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

Subject : Removal of Unverified Accounts from Credit Report Details : I am submitting this complaint to request the removal of unverified accounts from my credit report. I have made several attempts to resolve this matter directly with the credit reporting agency, to no avail. These unverified accounts remain on my report, causing financial harm and negatively impacting my creditworthiness. 

Below is a timeline of my attempts to resolve the issue : XX/XX/year> : Sent notice requesting verification of the accounts. 
XX/XX/year> : Followed up with another notice, reiterating my concerns. 
XX/XX/year> : Submitted an affidavit of facts, which has gone unanswered. 
XX/XX/year> : Sent a second affidavit, which also remains unrebutted. 
XX/XX/year> : Issued a final notice to the credit reporting agency, but no response has been provided. 
Under the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.21 - Consumer Opt-Out Notices, consumer reporting agencies are required to provide mechanisms to prevent the inclusion of inaccurate or unverified information and allow consumers to opt out of certain reporting when it can not be verified. Despite this, the credit reporting agency has failed to take the necessary steps to verify or remove the disputed accounts.

Step 3 : Highlight the Financial Harm and Legal Basis The unverified accounts are causing significant financial harm by : Impeding my access to fair credit.

Undermining my financial stability.

Creating undue stress and impairing my ability to make necessary financial decisions. 
Pursuant to Section ( a ) of the FCRA and 12 CFR 1022.130 - Reasonable Policies and Procedures for Ensuring Accuracy and Integrity, the following apply : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system.

Consumer reporting agencies must ensure that the information they report is accurate, impartial, and respectful of the consumers right to privacy.

The credit reporting agencys failure to rebut my affidavits or verify the disputed accounts constitutes a violation of the opt-out provisions under the FCRA and related regulations. Furthermore, under 12 CFR 1022.140, consumer reporting agencies must establish adequate methods for investigating and resolving disputed information, which they have not adhered to in this case.
Product: Student loan

I started working at a XXXX XX/XX/XXXX, and have been attempting to work toward Public Service Loan Forgiveness since then. After receiving incorrect advice for my first two years, I finally consolidated my loans through Federal Direct Loan Servicing, and started working toward making my 120 payments. In XX/XX/XXXX, I was trying to get ahead and actually make extra payments toward the principal. Users seem to be punished by trying to actually pay off debt through this program, as once I got ahead of my minimum monthly income-based repayment, they stopped counting my payments. The payments only register in their system if you pay the minimum and only the minimum. 

I have been submitting regular applications to PSLF each year to show that I am still working at a nonprofit. Even after doing this year after year, my statements only indicate that I have made 3 qualifying payments toward my largest loans. I have called numerous times asking them to correct this, and though they tell me they can, my statements still only reflect these XXXX payments. Most recently I called today, and was told that even though my most recent application was received XX/XX/XXXX, they still have n't gotten around to reviewing it and tracking my qualifying payments. 

Since the time I officially started with FedLoan Servicing, I have without fail made my monthly payments or more. By now I should have at least XXXX qualifying payments made toward my biggest consolidated loan. I 'm tired of calling and talking to various people ( who have different levels of knowledge ), and still not seeing any results. I have for a while felt like I have lost faith in this program, and wonder if I should be trying harder to simply pay back my loans. I fear getting to the end of a ten-year period and finding out that I will never qualify for loan forgiveness, and that in the end I will owe much more than if I were to have been paying it off little by little over that same period of time. 

I know CFPB is working very hard to try to make this system consistent and reliable, but I just do n't see the loan servicing industry coming through. Thank you for your hard work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XXXX/XXXX/XX/XX/XXXX to dispute and request a investigation into incorrect accounts on my credit reports. 
I received a copy of my credit report and found the following items to be in error. 

