23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Regarding Acct # XXXX. 
My name is XXXX XXXX and I live in Texas. In XX/XX/XXXX, a collection item hit all 3 credit reports as a debt that was first delinquent as of XX/XX/XXXX. I disputed with all 3-credit bureau as I have no knowledge of this debt. I contacted the collection agency Consumer Adj Co ( CACI ) to find out why this is on my credit report. No answer and I left a message. A rep called me back and stated that this is a debt owed from XX/XX/XXXX. I asked for information regarding the collection agency and was provided the name CACI and their address. I asked for information from the original creditor and was denied this information. She stated she could not give me the contact information from the original creditor and that this debt was bought by XXXX XXXX XXXX, and I could look them up myself. I am filing a complaint with CFPB, because they are not providing me with validation of the debt and according to Texas and Federal Law, they statute of limitations in Texas on debt is 4 years. That 4 year date ended XX/XX/XXXX. 

( Section 16.004 of the Texas Civil Practice and Remedies Code - The statute of limitations on debt in Texas is 4 years ) AND ( Section 392.307 of Texas Finance Code in XXXX - This section of the law, introduced in XXXX - states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. )
Product: Vehicle loan or lease

During the course of the lease in question, I, the customer, consistently paid on my account early and in excess of the minimum amount due. When the lease had ended, I returned the vehicle in pristine condition. GM Financial had agreed, but had charged $XXXX in over-mileage charges, with the final payment due on XX/XX/2019. I am not disputing this charge, I want to pay it. GM Financial offered only ONE method of payment for their final bill, via check and using a slip attached to the final bill. On XX/XX/2019, a payment for $XXXX in the form of check (from my account, check #XXXX) along with the final bill slip was sent via USPS to the address provided by GM Financial: XXXX. XXXX XXXX, XXXX, AZ XXXX as instructed by the final bill sent by GM Financial.I have not heard from GM Financial directly since. However, GM Financial, without indication, warning, or otherwise, reported to XXXX  a serious delinquency on my account. The only way I found out about this was through a credit monitoring service. GM Financial lost my check. GM Financial did not send any additional notices. A dispute from XXXX  confirmed what was stated in my initial paragraph: I, the customer, consistently paid on my account early and in excess of the minimum amount due. However, the end result of the dispute was inconclusive. When reaching out to GM Financial to see what the problem was, they simply refused to help or even look into the matter further. The date, time, and person I spoke to from GM Financial was recorded for reference.
Product: Checking or savings account

I have an Experian XXXX XXXX digital checking account. Upon review of my account history I found several debit card transactions that were not authorized by me. As soon as I noticed the transactions I notified Experian XXXX XXXX and put the charges into dispute. The day the dispute was filed I received a letter from Experian that I filled out and signed and returned via email. To date Experian has not communicated with me at all about the status of the dispute nor have any of the funds that were fraudulently removed from my account been returned.
Product: Mortgage

