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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : - XXXX XXXX XXXX Balance : - Original creditor : XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Around XX/XX/XXXX I try to log on to my account with numerous attempts I notify the bank and ask a representer why was I not able to get into my account they told me I had to go inside of the bank and they should give me some information about my account the next day I went to the XXXX branch I was told by a representer that my account was closed due to low funds I asked her why was I not notified and that I have been receiving emails from the bank she told me that she did not know why and that they will have to do some investigation and that somebody will be in contact with me, XX/XX/XXXX I called the bank and ask then what was going on with the investigation into why my account was closed and they told me that the manager XXXX had tried to reach me I told her I did not receive any phone call or email from such person she took my number down and she said that when he was finished with a client he will give me a call back I never received a phone call. again XX/XX/XXXX I called again to see what was going on with the investigation and if there was anyway that my account could be reopened another representer told me that the manager XXXX had spoke to me on several occasions and he called me back on Friday I told her that I have never spoke to anybody named XXXX and nobody has gotten in contact with me and I can bring my phone up there to show that I have no missed calls or incoming calls from this branch number they have left me with no choice but to make a formal complaint against them.
Product: Debt collection

I am writing to dispute the actions of True Accord CorpXXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), specialty under 15 usc XXXXc ( c ). I request your assistance in addressing this matter promptly. On XXXX I informed True Accord CorpXXXX that I refuse to pay the debt they are attempting to collect and to please stop contacting me. Despite this notification, True Accord CorpXXXX has continued to engage in communication with me regarding the debt. These communication have included phone calls, letters, emails, and etc. As per 15 XXXX 1692c ( c ) of the FDCPA, if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication with the consumer. True Accord CorpXXXX failure to adhere to this provision is a clear violation of my rights under the FDCPA.
Product: Mortgage

My mortgage statement dated XX/XX/XXXX, in the transaction history, has 2 amounts paid in the amount of XXXX each. One amount was applied on XX/XX/XXXX as the XXXX payment, the other amount applied on XX/XX/XXXX to the principal balance. 

This is the second time I've sent conforming payment, after making the scheduled monthly payment where the amount is applied as a curtailment to the loan balance instead of a contractual monthly payment to advance the next payment due date on the loan. 

I called on XX/XX/XXXX and talked to XXXX in the customer service who placed me on hold presumably to send a task to have the payment application corrected. When I asked XXXX about what I could do on my end to prevent future errors of this nature ; he says nothing can be done, the system is automated and decides where the money will be applied. This is unacceptable given the fact the amount I sent was a CONFORMING PAYMENT AMOUNT and should have been identified as such and applied as the XX/XX/XXXX payment. 

The correction to my transaction history should reflect that XX/XX/XXXX payment was applied on XX/XX/XXXX and the account is next due for the XX/XX/XXXX payment. 

It's unacceptable that I send a the exact payment amount and it's not applied as a monthly payment. 

I do not want an apology - I would like the issue fixed correctly on my mortgage loan.
Product: Debt collection

XXXX, XXXX, and XXXX are violating the FCRA by reporting inaccurate information on my credit reports. The payment history states the wrong first date of delinquencies among various other inaccuracies such as : XXXX XXXX and XX/XX/2020 both report XXXX days late, XXXX- XXXX and XX/XX/2020 both report XXXX  days late, and also XXXX and XX/XX/2020 report XXXX days late. 
XXXX Not reporting XXXX days late at all. 
All credit bureaus are reporting incorrect information. 

According to the FCRA, any inaccurate or incomplete information must be deleted. Please delete NAVY Federal CU charge off account from my credit report immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX XXXX. Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately the last two years I have been on the phone over XXXX times with Equifax trying to get my account fixed so I can get my credit report I have sent the document after document followed every instruction. Every time I login it does not allow me I have been on the phone with Equifax multiple times trying to login all they do is say theyre going to fix it they never do they keep sending me emails saying its fixed but it never is. I have multiple recordings phone recordings of Equifax saying they dont know what the problem is, and they cant fix it. This is my last time before I file a hefty lawsuit violated every law of the FCRA. I am sick of this I cant speak my credit file because these morons dont wan na do their job Ive had enough. My login email is. XXXX. Attached is the result. The only thing Equifax is going to do is send a message saying were still working on it that has been a response for two years. They dont even answer my phone calls anymore. They dont respond to my emails. They have exactly 7 days to get this fixed or I promise you I will follow federal lawsuit.
Product: Debt collection

This company calls my daughters cell phone several times a day asking/looking for me and I do not know why. At this time my number is in working order and the company is in violation of the FDCPA by calling my daughter and asking for me by name several times daily despite having a telephone number for myself. I have no idea why they are calling me nor have I ever acknowledged any debt with this company. The harassment of my daughter needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have 2 loans with Sloan, just checked my balance only to find that they report I owe over {$2000.00} in unpaid interest. the company is supposed to be managing my loans and PAYING THE INTEREST FOR ME! they told me there's a flaw in their system and it only pays interest for 1 student loan. the company told me they've been paying on the 1st loan but their site shows this is the loan they are not paying interest on. it's the larger of the two loans i have. 
their suggestion for rectifying the situation was to reallocate all the money from my monthly payment to the interest payments and not pay any to my student loans until the interest is paid back. this will result in me defaulting on my student loans. i asked to be transferred to a manager and to have a direct phone number for a manager. i was transferred to a voice mail and they refused to give contact information for someone who could assist with my problem.

