23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from this company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Stating that I still owed a debt to XXXX XXXX XXXX, XXXX in the amount of {$50.00}. 

I sent them an email on XX/XX/XXXX stating that I had paid this debt back in XXXX of XXXX. I received a response email from this person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX ext. XXXX XXXX  on XX/XX/XXXX asking if I could provide proof, which I did in my email back to him on XX/XX/XXXX. He then went and reported the debt as open to the credit bureau 's on XX/XX/XXXX, even though I had already provided proof of this debt being paid two years ago! I'm asking CFPB to help close out this fraudulent claim. Thank you!
Product: Mortgage

In XXXX of XXXX, I closed on a brand new home financed by Homepoint Financial. In XXXX of XXXX, I received an escrow analysis showing a Forced placed insurance charge of close to {$6500.00} dollars. This forced placed insurance was incorrectly placed on my account, as I had insurance at the time of close and was able to obtain proof of insurance for XXXX to XXXX. Since XXXX of XXXX, I have been working with Homepoint to get this charge removed from my escrow account. I have submit proof of insurance close to 10 times, called in weekly and sometimes daily, spent countless hours on hold, spoken to over 10 representatives and have had to explain myself to them every single time I call in. The forced placed insurance charge has caused my monthly payment to increase by over {$350.00} for every month since XXXX. Homepoint has made no effort to resolve this. I have sent in emails, written notices of error, spoken to directors and insurance department alike. I feel I have done my part to resolve this as this issue is between the insurance company and Homepoint financial. I have paid my insurance and have paid my mortgage, yet the ridiculous charge of {$6500.00} has only been partially refunded and still reflects a charge of over {$4000.00} without reason. Many agents have stated verbally that they see the error, yet nothing has been done to fix it. One agent even stated I was charged 2 forced placed insurance charges but have not been refunded. Homepoint is purposely being negligent to prevent my mortgage payment from returning to its original amount of about {$1500.00}. My current payment is $ XXXX Through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for these items to be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} Inquiries 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

I checked my account with XXXX and there is something on my credit report where Bank of America has obtained my personal information for a credit card that I have not applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. 
I HAVE RIGHTS UNDER 15 USC 1681. 
Equifax is govern by 15 USC 1681. AND they violated my rights numerous times. I demand the accounts listed below be removed. 
According to 15 USC 1681 : I have the right to privacy AND I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on my Total Visa Card on Friday XX/XX/2020 at XXXX XXXX  with my debit card. Total Visa failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because Total Visa failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at Total Visa by the name of XXXX agent ID XXXX. She pretty much said Total Visa terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. Total Visa Card reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to Total Visa reporting inaccuracies.
Product: Checking or savings account

I had a Chase checking account for over three years, consistently in positive standing, and without any incidents of fraud or illicit behavior. During this time, I rented a car from XXXX, which I returned in XX/XX/year>. However, in XXXX, I was unexpectedly charged by XXXX for the rental. I disputed the charge through Chase, and my money was initially refunded.

However, about a month later, Chase reversed the
claim, allowing XXXX to withdraw the disputed amount from my account without further verification. I immediately contacted Chase customer service, who informed me that because the dispute was retracted, I would have to resolve the issue directly with XXXX. 

After multiple attempts to resolve it with XXXX, we couldnt reach an agreement. XXXX claimed I owed over {$1400.00}, which was inaccurate ; at most, I had missed two payments, totaling around {$700.00}. Despite knowing these were incorrect charges, I still deposited over XXXX XXXX into my account to address the balance and prevent account closure. Unfortunately, despite me constantly trying to tell support about what had been going on when trying to work with XXXX, Chase never offered a resolution and until the account was closed sometime in XXXX I was not offered any type of payment plan or assist in resolving the error with XXXX, resulting in the account closing with a negative balance.

Now, Chase has reported this incident to XXXX XXXX XXXX ( XXXX  ), which has barred me from opening any other bank account, making it extremely difficult to manage my finances. I believe this situation is unjust, as I made an effort to address the issue, had a positive history with Chase, and dealt with inaccurate charges from XXXXan issue others have also reported with this company.

Due to the account closure, I am unable to access documents related to my checking account, as the account is completely removed from my Chase profile.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023 to all three credit bureaus. 

Here are my Tracking Numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I requested to remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Debt collection

CREDIT COLLECTION SERVICES, WHICH WHO I DO KNOW THIS COMPANY IS IN SERIOUS VIOLATION AND BREACH OF CONSUMER LAWS AND FEDERAL LAWS. YOU ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Debt collection

The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Product: Credit card or prepaid card

I am currently on hold with Barclay Bank. I made three payments over the past 2 weeks. 2 large payments have not been reflected in my account. I am quite concerned that my funds are being fraudulently spent at this point My case number is XXXX. They are missing a payment of {$100.00} and of {$500.00} that were both ACH payments from XXXX. We spoke in depth with the representative from XXXX who gave them the specific info they would need to locate my funds. My money is missing and I am quite concerned. 

I think something unethical and fishy is going on at this company. At this point, they say it will take 7 to 10 business days. That is ridiculous. Here I am a consumer trying to pay down my credit cards. I was in hurricane Irma. I need to buy a car and improve my credit and they somehow low my payments. 

