23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have to file a complaint with XXXX, XXXX  and Transunion. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX, Inquiry date, XX/XX/XXXXXXXX XXXX Inquiry XXXX, XX/XX/XXXX, XXXX, Inquiry date, XX/XX/XXXX, XXXX XXXX, Inquiry date, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive two letters from XXXX XXXX XXXX  after a few calls to their different departments complaining about Inaccuracy being reported to the Credit Bureau 's. 
XXXX XXXX XXXX letter dated XXXX XXXX We reported that this Account was Closed on XXXX XXXX. 
XXXX XXXX XXXX letter dated XXXX XXXX We reported that this Account was Charged Off on XXXX XXXX. 
As of XXXX XXXX Experian Payment Summary still reports the account as 7 potentially negative months Late XXXX XXXX thru XX/XX/XXXX -all payments on time XX/XX/XXXX - N/A XX/XX/XXXX thru XX/XX/XXXX- all payments on time XX/XX/XXXX thru XX/XX/XXXX - late payments of 30,60,90,120,120,120, what happen to 150and180. 
XX/XX/XXXX thru XX/XX/XXXX - N/A XX/XX/XXXX - account Charged Off Now if the Account was Closed on XXXX XXXX and Charged Off XXXX XXXX how can there be any on Time Payments or Late Payments being reported, this Account was CLOSED as of XXXX XXXX I respectfully request that all Inaccurate reported Information be remove from my Credit Report Under the Fair Credit Act.
Product: Credit card or prepaid card

I reached out to Capitol One in an effort to have the interest reduce that attempt was unsuccessful and has subsequently caused undo financial hardship for me and my family. I have made payments in excess of the minimum amount required which has not been beneficial in any substantial way in reducing the credit card balance.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to XXXX data breach
Product: Debt collection

I returned a XXXX to XXXX XXXX. It was NEVER used. Now, I am receiving a debt collection letter for {$200.00} from Transworld Systems Inc . I am not going to pay the {$200.00} for something that I returned to the company! Please help me! I do n't want this on my credit report. Never mind the fact that XXXX XXXX constantly tries to contact me to return as a customer!
Product: Mortgage

Dear Sir or Madam : The borrower, and complainant, received a Notice of Intent to Foreclose despite the fact that she has been paying the loan each month in full to the Original Mortgage Servicer, XXXX XXXX XXXX XXXX XXXX. Enclosed please find the cancelled checks. 
Upon information and belief, the mortgage account was transferred, without notice to the borrower, from XXXX XXXX XXXX XXXX to Selene Finance LP. Attached is proof of correspondence from the new servicer ( Selene Finance LP ) delivered to an incorrect address of the borrower. 

Moreover, Selene Finance LLP has failed to give written mortgage statements of each billing cycle showing detailed information on the current payment amount, payment history, missed or late payments, and for other information. The borrower continues to make payments to the original mortgage servicer due to the current servicers refusal to accept mortgage payments or to otherwise retrieve past funds sent to XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

After a home refinance payout, portions were used to pay off my loan through Upstart Loans. On XX/XX/year>, USPS Priority tracking delivered a {$35000.00} check number XXXX to Upstart for loan payoff. Please see the attached check stub ( File XXXX ). XXXX weeks later, the payment had still not been posted, and Upstart was contacted. During the discussion, the representative said they could not locate the check. I contacted XXXX XXXX, the issuer of the payoff check, and they said they would put a stop payment on that check, reissue a second check, and then overnight that check to Upstart. XXXX XXXX with XXXX XXXX emailed me confirming the check was reissued and mailed to Upstart via XXXX XXXX  ( File XXXX ). I have attached both images of the reissued check and XXXX XXXX  information ( File XXXX and XXXX XXXX ). XXXX XXXX mailed the check through XXXX  with tracking ( Tracking # XXXX ), and it was delivered on XX/XX/year>, with an XXXX XXXX signing for it as included on the delivery confirmation page ( File XXXX ). 

On XX/XX/year>, I received an email reporting that the account had been paid in full and we would receive a refund of {$2500.00} through ACH Credit due to overpayment ( File XXXX ). On XX/XX/year>, I received an email reporting that one of the checks failed. I assume it was where a stop payment was placed, and we were penalized a {$15.00} failed check fee ( File XXXX ). They also advised me we would be charged a late fee if payment was not submitted within the grace period. I contacted Upstart again on Friday, XX/XX/year>. Once again, they could not locate the second check mailed during the conversation. In our discussion, the representative said she would have to investigate, which could take up to 45 days. She also advised that if I did not pay, I would continue being penalized for late fees, and the account would default. Additionally, when inquiring about the refund, she said the check would not be postmarked for XX/XX/year>, the original check receiving date, and we would not be refunded money since the account would technically be late. I requested to speak with a manager but was never contacted. 

