23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Ca  XXXX  A lliance One  Rec Mgmt  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , WA  XXXX   RE : A cct #  XXXX    XXXX   XXXX   XXXX   To whom it  may conc ern : I would like to dispute  XXXX  accounts being held in collections with  Alliance One Receivables.    The following accounts were settled in  XXXX  and are related to each other. In  XXXX , I was pulled over in   XXXX   XXXX  , CA for an expired registration and found I was driving on a suspended license. Clerk o f Court  of  XXXX   XXXX , Fl. had received notice from North Carolina, that I owed a {$50.00} late fee on a speeding violation that I was late in paying in  XXXX . In   XXXX  , North Carolina and Florida both joined th e DMV n ational registry and ordered the suspension of my California drivers license which Id had since  XXXX . My car was impounded. I had to pay {$50.00} to North Carolina and pay any and all fines associated with my drivers license in order to get my license and registration reinstated. It cost me roughly {$1200.00} in  one da y between  XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX  to clear my driving record, reinstate my license, and renew my registration in order to get my car out of the impound in  XXXX   XXXX . All settled and resolved in  XXXX .   In   XXXX  , I was involved in another incident and as a result had my license suspended once again. I received multiple citations that I paid to  XXXX   Superior Court  and to  DMV in order to restore my driving privilege. It was a 9 month process paying off all outstanding court fees and it again it was settled. Yet, Alliance One claims that  I have still have outstanding traffic fees still in collections dating back to   XXXX   and   XXXX  . Please note that Citation :  XXXX  is from  XXXX , besides the fact that I had a bankruptcy that was discharged in  XXXX  and having zeroed out the balance with   XXXX   XXXX    Superior Court and DMV at least  twice since  XXXX .   I am disputing the following accounts currently in collections with  Alliance One  and ask that they be removed as they were both settled in  XXXX .    Alliance One  Acct #  XXXX  Docket Number :  XXXX  violation date  XX/XX/XXXX  XXXX   XXXX   XXXX  {$910.00} Citation :  XXXX   XXXX   XXXX   Clerk of Court  {$160.00}.     Thank you,   XXXX   XXXX   XXXX
Product: Mortgage

We have had our mortgage with Suntrust since XXXX and have never been late on a payment. We had moved money from our XXXX XXXX account on XXXX in the amount of {$4400.00} account to our SunTrust bank account. Are mortgage is to be pulled automatically of {$4300.00} and it had been set up that way since inception. They never pulled are mortgage even though there is a 15 day grace period and it was setup on auto payment. They claim auto payment tries once and then they cancel auto payment. 

In there response to us, they had emailed us to two different email addresses that were not accurate even though we had changed our information through the bank, they never updated our email information with Suntrust mortgage. They claim they emailed us at : XXXX where she hasn't worked since XXXX and XXXX which is my email and I parted ways with the same bank in XXXX meaning they knew I wouldn't receive that email. 

Those emails per them were not sent until XXXX XXXX when there would already be a 30 day late payment meaning Suntrust didnt try to actual call there clients and let them know that they stopped the auto payment that has been fully working properly from XXXX. 

I emailed XXXX, who we were told is the head of suntrust mortgage, to try to have a conversation with him or someone in management and didn't receive any response from him or management. 

Then, On Friday XX/XX/XXXX, We got an email from CFPB that SunTrust closed complaint detailing the same information that they tried to notify us with wrong information of our correct email addresses. 

Then, an hour later, my wife got a call from SunTrust from XXXX, who said SunTrust was still working on this case even though we had gotten word from CFPB that they had closed it out. XXXX said he wasn't aware of any close out and would call us back later that day to see what is going on. 

This didn't happen and we never heard back. 

We then emailed XXXX a second time and left a voicemail with no call back or communication. 

We are now convinced that SunTrust didn't want, in good faith, to actually make things right with a client that has been with them with two different mortgages since XXXX. They are claiming that they tried to reach out and that will justify ruining a good client 's credit. 