XXXX XXXX XXXX # XXXX $ XXXX This account does not belong to me. Please REMOVE XXXX XXXX XXXX $ XXXX This account does not belong to me. Please REMOVE Transunion never investigated my dispute and its been almost 2 months and I have not received any investigation results.
Product: Debt collection

This account was fraudulently open and I have sent them documentation over a year ago where a report was filed and the identity theft paperwork. XXXX XXXX Bank has illegally sold this account to a debt collection agency when the account was already closed and they even told me they couldnt keep this account open due to identity theft. They are the ones who contacted me about this account. I was living in XXXX when this account was created. Im not sure why they even kept this account open.. I have sent them everything they need that they requested to have this account removed. I do not owe them {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 checking my credit report I see Equifax Removed XXXX points from my score for opening an account XXXX only XXXX with more changes on my report I feel Equifax is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account
Product: Checking or savings account

The app for online banking was updated a few days ago, and since then Im not being abble to access because the app is requesting my SSN, something I dont have because Im not XXXX  XXXX.
Product: Debt collection

XXXX setup auto insurance policies back in XX/XX/XXXX for me twice and did them both wrong, so I cancelled them and had them refunded. They only refunded one, so I had to chase them for weeks to get the 2nd one. They told me to file a dispute with the credit card company, so I did, which was successful and I got my money back. Then XXXX claims they also refunded the transaction of {$860.00} on XX/XX/XXXX in addition to the dispute, so they sent me to collections for it. I proved to them by sending my credit card statements that I never received a refund from them, but they repeatedly tell me its been refunded and its my problem now. I even worked with my credit card company to see if there were any unposted funds anywhere but theres no record of it. Doesnt surprise me because XXXX incompetence along the way was the most egregious thing Ive seen in my life. Im now being harassed by debt collectors for a debt I dont owe. Ive never been sent to collections in my life and have squeaky clean credit. This is embarrassing and they dont care.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) &  FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 O.R.C.Taking assignment of debts Section C paragraph 3. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where HUNTER WARFIELD INC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. HUNTER WARFIELD INC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Mortgage

Account/Loan number XXXX Information about the company Indymac Mortgage Services i have filed a case already but since XX/XX/2016 there is still no response to the complain. 
they have given fraudulent paper regarding ownership of the mortgage. how can there be 2 owners? next the mortgage was in a ny trust and the trust laws where violated and broken! never filed correctly! these are also sec violation and also have irs violations. how can they even be selling my mortgage in a trust that has been paid out on by insurance? double dipping? insurance fraud! these are jusrt a few if the issues and they are trying to foreclose. 

next is the fact i received a satisfaction of mortgage from them? not they are not honoring that? i had received letter telling me this would happen but nothing happened till i told their 1st esq about it and showed them the fraud they were complicit in with the sec fraud and ny trust law fraud. 

next they want me to sign modification paper on # that make no sense! fees added for things again are fraudulent. all the reports have not been received by me but charged out to me. they used unlicensed people to do BPO reports. This is a $ 23-25,000.00 fine for each occurrence. i have 100 's of these. also still have not sent me all the report etc ... ..that they are charging me for! how can they want me to pay for this stuff and the accounting which is totally wrong. it is not my fault they take years to do this and cant get info together yet want to keep charging. 

federal fair trade commission says they have 30 days to get back to me? it is XXXX!!!!! not a letter from them about this etc ... except they now will not do a modification. again how can you do a modification if you cant get doc 's and charges together? there is no correct total then how can you even start a modification? again cart before the horse. 

there is just one thing after another here! they have put me out of business with lies and caused so much XXXX i ca n't even go into it. 

all the paper work was attached to the case still open.
Product: Debt collection

This is in regard of Complaint # XXXX. I had originally filed a complaint with you on XX/XX/XXXX about the practices of XXXX XXXX , XXXX. On XX/XX/XXXX they had started the garnishment of my wages, without my being informed of any such action. I went to court to ask for a Head of Household Exemption, but was denied. I also tried to express to the Judge about the fact that by Florida XXXXtatute77.041 ( 2 ), which states : The plaintiff must mail, by first class, a copy of the Writ of Garnishment, a copy of Motion for Writ of Garnishment, an, if the defendant is an individual, the " Notice to Defendant '' to the defendant 's last known address within 5 business days after the writ was issued, or 3 days after the writ is served on the garnishee, whichever is later. But, the Judge would not acknowledge this offense and violation by XXXX XXXX. I had sent you notification of this under the same complaint number on XX/XX/XXXX. On XX/XX/XXXX I received a notice from you, CFPB, that you had received an answer from XXXX XXXX about my complaint. I called the number given on the letter, only to be informed that I was to fax to you contact information for myself and my Spouse. I faxed this information of XX/XX/XXXX and have heard nothing further from you or XXXX XXXX , XXXX. Besides that, I am still pursuing a reparation from XXXX XXXX , LLC. for ruining my good reputation- and in fact even endangering my employment. 
Therefore, I am seeking your well appreciated services to bring this case to a satisfactory closing soon. 
Please be aware that the funds that have already been taken through the garnishment are still tied up and unavailable to me. 
Thank you kindly for your services.
Product: Checking or savings account

