23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

AFNI is reporting that I owe XXXX {$1400.00}. This account could not belong to me, as it was opened when I was still a minor. I have contacted AFNI on several occasions to alert them of their error, and even disputed this account with the credit bureaus. Unfortunately, AFNI will not remove this mistake from my credit report.
Product: Mortgage

On XX/XX/XXXX our mortgage was transferred by XXXX XXXX XXXX M & T Bank/XXXX. Since that date, I have made every payment on my mortgage. I have not received a statement from either entity acknowledging my payments or telling me how the money was allocated. I did get an incorrect statement from M & T in XXXX, with a corrected statement regarding what I had paid in interest and property taxes that actually indicated what my mortgage balance was. I applied for mortgage modification last XXXX and made the indicated trial payments on time. When I got the information for modification, there was NO reduction of the 6.375 % interest rate, simply the offer of a new 40 year mortgage. This was not at all satisfactory and our bankruptcy attorney said to not return the document. ( we filed for Chapter XXXX bankruptcy XX/XX/XXXX ) I have received several calls from XXXX re. the modification and told each person it would not be signed or returned XXXX weeks ago I had a letter from XXXX telling me that the modification had been denied since it had not been returned on time. This letter also said we had been " conditionally approved for the following liquidation options : Sell the Property, Short sale or Deed in Lieu of Foreclosure. It also indicated that if I did not complete a list of documents within 37 days, foreclosure proceedings would be taken. I am NOT behind in my payments nor have I missed any. I do NOT know where I stand with my mortgage and I now feel very threatenedby what these XXXX entities have done and not done. This has seriously affected my health because my XXXX had to increase my XXXX XXXX meds. I have formally send requests to both entities to send me complete accounting of my account - they have ignored the request. I need help. I do have documentation of times of phone calls and can make copies of all paperwork that I have received. Thank you for your help What I want is a reduction of my interest rate and I want a full accounting of every bit of money I have paid them and a stopping of letters that threaten foreclosure.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, allegedly systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ament the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Hello, Every so often my mortgage seems to increase significantly between $ XXXX and I am now retired and my husband is on Social Security XXXX. We XXXX are on a fixed income every month. I am also taking care of my elderly mother ( XXXX XXXX XXXX ) who has to live with me due to her medical conditions. With the sudden increase in monthly mortgage payments ( from {$1500.00} to {$1800.00} ) we are unable to keep up with the mortgage with Wells Fargo and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

IVE DISPUTE THE ACCOUNT # XXXX XXXX XXXX XXXX XXXX. THAT WAS OPEN IN XXXX XXXX. THE CAR WAS TO BE SELF SURRENDER, NO REPO. SINCE THE CAR HAS BEEN XXXX, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. IM REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. IM SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO IM REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Account XXXX : {$32000.00}
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks
Product: Debt collection

This company calls me endlessly and just hangs up. The one time someone actually spoke, I asked why they keep calling and hanging up and the guy just said it was about some debt and started asking a bunch of personal information ( which I didn't to provide ) before he would tell me anything else. Since I do not owe any company any money, this is clearly false and this company needs to stop harassing me at all hours.
Product: Debt collection

Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute inaccurate information on my credit report, which continues to negatively impact my credit standing. The debt in question has been sold, yet I was never properly notified, nor has a thorough investigation been conducted regarding this account. 

Furthermore, this debt was improperly sold while I was in bankruptcy, despite the fact that creditors were being paid through the court-approved process. This action was not only inappropriate but also misrepresents my true credit history. 

Despite my repeated efforts over the past several months to resolve this matter, the issue remains unaddressed. I am requesting the immediate removal of this item, as it does not accurately reflect my credit history. 

Please conduct a proper investigation and provide documentation verifying the accuracy of this account. If the debt can not be validated, I request its immediate removal from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

We purchased our home in summer XXXX on a 30 year fixed conventional loan with a monthly payment of {$2800.00}. In XX/XX/XXXX we received an escrow credit check back to us in the amount of {$4800.00}, and our mortgage payment adjusted to {$2400.00}. I contacted Flagstar to verify that this was all accurate and they confirmed it was. Both the credit and the new payment. Our first new monthly payment of {$2400.00} was due in XX/XX/XXXX, which was paid, and again in XX/XX/XXXX, which was paid. I have now received another mortgage statement from Flagstar asking for a payment of {$2600.00} due in XXXX as our escrow account is now short {$980.00}, even though this same statement shows we have a balance of {$740.00} and that the minimum requirement is {$230.00}. None of this breakdown makes any sense. In our XXXX statement our escrow balance reflected {$1800.00} and our XXXX statement shows a monthly withdrawal of {$160.00}, and now our escrow payment is showing {$230.00}, of which neither justify the dent from XXXX escrow balance of {$1800.00} what so ever. I do understand that tax assessments are made and that could potentially adjust an escrow account but that is an annual occurrence and they settled that up with the credit check and adjusted the payment accordingly, or so they said. This payment should have only changed once until next years tax assessment, if thats even what is going on. Now in less than four months I have had three different mortgage payments due all on account of Flagstar calculations which do not even make sense in these statements. Let alone the now moving target that is my mortgage payment. Something is very wrong with how they are arriving at all these numbers and based on my XXXX statement after the credit check was cut back to us that I called to verify was all accurate, a significant amount of money is now missing from my escrow balance. I want an investigation into how they have arrived at all of these adjustments because none of this is making any sense.
Product: Money transfer, virtual currency, or money service

