23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved from XXXX, VA to XXXX, VA. I cancelled my XXXX cable service on the date before I moved in late XXXX of 2021 because they do not offer services in XXXX. I delivered their equipment to them in person in XXXX. 

While I was waiting for a final bill from XXXX, I continued to make monthly payments with every intention of paying off the balance. 

XXXX apparently referred my bill to Berlin-Wheeler who very quickly reported my account as delinquent to XXXX. I learned of that today. 

I have disputed this delinquency with XXXX  and expect they will correct it as not being delinquent since I have been making monthly payments toward the total. 

I have also made a payment through my bank 's " bill pay '' feature for the remainder. 

I want to report both XXXX and Berlin-Wheeler for their actions. While I am fairly knowledgable about my protections under the law, I fear that many consumers will be hurt by these tactics. Neither XXXX or Berlin-Wheeler made any effort that I'm aware of to reach me. 

I do not have any record of Berlin-Wheeler attempting to work with me on this and, based on my initial research, they appear to be a predatory debt collection company. 

I want to give some credit to the XXXX XXXX app I use on my XXXX for alerting me to this inaccurate information on my credit report. 

Thank you for your help with this.
Product: Checking or savings account

On XXXX XXXX within the hour of XXXX I went to Pnc Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to deposit {$2400.00} I used the inside ATM since the bank was closed an it was a Sunday I used my ATM card to enter the bank I tried depositing {$2400.00} in the Atm but the Atm gave me {$480.00} back of my money an the monitor displayed my other {$1900.00} to be deposited instead of hitting continue I hit cancel the slot where the money come from open the money didn't come out further enough for me to grab I bent down to see what was the problem the money was pinned down on a piece of metal the slot timed out an closed I can hear the machine shuffling so I tried to make another transaction to see if my money would come out that way it didn't I couldn't even make another deposit because the deposit button was faded out I left the inside of the bank an went to the Atm on the outside an deposited the {$480.00} that was accepted as I was going home I called the bank to make a complaint about the ATM incident XXXX XXXX I went to the same bank the address mention above to talk to someone in person as I walked in I noticed the Atm was out of order so I figured they was having problems with the ATM I was able to talk to a banker which she rewrote my complaint an assured me I will get my money a couple days later the back gave me a provisional Loan of the sum {$1900.00} a month later in XXXX they saying the Loan was being reversed due to no error I contacted the number on the letter they all saying the same thing that it was no error I just want to know HOW THE ATM TOOK {$1900.00} AN IT WAS NO OVERAGE IMPOSSIBLE
Product: Debt collection

I have contacted this company multiple times over the mail. 
My representative have several phone conversation with two supervisors. 
Both admitted that they do not have a debt assignment agreement and they do not have a full original contract .They assured my representative that they will request such documents and provide me with a copy within 30 days .It is been more than 30 days and I have not received anything from this company. 
Trying to collect the debt without legal authorization is a FDCPA violation and reporting unvalidated debt is a FCRA violation.
Product: Debt collection

I tried to contact Orion Management Group, LLC On XX/XX/2021 to request pay for delete for my closed XXXX XXXX with XXXX XXXX  XXXX XXXX account where I had a balance of {$300.00}. I dialed XXXX and spoke with XXXX XXXX, who became very rude and obnoxious. Requesting my full social security number when I know this is not necessary to confirm my account. The rep deliberately hung up on me 3 times. This company has several complaints with the XXXX XXXX XXXX as being difficult to work with when trying to resolve their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complaint via the CFPB portal to Experian. This is regarding complaint ID # XXXX. Experian closed the account without addressing the specifics of my issue and complaints. The company continues to respond with what seems to be automated or pre-made responses. 

In the complaint with ID # XXXX, Experian states " The data furnisher responded and verified that the disputed information was accurate as reported. ''
Product: Money transfer, virtual currency, or money service

Today XX/XX/2024 I noticed Monterey Financial Services transferred {$89.00} from our joint checking account. I did not authorize or consent to this transfer and neither did my husband. According to XXXX Monterey Financial Services took over an account I have in XXXX. I only recently learned of them because they showed up on my credit report and I filed a dispute which came back valid. I have never contacted them and they have not contacted me. I have reported this issue to my bank. They have started the dispute process and provided me with a claim number. I also contacted the Attorney General 's office. I will next be filing a complaint with the XXXX XXXX XXXX. I am appalled that debt collection agencies can find personal banking information and other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 and any 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

In accordance with the fair credit act account # XXXX XXXXXXXX XXXX has violated my rights. The late payment reporting date XX/XX/2021 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also inquiries XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting or other personal consumer reports

P

ursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists The XXXX XXXX bankruptcy needs to be deleted from my credit
reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint being filed for Capital one for the two accounts listed on my credit report. 

