23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A company XXXX, TX charged me for items I didn't receive and don't have. 

- I complaint to my bank credit card, Navy Federal Credit Union. 
- They said they will do an investigation - The company sent my bank an invoice but the item was not sent to my address. I do not know this address. It is also the first time I've seen the invoice. I was never provided an invoice by the company. 
- The company sent my bank a delivery tracking number, but it is not me nor did I sign for it. 
- Apparently, my bank believes this company that has a P.O. Box for an address. My bank credit card thinks I will just pay for getting nothing. 
- The amount is {$93.00}. 
- Attached document bank provided to me that the company provided to them. I never received any of these documents before the bank provided.
Product: Debt collection

On XX/XX/18 I spoke with a customer service rep with American First Finance to process a payment. I have an agreement with said company for automatic withdrawal on Friday 's once a week from my bank account. However, my employer changed thus changing my deposit status from direct deposit to a prepay debit card. Therefore, when I made a payment via telephone with customer service I authorized them to make a 1 time payment from the prepay debit card as the funds were no longer available in the original account authorized. Then on XX/XX/18, XX/XX/18, & again on XX/XX/18 American First Finance made additional withdraws in the amount of {$46.00} from my debit card without my  written, verbal, or expressed permission. I contacted American First Finance on XX/XX/18 in regards to this matter & asked they review the recording from when I made initial payment from my debit card to verify I never gave them permission to make any further withdraws from that card yet it was taking place. After reviewing the recording the manager on duty told me I did not specifically tell them not to keep my card number on file so it was automatically added as a method of retrieving payment. I explained to her I didn't specifically give them permission to save my card information either but in fact both according to their recording and my statement the agreement was for a 1 time payment & I further questioned the legality of their actions. Her response to me was that " it happens ''. That was the end of our conversation. So my question is to the legality of this situation. Being, if I have hidden a key to my home outside my house but give an acquaintance permission " 1 time '' to use that hidden key and enter my home yet, on their own accord they choose sometime in the future to re-enter my home without my permission did they some how have an expressed permission to re-enter my home because I gave them permission " 1 time ''? I don't believe that would be considered legal neither do I believe it is legal for American First Finance to re-enter into my debit card account without my written, verbal, nor expressed permission.
Product: Debt collection

This company -Fair collections and outsourcing- is attempting to collect a debt I do not owe. They have failed to send me validation for this debt as I have sent three separate letters for proof of debt validation. This company is only reporting on XXXX credit site ( XXXX ) because the other XXXX credit agencies have already deemed the collection fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Add this to my recent complaints. Because I know my life and I have had several life changes my goal was to refinance my house purchase my retirement car and live life happily ever after. 

As a direct result of the Score of XXXX that Transunion provided to XXXX XXXX the rep advised me the reason is because of that score. My reate was higher and the loan amount was limited as a direct result! 

And the rep said because my credit has been pulled so many times recently. Back to what I said who are they to limit me from getting the best rates, consolidating, etc when I WANT TO! 

Delete all inquiries from my report. It is no ones elses because who I am inquiring of credit from. When I get it then they can see it until then that information belongs squarely with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax for a public record on my credit report that had inaccuracies. They did their investigation and verified the information was correct. I then submitted another dispute and provided supporting documents to show the inaccuracies and with those inaccuracies that account is not mine. Equifax after verifying the information to be true has now just modified the account instead of removing it as I have asked. Equifax verified this information was correct from the court but was not and has been on my credit report since XXXX and Ive disputed this account in XXXX. I ask that Equifax remove the account and not modify it because they verified an inaccurate account at accurate twice from the court house/ XXXX and it was incorrect. I ask that they provide the account as listed before the modifications as proof that those inaccuracies I reported were in fact true.
Product: Checking or savings account

XXXX transaction on checking account that was canceled but payment released and charged to my account on XX/XX/XXXX. 

XXXX transactions not cleared and called customer service to assist and cancel fraudulent transactions and was told they couldnt do anything until posted and then I could file a dispute claim. 

Called to file dispute claim for the XX/XX/XXXX canceled/paid and XXXX I tried to cancel but posted and was told to late couldnt file claim to late and I had to call XXXX customer service. Called XXXX customer service and was told I can post a complaint but they couldnt cancel or help either. So, neither corporation carriers fraud insurance to cover the Scam/Frauds going on via the internet. Customer has lost a lot of funds and its no ones fault to correct.
Product: Credit card or prepaid card

I opened this pre-paid credit card and opted for paperless billing. I never received a statement and only found out I had an outstanding balance when they reported me 30+ days late and it appeared on my credit report. 

I called them and told them I had never received an email statement notification. They asked me to verify my email and when I told them it was XXXX they told me that there was a known problem with their emails not going through on XXXX. So I immediately changed to another email address and am now getting the statements. 

