23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I refuse to pay any debt to XXXX XXXX XXXX account # : XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of Metro2 compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States XXXX XXXX XXXX XXXX XXXX North Carolina.
Product: Credit card or prepaid card

Received my statement email saying their was no payment due this billing cycle and no indication that their was a revolving balance. I always have paid on time and in full. Found out, there was a balance and was charged {$100.00} in interest. After I found out two days later, I immediately paid in full and after the customer service rep having spend 5 minutes explaining to me why I received an email that said no payment due, they said I still owe the interest. This is intentionally misleading and they should be ashamed to conduct business this way. I will no longer use this card as it's clear they'll use every tactic to charge you interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a certified letter to your company regarding inaccurate reporting from your credit bureau. Your company received my certified letter on XX/XX/2020. My report still contains unauthorized information. Please refer to my documentation.
Product: Checking or savings account

My Name is XXXX XXXX XXXX XXXX and I desperately need your agency intervention with my bank XXXX and XXXX XXXX On XX/XX/2019, I was on the XXXX  app and seen an XXXX XXXX for sale and offered {$400.00} for the phone and {$5.00} shipping. The seller accepted my bid and asked me to pay her through XXXX pay which I did. She told me she would send the XXXX out immediately priority mail once funds cleared. I used my BBVA debit visa card for this purchase. 

What happened next shocked me because the seller sent me an expired offer notice and kept my {$400.00} in funds. Would not answer messages sent and next she had the nerve to relist the same product to defraud more victims. I put a complaint about fraud into XXXX XXXX and they denied me could not believe this. Next, I filed a claim with BBVA my bank and they took 11 days to tell me my claim was denied. They said since I paid through XXXXXXXX XXXX  their hands are tied and that I'm out {$400.00}. This should be illegal banking practices as my card is protected by fraud. BBVA is the worst bank ever as they do not protect their consumers for fraud. 

I have emails, pictures, and evidence that I can provide your agency that clearly show this is a fraudulent transaction that must be covered by BBVA. I formally request your agencies intervention to assist me in getting my funds back as I'm on a fixed income. 

Thank you in advance for your time, consideration, and assistance in resolving this fraud. 

Sincerey, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX, CA XXXX
Product: Debt collection

On XXXX someone fraudulently started online gambling accounts at XXXX  and made XXXX  withdrawals for a total of XXXX from my bank account. I immediately noticed it and contacted the casino and my bank. I also filled a complaint with the Pennsylvania XXXX XXXX XXXX  who has reached out to the casino who verified the account was fraud and I am not liable for the debit anymore. I was told by the PA XXXX XXXX XXXX to contact the debt collection company and they will verify with the casino I am not liable for the debit and it will be removed. A police report was also filed on XX/XX/XXXX with the XXXX XXXX Police department for Identity theft.
Product: Vehicle loan or lease

I have an auto loan through Santander Consumer XXXX XXXX. This COVID Pandemic is really taking and effect on me. I am continually out of work. As you know when you are exposed you have no choice then to quarantine. I am a XXXX XXXX, and the job market was a mess before covid. I told them I am finally back to work now with a permanent company that will keep me on for a while. I asked them to give me a deferment so I can be on an even playing field. They said I was eligible for a loan modification and then denied me for no reason. Said I had too many. I cant control how bad covid is in XXXX XXXX  XXXX. I am willing to make sure that I am on time from now on. Now that I am back to work. I need the loan modified to become current so that I can be in the current status and not have my car repo 'd.
Product: Checking or savings account

Account was locked//frozen when I attempted to transfer my money off of the debit card. I attempted to email and chat with customer associates. I also called. No one could give me a reason my account was frozen or the correct ways to unfreeze it. The manager responded it is out of her hands even! As a private practice XXXX, my clients trusted this Platform when they sent their payments and copayments to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. ( I have attached the documentation of settlement for reference. ) I am continued to be harassed by the creditor telling me they do not do settlements and that I still am responsible for the remaining balance which is not true and is still reporting in error. It is a violation of the Fair Debt Collection Practices Act - which is a Federal Law that limits the behavior an actions of a third-party debt collections who are attempting to collect debts on behalf of another person or entity. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

Contacted by XXXX XXXX - Phone No. ( XXXX ) XXXX - Regarding a debt from Washington Mutual- later Chase, from 2010. This debt was Discharged in Bankruptcy Case No XXXX - Eastern District of CA. - XXXX XXXX, Which I sent them on their " Chat Box ''. This was the only way to communicate with them - Could not talk to a Rep., Could not fax, could not e-mail. The only option was to pay all or installment amounts on their website. I later received another call from them after sending them this communication. I blocked their number on my phone, but I am concerned that they may try to proceed with some type of collection action. 

I have attached copies of my Bankruptcy info, for your review.
Product: Credit card or prepaid card

Someone applied for a card using my name and social security at an address that I haven't lived at for over 10 years without having to prove that they were me
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( e ) Limitation of liability Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ 2 ] except as to false information furnished with malice or willful intent to injure such consumer on such date acccounts have been open since XXXX  I will attach identity theft report but the credit bureau have yet to correct addresses and account the where open illegally
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 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 has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Debt collection

IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

The mortgage company didnt make the correct property tax payment that was specified on the closing disclosure for the escrow and are now requesting us to pay it, when the mistake was made on their end a few years ago and are just now bringing it up. They wont give me any explanation other than taxes and insurance is increasing, but there is no reason we should be short {$8500.00} on a {$150000.00} loan.
Product: Mortgage

I request via certified Mail in XX/XX/XXXX a BENEFICIARY REQUEST STATMENT pursuant CA Civil code 2943 in regards this mortgage Account to the Beneficiary, Investor, Owner of my property BANK OF AMERICA. In the letter I explained my grievances having with its Servicer in using Fabricated Fraudulent documents to block my legal proceedings and denying me to get an Affordable Loan Modification, even after I spoke with XXXX XXXX a manager for Bank of America in regards He promised me to have it taking care but his promises felt short. 
I ' m attaching the first response from Bank of America 's Attorney Dated XX/XX/XXXX denying to respond me she attached old responses from XX/XX/XXXX another from XX/XX/XXXX stating BANK OF AMERICA is the only investor and the response from its Servicer XXXX XXXX dated XX/XX/XXXX stating due to a pending litigation they cant provided me an answer, Just for your information the Litigation is an Appeal stage and does not have not issue in regards my letter states " BENEFICIARY STATMENT REQUEST '' it doesn't name no servicer. 
* I did a second Request of the same document last XX/XX/XXXX and Bank of America responded XX/XX/XXXX stating the same response as XX/XX/XXXX. 
( Your system didn't allow me to upload the second request and the Bank America 2nd answer ). 

Bank of America denied to responded me it has concealed information to disclose to me in regards been the Real Beneficiary/investor/Owner in my House property Deed of Trust. I would get Assistance with my Congressman XXXX XXXX to escalate with one of your US Regulators to fully investigate Bank Of America for Concealing to use fraudulent documents and Allowed its Servicer XXXX XXXX using an Unauthorized Trustee " XXXX '' to steal my house in a Foreclosure Sale dated for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After being drastically impacted by the XXXX XXXX pandemic. I reached out to XXXX regarding my auto loan. They offered to place me on a payment plan which I honored. However the system still reported me as late to the credit bureau 's. After speaking with XXXX they advised me this was systematic understanding my concerns but stating that nothing could be done. This is a violation of the Fair Credit Reporting Act. Therefore I'm seeking the removal of the following late payments XXXX & XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX - I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Student loan

Have a loan with a principal balance of {$2500.00} with an interest of 5.500 % which should be accruing interest at about {$11.00}. It is growing by close to {$25.00} a week. When looking at payment history, it is not being shown as they are simply taking off from the principal as I'm paying within 120 days of disbursement. I have sent XXXX emails and sat on the phone for XXXX XXXX  straight one more and then again over a week later. After the payments were made I got an email saying that the payment would be processed differently. Every payment I made led to a confirmation email with my most recent one saying I paid for that specific loan on XXXX, but the Nelnet website says that my last payment was XX/XX/11. I have not been able to get into contact with anyone and have been paying too much money to keep that interest low so it doesn't continue growing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX and a Balance of {$0.00} has been inaccurately reported as never late. I kindly request that TransUnion correct this information to accurately reflect that the account was never late. 
Account Identifier : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX  XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$0.00} is not mine. I request the removal of this account from my credit report. 
Account Identifier : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} The account labeled as XXXX XXXX with Date Opened : XX/XX/XXXX and a Balance of {$4700.00} is inaccurate. The original creditor is XXXX XXXX XXXX, but the collection agency reported is incorrect, as I have no contract with them. The reported Balance of {$4700.00} is inaccurate and higher than the High Balance. I dispute the entire account due to these inaccuracies and request verification of Date Opened and Date of First Delinquency. 
Account Identifier : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurate. The original creditor is XXXX XXXX XXXX, and the reported company on this account is unknown to me. The reported Balance is higher than my recollection, and I dispute the entire account. I request verification of Date Opened and Date of First Delinquency.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Protection Rights On this day I contacted Experian Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX XXXXXXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted Experian to have them unblock the accounts placing item that was once Deleted by Experian to reappear on my Credit Profile causing me XXXX XXXX and to be denied a home loan. 
XXXX Experian Special Services also stated that as a Consumer I do infact have no rights with Experian and that Experian listens to the creditors because that's how Experian makes there money by the creditors paying to use Experian Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which Experian recommended inorder to have XXXX XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

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

I was offered a settlement for the outstanding balance on my vehicle loan through XXXX XXXX XXXX XXXX. There Attorney 's contacted me and we agreed on settlement of the account in the amount of {$2000.00} " Account XXXX. XXXX '' The attorney 's file number is # XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Telephone : ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX. I paid this settlement off on XX/XX/2023. XXXX and XXXX have removed the account as delinquent but Experian keeps saying that XXXX keeps reporting it as a delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA continues to report my student loans as multiple separate loans with varying amounts and dates- all under the same account number - rather than a single account. They have incorrectly reported delinquency days- for example, in one instance it shows 90 days delinquent in XXXX of XXXX but XXXX, XXXX and XXXX are not delinquent. So how can there be a 90 day delinquency? 

MOHELA has refused to recognize my category XXXX XXXX status as determined by the XXXX XXXX XXXX  despite being provided with the information of determination. 

All three NCRAs are showing 7 delinquent accounts on my credit report but without displaying any actual negative or delinquent account. The only exception is these incorrectly reported MOHELA accounts. I have made previous disputes with the NCRAs and it has not been fixed. As of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( my bank ) sent me an alert because XXXX dropped my credit score by more than 50 points in a single day. It would appear that either the NCRAs or MOHELA ( or both ) are getting ahead of the Supreme Court decision and publishing ruinous and incorrect information related to student loans as all other accounts are in good standing and paid on time. 

XXXX has a product it uses with banks, and rarely reflects the same as their other products. They are also the flagship that the other two, XXXX and XXXX, follow for reporting. Attached you can see where my score was dropped by XXXX points with no explanation. It also lists my payment history as a " D '' grade but with no actual negative information attached as I DO NOT have ANY delinquent accounts. Which is confirmed in all three NCRA reports, though all three NCRA agencies are also reporting " 7 delinquent accounts ''.