23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently filed a complaint about Bayview Loan Se vicing. There has been some things brought to my attention. XXXX XXXX bought XXXX XXXX XXXX in a Foreclosure Sale. Someone made an offer on the property, they got turned down. XXXX XXXX was the listing agent, XXXX XXXX refereed them to XXXX XXXX. They was told the property was sold but never could find out by who. They submitted another offer was submitted through XXXX green, XXXX XXXX was asked and she told them that she did n't know who the new owners were. The property was Quit Claimed to XXXX XXXX XXXX, Offers were made for XXXX months no one ever said anything about it being Quit Claimed, never was told who they were. Now the property 's servicer 's are Bayview it was listed on XXXX. Ihave found several properties done like this. What concerns me is that XXXX and XXXX XXXX are always the agents and sometimes the property is sold or Quit Claimed to XXXX and/ or XXXX XXXX. It 's always the same people involved.The property XXXX XXXX XXXX XXXX XXXX, TX XXXX was listed incorrectly online but when the people tried to purchase it XXXX tried to sell them XXXX acres, they corrected her she finally fixed it. Another couple tried to buy a house down the road got a USDA loan XXXX XXXX listing agent. When it got to the title company they found a problem, It was brought to XXXX attention she refused to fix it. So the contract got cancelled. XXXX XXXX was the servicers it was a short sell. The couple asked XXXX XXXX for their earnest money back she refused and made all kinds of excuses. They finally threatened to get a lawyer she finally gave it to them. The property XXXX XXXX XXXX XXXX XXXX XXXX still has the earnest money checks. There are a XXXX listed on XXXX that the same people are involved in. The XXXX property had n't went to foreclosure when the XXXX tried to buy it but it has since and all the same people are involved and then both houses are listed same time, same site, and same people.XXXX XXXX took people to court for eviction their lawyer told the people they only received XXXX offer on XXXX XXXX XXXX XXXX, XXXX XXXX 's attorney also informed them that they did n't have a listing agent for the property. The next day XXXX XXXX calls and tells the people that they said things in court about her that was n't true. They had emails and correspondence with XXXX XXXX emails and text. The bank XXXX XXXX mailed letters to the home owners but they used the address XXXX XXXX XXXX XXXX XXXX, TX instead of XXXX, Tx then said people refused certified letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX The account does not belong to me 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 states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I received a US Bank Visa gift card as a 'thank you ' from my employer. I've tried registering the card and logging in online, but I am locked out. No matter what I try online, I'm told to call the number on the back of my card... so I do. 

I've spoken with 5-6 different representatives who have each given me various " solutions ''. None of the " solutions '' have worked. Each representative has been extremely impatient and not the slightest bit helpful. ( I've even been hung up on. ) They have provided no true guidance on how to resolve my issues with the gift card. 

I've been told I need to know the state in which my card was purchased, but it was a gift from a coworker who travels frequently to and from various states. I've also been told I need to register my card via phone, but the keypad option they tell me to use does not exist. And one representative told me I need to fax him my SSN and ID card ... which I'm not doing. 

I would simply like to access the funds I was gifted. Thank you.
Product: Credit reporting or other personal consumer reports

The following information keeps getting sold to new collection companies and never drops off my report. I've asked for proof that I actually owned the account and nothing was ever sent back to me. After I initially started asking the debt kept getting sold on to new collection companies. Even if it was my debt, it's been over seven years and would have dropped off. However, it's in a cycle of never going away and damaging my credit. The dates listed next to each account is when it was sold to the new company. 

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, credit repair services, or other personal consumer reports

ZIONS DEBT HOLDINGS, XXXX and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the XXXX XXXX I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report
Product: Credit reporting or other personal consumer reports

The removal of these unauthorized inquiries that were in my credit report when I checked it today.
Product: Consumer Loan

I have been paying on a loan to this collection group, XXXX, for over 5 years through a credit counseling agency and the collection group refuses to send me or the counseling agency balance due information or acknowledgment of receipt of payments. When I call, they say they ca n't talk to me and when the counseling agency calls, they can not get documentation or a return call. Sometimes the counseling agency is put on hold indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off XX/XX/2022. Here 's my tracking number all my tracking numbers. To remove personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 168. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

From the months of XX/XX/XXXX through XX/XX/XXXX, I have disputed this unknown medical bill on my credit with Equifax, that it is " Not mine, please delete from file. '' I have even called in and spoke to at least 3 different representatives in the last 6 months about removing this erroneous/fraudulent account from my file. Equifax has ignored ALL attempts to get this resolved and has made it hard for me to apply for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I filed a complaint to Experian because there was inaccurate personal information on my credit report. 

XX/XX/21 Experian said they needed my authorization because of a third party? but I am the one who sent the complaint XXXX I got it because I sent a letter on XX/XX/21 about the inaccurate personal information to be remove.
Product: Credit card or prepaid card

I am filing a complaint cause I have had my account used by someone that is not authorized or known. 

In the month of XXXX I had noticed a lot of charges on my account. I had about 5 authorize users on the account that are close and trusted family members. I was not able to get a hold of everyone at the same time so I placed a lock on the account. One of my authorized users XXXX XXXX was in the middle of purchasing a vehicle with XXXX and all my users have my log in info to see transactions. 

He unlocked the card to proceed with the XXXX down payment and he said he attempted to lock the card again but was having issues. 


by the time we spoke more charges went on the account. I let discover know the situation they gave me credit and en of XXXX decided to say I'm responsible for the charges cause the card was unlocked. And the situation was as I stated above. 

I told them what were the valid charges and they have refused to give me credit Since then I removed all my users to prevent something like this happening again
Product: Credit card or prepaid card

Fifth Third arbitrarily reduced my credit limit without reason and without notifying me. This unfounded and malicious action not only reduced my available credit, it drastically increased my percentage of amount owed to amount available. 

This wrongful action has caused more than a 100-point drop in my credit scores and has result in the denial of credit. This is the case even though I have never missed a single payment on any of my credit accounts.
Product: Mortgage

On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX XXXX house in front of assistant clerk XXXX XXXX XXXX XXXX XXXX Clerk of Courts ... acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under fed.statue 1692a ( 3 ) and the creditor under fed.statue 1692a ( 4 ). The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The assistant state court clerk allowed a debt collector fed.statue 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. Clerk also advocated on behalf of the debt collector that the proper procedure for mortgage " acceleration '' was proper without " proof of delivery '' I was denied proper consumer protection in regards to FDCPA statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit is reporting a new collections account on my credit report. The account is from a credit one account that I SETTLED and CLOSED with lawyers hired directly by MIDLAND. 

Early XX/XX/2020 ( payment was deducted XX/XX/XXXX from my checking account ) I settled an account with a lawyer based out of Georgia that was HIRED by midland. I settled the account for WHAT WAS REQUESTED by the lawyer on BEHALF of their client midland ( XXXX ) and I have proof. The lawyer rep explained that the account was settled and there would be no other contact or collection efforts from midland or their office. Now, midland has reported a new collections account. I am furious that THEIR lawyers would lead me to believe I settled my account. I used the funds I BARELY had in the middle of a pandemic, and now they slap me in the face for {$120.00}? I attached the amount being deducted from my account, and on the day. Midland has access to see this, because they received the payment from the lawyer they HIRED. Scandalous and I will ensure I DONT let up about this. As a COMPLETELY XXXX veteran, Im definitely contacting my congresswoman.
Product: Credit reporting or other personal consumer reports

The charge off removed from all three credit agencies. It's against the law to report any agency updates on this charge, which must be removed. This is the last letter about this account. Legal action is next. You have fifteen days to terminate the account.
Product: Credit card

Heres a detailed statement that follows the CFPB guidelines : In XX/XX/year>, I discovered that my Social Security number had been compromised in a data breach and sold on the dark web. As a result, a fraudulent Capital One credit card account was opened in my name without my knowledge or authorization. 

Upon noticing this unauthorized account, I immediately contacted Capital One to report the fraud and requested account closure. I also filed a dispute with XXXX to have the fraudulent account removed from my credit report. Despite providing supporting documentation, my dispute was denied. 

I am requesting a thorough investigation and the removal of this fraudulent account from my credit report, as it is negatively impacting my credit history. 

Would you like to add any specific dates, amounts, or additional actions you took ( e.g., filing a police report or freezing your credit )?
Product: Debt collection

XXXX / XXXX / 2017  Called by a "  XXXX   XXXX  '' who claimed to be working for an unidentified law firm calling in regards to a claim by a  XXXX   XXXX  against our property. Told her we did not know a  XXXX   XXXX , we have received none of the required paperwork and have not been legally notified and asked her to send any info to the address of record. Caller got angry, said she would also send a server and hung up.She did not give any further information. Caller ID traced back t o Zenco Collects,   XXXX .   XXXX    XXXX ,  XXXX , Texas  XXXX . Phone :  XXXX  Email :  XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Today I was made aware of fraudulent accounts/reporting on my credit report, I called in to Experians ( XXXX ) phone number to have these three misspellings of my name removed because I am unaware when it happened, or under what circumstances and companies these were reported from and also what accounts they were ever connected to. Instead of the removal and deletion of these accounts ( which I asked for ), Experian updated all three wrong names that I have no knowledge of, with my real name, putting my real information in. Merging my real information on these accounts that I dont even know about and had NO prior knowledge off. I called in, an they basically saying that its no way to tell whats what because all they see is the updated names. Refusing to go back and seeing what the issue is, but instead telling me to go on a blind mission to try and find whatever it is they messed up, and my main address was also deleted from my credit report, something I never asked to be done
Product: Debt collection

I have been receiving calls from these individuals with no written letter or information about the debt they say I owe. They have been calling my grandparents for months and have now moved on to calling my aunt too. It needs to stop. If this debt collector is real I need it in writing which I have not received. I received a text from my aunt stating they called on  XXXX   XXXX ,    2017  around  XXXX . They also tried calling my grandparents again on  XXXX   XXXX ,    2017  at exactly  XXXX . So they call ed  two third parties within minutes of each other.
Product: Student loan

On a recent phone call a female agent stated I have XXXX loans. Credit reports show I have XXXX. XXXX out of the XXXX loans reports as in good standing since I last reported Nelnet. There are too many discrepancies on my account. My disputes are not about whether I was ever late, but that you cant state I defaulted my loans at the same time yet releasing them from negative back to positive at different times. Speaking to me in a condescending manner and tone and telling me I shouldve been more proactive or responsible to not have faced the problems I did is the most disrespectful thing a company like Nelnet can do. This country doesnt know a thing about compassion or love. What do I expect from a country that tells us to go to college to make more money yet hold us in debt for eternity.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX Attn : Billing Re : Billing Error Dispute XXXX This letter is to serve Chrysler Capital an official notice of dispute for the amount of {$15000.00}. The owner of the above-referenced account, as defined by 12 CFR, 1002.2, is a federally protected consumer.I Am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, Iam demanding you provide me with FULL ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. Please be advised, pursuant 12 CFR 1026.13, this constitutes as they are applicable to this account. UCC 3-306, UCC 3-603 , UCC 3-602, UCC 3-104, UCC 3-311 You may find those UCC codes XXXX XXXX XXXX Having that knowledge, I would like to remind you that 12 CFR 1026.13 ( e ) ( 1 ) reads Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable. I am invoking my specified remedy of having a payment of {$15000.00} refunded to me with an official check payable to XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL Downpayment : {$15000.00} Monthly donations to date : {$880.00} The initial communication was sent on XXXX Per Chrysler Capitals request for account information, follow-up information was provided on XX/XX/ and again on XXXX XXXX XXXX To date, Chyrsler Capital still has not responded.
Product: Debt collection

So I had a XXXX procedure done. Originally I was told with both my insurance it would only be {$7.00}. Great ok so I had the procedure done when I came out I was told it would be {$90.00}, when questioned I was told the need to do extra stuff while do the procedure. I was told while it was happening hey we are having to do extra work or anything. But I paid the {$90.00} anyway right then. So maybe like 2 years ago I see a collection. I call and they say its from XXXX XXXX XXXX XXXX. Well as far as I know I paid. So I called XXXX XXXX, they looked up my record and said they sent a letter With the additional fee. So I said what fee I already paid extra while there. She said my insurance came back inactive. NOT TRUE. so I called the insurance company myself and was told by them, that because I had two insurances they asked them to send a itemized bill of what the other company paid and they would pay remainder. Well they never sent the itemized bill per the insurance company. They company also told me they would still take care of the bill if they send the invoice. So I called back perfect teeth and asked for manager. The secretary who I spoke with earlier said she was the manager and wife of  the dentist that did my procedure. So I told her what the insurance company stated and that if she sent the itemized bill they would cover the debt. She then said she sent the itemized bill they asked for. STOP she had told me in the previous phone call that they said my 2nd insurance was inactive. So I told her that she just lied to me. She then began to yell and say if you had your mail forwarded then you would have received the new bill and wouldn't have went to collection. I told her my husband is military we live on post we had no other bills or mail being sent to us. The XXXX knows where we move, and we had no outstanding bills to have needed to forward any mail. I was told it was taken care of when I left your office. I truly believe they are running a scam. They are charging people extra and because I had 2 insurance they tried to bill them twice for same procedure. Why else would they not send a bill. Even a debt when the insurance is saying they will pay for. They need to be investigated and the matter needs to be investigated. I don't have money to pay a bill I don't owe. The debt is now with Budget Control Service.