23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Looking at my most recent credit report i noticed Ad a Astra recovery services is reporting unverifiable/inaccurate information on my account. according to the type of verification required by Section 809 of the Fair Debt Collection Practices Act.. 

The statute requires that the verification of the identity of the consumer and the amount of the debt be obtained directly from the creditor. Mere itemization of what the debt collector already has does not accomplish this purpose. one of the principal purposes of this Section is to help consumers who have been misidentified by the debt collector or who dispute the amount of the debt. Once again, Mere itemization of what the debt collector already has does not accomplish this purpose. 

Ad astra recovery services have not been able to send me evidence bearing my signature stating that I am legally obligated to pay ad astra recovery services.Ad astra recovery services have not been able to provethat I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. because of this, Ad Astra Recovery Services must request that all credit reporting agencies delete the entry which they are inaccurately reporting & violating the FCRA & FDCPA law put in place to protect consumers like me from being bullied by debt collectors such as ad astrarecovery services. These false entries by ad astra recovery services are hurting my chances of obtaining credit and need to be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX with Account number XXXX is showing incorrect balance. the account is paid off with XXXX balance
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies regarding an account listed under XXXX. The details are as follows : Account Number : XXXX Account Type : Open Account Account Type - Detail : Telecommunications/Cellular ( TransUnion ), Collection ( XXXX ) Bureau Code : Individual Account Status : Derogatory Balance : {$6500.00} High Credit : {$6500.00} Credit Limit : {$0.00} Past Due : {$6500.00} Payment Status : Collection/Chargeoff ( TransUnion ), Late 120 Days ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Last Active XXXX XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date of Last XXXX : - ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Consumer disputes- reinvestigation in progress Collection account Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. Please provide a detailed account of how the balance of {$6500.00} was determined.

Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Specific Issues and Discrepancies : Differences in the Date Opened : TransUnion states XX/XX/XXXX and XXXX states XX/XX/XXXX. 
Variations in the Date Last Active : TransUnion indicates XX/XX/XXXX and XXXX indicates XX/XX/XXXX. 
Payment Status : TransUnion reports Collection/Chargeoff while XXXX reports XXXX XXXX Days. 
Please provide the requested information and correct the inaccuracies on my credit report. I expect your response within the time frame specified by law. If the requested information is not provided or if the discrepancies are not resolved, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal advice.These accounts have erroneous and inaccurate information and have different opening dates in Transunion and XXXX, different amounts and do not say who the supposed original creditor is. They are reporting inaccurate information in Transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Navient-Department of Education Student Loans on XX/XX/XXXX, XX/XX/XXXX, and X/XX/2017. Asking for verification of the original instrument of indebtedness in its original form. In response Navient sent letters dated XX/XX/XXXX, XX/XX/XXXX, a copy of the promissory note. According to 18 U.S. Code subsection 474, Whoever with intent to defraud, makes, scans, captures records with intent to be used in forging or counterfeiting any such obligation or other security except by direction of some proper officer of the United States Is guilty of a class B felony. Navient have the digital, scanned, reproduced prommissory note in its possession. Unless such use was authorized by the Secretary of the Treasury. I feel as a consumer my rights have been violated. My wish is for the Consumer Financial Protection Bureau to demand on my behalf that Navient produce the original instrument of indebtedness in its original form like I asked before or remove all of this consumers financial accounts with Navient from all 3 credit bureaus ' including a XXXX balance for their treasonous deeds and all will be forgiven. All relations with Navient are now in question for passing fraudulent and misleading information to disgrace this Consumer. Consumer would also like to thank CFPB for protecting his Personal, Family, and Household.
Product: Money transfer, virtual currency, or money service

Getting error code " XXXX Exception unauthorized action.. " from Venmo i need to access my VENMO funds this is completely unacceptable and unreasonable, on top of that i was logged in already and it logged me out. This looks very fraudulent I WANT MY MONEY NOW. after two days if it doesn't open up i will be speaking to my lawyers.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Account number : XXXX Account name : TN CHILD SUPPORT Account number : XXXX XXXX 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

Transunion has violated my consumer rights under 15 U.S.C 1681.

As a natural person, human being, and a consumer, I have rights under 15 U.S.C 1681. 

TRANSUNION is govern by 15 U.S.C. and has violated my rights numerous times. 

Therefore, I demand the accounts listed below be REMOVED/DELETED AND for TRANSUNION to ADD A BLOCK will prevent these accounts for being added back into my credit report. Further, I demand for all inquiries ( hard and soft ) be remove. 

I DID NOT GIVE ANY WRITTEN PERMISSION TO TRANSUNION to furnish any of these accounts nor to add any inquiries in my credit report. 

