23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First Home is fraudulently trying to take my home from me but putting me into default at their own whim and against policy. I have had nothing but issues with this company and I believe them to be doing similar shady transactions similar to what I dealt with with XXXX XXXX XXXX XXXX early XXXX. 

Responses received from mortgage company inconsistent and false. They are trying to take my property in order to gain a profit on the sale. I am a XXXX mom of XXXX kids who has never received child support. I have worked tirelessly to finally be able to provide a home and invest in my childrens future and First Home just wants to profit off of my struggles. 

I request an extensive look into the history my account and that someone finally hold First Hime accountable for their fraudulent practices. 

I am being forced to go through loss mitigation again so that First Home can get the additional money from the government. Essentially they are double dipping with federal money.
Product: Debt collection

This complaint is about XXXX  XXXX  not telling me in advance how much my prescription of XXXX  was going to be in advance before shipping out.  (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and also not going over with me how the co pay card that XXXX  gave me to use so that I could afford the drug to begin with.    XXXX   XXXX  had made an agreement with my husbands employer to not allow the co pay card to go towards our deductible.  I never saw this new rule nor was it ever explained to me when I started using the drug and the co pay card.  I was told that by using this co pay card it would take care of all of my out of pocket expense for being able to afford XXXX. 
	
So I started using XXXX  going through XXXX  XXXX I believe in XX/XX/XXXX.  I’m not exactly sure when I started seeing a bill, but I didn’t really pay attention to it because I was told that my co pay card would cover my bill.  I never was told that I couldn’t receive XXXX  until I paid for it.  The drug was always mailed to me.  I never gave it a thought until I started receiving statements saying “Due upon Receipt”  That prompted me to call.  Then to my surprise, I was told that I actually did have a balance a rather large balance of $XXXX this bill was from XX/XX/XXXX, I called them on XX/XX/XXXX.   Up until this point I was still being sent the XXXX  without a phone call or interruption of my medication until I tried to order it again on XX/XX/XXXX.  Then I received a text saying “The copay for your medication has changed.  Tap the link to confirm the new amount so we can ship: 

When I called I was told my account was sent to collections and I would not be able to receive my prescription until I had a reference number from the collection agency.  I had to stop taking my medication cold turkey.  I was so upset by this news that I actually got a XXXX   and wasn’t feeling well for a couple of days.

XXXX is needed for my condition that is so bad that I actually XXXX  the XXXX  in my XXXX (XXXX) XXXX.  Which is the reason I needed to go on the XXXX  XXXX.  I had to have XXXX   on XX/XX/XXXX to repair the XX/XX/XXXX after which I needed XXXX XXXX  to learn how to use my XX/XX/XXXX again.  I was told I needed a XX/XX/XXXXto keep this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX located in XXXX, WI This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Checking or savings account

I had {$13000.00} for the tax payment of my home on XXXX XXXX XXXX. The bank has allowed a criminal to steal {$13000.00} from XXXX checking accounts. The first checking account ends in XXXX. My daughter and I are at risk of becomming homeless. There are criminals copying our phone numbers, and they may be several other culprits or troublemakers. Also, a woman, named XXXX XXXX XXXX, illegally, ordered debit cards, and has stolen the money to pay the taxes on the home. XXXX XXXX is not reported on wills, tax documents, POD statements, or other pension accounts. My daughter, XXXX XXXX was the only person allowed to access these accounts for me. XXXX was also a joint owner. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, have fraudulently stole the money at several ATMs. I need the money returned, so that I am able to pay for repairs to the home. My daughter is at risk of getting XXXX, XXXX  or XXXX. She needs to pay for the home on XXXX XXXX XXXX. This is a serious crime to steal large sums of money from someone without their permission.
Product: Debt collection

