23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. 
Attached is my XXXX Filing Search Results Report from the XXXX XXXX XXXX XXXX XXXX XXXX which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via XXXX with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Product: Debt collection

XXXX My lawyers XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Trustees XXXX XXXX Fiduciary and XXXX XXXX XXXX XXXX SC. With XXXX XXXX of SUNTRUST BANK. 
PUT DEBT AGAINST ME AND MY HOME. THEY TURNED INTO THE COURT AND IRS THAT THE DEBTS WERE PAID OFF. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, I submitted disputes to Equifax ( XXXX # XXXX, XXXX, XXXX, XXXX ) under my rights provided by the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681i ( a ) ( 1 ) ( A ) **, requesting an investigation into inaccurate information on my credit report. 
On XXXX XXXX, XXXX, Equifax confirmed the completion of its investigation and stated that the disputed information was **verified as accurate**. However, Equifax **failed to provide the documentation used** to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding credit report entries which are not being reported as required by Federal and State laws on my personal credit report account under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus. 
On or around XX/XX/XXXX, the credit report scores belonging to my husband and I, dropped XXXX points because previous servicer, XXXX, closed our home loan account with the credit bureaus. We were notified by the previous servicer, XXXX, that Selene Finance would be the new servicer on our loan. We have made payments to Selene Finance since XX/XX/XXXX, and they have not reported any activity on our credit report. 
In addition, we have contacted Selene Finance for the following three other issues regarding the servicing of our loan : 1. The loan amount since XX/XX/XXXX is incorrect according to a letter from the previous servicer. 
2. Selene Finance is collecting money for home insurance in the monthly escrow payments but has refused to pay the company who we selected for our homeowners insurance. We received an email that the company is going to cancel the insurance if they do not receive payment. 
3. We have not received an escrow disclosure form from Selene Finance. 
As a direct result of the closing of the loan from the previous servicer and Selene Finance not reporting our current payments for the last 3 months, we have been financially harmed with a higher insurance premium on our auto and homeowners insurance policies. In addition, we have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect address on my credit report I have never lived there
Product: Debt collection

Several months ago, I went to an urgent care facility to take a XXXX test, which was required for work. I had asked the receptionist whether the test that was going to be administered was par with my insurance, and she is assured me that it was. Weeks later, I received a letter from sad establishment indicating that I had a bill in the amount of {$920.00} for the XXXX test that was taken. I was under the impression that XXXX  tests were covered by my insurance and that the testing facility that was used was par with my insurance, making it a free test. The creditor, XXXX XXXX lab was apparently, not par with my insurance and sort to charge me the above amount. They have since saw the help of legal aid by way of the The Levinbook Law Firm P.C. to collect on my supposed debt. I have told XXXX XXXX XXXX that I was unwilling to pay the debt because I was told that the insurance was par with their facility. So, I am still unwilling to pay any debt that is owed. I hope that you can help in this matter, as it has caused me great stress in my older age, and in my retirement. I have limited funds, and XXXX not in a position to pay close to {$1000.00} for a test that was supposed to be free. 

The date of service was XX/XX/2020. 

Persons to contact at the law firm are XXXX XXXX XXXX, and XXXX XXXX. They can be contacted at ( XXXX ) XXXX and toll free at ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA section 609 ( 2 ) request for you to to provide me with the following information with in 15 days why was the public record deleted from my credit file and added back to the credit report! you must contact the original furnisher of this public record not some 3rd party vendor like XXXX or pacer! 
Please review your public information on your credit report dated XXXX And I quote this section include public record items Equifax obtain from local state and federal court through a third-party vendor XXXX XXXX this is a violation of the FCRA you must obtain information as to why was the public record removed and added back to the report from US bankruptcy court case ID XXXX clerk of Court address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number XXXX I have asked you a least 25 times and you havent provided not 1 thing remove this from my report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights has been violated, 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 no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Fedloan Services for my student loans. On XX/XX/XXXXI was granted both a delinquency Forbearance and a general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) On XX/XX/XXXX I was granted another delinquency forbearance and general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) Both of these are still showing as 90 days late on my credit report even to they were in forbearance ; the Fair Credit Report Act Section 623 ( a ) ( 2 ) seems to support the removal of previous negative credit history. It is my understanding of law that- Some cases the new information corrects a report that was erroneous ( e.g., the loan was wrongly reported as delinquent, because a deferment authorized delayed repayment ), and in others the subsequent information updates a report that was accurate when it was made ( e.g., the loan was correctly reported as delinquent, but has subsequently been paid ). You ask if the school must report the updated information to the original credit bureau, and if that agency is required to accept the data. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. I have requested Fedloan to update this information to the Credit Bureaus and they have told me twice they would not update my credit information on dates of XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