If SunTrust bank would have updated our email addresses in XXXX with the mortgage department, we would have made the payment 10 minutes from it. But we didnt know the auto payment shuts off and we had no knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had a continuing issue with XXXX XXXX XXXX XXXX posting payments on time. Latest issue was in XX/XX/XXXX. Payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1500.00} ( considerably more than the amount due and enough to pay the entire card ) on-line via our XXXX XXXX bank account. XXXX XXXX records show they sent the {$1500.00} payment via paper check through US Mail on XX/XX/XXXX. I was disappointed that these two mega banks could not find a way to transfer funds electronicaly to each other, but thought all would be fine because we still had 4-5 days until payment was due. Should be enough time for mail delivery and posting, or so I thought. 

Unfortunately, XXXX XXXX did not post payment until XX/XX/XXXX, a full 18 calendar days after I sent funds on line through XXXX XXXX. Either XXXX XXXX did not truly send funds on XX/XX/XXXX, the check got held up in the mail, or XXXX XXXX was very slow in posting payment. In the meantime, XXXX XXXX sent an update to credit reporting agencies that we were 60 days past due on payment. My FICO score dropped 41 points overnight as a result. We are looking to re-fi our home mortgage, and this dropped my score below 700. Now the lender we were working with is no longer willing to give us best rates. 

In researching this issue with both XXXX and XXXX, we have learned that this has been a consistent issue for several months- payment takes up to three weeks to post ( I have dates from bank statements, confirmed by XXXX XXXX ). By the way, XXXX XXXX service has been terrific. XXXX not so much. My understanding is that XXXX has contacted XXXX to confirm to XXXX that they ( XXXX ) sent payment on XX/XX/XXXX. So, XXXX should be well aware that this is their error- not mine or XXXX XXXX . 

My complaint is that XXXX seems to have sloppy operations where it takes them up to two works or more to post payment after they have evidently received it. Their neglect should NOT have a negative impact to my credit rating. XXXX XXXX has been great. I have made mutiple calls to XXXX and they say their is nothing they can do, other than to look into it again which will take an additional 60-90 days. They have alrady looked into it and sent me confirmation that eveything they have reported is accurate. I have very little confidence that they even understand my complaint- THAT IT TAKES THEM TWO WEEKS+ TO POST PAYMENT. They seem to be stuck on their actual posting date, and say all is accurate because the posting date is what was sent to reporting agencies. They keep missing my point that the whole issue is that they have had a check in hand for two weeks and they have failed to post it. Not my fault they have XXXX operations, but my credit rating has seen considerable damage as a result of their sloppiness.
Product: Debt collection

Komyatte & Casbon P.C. has issued a debt to me without verification. This agency was issued a dispute and given explanation that debt was not applicable. Komyatte & Casbon P.C. without verification of debt sent derogatory marks to all credit bureaus that resulted in me receiving negative credit reports and disqualification of loans.
Product: Checking or savings account

WE have 2 checking accounts with the bank. One day my wife is on her way to work and started to receive tons of messages on her phone. She gets to work and logs onto the account and it stats that we had made a " XXXX '' transfer to someone that we do not know for {$1000.00} & {$900.00} So she calls the bank. She tried a request your money back with XXXX but was only able to do it with the {$1000.00} as it was the only account showing on her end. The bank stated she was online when it happened so she must have helped them. Then they stated she gave personal information away. None of this is true! WE NEVER gave personal information regarding our online banking account. Citizens OFFERS XXXX in their online banking APP and online. They should be protecting us! That is why we use a large bank like CITIZENS as we would expect them to protect our money! Modo : Ensuring the safety of your customer information is as important to us as it is to you. To prevent fraud and shield your critical financial information, Citizens Bank uses a number of powerful security measures to protect you online. We encourage you to learn more about the steps we take to secure your confidential information.
Product: Mortgage

I was denied a modification on This home on XX/XX/XXXX According to the lender. However, prior to notice of decision to deny which came on XX/XX/XXXX, the lender had an appraiser call me to schedule an appraisal. I was called on XX/XX/XXXX. So they claim they denied me but still needed an appraisal after the fact??!? I am very confused by this. They denied me and then scheduled an appraisal at my expense. How is that fair or accurate. 

