23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive disputed debt and asked for sufficient validation along with proof that I owe them the money and that they have right to payment. I asked for original documentation and their companies credentials. They told me to contact the original debtor. I responded well you know they are closed and that they are the ones trying to collect the debt. I have not heard back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXt I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item ( s ) as it is incorrect and does not reflect my true credit history.
Product: Consumer Loan

I was sued by Autovest LLC on an alleged loan. 
Autovest is a debt collector. They knew that the debt was beyond the statue of limitations. 
This company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt.
Product: Credit reporting or other personal consumer reports

There are Inquiries on my credit report that I did not authorize I made a report to Identity theft.gov. the inquires and dates are as followed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX American Credit Acceptance XXXX XXXX  XXXX XX/XX/XXXXXXXX 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
Product: Debt collection

This bill was directly paid to the company, please see the attached cancelled check. This check was cash by XXXX XXXX. this has been disputed before and has not been removed from my credit report XXXX. this is severely damaging my GOOD CREDIT rating. I have attached the cancelled check. Please remove and update my report.
Product: Debt collection

I email this company with a settlement offer, they accepted gave me a due date, but would not email me a copy of the offer. I told them that the other charges from the apartment was not valid and not my responsibility, I have pictures to prove the carpet was not damaged, the carpet had a odor and roaches noticed after I moved in, did not notice the first day because they had the air conditioning on, which was odd, since it was vacant. The same apartment which is now out of business has done this to many tenants based upon their previous reviews and complaints with the BBB. They also said that I did not leave a deposit, I left a deposit and a pet deposit. I was told that I signed a lease that said I did not pay a deposit, that had to be the renewal, because unless altered the first lease showed the deposits. The Company has done a lot of illegal things. Maybe the reason no longer in business. They are asking me for {$820.00} after giving proper notice and paying {$950.00}.
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 # XXXX Account Name : DPT EDXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX 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.
Product: Credit card or prepaid card

Claim No. XXXX was filed in XXXX, 2021. This is for the reimbursement for the cost of an XXXX XXXX XXXX that I accidentally dropped kitchen sink and is unrepairable and can not be used to make calls because the phone was submerged in the water with dish detergent. I sent all the documentations needed and it was agreed upon that the purchasing of a new phone would suffice the require for a note stating the phone was beyond repair. A XXXX XXXX XXXX XXXX XXXX that cost {$1200.00} was purchased. I sent proof 4 times and 4 times this proof of purchase was NOT attached to my file. I sent emails alleging " game playing '' to keep from paying the claim. I also requested to file a complaint regarding this failure to attach the info that I continually sent to my file. The XXXX has record and shows the payments that were made to XXXX XXXX showing the payments made prior to the damages to the phone. XXXX has all of this as well as the documents that I sent ; however, they are not processing the claim stating they need more information which THEY ACTUALLY HAVE VIA EMAIL AND VIA THE ACCOUNT RECORDS THAT THEY HAVE. I have requested that the refund for the phone be sent to me directly not put on my account. After 20 calls and 20 emails, I know nothing else to do. Bad business...
Product: Debt collection

I did not receive notice for this debt before it was placed on my report. XXXX let me know that it was reported on there this week. Please send me a copy of the debt validation at my address. I dont even know what the bill is or who the com-any is from.
Product: Money transfer, virtual currency, or money service

Opened venmo account XX/XX/scrub>XXXX I've been making transactions for over a week. I've made transfers to my XXXX XXXX  I attempted to make a transfer and the transfer was denied and account was suspended with XXXX $ in the venmo. ID is required all of a sudden. Only I'd I have was emailed because the department does not communicate any other way. I want my money and the account to be closed. This was a huge inconvenience with me having small children at XXXX. Especially when I have been making transactions for over a week. This is not something that was required to open the account so I should not have to provide a thing to get My own money. And if that's an issue, the XXXX $ can be sent back to the original sender. I've never seen a financial institution attempt to make my own money unavailable to me. This was unnecessary and I will never use venmo again. Again, I just want to withdraw my money or return it to sender. But not being able to access my own money on XXXX really ruined my children 's XXXX and they can never get that back. And for no reason. I did not make any unusual transactions and lack of ability to rectify the situation and major over abuse of power when I contacted venmo is certainly a problem.
Product: Mortgage

These people bought my mortgage a few years back, and are the worst I have ever seen in terms of customer service, and that is quite a statement. 
I have run call centers/helpdesks for some time now, and if my staff or response times were anything like this, I would expect to be fired. After waiting 15 minutes to speak with someone, I had a complaint about a fee they wanted to charge me for a piece of basic information ( payoff quote ). I asked to speak with a supervisor, and was told that none were available ( strike one ). I was told that I would be given a call back - when I asked what the timeframe was I was told 72 hours ( strike two - three days, really )? 

