23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to formally dispute a collection account listed on my credit reports. On XX/XX/year>, I sent a comprehensive debt validation letter directly to the collection agency, requesting verification of the debt in question. More than 30 days have passed since the submission of that request, and to date, I have not received any response or verification from the collection agency. 

According to the Fair Debt Collection Practices Act ( FDCPA ), if a debt is not verified within the stipulated 30-day period, the collection agency is required to remove the collection account from all credit reports and consumer reports in which it appears.

Therefore, I request that this collection account be immediately removed from my credit reports, including but not limited to records maintained by all credit bureaus and consumer reporting agencies. I appreciate your prompt attention to this matter and look forward to a favorable resolution as soon as possible. Attached is the letter sent. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX Your are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, ( XXXX ) XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 US.C 1691 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

Shellpoint filed a lawsuit on XX/XX/XXXX claiming I defaulted on my Loan on XX/XX/XXXX and all months after claiming I had not render monthly payments for all months subsequence I directly answered summons by providing checks accept and cashed by shell point in the amount of XXXX dollars for the months of XXXX, XX/XX/XXXX and letter from shell point where they returned checks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Shellpoint then claimed that I owed for insurance that they had placed on the building my XXXX unit located in and placed all types additional fees related to them placing shell point owe insurance allegedly onto the Building. I explained that I live in A condominium in XXXX and By Law the XXXX XXXX carries the hazardous insurance policy for the building. Shellpoint then stated well there is no insurance issue but Now I defaulted on Shell point deffered agreement where I agreed to pay XXXX dollars A month. I stated I never agreed to that, Please produce agreement where I signed to those terms. Shellpoint stated that I didn't have to sign any agreement the Federal Government mandated the agreement on to me. I do not believe what Shellpoint is stating the truth I believe I have to sign an agreement to change the terms and amount of monthly payments and be made aware of that by signing agreements my monthly payments would be changed to XXXX a month instead of XXXX. I asked Shellpoint to provide on what date other than date claimed XX/XX/XXXX that I failed to make payments and caused default once again they claim they don't have to show me I produced and showed whole year of XXXX payments also
Product: Mortgage

Mortgage Servicing Company refused to acknowledge timely receipt of loan modification application for HAMP review due to their failure to timely upload documents in their system.
Product: Vehicle loan or lease

American lender finance I sue me for XXXX XXXX XXXX XXXX they repossess from took its to a towing yards I could get its back from the company. they sold the cars in left me with a remain balance they did a taxe write off report mo my credit as profit loss write -off I didn't receive a 1099-C form so I can writer-off as income. American lender finance said oh we didn't filed a taxes writer off. oh but my credit saying you did I'm a bout to sue u for under the fcra you can seek statutory damages if creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debit The Fair Credit Reporting Act ( FCRA ) does allow for statutory damages in certain cases of inaccurate credit reporting. However, it's important to understand the specific circumstances under which these damages can be sought. 

If a creditor reports inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt, you may be able to seek statutory damages under the FCRA. However, you would need to demonstrate that the creditor 's actions were willful or reckless, and that you suffered actual damages as a result of the inaccurate information.

The amount of statutory damages can vary depending on the specific circumstances of the case. However, they are typically capped at {$1000.00} per violation. 

If you believe that you have been the victim of inaccurate credit reporting, you should consult with an attorney to discuss your legal options.
Product: Credit reporting or other personal consumer reports

I RECENTLY REQUESTED THE ITEM /ITEMS LISTED TO BE DISPUTED AS A FORM OF VIOLATING MY CONSUMER RIGHTS 15 USC-1681 & 15 U.S.C 1681 SECTION 602 a. I REQUESTED THE APPLICATION AS PROOF OF OWNERSHIP. PLEASE SEND ME THE INFORMATION THAT WAS USED INCLUDING THE INTERVIEW YOU MAY HAVE HAD WITH THE COMANY .PLEASE PROVID ME WITH THE VERFIED INFORMATION OF OWNERSHIP AND AGREEMENT BETWEEN MYSELF AND THE CREDITOR OR REMOVE THE NEGATIVE REPORTING AS IT VIOLATES MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXJEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/year>, BSI took over my mortgage from XXXX. 
My original escrow payment was {$700.00}, but as soon as BSI took over my escrow payment increased to {$1300.00}. 

