23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never done business with PORTFOLIO RECOVERY # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Product: Checking or savings account

Money was taken wrongfully out of my account putting it overdraft I dispute the problem money put back in then taken out of account again putting it even more overdraft I had to close my account leaving it with the overdraft I lost my home leaving me homeless and still pretty much homeless
Product: Mortgage

Wells Fargo did not take off a mortgage loan I refinanced with them on my title to the house. Therefore my title lists two mortgages for the one home. This means I can not refinance because they illegally kept the refinanced, paid in full, mortgage on my title. They indicated " they are looking into it. ''
Product: Credit reporting or other personal consumer reports

I was alerted during the month of XXXXXXXX XXXX XXXX XXXX saying my information was being shared or exposed but when I tried to contact the company, nothing was as resolved. Now my payments are not being processed and I have charges that I do not recall on my account. Because of this my XXXX XXXX has been deducted and I am extremely unhappy.
Product: Debt collection

After reviewing my free annual credit report, i noticed that there was an account placed for collection with National Credit Systems in XX/XX/2020. There was no written/telephone communication of this debt provided to me. I also sent a written correspondence seeking validation to National Credit Systems between XXXX XXXX of 2020. It is now XX/XX/2020 and I have yet to hear from the agency.
Product: Checking or savings account

On XX/XX/2023 I deposited a check from the covid rental assistance. There was a number clearly stating on the front of the check to call to verify the check. They put a hold on the check and told me that they wanted to make sure the check wasn't a fake and to see if it would go threw. Another bank of america employee said that government checks put stop payments on the check. They wouldn't release part of it or call the number on the check to verify it. Completely diminished my character moral by insinuating the check was fake or wouldn't go threw with out even verifying it by phone. It's now the XXXX XXXX  and I haven't received a email, call, or text explaining why they continue to have a hold but let me know they will send the check back when it expires in 60 days if it doesn't clear
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Student loan

On XX/XX/XXXX I lodged a complaint with cfpb about my forced art institute loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX v. XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full. Navient has made reimbursements to the first few applicants of the misconduct form and it is known that they set aside {$35.00} million for cases like mine. I am fully entitled to a reimbursement as I have been approved through their misconduct form.
Product: Mortgage

During COVID, I took advantage of the forbearance because XXXX am a XXXX and our industry was shut down. When my forbearance ended, Flagstar told me that I had to pay the balance in full that was owed before they would allow me to begin my normal payments. I started the process of taking out a personal loan to pay this amount, but since work was open again I continued to try and make payments to Flagstar and continued to show them the proof of the loan I was getting to pay the amount for the forbearance. Flagstar told me that I would have needed to fill out a form to extend the forbearance, but they waited until I had tried numerous times to make my payment. I asked them to send me the form. They never sent it. They claimed to have mailed it and on every occasion I never got it. ( today they seem to have an online application, but this was clearly not available during this time ). As I continued to try and make my payments, they continued to refuse my payments and tell me I needed to fill the form out and then continued to NOT send me the form. This went on for a long time. They were reporting late to my credit report and thats ridiculous. The forbearance was set up to help us when our entire industry was shut down. I was in the process of getting the funds to pay in full, but they could have begun taking payments outside of that. I know that they did this for a family member of mine! Now my credit has taken a hit and it is showing on my report. The entire time, the whole process ( even before ) was chaos and no one ever knew what was going on or what needed to be done. This has penalized me as a customer. COVID was not my fault, I was taking advantage of relief that was offered and we all know that the mortgage companies were getting help too, so why is it ok for me to be impacted when I was trying to make payments and was never explained the process before hand. Had they told me that I would need to pay the full amount at the end before they would accept anything from me, I would have asked family to borrow money or something and wouldnt have done the forbearance because in the end, it hurt me. It did not help me. This is predatory.
Product: Mortgage

On XX/XX/XXXX I sent a email asking Amerihome to up date my new lower tax bill. They replied and said, I would need to wait for analysis in XX/XX/XXXX. Analysis came back with a check, but the numbers were still wrong! They've paid the lower yearly amount of {$1500.00} twice!! I called and asked for a analysis re in- valuation on XXXX spoke to XXXX XXXX Then I spoke to XXXX XXXX I also wrote on the web site. They have been removed ... But my recent messages dates are XXXX XXXX and today XXXX Even with showing them the bill they still insist that my tax bill is {$5500.00}. When in fact it's {$3000.00} Which can lower my mortgage about by {$200.00}. a month. They need help calculating my monthly escrow! Please help me! In a couple of months, I'll be XXXX, I'm XXXX with a fix income! I think their trying to make me lose my home! ... Somebody in there department has dropped the ball and has not up dated their end!
Product: Debt collection

I had couple salesmen come to the door and pressure me into having a new roof insulation and solar panels..   They were such nice young men that I went forward with the plan. Had the new roof put on insulation plus radiant barrier. I waited about 2 months and I woke up about the {$44000.00}. dollar decision I made. I got cold feet and backed off after paying th  em {$11000.00}.
But they may have pulled out {$15000.00}. from the Synchrony Financial because they keep billing me, calling me. I keep telling Synchrony I do   n't owe them that money.   I have paid bank stubs and can prove I paid {$11000.00}. for roof and insulation.   The {$15000.00}. shows on my credit report and has ruined my credit.   I want it off. I have spoken to the young men but it means nothing to them.   I wonder how many more old folks they took advantage of.
Product: Debt collection

Portfolio Recovery Associates failed to properly validate the debts. The FDCPA states that the debt collector must contact the original creditor to affirm the debt amount being requested is correct. Portfolio Recovery Associates failed to prove it has the legal right to collect money on the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX and account reported from XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

XXXX XXXX
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.

