23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency, Michael Harrison , Attorney at law, has violated my consumer rights and financially harmed me by their collection tactics. By law under the Fair Credit Reporting Act, they are required to report the debt as disputed with the credit reporting agencies. I have advised them that I am disputing the debt as the medical provider has charged me for a medical service that they did not provide. My consumer rights under the law have been violated as they did not report the debt as disputed with the credit reporting agency, even though I sent them correspondence indicating so. When I called the collection agency, Michael Harrison, the representative was very rude and threatened me. 
I had stated I wished to resolve the debt issue with them but they ignored my request.
Product: Checking or savings account

While using   XXXX   XXXX   to help me get paid in real time I expieriance multiple delays due to my bank not sending information fast enough. It is not sending current info is read my account at a single dollar, while there is much more actually in the account. This is keeping me from being paid.
Product: Student loan

My application with Navient for XXXX XXXX XXXX was approved on XX/XX/year> due to my school that was the loan was taken out for was named in the Borrowers defense legislation and named as predatory school. I was struggling to pay these loans for the years and now while I am more than happy that the loan is cleared I was making payments for the better part of 15 years and now I will not be receiving a XXXX I am confused as to why this is the case. Thank you.
Product: Bank account or service

This is my 7th complaint about Bank Of America! They have not yet fixed my problem with the money stolen out of my account! They just call me, and leave a message, but never pick up or call me back when I call or leave a message. Its crazy! Now, they charged my account another $ XXXX monthly fee, and an extended overdraft fee and they still have not refunded my money or helped me, but they keep over drafting my account! They should just give me my money back, and save us both a headache. I hate claims, and this is my first in XXXX years, and this process is a con and unjust to the customer!
Product: Credit reporting or other personal consumer reports

I have 3 hard inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) XXXX/Cross country Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) These companies ran my credit without my authorization.
Product: Debt collection

Today, XX/XX/year>, I discovered a debt on my credit report that has been placed in collections by RESURGENT/LVNV FUNDING? The original debt is from XXXX ( I only know because I check my XXXX account daily as my credit goes up ). I am certain that I was never contacted by the collection agency via email, physical mail, or any calls to validate this debt as required by law. This lack of proper notification has prevented me from understanding the nature of the debt and exercising my rights to dispute it or seek verification.

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide written notice of the debt and the consumer 's rights to validation.

The presence of this unverifiable debt on my credit report violates 15 U.S. Code 1681i ( 5 ), as the collection agency failed to follow proper validation procedures, leading to the reporting of inaccurate information. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against RESURGENT/LVNV FUNDING for their failure to comply with the FDCPA and FCRA and remove it from my credit report IMMEDIATELY.
Product: Credit reporting

Transunion has an item on my credit report that was not verified. XXXX it was updated XX/XX/2016 the company address is XXXX WA XXXX I have never had an account with XXXX I requested verification from TransUnion and it was supposed to be sent within 15 days according to FCRA it was never sent and I want this item removed immediately Legal Counsel has been notified.
Product: Credit reporting or other personal consumer reports

the vehicle in question belongs to my brother XXXX XXXX XXXX XXXX took out the loan for the vehicle i was just the cosigner the car was reprocessed and sold but a bill of sale was not provide after the sale of the vehicle.XXXX consumer stated that there is a balance for {$5300.00}, but never provided the bill of sale as proof of sale which show what the vehicle was actually sold for. Now the account is reporting as a charge off that make it negative.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute an account listed on my credit report that does not belong to me. The account number is XXXX ****, and it is with XXXX XXXX XXXX. 

The original creditor was XXXX XXXX XXXX, with whom I've never done business. I have never opened an account or received any bills or statements from this company. Upon my request to validate and verify this debt, XXXX XXXX XXXX responded with a copy of a bill listing only my address. 

Please note that I have never received, acknowledged, or made any payments on this account, which has already been removed from my XXXX and XXXX credit reports. 

Enclosed, please find a copy of my credit report with the inaccurate account circled. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXl XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Global receivable solutions has called my place of business 10 times in 1 hour. Both owners have called and told them to remove our number and they immediately called back 3 times in 90 seconds. We are a very busy restaurant and do not have time to be answering the phone when it has nothing to do with our business. They would n't even tell us who they were looking for nor let us speak to a supervisor. Every time we tried to speak they would interrupt us with the same statements over and over. 
It should not take 3 calls to get them to stop. Nor should they call anyone 10 times in one hour.
Product: Mortgage

My name is XXXX XXXX and I was a victim of Ocwen mortgage fraud and wanted to see if you still handled these cases? I see that Ocwen lost a case with 23 states on mortgage fraud, Case Number : XXXX Due to the housing crises and loss of job and being force to take a job at another company with far less pay, I was working on modifying my loan with Ocwen before 2013 to keep my home in XXXX, Florida. eventually, I actually left my wife and kids and was forced to move to another state to make enough money ( according to Ocwen ) to Modify my loan. I was told everything was moving forward, up until the last week before foreclosure, when Ocwen stopped taking or returning my calls and emails and let my house go into foreclosure. I found out later that Ocwen told the court that they offered to modify my loan and that we refused, this never happened
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a unauthorized credit inquiry appearing on my credit report. This inquiry was not authorized by me and has been on my credit report for over XXXX years? therefore lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I demand that this inquiry be removed from my credit report immediately.
Product: Mortgage

I have a fraudulent loan from Wells Fargo on my title from 2005. I contacted them and their response was that they see no fraud. The settlement company is out of business so I can't get information from them. All the documents have a copy of my signature but I did not take this loan. They have a cash payout of over $ XXXX in the settlement documents that I never received.
Product: Bank account or service

I applied for a XXXX account through Citibank XX/XX/XXXX. The account came with a ThankYou points promotion ; if I fund the account and make bill payments from their portal in two consecutive months, then I 'll receive XXXX points 90 days after the last bill payment is processed. I was told by numerous Customer Service Representatives, both online and by phone, that the account was in good standing and that I qualified for the promotion. It was only after the 90 days had passed, which was XX/XX/XXXX, and they had charged several monthly fees for the account, that I was told that I did not qualify for the promotion. I tried to resolve the issue by asking for my issue to be escalated internally, but I kept getting the same response, despite being told numerous times that I qualified for the promotion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account 's XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I have told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Product: Debt collection

Frequent Calls from CBE group harrassing me for my social security number calls on XXXX XXXX XXXX XXXX XXXX XXXX and many others
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
XXXX XXXX XXXX XXXX XXXX XXXX late payments being reported that are inaccurate and therefore unverified. 

Experian, XXXX, XXXX, and XXXX are governed by 15 USC 1681 and they violated my rights numerous times. 
There is no law stating that any transactions need to be reported. 

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I XXXX XXXX HAVE NEVER MISS A PAYMENT OR WAS EVER LATE FPR 20 YEARS AND NOW THAT MY BALLANCE IS UNDER XXXX DOLLARS THEY HAVE ADDED ESCROW FEES TO MY ACCOUNT. WE HAVE TRYED AND TRYED TO TO CONTACT THEN AND RESOVOLVE THIS ISSUE WITH THEM TO JUST GET THE RUN -A-ROUND PLANET HOME LENDING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PAYMENT WENT FROM XXXX TO XXXX IVE ASK THEM FOR A PAYOFF AND THEY REFUSED THEY SAID GO TO ARE WEBSITE I TOLD THEM ALL ARE TAXES WERE PAID WE HAVE PROOF AND ARE INSURANCE HAS BEEN PAID AND SEND THEM PROOF INSURANCE THE FIRST TIME THEY CHARGED US OVER XXXX AND WE HAD TO FIGHT THEM FOR 2 MONTHS TO GET ARE MONEY BACK AND NOW THERE DOING IT AGAIN THAT COMPANY OFFER NO HELP OR WILLING TO RESOVE MY PROBLEM
Product: Credit card

The distress stemming from this situation is tangible, affecting my XXXX XXXX  and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Product: Payday loan, title loan, personal loan, or advance loan

Systems & Services Technologies recently aquired the Loan from XXXX XXXX XXXX XXXX. During this process I had made payments totally of {$700.00} towards the month of XXXX After the transition I made the final payment of XXXX to satify the loans payment for the month of XXXX. 

Timeline : XX/XX/XXXX : Payment of XXXX processed. 
XX/XX/XXXX : Payment of XXXX processed. 
XX/XX/XXXX : Informed them about the payments not processed ; no response. 
XX/XX/XXXX : Payment of XXXX made. 
XX/XX/XXXX : Emailed again stating payments of XX/XX/XXXX and XXXX not reflecting. 

XXXX XXXX XXXX Complaint Filed : XX/XX/XXXX - No Response. No updates to account. Online Account claims to be delinquent.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is : XXXX XXXX XXXX XXXX XXXX, NC XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting

I applied at XXXX for a bank checking, coming up not bad but there was an item on Equifax for XXXX unpaid to XXXX XXXX bank, I have never used them in my life. 
I went to XXXX XXXX bank and they looked all over new and old records with my name etc. 
they found no account for me no business dealing at all, they call midflorida on this and told them there must be a mistaked so midflorida gave me the accout.and said to make a report to you and ask to have this removed asap it is lowering my credit report to much. 
I am sending this info to help me., thank you in advance XXXX XXXX XXXX, fl XXXX ss. XXXX XXXX is the bank that gave me the credit. date of birth XX/XX/XXXX
Product: Mortgage

For 8 months I worked with Discover Home Loans on a mortgage. They approved my initial request, locked in the rate and gave me a " close on time guarantee. '' At one point I asked to increase the amount of the loan ( when I was worried my house would n't sell before the new house was done ). I was told that increase was approved. Then my house sold and I requested that they go back to the original amount approved. That was 2 months before closing on my new house. They continually assured me that my mortgage was approved. Before XXXX XXXX, 2015 they knew the closing date of XXXX XXXX, 2015. They failed to close and my family was left without a place to live. On XXXX XXXX they failed to close because their paperwork was not ready. On XXXX XXXX they failed to close because there was an error in the amount of the loan. On XXXX XXXX they failed to close because they had the wrong zipcode on their paperwork. On XXXX XXXX they failed to close because they could n't get their work done. On XXXX XXXX I borrowed from my retirement plan and settled on the new home -- because my family was left homeless by the " game-playing '' and failure to follow through of Discover Home Loans. I want everyone to know of the nightmare they put me through. I have extensive documentation to prove what I am saying. The settlement company said they have never seen a customer treated so badly. This was abuse and something should be done to stop them from making promises they ca n't keep. The " {$1000.00} guarantee '' that they will close on time is worthless because they only pay out if you stay with the abuse and close with them. It is a racket and should be stopped.
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the account be deleted from my file. 

