23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX an account was posted in collections on my credit report in the amount of $ XXXX.The collection company, Mountain Run Solutions , has stated to XXXX, the account was opened on XXXX XXXX, XXXX. I was informed by XXXX a debt was incurred in XXXX, however I am not listed as part of the debt, past or present. The debt was filed as a joint account. I have reached out to the collection company, and filed a dispute with XXXX, to have the inaccurate information removed. XXXX completed the investigation of the dispute on XXXX XXXX, XXXX, concluding the information reported, is accurate based on information from the collection company. XXXX did not contact XXXX for any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferment since XX/XX/XXXX. Navient is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XX/XX/XXXX, XXXX, and Navient all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Product: Money transfer, virtual currency, or money service

I am filling against cash app ( Block inc ) due to inadequate customer service an unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately -XXXX Outcomes {$500.00} Opened XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )
Product: Credit card

I received a Destiny credit card in the mail around XX/XX/XXXX that I never applied for, I never used it or activated it. A few weeks later around XXXX i received a bill from Destiny for {$170.00} stating XXXX for annual fee and XXXX for credit protection fees with a payment due date for XX/XX/XXXX. I called the number on the bill for questions and I got a recording asking me for my full social security number, I didn't give it and hung up. the company name on the bill is Concora Credit, XXXX, OR. I sent a letter stating I never requested the credit card and to cancel immediately and it was cc XXXX XXXX XXXX, XXXX. I checked on XXXX XXXX and Destiny credit is listed on my page as owing XXXX, I started a dispute on my transunion account on XX/XX/year>. Can you please help me resolve this issue and report this company as a fraud, I saw several posts about them taking other peoples money for various situations as well. thank you
Product: Debt collection

On XX/XX/19, a XXXX County sheriff ( XXXX ) that I am familiar with from work, showed up at my current home residence to serve me with papers that I am being sued. XXXX is a close personal co-worker with whom I worked for many years at the XXXX County Department of Human Services. This was the first invasion of privacy violated by this debt collector. Upon opening the paperwork, I learned that I was being sued by the lawfirm of Pressler, Felt & Warshaw.  They apparently had entered a civil law suit against me in my county of XXXX with the very place I am XXXX for ( The XXXX County Courthouse XXXX XXXX XXXX and is very familiar with all XXXX County XXXX ). This was the second invasion of privacy that this lawfirm violated. I read all the information and realized that Pressler, Felt & Warshaw had filed a plea against me that included personal finance information from XXXX XXXX which included the amount I owed as well as my credit score and a back page showing all of my purchases and stores I shopped. This was the third violation of my privacy. XXXX County Courthouse now knows my personal information and is an XXXX that at the time of XX/XX/19 ( when the civil suit was served ) I was XXXX  by. Therefore, all of my co-workers as well as my boss, and higher up 's all know about my debt and when and where I shopped. This personal information should not have been entered into the XXXX I worked for at the time and is a HUGE violation of my rights! Also, there is no clear cut instructions in the lawsuit paperwork. There is no one to contact to find out if I have a hearing to attend and if, any, what time and day that would be. This paperwork is very vague as to any instructions on how to remedy this situation and considering it ruined my XXXX at XXXX County, I now have no way to even pay this debt off. I am currently unemployed with no compensation.
Product: Credit reporting or other personal consumer reports

reporting late payments on my consumer report. And by my understanding late payments are illegal 15 usc 1681A ( 2 ) ( b ) Definition, Rules of construction ( FCRA ) that late payment can not be reported on your consumer reports. Ive also talked to XXXX and they said that there isnt any that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Debt collection

THE XXXX SOLD MY ZOMBIE DEBT TO UNITED DEBT HOLDING, LLC AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXXXXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with DYCK O'Neal with the belief it has reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XXXX XXXX have also asked for assistance from each of the credit bureaus to resolve this issue beginning in XX/XX/XXXX. I followed up with additional disputes XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

The company provide a debt validation response. I am not disputing the debt. My dispute is that I do not owe for the debt. Discover took my original application and securitized the application. They then took the XXXX  number created to trade my application on the secondary market. The law states that they are to take 20 % and I am to be paid the remaining 80 %. However I have not received any proceeds. They turned my application into commercial paper. 

Additionally they are making claims that are illegal. It is illegal to deny the payment coupon as a form of a payment as it is a negotiable instrument per UCC 3-104. Discover also requested I include a check with the coupon which again is illegal as they can not request payment to be made with floating rate notes. 

They are refusing to return the floating rate notes I paid while I was unaware of this information. And have advised they charged off the account as a loss, when in fact they have not experienced a loss because they are still trading my application on the secondary marketing and receiving benefit. 

They are committing securities fraud and have refused to correct their fraud. 
They did not provide proper disclosure as no where in their cardmember agreement states they are using commercial paper nor does it speak about them turning their applications or the floating rate notes into securities to be traded on the secondary market. 

At this time, Discover is committing Tier 2 Federal Reserve Act offense which is punishable as {$25000.00} per day that my issue is not resolved. 

They are failing to perform their fiduciary duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Mortgage

I have previously submitted two CFPB complaints against Dovenmuehle Mortgage , Inc., for failure to correct my tax lines and restore my escrow account. They refuse to provide my actual escrow analyses, and have sent over only projections without explanation as to why I am being charged what I am. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is showing significant credits to my account, however Dovenmuehle continues to attempt to charge me for overpayments for what they say are taxes owed. 

For example, in their latest response to my last CFPB complaint, they said they corrected my tax lines, but in the escrow projection that they sent me for 2022, the tax lines were still showing incorrect amounts ( approx. {$1800.00} for taxes projected twice, when in reality, it's approx XXXX and XXXX for 2022 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands,
Product: Credit card or prepaid card

XX/XX/2019 : Received a preapproved credit card offer in the mail. Upon going online to accept the card, I was asked to enter some 'identifying ' information. Upon submission, I was told I'd hear back in 7-10 days for the status of my submission. I called customer service at the toll free number, they told me they only do a soft CB pull and then do a hard pull after to see if I'm approved! IT IS MY UNDERSTANDING YOU CAN NOT SEND A PRE-APPROVAL AND THEN WORK THE CUSTOMER AS AN APPLICATION SUBJECT TO APPROVAL! BAIT AND SWITCH.
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. 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, has violated my rights.

15 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: Debt collection

Received many phone calls about a debt that was owed by XXXX XXXX. XXXX XXXX happens to be the name of my husband 's ex-wife who is deceased. She has been deceased for more than ten years. Today received a message to call Revenue Group and spoke with a XXXX XXXX. Explained this to him. Specifically asked him to stop calling my home. The phone number received most recent call came from : XXXX at XXXX.
Product: Debt collection

My former mortgage company transferred my mortgage to Shellpoint in XXXX, told me in XXXX. XXXX XXXX applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least XXXX complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for XXXX  months in a row from XXXX XXXX. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.
Product: Credit reporting or other personal consumer reports

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  Greetings to whom it may concern, I am currently trying to purchase a home and my credit been hit numerous of times Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. This information is inaccurate and need to be addressed. Please correct information concerning all these inquiries. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance
Product: Debt collection

I have a collection on my credit that was taken care of years ago by the original creditor. The original creditor has deleted the account and sent a letter that after they investigated it they deemed it fraud. Now, years later as I am set to close on a house next week, I get hit with a collection agency for that same account. They said it will take 90 days to investigate and refuse to provide a letter to help me close on my house. This account IS NOT MINE!! I have attached the letter from the original creditor.
Product: Debt collection

I just received an alert that an collection account that was part of my identity theft case is being report to my credit file. Calvary Portfolio Service Acct # XXXX {$6800.00}
Product: Credit reporting or other personal consumer reports

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX acct # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Product: Mortgage

XX/XX/2020 Wells Fargo offered a forbearance. I was told I could suspend loan payments. I took the option. So now Im being told I have to secure another loan or whatever else for those payments. My Wells Fargo account reflects a XXXX balance yet my credit report reflects a XXXX balance. So just what kind of XXXX mess has Wells Fargo done? I resumed payments and have been called twice asking me what my plans are. So are they trying to take properties from people?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Did not consent to unauthorized inquiry. XXXX XXXX XXXX XXXX  Please Remove It From My Credit Report. 

