23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I experienced significant issues with XXXX XXXX XXXX  related to XXXX credit card accounts I held : the XXXX XXXX  and the XXXX XXXX, each with a {$300.00} limit and monthly fees of {$25.00}. The core of the problem began when I lost access to the online portals for these accounts, making it impossible for me to log in and manage my finances due to the portal 's requirement for card numbers to reset passwords. This situation was exacerbated by the loss of my wallet, which contained the physical cards. 

Despite my proactive efforts to resolve this issue, including contacting customer support at least XXXX times to request new cards and update my mailing address, the bank repeatedly sent the replacement cards to an incorrect address. This failure occurred despite assurances from customer support that my address had been updated in their system. 

As a direct consequence of being unable to access my accounts or make payments, the accounts were eventually sent to collections, and I received a letter from MIDLAND CREDIT XXXX de

manding payment of {$680.00}. FDCPA Violations : This situation has been further complicated by potential violations of the Fair Debt Collection Practices Act ( FDCPA ) by MIDLAND CREDIT XXXX, including : Lack of Proper Notification : Under 809 of the FDCPA, debt collectors are required to send a validation notice within XXXX days of first contacting a consumer. This notice must include the amount of the debt, the name of the creditor, and the debtor 's rights. I did not receive adequate notification or validation of the debt before it was reported to credit bureaus, which may constitute a violation of this section.

Misrepresentation of Debt : If MIDLAND CREDIT XXXX failed to accurately convey the circumstances that led to the debt 's accrual, including the bank 's repeated errors in sending replacement cards to the wrong address, this could be seen as a misleading representation of the debt 's nature, potentially violating 807 of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about experian credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from my credit report.
Product: Checking or savings account

On XX/XX/2022, I deposited XXXX checks totaling {$1500.00} in an ATM at a TD Bank in XXXX XXXX  XXXX. As of today, XX/XX/XXXX, XXXX days later, TD has not deposited the funds into my account. My account shows that this matter is pending. I called the TD Customer Service Line and was told by a representative named XXXX that there is an extended hold on the checks. Further she said that there was no explanation as to why these funds were held up. 

One of the checks was from XXXX XXXX Bank for the overpayment of a mortgage I had with that bank. Theres absolutely NO REASON why a check from a known financial institution in the XXXX XXXX  XXXX XXXX area should raise any flags or should result in any delays in the funds being placed in my account. 

The fact the second check from an insurance company deposited at the same time, is also being held, means that TD bank caused the delays. What is that likelihood of two checks drawn from two sources would both have issues justifying delays.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CF {$1000.00} states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt that XXXX XXXX  for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX  is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX  is XXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Product: Debt collection

I received XXXX written collection notices from XXXX within a week of each other, XXXX on XX/XX/23 and the second on XX/XX/23. Both are regarding the same account but reflect " different collection account numbers '' duplicitously, that had been canceled for an internet domain service wirh XXXX and both notices have the same amount of {$130.00}. The collection notices are requesting payment for a contract that I canceled instead of renewing. I emailed this collection company twice per their instructions, once on XX/XX/23 and the second on XX/XX/23. I requested a dispute to be filed and an investigation into the charges as they are fraudulent. In addition, I notified the collection company that I canceled this service prior to renewal and that I am actually awaiting a {$17.00} refund from the company they are supposedly collecting for. I also sent them the confirmation from the original debtor showing the cancelation and the refund amount owed to me and still have not heard anything back. In addition, I still have not even received my refund from XXXX and have been waiting for several months to no avail.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.I disputed these inaccurate items over XXXX  days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate. 
XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have XXXX  days to complete your investigation once you get this letter. If you can update me even sooner, that would be great
Product: Mortgage

As a first-time home buyer in XXXX, Wells Fargo XXXX XXXX to take a balloon mortgage as a second mortgage instead of PMI. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. They also said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages, or they no longer offer them and were unable to help me. I even had XXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I also requested an amortization schedule in which they showed my mortgage as a conventional loan ( see attached ). Then they said that the amortization schedule was an error and they made a mistake. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} The balloon mortgage has now reached its maturity and I am unable to pay the balance and I can not afford to refinance and pay this off. This has been very frustrating and a huge financial burden on my life. Balloon mortgage loans should be forgiven for first-time home buyers and illegal in general.
Product: Debt collection

