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

I have disputed XXXX XXXX account ending XXXX multiple times. I disputed the charges XXXX XXXX stated I owe XX/XX/XXXX. I filed a dispute with with credit bureau with no resolution. I recently sent a certified letter to XXXX XXXX disputing inaccuracies information XX/XX/XXXX and received a letter stating that since this account wasnt disputed within 60 days they are not required to investigate. I disputed this account with the credit bureau XX/XX/XXXX. XXXX XXXX  never validated the debt they stated I owe. I disputed unauthorized charges to my account XXXX XXXX made without resolution. My dispute was in the 60 day law requirement. I sent evidence to experian and they failed to properly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # XXXX XXXX XXXX currently reporting to my Transunion Consumer Report. This account exceeds the Statute Of Limitations for the State of XXXX.
Product: Checking or savings account

Bank of America sold my personal information and owes me money from a previous account.
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX collections
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Portfolio Recovery added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it is mine. According to FCRA, Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balances are being shown on credit report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Debt Collection Entry - 15 U.S.C. 1666 ( b ) Dear XXXX, I am writing to formally dispute a debt collection entry listed on my credit report in accordance with the Fair Credit Reporting Act and specifically under XXXX U.S.C. 1666 ( b ). I request that you investigate this matter and remove the inaccurate reporting from my credit file. 

The entry I am disputing is as follows : - Creditor Name : portfolio recov Assoc - Account Number : XXXX - Date of Entry : XX/XX/year> - Amount : {$480.00} According to 15 U.S.C. 1666 ( b ), if I have notified the creditor of a billing error and the creditor has failed to respond or resolve the issue within the required time frame, any negative information related to that debt should not be reflected on my credit report. 

I have previously contacted portfolio recov Assoc regarding this matter and provided them with the necessary information to dispute this debt. However, they have not responded appropriately, and as a result, I believe this entry is inaccurate and should be removed from my credit report. 

Enclosed with this letter are copies of any relevant documentation, including my correspondence with the creditor and proof of my notification regarding the billing error. 

Please investigate this matter and take the necessary steps to remove the disputed entry from my credit report. According to the Fair Credit Reporting Act, I request that you complete your investigation within 30 days and provide me with the results. 

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

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

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Debt collection

Dear Duvera Billing Services, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately. 

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt. 4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Duvera Billing Services, establishing your legal right to collect. In addition, it has come to my attention that your atte
mpts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter. 

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

back in 2017 I took out a loan with Moneylion. They require you to sign up for a membership to get better interest rates. I paid the payment for the loan and an additional {$70.00} a month which comes out {$39.00} twice a month. The fee has been withdrawn 23 times while other times it was not. The fee was supposed provide an investment account. I called month back ask about how to get funds out of my investment account and found out NO INVESTMENT ACCOUNT. I called and a ticket was opened. A week later I called and it was escalated with no ETA on a fix. I reached out to multiple people in Leadership positions at Moneylion on XXXX. I received a call from XXXX XXXX XXXX XXXX when I returned the call it went to voicemail and will not allow you to leave multiple. This was false and misleading and to not have the ability to cancel or stop the ACH debit for the membership this is my last ditch effort to get this resolved.
Product: Debt collection

I have 10 medical bills from three difference Doctor 's the total amount is {$1000.00}. My account number is XXXX with XXXX XXXX XXXX XXXX they also go by the name XXXX. On XX/XX/2018 at XXXX XXXX. I call XXXX and spoke with a representative by the name XXXX. I told XXXX that I have 8 others payment arrangements on other medical bills that I pay monthly. After talking with XXXX, myself and XXXX made a payment agreement plain that I would pay {$25.00} a month started on XX/XX/2018 and payment is due on the XXXX every month.On XX/XX/2018 I got a payment of {$25.00} due reminder statement letter from XXXX letting me know my payment is due by XX/XX/2018. On XX/XX/2018 I called and spoke with a live person form XXXX and made my $ XXXX monthly payment over the phone using my health saving account card my payment conforment number is XXXX. On XX/XX/2018 I called XXXX to make my monthly payment of {$25.00} the representative told me they sold my account. I asked for a supervisor the supervisor from XXXX told me her name was XXXX. XXXX told me she see where XXXX set up my payment agreement back on XX/XX/2018 and she is not sure why my account was sold on XX/XX/2018 to a company name XXXX XXXX after XXXX set up my agreement with me. 
I fill by XXXX selling my account to XXXX XXXX after our agreement and accepting my payment XXXX I suspect XXXX is making false or misleading representations and The FDCPA has broad and encompassing provisions against false or misleading representations ( 15 USC 1692e ). Section 807 prohibits a debt collector from using any false, deceptive, or misleading re By XXXX selling my account to XXXX XXXX they after our payment agreement XXXX broke Section 807 ( 10 ) prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.presentation or means in connection with the collection of any debt. XXXX misrepresentation my identity to XXXX XXXX by selling my account. A creditor may not use any name that would falsely imply that a third party is involved in the collection. Section 807 ( 2 )  prohibits falsely representing either ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by the collector. 
I would like for XXXX XXXX XXXX XXXX, / XXXX to pull my account from XXXX XXXX make sure that XXXX XXXX didn't add this collection to all three credit report report. If so I want XXXX  and XXXX XXXX to remove this collection. want XXXX and XXXX XXXX to forgive this collection for all my troubles that I have do. I going to file 5 more complaint with other agencies. I want compensation from XXXX
Product: Mortgage

I am livid of the way Well Fargo has handle my loan. I summited a complete modification packet since XX/XX/2016. I when trough the re-entry team and when over my financials. Once I completed the review I was told my file will be summited to the under witer for review.. However Wells Fargo has stop the process recently becasue now they want all my documents to be notorized. Wells Fargo is not giving me an explanation or the reasons why?. Therefore I need to know what are the intentions Wells Fargo has. I am willing to work directly with my processor but I feel they are not willing to work with me instead they want to foreclose my home and prolonging my case. I am in desperate need of assistance I am tired of all the excuses I been given.
Product: Credit reporting or other personal consumer reports

I was tryna by a house and I realized I have few damages on my credit report according to the 15 USC 1681 LAW, their should not be any damage to my report is a defamation WESTLAKE FINANCIAL XXXX Date : XXXX Amount : {$9000.00} XXXX XXXX XXXXXXXX XXXX Date ; XXXX Amount : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount {$970.00} XXXX Date : XXXX Amount : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized account transactions on my credit report that I do not recognize. The unauthorized transactions have ruined my credit reputation. I have performed my own investigation and have determined that transactions are a result of identity theft. I have completed an identity theft report with the Federal Trade Commission. 

The credit reporting agencies should have taken reasonable procedures to ensure that my nonpublic personal information and other identifying information was not being furnished in error and without proper authorization.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Dispute having sufficient funds when fractions where authorized, I was charged fees due to lagging posting of charges. This issue aligns with the CFPB findings against navy federal credit union for similar practices where transactions settled with insufficient balances despite initially available funding. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

this card is a DIRECTEXPRESS DEBIT CAR it is set up thru social security and is the only debit card you can use to receive benefits on, it you don't have a personal checking account. 
the problem started on XXXX XXXX my benefits amount was put on the debit card this is when my problem started some withdrew all of money on XX/XX/XXXX when I signed into my account everything was gone a total of {$1600.00} I called the company every hour of the day for three days could thru. 
I called social security and they could not get thru either I was told the only thing I could do is keep calling on XXXX, I got thru I discovered that someone had called in and changed my home address on XXXX XXXX at XXXX XXXX. That morning also they called and ordered a new card on XX/XX/XXXX had it expedited and that was another {$13.00} this is not included in the total above, I paid this money for someone to steaI my debit card. when I talked to them on the XX/XX/XXXX they closed the stolen card and put my home address back on the card they issued the new card I received the card on Monday XX/XX/XXXX, at the same time is when the post card came telling me about the change of address on XX/XX/XXXX had they sent this when it was changed I could have stop it before my money all stole I called them back they had not even put in for me to my money back. the claim # isXXXX this is thru direct express, I also have a case number with XXXX county sheriff office # XXXX there phone # is XXXX. and after talking direct express they can't tell me when I am going to my money said it would 30 to 90 days. not only is this not fair to me I'm on social security I have no money until they return it this was there fault they changed my address and sent the crooks a new card then they activated the card they also changed my pin number to get my money what is so upsetting is how long they take to answer the phone there is no REASON for them to take three days to answer the phone I called every even thru the night it always said they were experiencing high call volume then it hangs you up and you call back and it does the same thing this is not right I want them to put my money in right away
Product: Credit reporting or other personal consumer reports

In XXXX, I experienced financial hardship that forced me to go through debt settlement. 

With the debt settlement, I enrolled my credit accounts, one of which was through TD Bank Within 120 days of entering the debt management program with XXXX XXXX, the company threatened legal action. XXXX XXXX was able to negotiate terms on my behalf. total balance when the settlement was negotiated was {$13000.00}. The payment amount that was due back in XX/XX/XXXX was $ XXXX and the final payment was due on XX/XX/XXXX, all of which was paid and I can provide proof of that as well. Terms of which were agreed to, that there was a settlement that was reached for a payoff amount on my behalf that was less than the full balance. The final payment was made in XX/XX/XXXX. ( I have documents that show the terms of the settlement as well as the proof of payments from Beyond Finance ) To date XX/XX/XXXX, settlement amounts have been paid and all credit reports, XXXX, XXXX, and XXXX all state TD bank are still reporting an unpaid balance of {$4100.00}. Based on the payments that were made and the amount of balance, the creditor is still reporting the entire balance owed even though the account was paid and settled less than the full balance. Have filed disputes with all three credit bureaus but they are claiming the information is all accurate. If any assistance is needed deciphering the documents please let me know the debt management agency was not able to isolate one specific account for payments. But you'll notice most of the payments from XXXX are the payments to TD bank. I attached the results from XXXX dispute for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

have tried to tell XXXX and experian that the information they are providing are wrong.. I need XXXX XXXX  REMOVED FROM MY ACCOUNT AND I Need XXXX account REMOVED ASAP. PLEASE SEE BELOW LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
Product: Debt collection

The is complaint is again Diversified Consultnts for a XXXX bill in the amount of {$980.00}. I have never had phone service with XXXX. I recently reviewed my credit record and noticed the debt. I sent a letter to the company asking for proof of the debt and all a received was a company copy of a bills. I have never received any notice of this debt before contacting the company, I have not heard anything additional from the company either. This is not my account and needs to be removed from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to lease a vehicle in my business name and they put it on my personal credit I did not sign for it personally. 
Then they reported me late payment but I had made my payment to the dealer because they contacted me and told me that the loan had not funded yet and I have to make another payment to them and I did. 
Finally 2-3 months later when I received from the my first bill I paid it then they reported a late on my credit. For the payment I gave the dealership. 
They acknowledged the payment but have not removed it off my credit report as a late payment. 
The company is Chrysler capital
Product: Prepaid card

A XXXXXXXX XXXX XXXX XXXX was purchased at XXXX in Georgia. We found it in a drawer just wanted to find out from the company what our balance was and it has been nothing short of XXXX  town getting any information from them!! It shouldnt be that difficult to get this information as we found another card tucked away with this one. We called that number and it was super easy to get the balance and to see we had XXXX  used it yet.
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Product: Checking or savings account

Td Bank sent 3 seperate accounts that i never opened all checking
Product: Checking or savings account

This is about CIT bank 's ( cit.com ) online sign-in method, which is insecure. I have warned them about it and asked them to change it, but they refused. 

When you log in to CIT, the " remember me '' box is checked by default. This is inherently insecure, because the user has to notice that the box is already checked and remember to uncheck it. No other finanical institution I have ever dealt with makes " remember me '' the default setting. 

I told them months ago through their message center that this is not secure and they need to change it, but they replied something to the effect that " if you are using a public computer, uncheck the box. '' I don't have access to the exact wording because they have shut down their online messaging system so I can't access the message. 

This is obviously insecure for anyone using a public computer or for anyone who doesn't want their private computer to remember logins for security purposes. No one else does it this way and their cavalier attitude toward security is unacceptable.
Product: Credit reporting or other personal consumer reports

I've contacted on XX/XX/year> EQUIFAX about my personal information such as incorrect name, address, And employer information. EQUIFAX has given me a hard time, ignored my request and also has violated my rights as a consumer.
Product: Mortgage

Every time I submit a rebuttal to my complaint against suntrust, my complaint is closed. This is completely unacceptable and I expect a response from suntrust regarding my rebuttal to case number XXXX. My complaint needs to be reopened and never should have been closed. This is completely unacceptable! I thought this site was for CONSUMER PROTECTION. Every time you close my complaint, you 're protecting the unscrupulous mortgage company!!
Product: Student loan

Navient received two payments from my bank one on XX/XX/18 and one on XX/XX/18. They refunded one of the payments on XX/XX/18 but did not post my payment to my account. They say they never received the second payment, that my bank refused to pay it. I have sent copies of my bank statements and a letter from the bank confirming that both payments were sent and only one was refunded but they still refuse to post the payment to my account. I have sent this information numerous times to no avail.