23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Working with Conrad Companies http : //www.conradco.com/ on a {$75.00} medical collection I found on my credit report. They did not have an accurate address as letters were sent to a previous address. Only letters were sent, I have not received any phone calls. The account manager I spoke to was   XXXX   on  XXXX / XXXX /17 @  XXXX  PST. She claims that once paid, the claim will drop off my credit report as if it was never submitted to the bureau. However, she will not provide any documentation confirming this. I 'm hesitant to pay the collection until it can be confirmed. I 'm also questioning the validity of the collection to begin with as the doctor 's office who originated the debt had not reached out to me. I also believe my insurance at the time should have paid the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Santander Bank on XX/XX/XXXX and spoke with agent about the late payment history on my mortgage account. 

I was in forbearance in XX/XX/XXXX to XX/XX/XXXX due to Covid and being furloughed. 

I paid all past payments that were in forbearance in XXXX of XXXX when i returned to work. 

I was told by Santander the forbearance allowed my payments to be late due to being furloughed due to covid and would not reflect and ruin my credit report its being reported to XXXX XXXX that my account shows late payment. XXXX XXXX stated on XX/XX/XXXX that the information is correct. 

My account should not reflect late payments. 

Can you please help in getting this corrected?
Product: Debt collection

have reach out to this company asking them to valid this debt and they never did but yet they are still trying to collect on it. And this company is in violation of codes 15 use 1692b ( 2 ) 15 use 1692f 15 use 1692b ( 5 ) 15 use 1611 all which is subject to a XXXX per fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   2017 ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all   XXXX   credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
Product: Credit card or prepaid card

Banco Popular promoted the XXXX credit card. Make one charge and receive XXXX points after one charge. On XX/XX/2019, I opened the card and promptly made one charge after activating it on XX/XX/XXXX. I did not receive the promised points. On XX/XX/XXXX I spoke to XXXX who advised me the points take 6-8 weeks to post. On XX/XX/XXXX I called again and XXXX advised me to contact the bank if the points do not post by XX/XX/XXXX. The points did not post. I do not have time to call the bank repeatedly for their continuous failure to post points.
Product: Debt collection

Upon checking my credit report on XXXX, XXXX, XXXX, I did not sign any documents with XXXX XXXX payment {$140.00} which is showing on my credit profile as a collection. Which is a violation under 15 U.S.C FTC guidelines 1692g ( b ). 
Dispute debt collection allegations. I asked XXXX XXXX to verify this collection debt with a contract from XXXX XXXX  providing proof of signature that I owe this company. I ask XXXX to delete this from my profile upon the outcome of investigation & XXXX is saying as of XX/XX/year> the account came back verified but not specified, and the company is calling and texting harassing me. This is damaging my credit profile and hindering me from obtaining credit. Also I take care of my sick mother and it is stressful recieving text messages from a collection agency that I have no contract with. 

I never had an contract with this company.
Product: Checking or savings account

On numerous occasions I received a fee of {$29.00} XXXX  for insufficient funds in my account while automatic bills were being taken out. This was over the course of a couple years with XXXX deposits along with XXXX  XXXX XXXX  and a steady paycheck from my employer.
Product: Credit reporting or other personal consumer reports

I started looking to purchase a vehicle back in XX/XX/2024, while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX XXXX, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
XXXX weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Identity Theft & Credit Reporting Errors To Whom It May Concern, I am writing to formally file a complaint regarding fraudulent activity on my credit report and Experians failure to properly investigate and remove inaccurate information. I recently discovered that my ex-fiance, XXXX XXXX, used my personal credit information to order products that were delivered to XXXX XXXX XXXX, XXXX, Virginia XXXX address that does not belong to me. It was her home and she has since moved, leaving me as a victim of fraud. 

