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

I previously had an auto loan with XXXX XXXX XXXX XXXX however, the vehicle was totaled and paid off by XXXX XXXX insurance company. This account currently shows on my credit report as Charged Off Purchased by Another Lender however the new lender does not appear on my credit report ( XXXX XXXX XXXX XXXX still appears as the creditor, even though the remarks on my credit report state that it has been sold ). Additionally I did not receive a 1099-C from XXXXXXXX XXXX even though they have charged off the alleged debt. In accordance with the Fair Credit and Reporting Act ( F.C.R.A. ) XXXX XXXX XXXX XXXX has violated my rights under 15 U.S. Code 1681 s-2 which states that creditors and/or the banking industry are required to accurately report on consumer credit reports.
Product: Vehicle loan or lease

US AUTO SALES SOLD ME A LEMON.. transferred to Westlake portfolio management .. vehicle was repossessed because payments and warranty was not sent over to company
Product: Mortgage

On XX/XX/XXXX payment of {$200000.00} was made to my mortgage company ( Mr. Cooper ). On or about XX/XX/XXXX I noticed 3 individual charges for the above amount totaling over {$6000.00} to my checking account, I immediately contacted the bank ( XXXX  ) and was advised to contact the mortgage company, I was also given the option to place a stop payment on the amount from that vendor. At that point I declined the stop payment option as there was a charge involved. 
I then contacted the mortgage company and was told they were aware of the issue with their payment system and it only seemed to impact XXXX customers but it should be resolved shortly. I monitored my account and a few days later noticed the funds were reversed. All good. 

On XX/XX/XXXX payment was made as usual and a confirmation email received. 

On or about XX/XX/XXXX I went online to make payment and saw that the amount due was more than double, ( 2 months, plus late fees ) I immediately contacted the mortgage company and was told the XXXX payment had been returned. With the mortgage company representative on the line I called the bank and they confirmed that a stop payment had been put on the account because of my previous inquiry, this was done with out my knowledge or consent. The mortgage company representative insisted based on that conversation that I intentionally placed a stop payment on the account. After speaking to her supervisor and explaining the issue the late payment charge was removed from my account and I was able to make payment ( XX/XX/XXXX ) for the month of XXXX and the following day ( XX/XX/XXXX ) payment for the month of XXXX was debited from my account. 

During this time I asked the mortgage company how would this would impact mine and my wife 's credit, the response was less than reassuring... Sure enough a few day later both our credit scores dropped by over XXXX points! That account now reflects a 30 day late payment. 

Although I contacted the mortgage company and brought the account up to date as soon as I saw issue, the bank indicated it was an error and refunded me the stop payment fee and the mortgage company also saw this as an error and also refunded me the late charge on their end, it was still reported as a 30 day late payment. There is no other account on either of our credit report that has been late in over 10 years. 
We filed disputes with the credit reporting companies, however all they did was update our file to reflect payment for the account current and up to date. I have attempted to contact the mortgage company but the department that handles these issues only communicates via email, and so far there has been no response to my email sent on XX/XX/XXXX. I also contacted XXXX, and although they acknowledge the stop payment error there is nothing they can do as it is ultimately the responsibility of the vendor I have the issue with. 

This has had a tremendous impact on our ability to get a fair rate on student loans for our son based on our actual payment history and not what is currently reflected on our reports.
Product: Credit reporting or other personal consumer reports

This account has been getting reported as delinquent for XXXX years and XXXX continues to validate the account with contradicting documentation. 
I have attached XXXX letters by XXXX, XXXX where it says the balance on the account after the closing date was {$0.00} because a security was applied, and XXXX saying that the debt was cancelled. Yet this account is still being reported as delinquent. 

I have submitted complaints about XXXX multiple times throughout the years, yet nothing has been done.
Product: Debt collection

I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. 
On XX/XX/XXXX, XXXX XXXX XXXX provided " debt validation '' as response. 

This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with XXXX XXXX XXXX, XXXX XXXX, Division XXXX of XXXX XXXX XXXX, requested a clearer copy from their client, " Army & Air Force Exchange Service ''. 

On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. 

Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ).

