23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Again, Per the FCRA as a federal protected consumer I am now opting out of any and all authorization, I the consumer may have given you. Written /unwritten, verbal or non verbal per USC 6802, Also per the Privacy Act of 1974. 

Also, This does validate any debt that I have with this company. 

The company XXXX XXXX XXXX XXXX XXXX XXXX wrote this debt as a charge of and put the balance as XXXX per page three of this same report that you XXXX XXXX XXXX XXXX XXXX XXXX provide as attachment. 

According to the IRS when a company has a charge-off on a debt, it is considered a certificate of indebtedness. 

A certificate of indebtedness is considered income and income can not be reported to the credit report. 

Since the debt is considered a charge off and the balance is XXXX dollars according to the attachment that was sent by XXXX XXXX XXXX XXXX, how do I owe this company the alleged debt. All in all, you do not have proof on how you obtained my information. That is considered IDENTITY FRAUD.

Also, per your attachment you included interest charges on a fictitious debt. According to Nevada Revised Statutes 649.375 attempting to collect interest charges or fees is prohibited.

All in all, you do not have proof on how you obtained my information. That is considered IDENTITY FRAUD.

Included in your attachment, it states that the debt is charge-off and the balance is XXXX. That means You ( XXXX XXXX XXXX XXXX ) obtained my information without my consent ( illegally ), reported it to my credit report, slandered of my name, violated my Consumer Rights and stole my identity. 

According to the FCRA, fines are XXXX per violation. The company has been reporting to my credit report since XX/XX/XXXX. 

Per, NRS11.190 This company is past the statue of limitation reporting on the alleged debt. 

Violation one : Charging interest per month since XX/XX/XXXX Violation two : Identity Fraud With XXXX2 months in a year multiplied by 6 years, that total out to be XXXX XXXX dollars. times 2 worth of violations that XXXX XXXX XXXX XXXX is admitting they have committed. 

This does not include the emotional embarrassment that came from being denied credit because of this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. That has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

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 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 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 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: Mortgage

We are first-time homeowners. 
We used Certus Capital , LLC, a mortgage broker. 
Because this was done with a VA loan, it was very hard to find a place that would accept us. When we finally found a place, we contacted this man, who said that this process was very tedious and that he would walk us through it. Upon the first meeting, he informed us that in the worst-case scenario, our mortgage would be XXXX per month..again, worst-case scenario. 
We should have known he wasn't trustworthy when lied to us about the assessment. We were frustrated at the lack of response from the other party so we wanted to back out of the deal- but he told us that the assessment came back over XXXX what we were paying, he told us we really shouldn't let this property go. When we asked for the papers, he wasn't responsive and at that point, we were just so eager to move because we had to leave our other place. He led us to believe that our property was worth more, and we trusted him. After asking him for the assessment many times, he finally gave it to us begrudgingly, and the number he had told us was a lie. He got very angry with us, that he had made an honest mistake... but we were a few days away from closing. 
He told us that we would lose all of the money that we had put for the down payment and that it was too late to back out. We were afraid to lose our XXXX so we continued, although we were weary. 
Now our payments come in at $ XXXX. After the first bill, our mortgage bank changed. We were also just sent a letter saying that we owe money from an escrow account. We are struggling every month to make payments, we're afraid we might lose our new home. We feel that there were some unethical things that were done. Please help us. I think he charged us a bunch of hidden fees, we'd like for someone to please look it over. 
I appreciate your time.
Product: Credit card or prepaid card

Comenity Bank notified me they were closing ALL accounts under the XXXX XXXX XXXX XXXX, effective XX/XX/2022. The notification advised customers could redeem accumulated points for statement credit, gift cards, etc. They then took their website down. I check it every couple days for the last 2-3 weeks. It is still down as of today, XXXX. Their Customer Service number only has a recording to call back later. There is no way to contact them, and I have substantial points to redeem.
Product: Credit reporting or other personal consumer reports

I have been a member with USAA for XXXX  years never to have an accident or file auto claims as I did in XX/XX/2022. After trying to get insurance again after my car is finally complete I was told to call XXXX XXXX because underwriting can not approve a policy for me. 
My issues started when I was coming home and the gate bar fell on top of my car. I called to make a claim for the damages. When the assigned claims adjuster called me we talked about other minor damages to my vehicle. Besides the roof damage, I had dents from a gas station pole when I opened my door, I had damages on the door when I was locked out my car and damages on bumper when i backed into a cement pole at a store. She informed me that USAA can fix all of those and to submit the claim. I did just that on the app in one claim. Once reviewed by the adjuster, she called and suggested to make 4 separate claims since I had no deductible. Since I didn't know the exact dates she chose the dates and recently informed me that she added dates unknown in her notes. The dates being XXXX XXXX, and XXXXXXXX XXXX 
Now I have been calling and getting different answers from different agents from policy services and claims, even one that read the note that underwriting stated not to transfer my call to them but their supervisor wouldn't return my calls so another agent suggested I speak with the director and submitted a request. He returned my call and told me his adjuster did the right thing with the claims and would not have known it would affect my consumer report like it has or cause USAA underwriting to not approve me since she is not knowledgeable in that area. I would like this investigated and resolved because these claims have ruined my reputation as a driver and consumer.
Product: Checking or savings account

Dear Sofi Support Team, I am writing to seek your assistance regarding a serious issue I have encountered with identity theft. Recently, I discovered that fraudulent accounts have been opened in my name without my authorization. This situation has caused significant concern and has impacted my financial security.

