23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Thank XXXX Capital One for stating in the response you sent through the CFPB on XX/XX/2022 that you cease and desist communication with me the consumer thank you again for providing me with evidence Capital One you still in violation of federal law pursuant to15 USC 1692a ( 2 ) Congress stated using any medium the XXXX major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the XXXX major credit bureaus remove this account from all three major credit bureaus immediately if not I will send my evidence and a XXXX of Truth to you and to the local Authority General and to the Consumer Financial Protection Bureau and to the FTC will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it. 

15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Credit card

I went to XXXX on the XXXX of XXXX 2015, I applied for a credit card and they said I should call the office. I spent over {$200.00} on clothes, I called the office and I was told I would receive a letter in the mail, called the office today XXXX/XXXX/15 at XXXX spoke with XXXX and said he would have to resend the letter. It was hard to understand the accent, asked if he could resend it I said yes.
Product: Debt collection

SOUTHERN FINANCE SENT ME A CHECK IN THE MAIL! THEY ARE CLAIMING IT TO BE A LOAN, but I NEVER APPLIED FOR A LOAN, I NEVER GAVE CONSENT FOR MY CREDIT TO BE EXTENDED WITH THIS CORPORATION! I DO NOT KNOW HOW THEY RECEIVED MY NON-PUBLIC PRIVATE INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER! THEIR IS NO CONTRACT AND THEY KNOW THIS IS A FACT! THEY HAVE COMMITTED IDENTITY THEFT! THEY STOLE MY INFORMATION, SENT ME A CHECK AND CLAIMING THAT IT WAS A LOAN! WHERE IS THE CONTRACT!!!? I AM NOT OBLIGATED TO PAY THEM A THING! IF THEY DO NOT REMOVE THIS EXPEDITIOUSLY I AM FILING LAWSUIT!
Product: Bank account or service

I emailed, I called, I went into the branch and spoke with the manager who gave me XXXX XXXX from XXXX XXXX ; XXXXXXXXXXXX & gt ; to have get my checking accounts, credit cards, and any other statements since 2008. I have been emailing for 3 weeks and today called. I asked for a manager to contact me. I would like all bank statements since 2008. Wells Fargo has robbed me of XXXX in overdraft fees. When asked for a letter from the institution that does direct deposit saying it was their fault why deposit late, I got it. They still robbed me and laughed. The bank robs their customers.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX2024TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion
Product: Debt collection

I use to be a resident who moved out of XXXX at XXXX XXXX XXXX, after moving out when the lease was over I was contacted two weeks later from the leasing office making reference of owing XXXX dollars for damages. When I asked what damages, I was told bedbugs, and garbage left in the apartment. I refused to believe that because for one, I never had bedbugs and second, the apartment was left clean and damage free. When I asked for evidence such as pictures I was not given an opportunity which makes me believe they made up these allegations to keep my deposit. I'm familiar with Georgia tenant laws and guidelines that must be followed and I assure you none of the guidelines were followed by XXXX at XXXX XXXX XXXX. I was never given a list signed by a employee in the leasing office, I was never allowed to enter the apartment to see if the damages was true so in the event I would honorably be able to handle the damages. To add insult to injury this debt collection company named National Credit Systems Inc. who I have no contract with concerning this alleged debt decides to trespass by taking my social security number and damaging my credit by reporting that I owe them an alleged debt they obviously paid pennies on the dollar for, in order to try extort me for funds. To keep in honor I sent them a negotiable instrument and affidavit to satisfy the debt by registered mail. To this day they still have the negotiable instrument and still damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX make a claim to each credit reporting agency ; i.e., Experian, XXXX XXXX and XXXX, as a subscriber to your companies to report adequately is in serious violation. As you can see, there are two bureaus showing XX/XX/XXXX as the first reported 30-day late payment, and XXXX  showing XX/XX/XXXX. Realistically the late payments started in XX/XX/XXXX, but XXXX XXXX XXXX has cut off two years of payment history to re-age the credit trade line, which is a serious concern to the Federal Trade Commission. The charge of {$3400.00} was from an overage on mileage on a vehicle lease. The timeline to file a civil action has passed, and the federal guidelines, and the 7-year rule applies as the first reported late shows over the legal time limit. As stated in the Fair Credit Reporting Act : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. [ Emphasis added. ] I desire an updated credit report showing a full reinvestigation of the account at the beginning of this credit dispute. I am well within my rights requesting this reinvestigation under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act. I anticipate a full re-investigative credit report within 30 days.

ITEMS MAY HAVE SURPASSED LEGAL TIMELINE TO MAINTAIN ON RECORD Case in point, if a credit card payment was late 84 months ago, and since that time the credit card was paid in full, settled for less than full balance, or charged off by a federally insured bank as mandated under Federal Deposit Insurance Corporation Rule 5000,  applicability of applying a charge off standard to debt service, then the creditor must report the true payment history on the credit trade line for a minimum of 84-months. The Federal Trade Commission has levied fines and penalties against creditors for using a re-aging process totally in violation of the Fair Credit Reporting Act guidelines.

Re-aging of debts have been used by the Internal Revenue Service by re-issuing federal tax liens with a new fining number when the 10-year rule timeline was running out. It is used by creditors as a means of  stalling or delaying ones credit rating, simply by cutting off several years of previous payment histories. 
Accordingly, XXXX XXXX XXXX XXXX is in violation to their subscriber agreement with each credit bureau and must delete the referenced account credit trade line permanently.
Product: Credit reporting or other personal consumer reports

These late payments arent in line with my consistent payment record. Please delete them and update my accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used by an individual in XXXX XXXX  that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts 5+ different institutions. I have locked all my credit bureaus.
Product: Mortgage

My loan to value is less than 80 % and I requested to have my principle mortgage insurance cancelled. My loan servicing company, Freedom Mortgage, said they do not have the authority to cancel the PMI and it's the responsibility of the investor. I contacted the investor, XXXX, and they told me its the responsibility of the servicing company. 
These conversations happened today on XX/XX/2019 with both XXXX and Freedom Mortgage. 
I would like to file a complaint towards Freedom Mortgage for providing false information to me and neglecting their loan obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX has violated my rights.

