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

Discover card illegally tagged this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal.
Product: Debt collection

Northland group sent me a letter attempting to collect a debt. I sent a debt validation letter that they received on XX/XX/XXXX,2017 asking them to validate the debt. Legal debt validation is a complete payment history, an agreement that bares my signature, letter of sale or assignment from original creditor to their company, a signed agreement that bares my signature with authority to collect on this debt, information relating to the purchase of this debt is not proprietary or burdensome. Under FDCPA section 809 ( b ) Northland Group is not allowed to pursue collection activity until debt is validated. Courts ruled that reporting a collection account indeed is considered activity.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called My Money Network to engage in a transfer of funds from my account with that bank to my XXXX XXXX account. I had set up the Money Network account in XXXX when my son was born ( funds from NJ Family Leave Insurance are sent there ). When my daughter was born this year, additional funds were placed in the Money Network account by the state of NJ. During the phone call when I initiated the transfer, the auto-prompt asked me if I wanted to transfer funds to the existing account on fi le. I presumed this was my TD bank account. After weeks and the funds did not arrive, I logged into my online account and found that another person had been allowed to place their name and account information in my Money Network account, and my funds were instead transferred to this person. The account was a XXXX XXXX account ( i have the account number and routing number on fi le if needed ) and the routing number was from Arizona. The person 's name was XXXX XXXX. I searched this name on XXXX and found the following account but have not tried contacting this person. https : XXXX The account is from the Arizona area XXXX matching the routing number I have on fi le for this person. I contacted Money Network immediately and was instructed to fi le a dispute. The initial dispute was rejected, and when I called to ask why, I was told it was because the paperwork was filled out incorrectly. I fi led a second dispute, and before I received paperwork to add the full details of the case, I received another notice that the dispute was rejected. I called again and was informed that I could fi le an appeal to the dispute. I fi led an appeal via email with no response. I sent five additional emails between the initial appeal, and about mid-XXXX. There was no response. I called Money Network again and was informed that no review had taken place and that the appeal was outside of a XXXX review window so I needed to fi le another dispute. This dispute was again promptly rejected by Money Network. I emailed them again asking why this is happening and have not had a response. Clearly this institution does not care that a person not associated with my account was able to access my account, place their information there, and receive {$1600.00} of my personal funds. I am reaching out to you now in the hopes that at least some form of investigation occurs so this does not happen to another unwitting customer of Money Network. Thank you!
Product: Debt collection

I have never received any correspondence from Wakefield & Associates in my name. I have never opened an account with Wakefield & Associates, nor have I ever received an invoice, or billing information. 

The only correspondence that has been sent to our household was addressed to my wife, regarding a duplicate billing error made my XXXX XXXX, that Wakefield & Associates is trying to collect on. After my wife collected, and sent to Wakefield & Associates, itemized billing information from XXXX XXXX XXXX, documenting the errors that they made, and XXXX did not correct. That issue is currently in the court system, awaiting trial, not the mediation company that Wakefield & Associates " suggests '' that she uses. 

Again, I have no account with Wakefield & Associates and owe them no money. However, even though my wife 's issue is currently in the court system, and I have no records with Wakefield & Associates, the Company has chosen to make false derogatory claims on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. Equifax failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Equifax failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  received paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do s o Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30  and 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there are fraudulent accounts on my report. Please remove all fraudulent accounts of my report, they are hurting my ability to obtain credit and were not authorized by me.
Product: Debt collection

I requested this information from Halsted. 
The name and address of the original creditor, the account number, the date the account was opened, the amount originally owed and please send me a signed contract by me with this creditor. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent ( itemized statement with full history ). 

Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Product: Debt collection

I had a gym membership at XXXXXXXX XXXX at the XXXX location in XXXX XXXX, NY. Due to state mandates, they were closed from XXXX to XX/XX/2020. During that time, there was no way to cancel my membership as the only acceptable forms of cancellation, based on their agreement, were in person or certified mail via the post office. After repeated requests by me to cancel via any other form that does not violate local covid mandates, I was denied my ability to cancel my membership. I have been charged {$73.00} by them and currently have an outstanding balance from them which was sent to collections. Please help me regarding this matter. 

Best Regards, XXXX XXXX XXXX
Product: Debt collection

I contacted the XXXX XXXX XXXX XXXX and asked for paperwork to verify the debt on XX/XX/XXXX via phone. It was never sent. 