My request is made because according to 15 U.S.C 1861 : I have the right to privacy.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I want for Transunion to : 1. DELETE and ADD A BLOCK ON THESE ACCOUNTS TO PREVENT FROM BEING ADDED BACK INTO MY CREDIT REPORT WITHOUT MY CONSENT : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. DELETE and BLOCK ALL INQUIRIES : Regular, Promotional and Account Review.
Product: Credit card or prepaid card

I was Paying off my credit card and closing the account. I called the company to verify the amount I needed to pay in full to close the account, and sent that amount. I have since received a bill for more interest. I called the company and spoke with them three times about this and the said there was nothing they could do. The amount that I was told to pay in full on or about XXXX was {$1300.00} and that is what I did.
Product: Debt collection

Transworld Systems Inc contacted my mother on XX/XX/year> looking for me. My mother took down the number and I called them and told them not to contact that number again, nor to contact me via phone. I asked them to cease phone communications and only send me information to the address I have on file. Approximately XXXX week later, they call my mothers cell phone number again and divulged that they were a debt collector. This is a FDCPA violation. They should not have called again nor should they have exposed that they were looking to collect a debt from me. Now my family is involved in my personal finances. This has caused a major stress for me mentally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017, I c hecked my cyber identity monitoring services, a service provide by  the US Office of Personnel for leaking my data.      Apparently, on  XXXX   XXXX ,    2017, I h ave a new account added to my credit report. I 've reached out to Equifax, but their website is confusing, and their phone tree and automation gotten me no where useful or easy to use. The Equifax website required a record number, which I do n't have and was n't provided to me. Their process appear to seem like they are required a credit inquiry, pulling my credit, which I declined.     I would like to file my complaint for lack of notice on both  XXXX   XXXX   XXXX   XXXX  and Equifax.     I do n't know who  XXXX   XXXX   XXXX   XXXX  is and why there is a new account of {$170.00},  XXXX . My current mortgage is at fixed rate with a local community bank called  XXXX   XXXX   XXXX   XXXX  (  XXXX  ). I make my payment through my bank direct withdrawal. I have n't receive any notice that the loan has been sold. I 've requested my bank (  XXXX  ) to provide all notice in writing to avoid identity theft and scammers these days. I have not been notified by the  XXXX . I believe this is a scam and a violation of my rights to notice and lack of consent to do business.     I would like it to be removed from my credit report, and I need the  XXXX  bank to face consequences of a formal investigation by the CFBP. I also would like them to provide proof that exactly stated that I authorized them to post this on my credit report.     Thank-you,  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.
Product: Student loan

My federal student loan was transferred to Fedloan Servicing in XX/XX/XXXX. At that time, I had already made 13 qualifying payments on my REPAYE plan with my previous servicer, XXXX. 

I continued to make my payments in full each month following that, until my loan was placed into administrative forbearance in XX/XX/XXXX, pursuant to the CARES Act, for a total of 18 payments. 

In XX/XX/XXXX, I requested a count of the number of qualifying payments I had made on my REPAYE plan. In XXXX, I received a letter stating that I had made only 18 qualifying payments. 

I wrote back the same month disputing the payment count on two grounds : 1. The payment count did not include the 13 qualifying payments I made to XXXX before my loans were transferred to Fedloan Servicing. 

2. It also did not include the 3 skipped payments ( for XXXX, XXXX, and XXXX ) during the time my loans had been in administrative forbearance as a result of the CARES Act. Per the CARES Act, those skipped payments should have been added to my qualifying payment count. ( Title III, Subtitle B, Section 3513 states that " Notwithstanding any other  provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ),  the Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program or loan rehabilitation program authorized under part D or B of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ; 1071 et seq. ) for which the borrower would have otherwise qualified. '' ) In XXXX, I received a response from Fedloan Servicing that was identical to the first letter, simply stating again that my payment count was 18, without any attempt to address the two specific points I mentioned in my dispute.
Product: Mortgage

On XX/XX/XXXX, I sent an email to my point of contact Mr. XXXX XXXX at XXXX, in order to request a refund of {$7800.00} USD that I was told by XXXX XXXX XXXX which is the company that initially processed the loan. 

I have tried to communicate with Shellpoint several times by email and phone calls in order to get an answer. However, I have not received clear information. They say they have not received the requested document ( Settlement Statement attached to this complaint ), but I am sure I have sent them this document 3 times. 

Please, I request that the money mentioned above be refunded. Also, I would like to know why the regular payment of the mortgage increased from {$2400.00} to {$2900.00}, because as I understand, this amount was going to be fixed during the life of the loan. 

I really feel uncomfortable with this situation and I would like to make a formal complaint Best regards, XXXX XXXX
Product: Credit card

I booked a trip with my barclay credit card with XXXX XXXXXXXX in XXXX. Trip was for XX/XX/XXXX with my family. My dad was rushed to the hospital on XX/XX/XXXX and put into XXXX. He had a XXXX XXXX and the doctors ALL advised us to cancel any trips we had booked. So we did. I provided them with a doctors note. I understand that there are terms and conditions but unfortunately this was not something we were expecting to go thru. I contacted XXXX and opened a dispute and they refused to credit back my card. I spoke to agent as of this morning XX/XX/XXXX and was told their is NOTHING they can do as a credit card company. I know that credit card companies can make a 1 time exception for the customer. They never offered. I sent in all documents to re open my case on XX/XX/XXXX like I was told to by an agent when I called in. This is truly disturbing the lengths I have to go thru for something that was not in my control and even more so on how serious it was.
Product: Prepaid card