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction. 

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive/provide I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A. 

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Product: Credit card or prepaid card

On XX/XX/2023 we attempted to open a credit card account at Macys. We applied for a joint account under my name and my wifes name providing all required information to Macys. We were denied. After much trouble getting to the right person, we were told our application was denied because of lack of activity under my wifes name for credit reporting. Since we are retired and elderly, I do virtually all of the buying for our household and that explains the lack of activity under her name. However, we were still denied the account. We dont understand since we were applying for a joint account under both of our names and there is plenty of activity under my name. We have a credit reporting score of XXXX. We are filing this complaint, primarily to ensure no black marks show up on our credit report.
Product: Credit reporting or other personal consumer reports

Ive been writing your company for numerous months. By listing these accounts in this dispute they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you
Product: Credit reporting, credit repair services, 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 contacted XXXX, XXXX and Transunion to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I set up an account with Coinbase either at the end of XXXX or the beginning of XXXX. At the time, I was working/living in XXXX playing professional hockey. I used my XXXX ID to set up the account and everything was all good. Then, I retired from playing hockey and came back to the U.S. I basically forgot about the account until just recently, but now, I can no longer access my account due to two reasons. First, the XXXX app that I used to access the account was on my old phone and no longer works when trying to log into my account. Second, when I try to recover my account, I can not because my current ID is from the U.S. The automated process that verifies someone's identity recognizes that I am who I say, but the ID is not from the country where the account was set up. 

So, on XX/XX/XXXX, I opened up a customer service inquiry with the website and got several automated responses, but nothing from a live human. There has been some back-and-forth and finally they said they were reviewing my case after I sent them some additional information. They said it would take 48-72 hours on XX/XX/XXXX and I haven't heard anything since. I have opened two other cases to resolve the issue and I would get one or several automated responses and then they just ghost me after that. 

I don't have a ton of money in the account, but I would like the ability to be able to access my money that I put into the account years ago. I do find it hilarious that this company is going public soon and at a $ XXXX valuation. They don't even have a telephone number where customers can talk to an actual human being. I have been going through their email process for weeks at this point and I am getting nowhere. 

Thank you very much for your time. 

XXXX XXXX
Product: Debt collection

Hello, I have been contacted for a debt that was a workers comp situation and the hospital took all my insurance information. 

I submitted all insurance information upfront. They knew before hand this was a workers comp situation and had requested my insurance before my appointments. I am not sure why I am getting contacted now. This should have been taken care months ago.
Product: Mortgage

Vystar credit union Servicing my mortgage sadly Once again like XXXX year end they incorrectly updated my escrow and payment by increasing my monthly payment falsely when my escrow is overpaid. And have overage in the account and monthly payment should not be increased due to escrow shortfall. Payment deposited in escrow {$1700.00} which cashed by vystar is not processed correctly and caused monthly payment increase. I called the vystar and emailed multiple times since XXXX when find out my payment as of XX/XX/year> will increase due to escrow shortfall. Vystar XXXX phone does not have a REAL human to talk to but long hold over 60min or automatic call gets disconnected due to no representative available. When had to find a ride to go to branch since phone line really does NOT existing at vystar to help customers, branch said you need to call customer service mortgage dept. 

They clearly not willing to resolve the issue and increasing my payment with no justification and cashed {$1700.00} payment in XXXX for escrow in addition. Spoke to XXXX who claimed is a manager. But she did not help and call just transferred once again to line that no live agent exists. We filed complaint with XXXX but got no response and issue still not resolved. Please help me my payment increasing XX/XX/year> and not able to pay that since paid {$1700.00} escrow. XXXX advised on recording call WE HAVE NO ANWSER FOR YOU AND our mortgage department not available. I requested to speak to a higher manager who have the access to review my mortgage and help me because my mortgage due less than 2 weeks, but that did not happen and XXXX said she is a manager and all she can say is I have to wait until someone from mortgage dept available to review your acct and make the judgment needed. Over a week customer waiting is not enough and this is unacceptable if vystar has not enough staff to service my loan than must sell my mortgage to another reliable company. Online and app also is not a good tool all shows nothing. I also spoke to XXXX XXXX who was not manager and was another escalation rep ). They refuse to transfer a call to a manager.
Product: Mortgage

I bought a house on XX/XX/19 with a 1st mortgage through Fairway Independent Mortgage company and 2nd mortgage with a XXXX  XXXX XXXX first time homebuyer grant about $ XXXX. ( Fairway Mortgage Co. arranged for this grant ) I am trying to refinance my mortgage and know that by doing so I need to payback the grant. As there is a 2nd lien on the house for this grant amount, the new lender needs a payoff statement from Fairway mortgage as to the amount and where to make the payment to pay it off. I have talked to the XXXX  XXXX XXXX who has told me I need to get this information from Fairway Mortgage since they have not sold the loan. I have asked Fairway where I can send a payment to pay this off and can not get an answer. 

I have been trying numerous times via email and phone to get this payoff information, but have been told by Fairway that either they don't know how I can pay it off or that I need to go through the XXXX   XXXX XXXX. 

I am stuck and do not know where else to turn at this point. 

Thank you for any help you can provide me.