23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in XXXX had had gotten onto a three month plan to help bring my account up to speed. I had previously had issues logging into my XXXX XXXX account as it kept saying it was not a secure network. 

I agreed to an automatic payment plan for three month to be put back on track. The employee accidentally skipped a month of the automatic payments and caused me to show as delinquent still and not following the agreement. 
I called in over the weekend and spoke to a manager who understood what had happened and told me he would mark the account as up to date for XXXX payment once it was made. I asked if I made the payment over the phone that day if it would count for XXXX and he said YES. I verified that I would not owe again until XXXX and he said yes. He stated my next payment in XXXX would be around XXXX dollars or less. 

I checked my account today because I was hoping the late fees or at least some would be forgiven since the employee had made the mistake during set up for the payment plan. I instead saw that I now owe for XXXX still, {$65.00}. 

When I called in I was told that the payment was processed correctly and that I still owe for XXXX. I have been lied to twice by them now whether it was intentional or not about my account and my ability to trust them. I am genuinely trying to turn my life around and fix all of my finances but this company is making me feel very much like they will do anything to hit my credit score repeatedly and hit my account with late fees every chance possible.

I was told there was no note of the manager I spoke to tell me I would not owe again until XXXX. I told the man I spoke to that I was in a financial pinch but that I would make an extra XXXX dollar payment for XXXX early to bring my account up to speed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I pulled my credit file from Experian with a report number of XXXX and located two closed accounts ; XXXX  XXXX, and XXXX XXXX which have been obtained and are currently being furnished in direct violation of 15 U.S.C. 6802 ( b ) in addition to being in violation of FCRA U.S.C. 1681i, 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FDCPA 15 U.S.C. 1692 et seq. 

I went online and opened a dispute with Experian through XXXX on XX/XX/year> to which I have a notification online in my Experian notifications section stating my disputes were submitted on XX/XX/year> listing a report number of XXXX showing identical dates and information for both disputes. 

On XX/XX/year> I received notification from Experian that my disputes have been updated. 

One notification displays an updated remark stating " The incorrect account with XXXXthat starts with XXXX has not been changed and will remain on your credit report ''. That notification goes on to display a report number of XXXX. 

The next notification displays an updated remark stating " The incorrect account with XXXXthat starts with XXXX has not been changed and will remain on your credit report ''. That notification goes on to display a report number of XXXX.
Product: Mortgage

In XX/XX/2021, a payment in the amount {$13000.00} was to be paid towards the principal on loan # XXXX. The entire principal and interest at the time was {$13000.00}. I've just received a statement showing {$9000.00} for XX/XX/2021 statement and other charges not told to me by COLLECTIONS at the time I made the payment over the phone. THUS, My {$13000.00} was not applied to the principal loan amount.!!! 

In accordance with the loan agreement My MORTGAGE has been satisfied in full!
Product: Debt collection

I got a voicemail with this woman name XXXX stating she has got a claim this morning with my name on it and gave me the claim number and told me I needed to call her back that way she can get my address and my place of employment that she needed it and I have one opportunity to give her a call to discuss this matter then tells me I have officially been notified on the voicemail. I did call them back to see what this regards and they wouldnt tell me nothing then asked if I was XXXX XXXX and I told the woman no for the simple fact there are to many scammers out there and Ive never heard of this company at all and then they harassed 2 of my friends leaving voicemails of the same thing on their phones and why call them and harasse them Ive got no clue or how they knew to call them or get their numbers.
Product: Credit reporting or other personal consumer reports

I filed a dispute in my report from identity theft and transunion and XXXX is the only creditors that didn't remove the items from the dispute but I have proof XXXX removed the same information that I disputed through all XXXX XXXX transunion and XXXX failed to do the full investigation to remove these items. 
XXXX creditors is a fraudulent account And first interstate bank XXXX was actually paid off.
Product: Debt collection

I was reviewing my consumer report when I noticed this collection from Americollect Inc. 
I don't know what this is for, therefore I sent a debt validation request on XX/XX/2020 and based on tracking it was received by Americollect Inc. on XX/XX/2020. I only received a statement however this still does not validate my request pursuant to15 USC 1692g.
Product: Debt collection

This law firm has not contacted me via email, mail, nor telephone in reference to my credit card debt. However I am receiving letters from other law firms to defend me in reference to a lawsuit filed against me from this law firm that I did n't know exist. This is a scary yet unprofessional matter!! I 've tried to contact this company several times and I 'm getting nowhere. This is a matter I would like to resolve professionally before it gets outs of hand ... This law firm is unpredictable and very shady..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX Services is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.
Product: Credit reporting or other personal consumer reports

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments.

Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. Transunion and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : 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. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and Experian as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
Product: Money transfer, virtual currency, or money service

I have previously filed a complaint through CFBP on XXXX XXXX XXXX the complain ID : XXXX about Coinbase company and the fact that they have locked my account for 33 days now and not only they respond very rarely but when they do they claim that the documents I provided them with are not accurate which I strongly reject and I will send you a screen shot of what they asked and what I provided to find out who is not doing the job right. 
I held around 3 BTC with Coinbase and I was a day to day trader. However they locked my account based on a false claim that my account was logged into from a prohibited country and ever since for some reason they kept ignoring me and my documents which proves they are wrong. 
The reason I am resubmitting a complaint again is because they asked me to provide them with 1- A bank statement not older that 30 days. 2- A utility bill not older than 30 days. 3- Government issued ID.

So I sent them 1- A full PXXXX XXXX statement dated XXXX. 2- Electricity bill dated XXXX. 3- XXXX passport. 4- XXXX driving licence. 
All containing what they asked for which is my name and my current address and bank details and etc. 
Surprisingly the E mail I received instead was : ''The documents you provided was older than 30 days and you did not provide your ID '' I am so frustrated with their customer service and I would like you to have a look at what they requested and what I sent to them. 
Please help me as I feel helpless and I think Coinbase intend to hold on to people assets for as long as possible Coinbase the price of Bitcoin is sky rocketing.

They do not care to correspond well with me as a customer and do not care if I have family and need to look after their well beings. 
Please help. Thank you. XXXX XXXX
Product: Student loan

Hello my name is XXXX XXXX, I can be reached at XXXX. I would like to file a complaint with this agency regarding my experience with the XXXX XXXX program. I was told my student loans will be paid off in full and was charged a fee of {$1300.00} to their third party vender Equitable Acceptance. After contacting and speaking with representative from Ombudsman group through the FAFSA program I was informed that my loans were in fact not paid off and my loans were only consolidated and the services can be completed for no charge, has they believed I was scammed by the XXXX program.
Product: Checking or savings account

Back on XXXX XXXX I filed 2 claims with Bank of America one claim for XXXX # XXXX. And another claim for XXXX claim # XXXX after being denied both claims on XXXX XXXX I called and talked to XXXX from Oklahoma she told me the reason for denial was because they did there investigation and they came to the conclusion that I gave someone permission to use my card So I refiled my claims and this time I had my documents to prove that I filed a police report I emailed the FBI I also filed a claim with the XXXX I also emailed my Attorney Generals office.I also asked for the documents Bank of America used in making this decision which I never recieved.Bank of America ended up approving the claim of XXXX XXXX XXXX but did not approve the second claim which was on the same account as claim one.The XXXX XXXX XXXXXXXX was not approved. I NEVER RECIEVED THE DEBIT CARD BANK OF AMERICA HAS A XXXX LIABILITY JUST FOR THESE INSTANCES HOW CAN THEY APPROVE ONE CLAIM BUT NOT THE OTHER IT MAKES NO SENSE BOTH CLSIMS CAME FROM THE SAME ACCOUNT.AND AT NO TIME DID ANY OF THE REPRESENTATIVES TELL ME THAT I COULD FAX OVER MY DOCUMENTS I FOUND THIS INFO OUT ON MY OWN AND PROCEEDED TO FAX THE POLICE REPORTS THE REPORTS TO THE FBI AND TO THE XXXX JUST WANT THIS ISSUE RESOLVED ASAP.
Product: Checking or savings account

The bank, Wells Fargo, had given insufficient response and resolution despite providing all substantiating documentation.
Product: Credit card or prepaid card

I've noticed that I had received a few email communications and marketing information for " XXXX ''. We share a last name but my name is not XXXX, and I do not know anyone with his name. Because of this, I deleted the emails considering them junk/phishing emails without really looking at them and believing it was a fluke that would resolve itself soon enough. Today I just happened to read the information in the email and realized the email had the customer 's full name, the last 4 of their credit card number, available card balance, and referenced his birthday. In my opinion, this PII is a great starting point for identity theft. 

So today, I contacted Lowes Credit Services/customer care ( Synchrony Bank ) to advise them of the issue and share my concern that if they are sending his information to me that I felt my information may be compromised as well... I spoke with XXXX at approximately XXXX XXXX XXXX who told me it couldn't happen. Well obviously it can because I'm getting his email which has a lot of his personal information. 

I conceded that maybe she might not have the tools to investigate further but I was extremely concerned that she wasn't even considering escalating this issue or trying to identify the correct person to which the issue should be passed. As a database programmer, I felt fairly certain that the 'correct person ' could search by email address ( since I'm receiving his information via email ) and find out whose account information I was receiving. I offered to provide my email address so they could search by email and find the account but she expressed no interest. I didn't want her to confirm his information with me... I wanted her to identify and fix his information and verify that mine isn't being sent to someone else.
Product: Credit reporting or other personal consumer reports

I did not approve these inquiries and strongly believe they are deceptive. I urge you to conduct a thorough examination and promptly erase them from my credit file. Supporting documents have been provided for your consideration.
Product: Vehicle loan or lease

XX/XX/2018, I paid off my car loan. The bank never sent me the original title. Recently, I requested the title ; however, I received a letter stating that I paid off the loan. Again, I requested the original title. This time I was sent a lien release letter. I called again and I was told they sent the XXXX   DMV an electronic lien release. I was not told why I have not received the physical title. 

This is not the first time I have had an issue with Key Bank being my loan servicer. Initially, when I paid off the loan they refused to automatically close my account. I was also told that I had to close the account in a Key Bank branch, and I would incur a fee for everyday the account was open. After complaining and threatening to file a formal complaint, my account was closed.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with XXXX and Transunion reporting. XXXX XXXX deleted an account off my credit report but it still shows on both XXXX and Transunion. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than Transunion. Something on XXXX side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need Transunion and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for reporting a late payment on my credit report without providing proper documentation to substantiate the alleged delinquency. Despite my written request for proof, the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Below is a summary of my issue : Request for XXXX of XXXX XXXX : I requested that the student loan company provide specific documentation showing : The due date of the payment in question. 
The actual payment date or proof that no payment was made. 
Any notices or warnings they claim to have issued regarding the alleged late payment. 
Proof that I receive the biling statement by providing mail tracking documents Inadequate Response : Instead of providing the requested documentation, the company sent a response containing only general loan documents and references to the original loan terms. This response did not address my specific request for proof of the late payment or the timing of any missed payment, nor did it include any billing records or payment history. 

Violation of FCRA Requirements : Under the FCRA, furnishers of credit information are required to verify and provide accurate records when a consumer disputes the accuracy of information reported to credit bureaus. In this case, the company has failed to meet these requirements. Since they have not provided proof of my delinquency, they are obligated to remove the inaccurate late payment from my credit report.
Product: Mortgage

Hello Consumer protection, please protect me! 

I am XXXX XXXX XXXX and, This stealing must stop. I paid my H.O. Ins policy in full as I always have. Im the XXXX XXXX  on my policy. ( See attached ) Its Paid in full, so XXXX is not paying anything. Theyre just stealing money from my escrow. 

They have not made a payment at all for years. WHERE IS MY MONEY? 

My homeowners insurance goes down My Property taxes goes down ( see attached dated documents ) But SLS. Continues to take payments for these escrow bills out of my account knowing they are not paying anything or any agency. WHERE IS MY MONEY from my escrow account? 

I need ALL OF MY MONEY BACK I NEED MY ESCROW OUT OF THE SLS AND TO BE PAID ONLY BY ME. 

This is larceny, fraud and criminal because SLS KNOWS THEY ARE NOT PAYING MY ESCROW -.BUT INSTEAD STEALING MY ESCROW FUNDS. 

See SLS lie below saying they are making payments. My insurance company is not collecting double payments. Im the writing insurance agent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY. XXXX ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX Date : Friday, XX/XX/XXXX Subject : We Just Made Your Insurance Payment To : XXXX Error! Filename not specified. 

Hi XXXX XXXX, This is a confirmation email to let you know we just made one or more insurance payments for your loan ending in XXXX. 

XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Our customer website makes it easy to view your loan information. Click the View Transaction History button below to access your account. 

You can make payments, order payoff quotes, change contact information and much more. 
Never miss a payment! Set up recurring monthly ACH payments credited directly to your account. 
Go Green! Help the environment by signing up for electronic document delivery. 

Error! Filename not specified. 

We have also created easy to follow XXXX videos to guide you through what to expect if your loan servicing has recently transferred to Specialized Loan Servicing LLC. The videos also explain the information included in your periodic statement and your escrow analysis statement. 


Questions? Contact Us. 
Error! Filename not specified. 
Monday Friday XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Error! Filename not specified. 

www.sls.net If you no longer wish to receive email communications from Specialized Loan Servicing LLC, click here to unsubscribe. You may also update your email preferences by logging in to www.sls.net to access your account. Select the Customer Profile link, then selecting the Change Email Preferences tab.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to remove any erroneous accounts from my credit report. Can you verify the documents? Some listed accounts have incorrect reporting, amounts, and dates.
Product: Checking or savings account

I had a payment arrangement with XXXX and I used my checking account information for the payment. I have had this account for more than five years. I use the routing and account # for electronic payments all the time. My payment with XXXX was declined saying they would not accept due to information from Telecheck. Knowing I do not have bad checks out there, I call Telecheck who states they declined my payment, defaulting my arrangement because I had not had any transactions with them. I feel this is ridiculous. I can see blocking my payment if I had bad checks but not because my transactions have not gone through tele check. Telecheck needs a different way to verify if someone authorized something other than denying needed payments. Now I am told I can not pay until their system refreshes and she did not know how long that would take but I need to submit the payment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already submitted a complaint about this business. Now Im going to state how many of my rights they violated they were not fair or equitable and also defamed my character. I have a right to privacy I havent gave them permission to run my credit or my information. Also I was denied without an explanation or reason why. 15usc1681i, 18usc1961, 15usc1681b,15usc1681b4,15usc1681a4,15usc6801,15usc6802