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

The account in question has been disputed several times and XXXX XXXX XXXX has verified to Equifax that the account is accurate, XXXX XXXX XXXX  has failed to provide me with documents that I requested several months ago. This issue has been very inconvenient to deal with as no documentation has been provided to me. To this day the account continues to be reporting to my credit report. I would like Equifax to provide me all documents showing my signature on them showing me that I indeed have a debt with the collection agency claiming that I owe. If Equifax can not provide me with a signature documents, I request that the account be permanently deleted from my credit report. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization.

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App XXXX  509.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect this alleged debt. Coppola v. Arrow Financial Services, 302CV577, XXXX WL 32173704 ( D. Conn., XXXX XXXX  - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 
As Im sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be aware that in TWYLA BOATLEY, Plaintiff, vs DIEM CORPORTATION, No. CIV 030762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONAXXXX XXXX the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA
Product: Mortgage

I have had a mortgage with Guaranteed Rate for approximately 2 years when I decided to transition from automatic monthly payments to paying twice weekly ( thereby reducing the lifetime of the loan ). Guaranteed Rate calls that program their Flex Draft Program, so I spoke with their customer service to get the necessary paperwork. Of course, they make the process a bit difficult because they don't want people to pay off their loans quicker, but that's no big deal. I had to sign some documents hard-copy and ship them back to Guaranteed Rate 's offices. ( For what it's worth, I'm US military stationed in XXXX, XXXX, so mail can take a little while ). 

The agreement clearly stated that my Flex Draft Program would take affect in the month after they received my signed documents. Based on the chat transcript I have attached, Gauranteed Rate recognizes that my documents arrived on XXXX XXXX. Therefore, my Flex Draft Program should have started in XXXX ( as indicated in the attached Confirmation letter ). Enrollment in the Flex Draft Program additionally requires that the Automatic Payments system be turned off, which I did. I then dutifully waited for the Flex Draft Payments to kick in throughout XXXX. They did not, but I didn't want to make a manual payment and risk messing up their system. 

Instead, early XXXX rolls around and I am immediately hit with a late payment notice. I've never made a late payment on anything, ever, in my life, and I had more than enough money to make the payment ( I can provide bank statements to prove that, but it seemed weird to attach those to an automated, unencrypted system ). Guaranteed Rate is the one whose system failed to activate and make the appropriate payments. But my credit has now taken a significant hit ( see attached credit report ), which I feel is entirely unjust. 

I have contacted Guaranteed Rate, and their position is that their hands are tied. The payment was late ( even though it was their fault ) and they are bound by law to report that to the credit agencies. It's obviously very frustrating to me that I have this delinquent payment on my record when I did everything I should have in order to make the payment. I have since sent about 3-4 continued messages to Guaranteed Rate but have not received any correspondence or replies from them since XXXX ( see attached screenshots of inbox and outbox on their servicing portal ). They've essentially stopped answering my inquiries ( calling during business hours is tough for me due to my location and time zone ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, Equifax and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated.

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses.

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!
Product: Bank account or service

About two years ago I cashed in a CD that I had with Bank of America. It was relatively small, around {$5000.00}. Being fairly poor though it was my life savings. I understood that by cashing in early I would lose the interest earned. That was what I agreed to when I set up the CD. My son had found a one time opportunity to buy something that he could almost immediately resell at substantial profit. I told him to spend the {$2000.00} he had on the goods and that I would replace the money from my CD. Once he spent his money it was critical that I follow through and reimburse him so I no longer had any choice on cashing in. When I ended the CD I was stunned that the bank penalized me over {$300.00} for the early withdrawal. The total earned interest was under {$60.00}. I was told that the bank had unilaterally changed the terms and was now penalizing me based on principal, not interest. I reminded them that I had never agreed to change the terms. They said they had sent notice but I never got one. I read correspondence from the banks when it concerns my money. I absolutely never received or agreed to this change in our agreement. I wrote XXXX letters to B of A about this and never received a response. In anger I closed my accounts with B of A and moved them to a locally owned bank. When I told them about being charged over {$300.00} for cashing in my CD in the XXXX month of a XXXX month term they said I had to be mistaken, no bank would do that. While I waited they called B of A and were stunned to find out that it was in fact true. Since that time I had to cash in CD with the new bank when my mother got sick and I had to travel to visit her. My new bank also had to penalize me for early withdrawal from a CD of the same amount. In this case it was XXXX months early. Their fee was XXXX. Yes XXXX. XXXX of the fee charged by B of A. That bank robbed me as surely as if they mugged me on the street. I 'm XXXX and live in poverty on Social Security XXXX. Please get my {$300.00} back from those heartless thieves at B of A.
Product: Checking or savings account

Dear Sir/Ma, To whom it may concern, I am filing this complaint about Chase bank, They restricted my account on XX/XX/20 and debited my account on XX/XX/20 with the sum of {$8400.00}. due to the check that i received from a customer. the check was never cleared, in addition to unavailable fund, Chase debited the aforementioned amount from my account and refused to release my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. Equifaxs phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
Product: Debt collection

Back in XX/XX/2018 i wrote a letter to Comenity Capital Bank stating that they are reporting on my credit report a debt that i do not owe. They sent me a letter back stating that the debt was mines and they cant update my records reflecting that i do not owe this company. The are stating that i owe them {$2900.00} which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off loan XX/XX/2021. New Rez/ shellpoint is now reporting that the account is paid but that the account is 120 days late. I have never been 120 days late. 

Shellpoint was contacted XXXX and they said it will take up to 90 days to correct. I need this fixed ASAP as Im trying to arrange financing for a property I have in contract now.
Product: Student loan

I have paid my student loans off when I worked for a Fortune 500 company. But received collection letters for student loans I asked for proof of loan signatures and discovered that they had included with my SS # loans for {$11000.00} and over for someone with just my same initials but clearly not my name. I sent information to the Federal Student Aid in XXXX, Georgia, but I believe that the information I sent did not reach them but was intercepted because I never received a response to my dispute of these charges. My payroll check has been garnished unfairly for someone else 's debt. I can not afford to pay for anyone else dept. I have proof that this was added put am still over a year later paying from each check over {$160.00}. Please help me to resolve this once and for all. 
I have had a lot to take care of and have let this slide because I can not deal with all of this and try to function daily. I recently lost my mom whom I was the primary caregiver. 
I have tried to deal with this when I was in a tempory position but still, this position only pays {$15.00} hours. Help me to get this garnishment stopped..
Product: Credit reporting or other personal consumer reports

Im trying to fix my credit and today Diversified Adjustment service / XXXX  are reporting a debt thats not mines nor have any knowledge of debt/account. I contact them both to get information and to inform them this debt/account is fraudulent. They both mentioned to contact the other, I just want this account deleted and removed immediately. According to the 15 U.S.C 1681 law there shouldnt be any damages on my report, its a defamation to my character.
Product: Debt collection

This letter is in response to your recent investigation concerning account : Portfolio XXXX. You are reporting date last active XX/XX/XXXX. XXXX is reporting different account number # XXXX and last active date XX/XX/XXXX. I would like to validate inaccuracy. If no validation Immediately remove account from my credit. 
Yet again, you failed to provide with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As you should be aware that a printout of a bill or itemized document does not constitute verification. 
Your are reporting : inaccurate date of last activity inaccurate date of last updated late pay after account was closed a charge off listed as open duplicate accounts with different account types I am formally requesting to immediately DELETE this account for inaccuracy.
Product: Checking or savings account

I try making a purchase online after speaking to a customer service rep.who directed me to do so, since they do not do phone orders ( The company name is XXXX, ) tel # XXXX.My purchase did not go thru and I was prompted to try again, I tried the purchase a second time when then it was successful ( The items purchased was a package on sale, which is a 330 watts power station and 100 watts solar panel, that cost {$390.00} with insurance of {$12.00}. to total $ XXXX purchase was made on XX/XX/XXXX around XXXX XXXX. 
I receive a text and an email from my bank ( WSFS on the same day around XXXX XXXX I responded to both first the text and the email. The email from my Bank ( XXXX ) states that there were ( 5 ) items purchased between XX/XX/XXXX to XX/XX/XXXX ( 2 ) Two of the items stated was two purchases from XXXX for ( {$400.00} each ) In that email I was asked to click one of the two statements asked, One asked ( All transaction ( s ) Authorized and the other ( One or More Transactions ( s ) NOT Authorized I clicked on - '' One or More Transactions NOT Authorized " I also called the Bank and spoke to a supervisor, who agreed to place a dispute on the one item, I also contacted the Merchant Rockpals that evening around XXXX XXXX Delaware time, I left a message as there was no one to answer, I called back on XX/XX/XXXX and I spoke to CSR who again confirmed that there is only one order, I followed up with the bank on XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX to learn I was charged again overdrawn fees, ad the bank said they will refund those fees, however I must make a deposit to cover the overdrawn amount, until the dispute is resolve, which can take from ten to thirty days. 
I made a Payment to the IRS after I Transfer the amount need to cover the payment, the bank inform me today, I will be charged if I dont deposit money in the account. I will be filing a complaint against the merchant with the FTC. I have no issues with my Bank, other than not resolving this matter quickly, since they were the one who realize that the transaction, was not authorize, and also with me ( XXXX XXXX, responding the same day via email and telephone calls speaking with two supervisors, ( Supervisor XXXX is the one who is handling this matter )
Product: Checking or savings account

Dear Bank of America , N.A . and Consumer Financial Protection Bureau : I have exhausted all my remedies in trying to contact this person that I don't know by the name listed in the transaction dated XX/XX/2022 to someone XXXX, XXXX. 

