23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and was approved for {$500.00} credit limit with Citi-Bank for a XXXX gas card in XX/XX/2018. My first statement due date was to be XX/XX/2018. I was unable to access my or set up my profile and or online payment methods till I had to call and be reset and talked through the process. At that time I had set up payment method and made a full payment, paid off my balance on XX/XX/2018. I received a call today XX/XX/2018 in regards to late payment. After looking into it with customer service they had told me my payment was returned the very next day on XX/XX/2018 because a phone number didn't match the banks information. I've been penalized for late payment and fee because of this. I've requested a letter of findings, credited later fees and a copy of my credit report for future credit score discrepancies. I then asked where to go online on their website to visually see the information I had set up to cross reference with my bank and was denied. A lack of due-diligence on Citi-banks side has caused this to escalate. If I would of been contacted in a more reasonable time my payment method would of been corrected, I would of been able to have my payment in on time and I wouldn't be worried about this effecting my credit score or having any delinquencies in regards to this Im unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous " certified letters '' to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding a medical debt collection account- XXXX XXXX XXXX that is not mine! I even submitted a letter from " XXXX XXXX XXXX  '' stating they have no account with me as proof! I have been getting return letters stating my account has been " updated and verified ''. I have asked numerous times for XXXX to provide me with the paperwork and measures they went through during the investigations process to verify this account.??? I know this account is not mine and I have submitted proof numerous times backing my request. For some reason, I keep getting put through this never-ending circle of " verified '' letters that are not actually properly investigated. I'm fed up and want some answers or to provide me with accurate information on this account. I know this is not my account and that is why I have fought so hard to get this off! Not only did XXXX, not investigate my account, but they also updated and verified, and created an entirely new account on my credit report that is the SAME collector. ( XXXX XXXX XXXX ) Now, not only am I fighting XXXX account. NOW THERE ARE XXXX!!! This has to be the most irritating and draining dispute I have ever had to face. I know these accounts are not mine and I am just asking for due diligence to correctly investigate and get these off my credit report as my credit is very important to me. 

Thank you for your time in helping me get past the dang robot on the other end of XXXX.
Product: Checking or savings account

I have an account with Navy Federal Credit Union ( NF ). They would take hours to days to take out my funds when it was used. I would then use my card think I still had enough money, but in all I get hit with an over draft fee and my account would be in the negatives. I paid back the money and spoke with NF to put my account on overdraft protection. Even If my card was frozen, or my fund was in a different account NF would still allow the transaction to go through which caused my account to overdraft as well.
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by Discover Financial Services. This reporting has severely damaged my financial situation. On XXXX, I noticed XXXX new accounts on my credit report that I did not open. I immediately sent notices to Discover Financial Services, requesting them to validate the debts and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Discover Financial Services has not taken any action to remove the debts from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Discover Bank immediately remove the disputed debts from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Discover Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Product: Debt collection

Midland Credit Management Inc, XXXX XXXX CA is trying to collect on a time-barred debt. They are currently violating the federal Fair Debt Collection Practices Act XXXX FDCPA XXXX. Also, They send letters in XXXX to my family. None of us speak XXXX XXXX. I have contacted them, disputed the debt and told them to cease any and all communication and delete my information from their system.
Product: Mortgage

I possessed this vacant property at XXXX XXXX XXXX XXXX, XXXX Florida XXXX by way of Adverse possession which all the paperwork was properly filed at XXXX XXXX of XXXX XXXX XXXX office the day of XXXX XXXX. Also Recorded at XXXX XXXX recording office. The home went into foreclosure the very next month. Then put up for Auction and sold XX/XX/2022. Apparently, the courts nor the auction winners knew anything about a possession claim, that had been properly filed, until the auction winner, picked the locks to the property and entered, a few days after the auction. I showed the sheriff, the locksmith and XXXX XXXX XXXX ( auction winner ) the Possession of Adverse claim paperwork and asked them to leave. Shortly after, XXXX XXXX contacted me and advised that he would file a " unlawful detainer '' upon me. The property was served the paper work twice, once with the words XXXX XXXX which i returned the first time back to the courts, and a second time in a envelope which i also returned. I was never given any notice of a default hearing or notice which is a violation of Civil Due Process. A eviction noticed was put on the door of the property with an offer to evict from the house in two days. This occurred on XX/XX/2022. I wrote to the courts for them to prove that the whole foreclosure was NOT fraud and That Bank of America even had the right or consent to foreclose on the home with the company NOT being the original lender NOR having any consent or transferred rights, seeing that the original home owner was deceased which i did try in contact but no luck. On XX/XX/2022 at XXXX, Six Sheriff Deputies entered the property with weapons drawn yelling for me put my hands up. I am now XXXX and the XXXX kids i have custody of have no place to go. They are ages XXXX, XXXX and XXXX. The property has been transferred in my name and reads as the current owner " XXXX which is a XXXX im the registered agent of. This is also recorded in the recording office of XXXX XXXX. Bank of America, NEVER had consent to foreclose on this home in the first place. I too, have, also sent XXXX XXXX, a Monetary instrument of {$210000.00} that i counter offered him for the property to stay in honor, which has never returned to me. By Florida statue law 673.6031 if Tender of Payment is refused, then the debt is DISCHARGED. I also properly sent him a letter 3 different times as proper for administrative process and He has never responded. I filed a motion for " Emergency motion to Re-enter '' and there isn't a hearing until XX/XX/2022. All my belongings, my kids things, memories, their and my clothes and other important documents including motorcycles and lawn equipment are still there. My kids and i have no place to go please help us, this is FRAUD and Bank of America needs to be held responsible. I had electricity, internet and security camera all set up and now all of that has been taken away from us. Thank You, God Bless You.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am attempting to get my credit report which I'm entitled to by law. CertiphiXXXX XXXX XXXX refuses to provide my personal information. I need to see if there is any fraudulent information in my name.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to report fraudulent and inaccurate reporting by XXXX XXXX XXXX XXXX regarding an account originally charged off by XXXX XXXX The account in question is : Account Number : XXXX This account was charged off by XXXXXXXX XXXX which took a tax benefit for the loss and then sold the account. I have no contractual obligation to XXXX XXXX XXXX XXXX, and I do not recognize this debt as valid. Therefore, their continued reporting of this account as a debt owed by me constitutes fraud and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : The original creditor, XXXX XXXX, discharged this debt through a charge-off and subsequently received a tax benefit. 
XXXX XXXX XXXX XXXX has failed to provide any documentation proving that this debt is valid or that they have a legal right to collect or report it.

