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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I called XXXX XXXX XXXX credit card customer services regarding 2 fraudulent charges to my card made at the store Home Depot on XX/XX/XXXX ; one for {$520.00} in XXXX XXXX XXXX, FL at XXXX XXXX and another charge for {$99.00} in XXXX XXXX, FL at XXXX XXXX. The customer services department informed me that I will get the money back to my account in 48 hours, send me replacement card and report the case for investigation. 
On XX/XX/XXXX the credit was adjusted to my account and I received new credit card replacement. 
On XX/XX/XXXX I check my credit card balances on line and these 2 charges were back to my credit card. I called to the fraud investigation in very disrespectful way attitude the supervisor told me that I have to pay because my card was used and that card can not be cloned. 

I drove to the store and requested the receipts and immediate saw wrong card expiration date, and these purchasers were done when I was working. I have proof of that and early express that I was in possession of the credit card ( the card was not stolen or lost ) and is not joint card holder or authorized user. 

Today, XX/XX/XXXX I received a letter from XXXX XXXX XXXX, states that I will be responsible for these charges and if the minimum payment is not made will be reporter to XXXX, XXXX and XXXX XXXX. I have proof and support that I was working by the time of the charges and I have possession of the credit card. Also I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX with all the supports.
Product: Credit reporting or other personal consumer reports

This debt collection company placed a account on my XXXX  account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to experian without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my experian it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra
Product: Mortgage

XX/XX/2017 To Whom It May Concern - I 'm writing to file a complaint regarding a recent ( beginning XX/XX/2017 ) experience with Bank of America regarding the processing and decisions made for a $ XXXX home equity loan on a property that had/has no mortgage or other liens against it. The end result is that after a fifty-five ( 55 ) day process of drip information requests by the second loan originator by phone ( the first loan originator was at a local BoA bank branch ( 1 hour of time collecting basic loan information ), my application was forwarded to underwriter loan processor, who informed me that she would n't approve my application. 
My complaint is based on the following : 1. The time taken just to ask questions and gather loan processor requested information - 55 days 2. The lack of clear and complete information requirements communicated in documentation provided to me via post mail, in multiple loan processor discussions during the loan origination process by the loan processor 3. The continued extension of time to gather a continued number of additional documents and requested information 4. The lack of clear communication along the process regarding my eligibility, or potential lack thereof 5. The communication received once the loan origination process was passed to loan underwriting 6. Updating my homeowner 's insurance policy was mandatory prior to underwriting review, which also added to the loan origination process time ; then, once underwriting declined, removal of this requirement from my homeowner 's policy 7. The first call from loan underwriter was to let me know that she had n't received my paperwork, and would I be willing to resubmit my paperwork ( after 55 days of submitting loan reference documentation to loan processing representative ) 8. After 55 days of loan processing requests and in my second conversation with mortgage loan underwriter, I was informed that the information I submitted along the process had n't been verified until the 55th day of the loan process. 
9. I had to set-up a checking account with BoA, which was completed prior to underwriter review in order to receive a loan rate discount. 

This loan process was a complete waste of my time and efforts in good faith to work with the BoA in information gathering and decision determination. The Bank should have known within 5 days of most of the information overall requested and provided whether I was qualified for this loan, and should have been able to verify any questions it had to determine my eligibility for the loan requested. 

I would like a complete review of this incident and process that was performed in order to show that the Bank was misleading in its communication and had no intention of offering me a loan at an earlier point in the loan process, but did not communicate it until nearly the end of the prolonged process and quoted time to process ( 60 days ). 

I can provide documentation as evidence that supports my complaint.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I was XXXX with XXXX  for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For 2 years they have denied me a good faith deletion of the late payment on my account that has been open for over 3 years, it is THE ONLY late payment in the history of the entire account.
Product: Mortgage

1 I have been paying my mortgage to Gregory Finance Company for 3 years and now I need to refinance my mortgage. They have not sent my payment history to the credit bureau. 
2 I was verbally told by them I need to pay {$1800.00} to bring my account current which was due to some disputed charges. I was to get back {$5900.00} in escrow and to date they have refused to pay me back my escrow overage. I could not get any written communication from them
Product: Debt collection

Checked my XXXX score recently and it went from XXXX to XXXX. I have had a high XXXX 's rating for over XXXX years. 
I looked up the reason and found that Radius Global Solutions had filed a unpaid debt. I do not know who this company is, they have not contacted me at all, and don't know what debt I have. 
I looked up the company and found they are a debt collection agency. They have a very poor rating and don't think they are legitimate
Product: Credit reporting or other personal consumer reports

They wife and I did not consent to any hard credit pulls from Mr. Cooper and its affiliates. There we re two hard inquiries on XXXX of XXXX  that we didn't give permission for.
Product: Debt collection