Hello On XX/XX/2023 my debit card was hacked and fraudulent transactions occured at XXXX and XXXX. XXXX pre-authorizations at lowes in the amount of {$950.00} ( total {$1900.00} ) and XXXX transactions to fandual {$500.00}, {$400.00}, {$400.00}, {$200.00}, {$400.00} {$200.00} {$200.00}, {$350.00}, {$150.00} {$400.00} ( total {$3200.00} ) I have reached out to the 5/3rd bank and provided my fandual statements from XXXX to XXXX showing them I've never deposited more than {$500.00} in one day ( only deposted XXXX time {$500.00} since having the account ) and never have Ive done muiltiple transactions totaling over {$500.00} in one day. On XX/XX/2023 I saw the transactions coming out my account and I immediately called 5/3 bank to cancel my card which I had in my possession and dispute all charges. XX/XX/2023 Bank stated that the XXXX  charges wasn't completed and was just pending. XXXX XXXX fraud system worked basically and held the transactions as pending ) The XXXX was not!!! they stated the activity is consistent with the location and type of purchases i made in the past. Again I have provided my statements to 5/3 bank showing them I've never made the fandual transactions on said date and Fandual even confirmed I've never done any of those transactions.
Product: Debt collection

Air force and Army Exchange has repeatedly confiscated my federal tax returns through the Treasury Offset Program since XX/XX/XXXX for a ( {$1000.00} ) debt incurred in XX/XX/XXXX. They have not reported or updated information to the credit bureau for several years, and it appears nowhere in either open or closed accounts. They have not provided me with reciepts, or balance sheets, or account statements of any kind, by any means at any time since XX/XX/XXXX. My XX/XX/XXXX return was only partially confiscated, and I recieved what was left over, indicating the account was paid off. This year my XX/XX/XXXX tax return was just confiscated in it's entirety, {$940.00}, and I was given no record of amounts owed, paid, or received, and this account can not be found on any credit reports. I believe they are fraudulently churning old accounts, and stealing the money whenever they want. In my attempts to contact AAFES or Military Star Card customer service, they claim to have no information of me ever having an account, and claim I am not in their system. I do not know how to resolve this matter in any any other way than to use my Protected Veteran Status to begin legal action against AAFES, TOP, and the IRS. In regards to my XX/XX/XXXX tax return theft TOP, Trace # XXXX and Account # XXXX Please help me get my XX/XX/XXXX tax refund returned to me as it was confiscated through illegal means.
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 XXXX XXXX to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX  may make any XXXX XXXX  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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any cXXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Inquiry. Not authorized Inquiry date XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

My mortgage company performed an escrow analysis, but failed to include the upcoming payment in the analysis. Since my loan has been initiated with this company, they have received timely payments, a week to 10 days prior to every single due date, yet for some reason, they did not include the upcoming payment due in their analysis. As a result of this failure, their analysis indicated I was owed a {$28.00} refund, but that my payment would be increasing {$78.00} to cover a shortage in escrow as of next year in XXXX. Had they included the upcoming payment in their analysis, it would have shown that they actually owed me {$620.00}, assuming the increase in payments to be made starting in XXXX ( for the XX/XX/XXXX due date ). 

I have proposed 2 options : 1. Because the guideline on escrow balance is that is it is always at least 2x the monthly escrow portion of my payment, I could repay the {$28.00} refund that was provided, and add an additional {$3.00} that would ( once my XXXX payment was actually included in the balance ) make up for the shortage that would have occurred in XX/XX/2023 and would allow my payment to stay where it is, at least until next year, when it clearly would need to be increased to ensure 12 escrow payments of N is equal to the total disbursements for taxes and insurance + 2*N. 

I currently make {$510.00} monthly escrow payment for a minimum required escrow balance of {$1000.00}. This is the option I essentially invoked on my own, because it only cost me {$3.00} and would allow my payment to stay the same for another year. 

2. Now that they still refuse to accept that my payment doesn't have to increase this year, even after showing them all of the math. I accept that the more reasonable go forward solution, because the annual disbursements will be a total of {$7100.00} and the {$510.00} will clearly not cover that amount, let alone provide the 2*N monthly minimum escrow balance, would be to increase the monthly payment, BUT in that case, I want a refund for the FULL amount I am due, which at this point is {$620.00}. This amount is based on my escrow balance at the end of XX/XX/2023, which, assuming continued payments at their increased rate, will be {$1800.00}, but the required minimum is only {$1100.00} ( $ XXXX ), for a difference of {$620.00}. 

