23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

IT APPEARS THAT THIS ITEM XXXX HAS TURNED INTO A CHARGE OFFXXXX 
XXXX XXXX XXXX/ BUT I NOTICE YOU NEVER SENT ME A 1099C FOR CANCELLATION OF DEBT OF THIS ITEM, DUE TO MY FINANCIAL HARDSHIP.

If the file isnt removed you will be sued for {$1000.00} per item.15 USC 1681n ( Civil Liability )
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. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

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 a 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 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.
Product: Debt collection

I paid the debt off through the settlement of the company that currently has the debt.. Portfolio Recovery Associates. Portfolio Recovery Associates in fact sent me a letter stating the debt was paid in full on XXXX XXXX however, XXXX, XXXX and XXXX continue to share the erroneous debt and amount on my credit report. I have repeatedly disputed the debt and called numerous times and it still appears as a outstanding debt affecting my credit and score. I have spoken to XXXX XXXX XXXX XXXX, Portfolio Recovery and XXXX please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

I OPENED 2 SEPARATE CHECKING ACCOUNTS ( PERSONAL ) THE SAME DAY, BOTH WERE OPENED IN A VERY SHORT PERIOD OF TIME. I HAVE ALREADY CLOSED THE FIRST ONE IN LESS THAN A MONTH, THE BANK SCREWED UP. THE ONE I AM REPORTING NOW HIT A SNAG WHEN I COULD NOT DEPOSIT A CHECK. CALLED MANY TIMES FINALLY SPOKE WITH A GUY XXXX, WHO ACTUALLY SOUNDED LIKE HE KNEW WHAT HE WAS TALKING ABOUT, WELL VERSED TO SPEAK TO CUSTOMERS. THEN THE PROBLEMS, I COULD NOT DEPOSIT A CHECK. BACK AND FORTH, BACK AND FORTH WITH THESE CALL CENTERS, CONSTANTLY REPEATING MYSELF, BEING ESCALATED, ESCALATED, ESCALATED, TALKING TO BRICK WALLS, XXXX XXXX CALL CENTER EMPLOYEES. BACK TO XXXX AGAIN, WHO ILUDED THAT IT WAS MY DEVICE. XXXX, THIS DEVICE HAS BEEN AROUND FOR AT LEAST 2 YEARS OR MORE AND THESE BANKS, BEING INTERNATIONAL, ARE EQUIPPED TO WORK WITH MANY DIFFERENT DEVICES. I DO NOT BELIEVE THIS XXXX WITH SANTANDER BANK. 
THIS IS A BLATANT STALLING TACTIC.
Product: Student loan

In XX/XX/XXXX, I filed to recertify my student loan payment. My husband and I filed separate XXXX returns and I deliberately waited until they were processed before filing the recertification. I requested XXXX to review the tax information provided by the IRS transfer tool and switch me to the lowest payment plan ( this was confirmed by the agent ). However, when they re-certified it, they didn't switch the plan and they re-certified it at a higher payment. When I called to ask what they were doing, initially the agent told me it was because I had " access '' to my husband 's income! I know that's not true and I asked her when they decided that was a factor. Then she came back and said that unless I specifically told them to put me on the IBR ( which would have excluded my husband 's income ) their version of switching me to the lowest payment plan was to keep me on the same payment plan. Then she told me I needed to apply all over again but tell them specifically which plan I wanted or they would just leave me on the REPAYE. Since when do they just make up the rules about which plan they want me to have and ignore my requests or the law which says not to include my spouse 's income if we file separately? What if I literally had no knowledge of how this works and just accepted it? I'm sure there are many people that do not know how the payment plan options work and would have just accepted it. I plan to call back and request a supervisor who will hopefully be able to help me without me having to wait another month for a proper revision.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$7500.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Sequoia Financial has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Sequoia has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Sequoia Financial has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.
Product: Credit card

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract. 

I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.
Product: Checking or savings account

To the Consumer Financial Protection Bureau : I am writing to file a formal complaint against US Bank regarding the unfair and unprofessional closure of all my accounts without adequate notice, explanation, or access to my funds. 

I have been a personal banking customer with US Bank for some time, maintaining both checking and savings accounts in good standing. Recently, as I was establishing my own XXXX XXXX, I contacted US Bank about opening a client trust account. I was advised that I first needed to open a business checking account online, which I attempted to do. 

Recently, business account application was declined without explanation. When I called customer service, I was only told, " We're not moving forward with your application, '' with no further details. Believing I might have submitted documentation incorrectly, I attempted to apply again, which was also declined. 

The following day ( XX/XX/year> ) without any prior notification, my personal debit card was declined when I attempted to use it. Upon calling customer service, I was informed that ALL of my accounts with US Bank were being closed due to unspecified " anomalies '' and that my accounts were frozen effective immediately. 

This sudden action left me completely without access to my own funds. I was forced to walk to my local branch as I had no means to pay for transportation. At the branch, I was given another phone number to call regarding the possibility of withdrawing my money. After waiting on hold for approximately one hour, I was told I could not access any of my funds and would need to wait 2-3 weeks to receive a cashier 's check. 
This situation has caused significant hardship and distress : I was left without access to any of my money without warning I had scheduled payments that will now bounce, potentially damaging my credit I received no specific explanation for the account closures I was given no opportunity to address any concerns before my accounts were frozen I was denied immediate access to my own funds I was treated with suspicion despite being a professional attorney I believe US Bank 's actions constitute unfair banking practices. The lack of transparency, immediate freezing of funds without adequate notice, and poor customer service represent a failure to treat customers with basic respect and fairness.
Product: Checking or savings account

XX/XX/2024 I received texts about my new Chime account, including welcome emails. 
I immediately contacted them and they would not provide any information- but you have to use your phone number, SSN, email, phone number to open an account. 

They closed the account, but refused to give any details around the opening of the account. 

I later recieved a card in the mail. 

I never opened an account with them, yet they provide an easy service that doesn't hit credit bureaus that allows scammers to verify your social security number and personal details.
Product: Mortgage

I filed an application with Wells Fargo for a mortgage loan on a property, upon the application being sent to underwriter it was denied due to my credit. I understand sometimes theres confusion sometimes between policy and law but this here is clearly a federal violation in accordance to 15 USC 1611. Im giving full faith in credit in pursuance to 18 USC 8, Federal Reserve Act Sec 16 Application to Notes my application is what creates the line of credit being issued as the bank is just the borrower in accordance to 12 USC 1431, Credit Reporters are private companies who illegal obtain personal information and sell to legitimate business for there needs neither of these private companies credit reporters or bank have any authority over decision making on my money it is unlawful. Federal Reserve Act states with this application the bank will be accredited the amount applied for therefore how could I be denied if my application is what created the money by law. Even in the adverse action letter the amount is XXXX  how can I apply for an amount of XXXX doesnt make sense. Where is the funds issued by the process of my application this is all the mystery hoping I can seek remedy or civil suit will be filed in UNITED STATES DISTRICT COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on two separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the two other reporting agencies ( XXXX and XXXX ), they have the same account listed with a late payment, however none of those dates match. XXXX has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my credit score is impacted negatively.
Product: Checking or savings account

I applied for SBA  loan in XX/XX/2020 under my name as individual XXXX XXXX ( XXXX  XXXX ) also under my bank account so in XX/XX/2020 i received XXXX in XX/XX/2020 the bank blocked my account which is XXXX $ and oblige me to open a business account to release the fund so i responded now its been 35 days allegedly under reviewing i went branch several time they told my contact management so i contacted management they told me visit the branch!!!!!!!!!!! many times and nothing changed ... so in need to set my business and bank refuse to unblock the account which caused to me business loss and delay i couldn't buy a new XXXX  car to start work or pay insurance i couldn't set up my XXXX XXXX in addition of through the pandemic period i never claim or receive any kind of unemployment or benefit please help me to sue this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Medical Collection Account - Account # XXXX Account Name : First XXXX XXXX XXXX Dear Equifax XXXX Department XXXX I am writing to formally dispute the accuracy and validity of a medical collection account listed on my credit report under the name First XXXX XXXX XXXX XXXX account number XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief that a person other than the creditor is participating in the collection of or an attempt to collect a debt, when in fact that person is not participating. This provision was enacted to protect consumers from deceptive practices in the collection of debts. 
In my case, the account in question appears to involve deceptive practices as outlined in the statute. There is reason to believe that this account may have been furnished under misleading circumstances, potentially implying involvement from parties not actually associated with the original creditor.