In addition to this fraudulent activity, my credit report contains incorrect names and addresses that I have never used, including : Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX disputing these inaccuracies with Experian, they have failed to properly investigate or remove these fraudulent entries, causing significant damage to my financial reputation. I am writing as a victim in connection with the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, filed on XX/XX/year>. This lawsuit alleges that Experian has : Failed to properly investigate consumer disputes Failed to provide consumers with adequate notice of dispute outcomes Failed to delete inaccurate information from credit files Failed to prevent the reinsertion of previously deleted information Failed to convey consumers ' disputes fully and accurately to furnishers Routinely accepted the responses of data furnishers without proper scrutiny
Product: Debt collection

This company refuses to send me proof of the debt. They continue to send me fraud packets and letters saying they are examining the debt. I have sent multiple certified letters demanding proof of the debt because I believe this company is fraudulent. I have ven filed a police report and sent them a certified copy of it. They continue to ignore me and damage my credit with XXXX. I am literally being denied my XXXX XXXX student loan so I am forced to pause my COVID-19 research project. I am about to move into my vehicle and couch surf as a XXXX XXXX.
Product: Checking or savings account

Fraud activity on my account Fraudster deposited and withdrew money from my account through bad checks and there is no reversal on charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX Mortgage, which was recommended by our realtor. Shelter initially said they could give us a XXXX XXXX at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have XXXX mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the Bank XXXX XXXX Georgia. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my Equifax credit report. I called Equifax and disputed this report again, but it would take XXXX days to be corrected. In the rush to finish our mortgage before we lost the house XXXX our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are multiple errors reporting from the company ONE MAIN financial. One being that the account has been charged off in XX/XX/XXXX with two different balances one balance of {$4000.00} reported to XXXX & XXXX & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX reports XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX & XXXX  where the last payment with XXXX is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS : Enclosed please find the evidence detailing Equifax 's violations of federal laws, encompassing the FCRA and GLBA. These violations involve unauthorized reporting, absence of verification, non-compliance with opt-out provisions, lack of wet ink signatures, and failure to conduct proper investigation procedures. These actions infringe on my rights and have resulted in significant harm.
Product: Credit reporting or other personal consumer reports

The incident begins in XXXX where I had an accident with a vehicle which was still under lease. I had no insurance on the vehicle so they put me on their mandatory insurance within their company to a third-party insurance company. I was behind in payment. They had told me that I just needed to be current on my insurance and they would file the claim to the insurance. Then three days later they called me stating that I needed to pay the recruiting balance, but it didnt stop any other form of payment, so there was really no sense of actually getting caught up and it was a perpetual decline. I then won a settlement and paid the loan off completely. Ive contacted the company numerous times multiple times theyve said that I still owe the money then I contact the law firm that represented them and they assure me with indefinite fact, even stated in their letter that All deferred judgment has been released and that they have been paid. I have numerous times disputed the accuracy and the logistics through Trans Union with no prevail Trans Union dispute response states that the information is accurate and no change has been made. Thank you sincerely XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XXXX I contacted the company in regards to XXXX bankruptcy that on my credit report and asked about the method of verification also for proof of verification I was never sent this information on letters stating that they verified it but dont state how nor was any proof given I was told that it was verified through XXXX XXXX also that they purchased my info from them they also advised me that they received this through third party public information This alone is violations under FCRA 623 ( a ) ( 5 ) state if the if the credit bureau cant Validate the information with the original creditor they must remove the information from my credit report also be aware no court in America validates nor report to any agency or bureau YOU HAVE 15 days from receiving this to validate this or else remove it
Product: Checking or savings account

Credit Karma has frozen my account for over two weeks now, which has caused me to miss credit card payments and has significantly lowered my credit score. I have submitted to them all needed documentations. I have reached out to them over 20 times over the last two weeks. They state that the department that handles account locks and freezes doesn't have a direct line or phone number to reach them.
Product: Debt collection

My wife passed away in XX/XX/2021. XXXX has been using AAA collections based in XXXX XXXX South Dakota. XXXX XXXX XXXX ZIP Code, XXXX telephone number XXXX to try and collect her medical debt. Now they are trying to tie my medical debt which I have none because the XXXX  pays for all my medical and they know this was her debt. I have told them 10 times in the past 2 years that my wife was posthumously awarded Social Security XXXXXXXX, and they were to submit all claims to XXXX that they were not my debt and not my responsibility and I also told them 10 times over the past two years, not to contact me regarding this debt again. They do not listen each time they send me this. It reminds me of my wife, who passed away, which caused me to have XXXX XXXX XXXX  and XXXX XXXX XXXX and I keep reliving to XXXX each time these idiots send me correspondence when I have legally told them not to, I wan na see this company levied with as many fines as legally possible. They need to have their doors permanently shut and their right to operate a business in the state of South Dakota revoked. They have caused me so much emotional stress that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am tired of being bullied by these XXXX so Im asking you to put a stop to them.
Product: Credit card or prepaid card