I do not think they considered all pertinent info prior to denying my modification. I appealed the decision and they are saying it was submitted to late however it was submitted 2 days after we received notice. They are not giving me time to rebut the misinformation. Nor are they allowing a fair disclosure times, when considering they sent me the denial after the allotted time to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 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: Money transfer, virtual currency, or money service

I transferred some money from XXXX to XXXX for my son who is visiting the country. When he went to the Western Union office to pick up the cash, he was told he can only get it from a XXXX Bank Account. He does not have a XXXX Bank Account and can not get one with a XXXX XXXX. 

I have asked for a refund two weeks running and have had no response. 

I have copies of Western Unions transfer process which advertises cash pickup and would not have used them otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was being reported by 2 different creditors on my consumer reports with the credit reporting agency Experian, initiated over 5 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no success.
Product: Credit card or prepaid card

I have a credit card with Avant Credit Card. I had a couple of recent charges and I made three separate payments to pay off the balances that was owed. I reached out the credit card company wondering why my balance does not show any payments being made. The customer representative. stated that it takes up to 14 days to process any and all check payments. After, hearing what the representative stated, I decided to closed my credit card with this company. Now, Avant has all of a sudden lost my payments and charging me late fees. I even seen when Avant has endorse the check and still did no give my account the credit. I reached out to them on several occasion and get the run around. I have asked for a supervisor and was told that do not have any available and I will get a call back. I also email them on several occasion with all proof of payments and still no direct response. The remaining balance was {$25.00} and that was a late fee, that they charged me when they lost my check. I also mailed in a replacement check for the {$25.00} dollar onXXXX they lost. I ask will they waive a one time courtesy late fee since I never been late with Avant Credit Card and they denied me, because I requested to have my account closed. I been a customer with Avant since 2019 and never been late. Now, I received a invoice for {$83.00} and this is late fees and interest rates. This company needs to be stop. Can you please investigate them? I have all proof of payments and emails of me trying to resolve this matter. I never thought I have to ask Consumer Finance for assistance. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In cordance 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.

XXXX  Account #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Here is the account that is not reporting accurately : ( XXXX XXXX XXXX account number XXXX ), XXXX XXXX reported a late payment in XX/XX/2022. Please correct this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii, and 15 USC 1681e ( b ). 

I have proof that i paid my account on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022 for the amount of {$400.00}. I will include my bank statements.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries listed on my TransUnion credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not provide consent or authorization for these inquiries, and their presence on my credit report is concerning. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have already attempted to resolve this matter by contacting TransUnion and disputing these inquiries, but I have not received a satisfactory resolution. I have attempted multiple times dating over 120 days. 

I request that the CFPB investigate this issue and ensure that the unauthorized inquiries are removed from my credit report promptly. I also request that measures be taken to prevent future unauthorized access to my credit information. 

I have been denied credit that would significantly help my families financial standing due to these errors. Loosing over {$10000.00} in loan funds due to " too many inquiries on credit file '' Thank you for your time and assistance in resolving this matter. I look forward to your response and the resolution of this issue. 

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

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have sent out numerous disputes, and complaints regarding information found in my credit reports that do not belong to me. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I believe these account were opened as a result of fraud. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Please remove any and all personal information thats not listed is this complaint, my only address is XXXX XXXX XXXX XXXX Ohio XXXX, please remove all other addresses as there also not mines.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft!!! Ive tried several times to dispute these accounts, and they keep coming back as verified. That should be impossible due to the fact that these are not my accounts. Every time I submit a dispute they dont even respond. I have sent in several FTC reports along with a letter discribing the identity theft. They simply ignore it.
Product: Student loan

I was mislead on all information on the predatory school loans provided by Genesis Lending XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged overdraft fees due to lagged passing of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I called Experian XXXX/XXXX/16 and tried to delete some incorrect personal information from my credit reports and they refused to which I do know is a violation of the FCRA. There are many incorrect addresses reporting on my credit report as well as phone numbers and employers. They even told me to file a police report for fraud which I know nothing about. 

I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that they are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : 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 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 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

For the past two months I have been Calling Sequim Asset Solutions to get my balance and they always state its at {$0.00} but when a credit bureau is asking them to report I have an open balance. I have called every other week to confirm this and their recorded calls have it all I have also asked for a letter to be sent to me proving that Im zeroed and they say its a 24 hr process that needs to be approved by a supervisor but I have nit received one and I've asked three times that way I can send it to the bureau with my dispute but still nothing.