I have multiple family members that have received calls stating I owe a debt that has not been paid off. They already have my email, my work phone and my personal cell phone numbers to contact me.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX claims that I legally owe them money, but I will only pay under certain conditions. I demand that they provide the following : 1. Validation of the debt, that is, the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, myself, and their company, in a letter by certified mail so that there is an independent witness to it having been delivered. I would like to bring to your attention that XXXX and XXXX have already removed this account from their records. There was an error present, and they were able to find it. I am confused as to how you have verified it while the other bureaus have removed it. I would like to remind you that it is your legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information reported on my credit report is accurate and verifiable. I hope that you will take this matter seriously and remove the incorrect information from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), specifically referencing section 602 ( a ), which emphasizes the need for consumer reporting agencies to handle responsibilities with fairness, impartiality, and respect for consumer privacy. As such, agencies like XXXX and XXXX must adhere to these principles. 

Delete these accounts immediately XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also any inquiries not connected to open account Further, per 15 USC 6801, financial institutions have an explicit duty to respect customer privacy and safeguard their nonpublic personal information. This act defines any entity furnishing information to credit agencies as a financial institution, thus including ( Furnisher of Information to Credit Agencies ) under this definition.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only share consumer reports with explicit written consent from the consumer, which neither XXXX, XXXX, nor ( Furnisher of Information to Credit Agencies ) have obtained from me. Therefore, I am formally revoking any form of consent previously granted, whether explicitly or implicitly.

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose personal information without informing the consumer of their right to opt out, which ( Furnisher of Information to Credit Agencies ) failed to do. Additionally, 15 USC 1681C ( a ) ( 5 ) restricts reporting adverse items without permission, and 15 USC 1681s-2 ( A ) ( 1 ) and 15 USC 1681e demand accuracy and reasonable procedures from reporting agencies, which have been disregarded in my case.

Lastly, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services entirely. I expect XXXX, XXXX, and ( Furnisher of Information to Credit Agencies ) to comply with these statutory requirements and cease all reporting and sharing of my personal information immediately.
Product: Debt collection

ABR Recovery Services LLC continues to NOT address the second account they are reporting with XXXX. Attached is a copy of my credit report with the 2nd account information that is incorrect that ABR refuses to address. ABR has never even written me on this account. As you can see on the attached report it shows the account was opened on XX/XX/XXXX which is NOT correct. They are showing a Date of 1st delinquency of XX/XX/XXXX which is NOT correct as well. ABR recovery services keeps responding with the first account dates and have not addressed the fact they are reporting two delinquency accounts to XXXX, not just the first one. This second account was opened falsely and illegally as debt that I owe from XX/XX/XXXX. I have not owned an XXXX account in XX/XX/XXXX. Please remove this second account and stop reporting it to XXXX with incorrect and false information. My next step is to get a consumer debt lawyer and sue ABR Recovery Services LLC over false reporting, Re-aging past accounts and punitive damages. I will also contact the Attorney General in California over this account that is not being responded to. I will complain every single day until ABR Recovery services actually reads my documents and acknowledges the mistakes made in their reporting. If ABR recovery has been given false information from previous collection agencies, they should be fixed properly with the proof I have from HSBC. I'm asking ABR Recovery Services LLC to seize reporting re-aged accounts on my credit profile. 
I AM ASKING YOU TO READ MY CREDIT DOCUMENT SHOWING A 2nd ACCOUNT WITH A FALSE ACCOUNT NUMBER AND FALSE DATES, REPORTING THE SAME {$1200.00} as the FIRST ACCOUNT.
Product: Credit card

I believe the account is invalid. CCB/CHLDPLCE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CCB/CHLDPLCE XXXX
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

