23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to the Fair Collections and Outsourcing company. I have also reached out to XXXX. The apartment in question has since been bought out and they no longer have access to my rental information from XXXX. When I reached out to the collection agency, I was not only harassed, but gaslight during my entire conversation. They belittled me and threatened to take legal action against me. I asked on multiple occasions to provide proof of said documents but was told that they were not allowed to do so. I filed a dispute with XXXX and followed up with them today and was told that my initial dispute in XXXX, was never fully submitted and they went ahead and filed another one. I told the individual to email me documentation that they are working on the dispute so that I may be able to provide proof to my new apartment complex and have no received an email from XXXX just like back in XXXX. Therefore, I do not believe they are handling this matter seriously and this is in fact in violation of the Fair Debt Collection Practice Act and also the Fair Debt Credit Reporting Act. Therefore, I ask to have this collection removed IMMEDIATELY and my information removed from both companies as well.
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report under 15 USC 1681c-2. Please delete all hard inquiries that were made without my consent. Thank you!
Product: Mortgage

I originally experienced a hardship due to loss of income due to covid. My original servicer " XXXX XXXX '' placed my account on a forbearance, and later transferred the loan to Selene Finance. I was caling and calling to get the correct amount owed NO RESPONSE. They filed a notice of default. I made trial payments for 3 months, they sent documents for a loan modification. on the loan modification documents they included a balloon payment for XXXX I have asked them for over 4 months how they calculated a balloon payment for XXXX? NO ONE HAS ANSWERED that question. The just keep telling me " underwriting came up with those figures, they are professionals and we are not changing it '' They then asked me to make more " trial payments '' and that they were going to send me new loan mod documents in mid XXXX for a payment due XX/XX/1922. So imagine my surprise when they put a notice on my door that said my home would be sold on XX/XX/XXXX! as early as XXXX i was still communicating with them and waiting for loan documents. Additionally, they included with the loan modification a " balloon payment rider '' that says if the loan is refinanced the " balloon payment '' would be forgiven BUT the language is so ambiguous it doesn't make any sense. They have not responded to my request and instead told me my choice is to pay the reinstatement, pay the loan off, or lose my property. How is it ok for them to make up figures and tell me go for this fraud/lie or lose my property
Product: Checking or savings account

I was issued a XX/XX/XXXXpayment from XXXX XXXX XXXX on XXXX in the amount of {$400.00}. Navy Federal rejected the payment because the accounts I held at the bank were inactive so they returned the money to the sender. On XX/XX/2022 XXXX XXXX XXXX sent XXXX via XXXX ( confirmation number XXXX ) this time Navy Federal Credit Union took the payment and it has since disappeared. I have not received a statement or anything telling me where this money went too and how it was allowed to go thru without being returned to the sender as it was previously done the month earlier.
Product: Credit card

Made a payment online but different account was charged which I didnt approve so my car had a late fee. I paid my balance in full then my card was Close by Capital one Without warning Capital one is practicing in Legal credit practices. I over paid and never received the balance that
Product: Debt collection

When looking at my credit report on XXXX XXXX under enhanced recovery one bill was for XXXX and the other XXXX attempted to reach out to collection agency on XX/XX/30 asking for a deletion which agency states the do not delete only paid in full letter ... I will not pay for an account I have no knowledge of, secondly they can not provide validation of said debt, no signed contracts for the original creditor XXXX only a bill which is verification of debt not validation of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Account name : # 1234, Accounts name : # 1234 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 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 then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the
Product: Money transfer, virtual currency, or money service

I received two emails from Chime last night that an account was opened in my name. Ive never even heard of Chime. I called them this morning and they state they have no record of this. A quick XXXX search reveals this is a prevalent and known problem and likely ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Credit Card by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Credit Card placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to Experian via XXXX certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took careful steps to include a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. 
However, I received a response from Experian dated XX/XX/XXXX, stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Product: Debt collection

Original service provider -- XXXX XXXX XXXX XXXX collection company -- Continental Credit Control By law, it is my understanding medical bills are not permitted to go to collections before 180 days. What the original service provider and the collections company they are using are doing is illegal. 