The information being reported does not comply with the accuracy and completeness standards required by the FCRA and Metro 2 guidelines.

Applicable Violations : FCRA 1681s-2 ( b ) : XXXX XXXX XXXX XXXX has failed to investigate my dispute and provide evidence to substantiate the debt.

FCRA 1681e ( b ) : The reporting of this account is inaccurate, unverifiable, and incomplete.

Metro 2 Compliance Standards : The data furnished by XXXX XXXX XXXX XXXX does not meet the required formatting or validation standards. 
Requested Resolution : Investigate XXXX XXXX XXXXXXXX XXXX reporting practices, including their compliance with the FCRA and Metro 2 guidelines.

Require XXXX XXXX XXXX XXXX to provide clear and verifiable documentation of their legal right to collect and report this debt.

If verification can not be provided, direct all credit reporting agencies to delete this account from my credit report.

Provide me with the results of your investigation and details of the actions taken to resolve this matter.

The inaccurate and fraudulent reporting of this account has caused me significant harm, including damage to my credit score and the denial of credit opportunities. I respectfully request your immediate attention to this matter to ensure that my consumer rights are protected.
Product: Mortgage

Ever since The Money Source which potray 's themselves as a mortgage servicer when all they are is a debt collection company aquired my FHA mortgage I have had nothing but problems, harrassing phone calls, harrassing letters and Unauthorized Interest, FEES or CHARGES to my Home Mortgage loan. The Money Source can not explain the FEE 's and CHARGE 's they have charged me over the period of time they have had my mortgage. I have contacted their Customer Careologist as they call themselves requesting coipes of the so called " Property Inspection reports '' they have charged me for, I have requested coipes of the " Survey 's " they say they have had done and i have been charged for, i have requested copies of the Vacant Property Registration they charged me for and questioned why they did that when I live on my property, I have questioned the charges for XXXX XXXX charge and the XXXX XXXX XXXX charge. They cant Explain all of the charges and fees and they refuse to give me copies of what they are charging me for, or even explain themselves. They claim these fees and charges are corporate advances. I have requested a copy of my Loan Contract where it shows these Fees and Charges maybe possible but they refuse. The Inspections they claim to be having done they are charging me {$20.00} each time here are the dates i have XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I was charged {$180.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and so far XX/XX/XXXX this totals upto {$460.00} in charges. The Surveys they claim to have had done they have charged me {$35.00} each on the following datesXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which has costed me an additional {$210.00} in fees then to add to it the XXXXXXXX XXXX on XXXX/XXXX i was charged {$290.00} the XXXX XXXX on XX/XX/XXXX i was charged {$24.00} and the Vacant Property Registration which is a complete lie by The Money Source on XX/XX/XXXX i was charged {$25.00} all these false anfd FAKE charges and Fees total so far up to {$1000.00} in unexplained and Unauthorized FEE 's and CHARGE 's. Also instead of The Money Source Paying my Homeowners Property Insurance out of my ESCROW like they are suppoed to be doing they took it upon themselves to not PAY my Homeowners Insurance and let it LAPSE so they could place their own policy on file at a cost of double what my policy was that i had ever since I first got the home. The Money Souce Charged me {$2100.00} for their policy and never informed me of them placing it on my home, nor did they ever inform me that they DID NOT Pay my Homeowners Policy causing it to LAPSE. My original cost for Insurance was {$1100.00} per year when they DID NOT pay the renewal my policy went up to {$1600.00} that is an increase of {$510.00} every year. they were also supposed to " reimburse me the {$2100.00} for the policy they had taken out with out my knowledge or concent but they didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through XXXX XXXX XXXXXXXX XXXX, that was not reported on the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called NMAC on XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the NMAC agent, telling me everything was setup. Note that I had granted NMAC to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted NMAC to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before NMAC reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XXXX XXXX, I found my credit score has been ruined by NMACs mistake. I contacted NMAC on XXXX XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted NMAC again for the update of the result. The agent told me NMAC decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as NMAC did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since NMAC refused to resolve the issue, I filed a complaint in XXXX  and received NMACs response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like NMAC to ruin a persons credit score and refused to correct their error. 

The NMAC misbehaviours ( 1 ) I got confirmations from NMACs agents multiple times ( XXXX XXXX XXXX and XX/XX/XXXX ) about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) NMAC got sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If NMAC had trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) NMAC reported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) NMAC refused to correct their mistake on my report ( 5 ) NMAC refused my call brutally to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft because no one seems to care that I want to dispute specific records in my credit file that do not belong to me, the items I am disputing have nothing to do with my transactions whatsoever. 

Please block these items : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

Capital One has refused to let me verify my identity and close my savings account. They have also locked me out of my online banking saying i had to many log in attempts. I have been to multiple capital one cafe 's to verify my Identity and i have uploaded my ID multiple times. I just want my savings account closed and the remaining funds sent to my address on file in the form of a check. This has been going on for over 4 months and i just want my money.
Product: Checking or savings account

Someone opened a checking and saving account with all my information and i didn't do it
Product: Vehicle loan or lease

MY HUSBAND GOT A XXXX  XXXX WHICH DUE TO AN ACCIDENT WAS TOTALLY LOST, THE INSURANCE PAID EVERYTHING HOWEVER WE RECEIVED A LETTER THAT WE HAD TO PAY {$1000.00} AND FOR THE WRONG INFORMATION WE BOUGHT ANOTHER VEHICLE GIVING A DOWN PAYMENT WHEN WE WERE COVERED, REPORTED THE XXXX AS WE WERE LATE WE PAID THE XXXX AND IT WAS STILL REFLECTED WHEN THE PERSON AT XXXX CREDIT  INFORMED US THAT IT WOULD NOT BE REFLECTED IN MY CREDIT BECAUSE IT WAS AN ADMI ERROR ...
Product: Debt collection

the following excerpt are from emails from the debt collector : Hello, Sir I think that was rude for you to hang up on me I was only trying to help you good luck. 
XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I did not hang up on you I am in a federal building and I do not get service in my office. 
Respectfully, XXXX XXXX. XXXX, XXXX You are calling me while I am at work also I am on Pacific standard time as I live in California XXXX you understand we have not heard from you since 3 years ago XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I will still have to contact dfas if this is n't paid. 
XXXX XXXX Account Representative if I do n't have the payment back on your account I will have to forward your account back to my legal department to start paper work please respond. 
XXXX XXXX Account Representative
Product: Credit card or prepaid card

I have over XXXX disputes with Cash App that never gets answered over XXXX unauthorized transactions with police reports and I still havent receive the money back.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Continental Finance Company whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

had account with   XXXX   XXXX   in   XXXX   XXXX   florida arou nd 2013. close d the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my   XXXX   and credit report just with the last two months. I do not have my old account number. want it removed immediately
Product: Debt collection

I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
Product: Debt collection

We received a call from a debt collection company, XXXX XXXX XXXX, which stated that I owed an overdraft balance from TD bank. I wanted to receive documentation that validated my debt and the representative refused to answer my questions and would constantly over talk me. She stated that I did not need to have her name and was questioning why I had not paid my debt and that it would be reported to the credit reporting agency. She told me that the call was being recorded and I stressed that I would not validate any information until I received a validation of debt letter, which she refused to answer.
Product: Checking or savings account

Good day : After waiting 3 months of unemployment payment. I was finally deposited. On XXXX XXXX. On the same day I made a couple of payments and Transfer some money to my wife 's account. 
Minutes later my account was frozen. When I call customer service for help. 
They told me that there's suspicious activity. They ask me for my personal information regarding the bank account. 
After that they told me that my account was close. They didn't explain why? and that they were going to send me a check for the entire balance in about 10 days. 
After 2 weeks of waiting for a check. I call back and told me the same thing. 
" To wait another 10 days ''. 
It was 2 months when they finally ask me for my proof of unemployment. 
I went to a branch and gave them the Paperwork. They image the paperwork and save it. A very kind lady help me and told me in 5 or 7  days my account will be re-established. If not to call back the online support. 
Since then every week all I hear Its keep waiting. 
Now It's the 3rd Month. 
Thank you.