23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Allied Collection Services , Inc XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for Allied Collection Services , Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXXl is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX
Product: Credit card

I've always made sure payments for this account are made promptly, never allowing them to fall behind schedule. The reasons behind reports of tardy payments on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.
Product: Student loan

I had a Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. Genesis lending has now sold my loan to XXXX.
Product: Mortgage

My house was damaged from the Texas Freeze and a claim was filed with XXXX back in XXXX. A check for rebuild was mailed to Guild Mortgage to be signed so that money could be released to begin the rebuild. Guild Mortgage disputed the percentage of work completed to date and would not release additional funds. The case was sent to XXXX XXXX ( VP of XXXX ). XXXX contacted me and said that there was a misunderstanding by her people and that she would get with them to make sure they understood how money should be released. She also spoke with the owner of XXXX XXXX and he sent her the draw schedule via email and cc 'd me on the email communication. XXXX XXXX ( VP of XXXX ) has not replied to the draw schedule email nor have we been successful in reaching anyone by phone or email. I have been paying for a house that I am unable to live in for eight months. They have yet to move forward with the rebuild since not receiving a response from Guild Mortgage. We are just going around in circles.
Product: Consumer Loan

This debt is not mine. I have no knowledge of debt that is attempting to be collected and I want it removed from my credit reports with XXXX, XXXX and XXXX. I want all collection actions to cease and do not want them sold nor transferred.
Product: Checking or savings account

On XX/XX/XXXX I attempted to make a cash deposit at the outside ATM at my local TD Bank branch ( XXXX XXXX XXXX XXXX. XXXX XXXX FL, XXXX ). I used my debit card, and deposited {$190.00} in cash. The machine made a grinding noise for a bit, and took much longer than usual, before saying that their was an error. The machine returned my card, and gave me a receipt saying I had deposited only XXXX cents. 

I went inside and briefly spoke to someone who told me they couldn't help me and I would need to call customer service because they don't service that ATM. When I called customer service I was told I need to wait until the two cent deposit moved from pending to posted which would occur the next day. I called the next day and the person I spoke with helped me file a claim and explained the process, that a provisional credit would be applied in a few days, but the full investigation would take 45-90 days. 

About a week later, after having not received any correspondence, or a provisional credit, I called again. The person I spoke to this time told me no claim had ever been filed, and she apologized for any confusion and submitted the claim at that time. I drove to that same TD Bank and spoke with a representation that told me whole they could help further with the claim, that could at least validate that a claim had really been submitted this time. 

On XX/XX/XXXX I received a {$180.00} provisional credit, this now settled my issue, or so I thought. On XX/XX/XXXX I went to a different TD Bank location and deposited {$180.00} dollars in cash. I work as a server so I often have cash, and made a few similar transactions. I put the money into my account with and to use my card to pay our water bill which was due. After depositing I checked my account balance, only to find myself negative XXXX. TD had reversed the provisional credit. 

I called customer service once again, and the woman I spoke to informed me the dispute has been denied, with the report stating no error had occurred. She submitted a new dispute, and added notes explaining the situation such as the regular deposits, a need to pay bills, and the insanity of somehow the final conclusion being that I deposited two cents by ATM, which is clearly impossible. 

I asked about an immediate provisional credit so at least I could pay bills, but she told me that she didn't have that ability, so I asked to speak to a supervisor. The supervisor was very nice, but was also unable to help me with a immediate credit. She did say she added more notes, and emailed the claim department to request the dispute be expedited. I requested a phone number directly to the claims department but was told they didn't have a number that could be called. 

Clearly I am very upset, I put money into the ATM because it should give you immediate access, and now over a month later I still don't have the money. TD compounded this by not properly filing my dispute the first time. I don't understand how the audit can essentially come to the conclusion that I accessed the ATM, and somehow deposited two cents.
Product: Checking or savings account

