23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently, I ventured out on my own as an XXXX. 

I purchased my first new car, as I had been on my bike for the past 3 years. A down payment was required, and new insurance. 

I wanted to come in the following week with cash in hand. XXXX XXXX XXXX said it was fine to post date a check. 

I pulled {$1500.00} from my 401k and deposited it. Inadvertently, I forgot about the insurance payment which was scheduled and it dropped below the amount needed. The check bounced. ( my account shows the deposit, and the transactions stated below -- this was not done on purpose as stated by XXXX. ) To make good, I went to the dealer, with {$1000.00} cash. They did not accept it, and said to wait for the loan company to take care of it. So I did. 

It went to collections. 

Waiting for a large fee from XXXX to come in to my XXXX, and the bill being on net 30 I could not give an exact date to make a payment. XXXX, of Qualia Collection Services, has called my step father, uncle and sister. 

My uncle has never been a reference in my entire life, so XXXX had to look him up somehow, and then left a message about the debt. He ( uncle ) then texted my mother about it. They left messages about the debt with all my family members. 

When I asked her about this she proudly replied collections agencies have info on millions of people. ( on a recorded line of course ) In the meantime, they kept trying to debit my checking account with the routing/account number on the check. This racked up nearly {$300.00} in debit and subsequent overdraft fees. 

I called the bank. I asked to put a stop payment, otherwise Qualia/XXXX/XXXX XXXX XXXX would have continued making charges. The bank refunded XXXX {$35.00} charges, but would not do any more than that. 

Is it legal for Qualia, or XXXX to make debits from the numbers on a check? 

At any rate, I 've sent {$25.00} until the my project fee comes in, at which time I plan to pay the debt in full. 

In recap, Qualia, or XXXX or XXXX XXXX XXXX XXXX debited my account 6 times from the routing/account numbers on the check ( I have the bank statement to show ). They 've researched my family in ways unknown to me and made it uncomfortable and embarrassing. On a recorded line XXXX called me a " liar '' about the architectural fee and stated she would " call my client if she had to. '' Admittedly, it 's taken longer than anticipated to get paid, but I ca n't make it go faster. 

I plan to go to the dealer XXXX XXXX XXXX and pay direct, so Qualia/XXXX does not make a commission. 

In addition, I will write Qualia to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send letters to Experian, XXXX, and XXXX. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit companies, XXXX, XXXX, and Experian continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX  XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.
Product: Checking or savings account

{$600.00} of withdrawals being withheld for security purposes after account and connected account have been verified.
Product: Credit reporting or other personal consumer reports

I was along term customer of XXXX XXXX. They provided us with internet service. When I called to cancel the service they told me what my final bill was and I paid it. Then 30 days latter another bill was sent. And I called they said I still owed more I paid it. Then around XXXX of XXXX. They sent me a bill for there router. I called again. They said that bill was because I never returned the router. I was no aware or was never told they wanted it back. I would gladly sent it. So, I sent it back to them they confirmed they received it. Confirmed by customer service by phone. They then sent me a bill for the router they confirmed they received. And sent the bill to a collection agency. I spoke to thier agency and was assured this was not going to affect my credit. Because they got the box back. 

So, in short I paid them two bills when I was first told what my final balance was to get them out of hair. And they received their box. Its not my fault it took them time to confirm within their own system they received the box back. They are financially affecting me as a XXXX XXXX I willing to take any action against XXXX XXXX thats necessary. They are an awful company. And have ruined a lifetime of credit for a {$100.00} box.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information regarding the CCB/XXXX  account XXXX account number XXXX, that is being reported on my credit report. This account is marked as a charge-off with a {$0.00} balance, yet it remains listed as derogatory. Furthermore, the account details show inconsistencies in the dates reported across the credit bureaus. 

I have already communicated with Comenity Capital Bank, the creditor for this account, to address these discrepancies. However, their response was that they are reporting the account accurately and they would not remove the charge-off or update the account. Despite this response, I am sure the reporting contains significant errors that are not in compliance with 15 U.S. Code 1681s2, which mandates that furnishers of information must report data accurately and consistently.

The issues with the reporting are as follows : The account is marked with a {$0.00} balance but is still listed as a charge-off, which is misleading and not reflective of the current status. 
The Date of Last Activity is reported as XX/XX/XXXX, while the Date Reported is XX/XX/XXXX, and the Date Closed is listed as XX/XX/XXXX. These inconsistencies negatively affect my credit standing. 
The late payment dates are not consistent and are not inaccurately reflected, and I request that you ensure that the payment history, including all late payment dates, is correct and consistent. 

