23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On this date company opened a collection. 
XXXX XXXX Midland credit management Account # XXXX {$3800.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent on my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX
Product: Checking or savings account

Bank Of America California XXXX XXXXt Department XXXX XXXX XXXX Account XXXX I have {$1000.00} in funds in my B of A - XXXX account, which were frozen by B of A. 

I communicated with the XXXX and they stated via email ( Attached ) that B of A had frozen the funds, because of outstanding debt relating to a line of credit, mortgage, credit card, or because of fraud. 

I have have never had any type of account with B of A, and am not being investigated for unemployment or any other type of fraud. 

Since this is not a traditional checking account, the account info noted on the next page is the XXXX XXXX XXXX # associated with the account
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I called Credit control services Inc about being in collections. I observed this debt when I ran my most current credit report. I contacted the creditor and gave them my name, address, and DOB. The operator stated that the name was the same " XXXX XXXX '' but all the other identifiers were incorrect. Therefore, this account did not belong to me. Creditor verified it was not my debt. The collection is showing on my XXXX credit report but not showing on any other credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX {$190.00}.
Product: Payday loan, title loan, or personal loan

In all of 2021 I got marketing advertisement mails from one main financial local office where I live. I ignored it until I found out they made an unsolicitied inquiry on my XXXX credit report on : XX/XX/2021 & XX/XX/2021 one main financial po box XXXX XXXX, ID XXXX XXXX I contacted them to ask where they got my personal information and why did they run an inquiry on my XXXX report. They told me that the only way they run an inquiry on credit report is when someone applies for a loan. I told them that I did not apply for a loan. They transferred me to the fraud department. The fraud department mailed me an affidavit to fax them. This affidavit does not reference the specific online account opening and inquiry with my credit report. I do not wish to provide any of my personal information to one main financial because Identity Theft & Fraud has already occurred and they have failed to stop sending marketing mail to me at my home after I requested & reported numerous opt outs. I was informed that the only way they would show up on my credit report inquiry is if I filled out a loan application with them which I never did.
Product: Checking or savings account

On XX/XX/XXXX I was sent an account number from what I thought was a friend to deposit my insurance check into his account. I went to Wells Fargo to do the deposit, but when I arrived the teller informed me that I could not deposit my {$12000.00} 3rd party insurance check into his account ( I am not listed on this account ) without him being present. After the teller spoke to the Manager, she got approval and did the deposit anyway. 

Turns out, the person requesting the money is a scammer. I have been in touch with the bank since Thursday, XX/XX/XXXX, where they immediately froze his account due to suspicious activity. The manager is saying there is not much he can do about getting my money back and the more time passes, the more likely it is that the funds are mailed to the guy listed on the account. I have called several other Wells Fargo branches and each Manager states the deposit that the branch allowed is not in compliance with their guidelines, policies or procedures for that amount of money because the owner of the account was not present at the time of the deposit. After speaking with the manager, he agrees a mistake was made and the deposit should n't have been allowed. I have contacted the police, but they can not help. 

They funds in the account have a hold on them and the account has been frozen. I just want wells Fargo to reverse the deposit and void the check or mail it back to my insurance company or myself. The transaction should not have been allowed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

*THIS IS NOT A DUPLICATE* I am submitting more documents refelcting my monthly payment amounts that Equifax and XXXX is showing over {$40000.00} per month required payment which his an error. Please correct to agreed amount as per FCRA. 

I am NOT required to pay over {$40000.00} per month I am including PROOF of payments plus documents of my identity
Product: Checking or savings account

i have been trying to open a saving and checking account at ALLY BANK and they declined my application while my credit score is excellent they didnt not gave me any reason why they declined my application. they just send me only one email which says : Ally Bank has declined to open an account for you due to a verification issue related to the USA PATRIOT Act. 
that's it they didn't even told me what they were not able to verify while my every information on the application was correct.
Product: Debt collection

I was contacted by a debt collector XXXX for medical services. I moved out of state and did not receive bills for the medical treatment. I was unaware I owed this money. Now I 've been sent to collections for {$50.00}. Is there any way I can get this paid and removed from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are fraudulent on my account : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  IS FRAUDULENT ON MY CREDIT ACCOUNT # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Student loan