I called, and emailed. I was told there was an issue during the onboarding process. I called back 5 days later, then I was told an escrow analysis needed to be completed and told to call back in 5 days. I called again and told there was an issue and it needed to go to the research department, and that my previous request was not supposed to go to the onboarding department. I called back 5 days later ( this was about XX/XX/XXXX ), and was told there was a problem with the insurance. I submitted the homeowners insurance information, but my escrow payment is still reflecting the higher amount.
Product: Student loan

On Monday, XX/XX/ at XXXX PDT I was calling my lender, Mohela XXXX to see if I can request for a refund credit for making payments during COVID-19. Since the financial aid website stated this may be possible, I wanted to contact my lenders customer service representative on this request. However, I have been on hold for over 4 hours with no one acknowledging my call. Since there is a time difference, the loan company was closed, and I was not able to request for it. This was Monday was the deadline to request for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into XXXX to get my free credit report and was denied my Equifax credit report.
Product: Credit card

I have a Bank of America XXXX XXXX XXXX XXXX. I was given an offer for a 0 % balance transfer so I used it to transfer {$2300.00} towards my XXXX. My minimum payment on my Bank of America card was {$25.00} and set to autopay probably for a year now. On XX/XX/year> the {$25.00} autopay was taken out of my account, but then on XX/XX/year> {$2300.00} was taken out of my checking account to pay for the transfer without my permission. I wasn't given a notice. I didn't change anything in my payment settings. When I double-checked to make sure my auto payment was the same and to see if I missed anything, nothing had changed. On screenshots of my payments, the {$2300.00} didn't appear on the list of payments, except for on the pdf bill statement. When I asked in customer service chat what happened she said, " ... After reviewing the account, I see you have 2 payments set up. I can delete the XXXX XXXX payment for you so that you can make and manage payments through XXXX XXXX only. Would you like me to complete that request? '' I said yes. I also asked why doesn't that payment appear in my list of payments? I don't see that I had a direct debit payment set up. I never changed anything. The customer service rep said, " That is an older method of payment that is managed by a bank associate. You will only see the debit. There is no way to view or manage the payments online. '' I never did this. I never permitted for them to do this. This sounds unethical that they can just make this decision. Fortunately, I was able to pay it. But I would like them to be held accountable in case they try to do this to someone else who can't pay. What is the point of a transfer offer if they are going to take it right out anyway and without permission?
Product: Checking or savings account

My account as of today is currently negative {$430.00}. Before it reached this amount I called the bank and asked if they would reject any incoming payments since the account was negative. The rep said they mostly do besides ACH payments- they typically go through. 

I told her I didn't select the overdraft protection because I wanted to avoid digging myself deeper in a hole when I have limited funds. This will only hurt me when I get paid again when I'm trying to survive! 

It doesn't hurt the bank to deny these payments, it just leaves it up to the customer to figure this out on their own. Why have the option to allow us to opt in and out but you ultimately are making the decision for us?! 

XX/XX/2022 is when the account went negative : Pending XXXX XXXX XXXX XXXX CA. Misc. debit - {$2.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$25.00} - {$420.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX  : XXXX Fee - {$34.00} - {$400.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$27.00} ITEM - DETAILS : XXXX XXXX  XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$360.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$130.00} ITEM - XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$330.00} XX/XX/2022 XXXX XXXX XXXX XXXX ID : XXXX ACH debit - {$12.00} - {$300.00} XX/XX/2022 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$27.00} - {$280.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$130.00} - {$260.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$110.00} ITEM - XXXX : XXXX XXXX XXXX PAYMENT XXXX WEB ID : XXXX Fee - {$34.00} - {$120.00} XX/XX/2022 XXXX XXXX ONLINE PAYMENT XXXX WEB ID : XXXX ACH debit - {$110.00} - {$86.00} I recently had the same thing happen with my other bank XXXX XXXX XXXX XXXX XXXX. Literally the same freaking thing. The difference between the two banks is XXXX recognized that I didn't have over draft protection and refunded the fees they charged me. I can provide proof of this as well.
Product: Money transfer, virtual currency, or money service

Won't allow me to connect my bank to XXXX
Product: Debt collection

On XXXX a fraudulent transaction was executed on my Macys account. I received an email alert and immediately called Macys to stop the transaction and freeze my account. This did not occur. Repeated calls and paper work to Macys to address did not stop harassing calls, mail and being reported to the credit bureua.

The fraud department promised they would put the account on hold in XX/XX/2016. They did not, it is still not on hold. This is despite having to file a PAPER FORM THAT CAN ONLY BE OBTAINED AFTER THEY MAILED IT TO YOU!

I have spend more than 7 hours in one week alone holding for a fraud department that is NEVER available. More than 2 hours 47 minutes alone before being CUT-OFF!!!!

Macys account# can be provided at your request.

This is a systematic abuse of clients, to not provide clients the ability to get fraud rectified (fraud made possible by Macys lax purchase verification - no validation of a XXXX against personal ID - really??), and to keep account balances as valid debt when clearly it is a case of fraud. THIS MUST BE CASE OF CORPORATE FINANCIAL FRAUD. Reporting fraudulant debt falsely under FICA???

In addition Macys credit cards run by Citi bank, was then used to change my credit rating by Citibank.

- I am unable to reach Macys Fraud department
- The promises made by Macys fraud department was not implemented.
- Macy reporting my account as overdue while knowing it is under fraud investigation. This impacted my credit rating negatively
- Macys billing department can see the notes from the fraud department but is unable and unwilling to place the account on hold.
- I am unable to get hold of the fraud department.
- This cycle continues to deteriorate my credit rating

PLEASE HELP!!
Product: Debt collection

I had financial hardship, and contacted XXXX XXXX XXXX last XXXX, 2019. They said they have reached out to all my creditors to make arrangements to pay each one. 
Citibank has refused to work with XXXX XXXX XXXX. Recently, I have been receiving letter after letter, from local lawyers, that claim I have a summons to appear in court. I have checked, but there is no court case recorded. I have not received any summons, but several of these lawyers have a fake copy of a summons with my name, address, and credit card company. The lawyer letters have said this lawsuit could lead to a lien on my property, take over of my bank account, garnishment of my wages, etc. I in good faith have tried to reach out to my creditors. They have caused me additional stress to add to the difficulties I am now facing in my life. Citibank, and their XXXX XXXX XXXX, have publicly shamed me, and inundated me with countless lawyers contacting me daily. 

Citibank NA turned my Best Buy debt over my to XXXX XXXX XXXX for {$1600.00}, which I half of what I owed, with late fees, and interest charges doubling the requested amt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Equifax, 0n XX/XX/XXXX, that my identity was stolen about 4 years ago and that the thief opened opened numerous credit cards in my name and sought medical attention at a hospital that was currently reported on my credit file. The medical company reported on my credit is named XXXX XXXX XXXX. Equifax refused to thoroughly investigate. I did not open these accounts, I did not authorize these accounts, and I do not have no knowledge of these accounts. This has also been reported to FTC Identity Theft. I explained to Equifax that the accounts do not belong to me and I submitted a dispute. Equifax did not provide a thorough investigation into the reported fraudulent activity, but instead, returned a " completed '' investigation in 2 days, stating that the information was verified. Not sure how Equifax report that my information was verified when the addresses used and reported on my credit report are incorrect and the name is misspelled and incorrect. Equifax could not have received proper and correct information on from any of those accounts I reported to them. My credit file was also used in a breach of Equifax 's negligence to protect my identity. Equifax also did not report to the other agencies that my identity had been stolen. The name that the thief used to open the accounts are incorrect and misspelled. They used names as XXXX XXXX, XXXX, and others, which is not my name. My name is XXXX XXXX. They also used addresses in Arizona where I have never lived. I was born and live in XXXX XXXX. The credits opened are XXXX XXXX with a balance of {$6700.00}, XXXX XXXX   XXXX XXXX with a balance of {$3100.00}, XXXX/XXXX XXXX that had a balance of {$2400.00} ; XXXX XXXX XXXX that had a credit limit of {$250.00} ; and a XXXX XXXX that had a credit limit of {$600.00}. All of these were opened between XX/XX/XXXX and XX/XX/XXXX when I was a XXXX XXXX. Also, there are hard inquiries listed from XXXX XXXX, XXXX, and XXXX XXXX  which I did not authorize and have no knowledge of. I would like for Equifax to remove the accounts from credit file, as they do not belong to me and I did not open these accounts. My identity was stolen.
Product: Student loan

I have been unable to reach Nelnet via phone to resolve this issue as their call wait exceeded 2 hours on my last attempt, and their online systems have had periodic outages. I have already raised a complaint with FSA, but the incorrect information presented to me by Nelnet has me terrified that I'll be paying a standard repayment amount via what looks like a bug in the automatic withdrawal system, and I'm taking every action to protect myself and my bank account. Despite being presented documentation that I should be paying {$0.00} on SAVE starting in XXXX, I continue to see a withdrawal scheduled for XXXX for over {$1500.00}. 

I am concerned that if I cancel automatic withdrawals, I will be unfairly penalized with a loss of the .25 % IR XXXX ( ACH ) benefit on my applicable loans. 

Additionally, the application process for SAVE was not a smooth process. Though this is an unprecedented period of payment restarts, that does not excuse the absolutely wild changes I noticed on my account at the end of XXXX : including being dropped from my IBR and placed into Standard Repayment with no explanations and watching the amount due on my account fluctuate wildly. Nor did they communicate with follow ups about my SAVE application status, despite the language presented on completion of my SAVE application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX  and I only request to remove the inaccuracies
Product: Credit card

I got credit card on XXXX XXXX XXXX and been told by their rep that I can use this card anywhere in a world for purchases without any fee. How surprised I was when I so on my statement Foreign Transaction fee for purchase I made from my home in NJ in US dollars. When I called to credit card services and tried to resolve this situation and remove this fee, cause I was mislead by XXXX rep, I was told I have to speak with them. Which I did. I even asked to speak with supervisor. But it did n't solve the issue. Credit card point on XXXX and I feel like this hidden fee is reap off.
Product: Payday loan, title loan, or personal loan

GoodLeap is a solar loan company ( not sure if they do other loans ). They are requiring thousands of customers in 12 states that I know of including Virginia to pay loans on solar panel system that isn't working. My loan is $ XXXX. They were very deceitful thru the loan process along with the now defunct solar company. It is outrageous that our Federal government is pushing solar power, and that it is a total racket. We and thousands of other customers ( XXXX page XXXX XXXX XXXX in conjunction with Goodleap ) prayed on thousands of customers with no working solar panels, a large loan, and no one that is helping, a complete runaround from every angle. I certainly hope your Federal agency can assist. 
XXXX XXXX turned XXXX XXXX and backed by GoodLeap Please don't let anyone else buy solar panels and push sustainability with people like this scamming thousands of customers and literally walking away from the business.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX  XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX
Product: Debt collection

I filed bankruptcy and included REAL TIME RESOLUTIONS with that and they keep reporting on XXXX XXXX AND XXXX I've given them ample proof and time and they keep reporting causing my score to go down every time. I've had it with all XXXX of these bureaus. Not to mention they have XXXX  of my mom 's credit cards on my credit and refuse to take them off. Please help me get them to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT DON'T BELONG TO ME. AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Checking or savings account

Opened a new Citi bank checking account. Everything seemed to be ok. Received a welcome letter and got online access. 
Transferred funds from another US located credit union. 
Two days after opening an account, it got locked by the fraud department. 
The bank refuses to resolve over the phone. Citi bank sends a paper mail asking for some information, not telling what is in the letter. 
It is a holiday season, and I am out of town. As the result I am locked out of my funds for the next two weeks of the holiday season. 

Nothing was done on my side to trigger the lock. 

Citi bank refuses to provide any compensation for such inconvenience.
Product: Student loan

I noticed a new account on my credit report detailing a fraudulent loan taken out in my name from EDFINANCIAL. I contacted the company on XX/XX/year> to make them aware and get the account cancelled. They said they would email and mail me paperwork to cancel the loan and advised me to file a police report, which I did. After hearing nothing for over a month i called again on XX/XX/year> with the same complaint and made them aware that the information had not reached me. To date ( XXXX XXXX XXXX ) i have not heard back from them.