23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Was contacted on XXXX XXXX @ XXXX CST &  XXXX XXXX @ XXXX CST. 
Has not given me an amount owed. 

This company has contacted me now twice regarding a debt. I 've spoken to their manager XXXX & asked both times for a validation of the debt. Both times I was spoken to extremely rudely, called a " XXXX XXXX '', told it 's my job to call the original creditor to validate, was told they are in a " process ''. When I asked what this process was, like court? I was told that no, not court, just a process. 
I told them that under law, they have to give me verification of the debt within 5 days. Was then told that I 've owed this debt since XX/XX/XXXX, that I 'm a " XXXX debtor who never paid my bills ''. I informed them that my identity was stolen & that I have never had a credit card with the company they 're " colleting '' for. Was told by first debt collector that they have a copy of my credit report & that I owe everyone. I also told them that the statute of limitations had expired after 5 years ( Missouri law regarding credit card debt ), I have zero clue who the original creditor was, and that I need validation. All this XXXX person does is over talk & try to use scare tactics without giving me any proof what so ever. 
I just called them to inquire about their mailing address & they refused to give it to me & were again, extremely abusive. 

They are also calling my boyfriend 's cell phone ( not my number ) even though I 've told them that was not my number & to stop calling him. 

This company is scamming people & trying to collect on extremely old debts that they 're refusing to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Checking or savings account

A withdrawal in the amount of {$270.00} on XX/XX/13, Transaction ID : XXXX, still shows as processing and does not seem be going through as it is taking an unusually long time to complete. This is evident in the fact that a withdrawal in the amount of {$20.00} on the same date, XX/XX/13, Transaction ID : XXXX, shows as now completed when this one is still in process for whatever reason.. Both transactions are going to my external bank account ending in XXXX, there seems to be some technical issue going on and I do not know exactly what that issue is.
Product: Checking or savings account

I opened a money market account with Ally bank. I initiated a transfer from my original savings account to fund my money market account in the amount of {$12000.00}. Ally wrongfully initiated two transfers of {$12000.00}, totally {$24000.00}, which over drafted my account. I called Ally to have them cancel the second transfer that I did not initiate and I was told they could not and that I needed to contact my origin bank. I contacted the origin bank, XXXX  XXXX XXXX, and was told because they are not the bank that initiated the transfer that they could not cancel it, but Ally should be able to. Ally refuses to cancel the transfer. I asked to close my account with Ally and was told I need to wait for the two transfers to post before I can close.
Product: Student loan

I am unemployed and unable to make payments. 
Lender denied forbearance.
Product: Credit card or prepaid card

In XXXX. of this yr I rec 'd a notice that a temporary hold had been placed against my credit card, the reason being, unusual activity. I contacted the company & notified them the activity was legitimate & requested the lift the hold. I was informed they would review the matter. I waited several days, but no response. Once again, I contacted them & was told the acc't was permanently closed. This time I was told they were unable to verify my identity & the account could not be reopened but I could apply for a new card, which I attempted to do numerous times. Each time I tried I was asked for my last 4 soc sec # 's.each & every time I was informed that I already had an acc't with a zero balance and was unable to apply for a new card. I've tried dozens of times and have spent hours of times on the phone with the bank & written several ltrs. In addition, I met with a representative of the company 4 times & she spent several hours on the phone with the bank attempting to help me, to no avail. I wrote one last ltr to the president of the bank hoping he would help to resolve this matter this matter. He never responded. The problem seems to be that although that acc't has been closed it still appears as an open account on their books. I would very much like to open a new acc't since I was a customer since XXXX  with no issues to speak of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with Transunion I still have not received anything from them about my dispute. I understand that with covid things are behind, but the law states 30 days this is unacceptable that I need to wait for my results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX conducted hard inquiries on XX/XX/2019.  Credit Plus made two hard inquiries: One on XX/XX/2019 and one on XX/XX/2019.  I was told they did two inquiries because the company had misspelled my name, which was not my fault.  It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry.  That did not happen with either XXXX XXXX, XXXX XXXX, or Credit Plus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also I have attached the letter sent out. According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies.
Product: Debt collection

