23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Past Story : We get a discount on our property taxes. Each year we go in for review. XX/XX/XXXX review showed we had to pay more, there was an adjustment for XX/XX/XXXX & XX/XX/XXXX. XXXX/XXXX # XXXX were sen adjustment bills. They were late in paying, interest & penalties were added, but they did make some payments. There was a balance due by XX/XX/XXXX or more interest & penalties would be added, as of XX/XX/XXXX that balance has not been paid. Our prop tax account reads in big red letters : DELINQUENT STATUS. I have contacted them by phone & email several times. They told me my taxes would be paid when due, I told them they are past due, they would not give me a date when they would be paid. For me not to worry I would not be responsible for any of those interest & penalties. So far the payments made include interest & penalties taken out of my escrow account. XXXX XXXX at XXXX Co Assessors Office has called them and sent paperwork trying to get payment. There are 2 attachments. I have not checked out credit report, this better not be on there as delinquent. 
I also want to add that they are late, many times, paying our homeowners insurance which is thru Foremost.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ) regarding inaccurate and unverifiable information on my credit report. Despite multiple disputes submitted to XXXX, these erroneous collection accounts remain on my report, and the bureau has failed to provide proper verification or remove the disputed items.

Legal Basis for Complaint : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, XXXX is required to conduct a reasonable investigation into disputed information within 30 days of receiving a dispute. The burden of proof is on the data furnisher to verify that the information is accurate. 

XXXX failed to properly investigate my dispute and instead responded with a generic response, stating that the disputed items have been " verified '' without providing any supporting documentation.

Failure to Provide Verification Documents ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon verification, XXXX is required to provide me with a written notice containing the method of verification used to confirm the disputed account. 

No such documentation has been provided, making it impossible for me to verify the legitimacy of these accounts. 
Reporting Inaccurate and Outdated Information ( 15 U.S.C. 1681c ( a ) ) Some of these collection accounts contain incorrect balances and statuses, yet XXXX refuses to correct them despite factual documentation submitted with my dispute. 

Reporting unverifiable and inaccurate negative information is a direct violation of the FCRA. 
Failure to Remove Unverified Debt ( 15 U.S.C. 1681s-2 ( b ) ) Credit bureaus must delete or correct disputed items if the furnisher fails to provide sufficient verification.

Since the collectors ( Consolidated Recovery Group, XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX, XXXX  ) have not provided legitimate documentation proving ownership or validation of these debts, XXXX must delete them from my credit file. 

Violation of Debt Validation Rights Under FDCPA ( 15 U.S.C. 1692g ( b ) ) Collection agencies are required to provide validation of the alleged debt if a consumer disputes it within 30 days of first contact. 

I requested validation directly from XXXX. XXXX  and XXXX XXXX XXXX, but they failed to provide any proof that I owe these debts. 

Since the accounts remain on my XXXX credit report without proper validation, they should be removed immediately per the FDCPA.
Product: Credit reporting or other personal consumer reports

I filed a complaint through this portal asking them the following : Equifax credit report pulled on XX/XX/XXXX XXXX XXXX  ACCOUNT : *shows closed and delinquent as of XXXX this is incorrect *shows delinquency first REPORTED is XX/XX/XXXX instead of DATE OF FIRST DELINQUENCY .other two credit reporting agencies have date of FIRST DELINQUENCY XXXX which is correct * Can not even see a removal date so removal date is past tense as evidenced by another page in the same report as COLLECTIONS= YOU CURRENTLY HAVE NO COLLECTIONS! 
EQUIFAX RESPONDED : they say they can not identify me by my full name, address, social security number. Right. 
So they send me a letter asking for all kinds of document copies to be sent through the us post office. I will be sending the identification documents both here and through the mail. I am a XXXX XXXX. Now do all XXXX XXXX have a printer? A photo copy machine, the ability to go to the post office to send a registered mail return receipt which costs more money? I think this is very unfortunate that they are asking for snail mail instead of a convenient upload on a computer. So I am uploading the documents and noting the inconvenience to XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, XXXX  Account XXXX : XXXX
Product: Bank account or service

