23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following collector is claiming that I owe them WAYPOINT RESOURCE GROU ( {$650.00} ) but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

{$11000.00} Simple merged/sold to BBVA on XX/XX/XXXX. Accounts were to be transferred " seamlessly ''. 
Background : With Simple, I utilized the easy app-based toggle-on-and-off " block '' feature on my debit card, unblocking it to use it and then immediately putting the block back on. Once BBVA took over the account, I was not able to use my debit card, which is the only way to access my money. I called BBVA on approximately XX/XX/XXXX. After waiting 1 hour and 15 minutes to have my call answered, and after much continued holding, I was told that because the debit card block was in place during the merge, that the card can not be validated until I [ go back in time to XXXX and ] fax a letter requesting the card to be activated, and include my ID front and back, account number, address, phone number, and the request. On Saturday, XX/XX/XXXX I faxed said request to the provided number and received confirmation that the fax was successfully sent. The same day, I got an email from a BBVA employee in a different part of the company letting me know that the number I faxed to was correct, but there is an error in the system that is sending the faxes to him ; he had notified IT and forwarded all incoming faxes to their BBVA IT department. No change to my account access, so on Tuesday XX/XX/XXXX, I again faxed the request along with a copy of his email. A reply from the same guy!!! Nothing he can do, forwarding to IT, keep trying. 
In the meantime, all of my automatic-pay bills are going unpaid and I have had to borrow cash to pay for gas and food! 
After additional drama navigating BBVAs broken website for transferring funds, involving having to guess at partially obscured fields on the screen and calling my new credit union for assistance with the account number field ( my credit union account has 14 digits but BBVA only allows 13 digits ), I find that it costs me {$15.00} to do an immediate wire transfer with a daily limit of {$5000.00} and a monthly limit of {$7500.00}!! So to get my {$11000.00} I have to PAY {$45.00} and wait more than 30 days. 
I am disgusted with their way of doing business, which seems intentionally set up to hang on as long as possible to my money without providing me information, solutions, or a way out.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
I submitted my documents on XX/XX/2021.
Product: Payday loan, title loan, or personal loan

I have received this year two letters of credit denial from Marcus at Goldman Sachs Bank USA located at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXXXXXX, the first onXX/XX/2019, thenXX/XX/2019  both times, they have pull my credit, with out my authorization, never have i ever applied or inquire either written or verbal for any credit lines or an account with them, the first time I send a letter to the instruction and their CEO with a copy of the denial letter, neither one bother to respond. This organization is committing fraud big time, the federal government needs to investigate them..twice they have pull my credit and NEVER did i do an aplication, as well i call their 800 number they said they were going to investigate and call me back none ever contacted me..this comapny is doing FRAUD
Product: Mortgage

Citizens Financial Group , Inc This company purchased Franklin Mortgage and is a complete disaster to work with. 
The first time I called, around XX/XX/2020, there did not have a call back feature, and the line literally rang for 2 hours. There is no email or chat support. 

I had to register recurring payments via mail ( USPS ) and then they didn't take out my mortgage payment, and have a recording to tell me I'm late on my payment. When I answer, I have no way to talk to someone, the recording says " we will get someone on the phone '' and it never did. I the asked me to call the same phone number that NO ONE EVER ANSWERS. 

They should not be allowed to service personal mortgages and make tons of money off of us without proper customer service ( US jobs ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}.
Product: Mortgage

Regarding removal of PMI via a broker price opinion / Appraisal On XX/XX/2022 I was informed by my lender, Freedom Mortgage XXXX ( license number ) that I " don't qualify for a broker price opinion and PMI removal '', even though the home protection act guarantees that I can request PMI removal at any time during the loan ( which is 15 months old ). Current homes ( comps ) in my area are marketed at much higher asking prices which would put my LTV at under 78 %. I am being told that I don't meet seasoning requirements, which, suggest that I am not a " fit borrower '' however, on their own website when I login, I'm offered XXXX XXXXXXXX HELOC " based on my home 's value '' which in and of itself, would allow me to remove PMI. 

That said, I disagree with seasoning requirements which are arbitrary, and are not in step with HPA guidelines. 

REALISTICALLY, comparable homes in my area average XXXX, and my loan is at XXXX. Which would put me at an LTV of XXXX XXXX. They are refusing a broker price opinion ( that I'm willing to pay for ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : COLUMBIA DEBT RECOVERY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : COLUMBIA DEBT RECOVERY XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : COLUMBIA DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXXunder the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and XXXX XXXX XXXX XXXX XX/XX/XXXX. Columbia Debt Recovery XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

hello many times I have late payments on my student loans credit report, thru navient account # XXXX had follow all rules to best of my ability. and still not having the results that they explained to me. please fix all problems thank you
Product: Consumer Loan

I initiated a Car Lease with XXXX in XXXX Fl. It had a 30 month lease. my payments were due on the XXXX and the last day of every month. My payments were {$210.00}. On XXXX XXXX, 2016 they only took XXXX 's of the payment that was due. So I called in to lease service to find out what happened. At the time they indicated that it was a computer glitch and I could pay the rest over the phone. My lease was up in t XXXX, so I decided to just pay it off early. I asked the rep to calculate a total balance that would bring my account to zero. took him 20+ minutes, but he finally came back with a balance of {$360.00} and some change. I paid it. On XXXX XXXX, I received a text indicating that my payment was due. I called into Customer service again. After waiting XXXX minutes they indicated that it was an error and I could disregard. That I had no more payments due and they would send me my title in XXXX6 weeks. XXXX XXXX, XXXX I received another text along with a loud ringing in my car stating that I was begind in my payment and that I needed to pay immediately, or they were going to come and ge the car. I called in again on XXXX XXXX, and now they are saying I owe them almost {$200.00}. They are stating that they never received my payment from XXXX XXXX. I asked them for an email address and fax number so I could send them proof of that payment. I spent all day sending it multiple times multiple ways and they are still claiming tht they never received anything from me. They have never indicated in the past 1 1/2 months that I was missing a payment. XXXXBridgecrest are trying to extort additional moneis from me without cause. I have proof valid confirmation that Bridcrest debited my account on XXXX for the XXXX payment.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of XXXX XXXX XXXX under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt XXXX.
Product: Debt collection

XXXX XXXX XXXX is attempting to falsely collect an inflated amount from a Lowes Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the Lowes account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by XXXX XXXX  XXXX and Double-Jeapordy as well. 