I was told that this person by name such as XXXX XXXX is associated with a XXXX XXXX XXXX. I attempted to set up such a contribution on my cell phone and my phone locked up sending out the payment without my full approval or authorization. 

Now that since such an account such funds are within the Bank of America , N.A . and such attempts were requested that Bank of America , N.A . return such funds before having to contact XXXX. 

As of this date, I have notified Bank of America , N.A . to return such funds back to my account. Bank of America , N.A . has failed to honor my request after several attempts to get the transfer reversed so that I can donate such funds to the XXXX organization myself without going through XXXX... 

I would greatly appreciate it if Bank of America will administrate a forced return on such an account and question such a recipient to show proof of why such a person is entitled to these funds. 

I don't participate in XXXX and will greatly appreciate a return back to my account and bringing my account current with a reversal of {$250.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXX XXXX  : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$31000.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/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 als o states a consumer reporting agency can not furnish an 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

XXXX XXXX { XXXX XXXX XXXX, XXXX XXXX  XXXX { XXXX } XXXX : XX/XX/1995 XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Experian Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : { XXXX XXXX } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 16811 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Account name : XXXX XXXX Account number : XXXX...
Product: Credit reporting or other personal consumer reports

This is a follow up complaint from XX/XX/year> complaint number XXXX Due to my identity theft/ breach of identity over 18 times within 3 years, I noticed that XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX were deleted. But I also noticed that XXXX XXXX  XXXX and XXXX XXXX were not. Once again these are accounts that I do not recognize as a result of my identity being breached. I do not recognize these accounts and I would like them removed from my credit report immediately.
Product: Checking or savings account

I notified TD bank in XX/XX/XXXX or XX/XX/XXXX that the account that was showing in collections on my credit report was n't mine. They did an ach withdrawal from my XXXX XXXX XXXX checking account in XX/XX/XXXX and I had to close the account for fraud. They took information for me. I thought this was corrected but apparently not. I opened a XXXX letter this morning at XXXX XXXX and saw this same account. Along with an address that I have never lived at. I called 2 times this morning. XXXX transferred me to recovery to which the lady hung up on me and I asked for a manager several times. I called and got XXXX who I told right away that I wanted a manager and she proceed to try and blow me off and then finally says wow and put the phone on hold because she thought I was going to hang up. I explained the situation to XXXX who said that she would get a manager in the correct department which she did n't. I got XXXX and asked if she was a manger and she said no and refused several times to give me a manager and she hung up as well. Both the recovery lady and XXXX  were made aware that I was going to file a complaint on TD bank with the cpfb. If they told me they had everything they needed years ago why is this issue still not resolved?
Product: Credit reporting or other personal consumer reports

XX/XX/year> I requested to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor with a copy of the written agreement that created my original requirement to pay. A copy of the last billing statement sent to me by the original creditor. I also requested to state the amount of the debt when the collection agency obtained it, and when that was. 

This was sent on XX/XX/year> via mail. No response received.
Product: Credit card

I logged in to pay my Care Credit ( XXXX ) credit card. My balance was XXXX and some how a XXXX interest balance was tacked on. I spoke with a representative who stated that my XXXX interest promotion was over and there is now a charge of XXXX dollars. I explained this doesnt make sense, how am I going to be charged XXXX on a XXXX dollar balance. He said the interest was for the entire balance of XXXX from XXXX of XXXX. I started this is ridiculous, I not paying interest on a balance that I dont owe. He said the promotion interest ended on XX/XX/XXXX. If I pay the XXXX balance then he could wave the XXXX interest fee. 
I ended up paying the balance, and e said it would take XXXX to XXXX XXXX  for my account to clear. I did pay the balance and will be closing this card.
Product: Credit reporting

Transunion has re-inserted a collection from XXXX that was deleted months ago. XXXX Debt is now the handler of it This debt was deleted 2x last year already.
Product: Debt collection

I did not open the original account. I filled a dispute with Portfolio Recovery in XXXX 2014. They are still trying to collect on this debt and reporting it on my credit report.
Product: Student loan

The school was non credited and was shut down. I tried to get my loans refinanced and then forgiven. The lender first told me that was not an option and I can do an IBR form. I found out in XXXX that because the school was shut down that I did qualify for a grievance which I put in XX/XX/XXXX. My interest rate continue to go up with no way of me repaying it. I have been dealing with this from the lender since XX/XX/XXXX. I have pleaded to get information on how to help lower my interest rate that keep accumulating. I also ask are there efficient payment plans that will help me get out of debt. They instructed me to go back to school, which created more debt. I owe over {$65000.00} in student loans, which I have no way to repay them and no credit left to purchase a home. I am asking for answer and help on what I should do now. I am a single parent living in public housing struggling to live a balanced life in this economy.