23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$22000.00} XXXX XXXXXXXX Balance {$25000.00}
Product: Checking or savings account

On or around, XX/XX/XXXX @ approximately XXXX, I called Truist and spoke to a representative of the bank, employee # XXXX. I then proceeded to want an ACH stop payment enforced on a merchant, XXXX XXXX ( XXXX XXXX ), in the amount of {$91.00}. However, a few days went by, and I received a letter in the mail from Truist regarding the stop payment, along with the amount stated but the amount stated was incorrect from which I initially gave the bank, it stated {$90.00}. I immediately contacted the bank on XX/XX/XXXX @ approximately XXXX ( spoke to a representative, who then transferred me to a supervisor-as I requested, by the name of XXXX  : she provided me with case # : XXXX and that the money wouldn't be drafted out ). Again, it was drafted, never returned, so I called the bank again on XX/XX/XXXX @ XXXX and was able to speak to a representative, who then transferred me to a supervisor. I was constantly informed that the money in question for the merchant wouldn't be deducted from my account. However, it still was and still is currently, XX/XX/XXXX. I had to calling the bank, versus going there in person because I'm currently on Worker 's Compensation, from an injury sustained on my job since XX/XX/XXXX and have to use crutches to get around. It should also be noted that I emailed the CEO of Truist as well, notifying him of my displeasure of not having my stop payment honored. I explained the above situation to him as well on XX/XX/XXXX @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX XXXX 120 days late XXXXEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Mortgage

I believe I am a victim of Predatory Lending. Below is a detailed account : 1. My interest rate is 6 % for a Conventional Loan.

2. There are 8 excessive hard credit inquiries on my credit report from the same lender with a few of them occurring on the same dates. Dates are : XX/XX/XXXX ( 3 times ), XX/XX/XXXX ( 3 times ) and the last one was XX/XX/XXXX ( 2 times ). 
3. My Mortgage payment is unaffordable- {$1500.00} I feel that I have been taken advantage of. My file was submitted to underwriting on XX/XX/XXXX and I received conditional approval on XX/XX/XXXX via email. I electronically signed the initial closing disclosure on XX/XX/XXXX and the disclosure stated my expected closing date was to be XX/XX/XXXX. However, I never closed on the loan. I called the branch and wasnt able to get a firm answer as to why. On the morning of XX/XX/XXXX, I went to the branch and spoke with the loan officer and branch manager on site. I was told my status for the loan was now refer with caution. Furthermore, when I met with the loan officer and branch manager, both  gentlemen appeared to be under the influence. There was an odor of XXXX and it came from the manager who was sitting directly to my left. As I expressed my concerns, the loan officer sitting across from me at the table was slouched down in his chair and his eyes were red. After asking a few questions, further investigation and reviewing my most recent credit report, I saw that the mortgage company put 8 hard credit inquiries on my credit file since XX/XX/XXXX. 

If needed, I have a witness that is willing to write a statement regarding the details above.
Product: Debt collection

I don't have a account number. Just a letter stating that i am named a Defendant in a lawsuit.
Product: Debt collection

I sent a letter to RMC of America specifically asking them to verify debt with breakdown of fees including any and all collection cost and medical charges. I ask for a copy of my signature with the provider of service to release medical information. I was told that they could not validate because the place of service has been closed for years. RMC of America is a place of business and DO NOT have proof of validation. They are violating FCRA and FDCPA laws.
Product: Debt collection

On XX/XX/XXXX I was notified from my employers legal team that they were served with legal documentation of a wage garnishment from Portfolio Recovery Associates. That same day, I conducted a search of my name on the Maryland Judiciary Case search and saw that there is a judgement against me with Portfolio Recovery Associates. As I was reading the judgment, I saw that a hearing was scheduled on XX/XX/XXXX. I was not notified of the hearing, I had no clue that I was being sued. I didn't found out about this until my employers legal team emailed me on XX/XX/XXXX. On XX/XX/XXXX, I contacted Portfolio Recovery Associates to obtain documentation of the debt that I owed Portfolio Recovery Associates. The representative that I spoke to stated that my account with Portfolio Recovery was closed because legal action has been taken and there is an active wage garnishment. The representative then transferred me to their manager because I wanted documentation that I owed Portfolio Recovery Associates and why is this company suing me. The representative stated that my account is closed because there is an active wage garnishment and can not provide the documentation. I contacted Portfolio Recovery Associates via telephone every weekday from XX/XX/XXXX - XX/XX/XXXX and received the same answer from each representative " Your account with Portfolio Recovery Associates is closed because legal action has been taken and there is an active wage garnishment, we can not provide additional information or documentation. '' I did not know I had an account with this company nor owed them any money. Today, XX/XX/XXXX I received an email from my employers payroll office stating that my wages will now be garnished, 25 % of my disposable income starting XX/XX/XXXX.
Product: Debt collection