Today, XX/XX/year>, I contacted Upstart again. After explaining everything for the fifth time and asking to speak with a manager, the representative advised that managers take Monday off. She attempted to place me on hold, and the call was disconnected. I do not know if she meant to hang up personally or if it was just an error, but I am at the point I do not know what to do.
Product: Bank account or service

I deposited a check on or around XX/XX/2016, at TD Bank , N.A . An extended hold was placed on the funds. I did not discover why a hold was placed on the funds until speaking with a branch representative on Monday. At that time, I was informed that the fraud department unilaterally decided on Monday to delay funds availability because of the " high incidence of fraud '' during the holiday season. I was not given a disclosure or made aware of this policy prior to depositing this check and I certainly was not given a disclosure 30 days prior to implementing this change as required by Regulation CC. 

The check was drawn on an account at XXXX. The check is from the XXXX of Massachusetts and it is for fuel assistance. I am a low-income individual, a single parent, and I need that money to be available to me. I have contacted TD numerous times and informed them that I believe this policy violates Regulation CC for several reasons and that failing to disclose this policy is unfair and deceptive.
Product: Mortgage

To whom this may concern : We were approved for a loan modification with our mortgage company at the time. Consumer loan financing. Our first payment was due XX/XX/2021. I called to pay that but was advised our loan was sold to Selene finance XX/XX/2021. Therefore my payment was denied. As I was told all payment history on file was null and void with consumer loan financing as of the XXXX of XXXX. I spoke to consumer to see whom we were sold to. The response was Selene finance. Consumer gave me their number and I immediately started calling. I can not tell you how many times I called Selene probably 30x at least! I started calling around the XXXX of XXXX prettt much begging them to take a payment which had been agreed upon for the loan modification. Selene told me they could not take anything as records had not been downloaded from consumer and they couldnt prove they were my mortgager or that I had a modification. I was told to call back in a couple weeks. This continued I for many months. Then all of a sudden around XXXX they said they had the information and if I wanted to keep my house I had to pay 3 months all at once! At this point I knew we had put in for Covid relief funds thru Vermont and we would be approved. I told them this and every person I spoke to had something different to say! I would ask to speak to a manger and was told no multiple times! They would pass me through and if they did we never received a call back! Finally I knew we weee approved by Vermonts VHFA! But they could t pay bc Selene wasnt boarded with them! They too tried to contact Selene and got no where! Selene then sent our mortgage to a law ex firm for foreclosure. This was news to us we never received a letter from the sheriff saying so or even in the mail! Honestly our loan being sent to a law office probably add things easier for us as they actually responded to our calls and emails! MY DISPUTE IS THAT SELENE charged us for XXXX dollars in attorney fees when it never shouldve gotten this far had they honored the modification in early XXXX. Which I was told by my previous mortgager that was a law and they had to for 90 days! I would like to be reindorsed this money as this was on Selene and not us. As far as I am concerned this place of business should not be on business at ALL! Please see all BBB reviews they are all true! They have put us through a living XXXX And as far as we are concerned I should sue them for more than the XXXX dollars in fees!!!!!! Please take this all into consideration and refund us our law fees of XXXX! Thank you! XXXX XXXX
Product: Credit card or prepaid card

For the past few years I have scheduled my Citi Mastercard payment through XXXX auto bill pay on the due date, the XXXX of each month or earlier if it falls on the weekend. I have had no issues until this past XXXX. The payment was sent electronically to them on the XXXX and they Citi claimed they received it on the XXXX and issued me a late fee of {$25.00} which was reversed after I called. I even scheduled on the XXXX of the month and they still received on the XXXX even though it was sent electronically of the XXXX. Apparently this continued for the months of XXXX - XXXX. I was assessed a late fee of {$25.00} for XXXX and {$35.00} for XXXX and XXXX totaling {$95.00}. I brought XXXX XXXX  into to file a complaint and to contact Citi for resolution as their records showed payments sent electronically on the XXXX. We spent over an hour with no resolution and multiple transfers to no one that could assist. They even gave us a different phone number to call that was not even connected to the account.
Product: Credit card or prepaid card

This is my third complaint regarding USAA. There was a balance transfer to my account that should never have happened. There were fees charged by USAA. Eventually USAA reversed the bogus balance transfer. However they made duplicate corrections and reversals for fees and interest that resulted in a balance due of {$69.00}. The account balance should be XXXX. But, because of USAA 's incompetence and posting of duplicate charges and reversals, they show a balance due. I closed my USAA account because of their incompetence.
Product: Debt collection