Also, a lawyer from XXXX  attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!
Product: Checking or savings account

I received a settlement refund from a business loss. The check was subsequently deposited. Within 2 days my account was on hold and under investigation for fraud. I advised what the check was for, however, USAA decided to have the account closed without providing further details within 60 days. The agent was aggressive, condescending, and flat out rude after I stated what the funds were for. The account is still showing open with funds on hold. I inquired whether I would receive a cashiers check and the representative stated the funds are scheduled to be returned. She also stated any credits would be mailed to me. Over the years I have continually had issues with USAA profiling my account because of large check or cash deposits. My husband who is a mixed race man and also banks with them, never has this issue.
Product: Credit card

I took out a credit card from Bank of America for me and my son to use as authorized individuals. The limit to be borrowed on the credit card was set by Bank of America at {$11000.00} and I agreed to that limit. Subsequently, my son, who is emotionally challenged and became XXXX, made thousands of dollars of purchases in excess of the agreed-upon limit, up to over {$19000.00}. These purchases occurred in XXXX and XXXXXXXX XXXX XXXX I was never notified that he had exceeded the {$11000.00} limit, and was unaware of the extent of the excess until the XXXX statement arrived. The purchases and dates are so many that it is not practical to list them individually here. Rather, I have attached the relevant bank statements, which detail the purchases, the amounts, and the dates of the purchases. I am also attaching the letter my husband sent to Bank of America outlining the facts in this case, as well as the relevant portion of the Credit Card Agreement, the terms of which were set by Bank of America and agreed to by me, as evidenced by my use of the card after reading the Agreement.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act XXXX Account Santander Consumer USA, # XXXX, has violated my rights. 

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 an account without my written instructions. 

Total amount also was increasing as loan was being paid off.
Product: Money transfer, virtual currency, or money service

I was tricked into sending money through XXXX which left me with a several XXXX dollar loss and my bank can not help recover the funds. Someone looking to sublet my apartment through XXXX XXXX contacted me and asked for details and photos about my listing. After asking me to reserve the room for them they sent me {$3900.00} for rent via digital check which I deposited after they urged me to do so. The sublet fell through, they then asked me to send the funds via XXXX to someone else they claimed to be a moving agent and a new renter. I was not aware that the funds made available in my account were just expedited and that the check had not been cleared. Since the money was in my account, I thought it was safe to send their money back without risk to myself. On XX/XX/XXXX when a portion of the check was available, I sent {$500.00} to XXXX and the following day when the whole check was available, I sent {$2000.00} to XXXX over XXXX and the remaining {$1300.00} over XXXX to XXXX. So now I am back to my original balance in my bank account and I think I am in the clear. The next day I find the original check was charged back and I was left with a loss of the original amount. I contact Chase bank about filing a claim but they say they can only help me file for the XXXX transaction and to contact customer service at XXXX. XXXX has no protection against fraud. I call Chase bank again and report the XXXX transactions but am told that there is no guarantee of recovering the money. Neither of the companies claim they are capable of helping me recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two student loan accounts called XXXX XXXX XXXX XXXX  that were opened back in XX/XX/2013. It shows I was late once on each one and never been late on those payments. I sent a certified letter twice to Transunion XXXX and XXXX.   They sent a letter saying the creditor disagrees but never sent proof. I sent a certified letter to the address on my credit report for XXXX XXXX XXXX XXXX  and I found out the location is permanently closed. Finding this out I sent a letter and copy of paper showing the place is closed and if the credit beuaru validated this, who did they contact to verify this one late payment was accurate? This information has been reporting false on my credit for some time and my complaint is that these credit beuaru are not truly validating and supporting sufficient evidence the claim to be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) 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 after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates. 

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW XXXX ACCOUT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have uploaded all of the proper documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX account with the credit bureau XXXX I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

I was the victim of fraud and they allowed a person to order a new phone to an address that was not mine, while i currently had internet provided to my ACTUAL address on the same account. I have lived there since XXXXXXXX XXXX XXXX and had all my bills there since, as well as internet service from them. 

XXXXXXXX XXXX passed this onto collection agencies preventing me from buying a house, despite me telling them this was fraud. 

Collectors : MRS BPO LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Checking or savings account

I reconciled my checking account XXXX XXXX, XXXX and found {$520.00} missing from my checking account for XXXX and {$0.00} missing from my XXXX reconciliation. I opened my account XXXX XXXX. I explained to Capital One employee 's XXXX XXXX, XXXX at a branch and spoke to their customer service on the phone. And explained to them that they need to find and put the missing funds immediately into my personal checking account. They have refused to do so. 

They refused to provide me with an email address, fax number or mailing address to send them my reconciliation findings when I spoke with them over the telephone. I explained to them they are committing embezzlement, strong arm robbery of my funds. I went online and found the fax number off their website and faxed the attached documents to them XXXX XXXX, XXXX.