23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : XXXX ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged partly as deemed by the courts. XXXX ) Liability : XXXX XXXX XXXX - the Defendant consumer reporting agency unsuccessfully argued that, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. XXXX ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA XXXX XXXX XXXX, XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter
Product: Mortgage

I am being told after getting to the end of the refinance process I will have to have my divorce decree amended before I can refinance. My divorce decree states I have 24 months to pay my exhusband the half owed equity in the home . Nationstar is telling me I have to pay him through the refinance. This is illegal. Nationstar is demanding I pay out my husband through the refinance although legally I  do not have to . Nationstar requested I take out a higher loan amount and increase in fees in order to complete their fictitious process. It is a way for Nationstar to continue to hinder home owners by making them take on more debt. Stay away from this company! I should h ave listened to the other comments before choosing this company and wasting over a month of my time.
Product: Debt collection

IQ Data International is a collection agency reporting a current debt of {$2400.00} owed on my credit report, which includes a claimed {$730.00} in accrued interest, and has failed to respond to a simple request for validation. My request for validation letter was confirmed received by IQ Data International via USPS on XX/XX/2021. 

Furthermore, IQ Data International has attempted to gaslight me with mention of a " dispute '' that never really happened and citing yet another debt amount owed ( of {$3400.00}, including a claimed {$1800.00} in interest, noted in attached response letter from IQ Data International dated XX/XX/2021 ). 

The 30-day period for IQ Data International to respond to my request for validation is now long past, and by law they must stop reporting this collection.
Product: Credit card or prepaid card

Used citicard to purchase a car. Placed a temp hold. Bought my car and overpaid by {$3500.00}. Merchant gave me a check for {$3000.00} and a refund via a charge back for the original good faith hold of {$500.00}. I have the refund receipt and original automobile transaction ie ) bill of sale showing the charges. To date XX/XX/2020 Citi has not contacted the merchant XXXX XXXX even though I have called numerous times. Their ( Citicard ) website is very misleading when it comes to disputes. They sent me a letter CONGRADULATIONS we have resolved your dispute in your favor. Three weeks later I was reviewing previous disputes that I had filed in the past and noticed that the dispute for XXXX was still listed. It gave the option to withdraw the dispute so I did. Why, Because the dispute has been resolved in my favor that is why I removed it. They explained to me that by so doing I was acknowledging that I owed the debt. I informed them that no where on that page did it state I was giving up my rights after a resolution has already been granted. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND NO OTHER NAME AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I RECEIVED MY REPORT FROM INNOVIS AND THEY HAVE ME AS LATE FOR MY XXXX CARD. i HAVE NEVER BEEN LATE AND THIS WAS VERIFIED WITH MY CREDIT CARD COMPANY. INNOVIS IS INCORRECTLY REPORTING ON MY FILE WHICH IS AGAINST MY CONSUMER RIGHT ALSO IN VIOLATION OF 15 USC 1681B
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act the following XXXX Accounts has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

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 collection It also states 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 602 A section : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 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

Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct.
Product: Debt collection

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX   XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

THIS IS THE XXXX  TIMES REQUESTING THIS FRAUD ACCOUNT DELETE FROM MY CREDIT REPORT BY LAW. 


THIS XXXX BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 

DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Vanilla VISA gift card in the amount of {$400.00}. On XX/XX/XXXX the gift card was used for the first time and did not go through. Went online to check the balance and called customer services but was told there was only {$5.00} left on the card. The Vanilla VISA gift card was hacked and wiped out. I filed a dispute package on XX/XX/XXXX with information requested to XXXX as instructed. I received a confirmation of receipt ( with incorrect last name ). I was told to wait up to 90 days for resolution and I would be contacted by email. On XX/XX/XXXX I sent an email asking for results since I had not heard back from anyone and it had been 90 days. I received no response. I called customer services at XXXX and was told that there was still no results and to wait another 30 days for update, even though it had been over 90 days already. On XX/XX/XXXX, I was told there were still no updates and to wait for an email within 72 hours. I mentioned to them that they had my last name incorrect and I was told they would fix it. 72 hours came and I still had not received a response. I called again, at this point the process is extremely frustrating, the representative told me that there was still no update and I asked for a supervisor. The supervisor stated that they did indeed found that there was fraud and a replacement VISA gift card was mailed to my home on XX/XX/XXXX. On XX/XX/XXXX I called stating I had not received my card in the mail. The rep stated there were no updates on my dispute ( was I lied to? ) and to wait 72 hours for an email/update. 72 hours came and still no update. I called again on XX/XX/XXXX and again, they tell me there is no update nor know anything about my replacement card. I asked to speak to a supervisor and they stated that the gift card was mailed on XX/XX/XXXX and I now have to wait until XX/XX/XXXX to call back again for an update. This is a joke.
Product: Mortgage

Ditech lied in their response to my last complaint. There should be no late fees from XXXX as all past due amounts through XXXX/XXXX/XXXX were paid on XXXX/XXXX/XXXX. They were paid the ENTIRE amount they claimed was owed. I have recordings to prove they are lying. They need to try again because I can prove they lied in response to you.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding XXXX XXXX XXXX and their handling of my student loan account, which has significantly impacted my credit report and, consequently, my ability to secure a home loan. 

Recently, XXXX changed its company name, but in doing so, they made errors in credit reporting that have caused serious financial harm. Specifically, I have discovered that duplicate accounts were created under both the old and new company names, each listing the same loan balance. This resulted in an inflated total amount owed on my credit report, effectively doubling the debt reflected in my credit history. All 3 credit bureaus reflect this discrepancy. XXXX stated mortage companies use XXXX party companies that could have made the mistake. After speaking with the mortage company they confirmed the duplication shows with all XXXX bureaus. The amount of time and effort to correct this is unknown, it could takes months and now the burden falls upon me. A full time teacher, mom and wife. 

As a result of this negligence, my credit score has dropped, and I am now facing difficulties in securing a mortgage, which has caused considerable distress. The appearance of these duplicate accounts on my report has led to confusion with potential lenders, who have been misled by the inflated debt amounts. 

I respectfully request that CFPB investigate this issue with XXXX and facilitate the correction of these errors, ensuring that my credit report accurately reflects the true amount owed without any duplication. Furthermore, I would appreciate any assistance you can provide in addressing the damage caused to my credit score and the ongoing difficulties in securing a home loan due to these reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX
Product: Credit card or prepaid card

I can tell from the reply and closure of my prior complaint that AMEX did NOT read the full complaint. I fully EXPECT a callback, not a slack jaw half attempt to shove off responsibility AGAIN. 
AMEX somehow added another users bank account data into my account, so when I made a payment ( 3 times ) it was coming from their account. This happened a few months ago as well and I Called in time to have AMEX cancel the transaction, delete the account and make things right. I made a payment and it was fine. So thinking AMEX couldn't possibly screw this up AGAIN, I just kept making payments until I noticed the problem with a XXXX payment. on further research, it was found a total of 3 payments were mishandled. 
All AMEX wants to do it claim I added this other person account ( which is impossible without the whole account number which I could only see the last 4 numbers ) rather than accept they must have a flaw in their data. 
Working in XXXX XXXX for nearly 20 years, I am ready to tell my industry about this openly and let them know the only explanation is a data breach. 
Also, long story short, the bank put me in touch with the person that the account belonged to ( since AMEX chat told me this person 's name ... a privacy breach now ) and She is willing to join a lawsuit with me if it comes to that for mishandling her data. 
So shall we resolve this or let the world know? 
Again, I EXPECT a phone call. Final notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Product: Checking or savings account

around early XXXX i got a text from a postal office or so i thought it was. i was in XXXX, XXXX and recently shipped a package so i thought it was legit. i put in my information and of course it was not a real website. couple of weeks went by and i got a text from someone saying charges were being made on my card. i texted NO it wasnt me and i got a phone call from navy federal it was a spoofed call. the mans name was XXXX and he said he was my case provider and that a loan of XXXX was being charged to my account. he then had to go in my XXXX XXXX and transfer money to a card that he listed. yes seems very silly but at that time it wasnt XXXX and i was in XXXX XXXXXXXX in the cold outside because i couldnt get service inside. from there the phone call ended and i thought nothing of it. the next XXXX i then realized i got scammed and i felt so stupid. i submitted a claim and was given my XXXX back and i thought the claim was approved. couple weeks later the XXXX was negative in my account. i called them again and they said it was cuz my claim was denied and i could submit a appeal and so thats what i did. i wasnt going to pay the negative fees in my account but then somehow it went even and i never did it. ive submitted a couple appeals with evidence and its been weeks and ive not heard anything
Product: Credit reporting

I am attempting to clear collection accounts from my credit bureau file. I paid in full the XXXX listed as XXXX XXXX XXXX for {$120.00}. 
It is still showing on my file. 
XXXX XXXX XXXX would not take my debit/check card as payment only my bank routing # and acct #. I gave it to them against my better judgment. I collection item is still there. 
WHAT DID XXXX DO WITH MY MONEY?? WAS THIS A FRAUD??
Product: Student loan

FedLoan Servicing 

I have been enrolled in IBR, quite successfully, with FedLoan Servicing for over 5 years. On   XXXX   XXXX  ,  XXXX  they received my IDR request to switch from IBR to REPAYE, and said "Within the next 10 days (if not sooner!), we will review your request and send a follow up email of next steps and any additional actions needed."

On   XXXX   XXXX  ,  XXXX , I received a message from them saying "We will send you information about your request as soon as possible... Thank you for your patience as we process your request!"

On   XXXX   XXXX  ,  XXXX , I called them and asked what was happening. I explained that I had submitted a request to move from IBR to REPAYE several weeks previously and still hadn't heard anything. They said I needed to have patience. Then the customer service rep said "oh, it has been a long time, you submitted on   XXXX   XXXX  ." The customer service rep said I'd hear "soon".

On J  XXXX   XXXX  ,  XXXX , I received a message saying:
"We will process your Income-Driven Repayment (IDR) recertification request once the final bill of your current schedule is generated on   XXXX  .
Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request.
Reminder: Continue to make your normal monthly payment amount. Your payment amount may change, but we will notify you of the new amount and when it is first due."

I called them within an hour of receiving that message to ask what was happening and to translate the email. The customer service representative said I'd receive a notice "soon" that would be a $  XXXX   invoice for the next month's payment. After that $  XXXX    payment, I'd be made aware of my new REPAYE monthly payment. And then, in   XXXX   XXXX  , I'd have to recertify my income and calculate a new REPAYE. That seemed reasonable.

Today is   XXXX   XXXX  , and I haven't heard anything. I'm frustrated with the communication and customer service from FedLoan Servicing. I need help. Thank you.
Product: Credit reporting, credit repair services, 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. 

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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit card or prepaid card

XXXX MasterCard allowed some unauthorized charges on the account and after repeated attempts to resolve them, in the meantime they started charging my bank account WITHOUT my authorization. Out of frustration I paid off the account despite having unauthorized charges. To add insult to injury, XXXX then decided to charge me a return charge fee plus interest for the UNAUTHORIZED charge to my bank account. 

AND now they are charges late fees for unauthorized charges and unauthorized fees to my bank account FRAUD ON TOP OF FRAUD!!!