23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$430.00}
Product: Mortgage

On XXXX XXXX I received a notice of default letter from Fay Servicing LLC with a date on the letter of XXXX XXXX. XXXX days after that a certified letter of the same was put in my mailbox where no signature was even required. The letter is attached in this complaint. I also want to mention the investor of this loan is XXXX and I think they need to know about this as well. 

I was on a previous payment plan paying an astronomical amount of {$5500.00} a month. The plan was for 5 months. The last payment put me in default due to circumstances beyond my control. I never missed one payment over the 4 months. 

I have been trying to contact the account manager- XXXX XXXX XXXX assist in this matter because I am suffering a hardship ( loss of income due to XXXX XXXX ), current law suit from hospital requesting garnishment of wages, and emergency home repair where a furnace needed to be purchased ) All happening in the months of XXXX. I have been sending emails and phone calls with no call or email returned. The back of the default letter page XXXX of XXXX states " WE ARE INTERESTED IN WORKING WITH YOU ..... ''. This could not be further from the truth. I believe they are trying to take my home that I have been in for over 16 years. I WANT TO KEEP MY HOUSE I HAVE NO WHERE TO GO!!!! PLEASE GIVE ME A FINAL OPPORTUNITY!!!! 

While other representatives have answered they are either rude or giving misinformation, threatening ME WITH FORECLOSURE or plain just don't know what they are talking about. That is the purpose of speaking to the account manager. My questions are not addressed to my satisfaction. I DO NOT QUALIFY FOR STATE ASSISTANCE IN MICHIGAN. 

I also sought assistance from a XXXX XXXX XXXX which is a not-for-profit organization which provides resources to help a homeowners who are in danger of foreclosure. I want to mention an Account Manager by the name of XXXX XXXX Fay Servicing XXXX ). On a recorded line with myself, XXXX XXXX of homeowner alliance protection and XXXX, while is was asking a questions pertaining to my mortgage with my permission, she actually joked about my situation. Please listen to the message. The phone conversation was on Monday, XX/XX/22. 

I already know the person who will answer this complaint will say the same thing : WE ARE SORRY YOU EXPERIENCE THIS .... I am tired of hearing that XXXX. Start having compassion for people struggling in a bad economy. They need to train these employees. If you read all of the complaints on the XXXX  and XXXX, thousands of people are being threatened and speaking to unprofessional employees on a daily basis. 

I have the ability to pay and now back to work. I want the opportunity to keep my home.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX was taken from my account 7 times and when I tried to notify cash app they suspended my account and I could no longer use cash app again they tried to say my belonging was taking wit a scam but it wasnt someone stole my phone and was sending my money to another cash app I immediately contacted cash app and they failed me
Product: Credit reporting, credit repair services, or other personal consumer reports

They have bankruptcy on my report its inaccurate!
Product: Credit reporting 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 the 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 Experian and XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the NATURAL PERSON, Creditor, and Applicant, I was denied my right of credit by Lending Point who sent me an adverse action denying me credit on XX/XX/2022 pursuant to 15 USC 1691 ( c ) ( d ). I am submitting this complaint myself and no third party is involved in helping me file this complaint. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Lending Point an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application. I extended an inquiry to CreditkarmaAPI ( Referral Source ) to see potential consumer loan options. Furthermore, that is a Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report which is proof the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof " pursuant to 15 USC 1642. I made an application in good faith. Yet I received no benefit from this credit transaction. Everyone benefited from this transaction except me. It is horrible to me that Lending Point blatantly violates Consumer Protection Laws. Furthermore they did not give specific reasons in their Statement of Reasons ( ECOA and FCRA ). According to 15usc1602 ( p ) XXXX never had my permission to allow Lending Point to view my non-public private information. As a result of the adverse action provided to me I have lost confidence with this elaborate system which congress has tried so hard to protect us from its abuse. For denying me my rights I am entitled to civil damages under 15USC1640 ( a ) up to {$5000.00}.
Product: Debt or credit management

XX/XX/year>. Bright Money debited XXXX from my bank account without my permission
Product: Debt collection

XX/XX/17 sometime around then I purchased a XXXX, long story short I fell short on my payments and they repo it, now that time I owed like XXXX some where around there. So they sold the car at a action for about XXXX XXXX and saying I owe XXXX like I ask to see how much they sold it for because they reporting this and I told them its not right and I need proof what they sold a car Im paying for!
Product: Credit reporting or other personal consumer reports

Dispute XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX : Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and Remarks Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. 
The report shows I was late on above mentioned dates, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. Please find a history of my payments with XXXX XXXX XXXX, indicating no late payments. 
I have attached a copy of my report with the accounts in question circled. 

Dispute XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX, and XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. 
Please find my bank statements from XX/XX/XXXX and XX/XX/XXXX, disputing the charges in question. 
Dispute XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. There are conflicting reports on the accuracy of a false late between on the other 2 credit bureaus as well. 
Please find my bank statements from XX/XX/XXXX, disputing the charges in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize this, I've sent letters as well as called the company multiple times about it and i get hung up on. im highly upset that the pulled my credit without my authorization on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX On XX/XX/XXXX I made payment of {$1000.00} thru PayPal to XXXX XXXX XXXX and purchased a laptop. I haven't received the laptop yet and seller is not responding to me. I did complain the issue to PayPal and PayPal put a lock on the seller 's account but PayPal is not giving me any details not refunding me the money either. 

I would request you to look into this case. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been attempting to open accounts in my name without my authorization or knowledge. All the information on this ID theft report is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from COVID AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Credit reporting or other personal consumer reports

I am disputing a collection on my credit report. I can not determine if the collection rightly belongs to me or what the original date of the first delinquency is because the account has been sold to a third-party collection agency, which has reported its own open date. I have the right to know this account 's original DOFD date.
Product: Student loan

Requested student loan refund from EdFinancial on XX/XX/2022 for the amount of {$6900.00}. After speaking with them several times, they have quoted a refund timeline of 150 business days to a year. Loan balance has not posted back to account and is quoted to take at least one month. This is unacceptable considering other federal student loan servicers are quoting times sub one month.
Product: Debt collection

Comapny is claiming to have filed a court case in the XXXX XXXX XXXX XXXX County State of Georgia and sent false document wIth civil action number XXXX
Product: Checking or savings account

had atm withdrawls happen on my card that i did not authorized, was denied the claim, i did not authorize these withdrawls bank : bank of america company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CASE NUMBER : XXXX
Product: Student loan

Please reference previous complaint # XXXX, the same problems still persist. Since then I have paid in full one of the three loan balances, I have been making additional payments on the next of the three loans with lowest balance. AES continues to misapply my payments as instructed with a letter that accompanies each check. Further, AES insisted that I write a " Standing Payment Instruction '' or SPI for short, a letter that remains on file indicating my specific wishes for how each additional payment I make via mailed check be applied. Please keep in mind that I make regularly scheduled monthly payments by Direct Debit from my checking account, I have done so without a single missed payment since AES took over my loans in XX/XX/XXXX. Since AES received my SPI, which they acknowledged was on file as of XX/XX/XXXX, AES has not only misapplied my additional payments by check, they have also misapplied my regular monthly payments by EFT as well. Essentially, they are doing exactly the OPPOSITE of what my SPI directs them to do. Since the SPI was received by AES, 5 payments have been misapplied in direct contradiction to the SPI, 2 were regular monthly EFT payments and the other 3 were checks sent by mail directed to pay the balance of the subsidized loan balance only. On Thursday XX/XX/XXXX I called AES Customer Service to have the payment reapplied, which they have failed to do in a timely manner. A copy of the SPI letter, the mailed checks with accompanied payment instructions, and the most recent account payment summary is attached. AES has misapplied a total 14 of 23 payments made by check and sent by mail, now also add to that 2 payments made by automatic debit have also been misapplied.
Product: Vehicle loan or lease

I went to buy used vehicle from dealer called XXXX XXXX XXXX  situated at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on XXXX XX/XX/XXXX and decided to buy XXXX XXXX xlt. I applied for auto loan through them and also asked if their company do business with wells Fargo auto because i have had banking with wells Fargo from a long time. I was approved and the finance representative of XXXX XXXX  came up with interest rates of 8.49 % through XXXX XXXX XXXX XXXX and 8.69 % through wells Fargo. I was denied when i asked the rate quote paper showing the rate of interest of both banks. Because of less rate i went with XXXX XXXX XXXX XXXX and signed the loan contract and the vehicle was delivered to me with proper tags and registration. Almost a week later on XXXX of XXXX i got call from dealer to come or stop by to sign some papers those were missed by mistake. I went there to sign but upon reaching i found their was whole new story. They were trying to switch me from XXXX XXXX XXXX to Wells Fargo auto loan because kemba denied few days later for some reason. When i said i do not want to pay higher interest rates then the representative assured me that i will get the same rates as XXXX was giving which was 8.49 % but from different lender. My first original concern was about the dealer who was probably lying to me about the truthful rates of interest and intentionally wanted me to go with their favorite lender because i am wondering how come the wells fargo later agreed to give me lower interest rates but not at first place when i applied the application. Then on XXXX XXXX i went to dealer again and signed the loan contract with wells fargo but surprisingly even at more lower rate which is 7.69 %. 

Secondly the most important concern now is as below : I tried to contact with Wells fargo to get some clarification about my concern and asked them clearly that what was the original rate of interest that wells fargo offered me on XXXX of XXXX. Why the rate of interest are not disclosed to consumer who is paying back. Wells Fargo filed a case under XXXX Complaints Management office. Case number XXXX. But Executive office case specialist named XXXX XXXX tried to ignore the whole concern and did not resolve the case. Suddenly on XXXX of XXXX closed the case without resolving it.
Product: Credit card or prepaid card

Credit card company, Capital One , Inc. allowed its partner, XXXX XXXX XXXX XXXX to steal {$2400.00} from my credit card and {$2100.00} from my adult daughter 's credit card, on separate occasions.
Product: Credit reporting or other personal consumer reports

They have medical bill from hospital on my report and i had insurance and was covered from that visit and when I dispute it, immediately its resolved and remains on it.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. The issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I sent Equifax a police report in XXXX about my identity theft XXXX agency was advised and notified XXXX acct XXXX Charging XXXX XX/XX/16 ... I contacted cfpb about it already they told cfpb that they will remove it but didnt I need it removed
Product: Debt collection

XX/XX/. This company has called me three times today and I called them back and asked them what type of debt this was or what type of company is this and they wont give me the information without verifying my name in the last four of my social. They called me several times last week and they keep calling me, but they wont tell me what kind of debt they collect. I have paid all of my debts. 

XXXX ( XXXX ) XXXX Citizens
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries should not be on my credit card and this is unverified and inaccurate. Need them remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my FCRA rights by reporting and sharing incomplete, inaccurate and invalidated information on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Experian reported a collection account titled " XXXX '' with a balance of {$800.00} that was allegedly open on XX/XX/2021. I have no knowledge of this account and disputed it with Experian. However, Experian stated that XXXX validated the account was mine on XX/XX/XXXX. According to the information reported from XXXX to Experian, XXXX 's address is located at XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX. Thereafter, I sent a debt validation letter to XXXX, which requested documentation for this alleged account and requested XXXX to provide proof that the organization is authorized to collect debt in the state of Ohio. Please see attached for the letter. This letter was received by XXXX on XX/XX/2021 at XXXX XXXX ET. See attachments from the United States Post Office tracking system, which shows the letter was received. As of today, XX/XX/XXXX, XXXX XXXX ET, 30 days have past and a response has not been provided by XXXX. This is a violation to the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Transunion is not allowing me access to my credit report and records of the disputes. When I log into the portal and request free credit report because I am on public assistance and applying for employment within the next 60 days. The portal just continues to deny access to me viewing my credit report and states invalid credentials, but this is not true. would like to be able to see my Credit File Disclosure, freeze status and fraud alert status. I should be able to use the security free and fraud alert function IF I need to, but the website is not giving me any option to do so and when I call Transunion they state there is a " glitch '' in the system. Transunion is in receipt of my current government issued identification and social security number.
Product: Debt collection

XXXX XXXX and TD bank has been sending me collection notices in the amount of {$1200.00} combine the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

To whom this may concern, The company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX send a invoice of {$5400.00} to the ; XXXX XXXX XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, XXXX that i own. This small business has only XXXX employee who is the owner which is myself, also my business only operated in Maryland, which is the place where i live. I never did this transaction, for which im not willing to pay and will go threw other means if needed to resolve this matter. 

i went to local XXXX XXXX  near by where i live in Maryland and I asked if the transaction was real, which he replied it is a real transaction and occurred in the state of XXXX, Georgia and the person who committed this fraud used identification and his name does appear on the invoice i received. I would appreciate if someone please contact me back about this matter thank you.
Product: Mortgage

Dovenmuehle Mortgage became my loan servicer in 2020 following a refinance. The company has been collecting escrow payments for my property taxes. The company sent me emails stating that my property taxes had been paid to the county and local school district. 

Neither taxing authority has received payment despite the fact that Dovenmuehle says it has been sent weeks ago. 

Dovenmuehle has been non-responsive to a XXXX complaint and has failed to provide adequate information to allow me to confirm payments with the taxing authorities.