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

XXXX XXXX XXXX has repeatedly misrepresented and falsely reported payment history as recently as XX/XX/XXXX, of which they autodrafted ach payment and yet report payment as not received to Equifax and Experian. Information on my account with them to Equifax credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment. 
XXXX XXXX XXXX XXXX is an online lending platform and online lender. I have a loan issued XX/XX/XXXX for a term of 60 months. XXXX  is in violation of the FDCPA ACT and engages in predatory lendly practices namely falsely reporting payments as never received and often reporting account as past due. XXXX XXXX XXXX, reported the XXXX and XXXX payment due by XX/XX/XXXX and XX/XX/XXXX despite having received the payments on line on time directly from me and on time via their website payment form. They tanked myXXXXFICO credit score XXXX points at Experian credit bureau ( Experian. XXXX, TX ). I filed a dispute with EXPERIAN after XXXX refused to correct this reporting. Additionally. I FILED a complaint with Consumer Finance Protection Bureau. The disputes and complaints have not resolved the false reporting by Experian and Equifax issued by XXXX. I am initiating legal action as XXXX has deceptive payment platform an will only accept payment ACH draft.
Product: Debt collection

I was a victim of fraud. The card was through XXXX, Citibank. Was turned over to debt collection called XXXX XXXX XXXX XXXX they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!
Product: Debt collection

I initially got a student loan from XXXX to go to school to become a XXXX XXXX. When I was first applying for the loan I asked them verbatim if there was interest on the loan to which they responded there was none. A year later, I was unemployed for a time and during communications with XXXX of the self proclaimed debt collector agencies/ XXXX XXXX that apparently held the loan instead of XXXX which was who I thought I was borrowing from called to see if I could make payments to them. I advised that I could not at the current time and since then they have called every day until recently where it started to slow down since I told them over the phone they were likely violating debt collection policies and that I would seek action against them for it. The current situation is that I called to ask how much the remaining debt was because I intended to pay the remaining balance in full, but I realized that the number I called was a secondary debt collection agency who also was calling me to collect a debt and I hadn't realized they were a different company until I actually spoke for a longer period of time on the phone with them. They gave me an amount that differed from the amount I was told by the first debtee / debt collector and gave me contact information for the first company to call them and get more information. I then called them back and during the ensuing conversation found out that my loan had apparently had interest day XXXX and the XXXX company had no control over the loan and had just provided misinformation despite being the first point of contact with regards to getting the loan as if they had told me it had interest I would've never taken it. The summary of issues that I believe are a mixture of poor adherence to the guidelines of debt collection as well as bad communication. There were XXXX self proclaimed debt collection agencies which when asked " are you a debt collector '' responded " yes '' who have been in contact with me constantly calling all the time from phone numbers all over the XXXX including XXXX I have been getting mixed information on the amount actually owed varying by about $ XXXX, and getting lied to initially about the interest on the loan which was what led me to not worry about it while unemployed mistakenly thinking I wouldn't have been accruing interest. I apologize for not having lots of hard evidence to give since most all of these interactions occurred over the phones but I suspect the companies involved have their calls logged to be compared. For reference the XXXX companies involved are XXXX, XXXX XXXX, launch servicing. XXXX XXXX and launch servicing are the debt collectors in question. Also as an additional note in case this is also a violation, several times when I called XXXX XXXX to ask if they were debt collectors they would not answer my questions until provided further information which seems sketchy to say the least.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that FMA Alliance has unlawfully reported an unauthorized inquiry on my XXXX consumer report. I have not given permission for FMA Alliance to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with FMA Alliance. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FMA Alliance for review or collection. I wrote to FMA Alliance on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve this issue to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) ( 2 ) to establish permissible purpose and they have provided no such documentation.

Details of Violation : Date of Unauthorized Inquiry : XX/XX/XXXX Consumer Reporting Agency : XXXX ( 1 violation ) By obtaining my consumer report on the aforementioned date without any permissible purpose, FMA Alliance is in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1681b ( f ) ( 2 ), and15 U.S.C. 1681e ( a ). Therefore, FMA Alliance has committed 15 U.S.C. 1681q, which is tantamount to 18 U.S.C. 1028A. This statute invokes 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gramm-Leach-Bliley Act  ( 15 U.S.C. 6823 ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports.

Statutes Violated : 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that I have a current derogrtory account was falsely furnished to XXXX, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019 file a disputed against TransUnion to verify 2 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and. I asked simply for these account to verified and that send contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.
Product: Mortgage

( 1 ) I am an African-American citizen residing in XXXX XXXX, PA. 

( 2 ) I executed a HELOC mortgage loan contract with XXXX  XXXX XXXX on XX/XX/XXXX. The original HELOC contract has never been modified and the terms and conditions of the HELOC contract do not specify any " balloon payment ''. 