After reviewing my credit report, I noticed several accounts that I believe were added without permission. Please proceed to block and delete these fraudulent entries.
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 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXX  is paid and closed and it's over seven years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$840.00}, DPT EDXXXX XXXX XXXX Owed : {$7500.00}, XXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Consumer Loan

On XXXX XXXX, I was denied a line of credit with BB & T. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
After the denial I discovered that my application was intentionally falsified by XXXX XXXX XXXX. 
As a result of the falsified application XXXX XXXX, processed another application and included the assets that XXXX XXXX XXXX did not include. XXXX assured me that there would be no additional inquires because the prior application was recent ; however, there was an additional inquiry which I did not consent to. This violates FCRA. 
I was informed this application was denied on XXXX XXXX, 2016. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
Additionally the minimum line for the product was XXXX. My liquid assets totaled a little under XXXX. After the denial XXXX stated specifically " BB & T likes to see liquid assets match dollar for dollar ''. 
If this is true why would this not be disclosed so that I would not waste my time if the minimum line of credit is XXXX and BB & T want applicants to match liquid assets dollar for dollar knowing my liquid assets only totaled under XXXX? 
It is my position that both inquiries should be removed because there was no business necessity to obtain a credit report when it was known I did not qualify because of a lack of liquid assets. 
Also, both adverse action letters should be provided to me immediately.
Product: Debt collection

I have never had XXXX XXXX XXXX  but i recently went to purchase a home and they pulled my credit and there is a collection on my report from XXXX XXXX XXXX. I tried to find out where this came from with the company but have had no success. It is fraudulent but i can't seem to get it removed from my report. Please assist me any way that you can in resolving this matter. Thanks.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I received a letter saying that my dispute was declined because my evidence ( opinion from second merchant ) was not as described or correct. I went back to the second merchant and received clear proof that what the first merchant ( the charge on my credit card ) did was wrong and not as described. It  shows that whereas the first merchant says they rebuilt the transmission, they actually put in an old transmission, which was the reason the transmission was shifting hard, which shows that the problems were caused do to the work performed by the merchant. This is clear indication that I was fraudulently charged for services I did not receive. 

I have tried contacting Citi about this but no one has contacted me back. I was told someone would reach out to me regarding this dispute, but no one did. Today, XXXX XXXX, I was told that call volume is too high. Citi is not supporting me in this difficult transaction, because the merchant broke my car and his faulty service left me without a car for weeks ; I lost a lot of money and the merchant did not perform the services he said he did. Citi has an obligation to support me because I am the customer. The merchant has deceived, lied, and defrauded me out of my money and citi needs to remove both of these charges for XXXX on the diamond preferred and XXXX on the simplicity card, because I have gotten the proof they have requested. This has been a long and tedious process and I would like for citi to not help the business rob me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed a XXXX XXXX XXXX  account and a XXXX XXXX XXXX credit account on my Experian credit report that is in violation of 15 U.S. Code 1681a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The loan and credit account use my social security card to extend credit which falls under the definition of credit card by truth and lending. Experian sent me and email on XX/XX/2021 saying that the account was updated when nothing was changed.
Product: Mortgage

I was having financial difficulties due to job loss and the death of both parents 2 months apart. I ask Selene Fine for a modification on my mortgage because I had gotten behind 10 payments ( XXXX ). I attempted a trial modification but it was unsuccessful. I requested another modification but per Selene Finance HUD does not allow XXXX modifications within a 24 month time frame. I tried to explain to the customer service person XXXX, that I did not have the first modification. He proceeded to tell me that I did complete and in addition I had too much debt to ratio and even if they could have done another modification I would not be able to afford it because I do not have enough income
Product: Credit reporting or other personal consumer reports

I have contacted XXXX about a student loan that was paid off for Ed financial and it didn't get resolved. I called Ed financial and sent all my paperwork showing that the loan is paid off and they are still asking for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not removed my fraudulent accounts. This is Defamation of character and willful injury. XXXX and XXXX has remove the accounts after sending them the same information I sent Equifax. This is poor reporting practices.
Product: Checking or savings account

On XXXX XXXX I was on my way out of town for vacation and I went to use my chime card and it wouldnt go thru luckily I had a little cash. So when I stopped for food for my daughter it still didnt work so I went to my chime app and I was signed out. So I called chimes customer service number and inquired why I couldnt log in to my account and when I couldnt use my card they said I needed to send in my iD and mail with my address on it. I couldnt understand.Ive had this account for several years. So I sent in the information and I was told it would be resolved in 24-48 hours. Ive been calling every day asking about my money and nobody will help me not even the supervisors and they say theres no one above them no corporate number I cant talk to the support people and they still have my money. Its in my savings account part of chime.so I contacted the XXXX bank and they said they dont have anything to do with chime. I also called XXXX XXXX and they said the same. All my bills are due. Its like Im starting over from scratch waiting to get paid so I can pay my bills.
Product: Debt collection