Was charged XXXX, XXXX USD overdraft fees from Bank of America on a checking account. The accounts were properly funded with a transfer from another linked checking account but Bank of America staggered the posting of the transaction so that the XXXX debits that caused an overdraft posted after the transfer in order to incur a fee. This was verified by a customer service agent over the phone who attempted to waive the fee but could not because 'reordering transactions is bank policy, not bank error '. I have argued about overdraft fees in the past with Bank of America as I feel they use algorithmic systems to reorder transaction to incur the maximum number of overdraft fees. I had a similar set of instances like this occur in late 2015.
Product: Checking or savings account

On XX/XX/XXXX, there was an {$1000.00} unauthorized transaction made from my cashapp account. The money was taken out of my bank account, I did not make or authorize this transaction.
Product: Mortgage

I went into the COVID forbearance with my mortgage provider, Wells Fargo, as a precautionary step in case I was not able to pay during the pandemic. I stopped the forbearance after two months because it looked as if I would not need to proceed with the third month. 

When I cancelled it, there was no mention by the representative at WFH about the missed payments, and now my loan is considered in default. When I called today, after I received their letter, the rep stated I had only one option and that was to repay the back balance instead of it being tacked in to the end of the loan, extending the payments by two months as I had originally thought was the case. 

I did not know that I was in default. I have not heard from WFH until now and I can not afford to raise my payments, or go through a loan remodification or refinance because this has hurt my score.
Product: Debt collection

I submitted a letter to National Credit Systems on XX/XX/XXXX asking them to verify apartment debt and they mailed me back a settlement letter. They completely ignored my request to have the debt validated.
Product: Credit card

This is about my Credit Card issued by Discover Finance Services ( DFS ). By chance, I logged on to my account online and found a message that a company 's data breach had compromised my card. Although DFS contacts me by email or phone text for other concerns, I had not received any other notice of this problem which included cancelling my present card. There are two problems. 
First, they REFUSE to tell me what company 's data was breached causing this problem. They claim they can not reveal this information due to an ongoing investigation. 
Second, they list a company, " Order Channel, '' as an automatic charge on my card. I do not recognize this company and they can not identify the company either. They claim that I must have used this company at some time. An internet search does not locate a company with this name and it may be a fake company that has infiltrated DFS. 
The representative I chatted with about this today was not concerned about this unknown company. 
There has been a data breach and DFS is hiding it. 
They refuse to identify a company that they are possibly sending money.
Product: Bank account or service

I was an account holder at XXXX in XXXX for several years until the Bank became BB & T. Every month I have a direct deposit of about {$3500.00}. After paying several bills and spending a few dollars around XX/XX/XXXX I had a posted balance of {$1300.00}. Out of that amount I spend {$1000.00} leaving me approximately {$260.00} or something. With that balance I had XXXX items pending which added up to less than the amount. Although I had money in my account, I was charged a {$36.00} fee for something that overdraft but I was not in the negative. Also, a {$65.00} return item was submitted with this positive balance. So I called the bank to get an explanation and with much argument, the rep finally added up the amount that was spend and came up a total amount spent was {$1000.00}, which was less than {$1300.00}. When I asked why did I still have {$220.00} posted on my balance the rep informed me that that the amount was not a real amount and I did not have that amount in the bank. So I went into a branch on XXXX XXXX XXXX in XXXX and after speaking with the Branch Manager about this issue, since they had deducted all this fees out of my account there were other items that was pending and in order not assess fees I would need to deposit {$400.00}. Still not clear about why I have so many fees when I still have money in the bank. I gave the Branch Manager {$400.00} where he deposited {$410.00} at the teller window for me confirming that the next morning, after the few items post I should have a {$14.00} balance. The next day BB & T had charged me for the items that were in pending status that I deposited money for the day before. Not only was this an issue, these last three months I have noticed that they have been holding pending items for over 3 days or after the merchants have requested the money according to my investigation. Furthermore, I noticed that I bought some chicken from XXXX XXXX for {$5.00} and they had this amount both in pending and posted at the exact same time. My balance is never what it is supposed to be. On many occasions I have been locked out of my account for several days and unable to follow my transactions. I have had to call the bank to access my online account because it is continuously not available or blocked. Right now, BB & T has me owing their bank over {$300.00}, while I deposited {$410.00} to eliminate fees.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Checking or savings account

