23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 7 years 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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

I set up the autopay for the American Express card, but it didn't work. It still charged me late fees and interest, leaving a record on my credit report. I have contacted the customer support but it did not solve
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Product: Student loan

I was called by sunrise credit services to pay my student loan I was told it was over XXXX but I got a call from XXXX XXXX services saying it was XXXX
Product: Debt collection

Portfolio Recovery Associates claimed that I made a {$5.00} payment on 3 accounts of unverified credit card accounts to XXXX, XXXX   and XXXX credit reporting agencies. This caused the reaging of the accounts from XXXX to XXXX. I never made a {$5.00} payment to Portfolio recovery or any unverified creditor.
Product: Student loan

I was called 6 times yesterday ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), and 2 times today ( XXXX and XXXX ) by Navient. I answered the second call today and stayed on the line for 17 seconds before they disconnected. This happened when they were harassing me in XXXX. Whenever I'd answer, they'd immediately disconnect. I recognize this as a psychological tactic used by corporations to circumvent laws, such as the FDCPA. I have requested all correspondence be transmitted in writing multiple times over the years with the most recent being in XXXX of last year, but they are not honoring this request. The calls are in regard to mismanagement of my payments as I've continued to make payments, but they are claiming they're not receiving them, stating that payment information has changed on their end. As of right now, they are requesting that I send them bank statements with payments to prove that I've been paying, but that request seems unreasonable as that would mean I am servicing my own loans. It is the customer 's responsibility to pay and the loan servicer 's responsibility to service the loan. - I am a customer of Navient, not an employee.
Product: Mortgage

To whom it may concern, I was looking over my parents mortgage papers, and noticed that when they bought there house they first time buyers and the mortgage company they went to was XXXX XXXX, there house was priced at {$87000.00} with a down payment of {$3200.00} which leaves them financing {$83000.00} at a 9.347 % interest rate on the loan, looking over the papers, I discovered that they charged them a finance charge of {$160000.00} which is more than the asking price, the total loan ended up coming out to be {$240000.00}, which is almost more then double the price something is n't right here, and something needs to be done about this, they bought there home back in 1996 and still paying off this huge loan when really the house should be paid off, the real loan total should have been {$91000.00}, also in the matter they had a lawyer present through all of this, but looking through the papers his signature is no where to be found on any of the documents, My father would like a reduction on his left over balance of what he owes because this company fraudulently took advantage of them and something needs to be done, the reason we were looking through the papers was my Dad had to refinance through HARP at the time he had a 30 years fixed rate, but he thought he could do better through a HARP refinance. which he found out not to be the case, he thought he was getting a 30 year fixed modification at his age of XXXX years old, that would have been appropriate, the modification was done through XXXX XXXX, they had a program called the XXXX step which part of the loan was at 2.5 % interest and the remainder portion was at 3.0 % interest, but it turned out that was n't the case, he thought the HARP program was going to help but he came to find out that they gave him a 40 year mortgage instead they broke it down to XXXX different percentage pay scales, his intent of getting the modification was to get a 30 year fixed. he did n't want his mortgage to go up, he wanted it lowered because of his age, so he basically went from the fringing pan to the fire by getting his loan modified, being a trusted soul I thought that everyone would do right by him, because of the modification he will not be able to afford it when they do the next bump up on the interest rate, bottom line is that HARP does not help it hurts and needs to be fixed, the total mortgage process has be traded him, That we are seeking justice for all of this.
Product: Credit card or prepaid card