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

Capital one sent a second letter stating no statements or current balance could be provided. The account is closed/charged off. 

Attached is the original letter for validation. Capital ones 1st/2nd response for the two accounts in question. 

This 2 account are to be deleted immediately!!!
Product: Debt collection

On XX/XX/XXXX, I was looking over my credit report. I noticed a company on it named Lamont Hanley and Associates. It was showing original creditor XXXX XXXX XXXX amount {$180.00}. They reported on XX/XX/XXXX again XX/XX/XXXX. I never heard of this company Lamont Hanley and Associates. I never received a call from them about a debt. I did n't even know they ( Lamont Hanley and Associates ) was on my report this long. So on XXXX/XXXX/XXXX I called the company. I spoke with a guy name XXXX. I told him I was calling cause they was on my credit report. He got my information and looked up the account. I told him I never had insurance with XXXX XXXX XXXX. In XX/XX/XXXX I was with XXXX XXXX through XXXX XXXX XXXX of XXXX XXXX. He informed me that They were the same company. I asked If, I completed paying my month billing why was they filing on my credit report? He said I owed a cancellation Fee for a policy on a XXXX Chevrolet Trailblazer. I told him my Ins. was month to month and with XXXX. I was not aware of a cancelation fee from them. He appear to become angry by raising his voice. He stated loudly, you signed a lease. The cancellation fee is in the declaration page. I then asked, can he could validate that I owe this debt? Send me a copy of the declaration page and bill. He again stated loudly " man this debt is five ( 5 ) years old. We will be calling, no, we wo n't be doing any dam thing. I then asked him if they could remove their name off my credit report. He again stated loudly, you have to do a dam dispute with the credit bureau. He then stated in a loud tone it 's not coming off then either. He then hung up the phone on me. This guy was so very rude. They are on my credit report and refusing to verify why, this company l do n't know. How they got my info I do n't know, if they bought it or they collect for XXXX XXXX. Nobody should have to pay for switching companies. XXXX XXXX never called me that I owe a debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I opened up an account with Binance US Exchange in order to purchase cryptocurrency. They have a $ XXXX daily deposit limit so I began the deposit process and started purchasing crypto daily and all seemed fine. On XX/XX/XXXX I suddenly found my deposits getting " Failed! '' and for what reason I do not know because I had more than sufficient funds in my attached ACH to cover the deposits. I did everything possible to find out why such as filling out support tickets but all I got back were emails with a standard generic response saying to add another ACH account but it absolutely did not work and it was attempted a number of times. They have no phone number for customer support so the options were few and it doesn't appear they even read the support tickets because the same automated response is given each and every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute against XXXX due to the incorrect information that is being reported by XXXX and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and Equifax and I have received dispute results stating that XXXX  verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX/2016.
Product: Mortgage

I was approved for a mortgage on XX/XX/XXXX and it was a XX/XX/XXXX loan with an adjustable rate. I was approved for a mortgage for a home that based on my very low salary I should have never been approved for. My rate adjusted and I could no longer pay the mortgage and now 15 years later they are trying to put a lien on the property. The loan was for 20 % this is a predatory lender that seeked out low income customers.
Product: Debt collection

On XX/XX/XXXX I disputed a collection account with experian. On XX/XX/XXXXthey updated my reported stating XXXX XXXX XXXX   has verified the information and it will remain on my report. OnXX/XX/XXXX I sent a request for validation to XXXX   requesting they validate that the debt owed was indeed mine. On XX/XX/XXXX I received a letter in the mail from XXXX. This letter was not signed by anyone. I have no clue who sent this to me. It was not proper validation of the debt. It is a poor account statement. After reviewing the statement sent and then reviewing my Experian report it came to my that the statement they sent and experian have different information. The original name amount and account numbers are different. I called Experian to have this account removed from my account and they said they can not do that. The already verified the account and stated though they do not receive documentation from the creditors that the creditor did validate the debt. I asked how was it validated if clearly the information reported is inaccurate. Experian stated that I can redispute without guaranties it will be removed but they will not remove the account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX KB Homes ran my credit without my consent and caused damage to my credit score. I spoke with the lender who ran my credit without my consent and he said that " I'm Sorry '', he just did what the other lender told him to do. He felt bad about my situation but he never resolved the situation. He said dont worry is only a few points, I'm very disappointed and I want to make sure my credit is the same as before their ran my credit and most important alert others about what they are doing.
Product: Checking or savings account

In the first week of XXXX of this year, I was contacted by Bank of America regarding a check that was cashed that I had written. They said it was suspicious and asked if I had written a check to XXXX XXXX for {$1700.00}. I said I knew of no one by that name, but that was the amount that my small business pays in rent each month. I had mailed the check myself, placing it in a business envelope into a USPS mail box addressed to my landlord. I have done this every month for over 2.5 years. 

The BoA employee acknowledged that I was disputing the check and that they would handle it. I considered things settled and figured I would hear from them eventually. They advised that I should also report this to my bank. I asked if there was anything else I needed to do in order to resolve the issue and they said that other than informing my bank of the problem, no. 

A few days later I went to my bank, XXXX to let them know about this and that I wanted to dispute the check as well. They let me know it would be investigated in a timely fashion but that they could take up to 120 days to get back to me. It's been over 120 days and until I started making phone calls and demanding action, no one had contacted me. 

Bank of America has done nothing in this time, while I have been defrauded of {$1700.00}. I was assured this would be handled over the phone, which was clearly a lie. Nothing has been done. 

XXXX has opened a case, contacted Bank of America and escalated the issue once three weeks ago after I had complained to them multiple times about how long this was taking. I do not feel they have done very much to protect me or the finances of my small business. 

Cashing an altered check is a loss born by the depositing bank, in this case Bank of America. ( https : XXXX ) I feel like I am being treated as though I have no rights in this case. My money was stolen and I am being punished. This has been punishing to the health of my small business. It has stunted our growth and caused a lot of stress. 

A reasonable response to this would have been to issue a provisional credit to my bank so that my bank could do such to me in return. 

A complete lack of timetable for such things and willfully ignoring attempts at contact is a disgrace and does little to instill confidence in the consumer. 

By contacting me directly, Bank of America admitted that the check was suspicious. Upon viewing the check, it was obvious to me that someone had used white out to remove what I had written in the " Pay to the Order of '' line. Additionally, the handwriting does not match my own. There is no investigation to be done here, it is as clear as day what has happened. 

I have attached the scan of the check in question.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was told by Marcus that they like to go rogue and randomly invent and fabricate fictitious account details of an account that never existed for authorized users - and theyre allowed to invent their own facts and rules. 

I had removed an authorized user on my account on XX/XX/year>. 

Namely, if an authorized user is on my account- their credit report should report the account details of my actual account. I was told - no - Marcus doesnt feel like abiding by these established rules. They just go rogue and invent randomly fictitious account details on the authorized users credit report - including- for XXXX XXXX  - a false and fictitious account opening date and a false and fictitious account closing date ( even though the account is not closed ) Marcus thinks theyre allowed to go rogue and invent randomly fictitious credit reports for people that are not accurate because they feel the customer service department are allowed to unilaterally make up and invent their own laws and rules
Product: Mortgage

Our mortgage was transferred to Loan Care when we closed on our home. Loan Care did not accurately project the property tax in our escrow analysis and when taxes were due we did not have enough in the escrow to cover it. Without contacting us, Loan Care advanced the additional amount to pay the taxes and added the shortage into our monthly payment as well as increasing our monthly escrow payment. Our mortgage payment had nearly doubled. The amount of taxes paid turned out to be incorrect. The XXXX had mislabeled our property so we reached out to them and they recalculated our taxes at our request. We received a refund for the overpayment and contacted Loan Care so we could apply the refund to our escrow shortage and adjust our escrow/monthly payment according to the recalculated tax amount. We have applied the refund to our escrow shortage but to date the corrected tax amount for our property has not been updated by Loan Care nor has our escrow/monthly payment been adjusted. We are still paying their increased escrow payment for property taxes that are more than {$1100.00} in excess of the actual tax amount. We have contacted Loan Care for resolution several times over the last few months. None of the customer service representatives at Loan Care have been able to help us, no managers or supervisors are ever available to take our calls and even though we have emailed the requested documentation to their tax department and followed up on that email, we still have not received any communication from anyone who will help us resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove a closed account from my Experian credit profile as the statue of limitations has exceeded the 7 year mark on XX/XX/21. In addition I attempted to dispute another card account however Experian has not provided info and the dispute time has exceeded 30 days,