They also offered me a settlement over instant messaging on XX/XX/XXXX of {$480.00}. At that time they did not say I had a time limit to accept the offer and I told them that I did not have money at the time for that amount and was asking for something lower and they refused. At that time I called in and asked for verification of the loan because I didn't think I owed close to {$700.00}. Wanting to act in good faith, I tried to get the funds to pay. When I got the money and called back on XX/XX/XXXX, they said they would no longer accept that and that now I had to pay {$590.00}. The principal debt is {$100.00} and they are saying I owe {$690.00} because of late fees. 

I have tried to talk to several different people at this company and they are saying that they will take me to court but won't say when or how that will happen. When I called on XX/XX/XXXX, the employee was goading me and laughed at my situation. I asked him to send me verification of the debt and I don't think he fulfilled the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am in collections over two different fraudulent charges I did not make. 
I have a charge from XXXX which is in collections at XXXX XXXX over an XXXX XXXX for {$120.00}. 
I have a charge from XXXX which is in collections for {$260.00}. 

Regarding the XXXX XXXX XXXX XXXX I have made over 30+ attempts via phone to both companies to remove this charge from my name due to it being fraudulent. I was notified of this charge in XXXX via phone from XXXX XXXX, and I have been trying to fight it ever since. I have done multiple 3 way calls between myself, XXXX and XXXX XXXX. It has pretty much not gotten anywhere, and its mainly because XXXX XXXX wont do their part. XXXX has already realized I did not make the charge for the XXXX  XXXX, so they removed it from my account and placed it on the correct persons account months ago. But because XXXX sent me to collections, they stated they needed XXXX XXXX to remove my name from collections by sending the charge back to XXXX, so that XXXX can send XXXX XXXX back the correct person to put in collections. XXXX XXXX never allows me to speak to a manager or supervisor when I ask, but on XX/XX/XXXX when I did another 3 way call with both companies and myself, they stated the XXXX XXXX XXXX ( XXXX XXXX ) would be doing what XXXX asked and sending the collection back to them. I followed up with XXXX on XX/XX/XXXX to find out if XXXX XXXX did their part, and they stated XXXX XXXX has still not removed my name and sent it back to XXXX. I attempted to reach out to XXXX XXXX again on XX/XX/XXXX, but the number I have been speaking to them on is now out of service. The contact information that XXXX XXXX has on file is not any of my correct information, it is someone elses, the only piece of information they have linking myself to the fraudulent charge is my name. The address, phone number, and email they have on file for me is not correct. I have never used the phone number, email address or home address they have associated with my name. 

Regarding the XXXX  charge, I have contacted XXXX  and they required me to fill out a fraud form since I did not make the purchase but I am in collections over it, I have not received anything back from them. I have been trying to deal with both of these fraudulent charges, but have been trying harder to remove the XXXX XXXX  charge since I found out about that first. I did not even receive any information about the XXXX  charge, the only reason I found out about that one was when I called the credit bureau over the XXXX  charge, and the credit bureau stated they seen the XXXX  charge too. So both of these fraudulent charges were not associated with my email address, phone number, or home address. The only thing linking me to both of these fraudulent charges is my name. 

Neither of these purchases were made on any of my credit cards or debit cards. Neither of these purchases used any of my contact information besides my name. The purchases are not linked to my home address, phone number, or email. Anyone can use my name to make a purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN  continues to report to credit agencies I was late  in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I applied for a personal XXXX with PenFed in the amount of XXXX USD through their Website. Upon finishing the application, I was requested to submitted additional information to confirm my identity such as my state ID and my Social security card, as both me and my father have the same exact name ( no junior or senior ) but different dates of birth and S.S numbers. After that initial request, I received emails 3 additional times to resubmitted these documents to confirm who I was, and I resubmitted each time. Once they had received my information Multiple times I then received an email stating that I was approved and would received a check in the mail. Once the check had arrived, I deposited the check into my account. roughly a week later I received a letter in the mail with the account information so I can make the payments and is when i had noticed that the last 4 numbers if the social were not mine. I called Penfed to try and have this corrected but have not been able to have this done. After some time of Penfed stating they would fix this issue and would send out a letter, we found out that it was my father 's social as it appeared on his credit report. My father did not authorize for them to use his social as i provided all my information. Eventually, Penfed tried to fix the issue by running my credit to see if I would be approved for the loan but unfortunately did not and did not provide any other remediation to an issue they created if they would have seen the verification documents submitted. My father did not agree under any terms to have a loan in his name and nor do I know his social security number and to this day we are unsure how the accounts got mixed but Penfed has offered no recourse to resolve this issue of stolen identity on their behalf.
Product: Mortgage