On Monday XXXX XX/XX/2020, I used my Way2go prepaid card ( provided by Florida unemployment to receive my unemployment funds ) to tried to pay a bill via on the phone and my card was declined. I didnt understand why my card was declined the payment transaction so on Monday evening after several hours waiting on the phone finally Way2go prepaid card answer I explained to the Way2go representative that I was surprised that my card declined when I tried to pay my bill then Way2gXXXX representative told that my card had XXXX valance I said to her how I supone to have money. She said  that on Sunday XXXX my account show a withdrawal but I did not do any withdrawal on Sunday XXXX. Then she said that my card will be cancel and Way2go will sent a new card and sent a claim papers that I have to fill out and sent them back to Way2go. I agree to way the 3 days to receive the claim paper after 8 days I decided to call again to Way2go because I didnt receive the claim paper them the nightmare with Way2go started customer service are so rude and waiting time to answer minimum 2 hours. In a rude way a Way2go representative told that WHAT I think if I believe the claim paper will be at my home in 3 days!! He said that the paper will be in my home in 10 days so I asked if in 10 days I will receive the claim how long will be the process he said around 45 days. To hear that was unpleasant but I had no option that just wait. I receiveD finally the claim papers on XX/XX/XXXX I fill out them and sent by fax I call Way2go today to ask if the got my fax and customer representative say yes then she asked if I did police report and answered to her no because I didnt lost my card or someone stolen my card I have the card with me and I had until now no idea how someone can take money for my card if I didnt loss my card Anyway I told her if Way2go ti need a report police I will go right away to get one even still no understand how or why I suppose to say to the police that I wanted to get a police report because I have my card with me and I thrust way2go to hold my unemployment fund. Now after long day to run to the police department to do the report and got the number report I called again to Way2go to give the police report and after 4 hours waiting to be help on the phone WAY2GO CUSTOMER SER ICE SAID THAT MY CLAIM WAS CLOSED AND WAY2GO DENIED MY CLAIM. How it is posible! I didnt withdrawal any money from my account on that Sunday that Way2go go said. It is something weird I need help please Way2gXXXX suppose to do a investigation they have cameras in ATM machines I didnt do any withdrawal on Sunday XXXX I was at home. Please help me. I trust Way2go because the unemployment sent me the card.
Product: Credit card

I filed a claim against a merchant who failed to deliver the services as outlined in the contract. 

I had my last contact with the vendor and the credit card issuer ( Citibank ) today XX/XX/year>. They denied the claim saying that the service was rendered. The product they provided is inferior and unusable. 

The charges total more than {$1200.00} and I have received no benefit from the charges and it is incumbent on the merchant to supply what is listed in the contract. They have failed to do that hence the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had someone that was not me try to take credit cards and loans out in my name. 
It caused issue with me buying and getting a home improvement loan. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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: Credit reporting

I have no knowledge of accounts opened that were asked of me to verify my information.
Product: Debt collection

WAKEFIELD & ASSOCIATES I are trying to collect on a debt that not only did not originate with them but was created with a company I have never received any type of personal services with. They have yet to submit documents of service to support their claim.
Product: Mortgage

Our mortgage is through Wells Fargo XXXX XXXX XXXX. We had an issue in getting the mortgage insurance payment removed and had filed a complaint via cfpb earlier this year. XXXX did respond and finally removed this charge however, they did not refund the XXXX months that were collected in error. According to the loan, once it reached XXXX, loan was XXXX  years or older and had XXXX months of current payments this insurance would be removed. Per the XX/XX/XXXX statement the loan balance was below the XXXX amount required to remove the MIP ( the statement on XX/XX/XXXX shows balance of XXXX ), the loan was also older than XXXX years and also had more than XXXX  months of on-time payments. We eventually filed a complaint via cfpb in XXXX as XXXX did not want to remove this extra insurance after we tried to work with them. On XXXX XXXX after all requirements were met XXXX made a mortgage insurance payment XXXX MIP ) of XXXX again the balance here showed below the require XXXX. Again on XX/XX/XXXX WF made yet another MIP payment of {$69.00} even though AGAIN all requirements had been met. Eventually after XXXX asked for an extension to look into this matter they came to the conclusion on XX/XX/XXXX that in fact conditions were met and that MIP should not be collected. We have yet to date received a refund in the amount of XXXX as these should not have been paid and they were also being reviewed prior to our complaint with cfpb and payment to MIP also were made after the complaint was filed. We would like our refund that is due to us for XXXX improperly charging and collecting this MIP as all conditions had been met.
Product: Debt collection

XXXX has medical information that has been sent to a third party vender FINANCIAL DATA SYSTEM thats has been listed on my credit report since XXXX When I try to dispute it XXXX will drop my credit report almost 60 points instead of trying to fix the problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX Bank about 8 years ago. I used the card one time and paid the monthly balance. There was an outstanding finance charge of less than a dollar. I pleaded with XXXX XXXX to allow me to pay the small fee and waive the late fee but they insisted on corrupting my credit history from such a small petty charge. I paid the balance and shut the account down and never used it again. It has been beyond the 7 year period of reporting. This account should NOT be reported on my account and has negatively impacted me for all of these years. I alerted them to this issue that it should fall off and they have not taken any action. It is disturbing that XXXX Bank would break the law and continue to report this petty faulty information on my report. I have multiple car loans, mortgages and credit cards and this is inaccurate to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX EXPERIAN FAILED TO VALIDATE THIS ACCOUNT. THIS ITEM IS INCORRECT. THIS ITEM WAS PAID DIRECTLY FROM XXXX. AND THE UNIVERSITY WAS PAID DIRECTLY. THE UNIVERSITY REPORTED THIS ITEM AS A COLLECTION, AND FALSE. WILL SEEK LEGAL ACTION, IF NOT CORRECTED.
Product: Debt collection

After a lease denial I requested a refund from the leasing office. Who then proceeded to provide no communication about the refund. Soon followed up by them attempting to collect a debt with no notice before reporting it to the credit report agencies.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( One Main Financial ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( One Main Financial ) of any sort. 

In regards to The company ( One Main Financial ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( One Main Financial ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( XXXX ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX .... 

XXXX XXXX XXXX XXXX .... 



I tried calling today XX/XX/year> was connected to 4 different people and as always that 4th person pretended that he could not hear me and hangs up, This is an ongoing thing with Experian. Ever single time I call they pretend that they can not hear you and disconnect the call. I received an email saying that my disputes were done and upon looking they are not complete. Also I noticed addresses that are not mine on my report, I will be taking them back to court I have had it with these credit bureaus 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
Product: Debt collection

I have a auto account from gold acceptance/reliant financial services that is continuing to report the the credit bureau that I owe on this account and I sent them paperwork that shows that I paid the car in full and have a release of liability and they refuse to take it off my credit report and it is damaging my credit and they are trying to collect a amount that is false as well I have the paperwork to show all this if needed
Product: Debt collection

On XX/XX/2020, I had been contacted by a company called XXXX XXXX XXXX XXXX whom informed me that they bought my debt from Pendrick Capital Partners II LLC. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked XXXX XXXX XXXX XXXX. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an 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 for any purpose.
Product: Debt collection

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Debt collection

XX/XX/2022 XXXX pm Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me XXXX times while I'm at work from XXXX XXXX  to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work
Product: Credit card or prepaid card

My phone was stolen, and charges were made using my device at multiple merchants totaling {$1200.00}. I filed a dispute with kickoff lending and for whatever reason they claim that no funds will be credited to my account and this matter would be considered closed. I was sent a notice that served as a final resolution of the claim. I do not believe that they A thorough investigation of the incident and therefore should reimburse me for the funds that I had lost due to this theft. On XX/XX/2022, XX/XX/2022, XX/XX/2022, are the dates that that took place. The amounts are as follows {$820.00}, {$13.00}, {$240.00}, {$100.00}, {$38.00}, {$30.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$62000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Didn't receive enough information to validate debt First I dont have to write an explanation demonstrating any errors on my credit reports. Second your send a copy of a letter from XXXX XXXX  where says the acccount is sold to Midland Credit Managment the document that you sent me does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

I want you cease and desist all collection activity from this account. Because I dont want Midland Credit Managment report invalidated information to major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX acct XXXX, XXXX XXXX XXXX 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 for purpose.