23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of XXXX XXXX XXXX a month before my lease was up in 2019. I even went to court and advised the judge I would move out the time I promised. XXXX retained Fairs Collections & Outsourcing to collect my due balance for breaking my contract. Balanced owed by the courts is {$1800.00}. Fairs Collections is reporting an outrageous debt amount of {$6000.00}. For years, Ive told them I would pay the amount I owe not the made up number thats on my report. They refused to take the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

My home was modified and some of the debts that were accrued were capitalized. Through the XXXX XXXX XXXX XXXX XXXX company, I was granted XXXX dollars to go against any of these charges. During the process I do not see any place where the money was allocated and when recently trying to refinance my loan I was told that the original capitalized XXXX dollars still remained. The XXXX was not applied toward the debt. Because I met the requirements of staying current on my note, the mortgage lien placed by XXXX XXXX XXXX XXXX, was canceled in 2017. This can be confirmed with the XXXX XXXX XXXX. I have attached documents relating to the payment to this complaint. 

I submitted a prior complaint which was noted and the XXXX confirmed but no mention was made of this XXXX payment that was received and I would like the mortgage to be credited for such. The mortgage is now with XXXX XXXX, and the money should be forwarded there for crediting, unless there is proof of the money being applied somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know this account. I never opened this student loan. The company claimed it was from California. I have never lived there and did not take this loan out. I do not owe this debt. 
XXXX  is the only company showing I owe this debt and they would not help me either.
Product: Checking or savings account

On XXXX XXXX, I ordered a digital camera on XXXX for the price of {$760.00}. I was supposed to receive the package and sign for it. However, no one knocked on my door, the package was no where to be seen. My package was now lost. When contacting XXXX, they said they couldnt do anything about it. Therefore I contacted my bank and disputed. Months later, on XXXX XXXX, the credit of {$760.00} was reversed. XXXX has no proof that they delivered the package to the correct home, they have no signature and they are refusing to give me my money back as well as the bank.
Product: Credit reporting or other personal consumer reports

I just received my credit report and i noticed i account is not my i would like to removed XXXX XXXX XXXX XXXX, account number XXXX date open XX/XX/year>, amount XXXX
Product: Debt collection

I have had my chase freedom card since XX/XX/2022. I have been on time with my payments. I had a payment on XX/XX/XXXX which I had missed because I was going through a hardship. I went to schedule my payment of {$80.00} which is due on the XXXX of XXXX on Friday XX/XX/XXXX I got a phone call from an XXXX number from chase it asked me to enter my 16 digit account number. Which I didnt because I wasnt sure if it was legitimate. I tried calling chase and i was on hold for 20 minutes. This morning I got a call from a number XXXX. And it is from chase card services. I called XXXX and I spoke to agent who told me her ID number and said that my account is 9 days past due but I have already scheduled a payment of XX/XX/XXXX and the system doesnt have a way of stopping calls. I am aware that it is past due and I already have the payment scheduled for XX/XX/XXXX. I would like chase to cease and desist. I do not need stress when I am getting back in my feet financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY COMPANY sent XXXX a request in XX/XX/year> to remove or delete XXXX XXXXXXXX XXXX .The FURNISHER did not remove from credit report.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX  removed all of my funds from my Bank of America checking and savings accounts, and continue to do so, in addition to {$15000.00} from my checking and {$1500.00} from my Savings. I spoke in person and on the phone multiple times with Bank of America and they claim this is a garnishment, without any provided documentation proving that this is a valid garnishment. XXXX XXXX XXXX  said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my child support payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. Bank of America has not protected my funds and they also have not previously contacted me about these action nor have they shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. Bank of America has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with Bank of America a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in school and raising my daughter as a single mother.
Product: Student loan

After multiple emails back and forth trying to get clarifying information, I submitted a request for a refund for payments made on my student loans to Aidvantage on XX/XX/2022. Since then on multiple occasions I have asked for an update on my refund and been told it is still processing, despite having submitted this request over 7 weeks ago. I made XXXX payments during the student loan payment freeze, XXXX of which was a payoff payment and have not received a refund for either payment.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FORTIVA INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are not my inquiries these are not recognized or acclaimed by me. I request they be removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with Navient or authorized an agreement with Navient for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )
Product: Payday loan

I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call
Product: Mortgage

I have a Suntrust mortgage on a home in VA. I have never been late on a payment until XX/XX/XXXX. I have a lease purchase agreement that requires the lessee to make the payments at the branch. In fact over the past 3 or so years the lessee has paid down the principal portion of the mortgage approximately $ XXXX. On our about XX/XX/XXXX, a payment in the amount of {$6000.00} was made. Unfortunately there were insufficient funds and the check was returned. Suntrust attempted to redeposit the check 3 times and each time it was returned. On XX/XX/XXXX, I was notified that the check was returned for insufficient funds. Since this payment was due on XX/XX/XXXX and since I was notified after the 30 day window, Suntrust informed all credit bureaus that I was 30 days late. My Credit score dropped approximately 60 pts on all credit bureaus. I believe that Suntrust had the opportunity to inform me that that the check was returned before XX/XX/XXXX. I have discussed this with Suntrust and submitted a dispute and it was denied. I have clearly been treated unfairly by Suntrust and they have no intention of accepting any blame for the lack of notification. My complaint filing is delayed, because I never new this was an option until recently. 

Here is my response to Suntrust 's response ( XXXX ) to my complaint of XXXX Complaint # XXXX : Suntrust stated they called me twice and sent me a letter. I never received a call or VM. The Attached letter they sent is dated XX/XX/XXXX, the same day I was credited back the late fee of {$140.00}. Initially, the late charge is added on XX/XX/XXXX and then credited on XX/XX/XXXX after the payment is received by Suntrust Mortgage. I have no idea why there is a 2-3 day delay between the Suntrust branch receiving the payment and Suntrust mortgage crediting, but this has always been the case. The fact is on XX/XX/XXXX, the Mobile app online statement states that everything is in order. The Payment received and the late fee is credited. 

To prove this, the Attached online statement from the Mobil app portal clearly shows that the late charge of {$140.00} was charged on XX/XX/XXXX and then credited back on XX/XX/XXXX after the payment was credited to the account on XX/XX/XXXX. The only time I was contacted by Suntrust regarding the insufficient funds was via email on XX/XX/XXXX and on XX/XX/XXXX the online portal shows 3 returned item notations and a charge assessed of {$140.00}. I was not contacted until XX/XX/XXXX ( see attached email ). As soon as I was contacted, I rectified the situation as fast as I could. 

One additional note on the payment timing. If the payment was made at the branch on Saturday, XX/XX/XXXX it conceivably could have taken until the XX/XX/XXXX to get credited at Suntrust Mortgage. This delay is not fair to the consumer. 

Is your online portal not accurate? Should the consumer not trust the information that is displayed on the Mobile app portal? Should I be questioning all transactions listed on the Mobile app portal for accuracy? Why does it take 2-3 days for a Suntrust branch transaction to be credited to Suntrust Mortgage? Are you not the same company?
Product: Debt collection

I was never made aware of this debt until it was in collections. I feel this company and/or the company the debt was allegedly owed to are using unfair practices for collecting a debt. This has harmed me by affecting my credit score and I was unable to avoid the negative impact to my credit as I was never notified of owing any debt and then I had this appear on my credit report. If I owed a debt it would have been paid, but I couldn't have taken care of something I was not aware of. I did have a medical procedure a few years back but I took care of all of the bills related to that, so I do not understand why this account appears on my credit report. I believe I am being charged for someone else 's debt. Please do not contact me by phone, I would like communication in writing only for my records.
Product: Checking or savings account

Total of {$100.00} in over draft fees taken out when my account is not supposed to allow over drafts to occur.
Product: Debt collection

I was contacted by a Debt Collection Company on a debt against me and my company. I asked several times for them to send me proof of Debt, Itemized debt ... I was then submitted a letter saying if I refused to comply within 48 hrs I would be subject of an investigation of my personal bank accounts and property. After speaking with this very rude individual by phone and email. I stated that I would need any further documents by mail only. He continued to email me several times and call my work phone throughout the day. I informed him that I was familiar with FDCA and he would need to contact me by mail, with proof of debt. he continued the harassing by phone and email.
Product: Consumer Loan

Basically I have problem with a debt collector named First National Collection Bureau Inc ( FNCB ) ( scan enclosed ) for my alleged debt. My alleged debt charged off date, according to FNCB was on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX. The status of Limitation for XXXX and XXXX where I resided have long gone out. ( scans enclosed ). 

Also enclosed are several scans of my credit score and report obtained through XXXX, in which I have a very good credit report. I do n't know why FNCB sends me an alleged debt that has been removed from my credit report long time ago. Please tell them to stop sending me unlawful collection note.
Product: Vehicle loan or lease

My XXXX XXXX XXXX is currently being financed and I filed for a state title transfer ( CA to NY ) request in XX/XX/XXXX and was notified online that the entire process should take XXXX weeks. Hyundai Motor Finance received the paper title from California in XXXX and claims to have sent me the documentation requested which was never received to my address. After contacting customer service, I have been told every possible excuse as to why my title which they have been in possession of for 5 months has not been sent to the NY XXXX. I requested that a certified copy be sent to my home address, and I have been told that Hyundai Motor Finance is incapable of certifying a copy and must send the original title to the XXXX which was never sent. I was then told that misinformation and that they can certify a copy and will be sent out. After no movement, I again called and was advised that my request was denied because they only send out the original title but that has to be requested by the XXXX themselves. When I contacted my local XXXX, a XXXX representative called Hyundai Motor Finance and clarified that they do not request information like that, and that Hyundai Motor Finance is responsible for sending me, the client, a certified copy of my title to complete registration of my car. Most recently ( as of XX/XX/XXXX ) I was told that there has been no progress made on my request because only clients with paid off accounts can receive a certified copy of the title, and any situation otherwise ( still financing ) would need the original title be sent to the NY XXXX. I have been trying to get this resolved since XX/XX/XXXX ( multiple calls/week to Hyundai Motor Finance XXXX which is when this request should have been completed by. My registration for my car has been expired for over 2 months now, and I am unable to move or drive the car and must pay for private parking in order for the car not to be towed and impounded by NY state for being unregistered. I simply need a certified copy of the title ( which is legal ) for my car that is being financed sent to my home address so that I can have it be registered in the state of NY and drive-able.
Product: Credit reporting or other personal consumer reports

Given XXXX 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with XXXX. If XXXX is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If XXXX can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX is reporting incorrectly and a duplicate account. This continuous and ongoing violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status XXXX has not updated the file in over a year and states the account is closed, and Equifax shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.
Product: Student loan

My credit score is low, mainly due to my student loans. While I acknowledge that I attended three colleges and have a lot of student loan debt, I began looking closer into the loans I am paying on. Two of them are listed for a school I did not even attend. I have wondered for a long time why and how I ended up with such a high amount due. I am wondering why/how this could have happened? One of the loans is now for more than {$17000.00}! This one is dated to have been dispersed XX/XX/2005. The original amount was {$16000.00}. 

I have had other issues with my lenders too, such as different payment options being made available at different times and no mention of delinquent loans when I call in.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX i was scammed by an online scammer who posed as a young woman who is knowledgeable about trading and investing in crypto. she advised me to invest in this Fraudulent company named XXXX XXXX  XXXX. After I Invested a large sum of money both she and the company stopped all forms of communication with me and i was unable to withdraw my funds. 
I lost XXXX BTC which is XXXX USD
Product: Credit reporting

After identity theft occurred ( and a police report was filed ) we placed a " Fraud Alert '' with the XXXX credit reporting agencies, and ordered credit reports to see what information was in them. EXPERIAN THEN MAILED OUR CREDIT REPORT TO THE IDENTITY THIEF 'S ADDRESS INSTEAD OF OUR CORRECT ADDRESS! THE THIEVES NOW HAVE ALL OF OUR ACCOUNTS AND PERSONAL INFORMATION! WE JUST CALLED EXPERIAN, AND THEY ARE VERY SORRY, BUT CAN NOT DO ANYTHING ABOUT IT! THEY NEED TO BE PUNISHED! SORRY IS NOT ENOUGH!
Product: Credit reporting, credit repair services, or other personal consumer reports

i was told by refinance company that 3 credit burears reported that iam XXXX