On XX/XX/XXXX, I received an email to my corporate email regarding a unknown debt and an attempt to collect this debt. When I return their phone called, I made them aware that I did not own this debt and they continued to harass me and tell me I owed the money without verifying you the original debt holder was. They have the last 4 of my SS # and my work email address, which any one can buy on the internet. 
I have also received several phone calls and text messages from multiple numbers. 
They are alleging I owe {$750.00} to a company names XXXX XXXX. They can not or will not supply me with more information than that. I have never heard of and I have never borrowed money from XXXX XXXX.
Product: Credit card

I had XXXX fraudulant charges made on my XXXX XXXXXXXX charge/credit card XXXX XXXX years ago. All of the charges were made by a foreign company that I never heard of. If you were to run a internet search. This company defrauded thousands of people. XXXX XXXXXXXX had XXXX of customers complain abou this companys unauthorized charges. Yet they kept letting the fraudulent company defraud their company. 
XXXX XXXXXXXX told me they would not refund my money, ,because I should have know I was being defrauded so it is my fault. I am sorry but that is ludicrous. Who woul knowingly let some XXXX withdrawl money from their account and steal their money. 
XXXX XXXXXXXX also charged overdraft fees every time a purchase was made on the card fo rthese fradulent charges ... .If hundreds and thousands of customers. Alert a XXXX XXXX. That a company is stealing money from its customers. Should the bank be responsible to not allow the fraudulent company make any charges to it customers? If they know customers are getting ripped off and do nothing about it. Arent they liable? They will not refund my money or the fees they charged me. They took money out of my checking account to cover the credit card fees and charged me over draft fees. It also worth noting. The credit card/atm card- was never ever used in years by anyone. The only one to use it. Was the fraudulent company. And the person that had posession of the account is disabled. Is and has been in a guardianship ordered in court. This person is not responsible to pay for any bills or sign any legal paperwork.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, this creditor has violated my rights.

I am writing to dispute inaccuracies on my credit report and to address a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

-Privacy Violation under 15 USC 1681 : Section 602 of the FCRA guarantees my right to privacy concerning my credit information. I have not given written authorization for any entity to access or report my credit information. 

-Violation of Written Consent Requirement under 15 USC 1681b ( a ) ( 2 ) : This section of the FCRA stipulates that a consumer reporting agency can not furnish a consumer 's credit report without my written consent. I have not provided any such consent for the furnishing or obtaining of my credit information.

-Unfair Treatment of Payments under 15 USC 1666b : This section of the FCRA prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It appears that my account may have been inaccurately reported as being late, which is a direct violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

A coalition of attorneys, announced on XX/XX/2020, a settlement with Santander Consumer USA Inc. ( Santander ). The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk. Santander has agreed to help repair consumer credit reports that were damaged by its alleged practices by removing the account from credit reports. 

In the settlement on page 9, paragraph 16, " Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. '' I have two letters to credit reporting agencies and have not received a response regarding this particular issue.
Product: Debt collection

Hey. I'm a consumer. My mom calls me XXXX and my family name is XXXX.I have been with Kikoff Lending for a long time, and I have always appreciated the good value and service I have received from Kikoff Lending. Recently, I checked my credit report and noticed a mistake. I was devastated to see a late payment show up from dates XX/XX/XXXX and XX/XX/XXXX. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to keep spreading the good word of Kikoff Lending and will be happy to continue to do so as soon as we get this matter cleared up. Will you kindly send me proof of following proper procedures as i know i wasnt notified 21 days before with a statement as required by Law so there should be no late payments on this accounts.
Product: Debt collection

I was contacted back in XXXX/XXXX/XXXX I received a call from the national credit services collection agency and they stated I had a balance of {$2100.00} from XXXX XXXX apartments and would I be able to make a full payment today? I told them I was a college student who was locked out of my apartment before even going to court to complete the full eviction process and I was disputing the charge. He stated at that time the full amount would hit my credit. I never received any further calls from that moment on until XXXX back two years later and asked if I could set up a payment arrangement they said no the full amount is due. After that I called again in XXXX XXXX and spoke with XXXX and she stated she would be offer a settlement of {$1300.00} but that would need to be paid within the same month. I agreed and told her I would call beck the end of XXXX to make payment. It is now the end of XXXX and I called and XXXX was very rude to me and stated I could no longer make the payment they have been calling and sending out letters for a settlement which I NEVER recieved. So now she stated they would send off the settlement request which has no time frame of when they would get back to me with the settlement amount it could take weeks or months or they may never get back in contact with me for a settlement. I told her I wanted to speak with her supervisor which her name is XXXX and she stated I should call back on Tuesday because she would submit the request for me but when I called back Tuesday she was at lunch and I spoke again to XXXX who stated no update for a settlement has been made and she stated they may never respond for the settlement to be made but I told her again you offered me a settlement before so you are not offering me what we agreed on and she stated I should go ahead and pay the full amount which is unfair and not ethical by any means. I just want to get this taken care of today but they are not willing to help at all and they are not professional.
Product: Mortgage

I am a single father with XXXX children. I signed into a contract with the bank XX/XX/XXXX when I was going through a divorce. I was making payments on this mortgage until XX/XX/XXXX when my monthly payments went up over two thousand dollars A month what they where ( because I was n't able to make A property tax payment ). This was the first time I contacted the banks Loss Mitigation Department. After going to Loss Mitigation Department they keep coming back with payments that where just to high for me to handle and I informed them of that. On XX/XX/XXXX I received a court document stating complaint to foreclose mortgage. When I received this document I contacted the banks Loss Mitigation Department again. Because I was not able to come up with the money they where asking for on a monthly basses. I then started looking into selling the house so that I would be able to pay off the bank holding the mortgage. I put the house on the market looking to sell it as is. I was finally able to find a buyer in XX/XX/XXXX. While going through the process the relator found that the house was sold in a Sheriff Of XXXX  County Sale. I was told that the law in IL was the bank would not be able to put the house up for sale prior to one year of me being notified, which would have been XX/XX/XXXX. I found out they had sold it almost five months early than that date. I was told I needed to contact the banks loss mitigation department. I contacted them and informed them I needed a copy of my loan file, all communication efforts by the bank and or legal team. all they sent me was the XXXX XXXX XXXX XXXX paper work from XX/XX/XXXX. Today I received a Final Eviction Notice along with Order Confirming Sale Dated XX/XX/XXXX. It states that no defendants appearing before the court. I did not know about this court date or any other court date prior.
Product: Mortgage

My ex bought us a home I picked out and gave it to me. I am sole owner on deed for years. I paid mortgage for years and it was CURRENT UNTIL XXXX REFUSED PATMENT My ex and I broke up a di bought home and kept payments current. My ex took bankruptcy. Even though mortgage was current THE MONEY SOURCE NOW REFUSED TO CREDIT MY PAYMENTS. XXXX disappeared. 

XXXX began foreclosure in violation of mortgage as it was current. XXXX gave forbearance but continued to refuse payments. I begged to pay. Then XXXX demanded lump sum in violation of CARESACT and XXXX signed XXXX that were not honored. I have recordings of abuse and dozens of abusive.calls to my attorney as well. I sent in proof of successor in interest weeks ago and XXXX in violation. Again of your regs IGNORES ME REFUSES TO STOP SALE WAITING GO STEAL MY HOME!!!!!!!! 

HELP MENOW!!!
Product: Student loan

I attended XXXX College and had a loan with XXXX XXXX who is now Navient. I have been receiving calls from Navient but also have had written communications with XXXX. XXXX offered me a lower monthly payment which I was paying but I am still receiving calls from Navient saying that my loan is in default. Recently I received a call from XXXX XXXX who works for Navient, she told me that I have to pay a minimum down payment of {$6000.00} in order to catch up and a monthly payment of {$250.00} thereafter. I explained that I am not able to pay that amount and she proceeded to tell me " I ca n't tell you how I know this but I know that your father is able to help you with this down payment ''. I do believe that if she is able to view my father 's credit card availability, THIS IS NOT LEGAL. The same day that she called me she also called my father on his job and told him that she is looking at his credit card availability and so she knows that he is able to make the {$6000.00} payment for me.
Product: Mortgage

As a consumer of Finance of America Reverse I understand it is my obligation to maintain my home in good condition. XXXX XXXX of XX/XX/XXXX caused extreme damage through flooding. To prevent mold wet drywall had to be removed immediately. 

Unable to get response from general contractors to work on my thousand-square-foot, XXXX home, with the help of my family and friends the house was dried out in time. Work repairing damage continued with me as homeowner acting as my own general contractor with tremendous help from my family. 

A flood claim was filed, {$20000.00} advance was received from FEMA within days. The endorsed check was sent to Finance of America where funds were withheld for weeks.

Denied the use of the {$20000.00} advance in making repairs, I borrowed on my mortgage, thereby incurring interest and fees. And I continued to borrow as repair expenses mounted.

The balance of claim {$74000.00} was sent by FEMA to me XX/XX/XXXX. I sent the endorsed check to Finance of America. Scanned receipts of expenses in two batches totaling over {$60000.00} have been sent to Finance of America. Two days ago I received release of funds {$27000.00}, {$47000.00} being withheld.

In my obligation to maintain my home in good repair, I have had to borrow thousands, after having paid for flood insurance, my claim having been honored by FEMA, incurring interest and fees while Finance of America keeps my funds. They have made it extremely difficult for me to maintain my home in good repair. 

This is unfair business practice, an undue burden, adding unnecessary stress in a catastrophe. In the case of reverse mortgages, reasonable to assume users are elderly and therefore even more burdensome. This practice should not be allowed.
Product: Credit reporting or other personal consumer reports

I contacted Trans Union and informed them that I had not authorized any inquiries to be made on my credit. I had not given anyone permission to pull a credit report. Trans Union agent informed me I needed to obtain a police report. I am unable to obtain a credit report from my city as no account was established as a result of the inquiry and no monetary damages were done. The following inquiry is unauthorized : XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a Charged Off on my credit report on XX/XX/2020 for my ( Genesis FS Card Services ) Indigo Platinum Mastercard. In which it was supposed to be a goodwill XXXX Also, I never had a Milestone Gold Mastercard in XXXX. XXXX XXXX 

I want you to know that I understand my financial obligations, and if it weren't for the circumstances of my XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and me being XXXX with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX to XXXXXXXX XXXX  wasnt a great year for me at all. 
I know I missed payments to Indigo Card Services, and it was sold or transferred to XXXX XXXX XXXX, in which I did pay the account off in full for XXXX on XX/XX/2020. I feel that if I didnt suffer through those circumstances Id have an excellent repayment record with Genesis FS Card Services to this day. 
I made a mistake in falling behind but since then, I have been focused on paying off my debt. Since then, I've committed to on-time payments. It comes to my attention that I have a Charged Off account. This blemish could hurt my ability to qualify for a XXXX XXXX XXXX XXXX XXXX XXXX  ; I feel that my misfortunes shouldnt reflect my creditworthiness and commitment to repaying my debts. 
Genesis FS Card Services It would help me immensely if you could give me a second chance and make a goodwill deletion to remove the Charge Off on XX/XX/2020. 
Thank you for your consideration, and I hope you'll approve my request. 

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

error different names on credit report items not mine cra violation no knowledge po report # XXXX c sent XXXX