Navient paragraph I took {$26000.00} loan out in XXXX Look up. I was scheduled to pay after graduation XXXX. However I was not able to get a good paying job to afford the loan. I also ended up filing bankruptcy around that time and navient student loan went into forbearance until bankruptcy was over. In XXXX or XXXX I was able to get a XXXX XXXX a XXXX making {$16.00} per hour. However then I was XXXX  off within XXXX  months along with XXXX other employees. I was tired of the run around tired of XXXX XXXX XXXX and nothing stable or that paid well in order to survive. I decided go to XXXX XXXX  XXXX  to get XXXX degree. My Navient loan was still in forbearance. Then XXXX happened and student loans were halted for everyone. I started paying Navient in XXXX, even though it was still in forbearance. My navient loan went from {$26000.00} to {$39000.00}. I couldnt believe it. Every time I paid {$370.00} different amounts went to interest and to actual loan. For example on XX/XX/XXXX {$160.00} went to loan and {$200.00} went to interest. On XX/XX/XXXX {$150.00} went to loan {$210.00} went to interest. THEN on XX/XX/XXXX {$300.00} went towards INTEREST and ONLY {$69.00} went towards paying off my loan. Then interest amounts are ridiculous! I have screenshots of each month when I started paying the full payment due of {$370.00}
Product: Credit card or prepaid card

I do not understand why google is refunding 10 transactions in the amount of {$890.00} USD, and the representment from google to XXXX credit card bank for the Dispute Reversal Request from Pages 6 through 15 shows 84 Unauthenticated purchases and therefore Unauthorized be

cause google on their own allowed those transactions without the password challenge that was supposed to be entered for every transaction. According to the google representment, 29 of the 84 unauthenticated transactions showed disputed ( 25 transactions of {$99.00}, and 4 transactions of {$49.00} ). My credit card dispute following my observation of unauthorize transactions were 24 transactions in the total amount of {$2100.00}. So, I do not understand why I am getting a partial refund of {$890.00}, instead of the full amount of {$2100.00}. I did not see the representment from google before my dispute, it would have even been more than the {$2100.00} that I originally disputed. Please review your records and kindly refund me the balance. 

Please see below the tabulated dispute submitted to XXXX credit card bank. 


DATE AMOUNT QTY. TOTAL AMT. 
XX/XX/XXXX {$49.00} 1 {$49.00} XX/XX/XXXX {$99.00} 7 {$690.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 3 {$290.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 6 {$590.00} XX/XX/XXXX {$49.00} 3 {$140.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$49.00} 1 {$49.00} TOTAL TRANSACTION 24 {$2100.00}. 


Also refer to my email dated Friday, XX/XX/XXXX, XXXX XXXX  EST, Monday, XX/XX/XXXX, XXXX XXXX  EST, and Monday, XX/XX/XXXX, XXXX XXXX  EST to google team.

Please I do not agree with the partial refund of 10 transactions in the amount of {$890.00} USD.

Google still owes me a refund balance of 14 transaction in the amount of {$1200.00} Thank you. 


Yours Truly, XXXX XXXX
Product: Mortgage

XX/XX/XXXX Regions Bank Mortgage Loan Number XXXX XXXX XXXX XXXX Senior Executive Vice President Head of XXXX XXXX XXXXXXXX ( XXXX ) XXXX Regions Financial Corporation XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Tomorrow is XXXX and I am crying. 

I need your agency to dialogue with Regions Mortgage Department as I had agreed to a lengthened mortgage to resume at the same amount but extended in time to cover the pause in payment. It was the only way I could agree to forbearance. 

Forbearance on my mortgage started in XX/XX/XXXX with an interruption of XXXX payments of XXXX in XXXX XXXX. I resumed forebearance in XXXX of XXXX again with my written and verbal communication To Regions of repayment restart at same monthly amount and an extension of when mortgage payment would end. 

Forbearanace ended... 

A snail mail received XX/XX/XXXX stated I owed over {$7000.00} or could declare bankruptcy and go into foreclosure. 


In XXXX I applied over the phone for a forbearance pause to my mortgage with Regions bank. I was clear that the only way I could do this is if, at the end of the pause, I would resume my regular payments and the mortgage would be extended to reflect a longer time to pay with the same monthly amount and rate. 

I continued to believe this was okay when on the phone and by email I continually stated this, verbally and by email, during this period. 

I even interrupted the allotted time with XXXX payments in XXXX and XXXX XXXX XXXX of {$950.00} which was the monthly mortgage payment they agreed to. This acceptance of the monthly amount allowed me to think they understood my understanding and that they agreed to what I could do when the forbearance time was up. 

It was only at the end of the forbearance period XXXX days ago, near XXXX, I got a snail mail stating I owed over {$7000.00} with a caveat I could declare bankruptcy and go into foreclosure. 