this is probably happening to thousands of people and represents a major scam with student loan company not paying interest and trying to force people into defaulting on student loans. this is a scary level of mismanagement.
Product: Credit reporting or other personal consumer reports

I recently took a copy of my credit report and notice i had fraudulent account on my credit report please remove account from my report it is hurting my ability to obtain credit with future creditors and also it is my right to dispute this inaccurate item on my credit report. In the 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my brother in XXXX XXXX XXXX XXXX sent me XXXX US dollars from his PayPal account XXXX to my PayPal account XXXX. I have been a member of PayPal since XXXX. PayPal refused to release my money and said they would freeze my account for 180 days. I tried to call them but there is no reachable phone number. I can only talk to them via Chat. I only get canned responses from the Chat. They said they would freeze my account for 180 days and that I could not nothing about it. My name is XXXX XXXX XXXX. I have attached my US passport of proof my identity.
Product: Debt collection

they did not obtain my consent to communicate with me prior to contacting me regarding the alleged debt and they contacted me at a unusual time pursuant to use 15 use 1692c
Product: Mortgage

Fake documents,missing signatures,collecting modification funds inmy name fraudulently,I NEVER SIGNED NOTHING!!
Product: Checking or savings account

I have had my chime account for a few years now and up until recently I never used it-and now I remember why. I was always told not to use chime because the way they are with customers is unprofessional, rude and wont care to help you, the funny thing is those people were 1000 % right! I had some fraudulent activity on my chime account-about 5 charges exactly and as soon as I noticed them I filed a dispute right from the app. When I tell you not even 5 minutes after I hit the submit button, I received two emails stating that the disputes I literally just filed were both declined-I almost lost my XXXX! I immediately called customer service and explained the reasoning for my call and not only couldnt o understand the woman trying to speak English, she wouldnt let me get a whole sentence out before she was talking over me! She was absolutely horrible, and told me I was basically out the money that was stolen out of my accountalmost {$450.00}! I demanded to speak with a supervisor who I finally got to speak to after waiting another 56 minutes on hold. that was a total waste of my time as well because she told me she could put in for a rebuttal against the denied claims but she didnt know if that would even matter and told me that she would have to put in a special request for the information they used in order to come up with the denial and that it would also take another 10 business days for that information to be sent out to me. Its hilarious how your customers are given the run around for basically everything-you people deny fraud claims IMMEDIATELY after theyre filed and cant even give an explanation as to why!!! I WANT MY MONEY BACK now!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


List : XXXX  XXXX, XXXX, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which violates 15 USC 1681b. Credit Reporting Agencies have caused severe stress and anxiety due to their abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditor who posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.
Product: Debt collection

This collection was removed from my credit. And replaced again by this 3rd party. Not only is that illegal but they have yet to send me verification of accuracy.
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX I made a payment of {$1300.00} cash towards my Bank of America credit card at an ATM located in the XXXX XXXX XXXX XXXX Bank of America branch. At the time the branch manager did not allow me to pay with the teller due to COVID 19 restrictions. My payment was never processed and Bank of America did not return {$1300.00}. I contacted Bank of America on XX/XX/2021 after this incident occurred and over the next months via phone, and I also faxed a copy of the original ATM receipt to XXXX XXXX. To this day, I have not received a check of {$1300.00} or a statement credit towards my account.
Product: Credit reporting or other personal consumer reports

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers that are not mine : 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 Remove Employers info : XXXX  Date Verified XX/XX/year> Remove Account Review Inquiries Remove Inquiry Analysis
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

CONVNIENT LN # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Debt collection

I have a debt showing on my credit reports for an account that I did not authorize. It is unknown to how this came about but I am certain it was not under my discretion. I didnt even give anyone close to me permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} DP OF XXXX XXXX Balance : {$28000.00} DP OF XXXX XXXX Balance : {$48000.00}
Product: Checking or savings account

I opened a U.S. Bank. Gold Checking account on XX/XX/2019. after receiving an offer of {$300.00} bonus on new accounts. The account was opened online with promo code XXXX provided to me. 

I satisfied the bonus offer requires but did not receive the bonus as agreed upon. 

To earn the {$300.00} bonus offer, you must open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) online by XX/XX/2019. Additionally, you must complete recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening, and be enrolled in either U.S. Bank online banking or the U.S. Bank Mobile App by XX/XX/2019 When I called U.S. Bank consumer service, the customer service supervisor claims she couldn't find any information about the promo offer and refused to issue {$300.00} bonus.
Product: Credit card or prepaid card

My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a XXXX balance on my credit cards ). 
The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a 50 minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By holding over {$3000.00} of my money are they going to pay interest?
Product: Mortgage

Letter was sent from Carrington Mortgage dated on XXXX received Sat XXXX stating that my Mortgage was behind 30 days and if I do n't pay XXXX in 30 day they will start forclosure procedures, I mailed XXXX payment also, that payment have not posted to account, I also made online payment today XXXX for XXXX a they put this on my credit report I have never been late on my mortgage in 16 years a check was sent and received by Carrington Mortgage and deposited on XXXX, The account # written on the check were to post payment. which they clearly did not do. I have read complaints on how carrington does business I 'm clearing unhappy, They have not sent mortgage coupon so I have to send check in regular envelope and write the account number on check for the to post to account ...