23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been paying on a credit card debt for over a year and to my knowledge the debt has been paid off but the company keeps taking money out of my account. I have been unsuccessful to contact anyone at this company to discuss this matter. This seems like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is refusing to tell the truth. I started a complaint in year XXXX and Prestige Financial did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which Prestige was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. 

Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

I will hire a lawyer for which I do have credit reports that clearly shows that Prestige Financial did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy  rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )
Product: Bank account or service

Dear Sirs : I have been referred to you by XXXX XXXX, XXXX Oregon. 
I am writing on behalf of a Chase client, XXXX XXXX XXXX, now in fragile health. I was appointed by her to act as her Power of Attorney, and her testament was drafted by XXXX XXXX, Attorney at Law, recently signed by her and witnessed. I presented to JPMorgan Chase Bank , NA, Branch XXXX, XXXX XXXX and XXXX on XXXX XXXX, 2016, mid-morning. I was assisted by XXXX XXXX, a polite and professional gentleman. who entered the required information in the computer after receiving acceptance by the legal team. I was told to allow XXXX business days for processing. The following Thursday I again presented to Chase, and was told by XXXX XXXX that XXXX was on vacation, that the POA had not fully processed, but she was able to process XXXX CD account for me. I presented again this morning at XXXX XXXX., and met with XXXX who explained that the POA had indeed not fully processed, and that he would expedite the matter. 
I need to review documents contained in the safety deposit box. I have been waiting eleven days and continue to wait as I try to expedite several matters on behalf of XXXX XXXX. I am grateful she has accounts at another bank at which I was not detained for more than one hour while all data was processed at that time. 
I am now at thirteen days and waiting. I appreciate your kind assistance in this matter. 
XXXX XXXX, XXXX XXXX, OR XXXX
Product: Credit reporting or other personal consumer reports

I have been having multiple financial problems because of the information on my credit report is wrong the names and addresses are not mine and I want them removed from my report. 
My only name is XXXX XXXX XXXX. 
My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
My date of birth is : XX/XX/year> My social security number is : XXXX Any information other than information listed above should be removed from my credit report.
Product: Mortgage

I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. 
I need some help resolving this issue immediately.
Product: Checking or savings account

I received my unemployment benefits using Card Premium checking account, I was able to at first withdraw part of my money and used my card, after few weeks they ( Card.com ) place a hold on my account and I tried reaching out. They ( Card.com ) will not give me a reason why this is happening and I also request they return my money to the Maryland department of labour so I can go claim it there but they wont listen and its over 6 months they still holding {$1700.00} of my money I want my money released to me or returned to the sender please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I believe that the Balance Subject to Interest rate has been miscalculated on my account for my most recent statement with the closing date of XX/XX/XXXX. The previous balance on this statement is {$0.00}. The only transactions total {$5200.00} ( {$5000.00} for promotional check cash advance and {$200.00} for check fee ). The Balance Subject to  Interest rate is calculated on 31 days in the billing cycle and a 20.99 % APR. By my calculations, which are based on a careful and thorough reading and understanding of how BOA calculates daily average interest rates and daily compounded interest and that I have performed on multiple apparatus and in multiple ways, I get a Balance Subject to Interest Rate of approximately {$5200.00} for this 31 day statement. However, BOA has somehow calculated a Balance Subject to Interest Rate of {$5700.00} which is overstated by over {$400.00}. 
After wasting 45 minutes on the phone with an incredibly unknowledgeable and rude customer service representative on Thursday, XX/XX/XXXX beginning at XXXX EST and lasting until approximately XXXX EST., I was denied the opportunity to speak with a manger or supervisor of any sort and told that I would receive a letter with a breakdown from finance. No timing could be provided on when that letter might arrive. I was also told that generally I shouldnt worry about it and that he couldnt understand what exactly my concern was. 
I never received a letter and subsequently followed up in writing on XX/XX/XXXX. The response that I expected to my letter was that, per the Fair Credit and Reporting Act, Bank of America would either correct the error or explain to me exactly ( with a full daily breakdown which I requested ) how the Balance Subject to Interest Rate of {$5700.00} noted on this statement is correct. 
Instead of a detailed response and breakdown, I received a completely generic letter in return dated XX/XX/XXXX that not only did not address my inquiry in any specific detail but also stated that the charges on my statement are correct despite there being no support of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} 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: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 received a voicemail this morning from  XXXX   XXXX  a t Recovery Management Solutions.      I returned the call and  XXXX   XXXX  informed me that a civil action was going to happen soon for a debt of {$840.00} which was incurred in  XXXX  to   XXXX   XXXX  . I explained that the contract in question was fulfilled as of  XX/XX/XXXX . I further explained that the collection amount was for a contract renewal which I had not requested and for a service I never received. In  XXXX  I went through BBB mediation and the amount was subsequently removed from my credit report by  XXXX   XXXX .      XXXX   XXXX  informed me that  XXXX   XXXX  had no right to do this, that the company he represents now owns the debt, and that they could take action to make the charge appear on my credit report again. He informed me that I had until Tuesday to respond to an email he was sending and he would then decide whether or not to take civil action.     I sent the following email : " I do not acknowledge this debt.     The terms of the contract were fulfilled. The amount in question is for an " auto-renewal '' that occurred after the initial 36 month term of this contract. This auto-renewal occurred despite multiple requests to cancel any further services.     Through Better Business Bureau mediation for an amount owed, the company agreed this was an invalid charge. Complaint #  XXXX .     Given that this is not a valid debt and that the statute of limitations is in force, I would ask not to be contacted about this again.      XXXX   XXXX  ''
Product: Debt collection