Strike three was when I was told that " supervisors do n't leave messages for people if they ca n't get in touch with them '', this in response to me saying that I had never heard back about another complaint I had with them a few months ago. I was told that someone " tried to call me '' three times, but did not get me. Absolutely pathetic - I have no missed calls or messages from them. 

At the end of the day, I need this information to get away from this pathetic company, so I will pay the fee. Exactly what they are counting on me ( and XXXX other customers ) doing because they assume that we will just " go away '' when there is no available escalation path within the timeframe that we need the info in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting Innovis for violating the F.T.C. Fair Debt Reporting Act.title 623.In case # XXXX date XX/XX/2019 stated that my accounts on my credit report did not have any balances or past credit history on them.The following accounts with their ending account hold balances and all of them have status as charge off accounts is as follows ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX-balance {$650.00}. XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance {$600.00}. have not done anything said that their would do.please correct this.you have the 1099-c forms on all those above account please do what you told the C.F.P.B. you said you would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom this XXXX concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided Credit collection services with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them XXXX  days to do so and by law since they have not been in contacted with me within those XXXX  days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to equifax about a factual dispute for double reporting. I received a letter back saying verified. My equifax report clearly shows that equifax is breaking Fcra laws by double reporting. When I called after I received the verified letter I asked an equifax representative to mail me a method of verification to show me how they verified these duplicate accounts. The representative told me they dont do that but by law I have that right to request this. A called again a few days and spoke to a different rep they said they would have to open another dispute and contact the furnisher. Why am I having to wait another 30 days to get this resolved. I even faxed over my equifax credit report to XXXX XXXX XXXX and no one has removed this collection yet. It is driving down my credit score due to equifax reporting incorrectly. They do not investigate anything they live to just say verified but again this clearly shows a collection that is double reporting on my equifax credit report. Please delete this from my equifax report before I take legal action for failing to report accurately.
Product: Checking or savings account

Wells Fargo allowed bankers starting in XXXX to open up products and services without my consent. Eventually this led to an insurance policy being opened I filed a claim with my initial insurance not knowing that they opened up a policy without my knowledge this then caused the claim to be denied as one insurer felt that I was acting in Ill intent as there was two policies opened. Unfortunately this caused me when I was involved in an accident to have my claim denied regarding personal property that was lost damaged or stolen during the accident.

Ultimately Ive also received a number of credit related issues from them leading to my identity being compromised that resulted in an arrest from a county Ive never visited, adding insult to injury Ive had a number of financial ramifications that came due to greed, negligence and incompetence from this company! Wells Fargo continues to avoid responsibilities and not compensate me for the losses that occurred as a result of their bankers and customer service representatives greed, and corruption. It shouldve noted that Wells Fargo each time I called during that time frame manipulated me as a consumer by implying if I see any products or services that may benefit you I will mention them would that be okay? This is misleading and subtle to someone thats calling with financial hardships, and etc including the credit I was also charged for identity protection without my knowledge for years! To add more insult to injury the product wasnt able to help me due to me not knowing certain authentication factors as someone put the wrong information in wanting to put profits over consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 credit inquiries that were not authorized or I have NO IDEA WHY THEY ARE ON MY REPORT. They have made my credit score drastically decrease.
Product: Mortgage

My mortgage services was transferred from XXXX to Mr Cooper, according to RESPA section 6 Mr Cooper must send Welcome Letter within 15 days eq loan number phones and address unfortunately didnt happened make the situation worst they supposedly to transfer my autopay info that I was paying for 8 years without late fee I called them today XX/XX/2019 they had nothing setup and I had to call 10 times and after getting trough I had to wait 24 minutes to talk a person that didnt know nothing about guidelines nor servicing the loan, In 4 days my payment is due and she trying to charge me late fee I being using autopay on XXXX of each day and there is 15 days grace period to pay my mortgage, It seems Mr Cooper involved in fraudulent activities by trying charge late fee and other fee and maybe causing to miss payments and charge others fee.
Product: Checking or savings account

On XX/XX/XXXX I tried to take out XXXX dollars from my bank of the west account using a XXXX XXXX ATM. I did not receive the XXXX dollars and bank of the west said they did a dispute but they said there was no error. I never received the XXXX dollars and now neither bank will help.
Product: Vehicle loan or lease

