23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have my mortgage on automatic payment I realized I had more.money then usual in my account and that my mortgage wasn't paid. 
I looked on the site didn't find any mail because I have paperless account With and explanation. 
I called i.was told I am on certified funds. 
I ask what that meant and if something could me mailed to.me with and explanation and directions to.pay I was told that I couldn't be emailed direction but I can directly threw my bank. 
So I attempt to pay twice with check from.my bank that take the money out automatically to send. 
The payment was returned twice. 
I called again I was told no I can only pay by XXXX XXXX but they can.only tell me the code and not send me anything in writing. Now I have late fees because of lack of proper communication.
Product: Vehicle loan or lease

On Wednesday XX/XX/2020, I received a call from Ally Financial Post Bankruptcy Department. I indicated to them that i need and wanted to keep the vehicle and resume making regular monthly payments ( {$670.00} Per Month ) They indicated to me that i would have to make payments of {$1100.00} for the next 4 months and then the payments would resume back to there regular monthly payments or they would repossess the vehicle. Due to COVID-19 we have been on unemployment and with the extra unemployment benefit that expired i am unable to afford {$1100.00} a month with a weeks notice or a threat of repossession. I return to work on XX/XX/2020 and i am behind on all bills, Not just Ally Financial? Ally Auto graciously did a forbearance, But if you did not have the money during the forbearance, How would you have all the money at the end of the forbearance? Also, This vehicle is vital for us to get to and from our jobs starting back up on XXXX after being on unemployment for month 's due to COVID-19 and no fault of our own.
Product: Debt collection

This company ( Consumer Portfolio Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Illinois this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Illinois. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Illinois Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house oXXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent a Method of Verification Letter on XX/XX/2021 by certified mail to XXXX, Equifax, XXXX, XXXX XXXX and XXXX in order to verify such information that is being reported on my credit reports. They received the letters on XX/XX/2021 and XXXX XXXX. I received a letter from XXXX stating they received my letter and provided a break down of the investigation process on XXXX XXXX as a stall tactic. I received no response from any other bureau. I also have not received any investigation results from XXXX. It has been over XXXX days since my receipt of my first letter sent to each bureau. I have also sent a second letter by mail on XX/XX/2021 as a follow up letter to each credit bureau.Consumers have the right to request a method of verification if they believe the item was not investigated properly. Also According to the FCRA Rules, FCRA 623 ( bX2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received no response XXXX after the receipt of my certified mail, one can assume that there was no investigation into the matter. I plan to purchase a home later this year and having this alleged bankruptcy on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original XXXX of XXXX XXXX. I contacted the courts and they stated they did not provide any information to the bureaus so how was this verified? This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX 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: 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/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 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: Credit card or prepaid card

USAA CONFIRMS NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM see attatched XX/XX/XXXX.?????? USAA DOES NOT PROVIDE FRAUD CREDITS BECAUSE *NO FRAUD OCCURRED. see attatched XX/XX/XXXX Transactions Security Adjustment. XXXXCREDIT REVERSALS BEGIN ON THIS ACCOUNT XXXX????? USAA REVERSES {$160.00} CREDITS. XX/XX/XXXX. How can usaa CONFIRM NO FRAUD ON ACCOUNT?? Then CLEARLY, REVERSED CREDITS ARE MERCHANTS NOT USAAs.
Product: Mortgage

They're trying to get me to refinance. I told them I wasn't interested we were going to sell but they continue to call a couple of times a day. An example of calls per day is!. Call at XXXX XXXX   XX/XX/XXXX 2. Call XXXX pm XX/XX/XXXX 3. Call XXXX pm XX/XX/XXXX 4. Call XXXX XX/XX/XXXX 5. Call 3 XXXX XX/XX/XXXX 6. Call XXXX XX/XX/XXXX 7. Call XXXX XX/XX/XXXX 3
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST XXXX, XXXX, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.
Product: Checking or savings account

US Bank sent notification in their XX/XX/XXXX statement that a $ XXXX monthly fee would apply beginning XX/XX/XXXX. I could avoid this charge if I maintained a {$300.00} minimum daily ledger balance. 
On XX/XX/XXXX, I deposited funds to bring my balance to {$310.00}. Therefore, my minimum daily ledger balance since XX/XX/XXXX was over {$300.00}. 
They took the {$4.00} service charge anyway on XX/XX/XXXX, stating that the minimum balance was {$260.00}, which was the minimum balance prior to XX/XX/XXXX. 
If the minimum daily balance requirement applied beginning at the start of my statement period ( XX/XX/XXXX ), it should have been stated as such. 

