23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello. My name is XXXX XXXX XXXX from CT. I am a XXXX year-old retiree from the XXXX XXXX XXXX XXXX. ). Recently I have incurred several medical bills that I can not keep up with. I have tried to pay my co-pays when I was able, but I am living on a very fixed income ( Social Security and a small pension $ XXXX monthly ). I was receiving daily and Sunday phone calls from this debt collection agency called American Adjustment Bureau. IOn XXXX of the calls I asked them to please stop. They replied " fine ''. The phone calls stopped but today I received a " privacy Assist Statement from my Bank, with a list of XXXX XXXX XXXX XXXX small co-pays that are delinquent. They were, evidently, reported to XXXX. There is no explanation of who they are from and today I have received another XXXX. My lawyer friend advised mje that they are " paying me back for asking them not to call by over-sending reports to the credit-reporting companies to embarrass me and further lower my credit status. Is this legal? Is it harassment. I feel that I am too old to take them on myself and wonder if there is anything else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following collection account on my consumer credit report : XXXX, XXXX- {$620.00} ( Acct # XXXX ) - XXXX XXXX  XXXX  XXXX - {$790.00}. ( Acct # XXXX ) These accounts were previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
Product: Mortgage

My mortgage account is currently in bankruptcy. Approximately around XXXX 2015 I submitted complaints to both the CFPB and XXXX in reference to SunTrust charging me {$1700.00} in fees. I was not notified of the fees and SunTrust also gave their lawyers inaccurate account information that led to a foreclosure process. In XXXX I received a letter advising that {$110.00} in fees was valid and the difference was credited. I called SunTrust to verify the amount I needed to pay for my Mortgage since there was going to be a scheduled change in the amount. Since I was advised my account was current, I was able to speak to a regular agent instead of being transferred to the Bankruptcy team. I also inquired about the fees owed. The agent advised me it was {$20.00}. I made sure to reaffirm the amount. I went into the branch and made my regular payment in addition to the {$20.00} in fees ( XXXX 2015 pymt ). In XXXX 2015 I received a letter advising that SunTrust filed post-petition fees in XXXX 2015 with the Bankruptcy courts in the amount of {$120.00}. This was the first time I have seen this document. Why was this amount not discovered during the four weeks of investigation on my account in XXXX 2015? Is the {$120.00} in addition to {$110.00} I owe? I hope this is another misunderstanding. I need to know EXACTLY what is owed in fees. So far I have been given various amounts from SunTrust ( {$110.00}, {$20.00} and now {$120.00} ). Also I called again just last weekend and your XXXX now has my account as past due. Please also note that due to my account being current I was denied a loan modification earlier this year. These conflicting status and amounts on my account is unacceptable and needs to be addressed. The inconsistencies make it quite hard to trust that all the departments are sharing appropriate information to manage this account. I hope this would be my last complaint and I would be able to get my account straighten out. I have attached a copy of response from the first compliant and the post-petition notice for your review. I should not have to spend this much time on this issue..
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to XXXX XXXX on XX/XX/XXXX due to having a charge off on my account from this company back in XX/XX/year>. I was trying to take care of this small amount that I apparently owe because it is causing harm to my credit report. I was told the loan was sold to XXXX XXXX a debt collector and I should reach out to them. So I reached out to XXXX XXXX  only to be told they sent the account back to XXXX XXXX .I reached out to XXXX XXXX and they do not have my account either. I have several concerns if this account was closed and sold why is it that possible still claiming this account on my credit report and why is it that neither XXXX XXXX  or XXXX XXXX  have my account information. I have been trying to deal with this in the right way but I believe possible is not operating in good faith and I would like them to removed this from my credit report. I have tried to reach out to possible for anything but they have not returned my last email and their is no phone number you can call to speak to anyone this is completed frustrating
Product: Debt collection

I have contacted Equifax numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called XXXX XXXX XXXX nor gave anyone else the permission or the authorization to use my information. I have contacted Equifax to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. Equifax never conducted a proper investigation. I have requested their method of verification from Equifax and from XXXX XXXX XXXX  but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with XXXX XXXX XXXX is a result of mail fraud, please help me resolve this misunderstanding.
Product: Debt collection

My personal information was used to open credit and debit accounts. My previous address is currently residential care facility and fraudulent mails was sent to that previous address that I dont have access anymore.
Product: Checking or savings account

On XX/XX/2021 I received a call from Ally Bank fraud protection department that if I just made multiple withdrawals from my account. I said no. They asked if I had my debit card at hand, I said yes. The were other withdrawal attempts after but were refused due to this act. I disputed the amounts told and was refunded days later. There was an investigation made by the bank and their result was that the transactions were my liability since the pin number was entered only once and to them that claims that I withdrew the funds. I called and disputed again and they insist that the withdrawals were legit. I keep calling to dispute and still same result. These transactions in question were withdrawn at a location that was XXXX miles away. I even sent a picture of myself for comparison to the ATM photograph and still same result.
Product: Debt collection

I pulled my three ( 3 ) credit reports on XX/XX/XXXX and found a collection that is currently being reported by Portfolio Recovery Associates , LLC. 

I sent this company a letter dated XX/XX/XXXX seeking more information and " Validation '' of this alleged collections. 

The company responds via letter dated XX/XX/XXXX by sending me a one ( 1 ) page response informing me of when they purchased this debt, but no supporting information such as 1 ) First date of Delinquency 2 ) Sumary of Account Activity 3 ) Contractual Agreements How can you deny that the information you are suppose to investigate from an electronic file, be accurate, without providing the consumer the information that " you '' have reviewed? 

I sent them a second letter on XX/XX/XXXX, with the same request as I did in XX/XX/XXXX. They responded on XX/XX/XXXX likewise with no tangible or authenticated information for me to review and assess if this debt truly belongs to me. Instead, they refuse to invesitage and informed me that no further replies will occur. 

I do not have any information from them, only that they purchased a debt that is accurate to them. They have violated all of my consumer rights pursuant to 15 USC 1692g ( a ) ( 1-5 ) ( b )
Product: Debt collection

This company has been reporting the same information on my credit report for a while, I have had this information disputed on my credit report and it was removed. Every couple of years the information would appear on my credit report again. It is causing me a lot of problems. I am trying to purchase a house and this information keeps popping up. I have tried to contact the company but no response. I just want this problem handled.
Product: Consumer Loan

Common issue with all auto loans, I was late on my payment, and I 'm always on time with making payments with auto loan companies. This auto finance company has been harassing me every single day! They 're constantly bugging for a payment. This is my ONLY late payment with this company. I recieved a call the 1st day of bill, and immediately the manager was really, extremely rude, and being very hostile! I 've hit a rough spot this month because my wife was on maternity leave. We do n't need this type of hostility from this company. I am very upset that they go out of their way to call 5 references over 1 late payment. I already notified them prior that I will be late this month, but will definitely make the payment. This company has had a lot of issues, rudeness, and hostility towards customers. XXXX and XXXX has them only 1 start on the website reviews. So, I 'd like to have them stop harassing me and stop this XXXX they 've been giving me and my family. I 'm not a happy customer with them at all! They 're supposed to treat their customers fairly and nicely if you 're doing business with them. I hope something can be done to put a stop to this.
Product: Payday loan, title loan, or personal loan

I received a loan years ago and paid the loan off. Upon checking my credit I noticed the loan company ( XXXX XXXX XXXX ) reported to the credit bureau the loan is in collections on XX/XX/2018. This information should be removed from my credit report on all three credit bureaus due to the loan being paid off years ago. It's seems to keep resurfacing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXP XXXX
Product: Credit card