XXXX XXXX was unwillingly chosen for me by Vanderbilt Mortgage. I was not involved with choosing my coverages with this company. Through my own personal investigation I have deducted that this company is willfully and maliciously over insuring customers without the customers knowledge with the help of Vanderbilt Mortgage. Any attempt by customers to lower such things as personal property insurance level are rejected by XXXX XXXX with the blessing of Vanderbilt Mortgage. Any attempts by the customer to reach out to the underwriter of the policy XXXX  and file a complaint are ignored by XXXX. XXXX XXXX, XXXX and Vanderbilt Mortgage have banded together in an attempt to overcharge customers by pushing unauthorized insurance products on unknowing customers. When asked by the customer to change coverages the customer is then mislead to believing that the coverage has been changed, but refused evidence of the change. Notice of refunds are also information that is unknown to the customer. I will be reaching out to the appropriate government agencies to report these individual companies and address the situation that I have personally experienced.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX {$12.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} ; XXXX XXXX XXXX XXXX  : {$0.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that trafficking. 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also need the following names and addresses be removed from my TransUnion credit report which is as a result of the XXXX 
Names to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX And I am asking for the following addresses to be removed which is also because of the XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am finally asking the following Employment Data to also be removed which is also as a result of the trafficking. 
Employer Name : Date Verified : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a XXXX XXXX XXXX so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I been a Chevron/ Synchrony bank account holder since XXXX XXXX. In such a time I have made every payment on time and not once have I ever paid late or even overcharged the account. I think it's fair to mention that within such time there hasn't been much problem with the account.Needles to say, I tried using the account on XX/XX/XXXX and for reason unknown to me my purchase was declined. I contacted Synchrony bank and what I found was a lack professionalism and harassment. One that could even be interpreted as civil rights violations. Since in my perception the hold was placed on the account to get me to call and to torment me. Due to the fact that positive resolution is never offered. Instead I am mocked and harassed. For lack of a better word trained as an animal ( behavior modification ) in a detrimental way.Other wise as it has been done several times before, the account is closed and any intend to reopen it is denied.Such fact can be supported based on previous claims or complaints to this very website against synchrony bank and several of their retailers.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to follow up regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses that XXXX be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. XXXX accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have as morgage company a corrupted company bank. XXXX XXXX managed by shellpoint morgage servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees shellpoint morgage servicing claimed I owed on XXXX of XXXX XXXX  XXXX XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why shellpoint morgage servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the XXXX the credit report agencies but they didn't care i made a complaint here actually the second one and one of the XXXX or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as shellpoint morgage servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!
Product: Vehicle loan or lease

my car was taken while I was in the hospital but payments were auto pay. the company were afraid a tow company would take title for storage. so basically they forced the repossession, on a car that was up to date on payments
Product: Payday loan, title loan, or personal loan

Hello, I have a reoccurring monthly payment for my credit card consolidation loan. The monthly payments are {$300.00}. On XX/XX/XXXX, I called a spoke with customer service about making a payment larger than my monthly minimum. I asked for them to turn off my automatic payment so that I could make an online payment of {$1200.00}. In the recorded call I asked several times for the automatic payment to be turned off and I asked the customer service agent if my {$1200.00} would satisfy my XX/XX/XXXX payment requirement. He informed me that it would. On XX/XX/XXXX, {$300.00} was automatically withdrawn from my checking account. As a result, my checking account was overdrawn and I received a {$35.00} penalty. I called lending club. After waiting 45 minutes I spoke with a rep who said he could not help me. He transferred me to payment solutions. As my phone reach 2 hours and 1 minute of on-hold time, another customer service agent answered and informed me that this was not payment solutions. She noted my account and said that there was nothing they could do for me. She attempted to connect me to payment solutions and I was disconnected. I tried the entire process again and a third customer service agent informed me that my auto payment was turned off and that there was nothing else they could do. I did not authorize the XX/XX/XXXX payment and would like this returned as well as the overdraft fees I accumulate until this is corrected. the recored call on XX/XX/XXXX details all of the above stated. I attached a photo of my phone record for the 2+ hour phone call that was disconnected. Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR MULTIPLE LETTERS TO TRANSUNION REGARDING UNVERIFIED, INCOMPLETE, AND INACCURATE ACCOUNT WITH XXXX  XXXX XXXX ON MY TRANSUNION CREDIT REPORT****
Product: Debt collection

On XX/XX/2022, I pulled my credit, and saw that XXXX is reporting several accounts on my report. 
Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent XXXX a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. 

I received a letter from XXXX dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the XXXX Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. 

However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. 

I am demanding that they cease collection and delete these accounts off my credit reports.
Product: Mortgage

I have spoken to XXXX CSRs since last XXXX. I have a weekly draft, it is showing pending the day of the draft. It always does this. Last Wednesday XX/XX/23 that pending draft was not there. I worked all day, got home and it still was not there. I called BSI, I spoke to a male, I did not get the name. My husband participated in the converstaion via speaker phone. I was informed that my bank stated the funds were not there to cover the draft. I said that was odd because I have money. I proceeded to do a manual payment with the CSR. I was also informed that only XXXX draft attempt would be made. The payment shows on my bank statement, dated XX/XX/23. Then I wake up on the XXXX and I have another draft, dated XX/XX/23. I was double drafted. I called back and spoke with an XXXX American female who was rude, interrupting and full of useless info that didnt pertain to the reason I called, and frankly was a waste of my time. She had my husband and myself extremely upset. This lady proceeded to tell me that the previous CSR was wrong in the info they provided, of course them seems to be a trend with this company, each CSR has conflicting information. I was told I could get refunded for the double payment but that would take half a month to get back. In the mean time, the misinformation I was provided caused a NSF fee for my sons daycare check. Check XXXX for {$140.00}, and the Overdraft Charge {$33.00} dated XX/XX/23. My husband, called on XX/XX/23, XXXX, literally the first business day of the week that he could call, to stop the draft from happening this week, draft date XX/XX/23. Since I was double drafted last week from the misinformation we decided to skip this weeks payment. And that wasnt even done, I got drafted anyhow. So I will be incuring more overdraft fees this week for yet another mishap. XX/XX/23, I have now incured another {$28.00} fee because my bank pushed the mortage payment through even though I didnt have all the funds to cover it. I have XXXX more pending payments that will incur {$33.00} fees each tomorrow XX/XX/23. My husband has been speaking to a XXXX XXXX at BSI as of XX/XX/23 who informed him that the bad information given that caused the double draft last week, was in fact the manager who provided it. I and my husband have been sending emails containing screen shots of the all the fees we have incured so far. So far nothing has been done. We have not been refunded for the fees and this company is a nightmare to deal with. Last year I had issues with them providing information that they paid my escrow and paid it on time. Before that it took an act of congress to get the welcome documents that they bought my loan. My payments to my old mortgage company were coming back before I recevied anything from BSI Financial as to where to send payments etc. I have had very few pleasant dealings with them. Their customer service is atrocious. 
They have a hate group on XXXX, tons of lawsuits against them, tons of bad reviews and a XXXX XXXX score is a XXXX, and I can see why. I dont know as a government, how this company is allowed to remain in business.
Product: Credit card

This is another dispute related to the last one I just filed. I am disputing a hard inquiry made on XX/XX/XXXX. The previous dispute was for XX/XX/XXXX. These attempts to get a loan between XXXX XXXX XXXX were not made by me. I was the victim of identity theft and still correcting issues that that resulted from that. On my XXXX report it shows hard inquiry XX/XX/XXXX. I never contacted Wells Fargo in XX/XX/XXXX. The inquiry is invalid, it was not me. Any inquires between XX/XX/XXXX and XX/XX/XXXX that 60 day period was not me and should be removed from XXXX and all the credit bureaus. They removed the one XX/XX/XXXX. XX/XX/XXXX is real close, obviously related.
Product: Debt collection

I received a letter from a debt collector today XX/XX/XXXX saying that They are collecting a debt from XXXX  an ambulance ride from XXXX hospital to the other. I thought that it was all taken care of because I paid off all of my debt to the best of my ability. I didnt hear from the ambulance company so I assumed that it was written off.
Product: Checking or savings account

This is really problems, 1st is they stated they wouldn't charge me more than 1 fee per day with my overdraft on my business account which they do, sometimes they charge me before the account even goes into over draft.

I've had issues with SunTrust before, Now even though I setup a overdraft for my account, they say it is the same account as my business credit card account which it is not and has a completely different account number and balance, as well as balance available. I had to write a check for supplies for a current job and looking online I see my overdraft account states XXXX balance {$5000.00} available, But the are returning the check, therefore messing up my relationship with this supplier and telling me it is based on my balance on my business credit cart which states {$74.00} available with a completely diff account number, I occasionally reach someone at SunTrust that knows what's going on and what to do. but as of lately no luck. Is there anything that can be done to make them abide by what I was told that it is a separate account with it's own available balance. If it were not, I'd have no use for it because I could just charge what ever amount from the business credit card to my account and not ever pay a over draft free. + their new 3 % cash transfer fee they started to charge me along with a {$38.00} overdraft fee. Not sure what has happened to SunTrust but they have become a group a lying fee hungry bankers!
Product: Debt collection

I had a credit card through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my paycheck and bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account is wiped clean at least once a year for the past 7-8 years and my paychecks are being garnished for around {$400.00} each month for a debt that we took all steps to pay in XXXX.