23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian dated XXXX including all of the necessary information for them to conduct a proper investigation of my account with XXXX XXXX for my car loan because it is being reported late from XX/XX/XXXX to XX/XX/XXXX. Now this account was set up for auto pay but XXXX XXXX did NOT REQUEST the payments for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I found out something was wrong in XX/XX/XXXX and immediately started making bigger payments to catch up until I finally did in XX/XX/XXXX. In my dispute I requested Experian to contact XXXX XXXX  and investigate. They did not. All I received was a letter dated XXXX saying the dispute " does not appear to have been sent directly by you ''. I don't understand how they can say that when I included a copy of my drivers license, my social security card and all my bank statements with my name and address on them. I called Experian on XXXX and spoke to XXXX at XXXX eastern who originally said they had not received any disputes from me in the last few months. Then she corrected herself and said there was a dispute in XXXX but only for my name date of birth and email.
Product: Checking or savings account

on XX/XX/2018 my account was overdrawn by {$63.00} the following day XX/XX/2018 i am going to deposit {$70.00} so that i will not be charged by insufficient fee but when i check my account online i was charged 3 insufficient fee of {$34.00} total of {$100.00} i called the bank and ask them why they charged me of 3 insufficient fee they said that my account was overdrawn 3 times i told them that on XX/XX/2018 i still have enough fund in my account .they did a double entry to my account that is why my account was overdraw 3 times.I told them that i will file a complaint.i even ask them if they can wave the penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports.Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting : BAY AREA REC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$880.00} BAY AREA REC ( XXXX XXXX XXXX ) XXXX Balance {$490.00} Date Opened : XX/XX/2020 BAY AREA REC XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} Date Opened : XX/XX/2020
Product: Debt collection

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Mortgage

I have been reporting to you previously that this Gregory Funding was involved in charges to my account. 

I want to report this time the possible fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. 

This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, Constable XXXX XXXX, constable XXXX XXXX, XXXX XXXX employees, Judge XXXX XXXX, XXXX XXXX Police Department and other involved from XXXX 

I presented report XXXX to XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited to the robbers finish with the robbery in XX/XX/XXXX in XXXX. 

I also reported this robbery on XX/XX/XXXX, when robbers stole my house and personal belongings. 

Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house.
Product: Credit card or prepaid card

I have tried calling the company to get this resolved but have been unsuccessful. I went to get a loan and this credit card that I have no knowledge of was on my report as a negative issue subsequently I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) -XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX  # XXXX -15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

There are several unknown and inaccurate accounts displayed on my consumer profile. this is making it extremely difficult to obtain credit. reminder according to the FCRA any items posted without verification must be removed immediately.
Product: Debt collection

AD ASTRA Recovery Services Inc XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XX/XX/2020 : A validation of debt letter was sent via certified mail for further details stating that I owed AD ASTRA Recovery Srevices. 

XX/XX/2020 : After the company sent me a letter stating that I had debt, a subsequent message was mailed to confirm validity. 

XX/XX/2020 : This company has negatively reported this debt to Credit bureaus after my dispute and they continue. This has created the following : A consolidated lawsuit : -FDCPA Section 805 ( b ), FTC opinion letter Cass from XX/XX/XXXX.They have not validated my debt yet continue to pursue collection activity. ( {$1000.00} ) -They have not validated debt but continue to report to credit bureaus. ( {$1000.00} ) -Have not validated the debt yet continue to pursue colection activity by filing for a judgement. 

-FDCPA Section 811 ( a ) ( 2 ) : Collector must be in the county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit.
Product: Credit card or prepaid card

I have attempted to make multiple payments on a recently opened credit card with Gemini/XXXX  and according to my bank XXXX XXXX XXXX they never received the ach withdraw requests. I have double checked bank account information and verified I can withdraw and deposit to another product Gemini/XXXX  offers. There appears to be an error in their system as I still can not make a payment to any balance owed resulting in endless late fees and bad marks on the tradeline. I have recently reached out to the company for resolution and they refunded the late fees however the system still won't allow a payment to be made and they are continuing to report negative marks on the tradeline.
Product: Debt collection

XXXX XXXX {$590.00} Account # : XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within XXXX  days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Product: Debt collection

Was contacted by an employee of the Financial Account Services Team ( " FAST '' ) on behalf of debt owed to XXXX ( " Creditor '' ). Was told by the employee that unless the balance was paid in full immediately, a judgment would be filed. Told FAST the money being requested would not be able provided and would need to make payments on the account. 

Employee indicated " it was time to stop playing games and that FAST had tried calling many times to resolve the debt. '' Told employee was unaware of the collection efforts but agreed the debt was valid and would make payments if FAST agreed to such ( and not file a judgment ). Employee stated, " XXXX XXXX, payments will not be accepted and it is time to stop playing games and pay the balance in full, otherwise a judgment will be filed. Stop being ignorant. '' Told member such language would not be tolerated and hung up. 

Contacted the Creditor and explained the circumstances. Creditor indicated a call would be made to FAST to see if any arrangements could be made. Received a call from the Creditor indicating FAST had agreed to make payments. Creditor also apologized for the inappropriate actions of the employee of FAST. 

Immediately contacted the employee of FAST to schedule payments and was forwarded to another employee. Employee set up payments and apologized for the actions of the other employee. Told FAST that the initial employee was no longer allowed to call again. 

