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

In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On today XX/XX/2023 I contacted Wells Fargo in reference to the update of my Loan Modification Application and why I keep getting Sheriff Sale notices from their legal counsel XXXX XXXX since Im supposedly to be out of foreclosure. Sadly after all of the required documents were sent to them they continues to play these sarcastic games asking for more documents every couple of days. And they has these pathetic customer service representatives just instigating to this matter. And every attempt to reach out to my Preservation Specialist has been unsuccessful..
Product: Credit reporting or other personal consumer reports

Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( Equifax ) that my credit score had tanked tremendously. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of XXXX to a XXXX balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.
Product: Prepaid card

I reported this to the office of the MN State Attorney General and they have suggested I also report it to you : American Express Customer Relations XXXX, UT XXXX I requested a card at XXXX, which has not yet been received. So, I went to XXXX and purchased one in the store and put {$300.00} cash on it. 
XXXX on XXXX/XXXX/2016 TC # XXXX AMEX BB XXXX {$5.00} on receipt The physical card 's packaging UPC is XXXX Card # XXXX Valid Thru XXXX CID XXXX Because the one I requested online is associated with my phone number, I ca n't set the physically purchased one up online for my personal management. 

ISSUE # 1 I bought the card for the sole purpose of retaining services from XXXX XXXX XXXX. They attempted to charge {$290.00} and it was declined. I went back to the XXXX store and spoke with a manager. He said there 's a " hold '' while it transitions through the banking transfers. He checked the card balance ; {$5.00} remaining. 

There is absolutely no way for this " hold '' of {$290.00} to be received by XXXX XXXX XXXX. So, where is my {$290.00}? I am so disgusted with this matter ; I am reporting it to the State of MN and the FBI immediately. 

XXXX XXXX, MN XXXX ; XXXX
Product: Student loan

I have private loans with Navient, they use to be with XXXX. I was denied any kind of Assistance with payment. I was only allowed to go on the graduated payment scale which is extended. that was the only way that I could get my payment down to something I could attempt to afford at the time. I did n't have a " real '' job and I did n't have any more forbearance time. I eventually reconsolidated my loans after my first wave of loans and once I was into repayment and I was done with Private loans, I asked to have my loans put into my consolidation. I later found out that it restarted my clock.
Product: Debt collection

I have sent a validation letter with National Credit System that was sent on XX/XX/21, after a month I received a letter from another collection agency name XXXX XXXX XXXX XXXX XXXX dated XX/XX/21 collecting the debt of {$1800.00}. They did not even provide a valid proof that the account is mine. Not even with my signature. I have then send couple more letters trying to get the proper documents that I've asked for. But National Credit System never responded to me. please help me with this matter.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue I have encountered with the following accounts : XXXX - XXXX XXXX - XXXX XXXX - XXXX as reported on my credit report. I had previously sent these account for validation, and despite being returned as " accurately reporting, '' I still believe that the information is incorrect and that there was no proper proof of debt validation provided. 

Here are the details of my complaint : Inaccurate Reporting : The information related to the following accounts on my credit report is inaccurate. I have thoroughly reviewed the details, and I am certain that there are discrepancies that need to be addressed. The inaccuracies adversely affect my credit score and financial standing. 

Validation Request : I had submitted a request for debt validation to the listed accounts in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the response I received did not provide satisfactory proof of the debt 's validity. The lack of proper validation documentation raises concerns about the accuracy of the reported information. 

Impact on Credit Score : The inaccurate reporting of this account has had a significant negative impact on my credit score, affecting my ability to secure favorable terms on loans and credit. It is crucial that the inaccuracies be corrected promptly to restore the accuracy of my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in the reporting of the above listed accounts. I also request that the bureau ensure proper validation of the debt in question. 

Enclosed with this complaint, please find copies of relevant documents, including my original validation request for each account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these concerns and work towards resolving this issue. 

