23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Payment debited from your bank accountXXXX Inbox XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX hours ago ) to XXXX, bcc : me our regular member Your account will be auto debited WITH {$340.00} the next 12-month subscription. 

We thank you for completing one YEAR with XXXX XXXX 



RENEW date : XXXX XX/XX/2022 Payment mode : auto debited BILLING no : XXXX End : 1 year If you have any queries or WISH to cancel the subscription, please connect user + XXXX ( XXXX ) ( XXXX ) ( XXXX ) within XXXX  HRS. 

Thank you XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full XXXX. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full XXXX, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional {$120.00} monthly, and figured it would be resolved with this year 's escrow analysis. 
Fast forward to XX/XX/XXXX, I received a new analysis that plans to pay my property taxes in full XXXX times, with refund check attached {$850.00}. On or about XXXX I called their customer service line and the person I talked to said he saw the error, told me a new, corrected escrow analysis would be sent, and said I should not deposit the check I received, as a new XXXX would be issued ; I should receive it in 8 to 10 business days. As of today I have received nothing but a normal monthly statement. I checked online today and my next payment payable on XXXX XXXX is {$1200.00}, same as shown on the erroneous escrow analysis, and approximately {$270.00} more than it ought to be due to forecasting to overpay my property taxes by {$3300.00}.
Product: Debt collection

***THIS IS A NEW CLAIM. *** On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.
Product: Checking or savings account

I have had multiple accounts opened up at citizens bank within my name, and all overdrawn and I have not opened up any accounts with Citizen
Product: Credit card or prepaid card

Description of Complaint : In XX/XX/2022 I paid a 6 month permium for my XXXX vehicle Insurance. When I authorized this payment I was clear with the XXXX Representative this was a one-time payment only and that I do not authorize any further charges on this card. In XXXX XXXX proceeded to charge my card for {$980.00} for my XXXX XXXX XXXX. I called the XXXX XXXX  Services and Filed a fraud charge. XXXX gave a provisional credit. Then on XX/XX/2022 XXXX took the credit away and charged me {$980.00}. I called XXXX and they sent me documentation showing that XXXX completed a reversal back to XXXX XXXX on XX/XX/2022 therefore my credit card showed have reflected a credit. have literally been on the phone with XXXX XXXX weekly as well as I have faxed numerous times the information showing XXXX that XXXX completed a reversal back to the XXXX card and due to non payment their is no Insurance active due to non-payment. XXXX refuses to credit my credit back along with the interest. XXXX XXXX has stolen {$980.00} of my money plus interest.
Product: Debt collection

This is an updated complaint filed earlier against XXXX XXXX XXXX which has a few departments that are hard to locate, inresponssive, impossible to talk to but once you get through they say that another department is handling them. However, this claim is reported on a credit report under LVNV Funding which is also stated on XXXX XXXX Notices. This complaint is addressed to LVNV which actually reports to credit agencies. 

I had a signed settlement agreement with the XXXX XXXX XXXX for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, the outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX, and XX/XX/XXXX. To prove I have a statement and notices from the bank reflecting a sufficient amount on the account and overdraft services were on. In XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact XXXX XXXX to clarify through their website and sent 3 messages of which I have time-stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentleman they have 2 different parts of the collection department and another department is under a different number, which I called and left a voicemail as no one was available. Then I proceeded to send another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments and did not schedule them, then I was told that it is all caused by my payment did not go through and that agreement was voided and now I have to start paying off the new settlement. Not only the manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I could not speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and paced me under pressure. Where this agency prays on the debt problems and makes them worse, robbing people and acting like vultures, instead of helping in resolving them by misrepresenting, miscommunication, and is reporting it to credit report under another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid.Keeps reappearing on my credit report as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two inquiries ( XX/XX/22, XX/XX/22 ) on my credit to open new cards with Capital One. Neither of these inquiries were made by me. I do not have a Capital One credit card. I contacted the company immediately after I was notified of the attempted opening of both cards, both times reporting it as fraud. They have done nothing about this and both attempts remain on my credit report as hard inquiries.
Product: Credit card or prepaid card

I was sent a very professional looking letter via US mail dated XX/XX/2019 from Saks Fifth Avenue stating I had been denied approval of a credit card for which I did not apply for. It offers a number ( XXXX ) to get details on the denial and when I called it is just a message stating to leave name, number and social security number. I ended the call and did not leave my information, but I'm certain others are getting this same letter and unknowingly offering criminals their private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

All collection accounts are more than 7 years. 
They keep revolving and never go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to resolve the issue with experian. They have not responded to my request properly. I have not once revived verification or how this so called debt is mine. XXXX and XXXX have verified and validated that this information is incorrect and have removed this account from my record. DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX I have provided all documents, licenses, bills ect and they continue to give me a computer generated response. Remove this from my account the information in incorrect. If 2 other credit bureaus have stated they can nit verifying this information how are you? This is against the law.
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

After 3 years of working with the lender to obtain a loan modification to save my home from foreclosure, on XX/XX/2023, the lender offered me an approved Loan Modification XXXX with a XXXXmonth Trial payment Period Plan. The terms of the trial payment plan were that If I accept the offer, and make payment for XXXX months ( XXXX, XXXX, & XXXX ), the lender will send me the final loan modification document to sign, and the new loan payment term will be final. I accepted the offer, and I made the payments for XXXX, XXXX, and XXXX. I wrote the lender on XX/XX/XXXX requesting the Loan Modification document so I could sign - The lender never responded to my written request. I have made multiply calls to the lender, it is now XX/XX/XXXX, and I have yet to receive any loan modification document from the lender to sign, nor has the lender sent me any written communication to inform me of the status of the loan form or when I will be receiving the forms to sign. I am requesting that the lender send me the final loan modification documents to sign per the terms of the approved loan modification plan they presented to me on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB XXXX XXXX against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA XXXX ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( XXXX ) : XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Bank account or service

My husband and I have accounts at BBVA Compass Bank. XXXX of these accounts are CDs. Each CD pays interest quarterly. The latest interest for these XXXX accounts was XXXX XXXX, 2015. The interest on XXXX account was delivered via mail on XXXX XXXX, 2015. The interest check on the second CD account did not arrive. I waited until Friday, XXXX XXXX, and called Customer Service at BBVA Compass Bank. I was told there was nothing they could do, that I had to personally drive to the bank for assistance. I went to the bank and spoke with a banker there, who told me that since it had only been a little over one week since the interest check was missing, that there was nothing he could do. I had to wait two weeks for any help. I waited until XXXX XXXX and went to the BBVA Compass Bank location at XXXX XXXX and XXXX XXXX in XXXX, Texas. I spoke with the Bank Manager there who made several phone calls. He determined that the check had not been cashed. He also stated that they would put a Stop Payment on the check and if it did arrive in my mailbox, I should just shred it. He further stated that the replacement check would be processed the same day and I could come back that day for it. I asked him if the interest check could be deposited into my checking account. He said that would be fine. The next day, the Branch Manager called me and said the check would be processed Monday, XXXX XXXX. I could check the website on Tuesday, XXXX XXXX, and the check would show in my checking account. It did not appear Tuesday morning, as I expected. I called Customer Service to see if they had any record of the interest being deposited into the account. XXXX, at BBVA Customer Service, stated there was nothing in the accounts, no deposit, no notes that showed any transaction. XXXX promised to check into the matter and call me back. It is now almost XXXX and I do not think XXXX or anyone else from BBVA is going to call. The interest in question is {$37.00}, not a huge sum of money. However, I have been waiting for this money owed to me for nearly three weeks. What miserable customer service. Unconscionable of them to treat a customer in this manner.
Product: Debt collection

There must be some mistake. I have written several letters to Arcadia Recovery and they have never responded to me. I have disputed these accounts with the credit bureaus, but it's verified. They must be sending the verification to the wrong address, or they must not have any information about the accounts. I am at a total loss for words. This feels like willful negligence. They are reporting multiple accounts and have never verified one of them to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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

In XX/XX/XXXX I reached out to Equifax about incorrect /disputed info on my report regarding the dollar amount of my student loans and received this Confirmation number XXXX I sent and expressed /conveyed that the following a ) XXXX in Private student loans made by XXXX were discharged in XXXX and those papers were previously sent to you b ) XXXX in undergraduate loans had previously been paid prior to XXXX however they were included on that XXXX consolidation which is the year you show as the loans being open and reported to. 

I find it implausible and beyond comprehension that you have completed your investigation regarding the validity of the actual dollar amount on my student loans being reported from XXXX and reflective of XXXX As XXXX my student loan servicer and previous Student loan services along with the Department of Education have not fully. completed their investigation. 

Please note that I sent you and all parties a summary synopsis of canceled checks from XXXX and a prior tax return which show student loans having been paid for tax year XXXX which indicated {$2000.00} in payments. I used XXXX as a base year of payments and suggested that it be applied to years XXXX ( some not all my Cashed Student loan checks from those years were sent you ) That is about seven years @ XXXX which equates $ XXXX x XXXX for a total $ XXXX have been previously paid prior to XXXX. 

You also received the information that I sent to the loan servicers along with their investigation emails referencing my dispute and claims numbers from XXXX and the Department of Education. 

All you had to do was reference / review those reference numbers and review my supporting documents I had sent. 


So, you could fully conduct your investigation ( your initial correspondence said you would be reaching out to the loan servicers who were responsible for reporting that information to you ) So once again please explain how you have completed your investigation and found no change to my loan balance when all the other parties who are involved and report said information to you have not completed their investigation? 


It is PREPOSTEROUS, dare I say LUDACRIS and downright DISINGENUOUS that you have completed your investigations Once again I would like to know how you decided there was no material change in the amount after I had provided supporting documentation of approximately $ XXXX in payments previously paid prior to XXXX and XXXX discharged in XXXX. 

I do find it extremely interesting that when you conduct an investigation all you do is send a letter showing ones current credit obligations but you. DON'T provide any supporting documentation to substantiate or support your findings.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range.XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$260.00}
Product: Mortgage

First thing, I had made XXXX XXXX monthly payments consistently since XX/XX/XXXX for 13 months to someone who claimed to be a part of XXXX XXXX XXXX XXXX XXXX NationStar, but wasn't. I truly thought I was doing the right thing because I was actually making Cash Deposits into a XXXX  XXXX XXXX Account # XXXX : All State Marketing Solutions Escrow XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Only to find out that my payments had not been going towards my Loan # XXXX Mortgage because my home was about to be Auction off at the Courthouse on XX/XX/XXXX which I had to file Bankruptcy in order to prevent ( please see attached documents ). 
Secondly, this indicates a Case of in which I need to get my total of {$7000.00} back to go towards taking care of my Outstanding Balance of {$14000.00} .due by XX/XX/XXXX. Please advise and assist me in getting this resolve as soon as possible. 
Thank you
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 is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion.

Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Debt collection

I received a letter dated XX/XX/2018 from American Financial Credit Services , Inc. that was addressed to a " XXXXXXXX XXXX XXXX '' but was mailed to my home address. I have no connection whatsoever to XXXX XXXX XXXX. I have no idea who is linked to this XXXX or what the debt is. Clearly, they have confused me with someone else. 

This company threatened tax liens with the SC Dept. of Revenue against me in the amount of {$10000.00} But this debt isn't mine.