It is my understanding this type of language is a violation of section 806 of the Fair Debt Collection Practices Act, as it is inappropriate to call a consumer ignorant. Per the Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act : Section 806 -- Harassment or Abuse Section 806 prohibits a debt collector from any conduct that would " Harass, oppress, or abuse any person in connection with the collection of a debt. '' It provides six examples of harassement or abuse.
Product: Mortgage

On XX/XX/XXXX, I received my XXXX file. File number XXXX. What was reported by Bank of America, my mortgage loan was that I have a Fixed Rate Mortgage. It was reported twice. The first date it was reported was on XX/XX/XXXX as a Fixed Rate. The second date was reported on XX/XX/XXXX. First and foremost, I have not refinanced my mortgage with Bank of America. My loan was bought when Countrywide Home Loans was purchased by Bank of America. I have never had a FIXED RATE MORTGAGE with Countrywide Home Loans or with Bank of America. I have a 30 year Conventional Adjustment Rate Mortgage. I have taken pictures of what was reported to XXXX. Additionally, I 've taken a picture of my latest mortgage statement that shows I have a 30 year Adjustable Rate Mortgage, that is affiliated with the one year Libor. My mortgage rate is adjusted every year. My new monthly mortgage payments change on the first month of XXXX of every year. Please investigate this matter thoroughly. As I do think Bank of America was colluding with XXXX and XXXX. My Bank of America Account number is XXXX. My XXXX Equity Line of Credit number was XXXX. My XXXX Account Mortgage Account number was XXXX. I, honestly believe I 'm a victim of Libor Rigging Scandal. Or a victim of Credit Debt Swapping.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had account with XXXX and I called them before I move but they billed me after I moved then I called them they said they will fix it but they didn't .they have conversation record you can ask. But finally falsely they reported to Equifax XXXX. But Equifax also updated that
Product: Checking or savings account

Fraud transactions for {$5600.00} on XX/XX/year> at XXXX. Capital one refused to reverse the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are the inquiries i didnt authorize and are fraudulent on my credit report 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX denied a credit increase. My credit score is in the good range. they cited 7 reasons denied according to XXXX. Called XXXX and they denied that any of the 7 issues were on my credit report. Tried to call credit dept to correct and they denied to do office and all phone numbers were leading back to department that denied to do correction. Would not give corporate phone number. Ruined my reputation and sent lies in a letter for credit denial.
Product: Credit card or prepaid card

First Tech Choice World MC ; on XX/XX/XXXX i noticed ( 4 ) fraudulent charges on my XXXX XXXX XXXX from XXXX XXXX of {$99.00} {$99.00} {$120.00} & {$100.00}. I contacted First Tech MC dept of the fraud. About 4 days later 2 pages showed up from XXXX XXXX a watch and a scrabble game. I contacted First Tech and they advised me to return to a XXXX XXXX store, I did and was credited the {$120.00} and {$100.00}. 
However the ( 2 ) {$99.00} charges remained on my account. I contacted them, 3 times on the phone and my husband went into the branch ( during Covid ) to get some clarity why these fraudulent charges still appeared? They advised waiting for the XXXX paper statement and the charges would be credited. 
I rep 'd the XXXX statement and the charges were credited however, today, on XX/XX/2020 the charges still appear ( with no credit ) on my PC app and my mobile First Tech app????? 
I spent 54 minutes on a call, the XXXX, with them today and the rep put in a ticket as to maybe a file wasn't uploaded, blah, blah, blah ... ..she assures me I did receive a credit even tho it doesn't appear on my pc or mobile app and I'm not being charged interest on it. Why? because she said so? She said the balances are the same ... they can't be if one has 2 charges of {$99.00} credited and the other doesn't ... .it 's called MATH.
Product: Debt collection

XXXX has placed me in collections for {$340.00} XX/XX/year> Credence Resource Mana This is identity theft I have never lived in the state of Michigan where this bill originated.
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 : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : 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 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 card or prepaid card

I received a bill from XXXX XXXX- a credit card I never opened. The bill was for {$3100.00}. I called to complain that this was not me and I did not order this merchandise. It appeared to be an on line order. I reported this as fraud and TD Bank sent me a claim form asking for ALL of my personal info. Of course I did not send this to them. I called and said I would not send them my info and to cancel this account as fraud. XXXX XXXX the fraud and risk specialist said they did n't need it and just send in a signed paper that this was not my account. I asked why they asked for it if they did not need it. VERY SUSPICIOUS!!!!!! I believe TD Bank is a scam and would like to report them.
Product: Student loan

there was no reasoning with sallie mae they were ruthless threatened us would not take any partial payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reposnse. Also, Ive made contact with Transunion multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation. 

This is becoming a very stressful situation to me and my family with inaccurate information being reported on my credit report. I hope this matter can be resolved.
Product: Mortgage

My loan was transferred from XXXX to Shellpoint in XXXX. I received written notification of this from XXXX, and presume it was due to their bankruptcy. I was current on my mortgage, but have been unable to pay the XXXX mortgage, because Shellpoint has yet to send me any information other than 2 e-mails. I can not pay, as I don't know where to send the loan, I'm unable to create an online account because they have not assigned a user name, etc. 

I've called their customer service number, but they put you on hold, while giving you the option to leave a message for a call back. I tried that a few times, but never get a call back. If you stay on their phone line, you eventually ( after @ 11minutes ) get automatically transferred to voice mail and are forced to leave a message - which they still won't return. 

They are more than happy to send me demanding e-mails to make a payment, to which you can not respond successfully, nor can I comply - as they've not given me the information necessary to do so. 

They informed me I would receive written correspondence, but that has not occurred. In their welcome letter they stress how important it is to pay the mortgage on before the due date, and their welcome letter is sent about a week after the due date. 

All of their listed methods of contact have not yet worked. 

XXXX said that they can't help.
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.