Did not consent to unauthorized inquiry. XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 

Did not consent to unauthorized inquiry. XXXX XXXX Please Remove It From My Credit Report. 

Did not consent to unauthorized inquiry. XXXX Please Remove It From My Credit Report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 

XXXX XXXX  Account Number : XXXX ** Validate/inaccurate reported late payments. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 

XXXX XXXX Account XXXX : XXXX * Validate/inaccurate reported late payments. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 

XXXX XXXX Account XXXX : XXXX ** Validate/inaccurate reported late payments.
Product: Debt collection

I received a notice from my XXXX on XX/XX/XXXX notifying me of a change to my credit report. This was a surprise. Enhanced Recovery Co reported a new account to XXXX   that is listed as seriously past due in the amount {$1100.00}. I do not have any accounts with this company new or old. I do not know of this company. I do not owe this company any money. I never received any communication from such a company. I have never done business with this company. 


Steps taken : I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, the day XXXX received the alert from XXXX. While I received confirmation that the complaint was received and forwarded to the Enhanced Recovery, as of today 's date I have not received a response from Enhanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2020 to dispute 5 items on my credit report. The items are either inaccurate or unverifable. It has now been 50 days and Equifax has not replied to my dispute and/or deleted the items from my credit report. This is a violation of the FCRA 's time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

my consumer report is reporting inaccurate information. PLEASE SEE ATTACHMENTS AND RESPOND ACCORDINGLY
Product: Checking or savings account

On XX/XX/XXXX, I created a claim for an unauthorized transaction on my checking account of the value ( {$1500.00} ) made on XX/XX/XXXX. I didn't recognize this transaction.On the same day ( XX/XX/XXXX ) I had used my ATM card to withdraw cash from an ATM in XXXX XXXX as I was on a cruise and the cruise was docked for the day in XXXX, XXXX. When I tried to withdraw cash, I got the message saying " chip malfunction '' and no transaction happened. That is the only time I used my ATM card on that day. Two days later, I noticed an unauthorized transaction in my account. I promptly reported this to bank on XX/XX/XXXX. Bank has denied my claim saying that they see that the card swipe was used. I have shared with them evidence that I was on a cruise trip with family ( submitted evidence/attached ) and there is no way I would make that payment for what it seems like a restaurant catering order in XXXX. I also shared with them instances reported of the same ATM ( where I got chip malfunction note ) in XXXX, being involved in other similar fraud transactions in the last few years. Despite my repeated appeal on XXXX XXXXXX/XX/XXXX, they have refused to reconsider their decision.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from Bank of America advising me of suspicious activity on my account and asked if I wanted to authorize the charge. I responded no I did not want to authorize the charge. Bank of America at that point closed my account and issued me a new card. They did not notify me that they were closing my account and the new card is not expected until XXXX to XXXX business days. I was blindsided by the inability to use my account. I can not purchase gas, food, or anything.
Product: Credit card

This complaint is in regards to a closed XXXX XXXX card owned by Comenity Bank. 

On XX/XX/XXXX and XX/XX/XXXX I received a returned payment fee and finance charge. Both fees were refunded. On XX/XX/XXXX, I received a late fee of {$35.00} and a finance charge of {$2.00}. The fees were supposed to be refunded. Instead, I received a " late fee refund '' of only {$6.00}, and I was left with a balance. 

I paid the remaining balance in full to avoid any further fees. My balance should have been {$0.00}. 

I am asking for the removal of all fees on the account, a refund ( via check to the XXXX XXXX address on this complaint ) of the payment made on XX/XX/XXXX, and verification that the balance is {$0.00} and no further fees will be assessed on this closed account.
Product: Debt collection

I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called Exeter Finance LLC. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for two years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through repo cars ) by Exeter Finance LLC and we are sure it was sold to another client. The collection agency is XXXX XXXX XXXX XXXX, file # XXXX. Our question is ; is this legal? 
XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )