23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I paid {$270000.00} for my house. We put 20 % down - In 2020 I sold it for {$350000.00}. XX/XX/XXXX the lender ( XXXX XXXX ) submitted a {$250000.00} payoff and I took {$200000.00} cash to the next closing on a {$210000.00} house. We owe {$45000.00}. The payoff came from XX/XX/XXXXThe funds were returned to the title company twice- without a release of the only mortgage on the property. Even after payoff I had to contact FDIC to finally get the lien released. XX/XX/XXXX XXXX released the lien AND transferred it to XXXX XXXX the same day. The loan originated at XXXX XXXX which became XXXX XXXX XXXX who sold it to one West Bank who transferred to XXXX who sold to XXXX XXXX. Meanwhile I made {$640000.00} in payments including a second mortgage paid off in XXXX. The total interest reported to the iRS was {$240000.00} since XXXX. There was XXXX escrow surplus and we got {$83000.00} at closing I have previously supplied cfpb with 1 ) bank statements that verify the payments. 2 ) tax returns verify the interest. 3 ) settlement statements verify the closing figures.
Product: Credit card

Hello, I filed a dispute and Bank of America closed my dispute and refused to help me even though the company wants to return money to me. They call me back with phone numbers that do not work and when I call them they tell me my dispute it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and Experian multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to Experian and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.
Product: Debt collection

On XXXXXXXX XXXX XXXX, my social security was used to open an utility ( electrical account ) on an apartment in the state of Texas. I made an FTC report and the late payments were cleared. Few weeks after I noticed that the total amount was sent to collection. I spoke to the Collection agency and explained, they stated they will send over a fraud package to my home address to complete a form along that, I had to send over the FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX  XXXX XXXX please remove fraudulent / unauthorized collection on my report or provide proof in writing within 30 days.
Product: Debt collection

On XX/XX/2021, I received a letter dated XX/XX/2021, from Oliver Adjustment company advising me of an attempt to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$1400.00}. ( attached ) On XX/XX/2021, I sent an email to Oliver Adjustment attaching my letter advising them I dispute the debt due to the fact that this matter was settled. I also attached the cancelled check marked " settlement paid in full ''. ( attached ) On XX/XX/2021, I received an email from Oliver Adjustment advising me that they received my email and were awaiting word from their client ( XXXX XXXX XXXX ) re ; clarification of the charges. ( attached ) On XX/XX/2021, I received a phone call from Oliver Adjustment who left a voicemail. I called back, left message. They called back again, I answered and they attempted to collect the debt. ( recorded phone call ). I advised they couldn't do this until they validate the debt. ( pictured attached ) On XX/XX/2021, received a phone call from Oliver Adjustment. They left no voicemail and I was not able to answer in time. ( picture attached ). 

On XX/XX/2021, I received a letter from Oliver Adjustment dated XX/XX/2021, attempting to collect the debt again. ( attached ) Since my disputed letter of XX/XX/2021, I have received no validation of the debt, Just 3 attempts to collect.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of XXXX : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit card or prepaid card

I have this credit card opened XXXX months ago. I always send my payment XXXX weeks before payment due date. this billing XXXX to XXXX I saw this late fee charged and interest charged. 
I called up the bank several times that my payment is mailed XXXX weeks before due date the last XXXX months billing. they refused to reimburse it. 

my son and my wife bank with them too. I just found out this bank is the most hated company. 