ON XX/XX/XXXX Bank of America placed a balance hold on my business checking account totaling {$4000.00} then placed a total account hold/freeze on my account. 
After calling their customer service innumerable times to try and determine why, there was no resolution. I've spoken to multiple departments and tried to escalate the matter, and after a collective call time of about 5 hours, I was finally told that apparently my account was flagged for suspicious activity and is under investigation. I then spoke to the risk closure department and they said they are in the process of closing my account. I've requested to speak to the investigator/analyst who is supposedly still investigating, but they said they have no means of connecting me with them. They said the investigator will reach out to me but I have not heard from then at all. I have been a personal checking customer since XXXX, and a business checking account customer since XXXX. I am in urgent need of the funds in my account to run my business operations and this hold is affecting my greatly in these times.
Product: Credit reporting

My credit score has gone down XXXX points in the last month - from the XXXX 's to the XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.
Product: Mortgage

I submitted a complaint in XXXX against my mortgage company Ocwen because they failed to update my credit reports. To date there is NOTHING on my XXXX report as if this loan does not exist and my XXXX XXXX report has NOT been updated since XXXX. This is the worst company I have ever had to deal with! I am filing this complaint again because dealing with Ocwen directly is useless.
Product: Student loan

Theyre not allowed to report income in student loans. Its against the law to report transaction history from a student loan under the law 16 cfr 313.7 and 16 cfr 432.2 and the Educational and Privacy Act 15 usc 1681
Product: Vehicle loan or lease

My husband and I signed a loan agreement on XX/XX/XXXX with American Credit Acceptance. We put a very large payment down, but obtained a high interest loan from them. We bought our vehicle from XXXX car sales in XXXX, CA and before we signed made sure we could make interest only payments on the vehicle. They are allowed in California I was told. Once the loan was set up, we immediately started making payments on this loan. On XX/XX/XXXX I reached out to them to inquire about the process of how to make a principal payment and was told they dont take principal payments. I informed them that in California they were obligated to take principal payments, it was written into our financial laws. I never heard anything back. In the mean time I continue to make payments to this account and im feeling like its not being distributed correctly. There is more being put towards principal, but the accrued interest never falls below XXXX. And each day it increases bye XXXX. On my customer portal it states that I don't need to make a payment until XX/XX/XXXX. Is this loan set up correctly? From my understanding the way the loan was supposed to be set up was that you paid everything that was currently due. That includes all your interest charges and fees, and everything else goes onto your principal payment. Even if they charged me 1 months bill in advance. Why isn't everything else after that principal? They also limited the amount of transactions i could do through XXXX. Only 5. If I could find another loan servicer I would, but my credit score is awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CLOSED Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX,. In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your XXXX credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX, or visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 


I received the latest report, which the company sent Report # XXXX dated : XX/XX/XXXX The inaccurate information, which they have stated that they have removed is still there under Inquiries : CAP ONE NA - Address ID : XXXX Date XXXX Item is highlighted in the attached pdf file.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a bankruptcy on my credit report and they have put in a furnish date XXXX and Alabama XXXX which is false. 
I have attached a letter from the United States bankruptcy court XXXX XXXX XXXX XXXX  verifying and stating they dont furnish any information to over to any credit reporting agencies or provide any bankruptcy information to any credit agencies. 
XXXX is falsely stating this information and sharing this false information with other credit agencies and yet to removed this false information from my credit report
Product: Debt collection

I would like to file a complaint against the collector Capital One Bank USA for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Capital One Bank USA to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke to a representative at the company XXXX XXXX to resolve this situation. However, they refused to help. I took out a payday loan of {$1400.00}, it was disbursed to my bank account on XXXX XXXX XXXX. The first payment of {$140.00} was taken from my account on XX/XX/scrub>XXXX XXXX XXXX. Since then I have made a total of 16 payments totaling {$2300.00} Overpaying {$970.00}. I was told my interest was 500.24 %. I can no longer afford to pay this loan.
Product: Debt collection

I had a collection beacuse I have not paid to Fisrt Porgress and They pass the account to  XXXX   XXXX   XXXX   XXXX . I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  ,2017 Afte r paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the lette r from First Progress, whic h is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost four times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute with TransUnion and I call the Bk and told them that the credit bureaus told me that they verified my Bk with the original creditor, the Bk said they do not verify with third parties such as credit bureaus.
Product: Checking or savings account

I already filed a complaint with you for {$140.00}. I never received the merchandise and I wanted a refund check because truist bank refused to return money. I had to close the checking account. You closed my case and never had truist bank mail my {$140.00} check back to me. Why was the case closed because the bank owes me the money?
Product: Checking or savings account