I am a XXXX XXXX XXXX XXXX who has worked through many pandemics and currently I am high risk for COVID. I would never have agreed to this program ( clearly stated to Regions ) only to be met with a high payment and the option of bankruptcy and foreclosure/homelessness As a XXXX and prior frontline worker during COVID I am high risk and very clearly stated multiple times both verbally and by emails I could only start forbearance if at the end I could go back to the original monthly payments with an extended mortgage end date to cover deferred mortgage payments. 

I almost ended up in the local ER when I got the surprise snail mail from Regions stating the above. 

Happy XXXX and XXXX but not to me, a senior citizen, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft due to a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items removed.

Accounts to Block and Delete XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1200.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$800.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$340.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5700.00} Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX OF XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXXXXXX XXXXXXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Debt collection

Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt, and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist and that this account has been placed with Diversified Adjustment Service, Inc for collection. The account has been placed with Diversified Adjustment Service, however, it is being reported by XXXX XXXX XXXX on my credit reports.
Product: Debt collection

Repeated calls and no messages. I do not believe the calls are for me, but for the person who previously had my number. There has been no written communication from the identified company, a violation of the FDCPA.
Product: Checking or savings account

On XX/XX/XXXX I got a deposit from the irs for my tax refund. I went to the bank transferred money in my dads account wrote checks to my day care and car payment rent then around XXXX the restricted my account bounced the checks then deposited my pay roll check today. They still havent closed my I have asked them to close it and give me my money and they said it would be 10 days Then another 10 days they are hold almost XXXX XXXX dollars of my money and wont let me touch it I owe bills I have 2 kids I have to feed my car payment is due I just need the money released and they are holding it. Wont tell me why they closed it and told me there was nothing I could do.
Product: Student loan

My total loan from Naivent is {$140000.00}. I am currently paying {$1300.00} a month in student loan repayment. I am unable to afford this payment seeing as I work at a non profit and pay rent. My mother, who is my cosigner, recently lost her job and is not working right now. My monthly payment is over half my income. I have contacted Naivent on multiple occasions about lowering my monthly payment and they said there is nothing they can do about it. They suggested I consolidate my loans, but I do not have good credit. After graduating from college, I did a year of service called XXXX XXXX XXXX and could not pay my loans. Navient refused to put me in forbearance and therefore put late payments on my credit report. I asked them to remove the late payments so my credit could go up and they also refused. They have not been any help and are extremely rude. There is no way I can continue paying the {$1300.00} a month and I am not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX - XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company never tried to contact me in regards to this debt, Placed on my credit report without giving notice. Debt is more than 7 years old please remove now. Going against. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act This account was opened in XXXX and the last payment was in XX/XX/XXXX.
Product: Debt collection

I keep receiving calls from a debt collector, Peerless Credit, at my place of employment regarding a medical bill. I have repeatedly told them I can not receive personal calls at work, that my work number is for company business only, they continue to call my job and harrass me even though they have my personal cell number. I just received another call today XXXX/XXXX/2015 at XXXX XXXX from XXXX at Peerless Credit. I repeatedly told him do not call my work over and over again and I was filing a complaint..I repeated this until he finally hung up.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX NA Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I lived in this apartment complex 8 years ago. The complex went through several ownership changes during my time of living there. There was several issues with the billing and accounting from one owner to the other. I resolved all accounting with the last management and the agreement was made there was no monies outstanding. At the conclusion of my lease, I moved. After moving, this debt appeared on my credit report. I was not evicted, I was not asked to move for non-payment of rent and the dollar amount owed makes no sense in comparison to the rent amount I paid. 

I have contacted the property management, which has changed again 3 times since I moved and I get no resolution. I have been told the records no longer exist.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Bank account or service

I have a 35 year old CD ( Issue date XXXX XXXX, 1980, initial deposit amount of {$200.00} and 12 % a year ) and I need help accessing the funds. The CD is in my great grandfather and great grandmother 's name ( XXXX. XXXX or XXXX XXXX XXXX ) and the issuing bank has been acquired multiple times in the last 35 years. The initial bank was XXXX, according to the FDIC 's website, after a string of acquisitions, the current institution is HSBC Bank USA , National Association. Please contact me with the best possible action to take to get access to the funds. Thank you.
Product: Credit card

I have been having problems with Barclay Bank for more than three weeks with no resolution. Various reps tell me a different story every time I call. This issue involved a point redemption using their rewards program. In my opinion my problem may affect many other cardholders who may or may not be reporting these issues. I attempted to redeem XXXX points to my credit card statement many weeks ago. This would give me a credit of {$3200.00} against Travel related charges with XXXX XXXX. Due to some sort of technical issue on the Barclay website this did not go through. I called XXXX case # XXXX. Phone reps from Barclay have been deceptive in giving me incorrect information, making different statements to me every time I call.