23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a letter from us bank stating that they closed my account due to the fact that it was overdrawn. On several attempts my cards never came to my home. I called and called several times to inform thia of this. When I noticed my account was overdrawn a rep contacted me and I informed the rep that my account had been compromised. I also informed him that I contacted the fraud department twice never received any paperwork or anything. On several attempts I had issued to me several temporary cards due to the fact that they sent out my card and then I never received it. Informed the company that my mail box was located on the street and can easily be broken into to. I am upset on the fact that I am XXXX XXXX with XXXX and that this company has treated me this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 30 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. After I updated my report on XX/XX/21 and realized that not only did the bureaus not verify or show proof of verification or validation, but they also did not put on my report that these items were under dispute that is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted. I also sent follow up letters on XX/XX/21
Product: Debt collection

Complaint Regarding Credit Collection by XXXX, XXXX XXXX XXXX XXXX. on Behalf of XXXX Dear XXXX, I am writing to express my deep dissatisfaction and frustration with the handling of my credit account by your firm, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

During the period of collection proceedings, I was facing significant health issues and undergoing tests for what I believed could have been XXXX XXXX. Understandably, this was an extremely distressing and challenging time for me, and attending court proceedings was not feasible given my health condition. 

In an effort to resolve the matter swiftly and mitigate any further stress, I made the decision to pay the full amount owed, despite my circumstances. However, despite fulfilling my obligation and settling the debt, I have observed that my credit score continues to suffer as a result of this incident. 

This ongoing negative impact on my credit not only affects me personally but also has repercussions for my family and my business. It is deeply concerning that despite my efforts to resolve the matter, my creditworthiness remains compromised, causing undue hardship and inconvenience. 

I urge you to investigate this matter thoroughly and take immediate steps to rectify the situation. I request that any negative reporting related to this account be removed promptly to restore the integrity of my credit profile. 

I appreciate your attention to this matter and expect a swift resolution to alleviate the undue burden placed on me and my livelihood. 

Sincerely, XXXX XXXX
Product: Debt collection

I received the first bill dated XX/XX/2021 from XXXX XXXX for {$70.00} on XXXX XXXX. I paid said bill on XX/XX/XXXX in full. On XX/XX/XXXX, XXXX sent me to MCA management company. On XX/XX/XXXX, MCA sent me a letter stating I owed the debt with a collection fee which I did not receive until XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX who stated it was their error, and they will get it rectified. On XX/XX/XXXX, I contacted MCA to make sure it was removed and it was not. The woman XXXX from MCA started yelling at me saying that they can't do anything and I need to talk talk XXXX. She kept interrupting me. When I asked to talk to the manager, she ( manager XXXX ) said I was wrong and that they will not delete the account only mark it paid in full. I told her that was not good enough as this was sent in error. She said they will not delete my account because it was sent correctly. She then told me to take responsibility and pay my bills. Great manager/owner to treat people like that. I did pay my bill less than a week after I received the bill, prior to her company even being involved. For a person to speak down to someone so disrespectfully is beyond me. I ended up saying a bad word and hung up because she offended me so bad. McA should have confirmed the debt was valid prior to sending me the collection letter. They were able to look up my payment while I was on the phone with them so I'm not sure why they couldn't do that before the letter went out. She could also clearly see the account was paid prior to the letter, yet refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hire right is a background reporting agency that reports information based on federal law. The employer is requesting a 10 year criminal report with the location to be hired in new mexico and used a texas location for training. What is the law that is supposed to be followed. The charge happened in XXXX and the conviction in XXXX. What is the 7 year rule.
Product: Credit reporting

The amount on the account is wrong. The amount showing is from the company charging an advance bill plus there claiming lateness. I transferred to another company with the same phone number due to the inconsistencies ' in the amount. The company offered me a settlement but, XXXX they should put the correct amount owed then add on a settlement. The fees and taxes all high then I am suppose to pay on an amount that is n't correct. 

Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Telecommunications / CellularAccount Status Closed - DerogatoryOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXMonthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status Collection/Charge-OffAmount Past Due $ XXXXTimes XXXX Days Late XXXX Collection AccountPlaced for collectionPayment HistoryNo payment history has been reported by this creditor. 
Creditor Contact DetailsXXXX XXXX - XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a new home for my family. please remove the fraudulent accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

This is a medical debt which goes against The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. 


Also, this is not my debt. This debt is a result of identity theft. This debt should be removed from my credit report immediately.
Product: Debt collection

I consumer, XXXX entered into a consumer credit transaction with Discover starting in 2015. Discover violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Discover with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. Discover closed my account without my consent, due to a bank issue. After account was closed without my consent Discover continued to charge me late fees for months after account was closed without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to my previous complaint dated XX/XX/2023. 
The accounts that are erroneous in my file must be removed due to their inaccuracies Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX balance {$62.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Debt collection

I did not get notified about this debt. It appeared on my credit report. I sent a letter asking them to validate the debt and they could not. This debt was opened in XXXX of 2019 in the amount of {$360.00}. I asked them for a full accounting which they could not provide. This account is on my credit report and they cant even show it belongs to me or where they got the balances or anything.
Product: Checking or savings account

Bank of America won't let me open account online. They closed the one I had without reason.
Product: Mortgage