In 2019 I settled debt with XXXX XXXX and XXXX my accounts with them ; I had XXXX and my husband had XXXX. Apparently, they decided to sale my debt to third party ( Midland Credit ) after settling my account with me. Now, Midland Credit is attempting to collect approx. {$500.00} from me when I have already paid the money to the original creditor! I am no longer responsible for this debt!! I have proof that I paid it and I will not pay one more cent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If TransUnion feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each inquiry is 100 % true, accurate, correct, complete & VERIFIABLE ). If TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

CBA - XXXX is reporting on my credit for XXXX XXXX XXXX XXXX and I looked them up, I have never done business with them nor did I have an account. I have had mixed file issues with my name and this account is not mine.
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. XXXX XXXX XXXXXXXX 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a copy of my credit report and told them that they had accounts on my file that did not belong to me. I sent a copy of my credit report to them and circled the fraudulent accounts that do not belong to me. They only removed 3 of the fraudulent accounts and left the others on my credit file. I sent them an FTC Identity Theft Report # XXXX to all 3 credit bureaus. My social security number was in the credit bureaus data breach as well. They just do not seem to care if it was or not. I told the credit bureaus that these fraudulent accounts do not belong to me. Please have them to remove these fraudulent accounts from my credit file. This is causing me severe stress.
Product: Debt collection

My ex-husband has been contacted by a debt collector who identified themselves as IQ Data. They said we owe {$7000.00} to our previous rental/apartments. When asked if a validation letter was ever sent, the collector advised it was sent to our old apartment which is why it wasn't received. I put in a mail forwarding request with USPS and we never received a validation letter. The collector advised my ex-husband to take out a loan and payment must be made in full in two days otherwise they will assume it is a refusal to pay and send a judgement to seize property or garnish wages. They have not given us any time to dispute the debt nor have we been informed how to dispute the debt. I am writing this on XX/XX/23 at XXXX and the collector advised that we have until this same day at XXXX to make payment before they go through with refusal to pay. The collector 's name is XXXX XXXX and he has also contacted my ex-husband on XX/XX/23 and XX/XX/23 demanding payment with deadlines attached.
Product: Credit card

Subject : Chases Deceptive Dispute Practices Lack of Transparency in Chargeback Process To Whom It May Concern, I am writing to formally raise concerns about Chases handling of credit card disputes, specifically the lack of transparency regarding customers rights in the dispute process. 

I initiated a dispute against a merchant, and after the merchant responded, I was asked to provide additional information, which I did. However, instead of moving the case to pre-arbitration or arbitration, Chase unilaterally decided in favor of the merchant. 

In the letter I received on XX/XX/year>, Chase failed to disclose any options for continuing the dispute or appealing the decision. The letter was worded in a way that suggested the decision was final, without any mention of further recourse, effectively misleading customers about their rights under the chargeback process. 

Chase must cease these deceptive practices and provide clear, transparent information to cardholders regarding their right to appeal, escalate, and continue the dispute process, including arbitration if applicable. Customers deserve fair treatment and full disclosure of their rights when engaging in the dispute resolution process. 

I urge Chase to take immediate action to address this issue and ensure that all dispute resolution communications are clear, accurate, and in full compliance with consumer protection regulations.
Product: Credit reporting or other personal consumer reports

This creditor engaged in XXXX XXXX, and XXXX practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX somehow became involved, and XXXX did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from my credit report.
Product: Mortgage

South State Bank has recorded three late payments and reported that on my credit score to the credit bureau 's, I have attached both my email exchange and their response back to my query. I'm contesting the Late payment Charge for the XX/XX/2017 payment where the payment due was {$4400.00} and I made a payment of {$4300.00} which was simply an error of {$38.00} in my calculation. I contested this late payment filed by SSB since it was a small amount and they had not reached out to me or sent me any communication of the shortage of {$38.00}. I quoted CFPB articles that protect me from unreasonable practices and predatory lending processes where they are trying to ruin my credit score for {$38.00}. Response I got is attcahed where they have refused to acknowledge the CFPB guideline on servicing.
Product: Mortgage

My identity has been stolen from hackers that XXXXNew Rez continue to put on me where they are now committing fraud by applying for loans against home or home loans in my name. I am getting messages like attached to email inbox that I did not do anything to trigger. I am homeless living in a homeless shelter. No job. I have no income to even qualify for a loan. In no way, shape, or form do I have any plan to apply in the near, present, and far future, for any type of loan. This is fraud being committed where if loans actually go through can be traced to where funds go and will not lead to me since I'm penniless and do not even have a debit account for anything to get deposited to. Please do not allow this fraud to be committed on me or the institution that has already done so much to me that i now have to now worry about fraudulent loans being allowed to be taken out in my name at New Rez now as well.