On XX/XX/XXXX the Louisiana Department of Revenue and Taxation issued a check for {$1700.00} to Chase Bank, Check # XXXX. Chase issued a prepaid XXXX  debit card to my mother, now deceased, in this amount. The card expired XX/XX/XXXX. My brother was handling my mother 's affairs. When my brother died the card was found among the income tax filings. It appears not to have been used, but I do not know. I called the number on the back of the card, and got a recorded message from Chase that the number was no longer answered and to call a different number. I did so and was transferred around to several different departments, none of them recognized the number or could retrieve any information. On XX/XX/XXXX I met with a local Chase officer who took information from me to demonstrate I was authorized to act on my mother 's affairs and sent it to legal. Legal affirmed my authority. On XX/XX/XXXX, I met with the officer again who advised me to go to a teller and request cash for the card. The teller could not access the information. On XX/XX/XXXX, I spent 45 minutes with the officer who talked with various departments. One finally took the information and said an investigation would take place. I received a letter on XX/XX/XXXX stating the inquiry had been resolved. No information was given about the resolution. I called the number on the letter. I was transferred twice only to be given a number of another department to call. They did not answer my question. I emailed the local bank officer who did not contact me. I spoke with the Louisiana Department of Revenue three times who said Chase had the money. Today, XX/XX/XXXX the department referred me to the Chase department that replaces prepaid cards. I spoke with three different people at Chase this morning, the last who said they stopped providing this service in XXXX and referred all information back to the state. All Chase departments state that they do not have information on " old '' cards. I advised Chase that I would file a complaint with the CFPB.
Product: Debt collection

I was in federal prison from XXXX and Portfolio Recovery is collecting on a XXXX XXXX credit card on my credit. This is fraud from identity theft. I have not opened authorized or signed for this debt. Please remove it immediately and stop violating my rights
Product: Checking or savings account

I have complained numerous times to Wells Fargo about charging me overdraft fees when my account still had money in the account but I still got charged. I gave up after awhile because I thought I couldnt do anything and I was sick of always having to call in each time it happened. I should be paid back all the inappropriate fees I was charged for still having money in my account.
Product: Checking or savings account

I am an XXXX XXXX XXXXXXXX XXXX and have banked with PNC bank for over 25 years. A check was made out to my insurance company XXXX XXXX and mailed out in the amount of {$120.00}. I found out a few months later, after my insurance company saying I never made my payment, that my check was washed and altered to {$920.00} and made out to a XXXX named XXXX and cashed. I then filed a dispute with the bank and they denied the dispute and never mailed me an explanation. I am an XXXX XXXX  that lives off of my social security and {$900.00} is a lot of money to let it go. You can clearly see the check was altered and the handwriting is not the same. I would like something done about this and my funds returned to me. Not only am I out the {$920.00} this guy fraudulently cashed, but I also still had to pay that month owed to my health insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to XXXX, XXXX, and Transunion all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report
Product: Credit card

Amazon offered {$60.00} credit if applied for credit JPMC Chase  XX/XX/XXXX  applied for credit no instant approval Need street address Emailed copy of Texas drivers license XX/XX/ letter receive XX/XX/XXXX  could not read drivers license XX/XX/XXXX  Went in to bank branch and they faxed copy of drivers license confirmed they received the copy XX/XX/XXXX  received letter to contact them with phone number It looks like a delay tactic. 
If they give me the {$60.00} they can keep the card My credit score is above XXXX My husband has an Amazon Chase card
Product: Debt collection

Glasser and Glasser continue to contact my parents about an unsecured debt they are attempting to collect. They have on two occasions filed court paperwork to my parents address and on two occasions sent mail to my parents. They have my address, it has n't changed in nearly five years. I have informed Glasser and Glasser by email and fax of the proper address and asked for payment options to be sent and any other documents and they have yet to do so..
Product: Mortgage

On XXXX, 2023 Amerisave charged me, a senior citizen and potential customer, to transfer a XXXX appraisal to XXXX XXXX who requested the transfer. I did not take a loan from either company as my current mortgage is 3.5 % so what I wanted to accomplish was not possible. They charged me instead of XXXX XXXX {$620.00}. Yes. {$620.00}. And it did me no good. I think this is an unreasonable and greedy charge for a senior citizen who is struggling to pay bills. 
Second - Again Amerisave put their name onto my XXXX XXXX insurance before any final decisions were made. So when the insurance came due in XXXX, Amerisave was billed.. They didnt pay it or inform anyone that they were not the holder of my mortgage. I had to pay the {$460.00}. to avoid cancellation and I am still waiting for my reimbursement from XXXX. This is XX/XX/XXXX. 
I think Amerisave overcharges and is greedy. They possibly take advantage of senior citizens. They do not let anyone know the status of an account or past application in order to make simple procedures easier. XXXX XXXX never added their name as the holder of my mortgage while I was dealing with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX  - ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.