23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was place on my credit report on XX/XX/2019. The amount was for {$430.00}. The collection agency was Phoenix Financial Services. I contacted this company on XX/XX/2019 and XX/XX/2019 about not opening this account and could they send me proof that I open this account. As of yet I have not received anything. This account was sold to them by XXXX XXXX XXXX. I file a dispute with XXXX and was told the information was accurate. I disagree with the result and how they came to this conclusion. How much investigating did they do? Did they see the proof that the company provided? What about proof that this account was open via computer with no signature to verity the authenticity? And how did they come to this conclusion in such a short time?
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right toprivacy. 
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.
Product: Debt collection

Hello, My name is : XXXX XXXX XXXX I was a victim of a crime in Florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I was a victim of a crime, the state of Florida paid all my medical bills. This bill is for the ambulance that took me to the hospital. The original debtors ( GLOBAL MEDICAL RESPONSE ) were paid but didn't mark it as paid. Then 7 years later I just got contacted by ( XXXX XXXX XXXX ) saying I owe a collection account of {$460.00}, that past is due as of XX/XX/XXXX. They have already marked my credit derogatory. I never once in 7 years was contacted by the original debtors saying I owed any money. The judge and police officer in the case said all the bills were taken care of and paid for. I believe this was a filling error. According to the state of Florida, they received the money and probably didn't mark it as paid, then sold it over to a new debtor 7 years later in a mass sale of debt clients. I know this to be true because my medical bills exceeded {$18000.00} and everyone else got paid. This was for an ambulance service and was the very first bill I submitted to the state. According to Florida law I and not liable for any medical bills in my scenario since I was a victim of a crime that they prosecuted. 

In accordance with the Fair Credit Reporting Act XXXX ACCOUNT # XXXX, PHOENIX FINANCIAL SERVICE has violated my rights. 

15 U.S.C 1681 section 602A. 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
Product: Debt collection

As mentioned to Capital One, I did not open an account with this company. It may have been a result of someone using my personal information. Capital One has not produced any physical documentation after various requests. They do not have a copy of any contract that I, myself, have signed or even have a copy of the ID used to open the account. Anyone who may have had access to my personal information may have opened this account. My request for a reasonable investigation has yielded nothing more than the " XXXX '' " verification method, which has done nothing but match information already recorded. Capital One HAS NOT investigated who may have actually opened this account, by sending me a copy of the contract and/or ID used to open it.
Product: Debt collection

I try to explained it to them about my situation with my job and the reason why I couldnt make payments on my credit cards. I lost my Job around when the Covid started and also around that time my ex husband was XXXX and i couldnt find anyone to watch my kids at the time, so i spoke with them if they can give me time to get my situation situated then i can start working extra hours to make payments but they didnt want to, They told me that if I dont make payments they are going to reported and it will not be looking good on my credit report, and plus I will not be able to approve for anything and the possibility will go to jail. I am trying to get a car and a house for me and my kids but I cant do that with all debts i have on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has openly and continuously discriminating against me as a consumer which is breaking the law. 

Pursuant to 15 U.S Code 1681 ( B ) ( XXXX ) Permissible Purpose. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

- I have not granted nor given written consent for Equifax to Furnish my Consumer report. Neither did I grant permissible consent for them to disclose my personal information. I have a right to privacy. 

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; -Equifax has a grave responsibility with fairness impartially and respect for the consumers right to privacy. 

Currently through Equifax they have denied me from being able to view in accurately assess my own credit report through equifax.com
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$7900.00}
Product: Debt collection

Im disputing owing any and all debts I am also revoking all rights of them communicating with me through email text and calls. Im requesting debt validation I am also requesting the purchase agreement between the debt collector and the original creditor Im also requesting they furnish proof that they are licensed and bonded.

The collection agency has not provided validation information but yet placed a collection on my consumer report. I have not been given a chance to dispute the account. The collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 10th time I have complained about Experian not deleting an address that's not mine and I never lived there and they are still not removing it. I will include a screenshot of the information as of today XX/XX/2023. 
Please remove this address from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX
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 rioghts and confidentiality under 15-USC1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I looked at my XXXX credit report XX/XX/year> and noticed some things that are incomplete and not accurate. In accordance with the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 innacurate.
Product: Mortgage

Three weeks ago I recieved notice from Tennessee Farm Bureau that they had not received payment from Shellpoint Mortgage for my Home insurance and the policy had cancelled. I am escrowing and this policy was the responsibility of Shellpoint Mortgage Servicing. I called Shellpoint and when I asked their agent why the policy was not paid she gave an answer that made no sense. She said that the policy was not set up in their system to 'auto renew '. All of my policies auto renew. I've owned my home since XXXX and I've never had to explicitly tell the mortgage servicer if the policy auto renewed or not. Shellpoint is a new mortgage servicer. My loan was transferred to them around XX/XX/XXXX. The agent then apologized and said she would make sure the payment was expedited. I was able to three-way the call with my insurance company and the Shellpoint agent, who after speaking with her manager, came back to the phone and proceeded to tell both the agent and myself, that she would expedite payment and she took the address from my agent to expedite the payment. I thought the matter was resolved. I later learned that Shellpoint did not send the payment as their agent had promised ( with no notification to me ) and that Shellpoint continued to steadfastly refuse to make the payment, allowing my insurance policy to remain cancelled. 

Yesterday I recieved an email from the insurance company stating they never recieved payment. I then called Shellpoint Mortgage back and spoke to a different agent. The agent stated that they did not make payment and would not be making payment because home insurance was not something they paid. They paid the very first policy. But for some inexplicable reason decided to no longer pay my insurance policy. However I am escrowing for this policy to be paid. At this time shellpoint had put me in their hazard insurance and was evidently preferring to keep me in their sky high hazard insurance while refusing to pay my policy. 

The agent never did explain how to get the matter resolved. The first agent who said she would pay the policy evidently never put notes detailing our conversation either. I asked to speak with a manager. I spoke with XXXX XXXX. She said she did not know why my insurance policy was not paid and that the insurance dept was closed. She told me to 'call back '. I requested she have someone call me back. She refused. She said they could not request call backs. 

I need my insurance policy paid. After multiple phone calls with Shellpoint they have yet to articulate a good reason for refusing to pay and they have not provided me with a resolution. I am deeply frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports requested by XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contained these " Key factors that adversely affected your credit score '' : XXXX. XXXX : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX 

XXXX. XXXX : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX XXXX. 

XXXX. Equifax : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed 5 accounts ( on XX/XX/2020 ) that were closed from my Equifax credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted Equifax and they stated that XXXX requested to have them removed. I then contacted XXXX and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charge fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX for {$10000.00} with a down payment of {$1500.00} on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Vehicle Had A Bad Transmission that required Replacement that exceeded XXXX XXXX XXXXf the Loan with Credit Acceptance Corporation, A Retail Installment Contract, Which is A XXXX XXXX, within XXXX business days and the contract being signed on the weekend, A Saturday and by Friday the upcoming week XX/XX/XXXX it was diagnosed with a bad transmission, XXXX Feeble Attempt by the Finance Company To Electronically Give Me ( XXXX ) One-time Payments of {$480.00} for the sum of {$1400.00}, which doesn't even cover 50 % of the required transmission cost or any of the labor which is {$1700.00}, {$1700.00} for the transmission, meaning the vehicle is junk.Breach of Contract, I request it be Removed Totally from both Our Reports and I want to File For Actual Damages.
Product: Debt collection

Your company XXXX never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature. 

These alleged debt accounts are being reported on my credit report under the account number XXXX
Product: Credit card or prepaid card

I purchased goods from The XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$970.00} on XX/XX/2021. Not all of the goods were delivered. The merchant is nonresponsive, the company is in bad standing with the Kentucky Secretary of State, and XXXX reports that the business is permanently closed. Accordingly, I assume there is no valid and collectible warranty on the portion of the goods I did receive, and I am requesting a chargeback of the entire amount of {$970.00}. Citi has refused to process the chargeback and displays an error when I try to initiate one. Please see attached information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

This company is reporting fraudulent inaccurate information on my credit report. I have continuously requested that they provide the purchase agreement and other listed documents to show full ownership and have yet to receive any of the requested items after multiple attempts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has inaccurately reported a collection account on my credit report. The account in question is incorrect and should be DELETED from my credit report immediately. 
Despite my efforts to dispute this matter directly with Experian under my rights outlined in the Fair Credit Reporting Act ( FCRA ), the issue has not been resolved.

Relevant FCRA provisions : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum possible accuracy in the information they report.

I have provided Experian with evidence supporting my claim to investigate and remove this account from my credit report as soon as possible. This inaccurate information is unfairly damaging my credit score and causing unnecessary financial hardship. I request that the CFPB investigate this matter and ensure XXXX complies with the FCRA by removing the inaccurate collection account from my credit report immediately.
Product: Checking or savings account

I had XXXX dollars in overdraft fees applied to my account on XX/XX/XXXX and XXXX even though my account was always brought back to balance before the next day by transferring funds from my savings account.
Product: Credit card

7 months ago, I did a return that was refunded to my credit card. Since I had done a return and had a long payment history, I specifically contacted American Express customer service last month over text and asked what my remaining spend was for the Blue XXXX XXXX welcome bonus. They told me I had to spend a XXXX XXXXXXXX dollars by XX/XX/XXXX. I made an XXXX dollar purchase and received the bonus. However, later they charged me XXXX dollars and said that this was due to the return I did 7 months ago. 

It is worth noting there is no way to tell in the app or otherwise the remaining spend without contacting customer service. The idea that a company can tell me through their sole communication source an " incorrect '' number, and then renege on a money offer is disappointing. 

I contacted AMEX over this issue and did not get a satisfactory resolution.
Product: Debt collection

Restating my concern for record that CDR dba Genesis did in fact contact me knowing that a cease and desist was noted on my account. Genesis claims it to be a courtesy call however, citing FDCPA : 6. Ignoring cease and desist requests. If you send a letter to a debt collector asking them to stop contacting you, they are required to do so, except to inform you that they will take a specific action, such as filing a lawsuit. Ignoring your request is a violation of the FDCPA.
Product: Credit card

i just opened a bank account with wise debit at XXXX XXXX XXXX XXXX and they have ended their relationship with XXXX XXXX XXXX they did not tell me that, while i was making my account, then they debit card forces you to pay a fee or fine to send the cash back to your original debit card but charge you to do so, then they want your bank details and not your debit info which is inconvenience, they also force XXXX dollars out of your debit and bank and credit card accounts and scam you, they don't ask and give you a way not to give them your cash, and they ask you to put XXXX dollars in their bank so if you want to transfer it back to your orginal bank, you don't have a choice but to pay a fine just to get some of your cash back, and not all, i am being scammed, i told customer service and they told me to pay the fine and this is not right, for a card that is not allowed in the usa any more and I am not allowed to get a card, also it is a scam to force XXXX dollars out of my bank then charge me a fine for sending it back. I don't want to pay a fine, I want my full cash refund back.
Product: Credit reporting or other personal consumer reports

My credit report had a data breach upon checking my credit report I seen some inaccurate inquiries on my report therefore all inaccurate inquiries need to be removed immediately, I XXXX XXXX, consumer, and natural person. I am aware of all my rights that I have and which are protected by the Congress under the fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality on 15 U. S. C 1681 15 U.S.C 1681 section 602 A states I have the right to privacy, 16U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without any written instructions. Thank you XXXX XXXX
Product: Bank account or service

I have had Wells Fargo as a secondary bank account for years and have had to close my account for too many issues regarding fees and fraud. The final straw was a fake check that was allowed to be cashed and the horrible way in which it was handled in order to have the money replaced. It was a substantial amount and until the police became involved, I was getting resistance from Wells to put the money back even though they admitted that the check was fake, not written or approved by me, and that it may have been an inside job.
Product: Checking or savings account

On XX/XX/22 Ad Astra Recovery Services Inc. gained access to my checking account and I am unsure how they did it but they wrote themselves out a payment check for the balance I owe Speedy Cash ( speedy cash sold my debt to Ad Astra ) of {$590.00}. I did not give anybody permission to do that nor did Ad Astra have a court order. I called Ad Astra today ( XX/XX/22 ) in order to find a solution to paying of my debt and was basically told by the woman I spoke to that it was an attempt to collect a debt and that they had sent letters and had called me about AND that if I didn't resolve the issue they would basically gain access to my account again and attempt to take out the money again.