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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 120 days of late payments are reporting but I have never been 120 days late. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I'm asking you to verify. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Center Inc. based in XXXX Connecticut has placed two {$250.00} claims on my credit report without contacting me to request payment. Both claims are on behalf of XXXX XXXX XXXX XXXX. I contacted both companies but have not received a response to my inquiry.
Product: Debt collection

We, the consumers, XXXX and XXXX XXXX, received a letter from The XXXX XXXX XXXX  dated XX/XX/2021, stating that we owe Heights Finance Corporation a total of {$1700.00}. We responded on XX/XX/2021 with a validation letter to The XXXX XXXX XXXX which there was no response. We also mailed a debt validation to Heights Finance asking for the original contract, original creditor, as well as all things listed as Exhibit D part 2. Heights Finance responded with a contract that was not affiliated with them, and did not respond to other request that was asked to be presented in Exhiibt D part 2. The contract that Heights Finance mailed to us did not have a signature from Heights Finance. What I did see on the contract about Heights Finance is on Exhibit B, where it states '' This contract may be assigned to HEIGHTS FINANCE CORPORATION ( " Heights '' ). On a letter dated XX/XX/2021 from XXXX XXXX XXXX Exhibit C ), Ms. XXXX states that HEIGHTS FINANCE is the original creditor ( but no signature on contract ). Ms. XXXX also states that, " the provisions of the Fair Debt Collection Practices Act do not apply to us, however to the extent practical and as a reasonable business practice, we attempt to adhere to its provisions. '' The letter from Ms. XXXX XXXX ( Exhibit C ) also states they are not a third party debt collector nor an assignee. Per USC 1692e TITLE 15- This is false and misleading. Per said contract, Exhibit B. We, XXXX XXXX and XXXX XXXX, have also mailed an Affidavit of Truth to HEIGHTS FINANCE, dated XX/XX/2021, ( Exhibit E )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card was fraudulently opened in my name. Fraud report was completed and XXXX XXXX completed. Account was removed from my credit report. Original company then sent fraudulent account balance to collection and that account appears on my credit report.
Product: Debt collection

Macy 's credit card credit collection calls me from XXXX different numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. The phone calls start from each number as early as XXXX and have been harassed by calls 5 times or more a day. I have arranged a payment date and am still being called repeatedly. The charge is for around {$100.00} and have never felt so harassed by a credit company in my life. This is starting to disrupt my personal life by being inundated by calls. One day the Ohio number called me four times in a row.
Product: Payday loan, title loan, or personal loan

My Daughter took out three pay day loans online from three different agencies. One was called XXXX XXXX, In XXXX XXXX, and the third was XXXX XXXX XXXX. She ended up being late on all three accounts. All three online loan companies do not follow the regular mandated rules by the state on which the loan originated. Instead they were all three routed through different reservations and all were charging 7.9% interest daily 2,883.5% interest rates per year. When I called to make restitution's for these loans only one company agreed to take a check from her father. I am a little confused by this, it should not matter who is paying the debt along as the debt is being paid.Would like to see the online lending loan sharking business to follow the state's guidelines where the loan was originated. Hence a Drop Down box on the state. If you are borrowing from XXXX, XXXX, XXXX,etc. They could charge you no more interest than the state would allow. I was sick to my stomach that in America predatory lending practices would be allowed to survive.
Product: Checking or savings account

I got a notification from my XXXX with Marcus by Goldman Sachs on XXXX XXXX XXXX saying that they had closed my account. It is now XX/XX/XXXX, and I still do not have the money in my account. I have reached out to them several times, and they still have not resolved the issue.
Product: Student loan

On XX/XX/2018 at about XXXX PM EST, I spoke with an employee of Navient regarding my past due student loan debt. During that call, I promised to make a payment in the amount of {$590.00} on XX/XX/2018. 

On XX/XX/2018 a Navient employee named XXXX called my mother-in-law and my father regarding my student loan debt. XXXX of Navient disclosed both the existence of my debt and the fact that my account is past due to both of those parties, neither of whom are parties to my Navient loans. Navient has not been authorized to speak to either of these people regarding my account. Furthermore, I specifically instructed Navient in a telephone call on XX/XX/2018 that they were only to speak to my husband or me about my account. Navient has violated my rights under FDCPA sections 805 and 806 by disclosing information to unauthorized third parties. 

At about XXXX PM EST on XX/XX/2018 I spoke to XXXX of Navient regarding the aforementioned FDCPA violations. XXXX asserted that his actions were not in violation of the FDCPA. During that phone call, XXXX of Navient refused to stop recording our conversation after I demanded that he do so and asserted that he was no obligation to end the recording. Navients refusal to cease recording our telephone conversation is in violation of Marylands Wiretapping and Electronic Surveillance Act and I suspect that XXXX misrepresentation about my right not to be recorded is also in violation of the FDCPA. 

Upon XXXX refusal to cease recording our conversation, I spoke to XXXX supervisor at Navient who confirmed that they are indeed aware that such a refusal is a violation of law. He refused to tell me what steps, if any, would be taken to correct this behavior and would not confirm that XXXX would not be rewarded for his practices. 

While speaking with XXXX supervisor, it became clear that the XX/XX/2018 phone call and promise to make a payment was not recorded in XXXX internal system. The supervisor accused me of lying that the XX/XX/XXXX phone call had taken place. This is a clear indication that either Navient is not keeping proper records regarding my account or that Navient has compromised my personal information such that someone outside of Navient was able to contact me with information about my account. Either way, Navient has for a third time ignorined my consumer rights in order to collect this debt. Navient is either negligent in their training and supervision of employees or they are maliciously and willfully breaking the law and violating my rights in order to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting or other personal consumer reports

There are inaccurate and unverified hard inquiries on my credit score
Product: Mortgage

I made XXXX attempts to pay the full balance of the XXXX online through the BMO site. All three times it was rejected, with no explanation as to why. When I called them I was informed that I was not permitted to pay the balance off online. I was told I had XXXX options : XXXX ) Go into a branch ( The closest branch to us is XXXX miles away ) XXXX ) I can pay for a wire transfer ( estimate {$20.00} ) XXXX ) He can take a payment over the phone for {$11.00} fee. 

He then offered to send me a payoff statement. The only options to receive that was for him to postal mail it or to fax it. I do not have an archaic fax machine. 

We requested a payoff amount over the phone so we could send in a check ( which was never suggested by him ) and they were unable to give us that amount. 

Regardless of which option I choose, I am paying a daily APR on my loan or a fee to pay off the loan.

I think BMO needs to be investigated for hidden fees and misrepresentation of their policy of being able to pay off the loan early.
Product: Credit card

Sine XX/XX/XXXX I have been complaining of missing payments. CitiCards closes the complaints and does not investugate. They asked me to trace the money orders and I did to a cost of over {$120.00}. because they insisted they do not have the money orders or provide information. 

Today XX/XX/XXXX, after they repeatedly told me that they do not have the money orders, they posted the transaction they posted 4 money orders with a posting date of XX/XX/XXXX and they refuse to reimburse me my expenses ( ie. the money I paid to trace the money orders they claimed they do not have. ) In addition, they have a money order payment that they collected on XX/XX/XXXX that they refuse to post to my account
Product: Credit reporting or other personal consumer reports

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$380.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXXXXXX XXXX XXXX XXXX. Unfortunately, I had to return the XXXX XXXX about a XXXX later. I had paid XXXXXXXX XXXX payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXXXXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXXXXXX XXXX XXXX account and I never got my refund check for the over payment.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I informed Wayfair that a fraudulent charge was on my card. I told them I did not make the purchase from XXXX XXXX They sent me a letter telling me it was going to be removed from my account and credit report. THEN ANOTHER charge was fraudlent on my account on XXXX XXXX. THEY DID NOT CANCEL CARD! This allowed ongoing identity theft. I disputed it on XXXX XXXX XXXX  and they both came back verified. Citi bank reported the payment as 90 days late on XXXX  They have been informed for over 3 months that this is fraud. This information is the result of identity theft and it has dropped my credit score almost 100 points. I called today and they said they would take care of it. This is the only negative thing on my credit report and it is causing my financial harm. They need to cancel the card and change the account number and fix my credit report to Pays as agreed, NEVER late. I'm sending my third dispute to the bureaus today along with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two companies that trying to get the same money ... XXXX  XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX ... .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.
Product: Mortgage

I have contacted Ditech MANY times about my concerns, but nothing ever gets resolved. 

Every year, they send a XXXX statement to me, and I end up paying taxes on that amount. I have asked them at least seven times where this interest they have supposedly paid me is. Most recently, I asked in XX/XX/2019. I keep getting put off. I got a letter saying they were looking into the matter. Then I got a letter saying they were still looking into it. It's nearly the end ofXX/XX/XXXX, and no one can tell me where this interest they supposedly paid me got credited. 

I have checked my account every month, gone through the escrow, funds applied to the principal balance, etc., but there's no record of my EVER being credited any interest. 

This has been an annual battle, and I'm weary of it. I'm fine paying taxes I owe, but if I'm not getting the interest as Ditech is claiming, I should not be paying taxes on it. 

More recently, when I went to pay off my mortgage ( on XX/XX/XXXX ), I noticed they charged me {$190.00} in late fees even though my mortgage due date is on the first of the month, and they had already processed my XX/XX/XXXX payment. I can't be paying late if I'm 10 days early. 

Both of these issues seem like consumer fraud to me, and I'd like help getting this sorted out. 

Ditech is useless when I call or write. I get a run around and " we're looking into it '' without ever getting resolution.
Product: Checking or savings account

Excuse me ever since ; ( XX/XX/2021? I have tried contacting the company? ( American Exspress Debit Credit Prepaid card? I have tried numerous amounts of times? And still today are not able to view my account balances? Not able to view my transactions? Not being able to make deposits and see them? Enter into my account? I am constantly getting bogus and lame excuses? First of all There never should have ever been a change? Everything that was working from the previous system were working excellent? from stating the previous issues that I stated above? they claim this would be better? Please I have a lot of health conditions that cause me to view my accounts online from balances to transactions ; to withdrawals and Deposits? Let me give you a prime example? Say that you or your significant other were attending numerous amounts of personal business? And every time you had or when you had to contact your? Financial Institution? You were on hold for more than an hour? Each time and you still were not able to settle or get your account settled? And say that you saw bogus charges on your account? Say when you want to view your account balance and transactions ands deposits? and bogus charges? And you were not able to see them for the nine days? And when the bank, or the financial institution? was supposed to notify you of the change? And you find out that you are not able to access your account? For these nine days? Tell me how XXXX? You would be? First of all when you make these changes? the bank or financial institution ; ( American Exspress Debit Credit ; Prepaid card? Was long supposed to have? Made the same changed when they moved supposed to have made sure that customers can view there account balances? There transactions? And other options? And what if you knew that they were? aware of this and did not care? Let me say this? How incompetent you have to be? If you are making changes to yoiur website for no apparent reasons? And you decide that? this would be better for customers? And you found out that the change was not EVER? EVER? necessary to move ever? what was working and never needed change? Come with the change? Incompetence? XXXX XXXX? XXXX? and lack of professional work ethics? and and still you can not access your account and services this day? Know an educated company truly knows what should have taken place? And yet you see incompetence and still are not able to access your online account for ( 9 ) days you tell me how XXXX you would be really?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I applied for a venture x card by capitol one on XX/XX/22. I received an email stating that they needed a copy of my drivers license and a copy of my latest tax return. I uploaded them that day. I received a letter on XX/XX/XXXX reiterating the same information. I called the number provided on the letter to inquire what information they needed. I was told that because I am a stay at home mother that my husband would need to sign a notarized letter stating that he approved of my application. I couldnt believe that this was the case. I reached out to Capitol One on XXXX and they suggested I call the number on the letter again and speak with someone else. I did that, and was told that they needed the back of my drivers license which I provided, then said that I needed to show the name of the third party prparer of our tax return. I said that we had self prepared which was why there was no third party preparer. I got frustrated and asked to speak to a supervisor who when he got on told me that I was going to need the notarized document from my husband. I told him that I had provided proof of our household income but he insisted on having my husband 's notarized signature. We have a household income of XXXX. No mortgage or car loans and a credit score of XXXX. This is offensive and demeaning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Prepaid card

Someone ordered a tablet for XXXX from Macy 's online without my card or Knowledge of authorization.