I asked the rep if they would take off the 30 day late as I never received a statement and they knew XXXX was a problem. I was told that it was my responsibility to be checking online for my statement and as I had agreed to paperless billing they would not change it. 

I feel this is unfair as I would have immediately paid my bill had I received a statement and they were aware of the issue with XXXX. As I had recently opened the account and had never received a statement, I did not realize that I had not received one. 

I believe in light of it being a new account and them knowing that XXXX was not delivering statements consistently they should remove the 30 day late. I spoke to 2 different people who flatly refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Debt and Demand for Validation** **Dear Sir/Madam, ** I am writing to formally dispute the validity of the debt reported by your agency, Ability Recovery Services, on my credit report. According to my records, a new account in collections was added to my credit report between XX/XX/XXXX, and XX/XX/XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX. The details of the account are as follows : - **Collection Agency : ** Ability Recovery Services- **Original Creditor : ** XXXX XXXX XXXX XXXX XXXX XXXX : ** {$1100.00} - **Account Opened : ** XX/XX/XXXX - **Account Status : ** Open - *XXXX : ** Medical Additional details reported on XX/XX/XXXX, are as follows : - **Collection Agency : ** Ability Recovery Services- **Original Creditor : ** XXXXXXXX XXXX XXXX XXXX  - **Amount : ** {$1100.00} XXXX **Account Opened : ** XX/XX/XXXX - **Account Status : ** Open - **Type : ** -- - **Responsibility : ** Individual - **Remarks : ** XXXX # # # Dispute of Debt Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation and verification of this debt. Please provide : 1. Proof that I owe this debt.

2. A detailed account statement showing how the debt amount of {$1100.00} was calculated. 
XXXX. Copies of any signed agreements or contracts that indicate my consent to this debt. 
XXXX. Documentation that proves Ability Recovery Services ' right to collect this debt from me. 

# # # Violation of Privacy and Consent Additionally, I believe my personal information was sold and used without my consent, in violation of my rights under 15 U.S.C. 6802 and 15 U.S.C. 6803. I demand evidence of any consent or authorization given by me for the sharing or selling of my information. 

# # # Demand for Compensation Given the unauthorized sale and use of my information and the lack of proper validation of the debt, I am seeking compensation for these violations. As stipulated under federal law, I am entitled to {$1000.00} for each violation of my rights. Therefore, I demand : 1. Immediate cessation of all collection activities on this account until proper validation is provided.

2. Removal of this collection account from my credit report.

3. Payment of {$1000.00} for each violation of my rights under 15 U.S.C. 6802, 15 U.S.C. 6803, and 15 U.S.C. 1692g. 

# # # Conclusion Please treat this letter as a formal dispute and a request for debt validation as outlined by the Fair Debt Collection Practices Act. I expect a response within 30 days from the date of this letter. If I do not receive a satisfactory response, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, ** [ XXXX XXXX ] **
Product: Debt collection

The Company : 1. has refused to provide me with validation and assignment of debt documentation. 

2. has threatened legal action and threatened to ruin my credit 3. asserted that I was a liar and that they will feircely collect on a debt their client claims to be valid. 

4. has given no credence to the fact that this debt does not belong to me 5. is essentially using bullying tactics contrary to the law. 

6. blatant refusal to provide me with contractual proof of debt evidences there unlawful collection practices. 

7. company has called my phone despite clear instructions not to. 

8. is in violation of the FDCPA, FCCA It is to be noted that this bully tactic will not work with me, nor will I sit back and allow an unscrupulous company to infringe upon my rights. Law suit is imminent. 

cc. State Attorney Office, CFPB, FTC
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union, deliberately removed my name and address from my banking profile in early XXXX XXXX as retaliation for my XXXX XXXX XXXX filing. 

I continue to have access issues when using my debit card, online, at point of sale, and other usages. 

I contacted XXXX XXXX on three occasions to explain, that this was prohibited, unless I gave power of Attorney to my XXXX attorney, to have such authority. 

Having power of attorney to represent a client in bankruptcy, and receiving correspondence on their behalf, does not automatically, allow power of attorney, to control, or access to the clients, or accounts, or to prevent the customer from controlling, access to, and usage of, such accounts. 

I spoke with my attorney, XXXX XXXX XXXX, XXXX, and they advised me, on two phone calls, that they had no power of attorney over my account access, nor had they requested such power.

