23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My very elderly mother took out a HealthiPlan credit payment plan administered by Comenity Capital Bank on XX/XX/2019 to finance her XXXX  XXXX with the express understanding from the manufacturing company that I would be able to administer the account as her only immediate family and power of attorney. My mother is XXXX years old. When I attempted to contact Comenity on XX/XX/2019 to discuss the current balance due, they refused to discuss my mother 's account with me unless I sent them a copy of her Power of Attorney document designating me as such. As she is XXXX and XXXX  XXXX, and I live in another state, that was not practical. I explained this to them. The customer service representative and her supervisor were both very abusive, rude and unhelpful. When I called again on XX/XX/2019, they changed their story and now said if my elderly mother called them and gave verbal authority to make me an authorize speaker for her, they would discuss her now overdue amount and the late fee they had charged, which I wished to contest. Despite it being very exhausting and distressing for my mother to try to work her way through their automated system and make the very specific request that they demanded of her, she did exactly that. I called the company again today ( XX/XX/XXXX ) to try to discuss the bill and removal of late fees as they had made no effort to contact me directly in the last 5 months, yet they still refused to discuss the account with me and said I was not authorized to discuss late fees with them. Again the customer service representative was very rude and curt and unwilling to provide me with any advice or further help. I feel that they have been misrepresenting themselves throughout the entire process and giving me and my very elderly mother different hoops to jump through, at the end of which they still refused to discuss the one thing I told them I wanted to discuss back on XX/XX/XXXX. On every occasion that I contacted them, I said that I was happy and eager to get my mother 's account up-to-date as soon as they removed the late fees, which I feel were unfair given their refusal to work things out with me in a timely manner. Throughout these 4 months they have never once tried to contact me directly, but continue to make collection calls and send collection notices to my poor mother.
Product: Checking or savings account

I am a victim of identity theft and I have never opened any checking, savings, credit card or loan account with Goldman Sachs due to me being incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, FL XXXXthere should be no other names or addresses on my consumer file. My employer is XXXX XXXX, XXXX there should be no other employment information on my consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 Credit Plus XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX XXXX and XXXX that I would like removed from all of these bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate/unauthorized fraud items on report. 

XXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I started the loan process with a company. The first error was with loan interest rates and points. I was told one thing and then suddenly the amounts were different. I was told by the broker I would not be charged for an appraisal until that was the only thing left to finalize the loan and the loan was going to be approved. I was sent an email saying there was an issue in underwriting and suddenly everyone stopped communicating with me. Then, I got a call from a lender verifying more info. I called the broker and she acted like she had no idea what was going on and said she would check into things and get back to me. It has been over a week and I am still out {$550.00} for the appraisal and I have no idea about the status of my loan.
Product: Credit reporting or other personal consumer reports

ooked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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. 



I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 Reporting Act CREDIT XXXX XXXX account number 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 XXXX XXXX XXXX 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: Debt collection

This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for XXXX XXXX. This collection agency continues to try to collect and has put negative information on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a transfer request in the amount of {$4300.00} with the company TransferWise, now rebranded as Wise.

There was no communication of any need for verification at the time this company accepted the wire transfer. Thus, the funds were taking from my bank account prior to me having any knowledge of the extra time it would take for it to be delivered.

Once funds were received the company communicated that the transfer would undergo verification. According to them this would take 4 days and the money would be delivered on the XXXX of XXXX. 

Today is the XXXX, marking 15 days since the transfer was requested and the money taking from my account. It has been 11 days since the scheduled delivery date. 

I have called the company 5 times. Each time I was told that they would verify my account and call me back. I have not received any calls from the company. I have also sent emails and messages to their XXXX page. They refuse to give me a straight answer as to a realistic timeline. They refuse to refund me the money. They refuse to deliver the money to the person I sent it to. They refuse to explain what exactly this verification means. 

This company has fraudulently kept my money, not paying interest for having borrowed it, and continues to refuse to deliver on the services I have paid for. 