I have already filed a dispute with Consumer Adjustment through XXXX XXXX. My dispute is that I don't have knowledge of this account nor have a contract with this company. They state that because the address is the same, it's my account. 
I will restate, I have never had an account with Consumer Adjustment. I would like to see a signed and dated contract since they say I do owe them money.
Product: Mortgage

I have an FHA loan. I am eligible for an FHA streamline refinance according to the rules set forth by FHA. Recently I applied with my current servicer for a streamline and was told they have recently implemented a minimum FICO for EXISTING CUSTOMERS. 

I understand that a servicer may not want to take on OUTSIDE customers below a certain FICO as it represents additional risk to their servicing portfolio. 

However, to apply an arbitrary FICO on a program that is not an FHA requirement on loans that you already service is of no benefit and has an adverse impact on their customers. 

Rather than improve their risk by LOWERING a customer 's rate, they are penalizing people in FHA loans that may be working hard to repair issues in their past. After my divorce, getting back into a home was a milestone for me. I do not need my mortgage servicer penalizing me for a loan THEY agreed to service in the first place. 

It feels as if they think I am trapped with them and can make more money by keeping me in a high rate loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few hard inquiries on my credit report that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate and unverified late payments listed by XXXX XXXX XXXX. 
I challenge the accuracy, compliance and reportability of this listing because during the time the company was reporting these late payments I was never notified of the late payments being reported. I never even received statements. 
1. 120 DAY LATE PAYMENT IN XX/XX/XXXX 2. 120 DAY LATE PAYMENT IN XX/XX/XXXX 3. 120 DAY LATE PAYMENT IN XX/XX/XXXX 4. 120 DAY LATE PAYMENT IN XX/XX/XXXX 5. 120 DAY LATE PAYMENT IN XX/XX/XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Product: Debt collection

I was billed for a broken rental agreement in the amount of XXXX that had been passed to a debt collector in XXXX. They stated I owed XXXX XXXX XXXX the amount above. I was unaware of the transaction and contacted XXXX XXXX XXXX who said they had my information on file for a rental property from XXXX. I informed them i never spoke with them and did not agree to a lease, i was told to contact the debt collector. I then tried to settle the debt paying off XXXX on a payment plan in XXXX and in the mean time informed them of the problem but gave up. I now currently am trying to move and because of the issue i can not rent from any properties. I have recently filed a dispute with transunion, The debt collector, who has suggested i should create a fraud case and provide information to the ftc.gov website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 Cadillac I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Product: Debt collection

Account # XXXX XXXX XXXX I have made several attempts to reach out to Experian to have this account DELETED from my credit profile. XXXX XXXX has violated my HIPPA rights and ive made Experian aware, but they continue to ignore and not resolved this issue. This is an old out of date debt from 2016 that is lingering as zombie debt on my consumer report. I need this removed. Ive NEVER authorized the sale of my personal information. I have signed a release document for the hospital to release my information to my primary care doctors, and other treating physicians, not to a random 3rd party company to try and extort me for money. Company never sent me a 1099-C for my personal tax purposes. 

Also, I live in GEORGIA and XXXX XXXX is not registered to do business in my state.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Im submitting all requested ftc, police report, documents to support my claim for the fraudulent/inaccurate accounts below. I demand them to be blocked and removed from all 3 credit reporting agencies immediately.. 
transunion : 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 {$0.00}