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

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX  Balance {$3100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XXXX, 2016 I received my XX/XX/XXXX/XX/XX/XXXX escrow in mail from Ditech Financial LLC. Upon reviewing I became alarmed by the huge property tax increase and large increase for XX/XX/XXXX mortgage payment due to these projections. ( felt a little sick because of a similiar situation taking place in XX/XX/XXXX/XX/XX/XXXX ). I telephoned next morning ( XX/XX/XXXX ) to find out what was going on. After several calls I was quickly able to realize that the escrow projections were in error based on customer service reading my neighbor 's parcel ID as well as mine. I explained that there was a legal amendment/ partial release to my mortgage based on an error of Green Tree 's when a refi was done as part of The Making The Home Affordable Program. ( XXXX XXXX had pulled the wrong legal desciption when refi was done ) I ask that they look in their system for the document and they were able to pull it up but some how it was overlooked when they uploaded file ; this was in connection from Ditech becoming GreenTree. Thus began the inconsistent information being given to me by customer service. I was told that under circumstances that it could take up to 14 days to investigate but with documents in their system to call mid next week and they should have it investigated. It was then said it would only take another 5-7 business days to perform new analysis. Finally the rep I spoke with said information from calls and XXXX page amendment would be emailed to me while we were on phone but to date no email has been sent. This made me very uncomfortable in thinking that the calls could be overlooked and so could the research they said they were going to do. Therefore I sent several faxes and letters ( Written Qualified Request and Notice of Error ) on Saturday, XX/XX/XXXX as well as messages to the online message center. I did not receive any phone calls to confirm receipt of information. Then on Monday, XXXX XXXX, 2016 I sent a letter priority mail ( so I could track when it would be delivered to ) The Taxing Department, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX As one last attempt I emailed Ditech directly XXXX. The email consisted of said letter and forwarded emails from XXXX County Treasures Office of which had the XXXX page partial release document attached. When I called Ditech Customer Service on Wednesday, XXXX XXXX and was told a whole set of different time lines, they were not allowed to email customers and that this could take up to 90 days after research was finished I became more than alarmed and realized I needed assistance in getting this error on their part fixed thus turning to you.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I was part of a XXXX XXXX through US Bank who refused to recognize it as a scam or refund my money. I have a police report, the scammers used fake US Bank phone numbers, and I did not know the person that the money was being transferred to. 

I was texted a message on XXXX XXXX from a US Bank phone number that asked if I authorized a transaction to XXXX, which I didn't. The text asked me to text yes or no. I texted no and I immediately got a phone call from a US Bank phone number. The scammer said his name and that he could see that someone had my account information and loaded it onto a XXXX XXXX  phone and was using it to make purchases. He knew my bank balance, my address, phone number, etc... He then listed a bunch of transactions and asked me if I authorized them. He said he would cancel those transactions and then he asked if I transferred money through XXXX to a person named XXXX. I again said no. He then said per company policy he needed to walk me through the process of transferring the money back from XXXX so it would go back into my account. 

He then had me log into my XXXX account, which I haven't used in over 5 years, to go about the process of transferring money supposedly from XXXX 's account back into mine. We did three separate transactions totaling {$3500.00}. He then said it would take 24-48 hours for my account to go back to normal. 

After 48 hours when my account was not back to normal, I called the US Bank Fraud department and they figured out that I had been scammed. They completely shut down all of my accounts because they didn't want to get hacked further. I had no online access to anything and had to open a new account to transfer any money in all of my bank accounts ( my business account included ) into it. I then had to wait two weeks for the fraud department to do an investigation. After two weeks I called the fraud department back and was told that my claims were denied. I was then told that I should get a police report from my local police department, which I did, and have my local branch submit a claim again. I did all of this. 

I was quickly sent a letter saying this was a duplicate claim and it was again denied. 

According to CFPB, banks are supposed to treat these XXXX scams as a lost or stolen card, which US Bank did not. They acknowledged that I was scammed and I followed all of their procedures, but have no recourse. According to recent Senate hearings with other bank CEOs, these banks knowingly use XXXX even though they are very susceptible for hacking, which my account obviously was. There are also law suits against other banks for not reimbursing their customers, and there should be one against US Bank as well. I was also not treated well throughout this entire process, more like I was the criminal. 

This was a very sophisticated scam and I would like my {$3500.00} returned to my account.
Product: Debt collection

COLUMBIA DEBT RECOVERY IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND COLUMBIA DEBT RECOVERY IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. COLUMBIA DEBT RECOVERY is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
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 ( 5 ), 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordancewitj fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit cardaccount under an open end consumer credit plan as a late for any purpose. 
Specifically, XXXX XXXX and Synchrony Bank. Unable to provide original documents and continue to record unaccurate information on credit report as recently as XX/XX/2024. 
I have sent out, Certified letters and mail, requesting documentation to XXXX, with negative results.
Product: Credit card or prepaid card

So I'm XXXX of 2020. I had received my funding from Nevada Pandemic unemployment assistance. It was XXXX. I had tried to use my card but they blocked the card for about 11 months..I just noticed that there was two transactions that got denied because of the block. Both transactions were for XXXX dollars. Stated it was submitted and payed out but I didn't get the money due to the card being blocked. I called and called Bank of America over and over just kept getting getting the card had been blocked and I needed to contact my sponsor. They have done this more than one occasion. I had contacted unemployment but they had me on a waiting list for 10 months. I couldn't even dispute the charges due to the fact that everytime I called they wouldn't even speak to me they would say contact my sponsor. I don't think this is right to take money that didn't get paid to me bacuse they blocked my card
Product: Checking or savings account

On XX/XX/21, my checking account was debited for two automatic transitions in the morning. These funds were deducted from my account. 
The evening of XX/XX/21, I over drafted my account and was assessed a {$35.00} fee. 
On XX/XX/21, my account was hit for two other {$35.00} fees. I called Bank of America and was told that this is because the transaction posting order was changed by Bank of America so that the fees could be assessed. They were unable to reverse the charges at their level and advised I submit a complaint. 
This is wrong in terms of how items actually posted and wrong on Bank of America 's part in an attempt to take from customers already facing difficult situations - particularly those suffering because of the ongoing pandemic.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion and XXXX XXXXXXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion, XXXX XXXX and the creditors reporting collections/Charge-Offs, other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved. i am opting out of my your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

My mother was being charged every month for a service she never needed, after 5 years we received a letter stating that her account was being charged a monthly fee, we received a letter stating that the check hadn't been cashed yet, however she never received the check. The amount was XXXX so I contacted Wells Fargo and they said they were going to reissue the check again, however never received the check still been waiting
Product: Student loan

My XXXX loans were in default and I spent years trying to set up a plan to rehab them. XX/XX/XXXX I finally entered a repayment plan. {$0.00} payments were to count towards on time payments needed for 9 months and then transferred out of default. While buying a house they showed up and I checked and found they were still in default incorrectly. Default resolution group said they didnt transfer and I enrolled in fresh start. My mains were transferred out of default to Nelnet XX/XX/XXXX. XX/XX/XXXX I emailed nelnet asking for my login, loan balances, loan status, payment amounts. XX/XX/XXXX I spent hours on hold trying to get a login and my requested info. Nelnet said they do not have an account for me whatsoever. The same day I made multiple calls, emailed Fed Aid, and they all said that nelnet has my loan and this is the only place I can get that info. I submitted a complaint to fed loan and recieved email responses from fed aid indicating that my loan servicer is dev resolution and to call them for the info but Im the phone they and debt resolution said nelnet has my info. The debt resolution XXXX site shows my loans transferred out XX/XX/XXXX, the fed aid site shows them in default still. I received a letter XXXX dated XX/XX/XXXX stating my loans are out of default and to nelnet. Ive submitted multiple complaints, called, emailed, messaged, and still no one has my information. I reached to XXXX XXXX office who as of XXXX is assisting me and filed a complaint. I have filed a complaint at whitehouse.gov. XXXX. I am going to lose my house because of this and all I need is my loan amounts, loan status, and payment amounts from Nelnet. I close on a house XXXX and have at this point spent years trying to correct my XXXX loans and now a week just trying to get my information verified and this is preventing me from closing on a house. PLEASE PLEASE PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a phone call from a lady stating she was from Caine & Weiner and demanded payment. I asked her nicely to send me a verification letter on company letter head to verify the debt. She said they sent letters in the past and she will not put in a request to send another. Things got heated over the phone when she continued to demand payment without verification. I ended up telling her I will not pay until I get a confirmation of the debt in the mail and she threatened to pursue the debt " legally ''. I told her I know my rights and hung up. After cooling off I called the same number and to my surprised received the same lady who apparently had caller ID because she said my name and asked what I wanted. Once again I asked her to verify my debt by sending me a letter and she asked why a phone call wasn't good enough to be verified. I told her I'm not going to pay without the verification letter and hung up again. 

I had already sent the debt company a certified letter to verify the information in writing.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : 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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX, AL XXXX ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX Balance Owed : {$580.00} ; XXXX XXXX XXXX Balance Owed : {$64.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$1100.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$1300.00} ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I had taken a loan out with XXXX  3 or 4 years ago. I was furloughed due to Covid and missed payments. The account was turned over to XXXX. I set up a payment plan with them where they wanted {$200.00} every 2 weeks. After being out of work for over 2 months, I fell behind on my payments because they are too much. XXXX XXXX from XXXX called my work number and told the person in our call center that she needed to speak with me. She was told that we do not take person calls. She told the co-worker that she had a complaint and judgement against me and that she needed to get in touch with me. My co-worker called me and I said I would take the call. I promptly told XXXX not to call me at work ever again. She said she would call my cell. She did call my cell, but I was still at work and unable to answer. She calls me back at work to tell me I didn't answer my cell. I told her again, DO NOT CALL ME AT WORK. She left another message on my cell. Today she called me at work again. I told her again, DO NOT CALL ME AT WORK. XXXX XXXX from XXXX  also called and left a message saying that I have 2 civil complaints and garnishment against my name and Social Security number. They have called me from 4 different numbers. # XXXX, XXXX, XXXX and XXXX. I am being harassed at my workplace which jeopardizes my employment. I have 3 copies of where XXXX has called me at work and a voicemail saved from her stating she wouldn't call me at work again, but she has called me at work twice since then.