Everyone I've spoken to is so quick is explain to me how they are automatically right, they will not even listen or entertain the fact that their analysis is flawed and was missing the payment in question. I'll add that I am a XXXX XXXXXXXX and have several years of experience in the XXXX XXXX I.e. I'm pretty decent at simple addition and subtraction. 

The first gentleman who called me, XXXX XXXX, even went to far as to claim the reason my XXXX balance didn't include the XXXX payment was because I paying a month ahead on my mortgage, so they could not assume I would be making a payment that month. This is blatantly false, and was merely an attempt to try to obfuscate the error in the analysis. The transaction history I downloaded directly from their website proves this is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021, a Contract was entered into with XXXX XXXX XXXX located in XXXX XXXX, NV. Items were chosen for the products. About two weeks later, a call was made to us by XXXX XXXX stating that they were unable to provide the merchandise, because the manufacturer of said products had removed the samples from their store. She then asked if she could send us pictures of another sample. She was told no, we would come in and see what else they had. ( Big mistake ) We did chose something else. After not hearing from XXXX XXXX XXXX  on XX/XX/XXXX, I, XXXX XXXX, made a call to the store. I was told XXXX XXXX was on vacation. However, she left a note stating " That the counter top we ordered was also not available, because they were having trouble getting anything out of California. I then asked her if she had any idea when the material would be available, she answered, " It could be two weeks, a month or longer. '' She also asked if we would come back in and chose something else. I told her, " No. '' I then asked her if the cabinets were ordered. She replied, '' I don't know, someone else is supposed to order them. I asked her to call me back. She never did. On XX/XX/XXXX, I called her and told her to cancel the Order, because by then, XXXX XXXX XXXX had breached the Contract. She replied, " I don't know how to do it. '' I told her I would call the bank and file a Dispute. On XX/XX/2021, I called US Bank filed a Dispute. They reversed the charges. Just like this complaint US was given the information they requested. US Bank only response through emails, stating they are looking into resolving the matter. US Bank did call my cell phone on XX/XX/XXXX, at XXXX. Left no messages. Only after I checked my bank statement did I realize they Bank had reversed the charges. Claiming they could not get a hold of us. They are claiming XXXX  said, they delivered the products. We had sent several emails to XXXX, all to no avail.

US Bank, something about them no able to get the products because of COVID. XXXX  had four boxes of backsplash delivered to our home. At the time we had no idea what XXXX  was delivering. They were left on the porch without our consent. That was the very first time XXXX  had ever been in touch with us after the Contract was canceled. US Bank took their side and gave them back our hard earned money. They said that's what Visa would want. US Bank did call our cell phone again On XX/XX/XXXX, at XXXX XXXX  and leave a message, only after I had made several attempts to reach a " supervisor '' to find out how such a decision could be made.
Product: Mortgage

Annual Escrow Account Disclosure Statement has a material error - the estimated property tax for XXXX is double what it should be ( from $ XXXX in XXXX to $ XXXX in XXXX ), resulting in an error in my new payment effective XX/XX/XXXX. I have called four times over the last month and each time the customer service representative quickly recognizes the error, escalates the issue, and promises that it will be corrected and that someone will follow up with me. I have yet to receive any follow ups or notices of correction. This is my third CFPB complaint submitted against BSI Financial Services since my mortgage was transferred to them XXXX year ago. Apparently, submitting CFPB complaints is the only way to actually get them to do anything.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors
Product: Credit reporting or other personal consumer reports

I had XXXX student loan accounts with the department of education ( Creditor ) Aidvantage which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( Aidvantage creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all XXXX credit bureaus, The have sided with the Department of Education they have not taken it off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices. 
From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
Thank you for your attention to this matter Sincerely XXXX XXXX
Product: Student loan

I began to pay my student loans back in XXXX with EdFinancial Services. Both times that I have tried to make payments, it says that the payment was returned by the bank possibly due to insufficient funds or another reason. I have called the bank and they said they did not reject it and don't have any evidence of any payment attempting to be made at all. When I called EdFinancial Services, they just told me to call the bank, which I already did. I am afraid that I'm going to owe all of this plus interest soon and that it will effect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX XXXX XXXX TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.