On XX/XX/2022 I was notified by Wells Fargo E-Mail of " unauthorized transactions '' on my online account. I contacted Wells Fargo and was transferred to their Fraud Department about the transactions and was told, one was a Bank Wire Transfer in the amount of {$14000.00} and another to XXXX for {$1000.00} that were ATTEMPTED. Wells Fargo fraud representative " XXXX '' told me the wire transfer and the XXXX transfer were stopped and he was going to open a new account because of the " XXXX '' which he did. On XX/XX/2022 The XXXX transfer was showing as " Pending '' on the NEW account. On XX/XX/2022 the " pending '' was now shown as completed. I again contacted Wells Fargo Fraud Department about the now transferred {$1000.00} from my account and was told by " XXXX  '' and XXXX '' that the transfer was in fact NOT STOPPED as it was suppose to be and I would need to wait until an investigation was completed to determine IF the unauthorized transaction would be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up
Product: Credit reporting or other personal consumer reports

LVNV funding llc, account XXXX began XX/XX/XXXX I discovered it XX/XX/XXXX {$1000.00} XXXX XXXX XXXX began XX/XX/XXXX discovered XX/XX/XXXX {$1000.00} XXXX XXXX account XXXX {$670.00} and XXXX {$1000.00} XXXX XXXX XXXX account XXXX began XX/XX/XXXX discovered XX/XX/XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a Bankruptcy reporting on my consumer report with Lexis Nexis, I sent a letter requesting documentation bearing my signature. I received back a letter stating it was verified with no documentation of verification. 

I then sent a second request demanding per FCRA SS 611 ( 15 U.S.C ss 16811 ) description of procedure used to verify and under rule Bankruptcy Rule 9037 in addition to a " personal identification of prmation defines as individuals social security and taxpayer identification numbers, names of minor children, last 4 of SS and dates redacted. Therefore the claim of verified is in violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the dispute information, also in violation of Section 5 ( a ) of federal trade commission act ( 15 USC ss 45 ) which prohibits " unfair '' or deceptive acts or practices. Lexis Nexis replied with disputing on my behalf with XXXX. I am disputing Lexis Nexis in their  reporting of a bankruptcy on their report they hold under my personal information. 

Lexis Nexis can not verify a bankruptcy through a 3rd party, I am entitled to have the name, address and phone number of the PERSON who responded back with verification per FCRA Section 611 ( a ) ( 2 ) this can not be done and therefore it must be removed from my report with Lexis Nexis.
Product: Mortgage

Numerous letters from BancorpSouth mortgage provider stating that they do n't have proof of hazard insurance and that they would be buying it on my behalf and would charge me an outrageous amount. I called and emailed them the policy from our XXXX 's XXXX contact and gave them the contact info so they could contact them directly in the future. Each time, they said they received it and it looked like what they needed. But the letters did not stop. I contacted them three times, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. They said on this last call XXXX XXXX was the representative ) they they will get the information from the XXXX 's XXXX directly, which is what I asked for originally. I asked them to keep this in their records so that next year and the year after etc they could get it from the proper source. They said that no they would not do that, said it will happen every year, and were generally rude, unhelpful and unprofessional.
Product: Debt collection

My wages were being garnished pursuant to Court Order for a debt on which a judgment was obtained. 

The amount that was authorized to be collected was {$2300.00}. 

They collected {$2400.00}, {$100.00} over the amount owed and authorized. 

The law firm of Pollack and Rosen is the debt collector. 

They sent me a check for {$45.00} for the overage collected. 

I made repeated attempts to contact the law firm about the balance of the overage. I was finally able to speak with someone at the firm and was told I would have to talk to my employer about the rest of the money. My employer told me to talk to the law firm as the money was sent to them. ( {$54.00} )
Product: Bank account or service

In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, TD pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use I want these inquiries removed from my report. I called the fraud department to have them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U. S. C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 I sent a factual dispute to all 3 consumer bureaus XXXX XXXX Experian is reporting date last active is XXXX XXXX is reporting date last active is XXXX transunion is reporting date last active is XXXX this is inaccurate reporting which is violation to the FCRA