23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

after sending multiple certified letters to ad astra and filing complaints XXXX and XXXX, ad astra asked me to go onto the ftc id theft website and send them a copy of this to get the tradeline removed. I have done this and sent them a certified letter that was signed for on XX/XX/XXXX. This still has not been done, even though i have done what they have asked. Ad astra continues to work in bad faith by not honoring what they said they would do. I have never done anything with this company.. i do not have a signed contract with this company nor do i owe this company any money. this is a BAD DEBT
Product: Credit reporting or other personal consumer reports

I filed XXXX complaints against Transunion, XXXX and XXXX for XXXX  and for intentionally keeping my credit score low. These complaints are still in progress. I believe that Transunion may have intentionally lowered my credit score by XXXX points today as a possible retaliation for me filing these XXXX previous complaints with you and am requesting an investigation into my complaints.
Product: Debt collection

Due to overwhelmed hardship I can't pay what is owed.
Product: Mortgage

attached is the document I received from XXXX, a dba of XXXX XXXX which is the real owner of the loan at issue here. 

XXXX XXXX, XXXX represents XXXX XXXX, a corrupt organization that is being used to steal the property of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

There has been no evidence provided to show any proof of a sale. A cash offer was submitted but even that has not been proven. No trace of where the money started or ended. the auction.com site was deleted and there is no evidence to even show there was a legitimate sale took place EVER. 

A couple people showed up at my home insisting that I evict from my residence. Not happening. 

As far as the CFPB is concerned, like I said, your job is to protect the consumer. stick to your job and stay out of deciding when I should file a complaint. I've done my job, now you do yours. PROTECT- do you need help on that term?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX
Product: Credit card

synchrony writes me chgs on my acct were compromised, sends new cr with same acct #, doesnt tk chgs off my cct,
Product: Credit reporting or other personal consumer reports

I reached out to the company about late payments that they filed. Representative stated that he didn't see any late charges on the account via text message. I informed representative incorrect information was reported to the credit bureau 's. Representative stated he didn't see any late charges on the account. I requested documentation to be sent to my email, Representative refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX last XXXX XXXX  Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. 
This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$8200.00} Open balance XXXX XXXX XXXX Original creditor Report info XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

I have a lot of hard inquiries in my credit report I don't recognize them I have 14 I only know 3 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Product: Mortgage

On XX/XX/2022, at XXXX am, I received a call from Rocket Mortgage ( also known as Quicken Loans ). They are the holders of my current mortgage, and they said that I could refinance, that way I could take money out to pay off my credit card debit. I was asked how much I paid for the unit which I told him that it was around {$210000.00} and I was also asked if I knew what the current sale price on my unit. I told him I did not know so we both went on to XXXX and it came up to {$280000.00}. He said that was good. I talked with them for XXXX minutes, where they went through the whole refinancing process. We even went through the breakdown on my credit card bills. They gave me all the figures of what my new mortgage payment would be and how much extra cash I would have after I paid off my debt. They went through the entire process of the refinance even telling me that I qualified for the refinance without a home inspection. When they got into the final piece of the mortgage Application, they said they had a series of questions which I was not obligated to really answer. But after qualifying I did not see a problem with answering. There was XXXX specific question about XXXX. Some of the questions was XXXX  XXXX, XXXX, XXXX, XXXX, or XXXX XXXX. I answered that I was XXXX XXXX. After I answer the question, he suddenly says something like oh I will be right back, I made an error in your application. He comes back and says oh I forgot to put in the unit number then everything changed. First, when we started this process, I gave them my address which included the unit number. My current mortgage is with Rocket Mortgage, so they had my address and unit number already. According to Rocket Mortgage I still qualify but for less. Just a fraction of what he quoted me. At that point I was suspicious, and I was angry because if I had not said XXXX XXXX, I am quite sure there would not have been an issue. I was discriminated against by Rocket Mortgage.
Product: Credit reporting 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 Experian and Transunion 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  XXXX Balance Owed : {$35000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$35000.00}
Product: Mortgage

