23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a formal complaint against Credit Collection Services ( CREDIT COLL ) for its ongoing and outdated reporting of a collection account from XXXX, despite repeated violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). CREDIT COLL continues to inaccurately report this obsolete account, which no longer has relevance and is in violation of both reporting consistency standards and required disclosure obligations. 

Below is an outline of the specific issues and violations involved : Outdated and Inconsistent XXXX CREDIT COLL has been reporting an account that dates back to XXXX, without consistent reporting practices across consumer reporting agencies. This inconsistency has resulted in misinformation on my credit report and has affected my credit unfairly. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) CREDIT COLL has not provided me with required validation information under 12 CFR 1006.34 ( b ) ( 5 ), depriving me of the ability to verify the legitimacy and details of this debt.

Failure to Provide Opportunity for Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) CREDIT COLL reported this account without giving me an opportunity to dispute it under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have been denied the legal right to challenge this outdated debt before it was reported.

Misleading and Inconsistent Information By continuing to report an outdated and now irrelevant debt, CREDIT COLL is misleadingly representing my financial obligations. This is causing ongoing harm and distress and does not align with the current standing of my financial records.

Violation of Reporting Authority without Required Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ) ) CREDIT COLL has no legal authority to furnish any account information without full disclosure, as required under 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ). CREDIT COLL 's actions demonstrate clear disregard for federal consumer protection laws.

I respectfully request that the CFPB investigate CREDIT COLL for these ongoing reporting violations, specifically regarding outdated and inconsistent information.
Product: Mortgage

I purchased my home with a FHA loan XXXX of XXXX for the loan amount of {$160000.00} In the last 24 years I had at least 2 modification but nothing to justify the increase of nearly {$190000.00} in fees added to my new mortgage. 

I have paid on my mortgage since XXXX of XXXX  and my rate has been lowered a few times during this process yet my balance continued to increase tremendously during modification process yet the paperwork does not reflect this change. 

My modification balance is estimated to have increased nearly {$180000.00} in addition to my mortgage was restarted with brand new 30 year term. 

When I reached out to Chase to get help to resolved this issue regarding my mortgage loan they provided me with incomplete mortgage payment history, they had missing documentation and no explanation of the new inflated balance, yet no resolve. 

Shortly afterwards my mortgage loan was sold to another servicer known as " XXXX XXXX XXXX  ''. 

At the time of the sale to the my new servicer my estimated balance was around {$260000.00}. 

The modification loans Chase refinanced me into were predatory in nature and contain absorbent unjustified fees design specifically to eat up all the equity in the property. 

The paperwork Chase provided does not match the amount of money added to the loan. This has been extremely stressful and caused a lot of back and forth phone call and much concerned for my family. 

Yet Chase has not provided me with any resolve or made any attempt to correct the obvious error in years. Instead they sold my loan to avoid accountability. This is a huge red flag in fair lending practice. I trusted Chase and I trusted FHA!
Product: Vehicle loan or lease

I submitted a form on XXXX that espoused free auto loan offers that did not impact my credit score. I only gave them the last four of my social security number. They then proceeded to provide that information, although with my FULL social security number ( no idea where they got that ) to lenders that then pulled hard inquiries on my credit file. I did not authorize the hard inquiries and am now having to chase down the individual lenders to remove the inquiries, as XXXX XXXX says there is nothing they can do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am challenging the validity of the alleged bankruptcy you have listed for my credit reports I received a message from the credit Bureau stating that you verified the information. I contacted the federal courthouse for the XXXX XXXX XXXX Georgia and was told via letter that they do not verify this information, or the information was not verified with them for you or any other credit agencies. I am asking that they would please send me the information that you use to verify the alleged bankruptcies and that you would also either remove this bankruptcy from my credit file with you. For this is defamation of my character. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts. BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Money transfer, virtual currency, or money service

My robinhood account was unexpectedly disabled with no reason following. All they said was it was security reason. I have been trying to withdraw my funds since XXXX and keep getting the runaround. I have traded many emails back and forth with promises of getting my account able to with draw money but then no response. I finally get a response stating- Thank you for your patience. Based on the information provided, we will no longer be able to support your account. 


This is a final decision, and your account will be scheduled for deactivation. 


Heres what to expect upon deactivation : Right now, all remaining funds have been reverted back to the source from which they were originally transferred. These funds should reach the sending bank account within 3 5 business days. 

Thank you for your assistance during your account review. We regret these circumstances, but we simply can not facilitate this type of account activity. 

I got this email on XX/XX/XXXX and of course no money has been returned. 

The most recent email states ( XX/XX/XXXX ) - It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. 
I can not get a response of what this refers to or what step I need to take. 

Email back on XX/XX/XXXX with screen shot below states -Right now, all remaining funds have been reverted back to the source from which they were originally transferred into your account from. These funds should reach the sending bank account within 3 5 business days. 