( 3 ) I received a letter dated XX/XX/XXXX stating that the ownership of my HELOC loan had been transferred from XXXX XXXX XXXX to an organization named " Towd Point Master Funding Trust XXXX ''. The XX/XX/XXXX letter states ( in part ) : " The assignment, sale or transfer of your mortgage loan does not affect any term or condition of your Mortgage, Deed of Trust or Note. '' ( 4 ) I received a letter dated XX/XX/XXXX stating that the servicing of my HELOC loan had been transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " SPS '' ) effective XX/XX/XXXX. The XX/XX/XXXX letter states ( in part ) " [ n ] othing else about your mortgage account will change '' and " [ t ] he assignment, sale or transfer of the servicing of the mortgage account does not affect any term or condition of the mortgage instrument, other than the terms directly related to the servicing of your mortgage account. '' ( 5 ) On or about XX/XX/XXXX, I received a final written monthly statement from XXXX XXXX XXXX stating the current HELOC balance due was {$79000.00}. The final XXXX  XXXX XXXX XXXX statement covers the billing cycle XX/XX/XXXX thru XX/XX/XXXX. 

( 6 ) On or about XX/XX/XXXX, I received an initial HELOC statement ( dated XX/XX/XXXX ) from SPS stating the current HELOC balance due was {$86000.00}, including a " balloon payment '' of {$8300.00}. This initial SPS HELOC statement characterized the new balloon payment as follows : " The Outstanding Principal balance includes the Interest Bearing Principal balance and the Deferred Principal balance. The Deferred Principal balance is not subject to the charged interest rate and will be due as a final balloon payment on the earlier of ( a ) payoff of the Interest Bearing Principal balance, or ( b ) maturity date of the mortgage loan. '' ( 7 ) Towd Point Master Funding Trust and SPS have unilaterally and unlawfully modified my original HELOC contract and added a new {$8300.00} balloon payment to my HELOC contract. I have included the preceding twenty-five ( 25 ) XXXX  XXXX XXXX monthly statements as evidence that this balloon payment did not exist until after Towd Point Master Funding Trust XXXX and SPS acquired my HELOC contract. 

( 8 ) I request that Towd Point Master Funding Trust and SPS ( 1 ) immediately cease and desist their efforts to collect the illegal {$8300.00} balloon payment and ( 2 ) notify the Pennsylvania Attorney General and all credit reporting agencies regarding its unlawful collection efforts in this matter.
Product: Bank account or service

On XXXX XXXX, 2015 I called into Bank of America to see why a credit had not been dropped due to processing error by the merchant. I contacted the merchant XXXX XXXX on XXXX XXXX, 2015 to make sure the payment was not processed. I spoke with the resoulitions mananger at XXXX XXXX named XXXX and she made sure the payment was not processed and was immediately refunded to my account. While speaking with Bank of America on XXXX XXXX, 2015 they told me that the payment would drop off in their overnight processing system and any fees associated with the account would be immediately refunded. However as of XXXX XXXX they payment of XXXX has not been dropped of my account and I have incurred over 210 dollars worth of fees because the payment as not dropped due to Bank of America not releasing the funds and steadily charging me outrageous fees. Due to Bank of America not processing the refund accordingly my account is now overdrawn XXXX due to not fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to attempt to obtained credit with out my knowledge this have severely effected my credit score i reached out to each credit company and they have done nothing to help me.
Product: Credit card or prepaid card

I logged into Equifax to try and lift a freeze to apply for a credit card and they couldn't verify my identity even with my social security and all other information because I didn't have a credit card already set up. I just wanted to temporarily lift a freeze, and XXXX other companies would let me, but since I didn't have a credit card they wouldn't let me.
Product: Debt collection

In XX/XX/XXXX I leased XXXX XXXX and in XX/XX/XXXX, I returned this car. I leased XXXX XXXX XXXX from XXXX XXXX XXXX. Before I leased this car, they run my credit history and never missed any payment and have an excellent credit history. 10 days ago I received call from the company All Trans Financial, Phone number XXXX. XXXX XXXX threatened me that they I owed money. I explained him, that I can not get new car from the same company if I owed money. Every month money goes directly to XXXX XXXX  from my checking account. XXXX not only threaten me also told me that Trump can deport you. He called me many times to my house and my cell phone. I did not owe a single penny to XXXX XXXX. You can check my credit history that my XXXX account closed and never make any late payment. Please stop them to play with my credit history. I explained XXXX that why XXXX company never called me and they gave my new car if I owed any money. Please help me. I XXXX XXXX in University and never owed any money.
Product: Debt collection