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. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX number # XXXX Has violated my rights. 
LEXISNEXUS XXXX XXXX XXXX. 

CFPB violation.
Product: Bank account or service

I have had issues in the past with overdrafts to my business checking accounts. My bank 's online banking does not allow transfers after XXXX to go through until the next business day ( two days later ), even if I have funds directly in the bank. I work out in the field and am unable to check my online banking until the evening. The branch president and my loan officer agreed, if I e-mail them in the evening, they will make the transfer for me and I would not get the overdraft charge. On XXXX XXXX, 2016, an e-mail was sent to my banker, requesting to transfer {$500.00} from XXXX of my business accounts to the other, to cover pending deposits, to avoid an overdraft per our discussion. I checked the account on XXXX XXXX, 2016, and an overdraft of {$38.00} went to my account with no transfer made per my e-mail request. The bank is not honoring their commitment and agreement we came to.
Product: Checking or savings account

My account was frozen by cashapp bc I sent bitcoin to my own XXXX in my name and will not provide me with anymore information then that. I can not withdraw my funds to my bank or close the account.
Product: Mortgage

On XX/XX/XXXX My Father Died & On XX/XX/XXXX My Mother Died. My parents attorney listed the house into the news paper for 6 months & on XX/XX/XXXX, the House was tranferred into My husband 's & I Name! For 13 years, we never made payments because We was unaware of a house mortgage ; but as We fast foward to today ; XX/XX/XXXX we received a statement from Ocwen/PHH MORTGAGE COMPANY, claiming that We owe them {$230000.00} & We need to make mortgage payments of {$1100.00} beginning at XX/XX/XXXX for 40 years & then We have a Ballon payment of {$4300.00} at the end of 40 year & We're not to make early Payments & if we can't make full payments then We need to refinance?

Mind U, the original loan they claim my mother got was {$150000.00} ** PHH, had a habit of calling all times of the days & nights even on their off hours : harassing Us & not wanting to work with Us or speak with Us, with a civil level.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I've already tried many times to fix this with Experian. I've even begged and pleaded. 


My XXXX auto loan shows that I have been late 2 times XX/XX/XXXX and XX/XX/XXXX. Ive request to have these lates removed many time but they are still there. I've asked for a good will / good faith measure as well. See... here 's the problem... These lates do not show up on any other credit bureaus report namely XXXX and XXXX. WHY is it still showing on Experian? All the information should be the same across the board for all XXXX bureaus. This is an inconsistency. 

Also... There is the WRONG address for me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA is NOT my address. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please CORRECT MY ADDRESS to the CORRECT one. 

Also, there is an inquiry on XX/XX/XXXX from XXXX XXXX. This needs to be removed as well.
Product: Credit reporting 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. The following accounts have been investigated multiple times with all three reporting agencies. The results of the investigation have not been updated as promised and currently prove to show inaccurate information that is negatively impacting my life. I have asked for the verification of dates. Balances, matching addresss, and account information on my credit report for all displayed accounts across all bureaus. All 3 reporting companies have stated that the report is up to date and every single detail displayed is accurate. After, I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with them. Also, these accounts are over 7 years old and violate my right for how long it should be reported. 

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have had this account for over XXXX years. From day XXXX the limit was {$400.00}. To date the limit is still {$400.00}. When I inquired and ask for a limit increase I was told there was nothing they could to. That was the first time I requested to speak directly to a supervisor or underwriter. Once again I was told there was nothing that could be done. 
I ran into an issue where I had to rent a car and the hold from the previous rental hadn't released yet. They did granXXXX me a temporary ( XXXX month ) limit increase to {$900.00} so I could complete my rental. 

A day or so later I was able to secure XXXX credit cards {$10000.00} ( XXXX Fed ) and {$2200.00} XXXX. I was curious what Chase saw that these other XXXX banks didn't. I phoned to ask and they told me it was based on something that was on their own proprietary site XXXX XXXX. I had never heard of this until they told me. Supposedly it is powered by XXXX however the scores are very different. 

They also said I would receive denial letters with explanation in the mail. They never came nor was the inquiry on my credit report.
Product: Credit card or prepaid card

To Whom it may concern : I got an alert from my credit report service ( XXXX ) that Bank of America took a hard inquiry against me on XX/XX/XXXX ( Credit report # XXXX ). I have never authorized Bank of America to check my credit and I don't do banking with Bank of America. I had a security concern that someone else is using my identity with Bank of America. I had the same issue back to XX/XX/XXXX that was a fraudulent transaction with Bank of America as well ( CFPB complaint ID XXXX ) and I placed fraud alert under my name with credit bureaus. I called Bank of America on XX/XX/XXXX and spoke to customer service regards to the fraud that I was concerning. I was told there was a credit card application was summitted under my name. I have confirmed with BOA fraud department that I didn't authorize the transaction and that must be a fraud. I have requested to cancel the unauthorized transaction and remove the hard inquiries from my credit report. I was given a case # XXXX and asked to call back to follow up with the progress. I received a missed call from BOA ( XXXX ) today when I was in the meeting at work. I called back to reach out to BOA and tried to follow up with the previous case progress. I was keep being transferred to different departments and repeat my personal information and the whole story over and over again and stayed on the phone for about 2 hours. Finally I spoke to the fourth person and was told the credit card application was still open. I was told the credit card application will be closed. I reported fraudulent transaction on XX/XX/XXXX. But when I called to follow up today, they didn't find record of my XX/XX/XXXX report. I have emailed to XXXX as well and didn't receive any response so far. I strongly request Bank of America to cancel all the fraudulent transactions under my name and remove the hard inquiry from my credit report. 

XXXX XXXX XXXX