First bill for this was on XX/XX/XXXX -- per my statement. Meaning we're only at 120 days, before the original service provider sent this for collection. Very well before the legal timeframe.
Product: Vehicle loan or lease

I sent a debt validation letter the the corporate office of Capitol One Auto Finance, I also sent a request for the Original contract, and a letter requesting the Original Creditor. I was called by an agent and I was told that I would not receive any of these documents and that I was not eligible for refinancing because Capitol One does not refinance any of their contracts. This information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten the runaround. The debt validation letter was sent on XX/XX/2023. I have not received any correspondence from this company and I am being charged entirely too much money for this vehicle. I need a fair resolution to this situation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is forcing financial duress, invading my privacy, and violating my rights.
Product: Credit card or prepaid card

I applied and was approved fro the GM XXXX Credit Card. I set up my account online and received an error message that says " there is a problem with your virtual Card and we need to speak with you. Please call XXXX. '' I have called multiple times and every time they have said there is a technical issue and they will escalate the issue and someone will call me within 48 hours. After a few days I call back and am told the same thing. This has been going on for weeks. 

I last called on XX/XX/2022 at XXXX XXXX XXXXXXXX. The rep texted a six digit code to my phone from short-code : XXXX and had me read back the code, which I did. He said that confirms it is a technical issue at their end. I got the code and therefore my phone works as it should. 

I realize that Goldman Sachs GM Card has a reputation for horrid customer service, but how do they expect to stay in business if they can't fix a technical issue at their end?
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information, I specifically requested accounts associated with identity theft be blocked and removed, Experian response was 1. The request to block information was based on a material misrepresentation.

2. I have agreed in writing that the information was blocked in error.

3. I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of the blocked transactions. I requested how this was determined specifically, 1. A detailed explanation of how it was determined that my request to block information was based on a material misrepresentation. 
2. Evidence of the written agreement you mentioned, where I purportedly agreed that the information was blocked in error.

3. Specific documentation and evidence that led to the conclusion that I knowingly obtained or should have known I obtained possession of goods, services, or money as a result of the blocked transactions. Please provide this information in compliance with the FCRA, which mandates that consumers are entitled to know the basis for decisions affecting their credit reports. Additionally, I request copies of all documentation, communications, and evidence that were used to determine these results. 

Furthermore an account with XXXX XXXX is also reporting inaccurate information and Experian has verified it as accurate. I've spoken with XXXX XXXX and they have stated they have not provided this inaccurate information to Experian. Therefore Experian is violating my consumer rights and multiple consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under XXXX5 USC 1681 ( a ) 3. Experian, XXXX and XXXX assumed this role without permission not only that I never did give my consent. Experian, XXXX and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Experian, XXXX and XXXX did not exercise grave responsibility, Experian, XXXX and XXXX were unfair, Experian, XXXX and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. Experian, XXXX and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed Experian, XXXX and XXXX to furnish this report and I never consented to this report in the first place.
Product: Credit reporting or other personal consumer reports

I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts ( XXXX XXXX account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX ), ( XXXX XXXX Account Number XXXX ), Hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate XXXX 

and one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

check the attachments below.
Product: Prepaid card

I received my unemployment threw Bank of Americas prepaid card which I have so many problems issues and complaints with this card and the customer service its ridiculous. Worse part is they told me that the bank accounts I tried to transfer my money To are not compatible with there transfer service which is ridiculous. Beside the massive fraud that was charged onto my card which they still have not reimbursed me for all of it although they did reimburse me for some of which they refuse to deal with me the first time I reported the fraud instead they said they closed the dispute never investigated and made me verify my account only to have to reopen the dispute. In which case they missed a large majority of the fraudulent charges and i am now. Trying to finish filing the disputes on such but of course now they are forcing me to go verify my identity at a local Bank of America. Although they lied and told me that the forms of identification I could use were incorrect and not sufficient for them to verify my identity when I went to the bank to do so. Besides that they constantly cut off access to my account due to fraud protection leaving me stranded with no access to my money on multiple occasions. On more then one instance where I was even forced to wait two days stranded without shelter food or any way to access my money until the weekend was over and the department was open. Multiple times I was cut off from access to my money when I needed it forcing me to barrow from others sometimes paying up to double what I narrowed back for very small amounts of time. That along with the extra fees and the inability to use the card on most applications to transfer any money out of the app or to another financial institution that was acceptable by there terms although that was never made clear what banks were acceptable And because of another complaint and issue I am trying to resolve with boa and them closing of my account with them over ten years ago. They refused to reconsider there choice of accepting me as a client which would of made the whole situation go away but instead Bank of America and there horrible customer service reps who will throw you away hang up or make the situation even worse for you calling them I am more then just unsatisfied. And I want to finish filling these disputes and to get the rest of my money back
Product: Checking or savings account

There was an account fraudulently opened in my name with Wells Fargo, I spoke with them to fix the situation and close the account. The account is still open and it is impossible to speak with a human at Wells Fargo
Product: Credit reporting or other personal consumer reports

My identity has been stolen. I have has someone try to file taxes in my name and that was told to me from the irs. I have numerous social security numbers on my credit report that are not accurate and i have tried to get them off. XXXX and equifax has had Data leaks and informed me i was impacted n both. I have had bank accounta opened in my name as well that is NOT ME
Product: Mortgage

I recently was a victim of severe flooding in Louisiana. My home was damaged, and I was fortunate enough to have flood insurance. I received my insurance check made out to me and my mortgage company, Midland Mortgage. I sent the check to Midland on XX/XX/XXXX. I have began repairs to my home with my savings. On XX/XX/XXXX, Midland sent an inspector to check the status of my repairs. Their inspector said my home is XXXX % repaired. I have yet to receive a penny of my insurance money from Midland. All they say is that it is being processed. I am currently at XXXX % complete with the repairs, but have ran out of money to finish the last 3 %. I have made it clear to them that this is my money, I have paid the premiums, I have done the repairs and it is illegal for them to earn interest on Federal flood insurance money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to check my credit score on Credit Karma and it says every time that my information is incorrect and doesnt match the credit bureaus records, all my information is correct.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Capital One continues to report incorrect information on my credit file. Capital One received a security from me and invested it by depositing it then pooling it together with other consumers securities then selling it to investors. Capital One closed the credit line alleging delinquency but has failed to return the original security used for this transaction. If the credit line is closed then Capital One breached their fiduciary duties by failing to comply with their obligations under section of the security act therefore my investment and money made should be transferred back to me to restore all parties as before. What Capital one is doing and the credit bureaus known as XXXX, XXXX and XXXX are doing is engaging in deceptive business practices and therefore I should be fairly compensated from the harm caused by all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED TRANSUNION, XXXX  AND XXXX I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I was doing research on my phone and somebody has put a spy app on my phone and compromised all my information my banking my credit reports everything and I can not get nothing done I am being turned down for loans my credit score has went down I have no idea what a spy app even has but everythings been compromised my IP address and everything
Product: Credit card or prepaid card

A flight to XXXX via XXXX XXXX that my wife and I were on was cancelled mid flight and returned to XXXX. We were put on another plane, took off and, again, returned. We were rebooked on a flight the next day thus incurring costs for transportation and meals. These costs were to be covered by the Chase Sapphire Preferred card which we had used to make and pay for the reservation. The costs, with receipts totaling {$380.00} were submitted. We were then asked to provide additional information, which we did to the best of our ability. They then asked for more information, some of which had already been submitted. We submitted further information. We were then asked again for further information and responded to the best of our ability. They declared they had not gotten sufficient information and I submitted a complaint like this XXXX to CFPB which became identified as XXXX which you closed because you felt that the provider had fulfilled its requirements and, apparently, that I had not. This is an incorrect summary. 
Chase continues to ask for the same information which we have, each time, provided in different forms, none of which has been acceptable to them. The facts are simple : a flight was canceled ( a matter of airline record ) ; we were rescheduled the next day and did fly that flight ; we encountered costs during the layover that are covered by the card and submitted receipts as requested. I ask that the CFPB reopen the question and pursue how this issue can be brought to mutual satisfaction. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXX on my XXXX XXXX account and they were required to pay all billing while I was out on maternity leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and XXXX with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!