My mortgage was with Seterus Inc., it recently transferred to Mr Cooper. I received a notice that indicated my mortgage was going up because I didn't have enough money in my escrow account for taxes and insurance. Now, up until maybe XX/XX/2019 was was paying my own homeowner insurance. 
I purchase Ins. from XXXX XXXX XXXX, policy XXXX, a month in the policy I received a letter indicating the price change to 3 times the amount.I asked them to cancel that policy and the still took {$800.00} and sent me the rest, which unfair to any homeowner.I then purchased with XXXX Underwriters ( XXXX XXXX ) I never had a gap in my insurance. I spoke rep from MrCooper who indicated Seterus adding to my escrow and a check was sent out to the Insurance, but returned with a partial amount. The insurance company rep stated, no check was every sent out because I paid it in full.Both parties were supposed to send me the documents, but I haven't received anything for either party. This is very frustrating because I'm on a fix income and can't pay an extra XXXX a month attached to my mortgage. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan # XXXX
Product: Checking or savings account

The bank claim that I did authorize transaction but the action was not authorized and they allowed a company to deduct money from my account
Product: Vehicle loan or lease

On XX/XX/XXXX I enrolled in paperless and automatic billing for my XXXX XXXX lease through XXXX ( their own portal, not my bank 's ). I have email confirmation that I 've done so. Fast forward to XX/XX/XXXX XXXX - my car is being towed out of my driveway by a repo company. I received no emails, no phone calls, nothing in the mail, not even a message on nissanfinance.com 's  message portal. Apparently they NEVER billed my bank for the monthly payments that I set up and never contacted me to tell me that I was delinquent. Normally when a bill is late you receive some correspondence from the company because they want their money, but apparently Nissan would rather steal your car and make you pay exorbitant repo fees. I tried calling Nissan and the representative refused to A ) admit that there could 've been an error in their system, B ) transfer me to a supervisor, C ) work with me on paying the repo fees that were unjust. I was n't delinquent on my account - always paid on time - and have the money in my account to pay in full. When I was paying through my bank my payments always arrived, but I was encouraged to enroll in their paperless billing, then all XXXX broke loose. Again, I have email confirmation that I enrolled in their paperless billing on their website, but it was never actualized. Horrible customer service.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

In XXXX of 2021, my mortgage payment increased by approx XXXX. After reviewing my paper statements I have identified the increase was as a result of my escrow ( taxes & insurance ). However, looking at the past several years my tax and insurance bills have only increased very slightly. I do not understand why my escrow would increase so substantially each month. 

To look into this further, I have been trying for days to access my mortgage account with Citizens XXXX XXXX. Normally I access my account using the app, but they recently XXXX the map because they are merging with the banking app. Because I do not have a Citizens bank account, I am required to enroll again with a new username and password in the new app. When I attempt to do so, none of my credentials are recognized including my SS #, name, etc. I also tried to enroll on the citizens website with the same result. Finally, I have called the citizens helpline ( s ) 5 times and been put on hold for over an hour only to be dropped. I also reached out to my loan officer today. 

As a result, I have no explanation to my escrow increase and no ability to speak to anyone or access my account online.
Product: Debt collection

The company is NATIONAL CREDIT SYSTEMS, XXXX. XXXX XXXX, XXXX, GA XXXX. 

Florida requires license and this company is not licensed in Florida.
Product: Credit reporting or other personal consumer reports

I was applying for a mortgage loan with XXXX XXXX XXXX XXXX  and they informed me that there were 3 delinquent accounts with XXXX XXXX XXXX XXXX. I called the company, explained that I have never had an account with them. They said that I would have to travel to the central offices in XXXX XXXX to dispute the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the companies regarding false information on my account and it wasn't properly reviewed by credit bureaus. so, I took it Apon, myself to search laws regarding this here are a few that was found and need to be followed by them. My address is still wrong on all of the bureaus. all violations on credit reports are attached. also is an attachment from FTC 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; 15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX of XXXX someone opened up a time-sharing account utilizing my information. Around XXXX there were two First Progress credit cards opened. As well as multiple inquiries of people trying to obtain credit in my name.
Product: Debt collection

American Express has called my sister and disclosed that I am behind on my debt. I 've already submitted a complaint for that. They 've also called my former roommate twice, XXXX XXXX. The first time he asked that they do not call him. They 've called twice so far. I am in a debt settlement program with XXXX. They told me they can only call once, and that it is illegal to call more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Experian and provided the supporting documentation. 
Experian Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered areXX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to Experian first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XX/XX/XXXX and XX/XX/XXXX Experian is in violation of Section 623 ( a ) ( 2 )  of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate: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 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 I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.
Product: Mortgage

Two complaints : 1 - Was told we would be going beyond our lock rate date and would need to " to either extend the lock or pull the application. '' No costs or other information was provided to us. As rates have decreased since we started this process, this seems like a deceptive practice to obtain more money from us without giving us complete information.

2 - Had issues scheduling an appraisal. Company would not let me choose appraiser or schedule an exterior only appraisal to confirm property value. The appraisal company the bank choose refused multiple times to schedule the appraisal on more than 1 day 's notice. The bank refused to return numerous messages about this, which ultimately caused many delays. I do not understand why the bank does not allow for flexibility in the appraisal process or why the appraisal company refused numerous times to schedule beyond one day. 

Ally Bank for home loans is the definition of a complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE LYING. THEY DID NOT COMPLETE THEIR INVESTIGATION IN 30 DAYS.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2023, I visited XXXX XXXX in XXXX XXXX, XXXX XXXX, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) XXXX time ; they ran my credit XXXX ( XXXX ) times. The additional XXXX were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries. 

This company is XXXX of the many where XXXX XXXX sent an unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : Loan Account Holder : XXXX XXXX  XXXX XXXX Loan Account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}