Eltham Law Pc ( XXXX XXXX ) filed judgement against me on a debt with XXXX third party debt that I did not sign a note with them. She attempted to garnish my bank account which is not allowed in Texas. My bank called me and took care of it. At the time I did not know the law sof I got an attorney name XXXX XXXX XXXX he advised me to negotiate and I did paying {$100.00} a month for 3 years on time. Then on XX/XX/XXXX - XX/XX/XXXX they did not cash my checks. No call no letter no nothing. I tried to call no answer. I sent letters no reply. They breached the contract that was entered XX/XX/XXXX. I want my money back and judgement removed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being 120 days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions

on my credit score and overall financial well-being. The issue stems from XXXXXXXX XXXX failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship. 

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXXXXXX XXXX negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities.

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXXXXXX XXXX  inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXXXXXX XXXX failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.
Product: Credit card or prepaid card

I purchased a {$200.00} XXXX XXXX gift card at a XXXX XXXX grocery store on XX/XX/2023 at XXXX XXXX located on XXXX XXXX and XXXX XXXX in XXXX, Ohio. I used my KeyBank credit card to make the purchase. When I attempted to use the gift card to purchase materials on XX/XX/2023, the Card # and Pin # on the back of the XXXX was damaged and the Card # and Pin # were illegible and the gift card was deemed not permissible by the XXXX XXXX employee who scratched off the section on the back of the card to view and use the Card # and Pin #. I then asked the XXXX XXXX employee to research and obtain the XXXX # and Pin #, they indicated they were unable to do so. I then proceeded to a Customer Service representative and XXXX in another part of the XXXX XXXX location on XXXX XXXX in XXXX, Ohio. The customer service representative and XXXX also informed me that they were unable to assist and directed me back to the XXXX XXXX where I purchased the giftcard. I then returned to XXXX XXXX and inquired as to refunding the {$200.00} giftcard amount or replacing the cards. They were unable to assist and directed me to XXXX XXXX customer service line at XXXX. I was informed that they would research and it XXXX take up to XXXX business days and was provided a case # XXXX and they also suggested to work with XXXX XXXX. 

I then called my credit card company, Keybank, on XX/XX/2023 to file a credit card dispute for the {$200.00} to refund the charge. I was provided a KeyBank dispute number XXXX at this time. None of these actions have resulted in a refund to my account. Please advise as to further guidance and direction. I appreciate your assistance.
Product: Consumer Loan

The month of XXXX 2015, I contacted XXXX XXXX ( XXXX ) that I am going to XXXX for 10 days and told them the countries that I am staying. I did not want to have problem when I am using my card out of the states. 
While I was in XXXX there were times that I could not use my card because they did not accept the charges. 
XXXX XXXX of 2015 I returned and few days later I got a call from XXXX that they have seen some activities that are not normal on my account. 
They read some of the charges and I told them that they were not mine. They indicated that when I receive the bill to fill up their paper work and send it back to the Fraud Department of XXXX. 
Since, I have mailed the same items 3 times. Once regular mail and XXXX registered mail. I have been on the phone with Fraud Department at least 2 times a month. Each time I called it had taken at lease XXXX to XXXX hours on the phone which as far as I am concern was wasted time. 
The issue has not been solved and they want more paper work and they claim either they do not have it or it is lost or they are behind in their work. 
They have been charging me interest and late payment and at one point they told me I am in collection. 
I am tired to deal with the Fraud Department and the people who ca n't read and count. 
I need help to deal with them and my attorney suggested to contact you. 
Please Help! 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts in collections are reflecting items that were initiated from an XXXX data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have communicated with the debt collector by way of certified mail for the agency to certify the debt to which they has refused to respond. They refuse to prove that the debt is in fact mine. I have made the request numerous times.
Product: Credit reporting or other personal consumer reports

This company is reporting charged off accounts on my credit reports. A " Chargeoff '' is now considered taxable income for me and they should have sent me a 1099c for taxable income purposes, which i never recieved.

Therefore they can not come after me for the debt any longer, and they can no longer report it on my credit reports.

15USC 1692 g & 15USC 1681 ( e ) B I have asked for a 1099c from all 3 reporting agencies as well as the debt collectors and have yet to recieve them
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was XXXX in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.
Product: Debt collection

On XXXX the XXXX XXXX I sent a debt validation letter to the collection agency to get a debt validated that is correctly showing up on my XXXX and XXXX credit report. I disputed because I dont believe the debt is mine. On XXXX XXXX, XXXX I received a letter in the mail stating that they didnt have enough information to validate this debt is mine and they sent me a bill for a XXXX dollars with a stamp that says this is an attempt to collect debt which they did not verify but sending a bill I sent a copy of my driver license to prove who I am. By law I thought if they couldnt validate then it must be removed. I am very upset because this is ruining my credit worthiness.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Rentdebt Automated Col XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX Account Number XXXX Dear [ Rentdebt Automated Col ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am requesting that you validate this debt. I request proof that I am indeed obligated to pay this debt and that it is accurate and legally enforceable. 