Had the company communicated clearly the time it would time for the transfer to undergo verification, I would have had to opportunity to make decisions that would minimize the harm caused by it. 
Instead, their lack of communication and transparency has cause extreme difficulty to myself and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, futher research, this account was transferred/sold and I an no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does noot validate the debt and anybody can send a bill. and say its mines. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

experian did not properly investigate my disputes and fails to remove errors o my reports. these accounts need to be remove off of my credit report. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX i also dispute all of the inquirys
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit report and I see unauthorized accounts on my report. Listed below are the dates and accounts of these unverified-authorized accounts. 

XXXX XXXX : Transunion XXXX, XXXX XXXX, XXXX XXXX. 

XXXX : XXXX XXXX, Transunion XXXX, XXXX XXXX. 

I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved with no response, therefore this debt should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND TRANSUNION HAS ACCOUNT ON MY CREDIT THATS NOT MINE. 

PLEASE DELETE ASAP.

Accounts:

Account name XXXX --Account number--XXXX XXXX XXXX XXXXAccount numbe--XXXX
Account name XXXX XXXX XXXX XXXX XXXXAccount numberXXXX  Account name XXXXAccount number-XXXX
Account name XXXX XXXXAccount number-XXXX  Account name XXXX XXXX XXXX-Account number--XXXX
Account name XXXX XXXX.-Account number-XXXX
Account name XXXXAccount number--XXXX  Account name XXXX XXXX XXXX XXXX-Account number-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union refuses to remove invalid personal information such as current and prior addresses. Ive attempted to dispute the invalid info and provide proof but still trans union refuses disregarding federal law. Remove the incorrect info or my next steps will be to involve a attorney
Product: Consumer Loan

Company received payment in amount of {$3000.00} from warranty cancellation. This was applied to payments. Loan was rolled to being due for XX/XX/2017. The payment was then reversed and applied to principal. When the payment was reversed, my loan was put into a delinquent status for 2 months. A customer service member told me as a courtesy to me, they would take 2 payments out of the {$3000.00} payment that was applied to principal to my loan to bring me current. They never did so. When I called back to speak to a manager, he informed me I was given wrong information, even though he admitted they told me that, and that there was nothing they could do. My loan is now 2 payments delinquent and they have been reporting not only negatively on my credit, but my co-borrower. This is very unfair lending and false promises with unrealistic expectations. They told me they were going to do something so they should honor their word. This is not harming the company at all as they still would be receiving the same amount of money in either situation. This situation is putting undue hardship on myself as well as causing long term impacts to my credit and my co-borrowers credit for something we did not cause.
Product: Mortgage

I had an fha mortgage with Nationstar/Mr Cooper. I decided to refinance with XXXX XXXX Bank. My refinance closed on XXXX XXXX, XXXX. The final payoff was made to Mr Cooper on XXXX XXXX, XXXX in the amount of {$260000.00} per the final ( amended ) payoff statement. The final payoff included 2 months of interest and pmi insurance per fha loans. At that time I had an escrow balance of {$5500.00}. That amount should have been returned to me with interest. On XXXX XXXX, XXXX I received a check from Mr Cooper for {$4900.00} with no explanation as to where the rest of my money is. I have tried to call numerous times and emailed with no response from the company.
Product: Mortgage

I am trying to refinance my mortgage and noticed that mb financial incorrectly had that my XX/XX/XXXX payment was 30 days late.. I called up to mbfinancial to inquire and their customer service personnel advised me that I was not 30 days late.. they requested that I send report showing 30 days late to them via email, which I did. They advised me that it could take 30 days to investigate at which time they would let me know something in the mail. I waited the 30 days and received letter stating that the XX/XX/XXXX payment was not late and would be removed from my credit report. I than checked my credit again and now they have that my XX/XX/XXXX payment was 30 days late.. which it was not also. I called customer service again and inquired why it was showing that my mb financial payment was 30 days late for XX/XX/XXXX they advised that it was not 30 days late for XX/XX/XXXX. They again requested that I send them a copy of my report showing that XXXX payment was 30 days late, which I did again. They said again that it will take 30 days to investigate after which time they will mail me a letter in the mail with the results of their investigation. It was still XX/XX/XXXX when I called them and they advised that there was no way that it could be 30 days late. This bank is continuously showing me 30 days late in error and having me email them my report and waiting an additional 30 days to get results. 
I have to continuously wait during this time before I can refinance my loan.