In addition, my attorney 's office, sent two correspondences, indicating their position, on the matter.
Product: Mortgage

sent in payment to nationstar mortgage of XXXX for XX/XX/XXXX and they said it was not recieved contacted XXXX money order XXXX money order number XXXX I informed nationstar of all this info and they do n't even what to bother to look into it, they wish for me to fax a copy of the money order so I will fax them a copy of check that was cashed on XX/XX/XXXX even though I gave them all this information, So I will pay my XX/XX/XXXX payment again so as not to ruin my credit, from what i got from them is they made a mistake m and I have to prove I sent a check to them because if not I will still owe!
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due toXXXX XXXX  XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card was paid off but no payments have been reflected on my credit report in over 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30 a llowable days.
Product: Debt collection

Portfolio recovery solutions has been calling and contacting me for years about a debt I am not even aware of having. Even if it was a debt I had, its is well past the XXXX. They call and refer to me with a last name that hasnt been mine since 2013 and an address that I lived at a decade ago. I want these calls and all forms of communication to end immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681Section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

This is a violation of the No Surprises Act.
Product: Checking or savings account

My paycheck has been pending since yesterday, I tried to contact the bank this morning at XXXX XXXX  and XXXX XXXX  in-was on hold for XXXX mins with no response. i was then told that by XXXX pm the funds might be available. still nothing... 

I wound like a-full investigation. I should and need access to my funds. Its now been XXXX  days. Since i havent received my check..
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX is listed twice on my report incorrectly. It was paid n full and is now on my credit report as payment plan and derogatory and late payments. None of it is true all incorrect information.
Product: Credit card or prepaid card

This is regarding dispute XXXX with Citi Bank. 
On XX/XX/2019 I book 4 night stay in XXXX XXXX XXXX, NJ in XX/XX/2019 via XXXX using my CitiCard credit card. Me and my kids spend 1 night in the motel. the next morning, the general manger asked us to leave the motel because I complained that the room was unsuitable for adults and young children to stay in due to poor sanitation conditions ( bed sheets were stained, room was dirty ), mold in the bathroom, no air circulation ( windows wont open ), no light ( lamp was broken and didnt work ) and safety hazard ( wood headboard collapsed on the bed, floor was dirty, wet and slippery from humidity ) .I asked for a refund and only then I was told that this transaction is non-refundable ( apparently it's on XXXX website but very not clear ) I called CitiCards on XX/XX/2019 and asked to dispute the charge since I didn't receive service. On XX/XX/2019 CitiCard asked me for documents proving the charge is refundable or any proof that shows the merchant 's policy was not disclosed to me at the time of the sale.On XX/XX/2019 I responded to CitiCard with all the documents to support my claim for dispute, I provided pictures form the motel, I wrote a clarification letter and I attached the motel general manager respond that says that she needed to contact the police to escorted me out of the property, I also attached the police report and my name doesn't appear there - meaning - the general manager admits that she asked me to leave the property but her claim ( that she needed to escorted me out with police ) isn't true - she charged me for 4 nights, asked me to leave after 1 night and wouldn't refund me - its a fraud! On XX/XX/2019 CitiCard sent me a request to provide documentation showing that the merchant agreed to credit my account and they notified me that this investigation consider complete and it is resolve in the merchant favor. On XX/XX/2019 I called CitiCard again and spoke to a supervise named XXXX that wasn't willing to listen to me or to help me. On XX/XX/2019 I called again and spoke to a representative that told me that this dispute was being processed as if I canceled the stay and due to the non-refundable policy - CitiCard didn't credit me. She re-open the dispute and I emailed 2 clarification emails since then. I still haven't hared anything back yet.
Product: Credit reporting or other personal consumer reports

am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XX/XX/XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

Lvnv Funding XXXX XXXXXX/XX/XXXX I have no knowledge of those accounts listed The address listed of occurrence is where the theft happened I never lived in XXXX XXXX I live in XX/XX/XXXX. I had to come all the way out here to wait at the location until an officer came to do the report.
Product: Mortgage

I closed my mortgage about a year or so ago, and only 3 months from today ( roughly XXXX ) ago did I get notified by New Rez that I had funds in my Escrow they distributed to the state of Colorado of the amount ~ {$2300.00}. I have been trying since then, with their mortgage servicing department, to get the funds transferred back to me. They have failed to mail the check or deposit the funds via ACH after the initiation of the xfer was started, finally, around XX/XX/XXXX on 3 separate occasions. We are now on the 4th time where they retracted the statement it was going to be auto-deposited to my account, back too the mailed check has been processed. They continuously state the wait time is 7-10 business days. It has been 3 months. If I did the same to them, I'd be hearing from debt collectors. 
Instead of any productivity and transparency from either the lender or CFPB, I get to rely on this form in hopes of what, CFPB sending a strongly worded letter? This system is entirely broken.
Product: Debt collection

I contacted Portfolio Recovery to settle a debt with XXXX XXXX and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Equifax Consumer name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX  XXXX opened on XXXXXXXX XXXX XXXXXXXX {$31000.00}, XXXX XXXX {$1500.00} XXXX XXXXXXXX OPENED XXXXXXXX  The accounts have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accountas reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX