23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my business account with Huntington Bank on the XX/XX/2022. 
I did it at the branch in XXXX, IL and applied a promotional code gives promising {$1000.00} credit for deposit {$20000.00} of new money in 30 days and hold it for 60 days. 
I met all the requirments on the XX/XX/XXXX, but unfortunately the bonus was not issued to me. I even deposit {$50000.00} to the account in XXXX to be safe. 
When I contacted the customer service, they couldn't explain why it was not issued and can not fix it. They asked me to come to the branch. 
When I came to the branch, they confirmed that I'm elligible for the bonus, collected my information, but never followed-up to me after a month.
Product: Student loan

I originally borrowed approx {$8500.00} through a loan process ( they report it was closer to {$10000.00} ) for my son about 10 years ago for his first year as a XXXX at XXXX.. Did n't have to pay back until he graduated. He dropped out instead. I paid for several years but after a series of misfortunes, moving out of state for a better job, going through a separation, losing my job ( company closed ) then losing my XXXX yo daughter, I let the loan lapse. It has been bought or sold or changed hands to other loan companies ( XXXX for one ) and now they say the loan is approx {$25000.00}.
They made a deal with me last year if I would pay $ XXXX/mo for 9 mos we could get it out of default status. I agreed. But did n't agree with the total owed and indicated that on the form before I signed. They are now saying it did n't count because I wrote on the form. They want to try that again but I MUST agree to the amount they say is due. I know once I sign the agreement I WILL owe that amount ; I 'm afraid then it can be proven then that I do owe that amount and agree to it. I do n't want to do that.
Now I 'm told their next step is to garnishee my wages. I am tired of this and want clear unbiased options and want to know what my rights are in regard to this- its been a nightmare and I need objective viewpoints and direction.
Product: Debt collection

My account went to collections and I paid it to XXXX. Barclays Bank Delaware and the collection agency is XXXX XXXX XXXX. I sent a copy of the XXXX balance letter to XXXX and it is still showing on my credit report as potentially negative with a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have a loan through Seterus Mortgage Company. We are getting ready to sell our house. I called them up to get a payoff amount sent to our title agency. The first person I talked to said they would send the fax now. I thought that meant that they would send the fax now. When I talked to my title agency later in the day they said they had not received the fax. I called Seterus back and it was then that they informed me that they would not be able to send the fax for at least XXXX3 business days and possibly up to 10 days at the latest! So now our closing will have to be delayed for an uncertain amount of days until they can get the fax done. To me, this is the definition of the word ineptitude and irresponsiblity. I was told I could n't get a rush on the payment info unless I got a court order to make that happen. Their inability to clearly state that they would need XXXX3 days to make this happen also shows a lack of coherent communication skills, something this industry needs desperately.
Product: Credit reporting

We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XXXX. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.
Product: Student loan

The current holder of my student loans is ECMC, who acquired it from XXXX XXXX XXXX. ECMC shows that I owe {$220000.00} on my account. When I look up my account history on the ECMC website, no payment activity is shown for the time period XX/XX/XXXX-XX/XX/XXXX. During those 5 years, I had paid nearly {$1500.00} every month to a Chapter XXXX trustee, most of which was disbursed to XXXX XXXX. In the past I 've asked for a detailed accounting from ECMC to show how the current debt was calculated but did n't get an adequate response. XXXX XXXX XXXX no longer has those records, I was told in a recent phone call. I would like to know for certain that the debt is accurate and valid, but ECMC is infamous for being difficult to work with. Please let me know what options I have. Thank you. By the way, I 'm XXXX years old, if that has any bearing.
Product: Credit reporting or other personal consumer reports

My student loan provider original conclusion to my previous complaints was determined without my supporting documents. After submitting my credit report the loan provider concluded their previous determination as the first. 

I was sent an email that my account was closed along with a blank attachment. 

They never explained why several accounts list unavailable data, repetitive debts amount, missing dates, Increased/decreased debts amount that are irregular. 
Equifax has incorrect credit report and my financial history
Product: Debt collection

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX. Notice it is a fact that my federally protected rights have been violated. THE COMPANY, NCB MANAGMENT SERVICES, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, NCB MANAGMENT SERVICES, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the complaint herein. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX AZ. Reporting false information, sending unauthorized information to other creditors, will not speak to me why are they providing misinformation to creditors and credit bureaus, bad company, lots of bad experience from current and previous clients. 
Forced High interest increase and false late fees without notice in the mail. Loan was at {$6000.00} in 3 months {$8000.00} false reporting. Defamation of character. They blow up my phone for payments, but do not notify me for increasing fees and interest. Company is fraud.
Product: Checking or savings account

I was a victim of identity theft in XXXX of XXXX. This resulted in the majority in my online accounts being hacked and funds stolen. As of this writing, almost a year after i still have almost $ XXXX outstanding from three billion dollar companies who have failed to protect my money or made a good faith effort to return the fund. The first of these companies is payroll processor ADP. I am a registered nurse at a facility where ADP is mandatory if you want direct deposit.. A that time there was no two factor authentication on their app or web interface. As a result of this glaring security flaw the hacker was able to steal approximately {$6000.00} by replacing my checking account with another account that only he has access to. There was no call from ADP that a change was made, no email or text notification so I was totally unaware that this had happened until after the money was gone. A simple notification would have prompted me to log in and check for any discrepancies but that was not the case. Ironically the month following my incident a new vision of the payroll app called ADP totalsource was rolled out. this version now had two factor authentication. I now get a text and email when any changes are made to my payroll account. 