my account has limit line deposit guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian willfully and knowingly failed to respect my consumer rights to privacy. They reported inquiries that I did not authorize or consent to. Experian is now civilly and criminally liable. I sent an affidavit of truth, proof of violations and an invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to dispute my credit report, but XXXX continue to send back information verified. If I can't find results my next step will contact FTC and Attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX  I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Transunion, has been advised, and I have tried to remove multiple names reported on my credit report. I do not go by any of these and never have. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The only way I spell my name is XXXX XXXX. I have tried to delete these as well as contacted Transunion to delete them. After several attempts I have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX I purchased in 2012. I used my employee discount to purchased the car. When I look at the car pay off it still shows I owe XXXX dollars in pay off. This can not be right. This was a simple interest loan taken on the car at 10 % for 72 mths When I look at the payment history of the payments made, I see when I make a payment some of the money will go towards the card and some will go towards interest. For example. One month I paid XXXX dollars on the loan they put XXXX dollars to the principal and XXXX to the interest then the next month I paid XXXX dollars again. They put XXXX to the principal and XXXX to the interest the next month I paid XXXX dollars and they put XXXX to the principle and XXXX to the interest This is NOT correct there should be a certain amount each time going to the interest not jumping like that. I will never pay the car off at this point. At 5 years this car should be paid for through Santander Consumer USA if I received a 5 % discount on dealer invoice. Something does not sound correct here. They are not doing something right. Even if I deferred 3 payments I should not owe XXXX dollars left on the car in this amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the creditor ( XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature
Product: Debt collection

AMCOL SYSTEMS, INC ( Original Creditor : AMCOL SYSTEMS , INC ) has failed to send me a response with my requested information for alleged collection account XXXX the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore AMCOL SYSTEMS INC is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Money transfer, virtual currency, or money service

I had to pay a person I found in an online tutoring website that I have to pay {$150.00} to get help from online college tutoring. The first time I paid {$100.00}, then the person said to pay {$50.00}. After that the person said I need to pay more which I never agreed up on. I requested a refund, but he said no. I looked up on the XXXX website on Zelle customer service and I gotten the number to call. I called the Zelle service number but a different person showed up, and told me that I have had to pay back {$490.00} in order to receive a payment back of a total of {$640.00}. When I did, the person has hung up and never answered my calls. He convinced me since he knew that I already paid before to a scammer without him saying anything. 

As I found out I was under a cyber fraud-attack, I called my bank and filed a transaction dispute, of the three different transactions of Zelle I did. I waited for about 11 days until it closed down. I called my bank to see what is up with the update and if I will get back my refund. My agent told me she cant do anything or the bank since it is part of a third-party, which is Zelle I must contact. 
After I contacted Zelle with the right actual customer support number this time, they told me they cant do anything either. I was lost at this point and my whole family upset that I gotten scammed {$640.00} which never happened to me before, but a similar issue did happen to my father back in 2020, when he tried to purchase a bird from XXXX and gotten scammed also over {$1500.00}, using Zelle and no refund was able to happen. He never got his bird or money back. 

I really hope you staff can help me with this issue. 
XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect late payment entry on my credit report associated with XXXX XXXX  XXXX, which is listed under complaint number XXXX. This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 USC 1681, Sections 602 and 604 ( 2 ), as well as 15 USC 1666b. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> Amount : {$460.00} Violation of FCRA ( 15 USC 1681 ) : The inaccurate late payment entry is a clear violation of the FCRA, which mandates accurate and fair credit reporting. 
Violation of FCRA Sections 602 and 604 ( 2 ) : These sections outline the responsibilities of credit reporting agencies to maintain accuracy and the permissible purposes for which credit information can be furnished. The false late payment entry fails to meet these standards. 
Violation of TILA ( 15 USC 1666b ) : This section of TILA requires creditors to promptly credit payments. The alleged late payment was actually made on time and should have been credited as such.
Product: Checking or savings account

I had an issue with a wire transfer on my chase account. XX/XX/2023. When I 1st called the rep from their XXXX location told me I had to find another way of sending money. I then spoke to a supervisor in Ohio she went through a verification process which the other person did not do and told me to submit it online again. It was denied. I went to a branch in XXXX XXXXXXXX fl to fix the issue. Rep did not appear to want to help me. She contacted department and gave me the phone so I could verify again with them. While doing this rep continue to text on her phone not keeping herself available for my service. When done she wanted to charge me more to do the wire transfer. I told her I do it myself and left. She was rude and not very helpful since she did not appear to want to do her job. I file request for wire transfer a 3rd time. I get a call from rep in XXXX and he wanted to verify again. I had to tell him I just got done doing it. It finally went through. I called and filed a complaint regarding issue with wire transfer and rep. No one ever called me back. On XXXX XXXX I was trying to transfer money from savings to checking. It was not working. I called and spoke to rep about issue so she did the transfer for me and contact chase it department about issue. Afterwards the I found transfer went through from rep and online. I get a text on XX/XX/2023 saying my savings is XXXX balance. I get on line and only see my checking account and car loan. 

I also show on checking that a payment to XXXX XXXX  cleared on XX/XX/2023. I got a call from my insurance agent that my account was frozen and they never received payment. When I called about this issue they said account was frozen on the XXXX. But yet it shows payment is cleared. No one wants to provide any info and I keep getting hung up on. 

I call chase and they tell me that that they closed my accounts and sent me a letter which I have not received. They won't give me a reason. But yet I still have my car loan. I have never had any major issues with them until I did a wire transfer and this rep from the bank along with issues online,. I have been with them 20 plus years. The bank created all these issues and appear to penalize me for their mistakes by closing my accounts. I never even received a call back from a manager in regards to my complaints. 

I never go into a bank unless it is absolutely necessary. All banking is done online and I use secure codes when I access my account. All their issues cause me extreme frustration and now they penalize me for them by closing my accounts. 
They are holding my money hostage!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concerns regarding the overwhelming influx of unsolicited phone calls I have been receiving since applying for a mortgage. The sheer volume of calls from various mortgage lenders received at all hours of the day, has not only disrupted my personal life but has also significantly impacted my ability to conduct business without interruption. In the span of just a day and a half, starting from Monday afternoon XX/XX/XXXX to Tuesday evening XX/XX/XXXX, I have received a staggering 59 calls on my personal cell phone and 43 calls on my business cell phone, totaling 102 calls, all of which have persisted from XXXX XXXX  until XXXX XXXX, and are continuing. 

I am baffled and deeply troubled by how my personal information has been disseminated so widely without my consent, just by having my credit run for my mortgage. This breach of privacy has left me feeling extremely disconcerted and vulnerable. 

I implore you to take swift and decisive measures to address this grievous breach of privacy with all three credit reporting platforms, Experian, XXXX, and XXXX. Any guidance or support your team can provide in resolving this matter would be invaluable. 

I trust that you will recognize the severity of this issue and act expeditiously to rectify the situation. 

Thank you for your attention to this matter.
Product: Debt collection

I was a patient at a XXXX XXXX XXXX  facility called XXXX XXXX, XXXX XXXX from XX/XX/2018 until XX/XX/2018. I was initially admitted to the facility under the agreement that the cost of my stay would be covered by my health insurance, XXXX XXXX XXXX. After six weeks into my stay, it was discovered that my health insurance had terminated due to a payment issue with the XXXX  website and I was informed I had to sign an agreement that stated I would be responsible for the total cost of my stay at inpatient and the remainder of my stay at their sober living and IOP. ( My health insurance had mistakenly approved all the days of my stay up until that point ) I was told that if I did not sign this agreement I would have to leave the facility granted at the time I was still medically recovering and did not have any where else to go. 
I reluctantly signed the payment responsibility agreement under duress and informed the staff at the facility that I would work with my former employer and XXXX  to try to have my health insurance reinstated so the payment matter would be fixed. Two to three weeks later while I was waiting to hear back from my former employer, the staff at the XXXX XXXX XXXX XXXXXXXX XXXX facility told me they could no longer wait for payment and that I had to be discharged. The director of their XXXX  facility, XXXX XXXX and her coworker were extremely bullying and stated to me this is your fault because of your XXXX XXXX XXXX XXXX Three months later, on XX/XX/2018, I received a letter that stated I owed a {$13000.00} + bill to XXXX XXXX for the cost of my stay at their facilities. I called their billing department to inform them that I was not responsible for the payment and that the responsibility belonged to my former health insurance provider, XXXX XXXX XXXX. 

The bill was eventually turned over to a creditor, Credit Management. The amount for the bill now stands at {$11000.00} I do not owe this money, I signed responsibility for the payment only because I was under duress and I was not XXXX  in the right state of mind to sign as evidenced by my then need for a stay at a treatment center. My signature on the patient financial responsibility document ( attached ) was not notarized.