Despite paying $ XXXX in settlement regarding this issue a few years ago, USBank continues to improperly, if not illegally, re-sequence items ( i.e., checks, auto-drafts, debit card transactions, etc. ) from largest to smallest to maximize overdraft fees. 

On several occasions over the past few months, I have checked my account online at close of business to verify that I had funds available. However, by re-sequencing items overnight, the bank charges of {$36.00} per item resulted in items being returned instead of paid. The total damage just in the past several weeks has been hundreds of dollars. 

This damage is exacerbated by the recent, ongoing COVID-19 crisis and my complete loss of income for the foreseeable future.
Product: Debt collection

I have been contacted twice by 2 different Debt Collection agencies requesting I pay {$280.00} associated with a hot check written to " XXXX XXXX  '' ( now " Reel Time Capital LLC. '' ) account # XXXX. This check was written against a XXXX XXXX bank using my name. I have never banked with XXXX XXXX. This imposter allegedly also used my SSN according to the Debt Collection agency, which is XXXX XXXX XXXX XXXX. According to the Debt Collection agency, this imposter also used this email address " XXXX '' with their transaction -- which is not an email account I have ever owned in my name or used. Furthermore, this imposter worked at a construction company ( can't recall the name they provided ) which I have also never worked at. 

This is not my debt and I refuse to pay the debt of someone using my name and SSN.

My understanding is this transaction took place sometime in 2014. The first time I am hearing of this matter was by being contacted by the 2 collection agencies. 

I have responded to both companies ( via phone when contacted ) confirming this is not my transaction and that I would be reporting this as fraud. I have email correspondence from the most recent discussions with XXXX XXXX to document the above, as well as attached herein.
Product: Payday loan, title loan, or personal loan

One dates XX/XX/XXXX and XX/XX/XXXX I and my mother have received threatening phone calls from ACE CASH express. They are stating that they are going to press charges against me for fraud for none payment. 

They have harassed my mom as well. They are speaking to her as if they intent on holding me hostage : that they know where I live, they know my address, and that they know where I work. If this was all true ACE would know that I am unemployed. And living off food stamps.

However on their calls to me they are asking for my address to send documents to. That I have been warned. So if they don't have my address why are they contacting my mother, telling her they know everything about me? Ace Cash express has my information on file. I have not received one piece of mail from ACE and I have not moved. There is no need for the aggression in phone calls. If they have documentation they are more then welcome to send it.

During these phone calls its only aggression and threats - there's no point to a resolution - only continuous abrasive language and argumentative communication.
Product: Bank account or service