I have received no written communication from Midland Mortgage or their attorney about foreclosure of my home, prior to a non related 3rd party arriving at my house XX/XX/2022 telling me I was in foreclosure and asking to buy the house. I assured him there was an error as I had spoken to the bank a few days prior about a modification, as I had the HAF funds applied to my account and have been approved for a COVID loan modification. He told me a title company gave him the info. To date, no one with Midland Mortgage or their foreclosure attorney office has been able to provide any confirmation i received any information from them and have told me they mailed it. When asked if there were any signatures or certified documents, I was told no, they mailed them 1st Class and referred to the attorney. After explaining to the foreclosure attorney ( I had to contact Midland to get the information for the attorney as, again, I had and still have no info ) the situation on XX/XX/2022, I was told that they mailed it, and told by her I received it. When I asked how she knew I received it, she said because they mailed it. When I asked about proof, she told me to get an attorney and hung up. Within an hour of thqt exchange, a man arrived and taped a photocopy of the trustee deed of sale on my door, took a picture and left. He didn't ring the doorbell.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date.

System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am being charged overdraft fees ( NSF ) when my checking account is still in the positive. 

On multi days in XXXX of XXXX. 

On XXXX XXXX, XXXX, XXXX. 

Each time my account goes less than {$38.00}, BBVA Compass applied a NSF Fee of {$38.00} making my account negative then they charge additional NSF fees for all other transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT XXXX & TRANSUNION   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

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 # XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We are filing our complaint against Prestige Financial based on FDCP act section XXXX Harassment or abuseWe personally spoke with XXXX XXXX on XXXX advising XXXX of payment on account # XXXX along with advising XXXX XXXX at the time of the call we were at a doctors appointment ( physician was at bedside ) and requested to end the call. Prestige Financial then proceed to call us directly back twice more just seconds/minutes after already speaking with us. On XXXX/XXXX/2015 Prestige Financial ( XXXX XXXX called XXXX and spoke with him advising payment would be made on XXXX/XXXX/2015 my XXXX and the remaining balance would be paid once XXXX receives his VA XXXX payment on XXXX/XXXX/2015. Directly after speaking with XXXX Prestige Financial XXXX XXXX XXXX then proceeds to call XXXX regarding payment that had already be discussed with XXXX just a few minutes prior!! Prestige XXXX XXXX XXXX leaves voicemail providing detailed account information having not confirmed if the voicemail was indeed XXXX active voicemail. 

Payment was made on the account as stated my XXXX on XXXX/XXXX/2015 via XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 XXXX receives voicemail once again from Prestige Financial XXXX XXXX XXXX requesting payment on the account which had already been discussed less than 24 hours ago! This is not the 1st time such calling methods/practices has been demonstrated by Prestige Financial. 

We have asked that all future communications from Prestige Financial to us be sent via email only.
Product: Money transfer, virtual currency, or money service

After i've filed a complaint about coinbase for compromising my account that had more than XXXX XXXX woth of money on it and ignoring me for 2 years! 
Coinbase responded to that complaint claiming that they did provid me with specific instructions in a new case ( Case # XXXX ) to regain access to my account, while in reality they are still closing all my tickets that i send to the support ... 
i'm requesting help and beggin them cause i really need those money as soon as possible, but they still just ignore my case, and taking over my account and my money that is leagaly mine by all means!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a CFPB complaint to request an investigation and correction of the listed account, which appears to be incomplete and inaccurate on my credit report, as provided for by the Fair Credit Reporting Act. The account in question is with XXXX XXXX with the account number XXXX, and a balance of {$0.00}. I urgently require confirmation of the current status of this account. I have reason to believe that the information being reported is incorrect, as it does not match with my own records. Therefore, I am requesting a thorough investigation and prompt correction of any inaccuracies to ensure that the information on my credit report is legally and lawfully accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely maintaining XXXX falsely and fraudulently reported accounts that are damaging my credit every day and making it hard to acquire credit. 

Every day this fraud is reported my credit is falsely damaged. 

This is banking fraud, reporting fraud and credit reporting fraud. 

My XXXX account has been canceled because of XXXX  and fraud, due to the fraud on my reporting and this is a problem as well.
Product: Vehicle loan or lease

As previously reported. I have sent documents to Santander Consumer for the money owed to myself. I have called and got no where with them to receive the payment they mention. I have sent the information they requested to their legal department and still have gotten no where.
Product: Debt collection

On XX/XX/XXXX I received the first and only notice from XXXX XXXX XXXX services stating an offer of settlement option to resolve the account balance only valid for 30 days from date of XX/XX/XXXX. Settle the balance of {$340.00} by making a one time payment of {$200.00} in 30 days. XXXX XXXX XXXX XXXXbalance {$340.00} serv date XX/XX/XXXX. As this was the first and only notification of debt, I called XXXX for information on what was owed and why. I was told they have no information on what was owed or why they are only the collection agency and could not help me. Being a medical Bill I called XXXX XXXX which is an umbrella health care in my area. they had no record of me what so ever of me owing any bill. I called XXXX back and informed them of this information, they informed me it did not matter I still owed the money, and it was not XXXX XXXX it was XXXX XXXX XXXX, I aked to speak to a supervisor and was diverted to voice mail. Upon calling XXXX they have no record of me owing them anything and since XXXX says what I owed was from XX/XX/XXXX XXXX   informed me I did not start with them until XX/XX/XXXX and gave me some helpful advice to ask XXXX. I called XXXX for the third time and informed them of what I had learned, they said they didn't know anything about that and I still owed them the money. I asked for 3 things, 1. written official validation notice. 2. Proof of XXXX license number. 3. What state of license number and physical address as a PO Box is a red flag. I was refused this information and diverted to a supervisor voice mail. That was my last contact with XXXX and am asking what I should do next. I am willing to pay a debt that I may owe, but I need information on what the debt pertains too, not just that I owe it period with out giving me any information as what the debt is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I are XXXX XXXX and we could only have one medical insurance policy and since I was employed first the families medical coverage went under me. However, I am only responsible for any of my children medical debt because I have to sign a HIPPA document authorizing me as the responsible party. My ex-husband had some XXXX XXXX done and had to open an Synchrony Bank Care Credit account to pay of his XXXX bill. I did not sign for any XXXX  plan or Synchrony. He was not responsible paying his bill and it went on my credit. I pay my debt and was not associated with that. Later, my son had XXXX and I opened a Synchrony Bank Care Credit account to pay for his XXXX and I did as I do, paid my debt off. My account for my son is that I opened has account number XXXX **** **** XXXX. My ex-husband 's account under XXXX XXXX is XXXX **** **** XXXX. I have wrote several letter requesting that this be removed from XXXX Credit Report or the late payments but no success. When we got our divorce decree it was stated that and mentioned that his debt be resolved by him. This was a finding decreed by a judge and should be honored. I pay my debt and his debt is his debt. I wrote XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. At the time he had the account we lived together in my home but I do not know his current address.
Product: Debt collection

I've have been dealing with Augusta Collection Agency Inc.. for awhile. I understand that the debt is mine and I am willing to pay it but I feel like I'm being treated very poorly and unfair. I have call them to try and settlement the debt in full but they refused, the sued me and did not properly informed me because I was living out of state and could not make it to the court date being that it was 3 hours drive to get there. I've asked multiple times to resend me paper and/or information and their response was that they already sent me paper and that they don't have to if they don't want too. they threaten to ruin my credit and that they will sue me again. They are very unprofessional in how they talk to me and they don't care about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to XXXX years in prison, in addition to civil liability. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a dispute to Chexsystems regarding some errors I discovered on my report. They came back today, a day after I submitted my dispute saying the investigation was frivolous and won't investigate. That I need to tell them what's wrong in the report. This is not my job. They're job is to make sure ALL THE INFORMATION ON MY REPORT IS XXXX XXXX ACCURATE. Reporting inaccurate information is a violation of my rights. 

I demand the following account to be investigated and verified. If not, it has to be delete immediately from my report. 

Source : XXXX XXXX XXXX XXXX XXXX : Transactions involving POSSIBLY altered items or checks. 
Reported name : XXXX XXXX ( NOT MY NAME ) Reported address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( NOT MY ADDRESS ) Alleged Charge Off Amount : {$1900.00}