to repossess. All of this causes additional mental and emotional stress to me which is not healthy for my condition.
<P/>
I will provide any documentation needed to the best of my ability.
<P/>
Thank you.
Product: Credit reporting or other personal consumer reports

Ive been trying to get this information removed from my credit report since XX/XX/XXXX, because its a direct result of XXXX XXXX. I understand that FactorTrust wants me to physically mail my documents, but that is not safe or accessible for me. 

I need someone to help me get this information off my credit report as soon as possible. This is causing me credit denials left and right and is seriously hurting my ability to move forward in life. Im struggling to get approved for anything, and its ruining my financial stability. 

Here is the information that needs to be removed because it is tied to my XXXX  situation : ADDRESSES : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI MI XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX HOME TELEPHONE NUMBERS : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( XXXX ) XXXX EMPLOYERS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX {$75.00} / {$64.00} Balance PAYMENTS Bad Payments {$260.00} What Im Asking For : I just need FactorTrust to work with me and allow me to submit my XXXX XXXX documentation in a way thats actually safe for me. I shouldnt have to physically mail something when Im telling them its not a safe option. This is really affecting my life in a major way, and I need it fixed. 

Can someone please help me get this resolved? Im desperate for this to be taken off my credit report so I can move forward.
Product: Debt collection

D. Scott Carruthers contacted family member regarding a suppose debt. They spoke of personal information and about relatives. Called numerous fmaily members. When called they provided incorrect amount of original debt and the monthly payment that was being paid. Being harrassed and spoke to in an unprofessional manner
Product: Credit reporting or other personal consumer reports

Requesting for account removal or payment history removal. this account has been reporting for 20 years. Well past the 7 to 10 years of history reporting. This account has been removed on XXXX and XXXX due the 20 years. TransUnion is still reporting this account 20 years later. This XXXX XXXX account needs to be removed.
Product: Checking or savings account

Hello, I am very concerned with with the financial institution, Navy Federal Credit Union. There have been several instances such as the one I will describe below but with different amount in regards to different companies I have used. For one example, on XX/XX/XXXX I authorized a payment for {$120.00} at the XXXX XXXX XXXX I was at the front desk when the transaction took place, I was also on my banking app and as I made the payment I watched the amount of money come out of my bank account. I check my app every day and for several days everything looked correct, no money was added and nothing was taken away as I was not using that account during the time frame. I check my account on XX/XX/XXXX and I am negative {$120.00}. I call my institution and ask them why I am in the negatives if my money was taken out at the time of transaction. I was told that when the vendor takes more than 3 days to process, the money goes back on to my card and they still have authorization to take it for up to 60 days. No problem, except the money was never put back on my card. I was charged twice. Again, there have been several situations like the one above with different transaction amounts with different vendors. It is a continuing situation Navy Federal refuses to fix or admit that the original payment never goes back on the account and that I some how end up paying twice for a lot of things.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX D.O.B- XX/XX/XXXX SSN- XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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

MY RIGHTS WERE VIOLATED WITH THESE CREDITORS XXXX XXXX WAS PART OF A CLASS ACTION LAWSUIT I WAS APPART OF FOR THE SPAM CALLS 10 TIMES DAILY MY ACOUNT WAS SOLD TO XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX NEED TO REMOVED OFF MY ACCOUNT CARMAX AUTO FINANCE MISS HANDLED INVESTGATION OF ACCOUNT XXXXXXXX XXXX MY ACCOUNTS WERE compromise XXXX XXXX  cut my cards off without my permission INSTEAD OF REPLACING THEM WITH NEW CARDS INVESTIGATION WAS NOT HANDLED PROPERLY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S.C.1681SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604 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.1681 2 ( A ) ( 1 ) a PERSON SHOULD NOT BE IF YOU ARE 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, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX  Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Kay jewelers Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Vehicle loan or lease

On XXXX XX/XX/XXXX my car was hit a total loss I was told by the dealer if payoff early then the price drop within the 36 months. Well I only had it almost 4 months bought in XX/XX/XXXX which can with a XXXX security to fix it with secure one somehow this was supposed to be 2 different contract but it wasn't it was with Westlake Financial so as this was settled with the insurance company XXXX the company was paid off XXXX plus XXXX down and the XXXX for the months which was XXXX which add to XXXX plus the XXXX on mechanical insurance they keep which not in the contract why they kept it i call they hang up in my face several time. I ask for management never get. They tell me nobody there and most of all it a total loss and still adding interest rate on a car i have no position of .and in the contract it's doesn't show on a total loss they can take the XXXX dollar it states after a year or XXXX mile which I didn't use also so they didn't follow the contract and still adding to my account makes my credit low and didn't put was paid out.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been experiencing hardship due to the loss of the majority of my income during XXXX. I always pay my mortgage by the last day of each month, and this is communicated with the Agents that have the job of contacting me. Wells Fargo calls me daily, and has even started calling on the XXXX of the month even tho my mortgage has a 15 day grace period. I access a late charge after the XXXX of the month which is also paid. They used to only call in the daytime, but recently has started calling as late as XXXX XXXX. The first phone call that is generated in the month I always advise the Agent of my intent to pay in full before the last day of the month, but they continue to harass me on a daily basis.
Product: Credit reporting or other personal consumer reports

have XXXX XXXX reporting on my credit that is not mine and incorrect, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I was a victim of identity theft and I contacted you to investigate these bankruptcys listed on my credit report and I received a response that it was verified with the bankruptcy court, I contacted the courthouse to verify there information release policy the court informed me that they do not provide anyone with a debtors full social number and they do not provide any credit bureau any information about bankruptcy cases, it is quite clear someone lied about verification of this information from court house that is a violation of The fair credit reporting act ( FCRA ) to report inaccurate or unverifiable information on a credit report, I demand these be removed Immediately the XXXX Bankruptcys from my credit report, please respond to me in writing once this removal has been deleted I am send a copy of my identification for my address I have used for past 15 years Thanks
Product: Credit reporting or other personal consumer reports

My kitchen caught on fire and I went and stayed with my grandmother an auntie, whom we all have the same exact name. I told Experian, XXXX, and XXXX that I was only staying with my grandmother an auntie for XXXX weeks and going back home. This was not my address as a visitor and I dont want any of my mail going to my grandmothers house. My address is XXXX XXXX XXXX, XXXX, IL XXXX. The credit bureaus has my address as XXXX XXXX XXXX XXXX IL XXXX. This is how identity theft happens. Also Experian has an address XXXX XXXX Pl XXXX IL, XXXX on my credit report I have never lived at XXXX XXXX Pl in my life.
Product: Debt collection

On XX/XX/2018 Navient attempting to collect a student loan debt. I am listed as an information contact on my husband 's student loan. Navient used the whole day to contact members of my family who have nothing to do with the loan. They called at least 4 family members that I know of and possibly more. This was very upsetting to them and it was an invasion of my privacy. When I called in to tell Navient to never contact members of my family again I was met with pauses and aggression. All they could tell me was it " probably '' won't happen again and the people would have to contact them to get their names put on a do not call list. When I told them the law and how they were not allowed to give 3rd parties any information that would indicate that the call was about collecting a debt and that they weren't allowed to call them more than once, they told me they didn't break any laws. They identified themselves as Navient on the voicemails ( 2 of which I still have as well as a recording of the conversations today ). I asked them to give me an example of what else Navient would be trying to contact someone about other than to try to collect a debt and they were unable to even give me one example. They also told me in order to get names put on a do not call list you must own the phone. I do own two of the phones, but they never went through the process of putting the numbers on a do not call list. I was also told that there wasn't a do not call list by a supervisor. I spoke to 3 people and no one there could tell me what the law was regarding calls to a 3rd party. They just threatened to end the call when they didn't have an answer. My family felt confused and harassed by being called about a matter regarding  someone they have nothing to do with. My family wishes to never be called about this matter again in the future or they will continue to take actions like this or more serious measures. My husband JUST made a payment to Navient on XX/XX/XXXX, so he's not even 2 months behind and these phone calls were harassing.
Product: Debt collection

Please address the attachments. The company did not address the attachments that was sent with the complaint. The violation of the FDCPA are in those attachments. Every response the company gives is slander in me when the company says they did no wrong. There is a letter with the company 's letter head that says the company did wrong. By contract the new service provider are supposed to handle any dispute that occurs. XXXX transfered the loan to their sister company. When I wasn't behind on my mortgage putting me into debt t collections. Which I should not be in. The company is omitting answering and addressing the letter that they sent to me. I provided an notarized transcript of a conversation that the company 's agents was having that is evidence of fraud. When the company say they reached out to me they didn't. This is no the same old complaint as there is evidence of foul play on the company 's part. Please address the attachments if dates are need im sure that all calls where recorded. And the dates aren't hard to find as one of the dates is on the letter sent to me by the company. 1. Will the company address the attachments and do an investigation on the evidence provided.

The company stated there is no evidence of these matters i have provided this before and now I'm doing it again.

2 will the company work with me on a settlement of these issues that occurred and is still injuring me to this day.

3 I have no access to the account and haven't had access to the account for over 6 months. Will I gain full access to the account in question.

4 will the company properly address all allegations and if found that the company was in the wrong. Will the company fix the issue and make me whole. 

5. Will the company cease and desist on the fraud and misleading information an or omitted information to these matters?

Please answer all five questions thanks XXXX XXXX