23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

numerous phone calls at all different hours with a recorded message that they are calling about a debt a have and to please call asap or action will be taken Company is called Pro Placement Services -XXXX I called them from a different # and talked to a girl- asking what they do & why the phone calls etc she refused to tell me anything unless I gave her my name etc. I hung up!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from XXXX XXXX XXXX XXXX  was paid in full in XXXX. Please remove it from my credit account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and notices some unauthorized accounts on my credit report. Under 15usc 1681 a.3, you assumed this role without my permission. not only did you not have my consent, you did not respect my right to privacy, which is 15usc 1681 a. 4. You did not exercise your grave responsibility, your were unfair and impartial. 

XXXX has yet to verify or sent verification of a debt that was disputed. with There company. 
I sent validation letters to the credit bureau asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. 
They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 

They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I'm sure they have record of the disputes on file. 


THE ACCOUNTS ON FILE FOR EXPERIAN : XXXX XXXX XXXX XXXX FOR {$2300.00} FOR XXXX IT IS XXXX XXXX XXXX FOR {$2300.00} ALSO FOR XXXX : YOUR ONLINE SERVICE ISNT WORKING FOR MY ACCOUNT AND THIS IS PREVENTED ME TO MONITORING, USING AND ACCESSING MY CREDIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of. 

I have never done business with your company at all.
Product: Credit card

I was charged a late fee because Bank of America does not offer an option to set up automatic payments for the statement balance or current balance. The only available option is for a fixed amount, which doesnt work in my case since my credit card balance varies. Setting a fixed amount could result in either underpayment, which incurs interest, or overpayment. 

I kindly request that Bank of America implements an option to set up automatic payments for either the statement balance or the current balance. This feature would ensure that customers like me are not charged unnecessary late fees or interest and can manage payments more efficiently.
Product: Checking or savings account

I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a XXXX XXXX XXXXr with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from Bank of America, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His XXXX, and XXXX XXXX XXXX Bank of America information ( routing and account no. ) I filed wired fraud investigation with my bank XXXX and filed a police report. I have all documentation needed.
Product: Credit card or prepaid card

I noticed that there was a credit card ending in XXXX that was opened in my name with the wrong address on my credit report. I then reached out to the credit card company in question to rectify the situation. I sent them a identitytheft.gov affidavit and they promised they would look into it. They closed the account, removed the inquiry, but yet this fraudulent account still remains on my credit report bringing my score down.
Product: Credit reporting or other personal consumer reports

XXXX  keep founding ways to delay the correction on my credit report. I need CFPB to file a lawsuit against this credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Product: Checking or savings account

The sent a letter stating they would be closing all of our account on or before XX/XX/year> and this letter was XX/XX/year>. 

I do not know why they are doing this but I need a definite answer because i have to change all of my pay and direct for my employer and my retirement accounts. 

I need to know if this has anything to do with an investigation or a past issue with my mortgage.
Product: Debt collection

Absolute Solution has harassed me by calling my employment and home on a complaint between myself and XXXX XXXX on a lease of 2008. The vehicle was towed around or on the end of the lease to the dealer located on XXXX XXXX in XXXX, the building is no longer there. The towing or any repairs to the vehicle was had insurance coverage ( 6 ) six months after the towing.

Dispatch cleared the car for return and I owned nothing on the lease and never missed a paymen
t or was late. However, a few months ( after the 6-month coverage ) I received a call regarding damages to the bumper. I protested this claim as the leasing company should have a made claim prior to my cancellation of the XXXX XXXX. I never heard back from XXXX. 

This debt is over XXXX XXXX XXXX and without supporting document ( which Absolute has not presented ) I contest that I owe NO MONIES. XXXX is the only credit reporting agency that will not clear this debt from my report. I am sure there is a period of time in which the debt should be deleted and XXXX has far exceeded that time limit.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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

I have requested that incorrect addresses be removed from my credit report because it has made my profile susceptible to identity theft and fraud, however, the reporting bureaus continue to refuse to remove addresses for which I have no access to that are not my current address. Due to the bureaus unlawful refusal to comply with the law, I am now having to pay legal fees to fight identity theft with persons who continue to acquire my personal information illegally through incorrect addresses that have been directed be removed from my credit file permanently.
Product: Checking or savings account

On Wednesday XX/XX/2022, I entered my Huntington Bank credentials on my new phone to log in to the Huntington Mobile app.

They had not been saved after upgrading my previous device, and were first in error before entering the correct combination of characters. Thereafter, I received a message informing me that I was unable to login from this device and was required to call customer support for resolution. 

Upon doing so, I was informed by a representative that my account access was revoked due to suspected fraud and identify theft. 

He insisted that I had been locked from my account and its balance for those reasons, despite the fact I could still ( at the time ) log in via web browser and in actuality was in that very moment, having done so successfully while on a brief hold. 

In light of that, Huntingtons representative attributed the good standing of my web status to an error and responded to my request for identity verification with another hold so as to consult his superiors. 