Any funds that continue to arrive into your account will be rejected automatically and sent back to the sender. Your account is now permanently deactivated. 

Please close all of your current positions in your Robinhood account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my fifth complaint informing Equifax Bureau that I was a victim of identity theft and this is another request to block and remove the remaining fraudulent inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/2023 ). Ive already included this report in my previous letter & I am including it again. Whats more, the details that the Equifax Bureau provided in this remaining inquiry was UNKNOWN to me and this inquiry was already REMOVED from other bureaus and so I have doubts about the reporting accuracy you had with regards to this inquiry : EQUIFAX : XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous personal update information letters to the three major credit reporting agencies to have inaccurate information removed to no success. Dates XX/XX/2021 XX/XX/2021 XXXX {$21.00} each transaction 2 transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a closed and written off account to all 3 credit Bureaus. Account closed XX/XX/2022 *** The statute of limitations for a financial institution to file a Form XXXX, which reports cancellation of debt, is generally set by the IRS guidelines XXXX Financial institutions must file the form by XX/XX/XXXX of the year following the cancellation of debt. 

No XXXX as been submitted to me and XXXX XXXX is attempting to collect funds on a reportly closed and charged off account Fair Credit Reporting Act ( FCRA ) - **15 U.S.C. 1681s-2 ( a ) ** : Requires that information provided to credit reporting agencies be accurate. Reporting a debt as both closed and written off while attempting to collect may be considered misleading.

- **15 U.S.C. 1681i** : Provides consumers the right to dispute inaccuracies in their credit reports, emphasizing the importance of accurate reporting. Fair Debt Collection Practices Act ( FDCPA ) - **15 U.S.C. 1692e** : Prohibits debt collectors from using false, deceptive, or misleading
representations in connection with the collection of any debt. This includes misrepresenting the status of a debt. - **15 U.S.C. 1692f
** : Prohibits unfair or unconscionable means to collect or attempt to collect any debt.
Product: Bank account or service

while travelling my accounts at bank of america were closed. 

No reason was given. 

Uncertain if the rest of money will be returned. Luckily i had stopped using the account and had transferred most out of it because the atm card kept having difficulty while travelling. 

There was less than {$1000.00} in the account, however I worry about my reputation on credit reporting agencies reports since they noted in their letter they could report to XXXX about account closure. Can you help clarify this problem, never bounced check, had no problems except someone deposited a check while my husband and were overseas but the bank accepted it even though they put wrong address on deposit slip and it was deposited out of state. That happened over 3 months ago and we thought the matter was settled. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
Product: Credit reporting or other personal consumer reports

On the XXXX I contacted the mortgage company XXXX  because they were reporting positive stuff on my credit report then stopped.
Product: Credit card or prepaid card

in XX/XX/2020, I paid off XXXX balance on my American Express card. They continued to charge me interest and now are increasing. I probated this in XXXX and again today. The original interest charge was XXXX, today they say it is XXXX. 
I also cancelled the card today. 
I paid XXXX today, but under protest.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Debt collection

Someone used my personal information to open savings accounts and credit cards. I feared that my indentity has been stolen. All of the sudden Im getting all collection letters and statements of items I did not get. Let alone yes they have my address but they forgot the apartment letter
Product: Mortgage

DO NOT EVER USE THIS COMPANY IF YOUR LOAN IS SOLD TO THEM YOU ARE BETTER OFF HOMELESS. I HAVE COMPLAINED AGAINST THIS COMPANY MULTIPLE TIMES. THEY WILL DO ANYTHING THEY CAN TO MAKE YOUR LOAN A HORRIFIC NIGHTMARE. FEES, RUDE INCOMPETENT EMPLOYEES. I HAD A LATE PAYMENT, I CALLED AND LET THEM KNOW A DATE I WOULD PAY. THEY LOCKED ME OUT OF MY ACCOUNT. I CALLED THEM THEY ARE REFUSING TO ACCEPT MY PAYMENT. I REFUSE TO GIVE THEM MY NUMBER AGAIN BECAUSE THEY CALL AND HARASS YOU. I SPOKE TO THREE REPRESENTATIVE THEY WILL NOT GIVE YOU A SUPERVISOR THEY WILL CONTINUE TO ASK RIDICULOUS QUESTION AND PLAY COI. I HAVE CONTACTED A LAWYER AND WILL BE SUING THEM. 

RUN FAR FAR FAR AWAY!!!!!!!
Product: Mortgage

For almost 4 years i have been filing complaints about Bank of America and their " modification '' process. I had a 15 year Home Equity loan and paid it faithfully until the time I had several financial situations including ( Hurricane Sandy ) rendering me unable to make payments. I applied for a modification.. I have been in the process of modification for years. This bank has offered modifications several times and each time they have excuses that it can not go through. Amount them is while making the 3rd trial payment, the pay by phone took out 8 payments instead of 1, and we had to start over, You can see prior complaints for the past 5 years that were filed. This past modification, while under the sole guidance of Mr. XXXX XXXX ( Regulatory complaint commission ) I was sent a trial offer of {$380.00} at 2.75 % This offer was affordable to me. The prior offers all included taxes and insurance ( problems with that too ) making the payments way to high. During this long modification process, I managed to pay off my 1st mortgage, ( also held by bank of America ) and have been successfully paying my taxes and insurance on my own for the past several years. I have had bad experience with Bank of America in the past ( 1st mortgage ) that between them giving my mortgage to XXXX XXXX and taking it back, they BOTH failed to pay my taxes. I was informed by the town that the taxes were due and immediately contacted the bank. it was finally rectified and because of this I do not want them handling my taxes and insurance bill. In regard to this past " modification '' XX/XX/XXXX XXXX and i agreed the amount {$380.00} was fine and i made 2 of 3 trial payments. I made the 3rd trial payment and for some reason Bank of America had no record of it. I however, did and I sent them a copy of the bank statement. After 2 weeks Bank of America send the 3rd payment back for no reason. I was advised to re send the 3rd payment which i did. I then received the " permanent '' modification indicating that the payment is now {$760.00}. that was NOT agreed on and when I spoke to XXXX XXXX he told me he had it in " escalation and not to sign and return the permanent modification or i would be bound to it. he told me to continue to make the {$38000.00} which I have ( last one XX/XX/XXXX ) He assured me that he had it all under control and i would have the New modification with NO escrow by XX/XX/XXXX. Since then several representatives ( XXXX and XXXX ) both called to tell me I HAD to pay the taxes and insurance through them. All I am asking is to make my principle and interest payments on this bank loan. I am NOT interested in turning it into a first mortgage and I will NOT let them handle anything as important as my taxes and insurance ever again. This bank is poorly managed and has lied and manipulated their customers. Please arrange to speak to Mr. XXXX XXXX I have been jerked around for more than 3 years. Please help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccurate information that has been reported on my credit report by Equifax. Despite my previous communication with Equifax on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal law. 

Below, I have outlined the details of the incorrect information and the necessary corrections for each account : These accounts do not belong to me, and I request its removal from my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1100.00} ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}, Original Creditor : XXXX ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$430.00} ) The reported information stating that these accounts were late is incorrect. I request that this inaccurate information be corrected on my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, High Credit : {$500.00} ) XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$450.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries : 1- XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 

2- DEPARTMENT OF EDUCATIONXXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX NAVY FEDERAL CR UN- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.
Product: Checking or savings account

Wells Fargo XXXX, Ga branch manager provided me with a snapshot of deposits and copies of 2 checks that they stated checks were deposited into my account by estranged husband that were not deposited into my account. The snapshot provided does not reflect online statements and printed statements and changed 3 times in a matter of 4 hours. I have 6 audio recording of Wells Fargo and XXXX XXXX XXXX  representees confirming one check was a counter check my estranged husband wrote to himself and withdrew the money and later wrote my name to make it appear it was written to me and all reps confirmed it was written to himself. XXXX XXXX, Ohio Branch manager confirmed the money never left his account despite Wells Fargo providing a copy of check The 2nd check both banks customer service reps can be heard on audio confirming the cashier 's check was not a XXXX XXXX XXXX  check and was a fraudulent check made to appear to be written to me. Please see audios. and copies of checks. 2 congress members have been sent audios and copies of checks. 2 state attorney offices are in possession of all audios and copies of checks. A law office in Ohio is following up with filing a civil suit. 

Wells Fargo provided me with a copy of an IRS economic rebate check that my husband received and I did not. The IRS confirmed on audio and by tax transcript that I did not receive the check. The copy of the check provided to me was a bogus/altered check despite Wells Fargo supplying me with an altered statement and later sending me a letter confirming the transaction could not be found. Another attempt to manipulate my statements. XXXX XXXX office has been contacted. 

Wells Fargo supplied a copy of a withdrawal slip that was altered and was for the previous year 's withdrawal. An employee altered the dates on the withdrawal slip. 

These audios are bank reps confirming the fraud. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please check the info concerning the Equifax breach. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX  LISTING ON MY REPORT WHICH IS WRONG
Product: Credit reporting or other personal consumer reports

I like to file a dispute for fraudulent items liste on my credit report. I did not give permission for anyone to use my identity and I never signed up for these XXXX items. The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Also filing a dispute for inquiries that i never gave for permissible purposes. XXXX XXXX XXXX and XXXX XXXX TX. I have filed an Identity Theft Report with the FTC. The report number IS XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.