Furthermore, there is case law supporting the protections under 15 U.S. Code 1692j, which underscores the illegality of such deceptive practices. I request that this account be thoroughly investigated for compliance with federal law. If any violations are found, I ask for its immediate removal from my credit report. 
Please provide me with written confirmation of your receipt of this dispute and the subsequent results of your investigation. Additionally, if you require any further information from me to facilitate this investigation, please let me know promptly. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not an error or misunderstandingI have repeatedly found accounts, transactions, and other items on my credit report that do not belong to me. It is extremely concerning and has been a major source of stress and XXXX. These inaccuracies are affecting my financial well-being and creating unnecessary obstacles in my life.
Product: Debt collection

This law firm is a debt collector who has been filing lawsuits and collecting on taxes during this pandemic. They are using tactics that are unethical. I paid my bill in XXXX and have the right to work out a payment plan with the water district for current year taxes. They filed a lawsuit on my mother 's property taxes for over {$9000.00} dollars. 

Greed and desperate for money against people who have lost jobs in a down economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both XXXX XXXX & experian on XX/XX/XXXX regarding a XXXX account thats in collections that was fraudulently opened up in XXXX per XXXX XXXX. I stated that I can possible be a victim of identity theft for the 2nd time. I made a report to XXXX XXXX Police dept regarding this account. I would like both credit agencies to delete this account of my credit report immediately. I also called XXXX & spoke to a rep and was told none of my information matched what they had. & was advise to call XXXX XXXX & experian which I did.
Product: Credit card

Chime ( " financial technology company, not a bank '' ) sent me a debit card via USPS that I did not apply for. I do not have an account with them -- that I opened. I contacted them ( by phone on XX/XX/22 ) to understand why this was sent to me. They proceeded to ask me a lot of questions but never answered my questions about how and when this happened and if there is any other cause for concern ( i.e. was my wife also separately affected? ).
Product: Debt collection

KLS FINANCIAL SERVICE XXXX XXXX  {$110.00} Ive tried several Times to dispute this information to have it removed from the credit bureau because its damaging my credit and the creditor refuses to do so, and now its been passed all medical debt under {$500.00} is supposed to be removed and they still will not
Product: Debt collection

This will be my XXXX time now filing this complaint with Amsher Collections XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX and for whatever reason this account has been back reported to my XXXX XXXX. I have XXXX complaints filed XXXX XX/XX/XXXX and XXXX XX/XX/XXXX which again this was removed so why or who is allowing these companies to keep causing grief and stress to us as consumers. Again per the last XXXX complaints this is account has caused me to not to be able to provide housing for me and my minor children. if this was removed why is this now back reporting to my bureaus. I need this removed asap per the last complaints so now the company again going to say this will be removed in 90 days when why was this placed back on my bureaus. I just got denied housing because of this and that's how I found out this was back on my bureau. Thanks In Advance with getting this matter taken care of and removed and for this to not be placed back on my bureaus.
Product: Debt collection

In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to Plaza Services, LLC. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted Plaza Services and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to Plaza Services via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by Plaza Services, LLC on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from XXXX claiming to represent Plaza Services, LLC to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to Plaza Services, LLC.
Product: Student loan

Navient has been charging interest on my XXXX XXXX loans for the last 3 years even though I have been certified part-time student status since XXXX. I have been either certified XXXX student or XXXX student from XXXX and then again as of XXXX. Both loans were charge XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Navient deceptive practices and blatant disregard for federal programs laws is disgusting. This is proof that Navient has used their position as my student loan servicer to break federal laws for their own financial gain at the expense of the consumer.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to  XX/XX/XXXX. XXXX then conference called XXXX at XXXX XXXX and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called XXXX XXXX back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client Pendrick Capital Partners. After receiving this information the last 3 times I called XXXX XXXX without any update on the status of the investigation I decided to call the original client Pendrick Capital Partners to check on the status of this investigation. I spoke with XXXX at Pendrick Capital Partners on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.