23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My conventional mortgage loan has been with Ameris Bank Mortgage Services since XX/XX/XXXX. 

More details : Loan details Original loan amount {$210000.00} Original loan date XX/XX/XXXX Maturity date XX/XX/XXXX Current interest rate 3.5 % Loan type CONVENTIONAL RES WITHOUT PMI Payments throughout the life of the loan, and before, when serviced by another company, have been mailed and received on time. 

Only with the historic and unprecedented degrading of our post office delivery system, has the bank not received an on time payment. My delays began in XXXX of XXXX. 

Steps taken to correct the late payments : 1. Switched to autodrafting electronic payments beginning XX/XX/XXXX 2. Askes for and received one late payment refund for XX/XX/XXXX. 

These actions were taken without a single communication from the bank on the slowdown in service or any other communication prompting my actions as suggestions. Immediately i started receiving twice weekly annoying phone calls demanding payment. No acknowledgement of my previous on time history given. 

I still have late payments for XXXX and XXXX that should be forgiven but are being refused. Thus my compliant : how can consumers be put into such an awkward and helpless position? 

Ameris Bank does not deserve my business over the way they have not managed this situation. 

I completed my objective entering this compliant. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4100.00} {$4100.00} {$4100.00} No. of Months ( terms ) : - - - High Credit : {$3500.00} {$3500.00} {$3500.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Charge off Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Resident Verify conducted a background check for a housing application I submitted. They put the eviction of another person on my report which resulted in me being denied. I contacted them to request a full report. They said they would send it to my email but never did. This will now result in me having to pay for other arrangements while I get this sorted out. I am supposed to move in a few days but I am at their mercy to correct their mistake in a timely manner.
Product: Checking or savings account

Improper overdraft fee where asset on my checking acct.During time of XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX #. XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,
Product: Checking or savings account

I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Early Warning 's report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.
Product: Credit card

I just got an email from the bank 's card denying a dispute on a fraudulent charge that I disputed. The reason is a service I bought and the service never was as advertized. Now, the bank called Mercury, where I have some business accounts, denied the dispute process because I have made too many dispute requests ( 3 ), where the bank promotes zero liability for fraudulent activities. See the email attached written by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( XXXX  Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX  ). As of today, more than 30 days have passed without a reply from XXXX.

Please investigate this matter as I believe XXXX is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Vehicle loan or lease

Account XXXX alleged account Letter date XXXX XXXX. Non-Disclosure of Material Terms : There has been a failure to disclose critical information regarding the terms and conditions of the agreement. Specifically, I was not informed of the permissible purposes for debt collection or the scope of the waivers I was expected to agree to. This lack of transparency violates both federal law and consumer protection statutes. 
2. Fraudulent Practices and XXXX by Mail : I believe fraudulent activities have occurred, including misrepresentation of terms and deceptive tactics used in correspondence. Using the mail system to conduct such activities constitutes mail fraud, a federal offense. 
3. Improper Debt Collection Practices : There have been clear violations of the Fair Debt Collection Practices Act ( FDCPA ), including harassment, failure to validate the debt, and unauthorized collection attempts. These actions are illegal and have caused undue stress and financial harm. 
4. Violation of Permissible Purposes : My personal information has been used for purposes outside the scope allowed by law. These actions breach federal and state privacy laws, including those under the Fair Credit Reporting Act ( FCRA ). 
5. Excessive Interest Rates : The interest rates imposed on the debt exceed what is allowed by South Carolina state usury laws and federal regulations. This constitutes predatory lending and is both unethical and illegal. 
6. Improper Waivers of Rights : The agreement includes waivers of critical rights, including the right to presentment, notice, protest, and suretyship defenses. These waivers were neither fully explained nor voluntarily agreed to, violating basic principles of fairness and consent. 

These actions collectively represent a breach of trust, legal standards, and consumer protections. I request an immediate investigation into these matters and demand the following : Cease all collection attempts until a thorough investigation is completed. 
Provide a full accounting and validation of the debt, including the original terms, interest rates, and any waivers included in the agreement. 
Correct any inaccuracies in my records and ensure compliance with federal and state regulations moving forward. 


Denial of right to rescind and tender payment 20 days Medical records : Proof of diagnosis, treatment, or hospitalization. 
Doctors statements : Letters explaining how the illness impacted obligations. 
Financial records : Evidence of expenses or loss of income due to the illness. 

I explained t dont remember signing any alleged agreement nor do I understand OneMain harassment. 
My rights to protection illegal activities against health issues
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & Equifax have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX XXXX. XXXX, EQUIFAX AND XXXX have refused to remove an erroneous collections account from XXXX   XXXX EQUIFAX XXXX XXXX are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( XXXX ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to XXXX, Equifax & XXXX via Certified mail return receipt by the XXXX. I am attaching the XXXX letter that is the same letter sent to all three bureaus.
Product: Checking or savings account

My account has been negative and I have also been charged returned check fees or overdraft fees when there was no money in my account for anything to go through. I called to make the changes to my account to ensure this would not happen in the future. However they have repeatedly let companies I asked to be blocked, to charge my card. The policy Im quoted is that they can only forgive my account a certain amount of times within a month. I have not received the money back and over a few years those fees build up. Even when they investigate sometimes its over turned and I literally didnt spend the money.
Product: Credit card or prepaid card

Bank of America responded to my complaint about XXXX ' charges to my credit card with incorrect information. The charges for licensing to FINRA, SIPA, and all of the fees are paid annually on XX/XX/XXXX. for the next year, XXXX. Never for the current year, XXXX. The statement said the charges were for XXXX, when they were for XXXX. My resignation from XXXX was XXXX XXXX. The documents provided from FINRA showed no payment received from XXXX on my behalf. I also provided a copy of the check payable to XXXX for the documentation to FINRA that canceled my affiliation with XXXX  effective XXXX XXXX. XXXX  ' form for XXXX XXXX XXXX XXXX has an authorization block for credit card authorization, that block was not marked giving authorization. XXXX  ' form for licensing has an authorization block for credit card authorization, that block was not marked. There was NO AUTHORIZATION FOR BOTH CHARGES XXXX  IS CHARGING ME FOR. The general purpose authorization form the company uses for credit card authorization has every possible charge for authorization on it. My signature on it RESTRICTED the use to the monthly affiliation fee only as instructed by the company. The E-MAIL sent with the form to the company also restricted the use of my credit card to the monthly fee only. The company did receive the monthly charge for the month of XX/XX/XXXX and there has never been charges to my credit card for any other services ever in the past. Bank of America never ACKNOWLEDGED THE RESTRICTIONS OF ANY OF THOSE FORMS. No Authorization on XXXX XXXX XXXX XXXX   form, No Authorization on the Licensing form and a restriction on the general purpose form needs to be explained by Bank of America where they received my authorization for services I never received. The statement by XXXX and Bank of America that the charges were for the year XXXX are clearly FRAUDULENT. The XXXX forms authorize the company to withhold Commissions for payment and they have. I am still waiting for money owed by them. Explain to me the XXXX of {$4500.00}
Product: Debt collection

I have never actually talked to anyone but they constantly call over and over!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXXXXXX XXXX  XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} 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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter that has been causing me significant distress and financial inconvenience over the past XXXX months. It has come to my notice that there is a fraudulent credit card account listed on my credit report, which is negatively impacting my credit profile. 

I have been in contact with both [ Credit Bureaus and XXXX XXXX XXXX XXXX multiple times to rectify this issue, providing all necessary documentation and evidence to support my claim of fraudulent activity on this account. Despite my efforts and repeated requests for investigation, the erroneous information continues to be reported on my credit profile.

This inaccurate listing is damaging my credit score and hindering my ability to access financial services and products that I need. I have taken all necessary steps outlined in the Fair Credit Reporting Act to dispute this fraudulent account, yet the resolution of this matter remains pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request your immediate assistance in addressing inaccuracies on my credit report, specifically related to several disputed accounts. Despite multiple attempts to have these issues resolved, I have yet to receive a satisfactory outcome. These erroneous entries are severely damaging my credit score and have caused significant hardships in both my personal and financial life.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is crucial that these errors be addressed and corrected promptly, as they continue to negatively impact my ability to secure financial services and manage my day-to-day life.

Please provide written confirmation that you have received this request and will begin the investigation. I also ask that you keep me informed of any findings or updates regarding the resolution of this matter. My goal is to restore the accuracy and integrity of my credit report, and I appreciate your cooperation in taking the necessary steps to make these corrections. 

Thank you in advance for your prompt attention to this urgent issue. I look forward to your timely response and resolution.
Product: Credit card or prepaid card

I sent in a bank check for XXXX ( last four digits of account number written on check ) and a payment stub to Barclays on XX/XX/XXXX. The check was received by Barclays and payment was made by my bank to Barclays on XX/XX/XXXX. I first called Barclays on XX/XX/XXXX to inquire why the payment was not applied to my account. An investigation was opened at Barclays and I have since not been given any acknowledgment that my payment was received despite giving them a copy of the cancelled check from my bank. The customer service reps give me vague boiler plate answers telling me a resolution will come within 2 billing cycles!
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of these inquiries. I am not familiar with them, and the company undertook them without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Experian due to the reporting of a 30 day late payment placed on my credit report by XXXX XXXX XXXX XXXX. According to the contract for the installment loan, the payments for the installment loan was due on XX/XX/2018 and XX/XX/2018, that is what was stated in the signed contract agreement. I made payments according to the signed agreement. According to the contracted agreements and the date of the payments I made, there was no 30 day late payments. XXXX is reporting inaccurate information on my credit report. I disputed the claim with Experian, I even uploaded supporting documentation, and Experian within one day later, stated that there were would be no change to my credit report due to XXXX reported that the information was correct, however ; I provided supporting documentation showing that there is no way I could of been 30 days late according to the contract. I even uploaded my bank statements showing the payment made. Experian did not even bother to investigate into the documents I sent. They are reporting false information on my credit report that is hurting my credit score.