Banks are free to over-charge consumers with astronomical overdraft fees for transactions, particularly when a consumer makes an HONEST effort to make deposits the same day or XXXX3 days prior to cover insufficient funds. 
The FDIC Truth in Lending, Congress or the President of the United States should regulate the overdraft fee. 
America 's big XXXX banks made over {$5.00} billion last year from overdraft fees alone. 
The result is that JPMorgan took in {$1.00} XXXX from customer overdrafts. Bank of America and XXXX XXXX took in {$1.00} XXXX each. 
The CFPB ( Consumer Finance Protection Bureau should consider implementing additional rules on overdrafts. 
Fees on the " regular XXXX '' bank account made up about 4 % of operating revenues for America 's biggest banks last year, according to XXXX XXXX. 
Overdraft fees, which represent approximately 60 % of the fees charged by banks. Only 10 % of the population pays 75 % of the fees, and they tend to be the most economically vulnerable, including our troops, consumers who are between jobs and making effort to cover transactions, and consumers who travel on the road frequently. 
According to data collected by the Federal Deposit Insurance Corporation, overdraft fees collected by big banks are up 6 % from a year ago, the XXXX reports. 
" Over the years, overdraft programs have become a significant source of industry revenues, and a significant reason why many consumers incur negative balances, '' CFPB Director XXXX XXXX said in XXXX. " Too many problems with overdrafts can cause people to give up on the banking system or force them out of it altogether. '' Losing that much money to fees can make it difficult to pay necessary bills and make loan payments, which can end up damaging a person 's credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bayview Loan Servicing for the COVID 19 forebearnce plan under the CARES ACT. It is XXXX, and I am shocked to see my credit report, which they marked the LAST 6 PAYMENTS as late payments. It is my understanding that under the cares ACT, no payments are to be marked as late, that I should not have any negative credit reporting. XXXX  This is appaling. I can not do anything with my loans now that they did this. They must immediately correct all this late reporting.
Product: Credit reporting or other personal consumer reports

Went on Transunion and discovered that there are multiple Credit Cards opened on ; 1 ) XX/XX/XXXX ( XXXX ), 2 ) XX/XX/XXXX ( XXXX XXXX  ), 3 ) XX/XX/XXXX ( XXXX  XXXX ), 4 ) XX/XX/XXXX ( XXXX XXXX  ). I do not claim and reporting this as fradualent actiivity. The reported credit limit is ; 1 ) {$8000.00} XXXX, 2 ) {$3500.00} XXXX XXXX  ( XX/XX/XXXX ), 3 ) {$3000.00} XXXX XXXX, 4 ) {$3000.00} XXXX XXXX  ( XX/XX/XXXX ) and have reported and submitted a claim to TransUnion.
Product: Vehicle loan or lease

On XX/XX/XXXXmy XXXX XXXX XXXX broke down on the interstate. I had the vehicle towed to Nissan of XXXX located at XXXX XXXX XXXX., XXXX, GA. After performing a diagnostic test on the car Nissan contacted me to say a Mass Air Flow sensor caused the problem. I was also advised the tire rod on the vehicle was bent. Nissan repaired the sensor and the tire rod. They then contacted me to say my transmission is bad in the vehicle due to the wrong fluid being in it. I have never had my transmission serviced on the vehicle. The only maintenance performed outside of Nissan was an oil change. Nissan of XXXX had conflicting stories from their technicians. One tech said the fluid was yellow in color while another said it was black. This raised concerns. So after they sent whatever samples off to a lab it was determined it was not the proper fluid. Well my concern is who added the fluid to the vehicle and why was it yellow for one tech then black for another. Where did they get these samples they sent off for testing? Was it the black sample or the yellow sample? Nissan 's Security Plus Warranty Department refused to honor my warranty and will not repair my transmission. My car has never had transmission service, their techs had conflicting stories and why was the transmission issue not diagnosed initially. I believe someone added a bad fluid to the vehicle at Nissan because the issue did not come up until after they had the car diagnosis done a second time. I am still paying Nissan Finance {$500.00} a month on this vehicle until XX/XX/XXXX. The warranty I purchased costs {$2100.00}. Now that I need the warranty they will not honor it. Please assist.
Product: Credit reporting or other personal consumer reports

This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it states these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 SENT CERTIFIED LETTER REQUESTING VALIDATION OF THIS DEBT. I DO NOT OWE THIS DEBT. CERTIFIED LETTER SIGNED FOR BY XXXX XXXX XXXX BUT NO REPSONSE TO THIS LETTER HAS BEEN RESPONDED. 

AS OF XX/XX/2022 NO RESPONSE HAS BEEN RECIEVED AND FUTHER COMMUNICATION FROM THEM HAS BEEN UNSUCCESFUL. DEBT HAS NOT BEEN VALIDATED AND SHOULD BE REMOVED FROM MY CREDIT REPORT.