23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX   I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX   . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i sent letters with the past XXXX month to all three credit bureaus and have not got back any response.
Product: Debt collection

When my credit was pulled there was an account from Enhanced recovery for XXXX.I requested validation of debt including contract and account history.The date they are reporting is not accurate and what they submitted proves the way it is reporting on credit is not correct. I have disputed with the bureaus and yet this company still reports inaccurately. They are indicating that the account opened XX/XX/XXXX yet the final bill was received XX/XX/XXXX and what the collection company forwarded was nothing more than a bill showing total due for billing period of XX/XX/XXXX-XX/XX/XXXX and and bill Date XXXX/XXXX/XXXX and it reporting a previous balance of {$1200.00}. No break down of fees or anything. I did save the final bill received from XX/XX/XXXX. I want this deleted and any reference to this on my credit report. It is also past the statue of limitations for collections in NV. I have attached all documents I have referenced above. I am also sending a copy of the letter that was sent asking for validation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in tu XXXX XXXX XXXX. # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX in tu UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the personal information on the account ending in XXXX. The name is spelled incorrectly I have provided supporting documentation to support my request.
Product: Student loan

I need to change the type of my repayment plan I sent an email to the servicer with the request as directed by the website. Received an email back that I need to use the repayment tool and email them back stating the estimated amount of that payment and that I agree to that amount and terms. I did that and have not had a response since. I've been continuing to email probably 10+ requests with no answer. Repayments are about to start and my plan has not been changed. I tried to call but there is always a 4hr wait period for customer service. I have asked to be put on an extended fixed repayment plan with estimate if {$160.00} a month.
Product: Student loan

My first XXXX attempts to contact Aidvantage on different days, I was in queue for XXXX hour each during working hours and had to hand up. ON my third attempt, a week later I was waiting XXXX mins when I got an answer ( XX/XX/XXXX ). I explained I had XXXX issues XXXX that my XXXX interest for being on the save plan had not been removed. this was at least 10 days after my payment. and my second issue was that I was charged interest for XXXX that had not been removed and my XXXX payment had been listed as {$0.00}. The rep explained that my payment for my total account was higher than the interest for my total account so I would not be getting the additional interest on my low XXXX covered by the XXXX XXXX. I confirmed they had notice of my being on the XXXX plan and they advised me to make a higher payment to deal with the interest and that since I had not made a payment in XXXX, I would have to pay that interest as well. I advised that the student aid side said per loan and not per account so my interest would be covered and that since payments where not to start until XXXX as per government order. then they could not require a payment form me in XXXX and that they listed my payment as {$0.00} which would qualify for interest forgiveness under the XXXX plan. The rep was kind but was only able to repeat the same corporate speech back about it not qualifying and that my total payment was higher than my total interest so any interest would remain. I again said the student gov site says the purpose for the XXXX XXXX  is that the balance does not grow over time and that because of the XXXX interest on that loan and the XXXX interest my account balance would if fact continue to grow. I asked for a supervisor. The rep had a tough time getting a supervisor and at least XXXX of them advised she explain the same thing I had been hearing. back and it took over XXXX minutes to get a supervisor on the phone. I re explained that they never told me I had to make a payment to qualify and that they listed my payments {$0.00} but was again told I had to have made the payment I did not know about and that my payment was higher than the total account interest. I advised that I was also on Auto pay and that I graduated during the pandemic so this was my first payment so if I was required to pay it should have been auto drafted. The solution they produced to get my off the phone as I was very frustrated at this point was that it would take the next month 's payment to see the first month 's interest removed and that they would ask the leadership as to if the XXXX interest should be removed do to {$0.00} payment. It has been a week and I have not received a call back and do to having a job in order to afford student loan payments I am unable to continue to wait an hour + to try to get through on the phone just to have an additional hour + conversation about it that is only available during working hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I disputed an unauthorized ACH withdrawal on XX/XX/XXXX. The business had prior dealings with me but the account has been closed for months and authorization to charge my account had long been revoked. SoFi only ever received deposits from this institution not withdrawals. I notified SoFi promptly that I did not authorize this transaction. On XX/XX/XXXX SoFi notified me via email that they denied my claim and found no error occurred. SoFi is in violation of NACHA ACH rules as all proper documentation such as a Written Statement of Unauthorized Debit was provided to the bank. Their failure to protect my account and rectify errors is not isolated in this instance alone. Previously I have reported fraud and the bank didnt file a claim promptly. Additionally, I have reported revoked authorization and the bank refused to act without CFPB intervention.
Product: Debt collection

I have received repeated calls after I have already stated I will take care of it. I have gotten calls sometimes more than 3 times in the same day. Atleast three to four times a week. I have asked not to call me, and also not to call so early. I have blocked the numbers they are calling on and somehow they just keep calling on other numbers so I will answer.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, AND XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX .. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company, Equifax, discovered they had had a serious data breach involving the compromise of thousands and thousands of their customers data in XXXX of this year. 

