23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection agency, which is no stranger to paying millions in settlements to the FTC for their debt collection practices, is continuing to call me, using a caller ID spoof so it does not show their true phone number. 

I have demand they cease and they refuse ( which is not surprising ). I am filing a federal lawsuit under the FDCPA and TCPA on the next call.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account number 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 a account without my written instructions.
Product: Consumer Loan

This loan has been paid and is only due for XXXX however XXXX and XXXX reports a $ XXXX balance due and it should report a XXXX balance like XXXX . In addition to that XXXX reports the loan " Charged Off '' for XXXX and XXXX. All Credit Bureau reporting across all three credit bureaus are inaccurate. This loan has been taken care of with GAP and a XXXX payoff leaving me with a balance owed of XXXX, which will be taken care of on XXXX/XXXX/2015, all XXXX should report the updates!
Product: Debt collection

Law 15 USC 1692C ( C ) states, " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from Transunion, XXXX or XXXX   in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.
Product: Debt collection

Keep getting daily phone calls and voicemails from XXXX indicating to call back that I 'm involved in a very important matter for over a week.. So finally called back. Lady indicates their customer has contacted them wanting to be paid back for a payday loan. Would not tell me who she was or the customer. Also indcated that when applying for payday loans ( which I 've done and paid off well over a year ago ) that there us a XXXX company involved that also gets paid but is either not disclosed or in very fine print. She said she would email me documentation but has yet to do so although has called again. 
I googled the number and see many complaints of same voice mails and apparently part of a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am submitting this CFPB complaint to you today to request the correction of the following disputed accounts and information from my Credit report. I have read that the XXXX XXXX XXXX are required to provide copies of proof of documents or verification bearing my signature. 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$9600.00} Date opened XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4300.00} Date opened XX/XX/2018 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Auto Account # 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 a account without my written instructions 15 U.S.C 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
Product: Credit reporting or other personal consumer reports

This issue was previously filed and resolved in XX/XX/year> ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account 's invalidation, successful dispute and removal, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in XXXX that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The listing on the XXXX report ( see attached reporting on all three bureaus from XXXX credit report ) makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times ( See attached documentation referenced on issue numbers from XXXX for documentation of violation of FCRA ). The previously invalidated account showing as a new collections account and has significantly reduced my credit score and impacted my ability to sign a new apartment lease.
Product: Credit reporting or other personal consumer reports

Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Bankruptcy Reference # XXXX has violated my rights. 
15 U.SC. 1681 section 602 A. States I have the right to privacy.

15 U.sC. 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card or prepaid card

XXXX   XXXX    does not allow for automatic online payments so I had a payment amount set through my bank that was well above the minimum payment due. This has been going on since    XXXX   XXXX     . Much to my surprise I received a letter from   XXXX   XXXX    advising me that I had not been making my minimum payment and was now in arrears {$390.00}. I was shocked. I received no information from the bank. I have since been contacting them to correct this matter without any success. I have been told I am too "  XXXX  '' to use their website. I have been belittled because my "  XXXX  '' culture makes it impossible for "   XXXX   '' to understand me so she started yelling at me and hung up on me. I am trying to find a way to set up my payments so they are paid automatically and I dont end up getting assessed unreasonable fees. I believe this practice is intentional. They now claim they can increase my payment to 5 % because I failed to make the minimum payments despite that I was making the same payments every month but they never contacted me to advise me I was not meeting the minimum payments. Again 5th Third Bank does not offer online auto pay like every other bank does. I have been given incorrect information and continue to be assessed horrific fees because they will not tell me how to remedy the solution. I also think it would be respectable to advise  XXXX  that we are not welcome in your bank - its just the right thing to do. They offer no bill pay, will not promise to send you statements electronically or otherwise _  XXXX  says its all in the fine print.
Product: Credit card or prepaid card

Hello- I have been a Chase Sapphire card user for over 7 years. Almost always pay my card off every month and never late. About two weeks ago my wife was at the store and told me her card was being declined. I immediately logged on to Chase to check on the card and seen that it was stating the account was closed and I never closed the account. I immediately called customer service because I was concerned about fraud and could not get resolution. I was transferred 2x then hung up on. I tried twice more the same day and had the same scenario play out. 

I tried two days later to call and still was not able to get an answer and felt it was discriminatory in nature. The only answer I could get was it was " bank policy '' for the cancellation. 

I still have yet to get resolution on this and it has been extremely frustrating especially having been a good customer over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, Transunion. I have one Hard Inquiry was made by Company on XX/XX/2017.XXXX XXXX  : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called XXXX XXXX XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX, XXXX, Transunion.
Product: Credit reporting or other personal consumer reports

Fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$730.00} My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a XXXX period for debt validation, I am requesting that you provide me with the following documentation within XXXX days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

15 U.S.C. 1681s-2 \nThis section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i \nThis section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Also, If these accounts are old, it is illegal in itself to create a new date to start the XXXX years over that XXXX has which states a debt come off credit after XXXX years in XXXX Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

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

Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX ( account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.
Product: Credit reporting or other personal consumer reports

wednesday XX/XX/XXXX i spoke with XXXX XXXX XXXX XXXX about how did they obtain my name, account social, person ifon about me with out ever doing business with them. under federal law.The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the FCRA including this requirement, which is known as Section 609 ( e ). Here is some additional information to help your business comply with this provision of the law : Q. Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief
Product: Mortgage

I was asked to have wet signatures provided and on the contract and XXXX XXXX removed. I had all parties resign all pages and remove XXXX and initial the removal, then I was told that wasn't good enough and to remove mention of his name completely, I did that and then was told to remove mention of his name all together, I did and then was told to have all parties initial next to the changes, even though that was already done the first lien. The document correction request have been all over the place and although the details appear to be specific they have not been making sense and I have requested specific explanations many occasions to make sure this was right to not get the information needed. Had I received specific understanding of what was needed I would have been able to get it done on the first shot rather have to go back and forth to the parties asking for more and more corrections ensuing stress on everyone. IT took 94 days for Bank of America to even get the short sale open in the first place because they kept asking for other ambiguous documents instead of streamlining the short sale review as they should have in the first place to avoid loan mod review since the property is not owner occupied. I want to see this file move forward and willing to do the corrections I just need to know exactly what is needed so I can get this done and the file moving forward. I would also like a reasonable amount of time to get this done considering all of the nonsense Ive endured the past two weeks causing delays.
Product: Mortgage

Last year, my loan was transferred to Rushmore Loan Management for servicing. At that time, my loan was already seriously past due. On XX/XX/2019, I submitted my first request for modification. After consideration, my request was denied based on their determination that my > {$5000.00} monthly income was insufficient to support a mortgage and other existing debt. My failure to provide a deposit towards the arrears was also sighted as a reason for denial. 

Now, I am on a pre-foreclosure list and everyone in my family is receiving unsolicited mail, text messages, and phone calls about filing bankruptcy and/or fire sales. Besides the fact that this is my home of 15 years and I want to live the rest of my days here, moving is really not a reasonable option for me because I am a single parent, struggling to support XXXX XXXX  child in XXXX and XXXX child with XXXX and XXXX XXXX who is living with me and attending XXXX XXXX in the only town he has ever known. In addition, I myself am XXXX and XXXX  XXXX and just underwent major XXXX which left me unable to XXXX  independently. 

I did explore the possibility of refinancing with another lender but I have been advised that it is not an option for me due to my current arrears and the existence of a second mortgage lien against the property. 

With filing bankruptcy being my only other option to keep my home, I did re-apply for a modification again on XX/XX/2019. It is my understanding that mortgage companies are supposed to work with families to develop a modification plan to help them keep their homes and that hasn't been my experience thus far. Since I do not know what the outcome will be of my most recent application and I am so close to foreclosure, I feel the need to better understand the company 's modification process and why, if it so happens that I am denied again, I would not be given the opportunity to at least make trial payments prior to sending me into foreclosure, especially where I do, in fact, have a stable income sufficient to pay a reasonable mortgage.
Product: Credit card or prepaid card

I received a virtual prepaid mastercard from XXXX with which I have been making online purchases on XXXX and XXXX online stores. 

I also linked the card with my XXXX account which is more convenient for me to make purchases at ease. 

I recently noticed that my card had been declined being added to my XXXX account and when I tried to find out the reason, I was told that I should contact the issuing bank for details of the decline. 

I have gone on the telexfree website as directed and I could not get a solution to the problem. The phone number on the virtual mastercard does not provide any solution the the problem. 
Telexfree does not have any means of interacting with them when you have problem with the prepaid card. 

XXXX XXXX which is supposed to be the issuing bank had refused to attend to my problem and keep referring me back to Telexfree.myprepaidcenter.com which does not have any solution to my problem. 

All these make me feel it is an intentional act by XXXX to frustrate and discourage us from using what is left in the virtual card. 

Please assist me with your office as I do not have any other place to go to. 

Thanks. 

I will be expecting your response soon.
Product: Student loan

I have several late payments from Navient on my credit report and I do not know why. I was in school from fall XXXX to spring XXXX. In XX/XX/XXXX my XXXX passed away, and because he was a cosigner I was told the student loans would be forgiven. Years and years passed and I never heard from them again. Not a phone call, not a letter in the mail, literally nothing. Then one day I looked at my credit file and I had several late payments from them. This was in XXXX, years and years after attending school. Any attempts to follow up with the company and get it fixed have not worked. When I call they say someone from the company must have given me wrong information and they couldn't  help. I disputed the payments with the credit bureaus, and nothing. I am now paying my student loan payments monthly and have never been late, I don't mind paying. But the late payments on my credit file is ruining my credit and I need it removed.
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. 
The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. 
Specifically, I dispute this account : XXXX XXXX XXXX ....
Product: Debt collection

Well I heard from somebody a company that would give me a loan. It all sounded ok, and I even gave my information at the begining. But, they told me I did n't qualify and then they said I did -- so when they said that I retracted because that sounded fishy to me and I just figured it went away because I never received the loan from them. They then turned around and used my information to get into my bank account and get money from me monthly that they never gave to me.
Product: Debt collection

I received the credit collections call, they said I have unpaid bill, based on their information, I checked the violation number and license number, they are both NOT mine! The NAME is NOT mine, the LICENSE PLATE is NOT mine, the ADDRESS is NOT mine, the VEHICLE is NOT mine! 
Then I called XXXX about they gave the collection the wrong persons information and they confirmed they have withdraw that. 
HOWEVER, the CREDIT COLLECTION SERVICE continued giving me calls, asking me to pay debt, and my credit score did not go up at all! Each time I called them, they said they already withdraw it, but nothing reflect on my credit score, and they keep calling me for debt! This hurt my reputation!
Product: Mortgage

we purchased a loan on XX/XX/2013 we were told by the loan officer from chase that are mip mortgage insurance premiums we tried to pay upfront before we signed the contract and they tell us would be off after 5 years and that our mortgage would be {$300.00} dollars less and the loan officer told us that don't worry that everything would be handled you will see the mortgage insurance disappear., but know we were bought out by another lender XXXX we ask the customer service rep about why the mortgage insurance premium didn't disappear, they looked at the original loan agreement and told us it was 30 years for the mortgage insurance, my wife and I are truly upset because we were taking advantage of cause we feel like we were lied to from the loan representative from chase.