Please note, I have asked for this information but have not received it from Comenity. I have attached their reponse.
Product: Mortgage

I've been working with my mortgage servicing company asking them to offer the investor a negotiated settlement. I've written a few letters to the servicer, Ditech Financial sharing my rationale but Im told that as a matter of policy that's not shared. They, Ditech, simply make an offer to the investor and, neither negotiate in good faith on my behalf nor present my " side of the story '' as it were. Alas, I dont believe they are representing my interests. 
I'd covet help from the CFPB to have the servicer take a more active and productive in role in getting my offer - with supporting documentation - to the investor. 
Additionally, I've been asking for nearly a year to get all interest payment data and total progress on paying down my principal balance and Ditech has been generally unresponsive and what they've provided has been insufficient. So, here again Ditech Financial demonstrates a slowness to respond and is generally less that competent when they do. Frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy being reported can be removed. It has been 10 years. The bankruptcy court said it is up to the credit reporting agency to decide whether to remove it or not. As my credit over the last 10 years has been impeccable, I requested all of the agencies remove the bankruptcy. Experian refuses to remove it for no other reason than it is at their discretion. Well, this is unfair discretion! XXXX XXXX had no problem removing it! 
It should be removed due to the time its been on - 10 years! - not because of any inaccuracy. They refuse. This is unfair at best ; discriminatory at worst!
Product: Debt collection

The defendant, Portfolio Recovery Associates ( PRA ), is attempting to collect an alleged debt from me related to its purchase of a XXXX XXXX account and sued the Plaintiff in state court for {$2500.00}. 
In XX/XX/XXXX, PRA filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX ( case # XXXX ) for an alleged debt of {$2500.00} that PRA claims it was assigned to them from XXXX XXXX XXXX account # XXX ... XXXX ). 
However, PRA 's lawsuit was filed after the XXXX statute of limitations had expired under GA XXXX XXXX, as PRA had XXXX the Synchrony account in XX/XX/XXXX. This means Portfolio 's lawsuit in XX/XX/XXXX was filed on a time-barred debt. 
PRA improperly served the summons to an incorrect address which is why I did not answer the summons. PRA then obtained a default judgment against me on XX/XX/XXXX for {$2500.00} plus {$110.00} in court costs and a writ of fieri facias to record the judgment. 
By filing suit on a time-barred debt, Portfolio falsely represented the legal status and deceptively attempted to collect the debt. This made my private financial matters public record without merit. PRA 's actions have caused me substantial emotional distress, mental anguish, anxiety, and invasion of privacy that a reasonable person would find offensive.

In summary, PRA improperly sued and obtained a default judgment against me on a time-barred debt in violation Georgia state XXXX pertaining to the statute of limitations and the Fair Debt Collection Practices Act causing me significant harm.
Product: Debt collection

I paid {$9300.00} to Novad on behalf of HUD with cashier check. According to my bank, the check was cashed on XX/XX/2021 but I didnt get proof of payment or release on my house title. I called several times to Novad and emailed to HUD but no response. Novad has been saying someone specialist will call you in 4 business days but no one called me.
Product: Credit reporting or other personal consumer reports

A Wells Fargo Credit Monitoring Service was purchased without my permission by either an employee or a customer without my permission.
Product: Debt collection

I have disputed this account with all three bureaus with no resolution. I 've sent numerous letters to each bureau asking for validation and verification of this debt because I know that it is n't my debt. I 've also sent a letter to XXXX XXXX  XXXX asking for Validation and Verification. I received a letter that was sent to me asking for payment from Portfolio Recovery. I have did everything short of filing a police report concerning this debt. It is preventing me from starting my home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have unverified information deleted from my credit report from transunion and XXXX. According to the FCRA if the information disputed is not verified its supposed to be deleted. I wrote a letter to the court asking if they provide information to the credit bureaus and they wrote back saying they do not provide information to the credit bureaus. How do you verify without providing proof? Please advise.
Product: Prepaid card

I am a victim of fraud. The company Light stream asset my credit score. They were not authorized. Please remove from my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 
XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is showing the incorrect amount financed, incorrect amount that was past due and the incorrect amount due as of today XXXX. I paid this off IN FULL on XX/XX/2023. This account is still showing late and reporting late/incorrect to the credit bureaus. This has been past XXXX days as of today XXXX, 3 days from now will be XXXX  days!
Product: Debt collection

They called me 5 times today, XX/XX/20 and hung up on me when I answered the last call and told them to stop calling me. XXXX, Twice at XXXX, then XXXX, and XXXX. 

This company has called me anywhere from XXXX to XXXX 5 or more times a day for the last few weeks, but when I answer and tell them to stop, they hang up.
Product: Credit reporting or other personal consumer reports

Trans union is not in metro 2 compliance and is reporting inaccurate reporting which is affecting my livelihood. The account isnt mine and was never notified nor did i give my consent to furinish anything on my credit report. 15 USC 1681 Permissible purpose, 15 USC 168e ( b ) COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I will go to arbitration if this matter is not handled. I want my {$1000.00} or you will incur more fees as litigation takes place.
Product: Vehicle loan or lease

I have dealt with PNC bank for hours and hours, with no resolution. They have records of me calling in every month to make my payments on time. They reported me to the credit bureau for a late payment ( although I called in to pay on time ), due to the bank who manages my checking account providing me with the wrong account number. They said the only way to correct it would be to mail them a letter, so their research department could look into it and request my credit to be repaired, due to the banks error. I composed and sent a letter. In the mean time, I filed disputes with all of the credit bureaus, and two of my credit scores went back up. The next month, I see that my TransUnion score dropped again, due to PNC bank! I called them and spoke to a supervisor, XXXX. He told me that he did not know the reason why it dropped again, when I have not had a late payment after my credit score went up again ( this was in XXXX ). He said hed escalate it to another department, so it can be looked into. He told me that theyd give me a call back within 72 hours. I have received the call back, but I did receive misinformation. The other supervisor who called me back from this other department told me that they are unable to tell me the reason why my credit dropped TWICE! I would have to submit another letter. They lied. I received a response to my original letter, saying that PNC can not take any action in order to have my credit repaired. I went through all of this effort, with no resolution and with being lied to, and this is all over something that was not my fault!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXXNATIONAL CREDIT SYSTEMS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from EXPERIAN, XXXX, XXXX. 

They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate XXXX  Accounts # - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I woke up to a negative balance of - {$32.00} in my account with no transaction history and when I contacted KeyBank to ask where that money had gone they said they didnt know or it was from a late fee from the previous day that I already paid. And that transaction I have record of but not the mysterious {$32.00} balance that I had to pay.
Product: Checking or savings account

XX/XX/2022- I received an email stating that my account is going to be closed by Gemini and over {$200000.00} of funds will not be returned to me. Gemini updated their user agreement ex post facto to try to steal my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor in that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX : {$5300.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2600.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX : acct XXXX XXXXXXXX XXXX  {$1300.00} Collection -XXXX  : acct XXXX Closed XXXX XXXX XXXX XXXX  : acct XXXX XXXX {$860.00} Late XXXX XXXX : acct XXXX Paid Late XXXX XXXX XXXX XXXX acct XXXX Closed -Credit Collection Service : acct XXXX XXXXXXXX XXXX  {$270.00} Collection XXXX XXXX XXXX : acct XXXX XXXXXXXX XXXX  {$840.00} Collection 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. 16815-2 ( 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 reporting, credit repair services, or other personal consumer reports

All three -- XXXX, XXXX, TransUnion -- were reporting XXXX XXXX information that XXXX XXXX was fraudulently reporting to them. 

I made payments on one student loan account at XXXX XXXX. In XX/XX/2019 I asked XXXX XXXX to place the account in deferment because the student was still in school. They verbally agreed, sent me a notice on their " secure email '' portal that they could do so on my EFS account but would need to speak to others if I wanted any assistance on credit card payments. I did not need assistance with the credit cards and did nothing along that line. 

One dirty little secret is that XXXX sets up additional student loans under the same account but with " sub-account '' numbers. I made payments via the top level account. 

I checked my account in XXXX and the account appeared to be properly deferred and not requiring payments. 

Suddenly in XXXX _two_ delinquent accounts showed up on my credit reports, both from XXXX. One account showed " pays as agreed '' in XXXX then 30-days-late in XXXX. The other account showed " pays as agreed '' in XXXX then __60-days-late__ in XXXX. 

I immediately called XXXX, paid everything they said was owed, and they indicated they would remove the reported delinquencies. They never did. And their " secure email '' is apparently no longer in the system and does not show up in my " secure email '' portal any more. 

1. It is IMPOSSIBLE in this universe for an account to go from " pays as agreed '' to 60-days-late in a single month. This alone is FRAUD. 

2. XXXX XXXX buries the fact that even though you have one main account number, and make payments on that one main account number, that all of the " sub-accounts '' are reported individually. This is also FRAUD because it is like a credit card company claiming that each transaction is a separate " account ''. I had two student loan TRANSACTIONS with XXXX. They were paid under ONE ACCOUNT NUMBER. But reported as two accounts? And then, the one account on which I was paying goes from " pays as agreed '' to *BOTH* 30-days-late *AND* 60-days-late??? FRAUD. 

I talked to XXXX XXXX MANY times to attempt to resolve but they refused to remove the fraudulently reported information. 

I disputed multiple times with all three reporting agencies. But their online dispute forms make it very difficult to explain precisely WHY the information is wrong, so it kept coming back onto my reports. 

I finally submitted disputes via the " other '' reason that allowed me to enter an explanation. 

XXXX removed the information. And it has stayed off. 
XXXX removed the information. And it has stayed off. 

TransUnion REFUSES TO REMOVE THE INFORMATION. 

It is ALSO an impossibility in this universe that XXXX XXXX allowed XXXX and XXXX to remove the fraudulent information but told TransUnion to keep it. 

MORE FRAUD.
Product: Credit reporting

I attempted to obtain a consumer report relating to my banking history via a telephone call to Early Warning Services. Early Warning Services is a credit reporting agency and is listed on the consumerfinance.gov website. 

During my phone call to Early Warning Services, I was told that I could not have my credit report because Early Warning Services could not verify who I am. 

I was told during the phone call to Early Warning Services that I would have to fill out a form, submit documents and wait for a month before I can receive my credit report. 

Early Warning Services is withholding information that I need and I want my credit report.