Upon return to the line, he reiterated his response to prior iinquiry that I was expected to visit a local branch despite living XXXX miles away from the cited ( nearest ) location of XXXX XXXX XXXX, XXXX PA. 

Per subsequent discussion, the branch of XXXX XXXX XXXX, XXXX NJ, at a distance of merely XXXX miles and fully listed on XXXX Maps as a functional location is not so. 

Explicitly expressing my establishment of membersip with the understanding of it being available was evidently not an issue significant enough to warrant re-consideration of the situation, so I thanked the agent him for his time before ending the call. 


XXXX via Huntington Banks social media response team ( @ XXXX ) resulted similiarly, after which I chose to post publicly, then ultimately escalate in this manner. 

A customer advocate ( XXXX ) did reach me by phone in the meanwhile on XX/XX/XXXX to indicate her awareness of my complaint, and left a message yesterday morning whilst in the middle of my workday, however my later follow-up call was missed and I have been unable to speak with her since. 

A repeat of that today prompted me to leave another unanswered voicemail after arriving home and not receiving any correspondence. 

After said voicemail, dialing Huntingtons automated customer support line and speaking to a live agent both declared my account has been closed and its balance is zeroed.
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. The program I enrolled in was the medical assistant program, which was eight months of XXXX  and two months of XXXX. The school closed down at the end of the program. There was no warning no mail or no email. I came in XXXX day and they said that this will be the last day in the school will be going out of business due to them, closing multiple schools. I did not get my graduation nor did I finish my program. I dont think its fair that I have to pay off a loan for a program. I didnt complete or for a program that I didnt get to get my certification. I have been doing research for a while to see what I can do to get this off of my credit as well as get the loan forgiven, so I decided to come here in hopes that someone can help me.
Product: Debt collection

Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it, when I first noticed it I called XXXX XXXX and told them they even canceled that card
Product: Mortgage

On XXXX XXXX I called XXXX XXXX regarding an issue with my monthly statement that was the exact same issue I had last year. Since she was able to help then, I thought she would help me this time. I was wrong. She said she was able to help last year because I had a complaint on file. While I was on the phone with her, she transferred me to another department and I spoke to a guy who said he would put a copy of my CORRECT XXXX statement in the mail immediately and that I would receive it by the middle of the following week. That never happened. So on XXXX XXXX, when I still had not received my correct XXXX statement, I filed a complaint with the BBB. My complaint was NOT resolved and I never did get a CORRECT XXXX statement. My grace period for paying my XXXX mortgage payment was up on XXXX XXXX and since it was obvious I was n't going to get any actual customer service, I went ahead and made my XXXX payment and crossed out all the wrong numbers on the payment slip. My payment also included additional principal as it has for the last 2 years. My check for {$2400.00} cleared my bank on XXXX XXXX, which means suntrust received my payment on time. Then the statement I got for my XX/XX/XXXX XXXX due date says that I have {$2100.00} in " unapplied funds ''. That is my monthly principal amount and it should have applied correctly. The additional principal I paid was applied correctly. My XX/XX/XXXX XXXX statement says I owe {$4200.00} which I absolutely DO NOT. When I called on XXXX XXXX to try to get the " unapplied funds '' issue resolved, the rude woman on the phone would n't even let me finish my sentences so I hung up. I called and left a voicemail with the escalation department and their voicemail says they will return customer 's calls the next day. They have never called me back and my mortgage is still a mess. I did not choose suntrust as my mortgage holder, it was sold to them, and I never would choose them. Their customer service sucks and they need to fix the mess with my account that they created and correctly apply the thousands of dollars in principal payments I 've sent them. They also need to return customer 's phone calls or change their voicemail to something that is n't lying to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose
Product: Student loan

In XX/XX/XXXX we received a notice from Navient that my wife 's student loans were past due. I am a cosigner on XXXX of XXXX loans. The loans were taken XX/XX/XXXX-XX/XX/XXXX. My wife has been in school half time since then, but has switched schools a couple of times and is still in school at XXXX XXXX XXXX University. We requested the promissory note and it clearly states that as long as she is I school at least half time, they will put the loans into forbearance. We have pointed this out several times to their collections and Ombudsman ( who is in their collections department ) and they can only state they have a policy that all private student loans are to go into repayment after 48 months. Nobody looked at the agreement, not even the Ombudsman who told us he was instructed by his boss to tell people they just have to pay, no matter the circumstances or agreement, to get those people to pay. We requested their Customer Representative investigate, received a voicemail a month ago that they would, but have heard nothing since. We have been harassed by phone calls/emails/letters and Navient has put negative entries on our credit reports preventing us from buying a house. I requested multiple times the written 48-month policy and was told nothing is written. I 've also sent them a certified letter requesting documentation for which they have not responded. I sent a certified letter to forbid them from calling me as they were interfering with my work. The person who last called me read the promissory note I uploaded to their site and could find nothing supporting they could force repayment. He still stated they had told us numerous times we had to repay, so we needed to just pay. We have no intention to not repay the loan, but as per the promissory note we both agreed to, not be an undocumented policy that is in direct conflict with the note.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back around XXXX and XX/XX/2019 I sent and reported to the credit bureaus that there were some fraudulent accounts actively reporting on my credit report and nothing was done. I complied with there requirements by providing supporting documentations including my id and ss and police report and to this day the fraudulent accounts with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX are still reporting on my credit report and misrepresenting my true credit profile.
Product: Mortgage

I tried to contact the company several times only to find 30-40 min hold wait times. I requested a scheduled callback when a rep was available and that I would not lose my place in line yet never received a callback.  My complaint is because for the statements of XXXX and XXXX I saw a charge for {$25.00} payoff quote. I never authorized the fees to be charged I never requested a payoff statement. I tried to use their IM chat and they stated that XXXX XXXX  had requested a payoff and that's what the fee was charged. I advised them that I while I gave authorization for XXXX to receive payoff information I never authorized the fee to be charged to my account. They told their was nothing they could do since the load has been paid off. I asked for a refund and they refused. This is a predatory practice and want the {$50.00} in fees refunded to me.
Product: Vehicle loan or lease

In XXXX of 2019, I purchased a four wheeler from XXXX XXXX XXXX XXXX located in XXXX Maryland and financed the atv through Yamaha Financing. While signing all of the necessary paperwork to finance, I was never informed of the interest rate, and the monthly payment. When asked I was told Yamaha Financing would be in contact with me. I then asked again if I could set up  direct deposit for my monthly payments and received the same response. After the purchase of the atv I called Yamaha Financing after being told they would contact me after they received the paperwork from the dealer that never happened and to my knowledge set up an account and added my credit card to the file to obtain the direct deposit without any worry. I was assured that everything was okay and that the direct deposit would have been handled after speaking to a representative and thoroughly setting up an account. They did inform me of the interest rate, monthly payment, etc, however this apparently was not done properly on their end without my knowledge. After I realized something was hitting my credit score drastically I did some investigation and learned the direct deposit was not going through after I was under the impression everything was set up and confirmed through the finance department. Immediately I took action and once again called Yamaha Financing and after transferring through multiple different people at this company they told me an account was never set up and that I had missed payments. To make the situation worse because I " supposedly '' missed payments they froze my account making me unable to look at it or pay until they did an investigation and only a specific person there could unfreeze it and it took more time, adding onto the late fees. I paid the late fees because I was more worried about my credit score and missing a payment although I feel as if it was not my fault, I was unaware and under the wrong impression after all with Yamaha Financing. After multiple phone calls, created and recreated accounts with Yamaha, and speaking to the bank I finally confirmed that my direct deposit was going through and made sure I then saw it coming out of my account each month, however, now it has left with a huge hit to my credit score which I see as unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you in regards of a credit decrease in multiple credit cards. I had a limit decrease with Wells Fargo furniture credit from XXXX -- > XXXX. I have been a card holder with them for three years and I have had good payment history with them other then a few months back. I paid off my amount that way I avoid anymore late payments. Once I paid off the amount I owed they lowered my limit. I reached out to them and they didn't give me an answer on their end. I was told to reach out to the credit bureau to resolve the issue. I reached out to XXXX XXXX credit and they informed me it wasn't on their end. They advised me to reach out to you guys since they cant give me an explanation on why they decreased my credit limit. During the time that this incident happened the same thing happened with XXXX XXXX XXXX XXXX where they decreased my credit limit. I am not wanting to make any big purchases. However, this has made a negative impact on my credit for the decrease of credit limit. This has made it hard for me to be able to move forward with purchasing a home.
Product: Debt collection

A law firm in Utah has mailed me a legal demand letter on behalf of a XXXX here in XXXX, TX. I have never been a member of this gym. I have never made an initial or continuing payment to this gym and I have never have been present on the property of this facility. My bank account and credit card records show no activity with either of these organizations. The Aldous & Associates , PLLC group claims I owe XXXX to XXXX XXXX XXXX XXXX. I have never received any formal mailed bills from this gym ever. This law firm attempts to extort me by asking me to pay them a {$50.00} amnesty fee to their firm in Utah and follow up with a 12 month membership at this XXXX I have never been a member with, then my fabricated debt will be forgiven. They threaten to damage my credit if I do not follow their directions. I have currently filed a US Postal Service Mail Fraud complaint and a XXXX complaint against this entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXXl XXXX account ending in XXXX XXXX XXXX XXXX account # or reference # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX ending in account # XXXX XXXX  XXXX XXXX ending in account # XXXX 15 U.S.C 1681 Setion 602A states I have the right to privacy.

15 U.S.C 1681 Setion 602A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want all of these items deleted from my credit reports effective immediately I am attaching proof that the Equifax has admitted that I was, in fact, the victim of this data breach, and Equifax has done nothing, please help me delete these illegal accounts from my credit reports.