Sincerely,
Product: Checking or savings account

Regarding my previous complaint filed under claim ID XXXX, Bank of America XXXXad instructed me to contact a resolutions associate providing a telephone number. I tried to call this person over the last month or so and I must have called over a dozen times and left as many messages but there unfortunately has been no answer from him and Ive had absolutely no luck reaching him as instructed despite calling at various times of what Bank of America had informed me were his office hours. I have not spoken with this case with anyone at the bank despite their reporting that they have been in touch with me.
Product: Debt collection

I continue to get calls from a supposed Debt Collection Agency. They never say upon calling who they are, or why they are calling. They wait until they are sure you are not going to hang up and before you verify anything with them they ask you to verify your personal information. They will not identify themselves or who/where they are calling from. Several attempts to find out WHY they are calling have failed as they will not state why or who they are without verification of your personal information first. I 've been given XXXX different names of the company, XXXX of which is Qualia Collection Services. I 've told them the person they are trying to reach is not at my phone number multiple times and have asked them to please remove my number from their list every time they have called. This has been going on for months now and they still continue to contact me, and when I answer, it is the same situation every, single, time. The only reply they will typically give as to why they are calling is for " business ''. It takes a XXXX questions just to get them to say what company they are calling with.
Product: Debt collection

On XX/XX/XXXX I received a call from Holloway Credit Solutions, LLC in an attempt to collect a debt. I spoke with someone named XXXX who told me I owed {$1300.00}. I told her I did not owe that amount. She continued to tell me I did and I asked from where and to who. She stated it was submitted to them by XXXX XXXX for the date of service XX/XX/XXXX for my daughter XXXX. I told her the bill was not that much but she insisted that it was and was submitted to them for that amount. I actually had a copy of the bill and she told me that was not the correct amount and that I would have to pay the {$1300.00} in full or they would report it on my credit. I have a copy of the actual bill amount attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Reference Number 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: Credit reporting or other personal consumer reports

I am writing this letter to officially dispute information that is inaccurate on my credit report. Based on the following FCRA violations. 

Failure to Provide Investigation Results ( 1681i ( a ) ( 6 ) ) ; Failure to Conduct Reasonable Investigation ( 1681s-2 ( b ) ) ; Reporting Inaccurate Information ( 1681s-2 ( b ) Failure to Properly Handle Direct Disputes ( 1681s-2 ( a ) ( 8 ) ) Your company has failed to provide physical verification of the following accounts and has yet to delete these accounts from my credit profile. I have requested written, wet signature signed pages of the agreement between myself and the creditor however I have received none, yet the account continues to remain on my credit report and investigation comes back accurate and verified. These accounts never seem to change in status or remarks but somehow are verified which I find to be inaccurate, false and all around fraudulent. 

XXXX XXXX No Account Number Listed {$13000.00} ( diff amount on Equifax report ) XXXX XXXXXXXX XXXX-Account Number Listed {$6400.00} ( charged off ) XXXX XXXX Account Listed XXXX  times {$0.00} ( unknown status ) XXXX XXXX Account Listed XXXX times {$400.00} ( unknown status XXXX total account reporting ) XXXX XXXX XXXX  Account Number listed These accounts are very damaging to my reputation and my financial stability and needs to be deleted immediately. This is my third written notice about these accounts. If the proper action is not taken, I will be forced to take legal action for punitive damages. 

I have already submitted documents to verify my identity on several occasions previously. Please dont not request these documents again or I will assume that is just an attempt to delay doing the necessary thing to correct these inaccuracies. 

Thank you for your attention to this matter.
Product: Mortgage

I mailed my XXXX mortgage pymt for {$2500.00} ( my normal monthly pymt ) to NewRez using their payment coupon. On XX/XX/XXXX, I contacted NewRez because the pymt had not yet cleared my account. I also utilized their " Contact Us '' portal outlining my concerns ( and received an email verifying receipt of inquiry and that someone would contact me within 48 hours to discuss same ). 

Today, XX/XX/XXXX, I went to my bank and put a " stop pymt '' on the check, called NewRez to confirm they had indeed not yet received the pymt, and then paid my XXXX pymt over the phone ( and received a verbal confirmation number; was told I would also receive a email pymt confirmation, but have not yet received it ). 

I then had the XXXX transfer me to the XXXX XXXX. to inquire as to why, 18 months post-bankruptcy filing, I could no longer access any " account details '' ( beyond the principal balance due, the monthly mortgage pymt amount, and the due date ), including payment history, making online payments, etc. The woman in the XXXX XXXX. ( XXXX ) informed me that " it's just their policy not to allow mortgagees who are in a bankruptcy to access their online account details ''. I reminded her that up until XX/XX/XXXX, I had, indeed, been able to access all details of my mortgage account, and that it was only in the last 2 months that access had been denied. I asked her why that was after all of this time. Her only response was that " she didn't know what to tell me, or could not tell me why after 16 months, I could all no longer access my account '', and again reiterated that is just " NewRez policy ''. 