There was no transaction or any record of transaction between myself and the client, " Army & Air Force Exchange Service ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.
Product: Debt collection

I have contacted this company multiple times for several months now, including today two different numbers the first number listed on XXXX XXXX place me on hold and then disconnects and the second one which was the number that was given to me directly from that debt collection department says 'call can not be completed at this time '. I have never received an initial intent to collect letter, I had found out due to a review of my credit report, and I have asked several times to see the original documents of the debt, the last time I called was more than a month ago requesting documents. in the beginning they said it might be possible to dispute this since I told them I had left this property on XX/XX/year> due to XXXX  XXXX and I did submit the proof of this and the proof of a police report stating I had left. The company stated even though I showed proof the original creditor did not want to work with me, when I explained if I can contact the original creditor and if they can tell me who I originally owe this debt to they stated that It is not possible to give out the information and I could not work directly with the original creditor. I then started to send me the documents to verify the debt and gave them my address and phone number I asked verbatim I want these documents in writing sent to my physical address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, originally, I sent XXXX a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and Experian. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

XXXX- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. XXXXViolation Experian was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation
Product: Credit card or prepaid card

On XX/XX/2016, I opened a credit card with Bank of America. The card had an advertised {$300.00} sign up bonus. One month after I opened my account, I was notified by Bank of America that my account had to be closed and a new one would be opened. I did not request this and was surprised and confused. When I learned that the new account Bank of America had opened for me did not have the cash back bonus, I objected. I even went to a branch in person and spoke with several people about it and no one could explain why my account needed to be closed and reopened. I never received the {$300.00} bonus. 

I have attached my credit report showing that all of my accounts were always in good standing and paid on time. It shows the first account as " closed at customer request '' in XX/XX/2016. See pages XXXX. The second account was opened on XX/XX/2016. See pages 4-7. 

I am submitting this now because I recently saw this announcement : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ This matches my experience.
Product: Debt collection

Dear Amshercollectionservice After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Debt collection

I get a medical bills on my credit report who was paid by my insurance and still showing with a balance due.Now I received harassment calls from a collection agency with treated. I do n't have any knowledge of this until received this calls.
Product: Credit card or prepaid card

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on SYNCB PPC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, after doing an XXXX XXXX XXXX pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX and XXXX  however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.
Product: Money transfer, virtual currency, or money service

My phone is password protected for purchases. While letting my XXXX nephew, use my phone, a purchase was made. There is absolutely no way that he would know my password and my password does not auto fill when a purchase is being made. Any purchase that I made before and after the transaction in question has required that my password be typed in, as usual, but I believe that I know how the transaction in question was able to slip through. Before being charged for the 1-year subscription in question, there was 3 day trial period at no charge when the app was downloaded. 

Once I was notified of the charge for the yearly subscription to XXXX XXXX XXXX XXXX XXXX, I contacted XXXXXX/XX/XXXXimmediately and canceled the subscription. In their response, XXXX XXXX XXXX stated they were unable to refund my money and that I would need to contact the app developer. I reached out to the app developer, multiple times, with no response. I reached out to PayPal and was told they could not assist with a refund either. After that, I reached out to the XXXX XXXX XXXX again hoping they could help as the app developer was not responding. In our chat session, the representative informed me that had if I contacted them right away, they could have asked for a refund as a courtesy. The day of the chat session, the representative stated that she had tried to request a refund, but the request could no longer be put through because too much time had passed. I was very disappointed as I did contact the XXXX XXXX XXXX immediately and there was no offer to request a refund for me as a courtesy. The possibility of requesting a refund as a courtesy was only mentioned after it was no longer an option. 

To me, it just doesn't seem right that there is no recourse, that an app developer can simply choose not to respond. Using the XXXX XXXX XXXX is necessary on android phones to access apps for download, yet having it, even with password protection, puts you at risk. The XXXX XXXX XXXX is the platform that apps use to connect with consumers, just like when we go to a department store to purchase a product from a manufacturer. If a consumer has an issue with a product purchased in a store, the store does not respond by telling the customer to contact the manufacturer, ( unless it's a warranty issue ) and if the manufacturer doesn't respond, you're out of luck. 

I realize, in the grand scheme of things, app stores, apps, and purchases with electronic payment via PayPal are relatively new, but situations like mine are not uncommon. It doesn't seem fair to consumers like myself that app developers can choose not to respond and the platforms that allow app developers to connect to consumers and receive payment from them can turn a blind eye to practices such as this. I am hoping, even if I receive no resolution and I am simply out the {$64.00}, that this information will prompt change and more consumer protections will be put into place.
Product: Bank account or service

On XXXX XXXX, 2015 log on into Navy Federal Credit Union and found out that they withdrew {$29.00} from my account and they did inform me what check was returned and for amount just return fee then I ask the representative why was n't it indicate on line she stated that do not do post it online they just send notice via United States Postal Service I thought that all transaction should be viewed online and statement they accused me of bounced check they pay via bill pay and they indicate it paid but they indicated if something was not paid they also charge me fee and taken me out of over draft protection which cause the check to be return and which cause me return check fee to XXXX Furniture and Sales I never opt out they have been commending so much fraud I would like them to investigate all banking product and services to ensure proper use of the services are being apply if any Fraud is found all individuals involved should be convicted according to United States Federal Law
Product: Debt collection

They called my work repeatedly after I asked them to stop. Called my personal phone at all hours of the night leaving rude messages threatening to take legal action. I called them back, very rude customer service. They told me they would settle for a ridiculous amount of money that I do not even owe. We finally agreed upon a settlement of {$800.00} when I spoke to them XX/XX/XXXX, when I spoke to them again after XXXX they changed the amount once again. They went from {$1400.00} to {$1000.00}. They have agreed to let me pay {$1000.00} only if I make two large payments of {$500.00} in XX/XX/XXXX and XX/XX/XXXX. I told them I do n't have the money they said to borrow it from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a personal loan with  XXXX   XXXX   XXXX  in early  2017.   I reviewed my credit reports earlier and noticed that  XXXX   XXXX  listed    XXXX   separ ate accounts on my  XXXX  and   XXXX   credit reports.  One of the accoun t listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wan t   XXXX   account s listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kubota Financial after receiving a full payoff from their sister insurance company ( XXXX XXXX ) for the vehicle loan, falsely reported the account as delinquent two months later.
Product: Debt collection

Two acquaintances received phone calls, one of the calls received went to voicemail and the transcribed voice message was forwarded to me. I have attached a screenshot of the transcribed voicemail. I also received a voicemail from ARS ( Atlantic Recovery Solutions ) from a XXXX regarding a debt I do not owe. I have attached a screenshot of that transcribed voicemail as well. 

I have not received any documentation from this company whatsoever. I checked my credit reports from all three credit bureaus and this company is not listed on any of them. They have sent nothing by mail I can respond to in order to verify this is a legitimate debt. Because the message was sent to an acquaintances phone and not my own I further cant verify who they are. The only way I was able to find the company behind this call was because the person sent a screenshot of the phone number it was received from and it matched the message Id received. 

This is not legitimate. 

The outcome I desire is no further contact from this company in any form whatsoever. They will not harass acquaintances or attempt to contact me through other parties or any of their affiliates. Whatever records they believe they have regarding me will be removed from their systems and will not be passed on to further parties in another attempt to receive monies from me. 

Please investigate this business on my behalf. I believe they are attempting to press an illegitimate claim to receive money for a debt I do not owe.
Product: Student loan

Before I was educated on FAFSA. I was made to believe that my only option for school financing was private student loans. I went ahead and applied for a Student Loan with Wells Fargo. I am newly Graduated and finally got my first job. Of course being newly graduated and not having much experience my salary isnt as high as i would like it to be, once again due to lack of expereince. I am unable to pay the full amount of my Private student Loan. I have reached out multiple times to Wells Fargo to speak about options i have to relive me from some of this financial burden and they were not very helpful at all in wanting to help me. I can not afford the monthly payments they are requiring me to make and I often have to decide which bills to pay and not pay on a month to month basis because the weight of the financial burden is to heavy. 

I also herd that if I had a private student loan but was eligibale for a federal that i was able to convert this private loan into a federal student loan. I dont know how true that is or not. All i know is that I have tried to contract Wells Fargo multiple times about coming up with a repayment plan that would work for both of us and they are not working with me at all. If i am late on payments ( After i told them i was unable to pay full amount ) they start to call and harass me non stop to my cell phone and my parents work phone numbers. 

I am trying to take care of my responsibilities but they make it very difficult for me. I feel like I am drowning. Please Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning complaint no. XXXX : Company, Equifax, failed to answer my complaint. Their response had nothing to do with the nature of my complaint. In addition, CFPB is not even reading the Equfax complaint, or you would have rejected it. It is just a canned repy to some other subject than my complaint. 

I want the case re-opened, under the same complaint number, and tell Equifax to respond to my specific issue.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.