23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Zion Debt Holdings is reporting a debt on my credit that does not belong to me and that appears to be identity theft. I called them to find out what it was about and they told me that it was a residential security camera service XXXX XXXX  ) and I told them that I had no idea about that debt and that I did not identify either the address or the service provided, which I never He had lived in that place. They told me they had a XXXX and I asked them to send it to me. Upon receiving the XXXX I verified that it had not really been me and that it was a scam : XXXXThe signature was obviously not mine. 
XXXXThe address corresponded to an office building and not a residence ( the contract specified that the service provided was strictly residential ) I contacted them via email and gave all this information, within the framework of the dispute I was having with XXXX ; However, they resolved the dispute by keeping the debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX  and equifax to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting XXXX are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Updated : XX/XX/XXXX, XXXX LA XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Early Warning Services third party reporting agencies reporting collections, charge offs, late payments. Per the FRCA as a Federally Protected Consumer I Am Opting Out of Any and all Authorizations I the consumer may have given written/Unwritten verbal/nonverbal per 15 U.S.C 6802. The Privacy Act of 1974 a Charge Off is considered a Certificate of indebtment and all charge offs be removed the Law states that it is illegal to report transaction history.
Product: Bank account or service

I opened a XXXX checking account ( XXXX ) in XX/XX/XXXX. It was linked to a XXXX Savings account ( XXXX ), in order to avoid fees on these accounts. In order to avoid the fees I had to make a recurring transfer of {$25.00} from checking to savings. This recurring transfer went on for several years. Over that period of time, I was told by XXXX different tellers on XXXX separate visits that I did not have to continue the recurring transfer, that it only needed to be set up that way initially. They said I could just discontinue the transfer at any time and no fees would result. So I discontinued the recurring transfer in XX/XX/XXXX. Since that savings account usually does not have much money in it ( I do most of my banking at another institution ), I paid little attention to this account. The other day, when logged into the Wells Fargo iPhone app, I noticed a negative balance in this account. Looking further, I found that the account had been emptied by {$5.00} monthly service fees since XX/XX/XXXX. I was shocked and dismayed. I went to the bank at once and spoke with banker XXXX XXXX, who politely listened to my complaint. She called a customer service representative named XXXX ( who reluctantly told me his last name was XXXX ), whom I spoke to on XXXX XXXX 's desk phone. After hearing my story, XXXX XXXX told me that although the tellers had given me erroneous information, which he said could perhaps be classified as " bad behavior, '' it did n't meet the criteria of " bank error '' and therefore there was nothing that he could or would do. He " reassured '' me that it was a pleasure to speak to me, and thanks for doing business with Wells Fargo. He hoped I would have a nice day. XXXX XXXX informed me that to avoid further fees, I should transfer {$300.00} to that account to keep a minimum balance, and also to transfer an additional {$4.00} to cover the negative balance and an additional {$5.00} to cover this month 's impending service fee. 
I do n't know if the tellers had given me incorrect advice to discontinue the recurring transfer inadvertently, or if they did it specifically to generate fees. It does n't really matter at this point. The fees will total {$70.00}. 
Regardless, this is the sort of predatory activity that the Consumer Financial Protection Bureau was designed to combat. As a mere customer, there is little that I can say myself that Wells Fargo will listen to. I know their behavior is wrong, they know it, and now you know it. 
Please help make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXXXXXX
Product: Vehicle loan or lease

My vehicle loan has very high interest rate ( 8.14 % ) and very high interest to principal. It was transacted in XX/XX/XXXX with State Farm Bank. Payments were made on time through XX/XX/XXXX. In XXXX, XXXX a two-month extension was approved for financial difficulties. Payments again were made on time thereafter from XX/XX/XXXX through XX/XX/XXXX. 

Again, during the pandemic in XXXX and loss of 2 jobs, in XX/XX/XXXX, an extension was offered and taken for XXXX, XXXX and XX/XX/XXXX. Payments were resumed in XX/XX/XXXX. 

Presently, I find it a struggle to make these payments and have been in contact with collections to let them know since early XXXX of my difficulties. I have continued to make payments as I am able but I am in a 30-day late status at this time. 

During recent efforts to understand where I am, I shockingly noted that on-line statements do not reflect any principal payments made to my account since XX/XX/XXXX and I can not get a satisfactory explanation why all payments made since then have gone for interest only. After several unsuccessful attempts on my part to call to get an answer, My Agent, XXXX XXXX, then got involved and attempted to a have loan support supervisor call me back and explain line by line explanation for each month on the loan starting XX/XX/XXXX and running through the present : Beginning balance Payment made Payment applied ( principal, interest? ) Fees charged. 

We both requested this on Monday XX/XX/XXXX, and requested a return call no later than 48 hours after the formal request. It is now late in the afternoon XX/XX/XXXX and I have had no return phone calls. They sent the agent a print out that looks exactly like the on-line statement, which the agent suggested was not intelligible. ( attached ) I believe this is a predatory lending practice and I certainly did not know or understand that past the extension for Covid relief, I would not be gaining any ground by any of the {$740.00} payment applied to the principal. Consequently, I am now underwater on this loan and can not sell the vehicle to repay this loan. 

It seems to me that the " relief '' offered for compassion during a pandemic became a way to rip me off with an already high interest rate. Within the last 2 years, I tried to refinance this vehicle loan with State Farm but was turned down on my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

AS OF XX/XX/XXXX ..... 
THESE ARE INQUIRIES BELOW! 
Here are the inquiries u XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXXshowing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXXShowing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX. XXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX  XXXX Bankruptcy- Requested method of Validation and proof of negative information or delete from report. USBK Court of XXXX  Oklahoma DOES NOT report this information to any credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$14000.00}.
Product: Mortgage

The HAMP modification that I had done in 2010 is now matured to 4 % and will be 5 % soon, then to 5 1/2 %. Is it allowed for a HAMP mod to go over the market interest rate?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, who sold a payday loan to XXXX XXXX, then National Credit Adjusters, then back to XXXX XXXX, and NCA again, is still showing an account balance and is reporting a debt for an account that is beyond seven years old.
Product: Mortgage

-On XX/XX/2017 I purchased a home and got a conventional loan for {$420000.00} at XXXX apr under the promise of receiving {$10000.00} overfunding cash from XXXX XXXX XXXX XXXX XXXX after closing I agreed but after numerous attempts to collect I received a payments for {$1500.00} on XX/XX/XXXX, another {$300.00} on XXXX and continuous promises of payments since that date. 

XXXX kept telling me he had a few issues but they would soon get resolved but week after week nothing got done. 

He told me it would have been wise to refinance at current rate after 6 months to lower my interest and therefore reduce my monthly payment and he would have paid me out the balance when he sold my loan. 
On XX/XX/2017 I refinance and lower my rate to XXXX % but no money has been paid even after weekly messages back and forth. 

I need help collecting my balance of {$8900.00} from the money he took, interest free without my permission, that is a theft and shows very poor character for a men in his position.
Product: Debt collection

Portfolio Recovery Associates has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist. Portfolio Recovery Associates continues to report NEGATIVE information. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. 

Each violation applied : {$8000.00} due for each violation. 
- 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, a risk to my livelihood, mental health, and physical health. 

As stated above, Portfolio Recovery Associates has violated me with aggravated identity theft. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Portfolio Recovery Associates must disclose my right to opt out and has committed fraud, which has no statute of limitations
Product: Debt collection

I first contacted this company as a result of returning a missed phone call. When the person in that company answer they asked me for my name which I gave. From there they began demanding I give them my social security number, address and date of birth. 
I asked two times for very basic information on my end Who are you and what is this about? They refuse to tell me instead they kept demanding for my private information and claim they wouldn't tell me who they were unless I gave such information. When I told them that I would not give them any private information the woman on the other end of the phone got really angry. Began to threaten to sue me and that she would report that I was being uncooperative and refusing to help. I still don't know what this is about but I just go another call from the same phone number. So I did a phone number reversal look up online and it turns out its a company called. Miller Stark and Associates located in North Carolina. I live in California so I have no idea why a company in North Carolina would be trying to contact me. This sounds extremely sketchy, abusive and harrasement. I do believe even if its some sort of old debt which I am unaware of *I have really good credit and don't have any outstanding debt* this is illegal in my State.
Product: Mortgage

I do n't know if I have the right email address but I would like to file a compliant on Bank of America Mortgage practices. I was in the process of selling my home and XXXX liens were placed against my house from previous loan modifications. We were ready to move forward with closing and we received a letter from Bank of America stating they are going to forgive a subordinate note in the amount of {$52000.00}. After further research I found out this forgiveness was part of Bank of America 's terms of settlement with the justice department over mortgage fraud allegations. My problem is that I contacted Bank of America to receive a letter stating they were going to release the lien on the property with this forgiveness letter that I received. However, when I contacted the Bank for the letter to release the lien, I was told that the process will take anywhere from XXXX months for the lien to be released. They said that this is because the justice department takes so long to process the request and they have no control over this process. So here I am as a consumer for the bank, ready to close on my property and I ca n't take part in this forgiveness because I do n't have a clear title. I would have to wait XXXX months to be able to relist my house and then find a new seller to purchase my house. I would lose my buyer because of the XXXX month delay. 

I feel that Bank of America is taking advantage of the situation they have with the Justice department and not providing the relief to the consumer which is the primary purpose of the fine. Bank of America did n't send this forgiveness letter until I inquired about paying off the property. If I close on the house, I lose the ability to take part in the program. I feel that the XXXX month window to release a lien is unrealistic and down right unfair to the consumer. I have asked to speak with a supervisor multiple times and left XXXX voicemail 's with the supervisor to discuss my issue. 

I am put in a difficult situation in which I can either move forward with selling my home, paying the subordinate note in full and losing the opportunity to take part in the program. I am furious with the customer service, the response time and overall experience with Bank of America. 

Thank you for the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. 
OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate information.