They recently made the public aware of this breach. Customers make check the companies web site to see if their personal data was involved, however, to do so automatically means you give up your right to sue the company and are forced into arbitration if you incur damages from the breach of your data. This seems totally unfair to the consumers! Especially since it is believed the reason for the breach in the first place was that the security purchased by Equifax to secure its data was insufficient, although sufficient security was available. Apparently, it was a company budgeting decision not to get the sufficient security. 

Additionally, it appears that between Equifax knowing of the breach in XXXX, and the general notice to the public just recently, many executives of the company sold their stock..
Product: Checking or savings account

On XXXX XXXX Bank of America Closed my checking account ending in # XXXX because of the many Federal Government filed complaints. 
Bank of America was charging me fees. I was in the process of contacting XXXX  XXXX XXXX XXXX XXXX XXXX to have my Lifetime XXXX Retirement Pension in to my new account with Bank of America starting XXXX XXXX. 

Unfortunately, Bank of America Closed my account and Retaliated and Discriminated against me because of my XXXX and my XXXX XXXX as a XXXX XXXX  American. 
I am XXXX XXXX, Retired and a XXXX XXXX XXXX Military Veteran. 
I need my account open with Bank of America so I can have my checking account and have my XXXX Pension going into my account starting XXXX XXXX. 

Did Bank of America violated my ADA XXXX Civil Rights Act under Department of Justice.? 

Bank of America didn't send me no letter that they was going to close my account and there was no reasons for Bank of America to close my account.
Product: Debt collection

On   XXXX   XXXX   XXXX    , I notifie d RMS Recovery Management Services , Inc.  in writing that I was unaware of the debt they claimed I owe from over 20 years ago, requested validation of my  debt to RMS and no tified them to cease and desist all communications in attempt to collect this debt. This included phone calls to third parties. On   XXXX   XXXX   XXXX    ,  XXXX   XXXX  of  RMS called both  my number and my employer, which has caused damage to my employment.
Product: Debt collection

I sent a Validation letter to Amsher to validate a false collection and they sent misleading forms which is a violation of my consumer rights, like HIPAA!
Product: Mortgage

On XX/XX/XXXX I submitted a complaint against Flagstar Bank ( # XXXX, see attached ) regarding their Partial Release process, and that it was the reason a property sale fell through. I had a contracted buyer that backed out after 3 months of extensions to a contract that began in XX/XX/XXXX, and still no Partial Release from Flagstar Bank. 

When I checked the status of my complaint on XX/XX/XXXX, the CFPB had closed the case because Flagstar Bank stated there was an unauthorized 3rd party involved. The CFPB agent ( XXXX ) that I spoke to reread the complaint to determine if there was actually a 3rd party included in the in my complaint. He verified that there was no 3rd party indicated in the complaint, only me and Flagstar Bank. The CFPB agent then suggested that possibly Flagstar Bank thought that I had not personally written and submitted the complaint. I find that a little insulting, considering they know nothing about me personally. However, I did write and submit the original complaint by myself, and sent Flagstar Bank an email stating so. The agent also suggested that since I had a name change ( I remarried during this long-drawn-out process ), that I attach a copy of my DL, marriage license, and a handwritten statement that I am the only person involved in writing and submitting the original complaint against Flagstar Bank. All of those documents are attached, as well as a copy of the original complaint and attachments that were submitted on XX/XX/XXXX. 

Please consider this an addendum to the original complaint. I still contend that Flagstar Bank 's unreasonably lengthy Partial Release process was solely responsible for the loss of a property sale with a contracted buyer. Please see original complaint for details regarding Flagstar Bank 's Partial Release policy, how it has impacted me, and my proposed resolution. 