I reached out to the vice president of my company who in turn contacted the payroll dept but to this day have not had any remedy. i also contacted ADP via email and was contacted by a lady who basically said that's not her dept i should tell my company to contact ADP personally which they already did. There is no one to hold accountable for my {$6000.00} loss.this is money i worked hard for during the height of the Covid-19 pandemic, literally risking my life. From my perspective if my employer gives something to an intermediary and the intermediary loses it they should replace what was lost. As a result I have filed a claim in the XXXX  small claims court and have subsequently received a hearing date for XX/XX/XXXX. Apparently it is more prudent to pay attorney fees in addition to the outstanding funds. 
I have attached email correspondence of my issues plus a screenshot of the payroll screen and my bank statement.
Product: Mortgage

ON XX/XX/XXXX I COMPLETED A LOAN MODIFICATION PACKAGED AND FILED IT IN A TIMELY MANNER WITH XXXX XXXX VIA MAIL AND FAX SHE ACKNOWLEDGED RECEIT OF PACKAGE VIA A RETURNED LETTER AND VIA PHONE FROM HER XXXX XXXX OFFICE ON XXXX OF XXXX SOME SEVEN TO EIGHT DAYS PRIOR TO THE XX/XX/XXXX TRUSTEE SALE DATE PRIOR TO THIS LOAN MODIFICATION ON XX/XX/XXXX THE YEAR THAT THE HOMEOWNER BILL OF RIGHTS ( HBOR ) BECAME LAW IN CALIFORNIA I HAD A PREVIOUS MODIFICATION FILED. MY PRINCIPAL BALANCE WAS XXXX ( SEE ATTACHED ) AFTER MY THREE TRIAL PAYMENTS XXXX XXXX XXXX I WAS ON MY WAY TO PAYING OFF MY FAMILY HOME ON A VERY SOLID PAYMENT PLAN THEN THROUGH SOME FRAUD AND DECEPTION NOT HONORING OUR VERBAL CONTRACT I FOUND OUT ON THE WRITTEN CONTACT XXXX XXXX XXXX BALANCE DID NOT REFLECT THE VERBAL NOR THE THREE TRIAL PAYMENTS BALANCE, A DISPUTE ENSUED AND FOR 26 MONTHS ARE BETTER I TRIED TO RESOLVE THIS ISSUE ONLY TO HAVE TO DEAL WITH MUCH MORE SLIPPERY DECEPTIVE AND BIASED BEHAVIOR FROM NUMEROUS SERVICING CHANGES, RELOCATION OF MY FILE TO XXXX XXXX TO XXXX XXXX THEN NUMEROUS P.O.C 'S ( SEE ATTACHED THEN CAME THE ATTORNEYS AND LAF FIRMS. WHICH BY THE WAY RUSHMORE SEEMED VERY DECEPTIVE IN IT RESPONSE TO MY PREVIOUS CFP CASE # XXXX NO MENTION OF THE XX/XX/XXXX SALE DATE SEE ATTACHED DOCUMENTS ...
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have an incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXXXXXX XXXX XXXX on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XXXX You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to inquire without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

WELLS AND COLLECTION AGENTS AND ASSIGED LAW FIRMS FOR LAWSUIT DOCKET XXXX XXXX XXXX CIRCUIT COURT OF XXXX COUNTY WAS SERVED TO US VIA MAIL AND IN PERSON, REFUSED SUMMONS AND KEPT GETTING CALL FROM ALL PARTIES FOR XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX MY ESTRANGED FAMILY MEMEBERS. CALL CELL, WORK CELL AND SKIP TRACED XXXX IN VIOLATION OF FDCPA TCPA THIS WENT ON FROM XX/XX/2009 TIL NOW.
Product: Checking or savings account

I opened a new XXXX  checking account with US Bank. The product is XXXX XXXX Checking. The product is supposed to be 100 % fee free. Officially, there are no account fees, but there is an " analysis '' fee that they charge to provide monthly account statements. It's {$6.00} per month, {$9.00} to get check copies. Customers can opt out by choosing paperless, and I have chosen to get everything digitally, but I continue to be charged {$6.00} per month. My relationship manager at the bank ( XXXX XXXX at the XXXX, CA branch ) said she can't see why it keeps on happening. I think they do this on purpose, to make it a hassle to call and get a fee credit each month.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Could you verify the documents? Several listed accounts contain inaccuracies in reporting, such as incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

I the consumer was fraudulently charged through the Zelle payment system, due to the bank 's failure to adequately verify the recipient or implement sufficient fraud prevention measures, resulting in the loss of funds.
Product: Debt collection

I have received a mail letter from XXXX XXXX XXXX XXXX XXXX XXXX trying to collect a debt that is owed to PLS FINANCIAL SERVICES. 
I do not have any account with this company, I do not know anything and have no information about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up any response from the Credit Bureaus after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an account that is reporting erroneous and incorrect information. Right now, I am not satisfied that the Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sensed that the remaining account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. The account XXXX XXXX XXXX XXXX with Balance Owed : {$810.00} is showing an inaccurate payment history and payment status. A charge-off account should show XXXX balance. This inaccurate information continues to do harm to my credit. I am asking the Credit Bureaus to provide me proof of the last payment. Otherwise, remove this account completely from my Credit file.
Product: Checking or savings account

CONSUMER HAVING TIMING OUT PROBLEMS WITH THIS WEB PAGE. PLEASE REFER TO ATTACHMENTS # 1. # 2 and # 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

iled dispute with Transunion. Disputed XXXX XXXX and XXXX XXXX. This was not investigated all that Transunion did was take some info, from the companies and accepted that. I want to know how this was investigated and a copy of the information to include my address and home. 
These are not my accounts nor are they the collection companies. The companies did not show proof of ownership. 
Remove this from my credit.
Product: Credit card or prepaid card

To Whom It May Concern, XXXX XXXX XXXX, I called Barclays ' customer service to report fraudulent charges on our credit card account : XXXX ( XXXX ) charges for USD {$1700.00}, which appeared to have been initiated on XX/XX/XXXX, made to " XXXX XXXX ''. 


For the record, we have never made any purchases with " XXXX XXXX XXXX online or otherwise, with our Barclays credit cards ; we never received a receipt for any purchases made, nor received any confirmation from Barclays or anywhere else, via email or otherwise, that any purchase was made to this effect. 


When I called Barclays on XX/XX/XXXX, the same day the purchase was posted to our account, I was told the card would be canceled, the fraud claim would be investigated, and we would hear back in writing in XXXX days. 


Also for the record, we have multiple chat transcripts, emails, and other records indicating the tickets in question were purchased without our permission by XXXX due to a system error. 


It has been over 2 months, and it remains clear Barlcays is holding me, the cardholder, responsible for a vendor error. 


These charges are not ours, and XXXX is happy to return the moneys, but as of today Barclays refuses to help XXXX return those moneys. 


Since we can't seem to trust Barclays XXXX Customer Service or Fraud departments to do their job with integrity, we are writing because every single representative we have spoken with since initially calling about this issue has told us falsified or incorrect information, and now almost eight weeks after initiating our fraud complaint we still have nothing in writing from Barclays : nothing in the mail, no emails, nothing even on our account online, and literally no one at Barclays that we have spoken with can verify anything is being done to fix this problem. 


It is clear that Barclays customer service has not done their jobs correctly, and that our claims that we did not initiate or complete this purchase are being ignored. 


A successful resolution to this error will be for XXXX to return Barclays funds to Barclays ; my account ( ending XXXX ) to be closed, and a letter of apology sent to me and my wife for this despicable excuse for customer service. 


We will appreciate nothing except prompt and proper resolution of this issue. 


XXXX XXXX XXXX XXXX
Product: Debt collection

I am sending this letter to request your assistance with a collection agency that appears to have a long history of consumer abuse. Example : there is a class action lawsuit against them in South Carolina XXXX # XXXX dated XX/XX/XXXX and a staggering amount of complaints online. 

I have reached out to the creditor but have not received a response. I have been declined a request for housing because of a recent collection account placed on my credit that did not have the opportunity to validate. Hillcrest Davidson and Associates is reporting a collection for an account that has never been validated, I have never heard of either the collection agency or the original creditor being reported. They made no attempt to validate this. Instead, they instantly showed on the report that they opened a collection in XXXX of XXXX. I sent an email but no response. This single account violates several laws including but not limited to the CFPB Regulation F, FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FDCPA Section 807 ( 8 ), FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FCRA Section 623, FCRA Section 605 ( c ), and FDCPA Section 806. The account was for XXXX XXXX and I have no idea how that can be. I looked them up and they appear to be an XXXX XXXX. I have had XXXX for quite long time, and have no issues with them. That is the only alarm system I am aware of. 

I requested they provide me with the following : What is the money you say I owe is for. 

Explain and show me how you calculated what you say I owe. 

Provide me with copies of any papers that show I agreed to pay what you say I owe. 

Identify the original creditor. 

Prove the Statute of Limitations has not expired on this account. 

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I informed them that if they had reported invalidated information to any of the XXXX major Credit Bureau XXXX XXXX, XXXX, or XXXX ), said action might constitute fraud under both Federal and State Laws. 


I asked them to please remove the account in question until such time as this is resolved. By refusing to do this they are defaming my character and causing me financial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a inquiry removal letter, i specifically asked them " I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. '' within 5 days I got a response from Experian saying the information was " accurate '' yet they DID NOT provide me the proof I asked for if they did decide to label it " accurate ''