At this point, I 'd like them to credit my accounts. Then I 'd like to close all accounts with them and not have it affect my credit. I need reliable creditors and not ones like them moving forward. They need to be investigated for fraud.
Product: Vehicle loan or lease

They call and harass me non stop. While I try and work everyday calling and calling 7 days a week. I reached out to try and re finance my car loan they told me no I couldnt. I became late on my payment. Then I send them almost XXXX dollars and they start calling and harassing even more. Their calls are taking a toll on my mental and physical health. Im a single mother of two small boys. And their dad stopped paying child support. I told XXXX this and they didnt care. I feel like they are trying to make me sick by their harassing g behavior. My XXXX XXXX is sky high and I cant take much more of them. Please help
Product: Credit card

They denied my application, even though my application is a promissory note, and they can sale it to a third party, which means they are committing securities fraud. So, I shouldn't be rejected.
Product: Debt collection

XXXX refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate these accounts ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$7800.00}
Product: Checking or savings account

I opened a online money market at BBVA compass following a link that I will get a bonus if I put a certain amount of money. Few weeks later I asked about my bonus and I was informed that there was not bonus.  They were nice enough and gave me few dollars not even the 50% that it was offered. Then, I decided to transfer some funds.  To my surprise even thought this is an online account and they do not have any physical account in my state or surrounding states they charge to make any transfer. They are suppose to be part of XXXX   that does not charge but not yet. They have XXXX XXXX and they charge.  Then you cannot take more than $10000  a month, please this is not a CD is a money market account.  Then, I decided to close my account. Too much headache.  I submitted their request as stated by them, notarize letter, statement as they state: "my funds to be mailed to my address on file" and so on.  I submitted the letter on XX/XX/19 and this is the day XX/XX/19 and nothing; I have not received my funds.  I have called several times and they say that they are going to escalate the case. There is always escalation and when you talk to a supervisor they do not give you an id # or last name. It is XXXX or XXXX or XXXX (there is only one XXXX in a BBVC bank? hard to believe).  Then, finally I see no funds on my account but there is not any email or anything explaining where is my money. I have not received any check.  They have my email since when I opened the account they sent me an email.  They have playing with my money half a month and I they have been only "escalating" the case and now the money has disappeared and no check on XXXX  has arrived to my address on file.
Product: Credit reporting

How can inquiries be a matter of public record if they are not accurate Equifax refuses to investigate claiming the above Photo copy uploaded
Product: Debt collection

ZION DEBT HOLDINGS Last reported : XXXX XXXX, XXXX Opened XX/XX/XXXX ( 1 year, 3 months ) I have requested this information over 30 days ago and now requesting again because they never sent the information i requested
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 This letter is a initial complaint that you are reporting inaccurate and incomplete credit information to my credit file. XXXX suffered a security breach that leaked my personal information ( my name, social, date of birth, drivers ' licenses number and other personal information ) as a result I became a victim of Identity theft. I have contacted my lawyer who will be working with me to bring this information to a judge in my area. Your company has failed to provide proof of legal debt validation, and at this point I have requested it twice. I am certain that you know that the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Anyone paying for your reporting services could fax, mail, or email in a fraudulent account. There is more than one account that you have listed on my credit files, are results of identity theft because I have no knowledge of them and should be removed from my credit file immediately. Continuing to report this inaccurate information please understand you are in direct violation of the Fair Debt Collections Practices Act, this is against the law.

I do not owe your company any money, I have never done business with your company this is the last time I am asking that you remove this account from my credit report and as soon as possible, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed correct information. Attached to this document I have also provided you with my police report. I am also requesting that you provide me with full debt validation of this alleged debt. Please send me proof that this account has been removed from my credit file, I have also filed a FTC report against your company as well. 



I look forward to the correction of this matter XXXX XXXX XX/XX/2022
Product: Money transfers

I wired Wells Fargo a large sum of money to attempt to payoff a reverse mortgage on my father 's estate on XXXX/XXXX/XXXX. My bank, XXXX XXXX XXXX charged me the service fee of {$30.00} and the money hit the Wells Fargo account on XXXX/XXXX/XXXX. I left off the reference number of the reverse mortgage in the body of the wire so Wells Fargo did not initially accept it ( See case number complaint XXXX ) and the money was wired back. I wired the money back to Wells Fargo and it was accepted. My complaint that I referenced in the dispute of the case number above is that when the funds were returned, the amount was short {$45.00}. I checked with XXXX XXXX XXXX and they did not withhold any kind of fee for the return of the money. I need to account for the missing {$45.00} because these are estate funds and other heirs are involved. The contact at Wells Fargo that handled the old complaint told me all the money was wired back but clearly the entire amount did not hit my account.
Product: Vehicle loan or lease

I spoke with a representative named XXXX in XXXX.I inquired about a loan application that was sent in but the dealership never sent them a contract from XXXX XXXX XXXX dated XX/XX/year>. The dealership at that time said my application was denied. The representative said the loan was approved and they wa an approval expiration date of XX/XX/year> from dealer XXXXI Sent Capitol One Auto Finance a request in writing XXXX XXXX, with reference number XXXX. 
I requested to have approval or denial with everything they said sent to me in writing not excluding loan amount, loan terms and loan APR. 
I received a response in writing today on XXXX XXXX. 
It stated they needed a reference number to fulfill my request and if I had any questions to call the company. 
I called the company to ask why they are asking for the reference number again? 
After an hour on the phone, I hung up. First telling me they could not give me anything in writing, to suggesting I could submit another letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was Paid satisfactorily in full and was and it's not been reporting to my TRANSUNION credit report has of yet XXXX XXXX XXXX Account Number XXXX  Account Type Installment Loan Terms 18 Months Date Opened XX/XX/XXXXAccount Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3300.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery has been harassing me for over a year now with repeated phone calls. When I block one number, they call from a different number. 

The most recent phone call is when they called twice XX/XX/XXXX at XXXX XX/XX/XXXX from a ( XXXX ) XXXX at XXXX I would have to go back on my phone bill for the numerous calls
Product: Vehicle loan or lease

BMW financial services has not provided me with lien release for my vehicle despite the fact that I paid off loan months ago. They keep saying they will send it to me but never so despite many calls and emails.