Thank you for your assistance in this matter, it is greatly appreciated.
Product: Debt collection

They are stating they wont take any payment at all unless i pay 10 % of the total debt first. On XX/XX/XXXX XXXX i spoke to someone regarding it and I told them i can afford to pay them XXXX a month but they said they cant do that until the initial 10 % is paid. They said they would converse to see what they could do and lowered it to 5 % for the initial split up into 4 months which is still too much for me. I then requested the loan documents from the original lender to be sent because I dont have enough information and Im trying to pay what I can afford and its not being accepted. I understand if thats the debt I owe but Im still trying to pay something and they arent accepting it until they get their percentage.
Product: Debt collection

According to 15 usc 1692a ( 3 ) ( 4 ), MEDICAL REVENUE SERVICES is aware that they are in violation of the FDCPA. MEDICAL REVENUE SERVICES has violated the consumer rights by sending the consumer deceptive forms to make it seem as if the consumer owes any allege debts with this company. MEDICAL REVENUE SERVICES is in violation of 15 USC 1692b ( 3 ) ( 4 ) by stating that they received my address from the original creditor when I, the consumer and original creditor did not give MEDICAL REVENUE SERVICES any data for them to contact me for an allege debt. MEDICAL REVENUE SERVICES failed to show where the consumer gave CONSENT for the company to contact the consumer. MEDICAL REVENUE SERVICES violated 15 USC 1692B ( 5 ) by using the phrase This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector MEDICAL REVENUE SERVICES assumed that I owe a debt when the FEDERAL LAW clearly states that a creditor, which is me, can not own an allege debt without any preponderance evidence. MEDICAL REVENUE SERVICES violated 15 usc 1692e ( 2 ) by reporting a false and misleading amount, according to the violation, there is no amount owed that can be in a positive amount. MEDICAL REVENUE SERVICES has seven ( 7 ) days to delete the false and misleading data or I, the consumer will be forced to place MEDICAL REVENUE SERVICES in FEDERAL COURT to demand monetary relief for all the violations and false credit reporting that is shown as PROOF on all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit card or prepaid card

On XXXX18 my wife noticed a charge for {$1500.00} on our Chase credit card for a purchase from XXXX & XXXX XXXX. We had not placed the order, so we called Chase to inform them and cancel our cards. The purchase had been made on XX/XX/XXXX but did not post in our online account until XX/XX/XXXX, when my wife caught it. 

We still had possession of both credit cards, so whoever stole the information got it digitally. They also had my name and billing address, etc. 

Later, when Chase called to tell us we were going to be held liable for the charges ( we had assumed they'd cancelled the order when we filed the claim ) I found the order confirmation and shipping information in a junk email account I no longer use. 

The reason I no longer used the account was that on XX/XX/XXXX, my inbox immediately filled with hundreds and hundreds of junk email subscription confirmations. My phone and computer wouldn't stop *ding*ing with incoming junk mail. So I jettisoned the account, assuming it was some sort of prank. Turns out they used it to cover up the XXXX XXXX XXXX Order information that was ALSO sent to the inbox at the same time. 

I filed a dispute with Chase, explaining this to them. 
They just called to tell me that " the merchant provided sufficient evidence that the charges were not fraudulent. '' Because someone had signed for the shipment with my name. ie, accusing me of trying to defraud THEM by making a fraudulent fraud claim. 

Nuts. Context : I'm XXXX XXXX XXXX with a XXXX XXXX  clearance. If I commit fraud, I can no longer have my job. WHY WOULD I RISK MY ENTIRE CAREER FOR A CAMERA? 

I just found the shipping information for the package : The camera was NOT EVEN SHIPPED TO MY HOUSE, but to a XXXX in a different neighborhood. Someone signed for the delivery using my name, but I haven't been able to see the " signature '' they used. 

Chase, during their " investigation '' ostensibly saw that the shipping address was changed AFTER the order was made, somehow, and the camera was delivered to a XXXX XXXX. 

Yet they are trying to hold me liable here. 

We filed the fraud claim the day the charge posted. 
The camera was not even delivered, by anyone 's account, TO ME. 
My wife and I both still had PHYSICAL POSSESSION of our cards. 

And yet they are telling me I still owe them {$1500.00}.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Attn : XXXX, I received a notice that my accounts in good standing are being closed. I am requesting that these accounts be re-opened or allowed to remain open. I have held several of these accounts for years, and closing them will negatively impact my credit score. Additionally, I still actively use these accounts.

A previous FTC report, which was filed in error, has now been corrected. 

The specific accounts I request to be corrected/kept open include, but are not limited to, the following : - XXXX # XXXX ( XX/XX/year> ) {$2300.00} - XXXX # XXXX ( XX/XX/year> XXXX XXXX XXXX # XXXX - XXXX # XXXX Confirmation and updated evidence have already been sent to all reporting credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports