23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been trying to validate this debt with no success. After multiple letters to both National Recovery Agency and the 3 Credit bureaus for assistance with validating this debt I have received no sufficient response. XXXX will not respond to me whatsoever even though I can clearly see that they have been receiving my letters. This negative reporting has caused me to miss opportunities and has hurt my reputation. Since this has been on my credit report I have been denied for mortgages and it is currently preventing me from moving forward with my business. I am working very hard to resolve this matter but am being ignored by the companies involved. I have been requesting for validation from the moment I received notification of the collection and have very detailed tracking history. I have uploaded a few documents and more can be provided if needed. This does not seem right that I've had to work so hard just to simply have this validated and have been left with no other options.
Product: Credit reporting or other personal consumer reports

Ive never really known much about criedit but once I did learn about it in 2022 I started trying to elsrn more. Once I started I found out I had a score as well as different tbings but this one stood out as I dont even have a car why would I help somebody else get one im not sure.
Product: Credit card

I've consistently ensured that payments on this account are made on time, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team : This repossession was made without following the laws and procedures specified Under the laws of Rhode Island Title 6 Commercial Law General Regulatory Provisions, Rhode Islands Uniform Commercial Code and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demanded proof that the repossession of the subject vehicle was legal in accordance with the following UCC and The Rhode Island Automobile Repossession Act

Chapter 51 : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 6-51-3. DEFAULT, NOTICE, RIGHT TO CURE, REINSTATEMENT. I required CREDIT ACCEPTANCE CORPORAT an
d DEANCO to provide me with copies of the legal notices sent and proof of the commercially reasonable manner of the notification and notice of resale of the subject vehicle for my records. They failed to investigate this account properly, proof this repossession was made lawfully and all the legal notices required after I sent letters to them and they neglect has violated my rights to have an accurate credit history and hurting my ability to be accepted for new credit. 

I am demanding a immediately deletion of the following account from my credit report across all the 3 bureaus : Accounts Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On X/X/2017 I called Clay Cooley aka XXXX XXXX to pay my {$23.00} late fee for XX/XX/XXXX and make arrangement to pay on X/XX/17 I was advised they will reset gps that was beeping as reminder and can not accept payment due to the loan being sold. I asked if this is legal and express my concern that I have not sign any contract with anyone else and was not notified by Clay Cooley that this was going to take place and has via phone call or mail. She apologized and provided me with contact number and name of company that has my contract of XXXX XXXX XXXX. I called and advised I did not feel comfortable speaking with them and feel I should not have reached out for I have no signed contract with you and uncertain that this is legal, the rep then advised that a welcome letter was mailed and I should receive by the weekend and I can make arrangement to pay as I was with Clay Cooley for XX/XX/XXXX. I again expressed my concern and advised I will look over my contract with Clay Cooley and what every you mailed, try to seek attorney advise and revert back if that 's what I should. Is this legal, I did not see anywhere in my contract that Clay Cooley can sell my obligation. I 've attached a copy for review. Regards, XXXX XXXX
Product: Mortgage

Aurora Financial advertised a mortgage rate via XXXX that they did not honor in practice. The XXXX data and the Aurora Financial quote were on the same day and based on identical qualifying criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB KEEPS ALLOWING THE CREDIT BUREAU TO RESPOND WITH IT'S NOT ME REQUESTING THESE INVESTIGATIONS YOUR AGENCY HAS FAILED TO VALIDATE THE DEBT Its peculiar your agency alleges you validated this debt, but have REFUSED to provide me with proof of what method you utilized, whom you spoke to and the dates, WHICH IS MY RIGHT AS A CONSUMER According to the above FDCPA Section FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .. Your agency failed to provide relevant  documentation that shows clear evidence you Investigated my credit dispute PROPERLY. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Your agency removed the account then added it back to my credit files, which is a violation of FCRA. AND your agency is the ONLY credit bureau that has NOT removed this negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Date of inquiry : XX/XX/2020 XXXX/XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX
Product: Vehicle loan or lease

Wells Fargo auto loan and wire transfer article sent me to this site to make a complaint for a class action suit I believe it's all very confusing but I know just from going into the bank they are very unscrupulous when dealing with them. 

thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  service violated my rights. 