Case Number XXXX filed with the XXXX date : XX/XX/2023 Case Number with the XXXX : XXXX Case Number XXXX filed with the XXXX date : XXXX XXXX Case Number with the XXXX : XXXX Date : XXXX XXXX Wells Fargo has done XXXX investigations so far. Both times they have given me a temporary credit not once, but twice of {$500.00}. The bank continues to give me the run around, stating that I needed to file a police report with the local police about a situation they honestly shouldve been able to resolve on their end. Their lack of knowledge and not investigating the merchant along with asking me if the information was accurate. The bank decided upon themselves to not make sure that their information was accurate, and truthful. When this case was not investigated properly on their behalf, and now they want me to pick up where they failed to do their investigation. 
This merchant has given Wells Fargo fraudulent information, and this bank continues to give me, as the consumer the run around. When they have the manpower to have had this merchant properly investigated the first time. This is the purpose of the banks system. The current services Im receiving from XXXX are top tier, because they report to me daily on what is being done with my book. 
That is why I havent had any issues with this merchant, and the services that their freelancers are providing are great. XXXX XXXX XXXX  didnt offer that and did not report to me as they were supposed to. Wells Fargo and along with the merchant need to be held accountable for their lack of. The merchant shouldve been cooperative with the bank in refunding my money as they stated that they would. Wells Fargo shouldve made sure that those funds were being properly placed in their rightful place.
Product: Checking or savings account

XXXX XXXX  or their Representative ( XXXX XXXX XXXX ) is requesting information from my account via Subpoena, for no valid reason. I received a letter from my bank after the fact stating that were going to respond or had already responded. I called BOA today and requested that they provide me the information or documentation that they had provided to the other party however they refused. This complaint has to do with the previous complaint I filed on XX/XX/2024 COMPLAINT ID XXXX.
Product: Credit card

On XX/XX/XXXX I made a purchase with my XXXX Mastercard for {$2500.00} and another on XX/XX/XXXX for {$3200.00}. Both charges were shown as pending transactions on the day of purchase. On XX/XX/XXXX I cancelled the {$2500.00} order and the vendor issued a refund. 

As of XX/XX/XXXX, Synchrony Bank is showing all transactions posted and all still pending. They did not remove the pending authorizations even though the transactions fully processed and posted, including the refund of the original {$2500.00} charge that was also posted. 

As a result, Synchrony is showing available credit of - {$3100.00} due to hitting me with duplicate posted and pending transactions. Every other bank removes a pending authorization the moment a transaction is processed and posted. The account manager I spoke with on the phone, XXXX, said that this is an issue with the merchant and that they double charged me on the two days, and only one of each transaction posted with the remaining double still pending. However, another representative I subsequently spoke with said there aren't any double charges on the merchant 's end and that their authorization remains valid for a specific amount of time even though the transaction processed and posted. 

Synchrony is telling me to wait 5-6 days for the pending transactions to fall off my account even though the original authorizations already posted, making this MY PROBLEM. They are trying to blame the vendor, who has verified that they DID NOT double charge me. I am not being given a clear answer as to why I have to wait for pending transactions to fall off even when they were already processed and posted. All they can do is blame the vendor who didn't do anything. I was also told its something with the " online ordering process '', which makes no sense. I have never experienced this ordering from this specific vendor with my other credit cards or any other vendors/credit cards, only the Synchrony Bank XXXX Mastercard & Synchrony bank policies that harm the customer seem to be the issue.
Product: Credit reporting

Equifax is reporting my XXXX personal loan and my XXXX Credit card as charged off accounts. These XXXX accounts should be included in my Chapter XXXX bankruptcy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent a {$28.00} to a rescue on PayPals site. I chose friends and family option so the rescue doesnt incur extra fees. I entered {$28.00} and hit next and send. All of a sudden screen started moving really fast and was acting very glitchy. I got an message on messenger saying that I paid {$280.00} to this rescue. I right away called Pay Pal and was on hold 30 minutes than customer service person told me it was too late to stop the payment XXXX. It was already sent. I find it hard to believe that payment was sent within 30 minutes. I was told to have my bank dispute it. Pay Pal brushed me off and put the problem on my bank XXXX XXXX  XXXX. I filed a dispute with XXXX XXXXXXXX XXXX which after 90 days of following up, resubmitting again gave no results. The bank said we cant do anything about it.
Product: Debt collection

