23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordanc e to FCRA Section 609, t hese accounts was further disputed in   XXXX   XXXX    . I advised AD  Astra with a validation letter to prove this debt is mine. In addition, AD ASTRA has failed  to send back the original documentation bearing my signature. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these  XXXX  accounts to  XXXX  credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now   XXXX   XXXX   and way past 60 days when these accounts were initially disputed.  Ad Astra Recovery Service has continued to attempt to collect debt that they know   is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than  one occas ion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue fro m day one. I fe el that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from  Ad Astra Recovery with filing legal suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified EquifaxXX/XX/XXXX, and sent another dispute in XX/XX/XXXXof a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( XXXX ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM XXXX. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!
Product: Checking or savings account

This bank is continuing illegal activities on my account. On XX/XX/XXXX, I paid my credit card in full ( card ending in XXXX ). On XX/XX/XXXX, Bank of America closed this account, without ANY notice, without merit ( this account was ALWAYS paid on time for over 7 years ), as per the credit card agreement. When I called to find out what was going on, the staff had no answer, and I was told there was a notice sent to me ; which there was not, a LIE. I have e-mail and electronic notices set up to this account and there was no notice. It was at that time, on XX/XX/XXXX I requested my savings account be closed ( account ending in XXXX, to which there was NO ATM card attached ) and the keep the change feature be removed from my checking account ( ending in XXXX ). I attempted to contact Bank of America on XX/XX/XXXX, to again request the reason for the illegal credit card closure and again, no answer, and again I was told there was a notice sent to me, another LIE. Also, on XX/XX/XXXX, a credit card statement was generated, saying that I had interest charges on an account that was PAID prior to the billing cycle, ILLEGAL, AND the statement was showing my account as OPEN! On XX/XX/XXXX, I attempted to use my ATM card ( that is linked to my open account ending in XXXX ) and learned it was shut off! I did not request this, nor did I authorize this, AGAIN! I had to AGAIN sit on the phone for over an hour, run to the closest ATM, as per the instructions of the Bank of America staff member, incur 2 ATM fees to try and get my ATM card turned back on! On XX/XX/XXXX, I received an e-mail stating my credit card was closed on XX/XX/XXXX, ANOTHER LIE, it was illegally closed on XX/XX/XXXX and that will not cover you for breach of contract! Today, XX/XX/XXXX, I see that after all over this ILLEGAL activity, the keep the change feature is STILL on! This bank should be shut down.
Product: Prepaid card

Subject : Urgent Complaint Regarding Denied Claims and Lack of Bank of America XXXX XXXX XXXX XXXX Following my previous complaints I received a email from which seems to be a bogus department called regulatory complaints department. You can never reach a real human and you never get a response. I dont know what to do besides to keep filling complaints and pray something gets done about this so I am writing this complaint to express my extreme frustration with the handling of my recent claims. Despite providing all necessary documentation, including police reports and identity theft records, my claims have been consistently denied without any valid explanation. The automated responses and lack of human communication have left me feeling helpless and unheard. 

I kindly request a thorough review of my case and a reconsideration of the denied claims. It is essential that I receive the resolution I deserve promptly. The constant repetition of the same denial message is unacceptable, and I urge you to take immediate action to rectify this situation. 

Please provide clear evidence and explanations for the denials, as well as a direct point of contact for further communication. I expect a timely response and a fair resolution. 

Thank you for your attention to this matter. 

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

I had a mortgage loan from XXXX XXXX. I always paid on time, in full, by auto-pay. 

The loan was subsequently sold to XXXX in late 2019. Without notice to me, XXXX, through its loan servicer XXXX XXXX, added charges. 

One charge was completely in error - it was for property insurance, which I already carried. ( When I inquired of the loan servicer, the representative acknowledged that I carried the insurance and that the charge was in error. ) The other was for " overage '' - an undefined additional ( and therefore illegal ) charge of $ XXXX/month. 

Again without notice to me, when my auto-payment was not sufficient to cover these added charges, XXXX made a derogatory credit report. This resulted in my credit report dropping precipitously with at least one agency ( Equifax ) and my being unable to refinance an unrelated loan, then actively in process. 

I have tried to resolve this with XXXX and XXXX XXXX, but other than acknowledging my correspondence, I have not yet had resolution. 

And critically, my credit score remains impaired. 

I paid the allegedly owing amounts ( under protest ) and believe my credit should be restored to its previously higher score. 