I further inquired as to why, beginning in XXXX of XXXX, NewRez was now using a portion of my monthly mortgage pymt each month to pay their " attorneys fees '' that were accrued when NewRez filed their Notice of Claim in XXXX of XXXX ( in the amount of {$350.00} ). NewRez was not a listed creditor in my initial XXXX filing ( as my monthly mortgage pymts are being paid outside of the bankruptcy, and NewRez had no arrears due when the XXXX filing was made ). 

Again, I was not in arrears to NewRez when I filed my Chapter XXXX in XXXX of XXXX ; nor are any portion of my monthly Trustee 's payments being paid to NewRez. There is, also, an {$1800.00} " escrow overage '' that NewRez is claiming I can not be refunded until the bankruptcy period is over.
Product: Student loan

I have been in an IDR plan for several years ( since 2014 ) as I was laid off work and unable to find employment, I was basically forced into retirement and had to live off Social Security. I do occasionally pick up private contracting work but last year I didn't get any contracts and this year is looking to be the same with nothing available work wise to supplement my Social Security. Two years ago I made an additional {$8000.00} doing contract work and since Navient uses tax return information to base their IDR payment on, they have now raised my payments THIS year to the point of them taking almost a full 20 % of my Social Security, which is my only income. I can't afford these payments and contacted them explaining this, Their only solution/recommendation was to request a postponement option available on their website. The only options there are for unemployment deferment or financial hardship deferment neither of which are applicable to my circumstances due to them both being a " short term '' solution. Also, I am $ XXXX short of qualification for a forebearance. It's like a catch-22 situation, I have paid on these loans for a very very long time and now that I can't afford to make the almost $ XXXX there seems to be no avenue of recourse for me.
Product: Mortgage

My Loan Care simply decided to break the law by not completing my required 1098. I have not seen such blatant XXXX misconduct since former XXXX XXXX incited an insurrection.
Product: Credit reporting or other personal consumer reports

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Product: Vehicle loan or lease

After returning my vehicle to the Audi dealership, I was notified that I had NOT returned it, and that I was going to be charged regularly until I did. I emailed the dealer and asked them what the issue was, and to confirm I returned the vehicle. I received the following response : " Hello! 

I have already been in contact with Audi, there was a hiccup in grounding your XXXX, but we already have it resolved for you and you won't owe anything nor be negatively affected. 

Thanks! 

XXXX XXXX Audi Sales Consultant MIDWESTERN AUTO GROUP XXXX XXXX XXXX XXXX AUDI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. | XXXX, OH XXXX direct : XXXX phone : XXXX e-mail : XXXXXXXX XXXX XXXX XXXX location : click for map '' Despite being told I would not owe anything, I continued to receive notices of bills and followed up. I received the following email : " Hello! 

My apologies, I was out of the office. XXXX has informed me they have everything we need, and will be taking care of it for you! 

Kind Regards, XXXX XXXX Audi Sales Consultant XXXX XXXX XXXX  Affordable XXXXXXXX XXXX XXXX AUDI XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. | XXXX, OH XXXX direct : XXXX phone : XXXX e-mail : XXXXXXXX XXXX XXXX XXXX XXXX XXXX click for map '' After this, I continued to receive bills, but when reaching out to the dealer, I was no longer getting responses. After a few months I had been informed by XXXX that the balance was now in collections, negatively affecting my credit.
Product: Money transfer, virtual currency, or money service

Cash app has been letting unauthorized purchases, bitcoin transfer, cash app pay and XXXX XXXX transactions resulting in thousands of dollars lost over the past 5 years. I was sent something about the lawsuit but when I tried to respond and submit my claim online it would only take me up to the last part but would never actually let me submit my claim. When I called the people incharge of the submissions which was XXXX, I couldn't get intouch with anyone LIVE until AFTER the last day to submit your claim so I'm told I will no longer be able to get any reimbursement at all. This is crazy, I get robbed of my money regularly and then of the chance to get it back .on top of that I was also a victim of identity theft and cant get any type of compinsation for that Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX  Account Number:XXXX This Account is only being displayed on XXXX and no other bureau. I have tried to dispute this account with XXXX but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account NumberXXXX  This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on XXXX but the other two are reporting different information on my credit report
Product: Checking or savings account

I bank with chime who is partnered with XXXX XXXX for chime users to use the atm services for free. I usually withdraw money there everyday after work from XXXX  fee free. On this particular day I decided to put {$620.00} on my account to pay bills and the ATM ended up eating my money. I have been in talks with both banks and the {$620.00} was recovered but my bank ( chime ) wont file a dispute because it doesnt show any money was deposited. Which is correct because the atm ate my money then gave me a receipt saying transaction can not be processed.