Additionally this is a business credit card which means it was opened using an EIN number rather than a consumer 's SSN, placing it on a file a willful disregard for the law rather than simply negligence. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681e ( b ) to name just ONE of the violations. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Mailed A Copy Of My Inaccurate Information To Equifax Back On XX/XX/2021 And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back Or Any Changes. 

By Law, They Are Supposed To Reply Within 30 Days.
Product: Mortgage

XX/XX/2013Investor : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX extFHA # XXXXLoan # XXXXPayment $ XXXXInterest Rate 7 % Term XXXX years. 

XXXX XXXX became delinquent in his mortgage due to the illness of his father and required home repairs. 
In the interim XXXX XXXX mortgage changed hands from XXXX XXXX to XXXX, from XXXX to XXXX XXXX. XXXX XXXX was getting notifications from both XXXX and XXXX. He was getting anywhere with XXXX and he went to the XXXX office. At the XXXX office he was given information from XXXX XXXX that he did n't have an FHA mortgage but that it was conventional. XXXX XXXX. I have documentation the original mortgage it is FHA. XXXX XXXX was not offered a loan modification.. I called the XXXX office and spoke to : XXXX XXXX. 
XXXX XXXX is the investor he told me the loan was conventional. I told him the mortgage shows that it is FHA. XX/XX/2013I completed the XXXX, XXXX, crisis budget, XXXX. I called XXXX and spoke to XXXX, and XXXX who transferred me to XXXX in customer service. I explained to her that I could not applied for the proper foreclosure prevention tool for XXXX XXXX, because XXXX had him listed as having a conventional mortgage, when he has an FHA mortgage. XXXX XXXX has been receiving ACT XXXX notices to date he has received XXXX, She began reviewing his closing documents and said that his HUD 1 states that he has an FHA mortgage. XXXX put in the request to change the type of mortgage of conventional back to FHA which was the type at origination. This process will take XXXX days she requested that I call back by Friday to confirm that it was done. 
XX/XX/2013I called XXXX and I spoke to XXXX to verify if the Mortgage type had been changed, I was told the request was misdirected and she had to check what had to be next. there is no work order. She then requested that proof be provided to XXXX that indicated that XXXX XXXX has an FHA mortgage. I asked if the client did not have proof then his type of mortgage would not be changed. I informed them that I will escalate this matter with HUD. He had a repayment plan, and a forbearance agreement which is available to homeowners with Conventional mortgages. He was not offered a partial claim which is only offer to clients who have FHA mortgages. This is predatory lending practices. I called the attorney 's office that is handling the foreclosure for the lender and was told by XXXX that the loan is FHA. I have contacted HUD to verify the type of loan and they said that they can find it. Please look into this matter. The loan type is not suppose to change.
Product: Debt collection

I received a email from XXXX account services that a loan that I did not apply for was sold to National Credit Adjusters. This loan in question also shows on my credit report. I have asked for help from the CFPB as well as requested signed documents for an application for credit or anything that they have in order to press charges. As of this date, nothing. I did my research on this company and there is no way I would apply to a payday loan service with the tactics this company employs. Even worse than that they allowed my ssn # to be used without my written or verbal consent.
Product: Debt collection

Repeated phone calls/messages left daily for months and months to my cell phone saying i have a bad check I have told them I do not and never had any bad checks to anyone I have asked them numerous times to send any collections they may have to me in writing to my home address They never have done so. In months I have asked them numerous times to stop calling my cell phone They still continue daily for months! 

I have emailed them and sent a letter to the address they gave me asking for the calls to stop including the hopefully last time today What else can i do Please get these calls stopped
Product: Credit card

I filed a credit card dispute on XX/XX/2023. Citi then sent me a letter dated XX/XX/2023 stating that my credit limit was lowered by {$6900.00}. The lowering of my credit limit is a direct result of me filing a credit card dispute. The letter states " we frequently review cardmember accounts... based upon your current credit limit usage, we've decided to lower your credit limit ... ''. I have not changed my credit habits with this card in years. My credit limit has not changed in years. I have not had any contact with Citi or paid my bill late in years. I then file a credit card dispute and XXXX business days later Citi takes negative action against my account and lowers my credit limit by {$6900.00}. It is clear that my credit limit was not lowered because of some regular review of cardmember accounts but because I filed a credit card dispute. This is an unfair practice and directly affects my credit report.