I recently purchased a brand new XXXX XXXX XXXX on lease from XXXX  of XXXX on XX/XX/19. After agreeing to the lease financing terms shown to us @$XX/XX/XXXX/pm for 36 months, and closing the deal, signing all the necessary paperwork, we drove out with the brand new car. Only after 4 days of the sale, their financing manager called me to say that they made a mistake in the money factor/interest rate, for hybrid, it is higher, and that changes my monthly lease payments to about @$XXXX/pm, an increase of $XXXX pm, ~ $XXXX higher than what we agreed in the paperwork. This is unacceptable from the XXXX Plus (or any XXXX dealership). I feel deceived and a victim of "bait and switch", an unethical and deceptive business practice followed by this dealership. We spent 5 hours at the dealership for this entire process on Saturday and 3 hours alone for the financing paperwork. Not even once during this entire time they figured out the incorrect money rates. Now four days later, they want me to agree to higher financing payment terms. It's been 3 days and still no resolution to it. Today I'm offered yet another terms @XX/XX/XXXX/pm, but this is not what I agreed to, and wouldn't have bought the new XX/XX/XXXX at this rate. I want the XXXX  of XX/XX/XXXXto stop following this deceptive practice of fooling the customers with one rate when they buy the vehicle, only to change to a higher rate in the next few days. This is over and beyond the advertising frauds. This has to stop. It is not only unethical but also fraudulent. Its really shocking and painful experience of what I'm going through. I hope others can learn from it and avoid this dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported theft and fraud regarding false addresses and false names adjoined with credit borrowed with my SS # by an unknown person but these items are not removed False addresses : - XXXX XXXX XXXX, XXXX WA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX - XXXX XXXX XXXXXXXX XXXX WA XXXX - XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX False accusations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in. 

On XX/XX/XXXX, I paid the debt. 

After checking my Credit Report, they neither notified XXXX XXXX XXXX of the debt being paid off, nor took it off my Credit report. 

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there. 

I am including both my letter and proof of payment. 

Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed.  {$1200.00} written off. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$540.00} 15 USC 1692C ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication.
Product: Bank account or service

In XX/XX/2012, when mobile deposit was taking off, I was a customer of Bank of America with XXXX checking accounts and XXXX savings. I was using the mobile deposit service and followed all instructions of taking the picture of my check and had a few incidents where the check never deposited. I went into the branch on XXXX NC and was told by a Personal Banker that if the check did not deposit via mobile, just put it into the ATM. I performed this action a few time subsequently. In XX/XX/2012, I awoke to find all my accounts were closed and they stated I committed fraud. When I informed them that I was following information that their banker provided, they stated it was not their issue and my accounts were gone. Since 2012, but they have refused to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Product: Debt collection

I got this letter in the mail and have had a {$860.00} charge to my bank that I was never aware of that would take place. 
I have a loan in the amount of {$32000.00} under my name that I was never aware of nor did I receive compensation for. 
The SST account number is : XXXX. 
Could you please contact me in regards to this and explain why I am being charged this and how to be repaid for a loan that I never took and if I have been victim of identify theft. 
Email : XXXX XXXX : XXXX.
Product: Checking or savings account

On XX/XX/year>, I wrongly transferred ( XXXX ) {$3500.00} to wrong recipient, I immediately called the bank and reported the mistake. Bank said they will investigate and get back with me. I also texted the recipient and told XXXX that I made a transferred by mistake, he/she replied that he/she will return it back so I know for sure that he/she still has my money in his/her account. Today, XX/XX/year> bank told that they won't return my money because the recipient refused to return my money. XXXX message the recipient again today and beg to return my money, hopefully will reply. 

I worked really hard for that money to use for my upcoming XXXX. XXXX CFPB can help me get my XXXX money back. I am XXXX XXXX XXXX! 

Thank you and XXXX Bless!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have violated my rights by Reporting this debt to my consumer report. 
According to USC 1692c ( c ) The law clearly states : IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECT MUST CEASE ALL COMMUNICATION. 
By reporting this debt to my credit report is a form of communication. Please CEASE all COMMUNICATION!
Product: Debt collection

I called XXXX and they said I didnt have an account with them I called XXXX and they transferred me to another company. I didnt have a XXXX account to start with
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, has violated my rights 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 account with my written instructions.
Product: Debt collection

My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. 

This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. 

The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's .

The company has already stated the balance is 0.00, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.