on XX/XX/2018 i made a minimum payment to my XXXX   XXXX XXXX credit card for my XXXX payment of XXXX. on XX/XX/XXXX i made another payment to the same account for XXXX payment of XXXX. on XX/XX/XXXX i went to make a payment and they stated i was passed due for XXXX. they took both previous payments that where made and applied them as one payment for XXXX even though they were made 24 days apart. They then stated i never made a XXXX payment and hit me with late fees and possibly reported this to my credit. i made multiple calls and the customer service department continued to hang up on me and put me to collections department. This department told me if i did not make a payment then i was not able to speak with customer service at all. i then made yet another payment to try to get some resolution with customer service who continued to disconnect the phone call.agents i spoke with XXXX # XXXX XXXX # XXXX and 3 more who just hung the phone up.
Product: Mortgage

This is my second complaint regarding Mr. Cooper. Mr. Cooper charged me PMI since the beginning of the loan in error. My home had over the required amount of equity when the home was transferred from Seterus. After the first complaint ; Mr. Cooper ONLY reimbursed the amount based on my request in writing. However, I had CALL SEVERAL times prior to sending the email in XXXX of 2020. 

I am requesting the Mr. Cooper reimburse me for EVERY XXXX  they took from me. They should NEVER have charged PMI. They should also pay me interest for taking my money and forcing me to have to beg them, write letters, and submit complaints to get my own money back. 

If they do not REIMBURSE every dime - I will seek an attorney to assist me. IN addition, each time I contact them regarding my concerns - they try to SELL me something. It is very insulting and unprofessional!
Product: Debt collection

Midland credit management They been calling me 4 times a day starting at 8 a.m. through out the day 4 times. They are collections from cable company. That failed to I form Mr that bill was increased and just sent a bill for {$250.00}. When I was paying for an entire year {$110.00}. I contacted them tried negotiating it. Lady was not helpful. I changed immediately cable company. Ask for reduction since I was unemployed and sick. No answer.
Product: Debt collection

GLA Collections re-added a deleted entry back onto my XXXX and XXXX credit reports despite being removed prior. They violated the Fair Credit Reporting Act 611 USC 1681I Section 5B in relation to requirements relating to reinsertion of previously deleted material. GLA never notified me of reinsertion, nor did XXXX or XXXX ever alert me in writing or any other method.
Product: Prepaid card

My New York State Department of Labor ( UI ) debit card card issued by Key Bank was somehow duplicated and used at ATM 's and at least one bank in XXXX of XXXX. 

I tried to use my unemployment debit card towards the end of XXXX of XXXX and could not access my benefit funds, I called Key Bank and they asked me if I tried to access money in XXXX, NY and the had a list of addresses such as XXXX XXXX XXXX in XXXX ( a XXXX location ), that someone was using a duplicate card to access my funds. I say duplicate, because I have never lost the card. The card was always in my possession ( I still have it! ) and I haven't been in XXXX in years. So, I never accessed an ATM or made any purchases in XXXX with the card. 

I was blocked from using my card and have since been issued a new debit card and given my money out of that account. 

The issue is that KeyBank and their fraud unit have told me they can't give me the transaction history for the XXXX usage of my account because their records only go back to XXXX. 

I need the transactions for XXXX so that I can go to law enforcement for the attempts to defraud myself and any financial institutions affected by this. 

Someone has access to the transaction history at KeyBank and I need those records for my pursuit of justice in this manor.
Product: Mortgage

I had someone fraudulently try to access my online banking account that is required for 53.com ( Fifth Third Bank ) to process my mortgage payments. I called them to report the fraud and they told me to call back tomorrow. Additionally, it is impossible to get a human through their online banking or phone routing system. I essentially used * multiple times to get to the credit card department to see if they couldn't route me to someone or help me. 

I am writing this complaint after continual " non-customer service '' and they are not taking any steps to address a fraudulant access to my account. 

I am stuck with them after they purchased my mortgage so I did not choose this bank by choice. 

What can be done to make them more responsive fraudulant activity? 

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

I spoke to a rep at GM Financial that was supposed to clear this up. I have been a customer for years, there was a banking error that I was unaware of. I have never been late on any of my leases and something happened with the payment not going through. It has since been paid and to my knowledge was not even late. Please review this as i have not been able to get back on the line with anyone at GM Financial to fight this again.