To address this issue, I have taken the following steps : 1. Reported the fraud to the relevant authorities.

2. Notified credit bureaus to place a fraud alert on my credit report.

3. Initiated a formal dispute process for the unauthorized accounts.

Despite these measures, I need your support to resolve any related issues with my Sofi accounts and to facilitate the reopening of new accounts in my name. Your prompt assistance in reviewing and rectifying this matter would be greatly appreciated.

Please let me know if you require any additional documentation or information from me to assist with this process.

Thank you for your understanding and prompt attention to this matter.
Product: Mortgage

XX/XX/2020, I was late making my mortgage payment to Shellpoint Mortgage Servicing due to COVID-19, which negatively affected my income. I contacted Shellpoint Mortgage Servicing in XX/XX/2020 to advise of my situation and ask for help. I was granted a forbearance and advised the late payment would not be reported to the three credit bureaus as the issue was due to COVID-19. However, the late payment has been reported to all three credit bureaus, negatively impacting my credit score. I contacted Shellpoint Mortgage Servicing via their website to request that the negative rating be removed from my credit report as it was due to COVID-19. However, I did not receive a response. 

Before XX/XX/2020, my account was in good standing with no late payments. My mortgage account is in good status, and I have not had a late payment since XX/XX/2020.
Product: Credit reporting

I disputed the following account on my TransUnion credit report, since I had no knowledge of it : XXXX XXXX. 
TransUnion " verified ''. 
On XX/XX/2016, I requested a reinvestigation, asking for specific information about this account. This request was received by TranUnion, and signed for on XX/XX/2016. 
TransUnion once again " verified ''. 
I contacted XXXX on XX/XX/2016 asking for verification of this account. The letter was received and signed for on XX/XX/2016. 
As of today, XXXX XXXX, XXXX has not replied. This exceeds the 30 day limit. 
TransUnion obviously " verified '' without contacting XXXX, and then " verified '' AGAIN when I asked for a reinvestigation. 
Since TransUnion obviously did not contact XXXX and can not give me any evidence proving this is my account, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I have deposited checks into my bank account and I was not credited the funds. And it caused me extreme hardship and suffering. The suffering I experienced was eviction and didnt eat for a week which is very painful and hard to handle, but navy federal is wrong. I requested the original checks to be returned to me which they didnt return rather instructed me to contact the company and request issuance of a new check. Navy federal also sent me whats called substitute checks back and only after close to a month did I receive them, however with those checks, I cant even cash them anywhere as I called several institutions that informed me that they dont accept them and even the check cashing places informed me of the same
Product: Credit reporting or other personal consumer reports

I sent Equifax a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXXthese accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately
Product: Debt collection

I keep getting calls from individuals claiming to be a debt collector for Afni. They refuse to identify what their company does without being given information first. I had to look up the name and have found that multiple people have been called/scammed by them. They have an automated system when you call their number back that provides a website, afnicollections.com, and it is a flagged website. I asked them to remove my number from their list but they kept wanting me to repeat my number and give them personal information ; name, DOB, etc. The number I keep receiving calls from is XXXX. When I answer the calls, I can hear lots of people in the background and it sounds like a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I tried to contact XXXX  to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed bankrupt and Experian is showing my XX/XX/XXXX payment with my mortgage company as being late along with several others of my creditors. Not only are these company not to report anything negative about me, they haven't. Plus I was never late on any of them. In fact, it was because of Experian 's reporting, I had to file for bankruptcy, I wasn't able to refinance. I disputed with Experian against XXXX having me owing them over {$1700.00} no change, then finally I filed a complaint with CFPB and then it was removed. They reported that I have late payments with XXXX and XXXX the two knowingly crooked companies. I didn't realize that paying by XXXX XXXX that they considered that free money and reported that I hadn't paid. Any kind of way Experian can show me in a bad light they did, whether it was true or not. I guess it has been 7 years with XXXX, because they are not showing negative. But in XXXX will be 7 years with XXXX, because they are still reporting that I made late payments from XXXX to XXXX  120 days late, " really ''. Even though the account was paid in full in XXXX and paid on time, they still report late payments at the fore front of their report. I paid all of my accounts up until I filed, because I had no other recourse. Even if I had been late, it is against the law for them to report negatively and they know this. But Experian is bold enough to report fraudulently on their behalf.
Product: Credit reporting