A claim was opened on  XXXX  with  Paypal  for a transaction, #  XXXX ,  XXXX  from  XXXX  on  XXXX . I received a message today asking me to return the item at my own cost to  XXXX . The reason for dispute is the item was damage by a local   XXXX   store and they refused to refund the item. The item was taken to a local store to be monogrammed and the  rep ( s ) damaged the item by pressing initials too hard on the leather making the monogram too deep and damage the item. I attempted to explain this to several Paypal reps, howeve r, I was told the claim was closed out and it was not by myself. Papal reps refused to do anything further
Product: Debt collection

I HAVE ASK XXXX TO VALIDATE THERE DEBT MANY TIME. THEY HAVE FAILED TO VALIDATE AND KEEP REPORTING NOW THEY HAVE SENT ACCOUNT TO COLLECTIONS
Product: Bank account or service

Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 604 a section 2, a Consumer reporting agency can not furnish an account without my written instructions. Trans Union, XXXX and XXXX never received my verbal, non-verbal, written, implied or otherwise, consent to furnish this information. Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a late payment showed on my account for a account that was closed a year ago. I contacted the bank and she advised me that it wasnt true and thats not what they provided to the bureau. I contacted the bureau and so did the bank because they know Im in the middle of home buying process and a late payment is not acceptable with fha within a year. The bureau assured me and the bank that the payment would be removed and it was a error on there end. Well a month later the late payment is still showing and I had to renew my lease and had to stop my home buying. I tried to contact the bureau many times and this is heartbreaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online credit card dispute to the credit reporting agency, Equifax. 

Equifax is erroneously listing an account from XXXX XXXX/XXXX on my credit report from XXXX. 

According to Equifax, my last payment to the above XXXX XXXX/XXXX revolving credit account was on XXXX of XXXX. HOWEVER, the account wasn't charged off by XXXX/XXXX  until XXXX of XXXX. 

From my understanding, credit card companies are supposed to " charge off '' accounts 180 days after the last payment. According to these records, XXXX didn't " charge off '' my account for nearly 1704 days after my last payment ( i.e., last payment of XX/XX/XXXX, to a " charge off '' date of XX/XX/XXXX ). 

I disputed this with Equifax, stating that the timeline is incorrect, and that the negative item on my report should be removed ; as none of the other two agencies have it listed on their reports. Equifax DID NOT remove the information, and reported the information as accurate.

Making matters worse, all of this information is readily available in the " dispute results '' provided to me by Equifax, i.e, specifically the timeline and my assertion that it should be removed as XXXX/XXXX can't charge off an account 5 years after the fact. 

And last, I attached the " dispute results '' from Equifax below. In them, it shows that the " date of last payment '' was XX/XX/XXXX ( found near the top of report ), yet the account wasn't " charged off '' until XXXX of XXXX by XXXX/XXXX  ( found near the bottom of the report ).
Product: Credit card or prepaid card

Hi I have an HSBC XXXX XXXX. HSBC put through a balance transfer of {$1500.00} on my account without my consent. They have acknowledged to me that they did this without my consent and are blaming it on a system error. They are refusing to credit be back the {$1500.00} and the fees they charged me for the balance transfer. They claim it is an automated system error and they can't 'reverse ' the error and hence I have to 'live with the balance transfer '. This is OBVIOUSLY illegal. Additionally, they have been charging me a cash advance fee of approximately {$220.00} each month when no cash advance was ever taken on the account. They can't find a record of any cash advance ever taken by me, but have been charging me every month. Additionally, I sent a payment of XXXX 8 days ago, and they said they don't have to apply the payment until 10 business days later - thus charging me interest for the amount. HSBC has refused to call me back in this regard citing their system error and has refused to rectify all errors. Please help me as they are clearly behaving illegally. The account number is XXXX XXXX XXXX XXXX
Product: Mortgage

I applied with a lender called First Mortgage direct to refinance my home. We provided all the paperwork and even paid for services like the appraisal. They advised us that our file will be going to underwriting. I was dealing with a man named XXXX XXXX. When days turned to a week, I reached out to find out the status and they told me that it is still under underwriting and that my DTI may be too high, but they will confirm with underwriting.

This was strange because I'm virtually debt-free and make more than XXXX XXXX XXXXXXXX dollars a year. I said ok, I'll wait for their update. Days turned to weeks as I virtually emailed and called almost everyone at the company. Turns out there are two reasons they stopped replying to me. One was XXXX motivation, as I started reading other reviews from other clients who had the same issues and were mostly XXXXXXXX XXXX  and the other was that they knew rates were about to rise and since I had a rate lock it would cost them money. I decided to go with another lender. Now that I need them to transfer the appraisal I paid for, to my current lender, they are still not answering my calls or emails.
Product: Vehicle loan or lease

XXXX of this year, I went to a dealership in XXXX called XXXX XXXX. They verbally lied to me about the total amount that I would be paying. They told me that I would be paying {$8000.00} for a used XXXX  XXXX XXXX after the {$2500.00} down payment. I agreed to that, and sing the contract given. I went home and discovered that the terms on the loan are actually over {$15000.00}, with the potential of being more than {$23000.00} after 5 years due to interest. Credit Acceptance is the the creditor here and I would like to be removed from the policy of the loan, so it doesn't affect my credit. The dealership did not follow Regulation Z or the Truth in Lending Act, where they have to give the details in the loans truthfully.