Hi I called XXXX  XXXX to order XXXX  currency that I wanted to pick up the next day. They asked for {$200.00} deposit before I can order the currency, so I gave them my credit card info on the phone. My credit card is Barclays Aviator Master Card. On XX/XX/year> a cash advanced for {$200.00} appeared on my credit card. Today I found out that the XXXX  XXXX was able to get into my cash advanced and withdraw {$200.00}! The cash advanced that I never used and never asked for it, it was somehow given to me! 
When I asked the customer service of Aviator Master Card how where they able to take money out of my cash advanced, they informed me that they were able to do the withdraw transaction via wire transfer. I asked them how were they able to take money from my account using wire transfer they could not answer me. then I asked them if I can just pay the {$200.00} to avoid about {$4.00} interest charge every month, they said : " you have to pay your whole balance, you can not just pay the {$200.00}. '' How can Aviator Master Card Allow another company take money out of my cash advanced? 
Also why I can not just pay that portion of my cash advanced? 
Please Help me out! 
Thank You so much!
Product: Credit card or prepaid card

I opened a XXXX  XXXX XXXX in XX/XX/2018. When it came time to make my first payment ( for a bill that was due on or around XX/XX/XXXX ), I first tried to make an online payment on XX/XX/XXXX and inadvertently entered the wrong bank account information online. This should have been an easy error to correct, but XXXX   failed to notify me ( either by phone, mail or email ) that the payment did not go through. A couple of weeks later, after noticing that the payment had not been deducted from my bank account, and a couple of days before the XXXX  XXXX XXXX bill due date, I attempted to make the payment again on XX/XX/XXXX with the online payment information that has been saved to my account. On XX/XX/XXXX, after noticing that the payment still had not been deducted from my checking account, I called XXXX  XXXX XXXX customer service. Although I had signed up for email alerts and first attempted to make a payment several weeks ago in XXXX, that call was the first time I was informed by XXXX that my payments had been rejected, that online payments for the XXXX XXXX XXXX had been suspended, and that my XXXX XXXX XXXX had been canceled. I paid my bill over the phone with the correct bank account information ( which was deducted from my bank account the next day on XX/XX/2018 ). 

If XXXX had timely informed me when my first online payment was rejected, I could have fixed the bank account information and paid the bill well before the due date. When I complained to XXXX  XXXX XXXX customer service about this lack of notice, I was told that XXXX had no obligation to notify me of returned payments or account closures. In fact, I did not receive a written notice from XXXX  informing me that the online payments did not get processed until XX/XX/XXXX ( with the letter dated XX/XX/XXXX, the same day I called XXXX XXXX XXXX and made a payment via the phone ). That same day, I also received a letter from XXXX  ( dated XX/XX/XXXX - the day before the letter notifying me that my online payments had not been processed ) announcing that they were closing my account because of too many returned payments. 

I used to be a frequent customer at XXXX but after my terrible experience with XXXX XXXX XXXX, I will avoid shopping at XXXX going forward.
Product: Debt collection

I had investment property that was the subject of a foreclosure lawsuit in XXXX XXXX, Illinois. The property suffered serious internal damage because of negligence by the former tenant. The servicer, XXXX XXXX XXXX XXXX allowed the homeowner 's insurance to lapse. My payment consisted of principal, interest and escrow. I 'm currently a class Plaintiff in a pending lawsuit against XXXX XXXX. To make a long story short, I was not financially able to repair the {$10000.00} + damage and attempted to work with XXXX XXXX. They retained a law firm and I was sued in a foreclosure lawsuit. I have worked out the deficiency judgment with the plaintiff 's attorney. Sometime in XXXX ( XXXX ), I received a letter from a collection agency called " Clear Spring Loan Servicing '' along with a " Limited Power of Attorney ''. The POA has no account number, no address, my name is not included. I hired a consumer advocate and she received another " Limited Power of Attorney '' dated in XXXX. Again, there is no name, property address or account number listed on it, and it is lacking the notary seal as well. XXXX XXXX from XXXX, a well-respected consumer advocate investigated the contents and contacted the people listed on the Power of Attorney forms. It was discovered that " XXXX XXXX '' is really XXXX XXXX XXXX XXXX, XXXX, Assistant General Counsel of XXXX in XXXX. XXXX XXXX denied signing the Power of Attorney and said his signature on the alleged power of attorney is a forgery. XXXX XXXX contacted XXXX XXXX who is indicated as a " Vice President '' of XXXX on the XXXX bogus power of attorney. XXXX XXXX denied that was her signature and considered it as a forgery as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2020 Navy Federal Credit Union opened a checking / savings account for XXXX XXXX ( My name is XXXX XXXX. ) based on fraudulent information. Beginning with phone calls in XXXX, numerous letters, and a FTC identity theft inquiry, I and Detective XXXX of the XXXX Police Department requested a copy of any information related to the fraudulent application. Such forensic information can help identify the perpetrator ( s ). 

XXXX only response is to confirm that the account is closed. For more than XXXX months of phone calls, registered letters, inquiries from the XXXX Police Department, my providing a copy of my drivers license / notarized signature / police report, XXXX hasn't responded to the basic request : copy of the fraudulent application, information on the source of the initial deposit and return of the deposit, computer address, identity of who recommended XXXX XXXX for membership, XXXX follow-up on fraudulent applications, etc. 

XXXX ref # - XXXX My concern is that failure to follow-up on these frauds makes it " risk free '' for the perpetrator. It contributes to consumer stress since I have to initiate an array of identity theft protocols. 

XXXX lack of response to a consumer and cooperation with law enforcement is appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the FCRA section 611 Procedure in case of disputed accuracy. Equifax is reporting inaccurate information on a XXXX XXXX account on my consumer report. Reporting of inaccurate information is a violation and this is hurting my reputation. FCRA section 611 states, ( A ) IN GENERAL. -- Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer, or reseller. 

Equifax was notified over 45 days ago and still has yet to remove this inaccurate information from my consumer report.
Product: Student loan

A few months ago, I had filed a complaint against AES for Deceptive and Unfair practices per a private educational loan for $ XXXX I had secured back in XXXX. See Complaint ID : XXXX AES had this student listed as someone who made an initial repayment on the loan and then suddenly stopped making further payments. This resulted in being Blacklisted as Defaulted Loan Presently 90 or More Days Delinquent. Indeed, AES had the following notation in my Credit Report ( CR ) : AES 120 - 149 Days Late. After initially complaining to CFPB about this deception, AES appeared to have fixed the report by updating the CR to reflect : Your account is current! However, to my dismay, I recently on XX/XX/XXXX, applied for a Grad Plus loan but was denied based on what AES was now claiming, that being, " Defaulted Loan Which Has Been Claim Paid. '' There is no doubt this labeling creates an adverse circumstance that resulted in this student being denied a regular XXXX XXXX loan. See attached copy of Letter of XXXX from Federal Student Aid.

At this juncture, it is important to note that " Any Title IV debt that is currently in default '' serves as a legitimate barrier for consideration for a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

CB INDIGO - Past due is XXXX. Then payment status should be current & Comments should be closed.
Product: Credit reporting or other personal consumer reports

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 I looked at my Transunion credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or prepaid card

On XX/XX/2020, I received a letter from Capital One dated XX/XX/2020, stating my credit limit on my card was reduced from {$10000.00} to {$5000.00} " to better fit my usage. '' I called this bank at approximately XXXX XXXX central time and spoke to XXXX, the supervisor. When I requested him to pull credit to re-establish credit worthiness because I wanted my credit limit put back to {$10000.00} due upcoming expenses i was planning on using the card for, he denied my request and stated I would need to wait 6 months to be eligible to pull credit and apply for credit limit increase. His employee ID is # XXXX and the case # is XXXX. 

I called back at XXXXXXXX XXXX  on XX/XX/2020 and spoke to XXXX, who is another supervisor. She stated the same details as XXXX. Her employee ID is # XXXX and the case # is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has Requested this account be deleted. 

SEE ATTACHED