The {$4.00} is not the issue - if they did this to me, they did it to thousands of other consumers. The {$4.00} may be a bigger issue for them, and they may not have the wherewithal to fight it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX debt account as incorrect and XXXX XXXX has confirmed they can't verify dept. and agreed to remove item from credit report. Because this account can not be verified please remove from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen instructions
Product: Bank account or service

I opened a Citigold checking account with Citibank on XXXX/XXXX/16. I used an offer that had been extended by Citibank for XXXX Thank You points after meeting the criteria of performing a bill pay 2 seperate months within 60 days of opening the account. I met these conditions and confirmed with a Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I had met all the requirements to receive the promotion. After waiting several months, I was told by a different Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I would not be getting the bonus and that an " investigation '' would occur to see what the problem was. On XXXX/XXXX/16 after the investigation was denied, I was told by another representative ( XXXX ) that I was declined because I could not produce any original paperwork of the offer that Citi already confirmed I was eligible for on XXXX/XXXX/16.
Product: Debt collection

on XXXX XXXX, I received at my private residence, a debt collection letter from a company named credit control. I have never done any business with this company, I haven ever authorized them to contact me. They are sending harassing letter about a debt I do not owe. This has caused me great stress as I do not know how much information they have on me. Why they have this information and who are they furnishing this incorrect but also PRIVATE information to.
Product: Credit card or prepaid card

Looking at my credit report on XX/XX/23 and there was a hard inquiry to Chase bank/ JPMCB card service. I called them the same day and they were able to reject the application under my name and information and the following day ( XX/XX/23 ) there were another 2 applications to the same company under false pretenses. I called them again and they were able to reject those two as well. I have also since called the three credit Bureau and was able to freeze all three of my accounts. No money was taken that I am aware of at this point.
Product: Mortgage

A payment was made by the property management company handling my account on my behalf. The payment was made on XX/XX/XXXX. I was notified by my mortgage company that may payment had not been made and that I was going to have a negative mark on my credit if it was not resolved. 

I immediately reached out to my property manager who confirmed that the payment was made, and that the check was cashed by the mortgage company. In good faith they made a payment immediately and reached out to the mortgage company XX/XX/XXXX. Since then we have received the run around from the mortgage company, and have spent countless hours on hold, being told it is being looked into. They do acknowledge the check being received but at this time unable to locate where the funds are. We have talked to several supervisors, and each of them promise to get this resolved within 24-48 hours, and then they no longer return our calls. 

As of today XX/XX/XXXX, this issue has yet to be resolved, and we are no closer to this issue being taken care of.
Product: Checking or savings account

I was working Monday morning XX/XX/year>, looked at my so-fi account and noticed there was no money in my checking account, all my money had been stolen. Contacted So-Fi right away and told me they couldnt do anything about the {$860.00} that were fraudulently stolen from an atm since the unauthorized withdrawal went through. I was not even provided with an alert that my card was being used in a different XXXX, or more so being completely wiped to {$0.00}. They filed a dispute, and did a more or so 24 hour brief investigation. They stated the card was being used at a cvs atm and whoever stole my money had my card and pin. No video evidence was provided or extensive investigation. They pretty much pointed out the obvious on why I called to dispute the unauthorized withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I filed a complaint with cfpb about truist and failing to apply a payment I made on a credit card they still havent applied this payment. I also told them to stop calling me unles it was in regard to this payment. 
They have called me 2 to 3 times a day and its not even about the payment they have upped the harassment calls.
Product: Credit reporting or other personal consumer reports

Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.May XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMay XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX my letter was sent certified to XXXX XXXX to verify and validate three debts reporting on my credit report. I sent the letter to the address that is shown on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee. The letter was returned back to me which leads me to believe the address reporting for the company is incorrect. It is not acceptable to have a company reporting multiple insulting debts and I do not have the ability to make sure the debt is validated.
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit file regarding XXXX, XXXX XXXX, XXXX, XXXX XXXX  even though the accounts were settled, charged off ( considered income ), info for debt that was paid by insurance and selling the vehicle for more than actual debt ( minus interest on closed account ). They even have debt that was garnished and paid in full. So fraud is being committed by trying to collect on dead debt. I am XXXX and can't get a loan to fix my house up because these inaccuracies affect my score immensely. Furthermore, I had my chapter XXXX bankruptcy voluntarily dismissed because these inaccuracies and I can no longer work. And it seemed fruitless since my credit report continually was inaccurate. I have tried several times to dispute inaccuracies to no avail. Their dispute investigations are fruitless and not completed thoroughly.
Product: Credit card or prepaid card

I usually pay this credit card in person at the store, and due to the COVID-19 Pandemic it was not possible. The website is not working, and when I log in it tells me that my user and password are not valid. After repeated attempt, I submitted my payment over the phone the same due date. After paying my balance in full on the due date, the next day I was charged a late payment fee with interest added. My previous balance {$37.00}, paid in full, assessed late fee of {$27.00}, and added interest of {$1.00}. 
The online website is not user friendly and does not easily allow me to sign in and pay online, I explained the software system problem to Victoria 's Secret credit card and spoke to all those in charge about this system problem and all of them refused to help me. 
Please help me.
Product: Vehicle loan or lease

The customer, which is me, thought that autopay was set up in XX/XX/2023 after the vehicle was leased. He connected his bank account for the first lease payment and expected that this account would continue to be debited for the duration of the lease. Instead, auto payment was not set up and as a result payments were not made. Although Mazda sent paper statements, it never used the customer 's email address or cell phone number to communicate that payments were past due. As a result, the customer did not become aware of past due payments until he received an alert from his credit monitoring service at which point he made the payments immediately. Mazda should have notified the customer in an effective manner upon the first missed payment, especially on a new account. Failure to do so resulted in a decrease in the customers credit rating and material damage to the customer.