Please provide the following information : 1. The name and address of the original creditor.

2.The amount of the debt, including any interest, fees, or other charges.

3.Proof that you are authorized to collect this debt on behalf of the creditor.

4.A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.

5.Verification that the statute of limitations for this debt has not expired
.

6.Copies of any paperwork that shows I agreed to pay what you claim I owe.

Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated.

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Other financial service

I used a company called FedLoanhelp.org to reduce my monthly payment on my student loans. They took monthly payments from me by automatic withdrawl for over a year. However, they amde it look like it was through the regular student loan program, XXXX. It appeared for the whole year that XXXX was getting paid and all was well. I was just contacted by XXXX that it is time to renew my repayment plan. When I investigated the information they have, it turns out, they were given fraudulent information about my family size, which reduced my payments to XXXX for the entire year on their end, and they have not received any money towards my student loans. In the meanwhile, the Fedloanhelp company has been collecting {$120.00} a month for the past year. It has not been applied to my student loans. I do n't know where it has gone. How do I get my money back, and how do I report this company?
Product: Vehicle loan or lease

My father is a Primary on our co-owned vehicle loan with Nissan. I have a power of attorney that Nissan financial is refusing to abide by. ( 1 is notarized and 1 signed by 2 witnesses ) Nissan says it doesnt go into affect until they receive it. They have had conversations with a third-party regarding our account and even went as far as to accepting a payoff from this third-party and issuing them title to our vehicle despite Nissan not having our permission or the power of attorneys permission to this day. 

They are refusing accountability refusing to help me and it is completely disgusting that someone that you signed an agreement with is violating my privacy rights and my consumer rights by speaking to a third-party that we didnt give them authorization to speak to please request all the recorded phone calls that both myself and my parents have made to Nissan since XXXX asking them to stop conversation with this third-party called XXXX XXXX XXXX who I have an open complaint against as well for also violating my power of attorney. 

A California durable power of attorney goes into place when it is signed. Its been signed twice once in XXXX and once again in XXXX. 

I have attached the fully executed purchase contract between Nissan, my father, and myself we are their consumers so again, why is the company that we entered into an agreement with as their consumers not communicating with us and illegally disclosing, private, confidential account information, without having any written authorization on file from the primary, my father or myself, saying yes, go ahead and speak to them I have also attached proof that my father has been making the payments, and I have attached proof of my power of attorney from XXXX all through XXXX my parents and I called into Nissan asking them on a recorded line to stop communications with XXXX XXXX XXXX 


On XX/XX/XXXX Nissan Call Ref # : XXXX Payment Rejection : Submitted last Friday. 
Spoke to : XXXX Customer Relations He said it would be done Then my account was re-opened. I made a payment. 

Once again in XX/XX/XXXX Nissan violated my power of attorney and all of the recorded phone calls between my parents and myself with Nissan to cease and desist conversations with the unauthorized third-party of XXXX XXXX, and they took another payment on XX/XX/XXXX, which resulted in my car being paid off, and the title being issued to them despite Nissan, not having any authorization from me, my father, or my mother the named agent in my POA. 

It is absolutely disgusting that Nissan is making excuses to keep the unauthorized payment and not protect their customers who they have a purchase contract with. I will not finance any more cars with them. This wouldve been my second car with them. This is disgusting. I will give my business to absolutely anybody else who appreciates and values and protected their consumers. 

On multiple recorded calls this week and last week I was told by all the Nissan phone representatives that my power of attorney isnt recognized by Nissan until they receive it thats not how the law works. It goes into effect when it is signed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX  have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX XXXX XXXX  on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX for XXXX a lie . XXXX Credit card  department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX XXXXXXXX ending XXXX damaging my credit file and score and harm me with about 30 loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXXXX/XX/XXXX XXXX  assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by XXXX as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this address was used by idenity thieves, using my XXXX credit card and then tring to open other accounts, it is still on my EQUIFAX report. Filled out a despute form and address is still on.It was taken off other sites. XXXX XXXX XXXX. XXXX FL.XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain information from my file. The items in question are listed in the report I have provided. I am a victim of XXXX XXXX and did not make the charges in question. I have reported the XXXX  to the Federal Trade Commission and have enclosed copies of the XXXX XXXX Affidavit. 

Please delete these items from my credit report as soon as possible. 

Thank you for your prompt attention to this matter.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX