23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed a contract with XXXX XXXX XXXX in XXXX of XXXX. Contract is attached. Nowhere in the contract have I provided my SSN. This business reported to the credit bureau as if I have a payment installment debt with them from the beginning. I was never notified of this action, neither in contract nor by mail, nor in person. We were promised in summer of XXXX the XXXX XXXX testing for my daughter will be completed by XX/XX/XXXX. In XXXX of XXXX those promises have been broken and the date changed to sometime in late Fall. In XXXX of XXXX we contacted the business asking them to release us due to change in dates and our commitments with other programs that we have made based on their initial promises. In XXXX after Covid19 breakout we were convinced we didnt want to have group classes and stopped attending them. We sent out a letter to the company stating the reasons of our decision to terminate the contract. Our main complain was us discovering they have fraudulently obtained my SSN and reported it to the credit bureaus as a loan. After this finding I didnt feel I wanted to have any business with them. Their mission promise on their front page is not what they practice in reality and far from truth. Online classes for a XXXX XXXX  preparedness is far from high standards and that is not how I want my child to be taught martial arts, but according to their unilateral contract we are still obligated to pay the gym fee even if the business is closed! We are still obligated to pay the remainder of the contract even if we have moved more than 25 miles away. We are still obligated to pay even if we have medical condition. They is no clause in that contract that will release us from this contract. They broke the law and they will not answer my emails, numerous phone calls. The collection company advices me that they will report me to all the credit bureaus if I dont pay the debt. I informed them I dispute this debt but no one is following the steps in the collection process. Attached please find the contract and my letter to the business to which I never received an answer.
Product: Checking or savings account

I deposited a an insurance settlement check, that was handed to me by my personal injury attorney. The accounting department at the law firm informed me that my financial institution could call and verify the funds in the check so that there would be a minimum hold time. 

I deposited the check on XX/XX/XXXX, and received an email the same day stating that my check deposit will be available in 2 business days. This was an ideal timeframe for me, as I am required to pay my house rent by the XXXX  of XXXX. 

I then received another email from navy federal, the following morning of XX/XX/XXXX, stating that my deposited check will be held for 5 days. Here is the content of their email : We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within 5 business days of your deposit. 

After receiving this email, I promptly called navy federal to discuss this change in their position, and to explain to them that the check that I received is from an insurance settlement, handed to me by a law firm that informed me that my financial institution could call and verify the funds. I was met with complete resistance, and told that navy federal does not have a department that verifies checks, and there was nothing further that they could do. 

I then proceeded to call numerous times to check the status of the my deposited check, and was told that my deposit would clear at XXXX of XX/XX/XXXX. I was told this on the phone by two different navy federal employees. With this information I was able to inform my landlord that my bank is releasing the funds and rent will be sent to him by XXXX of XXXX XXXX. I stayed up all night waiting for the funds to realize in my account, from my check deposit, but the funds never appeared. Causing further delay of my funds, and issuance of a notice to cancel my lease contract for non payment. 

I am a decorated XXXXXXXX XXXXt Veteran, who was injured in XXXX, fighting the XXXX. To be treated with such disregard to my livelihood, by a financial institution who markets, and prides themselves on their relationship with the military/veteran community. I am now at danger of becoming a homeless veteran because of navy federal gross negligence and complete disregard for their clients financial obligations. Why did I fight for our country, and get wounded, just to come back to America, and have a military affiliated financial institution hold my funds for a longer period than initially reported ; putting me in grave danger of becoming a homeless veteran?
Product: Mortgage

I had a first mortgage with New York Community Bank. They received a payoff for this loan on XXXX XXXX, 2016. We are supposed to receive a check for an overpayment and money from our Escrow account. We have not received a check. 
It has been 23 days since they received the payoff. I would like to know what is going on and why we have not received the check.
Product: Payday loan, title loan, or personal loan

received loan and being charged more than what was in the application and a ridiculous date of one week after loan. {$270.00} weekly instead of a {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint XXXX. XXXX XXXX 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

XXXX XXXX XXXX has erroneously reported my credit information to all three major credit bureaus. This inaccurate reporting stems from an error originating within XXXX XXXXXXXX XXXX itself. Despite consistently making payments as per my billing statements, XXXXXXXX XXXX XXXX continues to report erroneous account information, including an inaccurate balance. 

Furthermore, the personal information associated with the account is incorrect. My name on the account is XXXX XXXX XXXX which I have consistently communicated to XXXX XXXXXXXX XXXX from the outset. This incorrect name has caused significant issues, including a prolonged period where I did not receive my account statements. This is particularly problematic as three individuals in my household share the same initials. This issue has not been resolved despite repeated attempts to bring it to XXXX XXXX XXXX XXXXs attention. 

XXXXXXXX XXXX XXXX continues to send monthly statements to my address, indicating an outstanding balance. However, they simultaneously claim my account has been charged off. This creates a significant discrepancy. If the account is indeed charged off, who is receiving the payments I consistently make through their mobile app? Moreover, the balance reported to the credit bureaus is steadily declining. This apparent decrease in the reported balance directly contradicts the claim that the account has been charged off.

I have attached screenshots as evidence to support my claim. The screenshots include : 1. A photo of my last 3 payments made through the XXXX XXXX XXXX app. 
2. A screenshot of my current balance displayed on the XXXX XXXX XXXX app. 

This evidence clearly demonstrates a discrepancy between the information reported by XXXXXXXX XXXX XXXX  to the credit bureaus and the actual account activity as reflected on their own app. The attached screenshots serve as irrefutable proof of my consistent payment history and the accurate balance as of today.
Product: Credit card

Used Macy 's card only once XX/XX/XXXX. Received statement and paid full balance on XXXX/XXXX/XXXX. Card was not used again. No statements or correspondence received since XXXX. XX/XX/XXXX, began receiving multiple calls per day from a caller who would provide no specific information, but wanted the number of our Macy 's card. Decided that it might be a good idea to contact Macy 's. ( XX/XX/XXXX ). Was connected to XXXX individuals, the XXXX being a " specialist, '' who informed me that our " account '' was PAST DUE and the balance was over {$100.00} with late fees and interest. After close to an hour of mostly futile conversation, she noted that the ACCOUNT APPEARED TO HAVE BEEN PAID IN FULL IN XX/XX/XXXX, and she would be " happy '' to correct the record. We directed her to close the account IMMEDIATELY, and it appears that she has done that, although our credit report shows a {$4.00} balance remaining. Checked credit reports today and found that they have been virtually destroyed - a drop of over XXXX points - by " overdue '' payments to this account. Needless to say, we will undertake all avenues possible to correct the record, but to characterize this experience as a atrocity would not be an overstatement.
Product: Credit reporting or other personal consumer reports

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary.

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above.

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations.
Product: Mortgage

A person called me representing my mortgage company and gave me his name and said he modified my loan and gave me my new mortgage amount he told me to pay at XXXX because I would receive a receipt so I did but then I get a call from my mortgage company saying that had no record of any transaction and no knowledge of the person I spoke with. They didnt even want to know his name or how much I paid him..this happened twice I didnt pay the second time. Both times it came up on my phone as calls from XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, has violated my rights. 

Your company 's in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

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 Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Mortgage

The servicer continually claims that the complaint is similar to previous complaints and then proceeds to NOT send the documents requested in the QWR and RESPA request. I have submitted multiple QWR to the lender requesting items required to validate the debt and to validate the actual transfer of the servicing of the loan to them and also to validate the note holder. I also have requested specific information required to validate the accounting that goes ALL THE WAY TO THE ORIGINAL LENDER ( they claim they do not have the accounting of fees, interest, charges, payments that go beyond them and maybe XXXX XXXX XXXX ). Additionally, I requested that the transfer and assignment documents be certified as correct by an executive authority for the note holder or servicer. I have requested that they provide documents showing that they notified me of my opportunity to apply for the National Mortgage Settlement program due to acknowledgement of errors and actions thru the National Foreclosure Fraud program in which there was compensation sent forward to me. The servicer continually avoids sending the requested information in total and then responds as if they have satisfied the QWR and provided all the documents. In short, validation of the debt and facts are not able to be accomplished due to their refusal to provide adequate information. They fail to send information requested and repeated send copies of the original note and then the assignment and transfer document for XXXX XXXX XXXX. THEY HAVE REFUSED TO SEND THE NAME, ADDRESS OF THE INVESTOR OR NOTE HOLDER WHILE CLAIMING THAT the letter received from XXXX is not part of XXXX. XXXX is claiming that they are NOT the note holder and have no records of the property or of me in their complete system. At present, XXXX is showing that XXXX is the servicer of the loan and that XXXX is the note holder. SPS claims that the servicing was transferred to them but will not send anything other than their own letter claiming that the servicing has transferred. They claim that they are not shown as the servicer in the XXXX System because the loan was in foreclosure and it was transferred out of that system due to that. However, there was no foreclosure in place at the time of the aledged transfer of servicing and the audit of the XXXX system requested would verify that along with any removal of the file from their system. In short, the items required and requested repeatedly have not been provided as allowed thru the law. Request complete investigation into the loan and all actions by both XXXX XXXX XXXX and Select XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a text from " USPS '' or someone claiming to be USPS. They stated they had the package I was waiting for and needed my updated information to send it to me. I gave them my information, including my debit card information and address. I quickly received a text message ( attached below ) that was an activation code to enroll my debit card to my digital wallet. I also received an email from Chase ( attached below ) that stated I updated my card in my digital wallet, which I did not do. I quickly realized it was a scam and called Chase Bank right away, through which my debit card is through, and informed them of the fraud. They canceled my card and informed me that my new card would come in the mail within 7-10 business days. On XX/XX/year>, an unauthorized in-person transaction was made at the XXXX store XXXX XXXX XXXX XXXX CA for {$300.00}. I was not in XXXX XXXX, CA at that time, nor have I ever been there. I called Chase when the transaction was posted on XX/XX/XXXX to inform them of the fraudulent transaction and they informed me that my debit card was updated in my XXXX XXXX  the day after I canceled my debit card. During my initial phone call with their fraud department, I was not informed by Chase that the card automatically updates in the XXXX XXXX. They then canceled my first replacement debit card, which was still in the mail and I had not even received yet, and issued me another replacement debit card. I filed a fraud claim with Chase on XX/XX/year>, which was denied on XX/XX/year>. During this call on XX/XX/XXXX with Chase, is when I removed all cards from my XXXX XXXX XXXX I re-filed the claim on XX/XX/year>, after the {$300.00} credit was removed from my account. The claim was again denied on XX/XX/year> stating that " the transaction ( XXXX ) was processed according to the information you provided or was authorized. '' I called the Chase customer claims department today, on XX/XX/year>, and was informed that there was nothing Chase could do to help me, because the debit card was connected through my phone number, and my phone number has not changed. This transaction was not authorized by me, and I don't know how it was made in person in XXXX XXXX, CA when I was never there. I assume they added my canceled debit card into their XXXX XXXX  and therefore had access to the updated card information, which they used to make the unauthorized transaction on XX/XX/year>. Neither Chase Bank nor XXXX could resolve the issue for me or give me my money back after it was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts above listed has violated my rights. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Accounts above listed 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

XXXX XXXX without warning reported on my credit report false information, that I owe XXXX XXXX, $ XXXX.and XXXX collection agency called for the sum of {$XXXX} which I paid half like a dumb, without receiving any letter, just phone call from XXXX XXXX ( something like that ) because I was scared for my credit report. As XXXX XXXX did to me without warning, letter, phone calls,, which is a shocked to me, as they are ruining my credit score. 


I tried to call them and told them I switch to XXXX, from both companies, since the contract with XXXX was over and XXXX  was too expansive so as you switch they could not charged me anything except for one XXXX that I already paid more than {$XXXX} since XX/XX/2016 to XXXX, plus all the charges, fees, etc with a total of {$XXXX}. 

It is a nightmare to switched! 

Even XXXX was a nightmare as they promised to pay the final bill but they never did so i terminated my contract for lack of network, thank God I knew that now, but still, XXXX never returned one of my devices, nor paid me, and never fulfill their add promised, with switchXXXX!!! That is why I am in a mess today with XXXX and XXXX. 

But as I switched, XXXX  and XXXX, could not continue to charge me, as I do not owe them anything its the reverse for XXXX, and XXXX these tremendous amount of money. 

I called XXXX, XXXX, to tell them I switched, but XXXX said that my contract was signed under a lease, either I returned the devices, either I pay. 

I answered I did not signed a lease, I sign a buying contract, so if your agent made me signed something else she is a fraud, and you need to find her to pay you! 

Also I should had terminated my contract a long time ago ... since the law permit consumer to terminate any contracts who does not have any network, as their network tower was not working with any of my phones, as XXXX.So I had to use WiFi, for 2 years   not knowing I could stopped my contract with XXXX. 

So you are the one who owes me $ XXXX+ ( XXXX ) No they still say the same thing over and over. I wrote to the XXXX XXXX XXXX XXXX XXXX, and his son, but they doesn't read their emails, since its a false email, but their agents does, and call you. 

Which again is a scam and a rip off, from XXXX. Cant believe the CEO as an automatic answer, saying he will help you etc. No, its all false. 

So I need help please to get back my credit report clean by XXXX XXXX XXXX, who reported false information without calling me first, writing to me first, like XXXX    to all my 3 credit report. I want to Sue all 3 companies to make false promises, false contract, breach of contract, ruining consumers credit report, etc : and I want all my money back! How can you help us? Thanlks XXXX XXXX