This credit reporting company refuses to work with me with payment plan after my financial position has changed finally after many decades I have offered to pay atleast {$500.00} a month in a XXXX medical debt balance so i can still pay my regular bills and other debt that i have been paying only company I have problems is this one I have paid multiple collection agencies recently only this one is different t, they do not want to work with me instead suing me almost every time I have gotten sued 3 times I always communicate with them I had a payment plan with they for Mondays my check was late on morning they ran my card and got declined on a Monday I called like 4 hours later made a payment still that same day and they took at as missed payment and sued me I have talked to the main person in charge at ingenuity collections ( XXXX ) even have a recorded phone call with him telling him my situation has changed and really to get aggressive he dont care, XXXX dont care if i can pay my bills now he just wants to sue me and destroy my credit according to him hes always had attitude uses my past financial situations to think its still the same and they including my medical debt in my credit report if I dont pay the {$16000.00} they dont care if I didnt make money before even though right now my financial situation has improved after obtaining a degree 2 years ago I can do it now paying debt with out affecting my personal bills with family they dont care they just see me not making payment years ago I can pay now plus this debt is very old and somehow they make it seem like its under XXXX XXXX XXXX its like XXXX XXXX XXXX. They said they going to ruin my credit report unless I pay I have kept communication with them but this dont matter, I saw a new collection on my credit report and it says medical so they still doing it they suing me and putting it on my credit report they dont care they want to destroy my life. I thought new rule enacted by CFPB on XXXX XXXX prevent this regardless of medical debt
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX, has violated my right. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 2 : it also state a consumer reporting agency can not furnish a account without my written constructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 report agency can not furnish an 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, I am a victim of identity theft. I am writing because I did not make the change and I need the following information removed that is listed in the report. I ask that the items be deleted to correct my credit report. The theft of my identity was reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

DUE TO IDENTITY THEFT, THESE EXPERIAN INQUIRIES DONT BELONG TO ME, PLEASE DELETE FROM MY EXPERIAN PROFILE. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In late XX/XX/XXXX and early XX/XX/2018, 4 fraudulent withdrawals were made from my bank account ( s ) with Bank of America. These transactions were : {$900.00} Cash Withdrawal in  XXXX XXXX, CA on XX/XX/2018. A Fraudulent check for {$2300.00}, returned on XX/XX/2018. A fraudulent check for {$2200.00}, returned on XX/XX/2018. A fraudulent check for {$2100.00}, returned on XX/XX/05. 

Upon first noticing the fraud on XX/XX/2018, I contacted Bank of America, and they closed my then-current account to open a new one. In subsequent days, the additional fraudulent transactions listed above came in - including one in the NEWLY OPENED bank account, for which I hadnt yet received a Debit Card or PIN ( because the representative forgot to send it to me, which was indicative of my entire experience with Bank of America throughout this long process ). This means that, despite my account being locked and a fraud alert being placed upon it, a teller at some branch allowed additional fraudulent activity to take place.

The fraud department has told me that an investigation will take 60 business days to complete. In the meantime, my entire bank accounts balance is locked to me. Bank of America refused to issue me a credit, stating that these transactions would require my PIN number - something that I have never told anybody, but which could have been stolen in any manner of ways.

I have filed a police report regarding this issue, but this has not sped up the process whatsoever.

The fraudulent checks have a signature on them that purports to be mine, but is not my signature. Bank of America knows what my signature looks like, and chose not to verify it when cashing these checks. In addition, these checks were for a far higher balance than any normal transaction in my bank account. They failed to do their due diligence, and expect me to suffer while they take their time.

Bank of America constantly talks about how they protect the consumer from fraud, but when I needed their help after being a customer for 10 years, they told me that I just had to wait while they took their time to conduct an investigation. I am tired of waiting. I have received no new information for over two months, and I want action on this immediately.

They have even started sending me emails stating that I owe them money due to these fraudulent transactions.

When all the fraud is removed from my bank account, I should have a balance of {$950.00}. I want this money returned to me without delay.
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 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  Dept of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX mutual in. co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XXXX XXXX XXXX section XXXX A. XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

I GET THE UCES PROTECTION PLAN AND I MAKE ALL MY DISPUTES ON XX/XX/2021, AND NOW 59 REGULAR DAYS THEY DON'T MAKE ME ANYTHING WITH MY DISPUTES
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning an auto loan with account number XXXX. Despite my efforts to resolve this issue with the credit reporting agencies and the creditor, the incorrect information remains. 

Discrepancies Noted : Inconsistent Balance Information : XXXX reports a {$0.00} balance, while Experian and XXXX report a {$17000.00} balance. 
Inconsistent Date of Last Payment : No date provided by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 
Inaccurate Reporting : The repossession entry does not accurately reflect my payment history. 

I attached proof of identity and document thats showing inaccurate.
Product: Debt collection

The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed.
Product: Credit card

I have called multiple times and have no had multiple cards sent to me only to be returned. The first time they told me i filled the application out wrong, I didnt, I doubt checked the paperwork. Now they are telling me its my problem and I need to call XXXX. 
The way XXXX from XXXX with an employee number of XXXX ... ..I didnt get it all because of here rudeness. I asked her to slow down so i could write the info down properly ... She slowed to an insulting speed. 
I asked for XXXX XXXX  supervisor. XXXX 's supervisor called XXXX to figure out why im not getting mail. I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past 30 days, items listed in attachment must be deleted. Proof attached, includes certified return receipt.