I obtained my credit reports from all XXXX agencies. I started to dispute information that was incorrect. I even uploaded bank statements and letters from the court house showing these items were paid or released. When I disputed the information, Experian in particular, would respond to me in less than XXXX hours stating " the information has been verified and please contact the company '' I find it hard to believe this company investigated with a company when the dispute was issued at XXXX at night and then I heard back from them at XXXX in the morning, via email. When I tried to resend them information showing it was paid with receipts, their system refused to let me up load or resubmit and investigation. I called them and placed on hold, and hung up on 3 times. Experian even reissued negative information on my credit report when I showed them the information had been paid. Experian is the company that is refusing to work with me, will not file disputes correctly, and when they do have to correct information they present it in a way that leaves a creditor wondering if it is paid, example the balance will say zero, but they will report it as a collection and open and for the balance they will put N/A versus paid/closed collection. I do not know what else to do, I have supporting documentation that these accounts are paid, I have had some credit issues, but I have paid them, it is only right by law they correct the information and not in a way that damages me further. Because of the way that Experian reported information, my credit score dropped by XXXX points even though it was paid, it was strictly because of HOW they reported the information. With the creditor XXXX, I have shown bank statement and screen shots that these bills are paid and they keep them on my credit. They also have XXXX different social securities numbers on my report and every time I call a number then I am transferred 4 times. Please help, I do not want to hire a lawyer because that is more money out of my pocket,. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX XXXX ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to Charles Schwab, and have yet to see it be reflected in my account. To date I have funded the  account with {$500.00} that appears as deducted from my origin bank account but does not appear in my Charles Schwab account.
Product: Credit card

My wife opened an Amex Platinum card account in XXXX, and I immediately became an authorized user on the account ( at the time of account creation ). We have been married since XXXX of XXXX, and I have been serving active duty in the XXXX XXXX since XXXX ; I reviewed Amex 's plolicy regarding MLA benefits, and they stated that they would wave the annual fee for all account holders who qualify for MLA benefits, but we have been charged every fee ( for both me and my wife ) since we opened the account. We have tried going through the customer assistance line 3 or 4 times at this point, and keep getting the same answer - after receiving your confirmed MLA benefits ( which we verified through the MLA website ), they will see about refunding the annual fees they have charged and removing future charges from our account, and that they will get back to us in 30-60 bueiness days. It has been 3 years we've been fighting this, and we still keep getting charged, and their customer service has been completely useless to say the very least. We were just charged the annual fee again, so we've paid 3 times total for both me and my wife ( we each have a separate annual fee for our Amex Platinum cards, and she has a separate Amex Marriot Bonvoy that promises the same thing, but hasn't delivered ). We're about to pursue legal action if Amex doesn not figure this out, but I was advised to send a request through this bureau first to see if a solution could be reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed for the second time, a collection account with TransUnion and XXXX   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by XXXX, but TransUnion reported it " Verified/Updated ''. On XX/XX/2018 I notified Trans Union of the inaccuracy found by XXXX  and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from TransUnion, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with XXXX. On the same dates as above, I disputed XXXX 's account with TransUnion and XXXX. Trans Union responded the account was unverified and deleted it. When I notified XXXX of TransUnion 's findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Please note that my information was used without my consent. 

An account under collection is reported as : XXXX XXXX Also inquiries which I did not authorized 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have applied for Teacher Loan Forgiveness. I work at a qualifying school and have been there for enough years. 

Every time I try to contact Aidvantage, they increase the amount of time it will take to process my XXXX application. At first, they told me 30 days. After the 30 days, they told me XXXX. After the 60 days, they told me it would actually be 90 days. The last time I actually called, they told me they would be processed within 120 days. It has now been 128 days and my application has still not been processed. Meanwhile, I am still paying these loans monthly which I qualify for forgiveness on.
Product: Checking or savings account

They tell you they closed my account but they state in the bottom of their response they refuse to close my XXXX account
Product: Credit card or prepaid card

I have a checking account with American Express Serve. I have a direct deposit from my job and a deposit from my school for my refund. I have been calling for 2 days. The first day they said by XXXX XXXX that day. When I called back they said by midnight. The next day nothing I called in the am and they said by XXXX XXXX. At XXXX XXXX I called and they said with 3 hrs. 5 hours later they tell me in another 4-5 hours. My car insurance has declined, my phone will be off. I cant buy my daughters lunch for school or my dog food. I have a lease I signed to move on Friday I have to pay that. I talked to 3 supervisors and 2 said the same thing wait, and the third suggested I borrow the money from someone. I work so I dont have to borrow money from anyone. All they keep saying its a system issue and they are working on it. The bad part is there is nothing I can do but hope this is all over soon. But I advise no one to bank with them.