15 U.S.C 1681 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 challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
Transunion is stating the high credit is {$990.00}. 
XXXX  is stating the high credit is {$0.00}. 
XXXX stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need credit report update XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX from XX/XX/2021. Attached is the letter from XXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.
Product: Mortgage

I was called by Quicken loans because I had used their mortgage calculator online. I told them I couldn't talk because I was busy with my daughters, they asked when I could talk, we agreed on a time, they continued to question me, I informed them I was just playing around with numbers, I was not sure if I wanted to buy a house, and if I did it wasn't going to be for at least 6 months. They asked for my social security number, I asked if they were doing an application, they said no, I gave them my number, and within an hour or so I got a notification that they had approved me from a loan, and one from XXXX   saying that I had a new hard inquiry. They did not have my permission to pull my credit report.
Product: Mortgage

We got off track with our mortgage payments in 2016 and had to file bankruptcy. The attorney worked with Ocwen to get our payments back on track and start a Modification on the loan with Ocwen. We went through that process and got back on track, the whole time making payments. Ocwen never applied any of the payments to anything and then they told us that because they were not the full payment that the money was in a suspense account which we never were told and never saw. One lady even said that once our modification had been completed they would apply the suspense account to our mortgage. Well you know that never happened and we are still making all of our payments on time and still have no clue where this money went. I've emailed the company on several occasions and still have not received any reply.
Product: Mortgage

Made a principal payment on my BMO HELOC  on XX/XX/year>, from my BMO checking account. The money was withdrawn, but never credited to the HELOC / mortgage. Talked on the phone with the digital banking group twice and one online chat and the mortgage servicing group twice. This was on XX/XX/XXXX and XX/XX/XXXX. The first four times both teams said they could not help me and I need to talk with the other group ( banking or mortgage servicing ). After insisting that I need to talk with someone who could resolve or research, the mortgage company agreed to do so. The issue is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$480.00}
Product: Money transfer, virtual currency, or money service

{$13.00} was unauthorized on my cash app XX/XX/year>2025. 
I filed a claim and it was denied the same day. 
I had the card in my possession but I did not make that charge. 
I was told to get a new card which I did and was charged {$5.00} plus tax. 
They didnt even investigate. I was just told I made the charges or authorized it. 
And denied the claim again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17,XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ca XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/17,XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/17 All of these companies have inquiries on my credit report that were never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BEAURAS DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

!. ) XXXX XXXX  XXXX - FALSE LATE PAYMENTS ARE REPORTING : DATES : XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 REQUEST : PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX XXXXXX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED XXXX. ) XXXX XXXX XX/XX/2022, XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE XXXX. ) XXXX XXXX THIS ACCONT IS PAID TO XXXX AND CLOSED. 
XX/XX/2022 ; XX/XX/2022 ; XXXX XXXX  ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX  THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

UNAUTHRORIZED INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

Hello, I 've been dealing with XXXX XXXX XXXX for the past 6-months. I 've worked with XXXX XXXX XXXX  XXXX XXXX ( a XXXX ) organization for the past three years. I recently found out that they have not been counting my payments towards loan forgiveness over this period. 

I 've been writing them and working with them consistently and finally got a determination that I have qualified for 13-payments. I 've been working for this XXXX for 37-months. I agree that my first year of payments should not count as I was working as an XXXX/XXXX XXXX XXXX fellow and did n't apply my award in a lump sum award. However, the other 25 months I 've worked at my organization should be counted towards forgiveness. 

After my determination, I asked why they did not count the other 12-payments and they simply sent me a chart but did not give me a determination as to how or why they came to this. Similarly they stated in a chart that there were 11-months that they received no payment yet I again have documentation of this. 

Then, they attached a chart which said they did not receive full payments. I have bank records and other documentation showing this is completely false. I truly believe they are lying intentionally. 

They 've said multiple times they 've never received documentation from me but yet I have copies of these things. I would like assistance getting to the bottom of this issue.
Product: Debt collection

I had disputed the debt with Americollect for {$1000.00} they are trying to collect from a hospital. I was insured by Medicaid for % 100 of all hospital services and had given my insurance information  any time I went to hospital or physician. The account was placed for collection XX/XX/2013. Americollect had not sent me notice that it was to report to credit reporting agencies. This account has to be from a billing error. I have not received an Itemized bill from hospital or americollect or who has been billed in regards to services.
Product: Credit card or prepaid card

I have had my credit reduced by AMEX corporation and was not given any specific reason. My credit score is the same and I have never missed a payment. 
I have had payments delayed due to lack of communication between Amex Checking and Amex Savings but have made the payments the next business day in full. 
My authorized user used XXXX XXXX XXXX XXXX to pay her Amex Blue card and XXXX XXXX XXXX XXXX bank failed to honor the CASH deposits to pay her account. 
I have had my account limited and have had to appeal which is essentially reapply for credit despite my 19 year history with Amex Bank. 
In addition to all of this I have had Amex bank make repeated " draws '' on an account already paid and was advised that " NOONE can stop or override the draw once it begins and it draws three times. 
I am owed XXXX XXXX ( I can't be certain without an audit ) that was never returned due to the automatic draws despite the fact that the bill was originally paid. 
I would like to continue doing business with Amex but if they deplete my account with no objective rationale then I'll move to XXXX and just maintain an emergency account there. But to pay an annual fee that is one third of my limit is ridiculous insulting and in violation of several REMA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Charge-Off : XXXX XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE YOU WRITTEN NOR ORAL CONSENT TO PLACE AN EXTENDED FRAUD ALERT ON MY CONSUMER FILE PURSUANT TO THE FCRA. I DEMAND THE REMOVAL OF THE EXTENDED FRAUD ALERT. Thank you. Peace and blessings!!!
Product: Mortgage

The Servicer on the loan is : GREGORY FUNDING The person in charge of the Short Sale : XXXX XXXX I am trying to get a Short Sale Approval since XXXX, XXXX An appraisal was done on XX/XX/XXXX ; however, Gregory Funding DENIED to give the results of the appraiser, but request a Counter offer for {$460000.00} which was provided on XX/XX/XXXX However, they DENIED the Short Sale because they were asking to close in less than 30 days, and the contract was specific in this : CLOSING AFTER 30 DAYS OF APPROVAL A new complete package was sent on XX/XX/XXXX with a {$460000.00} offer, and XXXX XXXX sent the complete package to the Lender on XX/XX/XXXX, by next day XX/XX/XXXX the Servicer sent a DENIAL letter on the Short Sale specifying that the offer was not enough, and that it was under the market price ; THEY DID NOT ASK FOR A COUNTER OFFER AT THIS TIME. 
Moreover, GREGORY FUNDING " revoke '' all 3rd party authorizations including the realtor XXXX party authorization. There is NO transparency from Gregory Funding in this process, and servicer does not want to provide the appraiser results, so we don't know how much the property appraise at this time. 
Gregory Funding specifically Miss XXXX XXXX called the borrower stating that the lender and her do not want to work with the Realtor from the sellers " XXXX XXXX '', and that this is why they are not moving forward with the short sale that we should find another realtor
Product: Checking or savings account

On XX/XX/2021 at approximately XXXX  - XXXX I deposited {$550.00} in cash into a Citibank ATM located in the drive through lane of Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I inserted by debit card into the ATM, entered the pin, inserted the cash. The ATM accepted the cash, but it acted as if I did not insert anything in it. It did not give me a receipt for the deposit. I waited in the drive through lane for a while, and later went into the branch to complain that the ATM took my cash. The branch manager said that he couldn't do anything, and that I need to call the XXXX number at the back of my debit card. 

I called the XXXX, and was told that they would investigate and issue a credit for the deposit. I received a letter on XX/XX/2021 advising me that " there was no cash discrepancy for that location on the date in question '' and therefore Citibank will " deduct the provisional credit ... within five business days from the date of this letter. '' As a result, the Citibank ATM stole {$550.00} from me, and the bank is refusing to give me a credit for the cash.