XXXX  OF XXXX FLORIDA IS TAKING ADVANTAGE OF THEIR ABILITY TO REPORT TO THE CREDIT AGENCIES AND IS REPORTING NEGATIVE INFORMATION TO MY XXXX REPORT AFTER I CONVERT MY XXXX XXXX TO A XXXX XXXX BACK IN XX/XX/XXXX, I MY CASE WAS DISCHARGE XX/XX/XXXX AND I RECEIVED THE FINAL DECRED XX/XX/XXXX BUT XXXX   OF XXXX FLORIDA REPORTED LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX ALSO REPORT FULL BALANCE IN THE ACCOUNT WHEN THEY REPOSSESSED THE CAR IN XX/XX/XXXX AND THE CAR WAS SOLD IN A AUCTION IN XX/XX/XXXX, XXXX XXXX AND THEY ARE ABUSING THE SYSTEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently received correspondence from CITI following my most recent complaint about this account. The response by their complaint specialist was not true as it relates to my credit reporting for this account. This account continues to report a balance of {$3.00} and per CITI 's guidance I have reached out to all three credit bureaus. Each have confirmed they are reporting the balance that CITI provides and they are not able to report a balance on this account. This is not a credit bureau issue, it's a CITI Cards issue. All three credit bureaus informed me to contact CITI in regards to this balance. Please refer to my attached credit report from XXXX and see page 45. XXXX is reporting a balance on this account. Since then, my XXXX  and XXXX credit profiles has updated to report a balance. After disputing each of them, the balance will reflect to {$0.00} for a few day and then will update again. 

To note, the representatives with the recovery department ( including first line workers and managers ) continues to provide inaccurate information regarding the details of this account. I have called their department multiple times this months and I've been told they can not discuss the balance ; yet, multiple representatives have told me there is a current past due balance for this account and have asked for payment. Recently, I received a letter in the mail dated on XX/XX/2021 ( which is attached to this complaint ) stating CITI has requested all three credit bureaus to delete this account from my credit report. This letter was from an internal dispute through their credit dispute department submitted in XX/XX/2021. However, roughly XXXX XXXX  prior to receive the letter on XX/XX/2021 I spoke to a manager in the recovery department, named XXXX, and she told me the internal credit dispute through CITI was denied and I will be receiving a letter stating such. So, which is accurate? Will this account be removed my credit report or was my dispute denied. I do not know. At this time, this issue has not been resolved through the company, the credit bureaus or CFPB. I have no other method for resolving this account other than further formal means. I am requesting a full delete, apology from CITI Cards.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section State
s : 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.
Product: Payday loan, title loan, or personal loan

I borrowed {$55000.00} from BHG as a debt consolidation. I used the funds to pay off the pool installation, my daughter 's wedding, and several credit cards with high interest rates ( 20+ % ). I have been paying on the loan since XXXX of 2020. I do not get regular notices. There is a monthly draft for almost {$1000.00}. The interest rate is about 12 %. I reached out to BHG to see what my balance was. I was told {$54000.00}. That was only a drop of a few XXXX dollar after sending them over {$27000.00} in payments. That's when I found out that they had added an additional {$8500.00} in " fees '' and " insurance '' that I had not been told about. I will be paying them for much longer than I expected. They said " You can refinance after 4 years. '' Why would I finance anything with a company that adds such high fees without telling me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo dealer services is reporting, consumer dispute 90 days late /closed. Instead of paid off.
Product: Consumer Loan

So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this.
Product: Bank account or service

Case # XXXX For XXXX XXXX status shows the account was closed, reported lodt or stolen, and never got re issued or assigned new account instructions for the acct to be re opened for by the bank, on both accounts in which now are closed or in active, unable to access online banking as well, the original opening date of the first acct is platinium relations, in XX/XX/XXXXby me online and by some unauthorized person who received my status and did not maintain the account, then in XX/XX/XXXX I was issued a reg. XXXX debit card, that was stolen no sooner than I got it, this was reported as well never received by me, as it says now on file the account had multiple cards, and they are all now closed ..
Product: Credit card or prepaid card

In regards to CFPB Complaint # XXXX, I sent the customer service dispute dept a letter stating that if they continued their attempt to collect the {$110.00} charge for a fraudulent merchant, I would close my account with them. In response to that letter, BAC has sent me a letter dated XX/XX/2019 stating that my account had been closed. The letter states that I asked for it to be closed. The fact is that I only said that I would close my account depending on the resolution of the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findingsagainst Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.