23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother has XXXX, she needed XXXX. I applied for some personal loans to help pay for the XXXX and got over my head. I joined a debt consolidation that made a lot of promises that they did n't keep. They were taking my money and making payments to XXXX XXXX, but XXXX XXXX was n't accepting them as regular on time payments because they did not approve the program, although no one told me that. So the account eventually went to Vital Solutions collections. I found this out by calling XXXX XXXX to try and come up with a solution, they sent me an email saying that I would now need to work with XXXX XXXX. I contacted them on XXXX XXXX and spoke with a gentleman. I explained to him the situation, and told him that I would n't be able to make a payment until XXXX XXXX. He said that it was fine, and that he would note the account that I would n't be able to make a payment until that date. He said if anyone called me, to just let them know that there are notes on the account. Around XXXX XXXX, a debt collector named XXXX from Vital Solutions started calling me at my place of work regarding this account. I told her that there were notes on the account, and explained my family 's situation. She told me that I had to pay something now and that this was a very serious situation. When I explained to her that I could n't do anything until XX/XX/XXXX, and that I have to feed my child, she told me that I had to pay something and that she would continue to call me every three days. She started harassing me, calling my cell phone, my work phone and my parent 's home multiple times a day. She told my father that I was in serious trouble and that I needed to call her back. My parents knew nothing about my money issues and with my Mom 's XXXX, I really did n't want them to know. XXXX and I had discussed me possibly being able to take some money from my 401K, I told her I would let her know if this was possible. It was not, they turned me down. On XXXX XXXX, I had had enough of XXXX calling my parent 's home early in the am before they wake and calling my work multiple times when I have a call center job. I can not be getting calls from debt collectors on my phone at work when my job is to answer customer calls. I called Vital Solutions in the afternoon on XXXX XXXX to tell them that they could not call my work. I spoke with XXXX XXXX and explained my situation. She said that she removed both my work number and my parent 's number and that XXXX would not call me back until XX/XX/XXXX. Today on XXXX XXXX, XXXX called my work phone, my parent 's phone and my cell phone all around XXXX PST time. I called right back and XXXX XXXX answered, she was shocked that XXXX called me as she said that she removed the numbers from the system and also personally spoke with XXXX telling her not to contact me until atleast XX/XX/XXXX and never to call my work or parent 's home again. The calls are recorded. I then spoke to XXXX who agreed that she did break the law by contacting me after XXXX removed those numbers from the system and told her not to.
Product: Debt collection

This collection agency has been reporting late payments to all credit bureaus for a mortgage that was foreclosed on in 2013. Please see mortgage documents that states this mortgage was cancelled. They collected {$5000.00} from my husband and I while we were under duress. We 've always omitted that this debt was not ours however while trying to purchase a home this collection had proven to be damaging to our scores and the loss of a few homes because of late payment reporting. During this time we were notified by our lender that this debt in fact was NOT ours, and supplied us with legal court documents reflecting proof. Unfortunately a settlement was made, and {$5000.00} was collected from us. We are filing this complaint, as this collection agency illegally collected on a foreclosed mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent a debate letter to XXXX, XXXX, and Experian on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Product: Debt collection

XX/XX/year> Resurgent/LVNV Funding XXXX XXXX XXXXXXXX XXXX SC XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Resurgent/ LVNV Funding, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX  XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Money transfer, virtual currency, or money service

They told they couldnt give me money back because it was already taken out of my account.
Product: Credit card or prepaid card

I have tried to contact NETSPEND/XXXX for 2 days about a prepaid card that I was actively using and having pre-authorized bills payed. I can no longer log into the account and when I called the automated response says the card has expired. The card is valid Through XX/XX/2023. Would you please investigate this matter. 

Thanks iXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
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, has violated my rights. 


I looked at my Equifax credit report on XX/XX/year> 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 general, 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- ( 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 reporting, credit repair services, or other personal consumer reports

I have a series of erroneous, credit-damaging late fee payments reported by  XXXX  on an overdraft account dating back to   XXXX   -- that I did not know existed.      XXXX  has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  ( See   XXXX  communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by  XXXX  as a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
Product: Money transfer, virtual currency, or money service

Dear Sir/ Madam, We sincerely appreciate you taking the time to address the difficult situation we are facing. This issue has troubled us for over a year without resolution. 
XX/XX/year>, I transferred {$8000.00} from XXXX XXXX XXXX  to my friend XXXX XXXX XXXX 's Bank of America account. Due to XXXX XXXX negligence, she provided the wrong account numberWrong Account Number : XXXX, ABA : XXXX. However, I correctly provided the recipient 's name as XXXX XXXX XXXX. The transfer showed that the funds were successfully credited on XX/XX/year>. Despite the discrepancy between the account holder 's name and the account number, the transaction was still processed. This is clearly non-compliant, as under normal circumstances, the bank should not process a transfer when the name and account number do not match. Both XXXX XXXX XXXX  and Bank of America allowed this incorrect transaction to go through. 
After XXXX XXXX and I discovered the issue, we each contacted our respective banks. I filed two REG. E Claims through XXXX XXXX XXXX  in XXXX and XX/XX/year>, requesting that Bank of America recall the funds. However, both requests were denied by Bank of America. XXXX XXXX also made several phone calls and had in-person meetings with Bank of America XXXX The staff admitted that the funds are held by Bank of America, but they refused to return them, providing no justification for their refusal. XXXX XXXX XXXX  claims that the responsibility lies with Bank of America and has shirked responsibility, leaving the customer to deal with the matter. 
However, the indifference and lack of action by Bank of America to protect the customer 's rights is unacceptable. Banks are merely custodians of people 's money and should not be entitled to keep it. The United States is a country with a well-established legal system, and such things should not happen. 
We respectfully request that regulatory authorities investigate the situation and help us recover our rightful funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both Equifax and XXXX showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, Equifax- XXXX and XXXX- XXXX
Product: Credit card

On several different occasions within the cycle year of XXXX I have requested several different credit line increases with this bank but to no prevail despite an entire year of on time and consistent payments I have been denied over and over again! This bank provided false advertisements stating that it would be an increase after XXXX months of on time payments an credit line increase would be applied but this has not happened. For the complete year of XXXX and for this beginning of XXXX there has been no missed or late payments on this account yet they continue to subject me to denials.
Product: Checking or savings account

On XX/XX/year> I applied for a loan because my XXXX had XXXX XXXX XXXX. I received a loan of {$390.00}. However the people who sent the loan was fraud. They deposited a check in my account with a forged signature. USAA took that as face value and decided to FREEZE my XXXX and my federal income tax which will post into the credit only account on XX/XX/year>. They have taken the {$390.00} out of my account from my XXXX check and kept the account frozen. They can see that its not my signature on the back of the mobile deposit .... ( as i have only made XXXX mobile deposit during the course of me having this account ). Also, I XXXX percent XXXX from the United States XXXX XXXX and I depend on USAA to pay my bills. They have violated my federally protected funds and Im on the verge of losing everything. My utilities have been XXXX XXXX and i have XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not right. Please help me. Please help my family.
Product: Credit reporting or other personal consumer reports

New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/year> I contacted Citi Bank ( Card holder for the Home Depot ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. THD/ CBNA # XXXX I contacted the Home Depot and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.

This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/year> when my score was still XXXX. As of XX/XX/year> it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.
Product: Student loan

My name is XXXX XXXX and I am one of the millions of people that Navient has taken advantage of. When I was XXXX and fresh out of high school they used my fathers income to take my loans out. Now after college, I don't make nearly as much as my dad does because he was there for almost 25 years at that point. I am going broke trying to make my payments. I do not want to go defer/fb because what if I need that for an emergency. 

I have tried and called so many times to have someone help me and no one ever does. I cant afford to live or enjoy anything because my private student loans take up all of my brain power and my paycheck. 

Please help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue I have encountered with the following accounts : XXXX - XXXX XXXX - XXXX XXXX/XXXX - XXXX as reported on my credit report. I had previously sent these account for validation, and despite being returned as " accurately reporting, '' I still believe that the information is incorrect and that there was no proper proof of debt validation provided. 

Here are the details of my complaint : Inaccurate Reporting : The information related to the following accounts on my credit report is inaccurate. I have thoroughly reviewed the details, and I am certain that there are discrepancies that need to be addressed. The inaccuracies adversely affect my credit score and financial standing. 

Validation Request : I had submitted a request for debt validation to the listed accounts in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the response I received did not provide satisfactory proof of the debt 's validity. The lack of proper validation documentation raises concerns about the accuracy of the reported information. 

Impact on Credit Score : The inaccurate reporting of this account has had a significant negative impact on my credit score, affecting my ability to secure favorable terms on loans and credit. It is crucial that the inaccuracies be corrected promptly to restore the accuracy of my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in the reporting of the above listed accounts. I also request that the bureau ensure proper validation of the debt in question. 

Enclosed with this complaint, please find copies of relevant documents, including my original validation request for each account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these concerns and work towards resolving this issue. 

Sincerely,
Product: Debt collection

I received notice from my Credit Bureau monitoring that a new Collections account was placed on my report on XX/XX/XXXX. Upon investigation I discovered a Helvey and Associates Collection for XXXX XXXX for {$240.00}. I contacted Helvey and Associates on Tuesday, XX/XX/XXXX and was advised that unless I provide a notarized FTC Identity Theft Report and Police Report they would not assist me in removing the debt. 1. My state is currently under stay at home orders due to COVID-19. So Helvey and Associates is requiring me to risk my health by going to both an office store to print the Id Theft Report, get the notary signature and obtain a police report. 2. Notaries cost money. So Helvey and Associates are requiring me to incur cost to resolve a matter of identity theft. 3. I am in the process of working with a mortgage broker to purchase a new home and Helvey & Associates is causing me harm by delaying the process with thier ridiculous request to jump through hoops to resolve a theft of my identity that is clearly represented as such within their own internal records. The analyst I spoke with at Helvey and Associates informed me that the address of the account was in XXXX, OH. I have never lived in Ohio and I have been a customer of XXXX XXXX XXXX for more than 10 years. A simple internal investigation will reveal this information to be true. I should not have to jump through hoops risking my health and incurring costs at my own expense to resolve a {$240.00} theft of my identity. I had more than {$3000.00} worth of fraudulent credit cards and XXXX XXXX accounts opened in my name in XX/XX/XXXX and i was able to resolve all of them without all this needless running around the Helvey and Associates is requiring.
Product: Mortgage

In late XXXX and early XXXX I fell behind on payments on our home mortgage with Wells Fargo Home Mortgage. Beginning about the XXXX  of XXXX I began making payments to catch up. Between then and XX/XX/XXXX, most months I made 2-3 monthly payments. In XX/XX/XXXX, WFHM abruptly blocked me from making additional payments in that manner, instead requiring that I pay the entirety of the past-due payments at once -- at that point, the equivalent of 4-5 months of payments. I was unable to do so, and the outstanding balance began to accumulate.

That began a nearly 4-year loan modification odyssey that is nothing short of a Catch XXXX XXXX. The loan was finally modified in the late summer of XXXX after innumerable document submissions and phone calls. This process cost me significant legal fees and, more importantly, was materially adverse to my credit.
Product: Checking or savings account

On Monday XX/XX/XXXX at XXXX XXXX  I instant transferred my earnings from XXXX in the amount of {$100.00}. Overnight, my deposit has disappeared and my account has become negative. Regions intentionally removed my deposit to overdraft my account. I opt out of overdraft coverage so this scenario shouldn't be possible. I have to have an available balance to make any transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that in recent years XXXX, XXXX and TransUnion announced the National Consumer Assistance Plan to enhance their ability to collect complete and accurate consumer information and provide consumers more transparency when interacting with consumer reporting agencies about their credit reports. The plan was announced after cooperative discussions and an agreement with the Attorneys General of multiple states. 

The agreement provides for updates to mandatory data reporting requirements and data collection procedures. The resulting initiatives will impact Data Furnisher reporting. 
The agreement prohibits : Collection Agencies and Debt Buyers must report the Original Creditor Name and the valid Creditor Classification Code according to the Metro 2 format. These fields are required for each account or item reported. 

Collection Agencies and Debt Buyers will not report debt that did not arise from a contract or agreement to pay All Data Furnishers A new minimum standard has been established to expand the CRAs capabilities to match credit data to the file of the appropriate consumer. Furnishers of newly opened trade and collection data must report the full name ( First, Middle, Last Name and Generation Code/Suffix ), address, full Social Security Number and Date of Birth ( mmddyyyy ). If full Social Security Number is not available, full Date of Birth ( mmddyyyy ) will be required.
Product: Money transfers

XXXX XXXX XXXX XXXX 2015 we transfered XXXX into the XXXX from my wellsfargo account after we recently sold our house and made our moved to Florida. I proceeded to change my address to a close family friend until our tenant was ready to move out of the condo we had rented. XXXX froze my account and asked me to come in the branch in XXXX XXXX and verify my information due to the change of address, which I provide my drivers license, social security card, birth certificate, power of attorney, title documents proving the sale of the house and an utility bill for the address where we where receiving our mail. They then decided to close my account for unknown reasons and told me I would have to get wellsfargo to reverse the ACH transfer to the account. I went to the Wellsfargo office and explained the situation to my customer representative XXXX XXXX which filed for a ACH dispute which XXXX proceeded to tell wellsfargo that they where working with me personally to get my funds back which was a complete lie as I would n't have pursued such actions if it was n't for their lack of communication and cooperation to return our money. Over six months later and XXXX still has our money and has made no attempt to return the funds that where transfer. I am going to file complaints with the pertinent government agencies, SEC, consumer affairs, XXXX, The complaint boards, XXXX, XXXX, XXXX and every other agency we can so this does not happen to anyone else. We are getting ready to file a lawsuit if they are not willing to fix this issue immediately as we have dealt with enough of this nonsense. It appears that XXXX is trying to rob me and my family of our hard earned money and we will not allow that to happened. This company can not be trusted, they recently lost a lawsuit filed XXXX VS XXXX XXXX by their own employees due to their practices.