My letter and supporting documentation are attached hereto.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, attorneys for Select Portfolio Servicing ( SPS ) have threatened foreclosure of my house see attachments. The CFPB has been clear through amicus briefs, examination procedures and guidelines that when mortgage servicing rights are purchased subsequent to a loan being in default, the Fair Debt Collection Practices Act ( FDCPA ) applies and a non-judicial foreclosure is in clear violation of the FDCPA. A XXXX of my house remains on XXXX stating there was an auction and updates are awaiting. SPS nor their attorneys have been able to provide historical loan records from inception of the loan. Recently, their attorneys sent me a Notice of Rescission of Mortgage Acceleration which supports the fact that a non-judicial foreclosure should not and can not occur. Despite my request for SPS to stop calling me, they continue to call. Please review all attached documents.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Product: Student loan

On XXXX/XXXX/15 I reached out to a Navient Ombudsman, XXXX XXXX, asking for my loans variable index, margin, and rate cap. I received the attached response, in a secured document, ( the pw is XXXX ) Navient is intentionally not disclosing the margin or rate cap so that I can not make a fully informed decision on loan refinancing.
Product: Mortgage

A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.
Product: Debt collection

Subject : Complaint Against Credit Collection Services for Failure to Respond to Debt Validation Requests Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint against Credit Collection Services due to their failure to respond to my debt validation requests. 

On XX/XX/XXXX, I sent a debt validation request to Credit Collection Services using the address listed on my credit report. Sent by certified mail tracking number XXXX XXXX XXXX XXXX XXXX I have proof of delivery confirming that the letter was received on XX/XX/XXXX. However, I never received a response. I mail second request letter on XXXX XXXX Since the law requires a debt collector to provide validation upon request, I sent a third letter on XX/XX/XXXX, reiterating my request. Today, XX/XX/XXXX, I still have not received any response. Sent by certified mail tracking number XXXX XXXX XXXX XXXX XXXX Attached to this complaint, I have included : -A copy of my debt validation letter sent on XX/XX/XXXX -Proof of delivery showing that Credit Collection Services received my request on XX/XX/XXXX -A copy of my second letter sent on XX/XX/XXXX I appreciate your prompt attention to this matter and look forward to your response.
Product: Checking or savings account

I ask cashapp why my account was closed when I received my direct deposit and was a customer for years I was told they cant say and I even stated was it because of my race because there was no other reason
Product: Debt collection

XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of XXXX XXXX XXXX for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of XXXX XXXX XXXX. There was only one transaction that was ever owed to XXXX XXXX XXXXo and that was settled. No other loans or transactions made with XXXX XXXX XXXX have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appears on my credit report but it was opened fraudulently. transunion refusues to help me so I called the FTC and was told about this letter. I sent it to Transunion and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's data is incomplete. They claim I have only 3 paid on time accounts when all but one of my accounts is paid, whether open or closed, and never late. I have 1 account that was ever late and I did not know there was anything on the account. The amount was {$5.00} that the card company added after I paid it in full on their website. They showed it as {$200.00}. I had no way to know they had added a charge to the account because I had moved to take care of my elderly mother. They made no attempt to contact me beyond mailing notices to my old address. No email or phone call or text. I had even changed my driver 's license and address so they had notice I had moved. Experian should show about a dozen Paid/Never Late accounts but they don't. All of their aggregate data is incorrect giving creditors a completely false picture and reducing my credit score from well over XXXX to the mid XXXX 's over a {$5.00} late payment.. 

In addition, they stole my credit card number and tried to charge me for something I had refused to authorize and blocked me from accessing my account. It took two hours to get someone on the phone to fix it and the next day the same thing happened again.
Product: Mortgage

I missed a {$160.00} increase on my mortgage one month out of a stellar credit and payment histories. I was not aware of this increase, which represented an increase in my escrow account. My mortgage payment was {$2200.00}. We paid {$2100.00} for XX/XX/2020. Within the 30 day timeframe, Nationstar reported it to my credit ( without any notice to me- I would have gladly pay the increase ), and my hard- earned credit score dropped 83 points. I am struggling during the COVID crisis as my hours have been cut, but I have still paid over 90 % of my mortgage on time as I have for the 5+ years I have had it. And I get punished instantly for being short {$160.00} on an increased escrow without more than 30 days going by or additional documentation alerting me to the problem? This is wrong!! Seems there are many similar complaints against this particular corporate giant.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report, and I have no idea why. I check my report regularly, and this is the first time Ive seen such discrepancies. Refreshing the browser didnt help, so its clearly not a glitch. Im extremely frustrated and need the documents Ive sent to be fully reviewed so this issue is resolved immediately and I dont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I believe the account is invalid. SELF / LEAD needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. SELF / LEAD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.