I have received an invoice from XXXX XXXX XXXX XXXX dated XXXX and XX/XX/XXXX for {$290.00} Which I have no knowledge of any account with XXXX XXXX XXXX ( see attached ) on XX/XX/XXXX, I have received an alert from XXXX that my SSN is associated with different name ( see attached ) I have called XXXX XXXX XXXX, with no resoluation A collection agency has been reporting this to my credit report affecting my credit score Collection agency name is : SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX, NY XXXX I have filed identity theft report with Federal trade commission XXXX FTC ( see attached ) I have disputed this with XXXX I have filed a Local police report on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit reports dating back to XXXX. Several accounts on my report were disputed more than XXXX time. As required by the CFPB and FCRA, upon conclusion of a dispute, each credit bureau must provide detailed steps taken to investigate disputes and advise if a reinvestigation took place. Neither of these steps were provided to me, nor was my report containing inaccurate information fixed. 

Experian, XXXX, and XXXX did not comply with Consumer Financial Protection Bureau ( CFPB ) regulations by : Failing to investigate disputes properly Failing to remove inaccurate information from credit reports Failing to notify consumers of reinvestigation results Reinserting previously deleted information Failing to convey disputes to furnishers fully and accurately Relying too much on furnishers to resolve disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that innovis provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical consumer contracts stored within their computer database via notarized and certified mail on XX/XX/XXXX. Every account I disputed was investigated by innovis and the results were " verified ' and updated, however innovis did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XXXX, XXXX original amount {$4700.00}, # 6 XXXX XXXX open date XXXX XXXX original amount {$790.00} According to the FCRA if innovis does NOT have a copy of the documents used to verify the accounts they are required to delete all unverified items.
Product: Credit reporting or other personal consumer reports

I have been battling with synchrony bank/sleep number about an account that is not valid. They will not remove the account.
Product: Mortgage

A check for XXXX and XXXX Mortgage payments was sent from XXXX to Colorado Housing and Financing XXXX in plenty of time to be credited to my account and to avoid any late fees, I have verified that it was sent, to and tried to contact XXXX to tell them it was paid, person who finally answered the phone explained the benefits of automatic withdrawal so my payments won't be late anymore, after trying again to explain that it was paid already and that taking the money from my account is not going to solve my problem I got frustrated and hung up. 

I need to start charging XXXX for my time trying to straighten out their constant issues with my mortgage and treating me without any kind of respect, all the fees you have charged me should really be refunded to my account as I still say that nothing that has gone on with my mortgage as been my fault, going back as far as XXXX forgetting to pay my insurance from my escrow and then charging me for a foreclosure for over 2 years while you tried to say it was my fault, and your other illegal activites, including double accounting, and your constant lies- which I have in writing since I usually cant talk to anyone about my issues maybe you could assign a person to my account, who's willing to answer their phone, and would be aware of what has gone on with my account, and would talk to me when I have issues, and I could work with them to avoid pulling my hair out every month. 

A mortgage loan is not supposed to be this difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts showing in my credit report was not sign or authorities by me and i gave Equifax 30 days to verify and update but no response was given
Product: Credit card

Discover is charging me 28.24 % on an older balance of {$290.00} and 23.49 % on {$1100.00} so overall interest charged on {$1400.00} is {$30.00} My minimum payment is {$46.00} each month. If I don't at least pay {$46.00} minimum plus the interest on the {$290.00} that {$290.00} keeps building interest at the rate of 28.24 %. I have to pay at minimum {$53.00} to keep that {$290.00} balance from increasing even more. If I can only make the minimum payment for the month the interest on the {$290.00} balance continues to increase that balance even further. This makes it almost impossible to pay off this card or even pay down the balance of this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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