My wages are being currently garnished since XXXX XXXX XXXX I am now being contacted since XX/XX/year> up until today XX/XX/year> with attempts to collect payments while I am under a garnishment order. The papers that were served, were given to a XXXX XXXX XXXX XXXX  ) and not to me as I was not home. This occurred twice. The only reason I was made aware of being served, was after I received a garnishment letter in the mail. I then attempted to contact Republic Finance several times, they ignored all calls. It is not a fair practice to serve documents to XXXX XXXX  I never received documentation that notified me of a court date at all. After tracking down the documents given to XXXX XXXX there is nowhere in the document that states a court date. Nor is it fair to call demanding payments with threats of turning the account over to collections and charge off when payments are being garnished.
Product: Debt collection

Hospital was supposed to be re-running the insurance and then resubmitting the bill. This has happened several times. AMCOL Systems has failed to produce a bill for these charges as well. Previously, when attempting to pay an earlier AMCOL debt, they said there was no debt owed.
Product: Debt collection

On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX  account opened on XXXX XXXX2023 from Jefferson Capital System with original creditor XXXX XXXX. I disputed it with XXXX discussing I never opened a XXXX and has been with XXXX XXXX XXXX for 10 years now. I have never missed payment with XXXX XXXX XXXX  and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my XXXX loans and credit card payments and to have a debt that is mine is heart breaking.
Product: Credit card or prepaid card

XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!
Product: Debt collection

Portfolio Recovery has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Debt collection

several attempts for accounting based on general acceptance accounting and Capital One Bank is in violation of law for not providing the accounting. I ask again for accounting based on GAAP practice also a copy of the signed contract which was never provided. 
failure to credit account {$21000.00} received on XX/XX/2016 by Capital One Bank and acknowledged receiving money order if it wasn't accepted it should have been returned and it wasn't this is to apply to account # XXXX
Product: Student loan

I received misinformation regarding co-signer release. I was informed that my cosigner can not be released because I utilized a hardship forbearance. This information was not on any of the loan documents when I originally signed the loan agreement. Nor was I informed when I contacted the loan serviser and steered into a hardship application. 

In XX/XX/XXXX, I applied for private loan cosigner release and was informed that I was ineligible due to utilizing a hardship forbearance. In XX/XX/XXXX, I requested a signed copy of my loan terms and this was not listed as a disqualifying event. 

This is practice is misleading and if I would have known, I would not have done a hardship agreement that would have disqualified my cosigner to be released. 

Also, the funds were directly given to me for use with XXXX XXXX XXXX expenses and XXXX is one of the schools listed in the XXXXXXXX XXXX XXXXXXXX lawsuit.
Product: Consumer Loan

Hello, we received and auto loan from Ban k of America  in  XXXX   XXXX . Payments for first 3 months were done by auto phone. In  XXXX   XXXX , I set up recurring Auto Pay through Online B O A. Recently, we found out through looking at our credit report that Bank  of America r eported us late for  XXXX   XXXX  auto payment. In early  XXXX   XXXX , I received a check made out to " Ban k of America Auto Loan ''  for the payment amount. At that time, I called the phone number on the check. I was then told that it was not a check but a receipt for the  XXXX   XXXX  auto payment. This was not true -- it was live check which I then threw away. This incident created a big credit problem. At this point I thought the payment was made, but it was not. This created a drop in our  credit score  of  XXXX  points. I can prove that the money came out of our Bank  of America c hecking account for the auto Loan, however it was never applied to the loan account.   I have spoken to many people at Ban k of America a nd asked them to reverse the  XXXX   XXXX  late payment. I am getting the run around. No one will take responsibility. I have been to told to dispute at the credit agencies, which I have, and wait for the process/investigation to complete. I am not satisfied with this response. We have been their customer for 25 years. I would like for the CFPB to investigate to help resolve this issue for us.
Product: Credit reporting or other personal consumer reports

I requested the method of verification ( MOV ) for multiple disputed accounts and unauthorized inquiries that Experian failed to properly investigate. Specifically, I asked for the name and contact details of the furnishers they contacted, as well as the documents used to verify the disputed information. Additionally, I requested the immediate removal of any unverifiable or inaccurate data, along with a written confirmation of all deletions and an updated credit report reflecting these changes. ''
Product: Student loan

Delinquent accounts showing in my name on my credit that was not opened by me.
Product: Student loan

When I went to school at XXXX XXXX the only federal loans available were under the XXXX program. I applied for debt relief and as part of the XXXX XXXX XXXX lawsuit was granted discharge and a refund for any payments made to the department. The fact that Navient will not refund any of the payments made after a finding by the department is unethical. A class action needs to be filed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting proof of payment to XXXX several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached