23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. 

My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX GRANT MERCANTILE AGENC XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} XXXX {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX XXXX XXXX
Product: Mortgage

~XX/XX/2020 - I applied for a new mortgage with XXXX ~XX/XX/2020 - Loan closure ~XX/XX/2020 - Loan funded ~XX/XX/2020 - Contacted Title365 as title search records does not show the property placed back into trust. No return phone call. 
XX/XX/2020 - Contacted Title365 to follow up. No return phone call XX/XX/2020 - Emailed XXXX XXXX XXXX Closing Manager ) for follow up XX/XX/2020 - XXXX emailed me and notified the deed was recorded incorrectly and following up with recorders office for remedy. 
XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - XXXX emailed with two options waiting for the lender to provide a releaseXX/XX/2020 - Emailed XXXX my frustration as this is dragging out too long. No response Loan # XXXX I've made numerous attempts by phone, and email communication to remedy the negligence with Title365, but they have yet to provide a solution and timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on my credit report. 

1. XXXX XXXX {$2600.00}
Product: Checking or savings account

OnXX/XX/2019,IcheckedmyUSAAcheckingaccountandnoticedtherewasaODAdvanceTransferOUTfor{$210.00}onXX/XX/2019.IcalledandspokewitharepresentativenameXXXXandsheputmeonholdforabout5minutestoinvestigate.Shecamebackonlineandsaidtherewasacomputerglitch/batchingerrorinthebeginningofXXXX.Shestated,USAAITdepartmentnoticedaccountshadtransferredmoneyfromoneaccounttoanotheraccount.Inmycase,moneywastransferredfrommyaccounttomysonsaccount.Mysonsaccountwasnotoverdraftandtherewasnoreasontotransfermoneyfrommyaccount.XXXXstatedtherewasnothingtheycoulddoaboutit.

Iaskedtospeaktoamanager.XXXX,XXXXRepresentativefromtheResolutionTeam,cameontheline.IaskedXXXXhowtheyweregoingtofixthiserror.Ialsoaskedwhydidn'tUSAAsendoutanemail,inboxnotificationorlettertoexplaintheirerror.Theyshouldhavereversethetransferimmediately.
Product: Consumer Loan

First of all this company makes it an inconvenience to its customers needing to make some type of arrangement for a late payment. They want their customers to come to the office to make the arrangement and refuse to do it over the phone where as all other financial institutions will gladly do it over the phone. This company wants you to leave your employer to come in the office possibility of their customer losing their job. Second this particular branch calls you a day before the arrangement has been set for saying that the arrangement day was missed. You tell this particular branch you mailed the payment and it takes one day to get from the customer 's house to their office via mail. They still call 6+ times a day after 3 days you mailed knowing they have the payment and want to harass you anyways very unprofessional and rude to their customers.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, I have received a letter from XXXX XXXX XXXX, about a dent with Citibank XXXX XXXX, which i have never request a loan to this ban, i have sent a dispute via mail ( I am including Documentation to you as attachment ) Also in the letter, my name is wrongly with them they have XXXX XXXX XXXX, which i don't have middle name on my legal name! Who ever stole my identity did't know my real legal name! Please help me with this scam collecting company to explain this is not my debt and have never get money from this bank!! 
also on Credit report with the 3 credit bureaus this collection DON'T SHOW! So its something weird on this collection as scam! 

Thank you so much! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have dispute information about these inquiries that are on my credit file that i dont recognize and Equifax XXXX me that they removrd them but yet still reporting on my credit file I have proof down below to remove theses inquiries from my credit file XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Product: Mortgage

Wells fargo is reporting 30 day lates for our loan but we have been paying our mortgage on time every month. My numerous attempts to request wells fargo to correct the reporting on our credit report went ignored ... even after I have provided proof of payment on each and every month we have paid on time!!! their ignorance is anacceptable please help
Product: Debt collection

We tried to fix the debt but they wouldn't take the amount of money we had at the time to continue payments and threatened repo the vehicle. The company is global lending. They refused to honor our verbal contract and is now calling at all hours and won't stop. They leave really rude messages. This needs to stop bevause they have charged it off and are still calling more than XXXX times a day. They use different numbers and refuse to talk to me but yet I am also on the loan. At this point I have told them several times to stop calling and they won't.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

In XXXX of XXXX I reviewed my American Express Serve statement and noticed some unauthorized cash pick-ups. I went all the way back to XX/XX/XXXX, and noticed several more thefts. My account was hacked and repeatedly stolen from. Because I had healthy balances I did not check my statements every month. There were XXXX transactions that all took place in XXXX, XXXX. I have not been to XXXX since XXXX and have no connections there. Here is the initial list : XXXX. XX/XX/XXXX - {$700.00} XXXX. XX/XX/XXXX, " - {$300.00} XXXX. XX/XX/XXXX " - {$800.00} XXXX. XX/XX/XXXX, " - {$1000.00} XXXX. XX/XX/XXXX, " - {$1200.00} XXXX. XX/XX/XXXX, " - {$800.00} XXXX. XX/XX/XXXX, " {$800.00} XXXX. XX/XX/XXXX, " - {$1400.00} XXXX. XX/XX/XXXX - {$1900.00} XXXX. XX/XX/XXXX, " - {$1000.00} I called American EXpress Serve Customer Service. I canceled the card and reported the theft. They sent me an email stating : " Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks, The XXXX XXXX I wrote them requesting the documents they relied on to make their decision and received nothing. 

On XX/XX/XXXX, I reviewed my statements and noticed more theft. 

XXXX. XX/XX/XXXX, - {$1500.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$700.00} XXXX. XX/XX/XXXX, - {$550.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$900.00} All totaled {$18000.00} was stolen. Amex XXXX has done nothing for me. When I called them this time I was transferred to the Fraud Dept. I spent XXXX mins on the phone going through the listed thefts with a rep. They sent me another email still stating that " no error occurred '', and that the transactions were authorized. 

This is wrong!!!!! I need Help Please
Product: Debt collection

Radius Global Solutions LLC has placed a collection reporting to XXXX stating that I owe a balance of {$980.00}. This collection report is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and score.
Product: Credit reporting or other personal consumer reports

{$6300.00} is an incorrectly reported amount owed by XXXX. It purposely shows an amount OVER our credit limit and this has been on credit report incorrectly for 6 years and 6 months. We know its about to drop off in XXXX we want to make note in our credit report of the fraud involved from unscrupulous sales department where WE TRIED TO CANCEL purchase within their specified timeframe but because it was a XXXX company doing business as an American company we NEVER used the credit card for any purchases. This has made our credit rating under rated for almost 10 years as their date wasnt reported correctly but only started AFTER we complained and reported it 6 years and 6 months ago. Extreme illegal activity that we disputed unsuccessfully many times without hiring legal help as we couldnt afford. Please remove this from my credit report. Im XXXX and want NO MORE CREDIT anyway but businesses such as XXXX with salespeople with ZERO INTEGRITY need to be restrained and punished for such illegal activities. Please help.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Debt collection

I AM ATTEMPTING TO MAKE PAYMENTS TOWARDS THE ACCOUNT, HOWEVER THEY ARE REFUSING TO PROVIDE UPDATED STATEMENT AND RECIEPTS TO SHOW ANY PAYMENTS.. AS PER THE COMPANY, THEY ONLY SEND OUT A PROOF THAT THE ACCOUNT HAS BEEN PAID OFF. THEY ARE ALSO REFUSING TO UPDATE THE CREDIT REPORT SHOWING PAYMENTS UNTIL THE ACCOUNT HAS BEEN PAID OFF COMPLETELY. AS PER THE COMPANY I MAY USE MY BANK STATEMENTS AS PROOF. WHICH I BELIEVE IS INSUFFECIENT PROOF
Product: Bank account or service

XXXX have a duplicate acct ln my report. Fifth third Bank checking acct XXXX.
Product: Credit card

I looked at my credit report and noticed some things are incorrect and not accurate. and according the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximize possible accuracy of the information concerning the individual about whom the report relates. These inquires. 

Captial oneXXXXXXXX XXXX Capital one XXXX XXXX Capital one XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In the latest credit report in under my account there are several errors that falls under all or one of the following : Failure to Address Disputes Properly.

Outdated or Inaccurate Adverse Information.

Privacy Act Violations.

Inaccurate or Confusing Information Potential Incomplete or Incorrect Remarks on Closed Accounts I hereby revoke any prior consent provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion, written, verbal, or otherwise, to share or report any of my nonpublic personal information to third parties, including CRAs. 

See attachments.
Product: Credit reporting or other personal consumer reports

XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX  XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please.
Product: Debt collection

Hello, This is my last attempt in speaking with you guys about violating my rights as it relates to my consumer rights. You guys are violating laws and I will list them. I have no knowledge that this account is mine. I have never received any letters from you guys stating you would report my non public information to a consumer report which is a third party entity. You guys will not sue because you are legally unable to, but I have the rights to sue and I will if this is not removed from my consumer report. 

1st law violated is 15 USC Code 6802 Obligations with respect to disclosure of personal information. ( a ) notice of requirement states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. If there was an alleged debt like you explained by federal regulations you are legally suppose to send that notice document. Which I have never seen nor do you have the proof that it was sent. You must also clearly and conspicuously disclose this in writing or electronic form or othr form permitted by the regulations prescribed under section 6804 of this title. And provide clear instructions of how I could exercise rights to opt out. None of that was provided.

2nd law violated what 15 US Code 1692g Validation of debt. you guys never submitted these documents either. If so please provide the documentation. With in five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- -- ( 1 ) the amount of debt : ( 2 ) the name of the creditor to whom the debt is owed : ( 3 ) a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; This was not done either. I have documentation that I have spoke with you saying this debt isn't mine and you continue to furnish inaccuracies on my consumer report.

I am asking for the bill of sale of this alleged debt and this is a notice to sue for aggravated identity theft and other violations that you previously stated in you have not violated.

Please stop responding with pre-typed responses and take this matter serious. I know every consumer law and you may want to get familiar with them before you cost you and your company XXXX.
Product: Debt collection

I Called The company to tell them i have no knowledge on this account in multi occasions they refused even for the charge that wasn't verify. they violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report
Product: Credit reporting or other personal consumer reports

I just received my credit report for XXXX and TransUnion, and they told one of my XXXX XXXX loan accounts are not being reported by the bureaus.
Product: Prepaid card

I received an Amex Gift Card from my employer valued at {$100.00}. I confirmed the balance to be {$100.00} as of XX/XX/2024 on the website printed on the card. I attempted to purchase an XXXX Gift XXXX XXXX XXXX for {$100.00} and found the purchase declined. I was able to complete a similar transaction with a different Amex Gift Card for {$25.00} that same day. After learning that this is a common problem with Amex XXXX XXXX, I tried several other smaller dollar values, which were all declined from the {$100.00} gift card. Finally, I simply tried to purchase the items I wanted from XXXX totaling {$95.00} using the Amex Gift Card. Upon looking back, I found that the order was again declined by the Amex Gift Card and instead charged to a backup payment method that I did not want to use.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX ( XXXX ) XXXXXXXX XXXX Re : XXXX FRAUD DISPUTES Identity Theft Resolution Professional XXXX EXT : XXXX XXXX XXXX XXXX XXXX, TX XXXX NFCU XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 I am writing to bring to your attention a matter of grave concern regarding the discriminatory practices I have experienced with Navy Federal Credit Union , as well as the subsequent inaccuracies in reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am entitled to reasonable accommodations under the Americans with Disabilities Act ( ADA ) to ensure equal access to services provided by financial institutions. Despite multiple requests for accommodations, Navy Federal Credit Union has failed to provide me with the necessary assistance, thereby violating Title III of the ADA. 

Specifically, Navy Federal Credit Union has refused to allow me to make payments over the phone or in person at a branch, which are essential XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This refusal to accommodate my needs is not only discriminatory but also constitutes a violation of my civil rights under the ADA. Moreover, Navy Federals insistence on penalizing me for being unable to make payments through these inaccessible channels is further evidence of their discriminatory practices. 

In addition to the denial of accommodations, Navy Federal Credit Union has also inaccurately reported my account status on my credit report. Despite the extenuating circumstances surrounding my inability to make payments, Navy Federal has failed to update my credit file accordingly, resulting in severe financial harm and further discrimination. 

Furthermore, Navy Federals failure to acknowledge and address these violations has forced me to seek assistance from Adult Protective Services due to ongoing victimization online, XXXX XXXX XXXX XXXX XXXX XXXX. 

It is imperative that Navy Federal Credit Union rectifies these egregious violations immediately by : Allowing me to make payments over the phone or in person at a branch without penalty. 
Updating my credit report to accurately reflect the circumstances surrounding my inability to make payments. 
Providing compensation for the financial harm incurred as a result of their discriminatory practices and inaccurate reporting. 
Failure to take appropriate action to remedy these violations will leave me with no choice but to pursue legal action. I am prepared to seek remedies under Title III of the ADA, as well as any other applicable laws, to ensure that justice is served. 

I have also copied the Consumer Financial Protection Bureau for their attention to this matter. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

XXXX XXXX [ Enclosures : Documentation of XXXX, previous communication with Navy Federal, relevant legal citations ]
Product: Credit reporting, credit repair services, or other personal consumer reports

There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019