On XX/XX/XXXX I received mailing from Mandarich Law Group LLP collecting on a debt for XXXX XXXX, XXXX. They stated original creditor was XXXX XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX CO, XXXX filed with XXXX XXXX XXXX by XXXX XXXX on behalf of company XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX, XXXX and a default judgment entered and was paid in full effective XX/XX/XXXX. I have sent Mandrich Law group a dispute letter as this debt was paid in full back in XXXX.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX and 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

I have fallen behind on my installment loan, they extended my loan but since I can not pay the full amount I wanted to cancel my authorized withdrawal of funds XXXX and make another arrangement, they said they would not cancel the authorization and that they were going to take the funds out and not cancel my consent so it would seem that I am ok with the withdrawal. I talked to a supervisor, he belittled me, he raised his voice and said " He was done with me '' and hung up. I called back at lease five times, and all staff that answered said they would not cancel my withdrawal of funds. They said I have not intention of paying the loan, that is not true, they are still calling me to make more arraignments, when I call back the number is not a working number they leave n my voice mail. They are also sending me letters saying they are going to take me car away, even though it is not a title loan. Lastly, they said they would keep calling my references. I think I can say this is not harassment.
Product: Debt collection

Early in XXXX I received a call from Bridgecrest, my auto loan company in regards to the collection of the debt owed on my auto vehicle. I talked to them, explained my situation to them and attempted to find a solution in regards to the debt. It was later that day I received a second call from them. As I have already spoken with them, I knew I could not receive a second call for the day. I explain this to Bridgecrest who also attempted that I was not the first person who stated that. Towards the end of the month I received an other call from Bridgecrest in which I ask what they were going to do since they violated the rules in regards to debt collections. So stated she would research it and get back to me. I never heard back till XX/XX/27 where I was given the same story of we will research it. Then I XXXX I received another call but this time it was to inform me that they have researched the complaint I presented and found that on that day there was system issue which allowed Bridgecrest system to make multiply calls that day to customers even after they have already spoken to Bridgecrest. They wanted to call me to let me know that 1. they did call me twice in one day after making contact. 
2. that this was an issue with there system on that day 3. they have corrected the issue 4. they are sorry 5. Not willing to do anything above and beyond an " I am sorry '' In conclusion, a violation has occured between myself and a debt collector. That violation was been reviewed by the debt collector and have admitted that they did in fact made a second call to me after contact with me once already in that day.
Product: Debt collection

I never entered any agreement to do business with this company. They also sent me a notice in the mail in a thin envelope with CREDIT COLLECTION SERVICES on the first page. This is visible in person and also online when the post office scans the mail in daily. That is a violation. I know personally there are envelopes that ensure privacy. This is a sneaky way around the rule.
Product: Money transfer, virtual currency, or money service

On the first of XXXX i sent XXXX dollars by Remitly to be picked up in minutes to XXXX XXXX XXXX and they havent released the transaction. They asked me for my ID, his ID and our emails and I sent it to them and still nothing he hasnt received that money. I keep calling them every day and texting with them and they keep on telling me to wait for 24 to 48 hours. I told him what was the problem to see if I could fix it but they say nothing that theyre just waiting on the XXXX bank. I told them to cancel the transaction and send the money back to my bank account and they say they can not do that right now cause its still on hold. The reason why I dont know every time I call they keep on telling me a different thing but theyre not asking me for nothing else until today. That money is still on hold for what reason theyre not telling me they change the story every single time I call them. Its a different thing
Product: Debt collection

I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the Guster law firm and spoke with XXXX XXXX who said it was a XXXX XXXX account for an outstanding judgement for {$5400.00}. 

I do not have a XXXX XXXX account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.
Product: Debt collection

PDQ services continues to add things to my credit file despite not being able to furnish signed paperwork of any agreement between myself and themselves. I have never lived at a company called XXXX or signed and agreement with XXXX. I do not owe them money. This is illegal and its still on my credit report despite multiple disputes and attempts to resolve with the company directly. This account was added to my credit report on XX/XX/XXXX. I immediately disputed it on XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX, XXXX and they could not furnished any agreements but XXXX, XXXX, and XXXX allowed the account to stay. The account was removed once on XX/XX/XXXX but then placed back on without my knowledge.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some XXXX  According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.
Product: Debt collection

I told the deck collector named XXXX that I was not currently working and would n't be able to make payment until XXXX he asked me how I was paying my current bills I said that my fianc was because I have been out of work because of my XXXX he then proceeded to say I guess that this dad is n't that important to you we will have to take the next steps. Thanks person that suffers from XXXX this call has extremely upset me and has caused a lot of XXXX when I ask him more questions he told me not to contact him and hung up on me and refused to tell me certain things about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer repossessed our vehicle voluntarily in 2005. Santander got the vehicle but still maintains we own money ( {$13000.00} ) on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.