It is almost impossible to get a hold of customer service to follow up on any questions regarding escrow account either by phone calls, letters and or emails. Their customer service phone help can not and/or does not know how to answer escrow questions and when they claim to transfer your call to another dept the calls get disconnected or falls into same help desk with no knowledge of escrow. I have sent numerous emails, faxes and letters asking for follow ups and then again at no vail. They do not have ANY assistance for borrowers to understand their escrow account and get answers and if you don't pay what states on the mortgage coupon even if you believe the charges not to be corrected, you will get a mortgage late payment against your credit which is not a desirable situation therefore as a borrower you feel helpless and you pay even though you may be overpaying because you can't get answers and explanations to what you are paying. There is a new charge for a XXXX  XXXX on my mortgage statement which is a new fee but my home is a detached single story home and not a XXXX  and I can't get answers. My escrow account keeps going up month after month and I can't get any answers or explanations because I can't reach anyone in their company to help for months!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not updating and reporting the current balances on the account. XXXX XXXX has reported a balance of {$1200.00} on XX/XX/2023 and XXXX failed to update the balance and then also failed to acknowledge a mid cycle update a few days later in XXXX as well for the current balance of {$1000.00}. Therefor failing to report a credit an accurate debt to ratio percentage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was discharged on XX/XX/19. XXXX and XXXX have updated this information to reflect, but Transunion still has not updated their information.
Product: Payday loan, title loan, or personal loan

Sofi has changed my interest rate within less of a year of me establishing in the account. My account is enrolled in autopay. They issued a statement showing an amount of {$2000.00} was scheduled to be deducted on XX/XX/2022. Instead an amount of {$2000.00} was withdrawn from my account. When I contacted SoFi, on XX/XX/2022, to determine why there was an increase. I was told they made an error on my original application and applied a discount in the amount of .25 % twice to my account. I notified them of 12 CFR 1026- Truth in Lending ( Regulation Z ) where the lender is unable to change the interest rate during the first year of the account being establish AND after the first year, the lender has to provide a 45 days notice in writing prior to the changes going into effect. SoFi, has violated the terms stated in the Truth in Lending guidelines.
Product: Credit reporting or other personal consumer reports

This inquiries appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed bankruptcy in XXXX and tried to complete a reaffirmation with Nationstar aka Mr. Cooper and they denied it. Since this took place they stopped reporting the loan to the credit bureau even though we were making the payments in a timely fashion. We later completed a Modification with them and they still would not report the loan. In XX/XX/XXXX we sold the property and paid the loan in full to the original amount including the modification non interest bearing principal balance. We just received a copy of our credit report and noticed they did not report this loan as paid in full. We received the Satisfaction of Mortgage but the at this point they have not reported this to the credit bureaus and due to this our credit has been affected during the last nine ( 9 ) years due to this situation. We made numerous attempts to have this issue resolved and they denied to resolve the issue.
Product: Credit card or prepaid card

30 days no reply and I would like to get this account off my credit profile. 
1. debt has been sold and charged off to another agency 2.Date of Last payment dont match under all 3 bureaus 3.Credit limit and high credit is not the same for all 3 bureaus
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND XXXX XXXX XXXX, OR EQUIFAX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not licensed to collect in the state of north Carolina as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or association shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in NCGS Chapter 58/Article 70 ( XXXX  ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Product: Credit reporting

I have submitted dispute in past for some inquires and incorrect information. Please see the attached letter with details on of specific inquires and credit buereas. Please remove unauthorized inquires. Thank you so kindly in advanced.
Product: Checking or savings account

My HSA with Optum financial was closed on XX/XX/23 because my employer has moved over to a new custodian and I requested a roll-over of my funds approximately {$25000.00}. 
I received an email confirmation of account closure and it was stated the funds will be released in XXXX business days. When I contacted customer service on XX/XX/23, I am being told that it will take up to 8 weeks to get the funds. 
I would like to know if the bank is allowed by law to keep my money up to 8 weeks after closing my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any purpose.