23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in the process of getting a XXXX  from my bank. On XX/XX/XXXX I received an e-mail that advised me that I had a judgment against me in the amount of {$1700.00} from Asset Acceptance LLC that I must pay in order to get my loan. I tried to find out who or what that company was and it turn out to be a default judgment against me on XX/XX/XXXX because I missed pre-trial. I was never notified or summoned for court. When I tracked down the new company that took over Asset Acceptance LLC, Midland Credit Management Services, they said I now owe them {$4400.00} for a XXXX XXXX account that was opened in XXXX. I do never opened an account with XXXX XXXX and I have no knowledge of this debt. They said I'd have to do an affidavit ftc.gov or police report to dispute it. I went to the local police, because of the age of the debt, they need more evidence and could not file a report. I'm trying to reopen the case for the judgment against me because I was never notified and this is a fraudulent account.
Product: Checking or savings account

I have an account with XXXX XXXX and they will not return phone calls or close my account. I have called and written to request my account be closed and I can not get anyone to help. 

My account has been frozen without reason for over 6 months.
Product: Vehicle loan or lease

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX XXXX  XXXX / {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough investigation on my report and the did their investigation and responded with everything being verified. I did a thorough investigation my self and notice their were still inaccuracies after their investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to fair credit reporting act XXXX  accounts 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inagcurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
Unbelievable that the bureau are getting away with this. 

Remove accounts listed below immediately off of credit Report : 1XXXX XXXX- XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint is in reference to a personal checking account that was opened during the year of XXXX XXXX. The account is currently closed. In addition to an separate checking account opened during XXXX. 

Approximately around mid XXXX XXXX, I walked into a Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that confirms that a series of Cashiers Checks were purchased and paid via my checking account. I was the remitter the check and XXXX was payable to XXXX XXXXe. I spoke to a banker within the personal banking section of the branch and presented copies of all Cashiers Checks and explained I needed a thorough research and investigation for legal purposes. I explained the narrative of my case and even advised I have a court trial in early XXXX XXXX.I left them copies of all the Cashier 's Checks and was assured I will receive this information in a timely manner. Some of the checks presented were acquired from XXXX XXXX XXXX, presently known as Chase bank. Since making this inquiry, I have not received anything by mail or a call from the branch. I tried to call customer service a few times, yet was unsuccessful. The branch claims they do n't have any records on their system and they forwarded this to the proper department that can handle these matters. I am a plaintiff of a pending civil litigation related to an illegal foreclosure. The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Chase bank. I have attached all copies of these Cashier 's Checks for your review.
Product: Mortgage

We have had a continual struggle with the Dovenmuehl Mortgage servicing department regarding every payment that is being made since the inception of this refinanced loan. They consistently call after my uncle has made every payment and out of confusion, sometimes he's been tricked into making multiple payments ( he has early onset XXXX ). I have sent the entity a certified mailing months ago to set up the uto payment, we have spoken to them twice about it on the phone, YET, the collections department continue to call and send early default mailings. Please do call me at XXXX for additional information. thi si XXXX outright Elder abuse and I WILL sue the pants off this company. I am a XXXX XXXX XXXX, and I hve over 30 years inj XXXX  and XXXX. 

Best regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo froze my account with {$700.00} a month ago and still hasnt resolved the issue! This has now been a month of me fighting to have MY money transferred to MY bank. I verified my identity and now they want bank statements which is personal! The money I transferred was to my fianc and they froze my account and it cant even be put back into it! How does a company withold your personal money for a month!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

NAVIENT is a creditor as defined by 15 USC 1692a ( 4 ). 

NAVIENT alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

NAVIENT is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account sinceXX/XX/XXXXand XX/XX/XXXX 

NAVIENT has failed to supply any record of payment under the original creditor SALLIE MAE as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -NAVIENT in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-NAVIENT in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- NAVIENT has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

Bank of America Mortgage Loan Rep. XXXX XXXX # XXXX ( XXXX ) took a loan application for an FHA mortgage ( home purchase ) on a house in XXXX, Michigan. After reviewing the application he verbally stated that the loan would probably be approved. If not approved any fees charged by Bank of America would be refunded. {$650.00} was paid to B of A on XX/XX/2019 to start the approval process. I responded promptly to all requests for documentation requested by B of A. Subsequent to this Mr . XXXX informed me that I would not qualify for the mortgage based on the nature of my income, which was considered " commission '' for underwriting purposes. I work for XXXX as a XXXX XXXX. They guarantee me either a minimum amount of income or 50 % of my total billings. I also get significant tip income which is 100 % kept by me. I have consistently exceeded the minimum since I started one year ago. For informational purposes, I took my application to XXXX XXXX and was approved for an FHA loan in the same program with the same underwriting information. I have since purchased and closed on the home. 

Of the original {$650.00} taken by B of A, they refunded me {$280.00} on XX/XX/2019. This still leaves me {$360.00} short. When I asked Mr . XXXX for these funds he told me it was for an appraisal and would not be refunded. This seems unfair for the following reasons : 1. I was told I would get my money back if turned down for the loan.

2. I was turned down for reasons not related to the appraisal. Why was the appraisal even ordered if I was going to be turned down regardless? 
3. XXXX had no trouble securing approval for an FHA loan, which makes me wonder about the competence of B of A underwriters. 
4. The appraisal by B of A was ( according to XXXX ) not properly completed. I had to pay XXXX to have the appraisal redone. 
5. Bank of America 's inability to process a loan that their competition had no problem underwriting almost cost me the opportunity to close on our first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 collections accounts from XXXX via Harris are fraudulent and not mine or my families.
Product: Debt collection

I received a phone call XX/XX/18 from XXXX XXXX XXXX  about a debt of a card that I am unaware of and is apparently from XXXX - The man said he was mailing me a packet and would be filing a civil law suit. I have an excellent credit score that I have worked very hard for, i do not have any outstanding debt or a card in collections. I am not sure of any XXXX account he is speaking of. I researched because all credit debt even when not paid goes away after 7 years on your credit report but also has a statue of limitations, which upon investigation is 3 years in NC. I don't know who these people are but it seems illegal to call and scare people telling them they are being sued for an account of something they're unaware of and believe to not be theirs. from 15 years ago. I went and pulled my credit report because I was scared by being told I was being sued and confirmed the accounts that I have and that I have all on time payments and excellent payment history and current. Not sure how to handle. I told the man I would report them to the XXXX XXXX XXXX but figured it would be better to go to consumer finance after investigating and after seeing multiple posts from other people about this and that this is some scam. I can't believe that I am taking time out of my day to deal with people who thrive on scaring people, but my credit and protection of my social security number is very important.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send over any proof sign signatures etc of the. They stated they verified the information with XXXX XX/XX/XXXX which is false because my XXXX has bee frozen since XXXX of XXXX. Failure to send over proof of documents etc item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX  XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EQUIFAX XXXX Non authorization on XX/XX/XXXX, XXXX CONTACT DETAILS XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Debt collection

I believe this collection account should be removed for the following reasons : I never sign a contract with the following company I requested a debt validation and never received an answer I have already attempted to resolve this matter directly with the creditor/collection agency, but I have not received a satisfactory resolution. Therefore, I respectfully request that the CFPB investigate this issue and facilitate the removal of the collection account from my credit report. 

Please let me know if you require any additional information or documentation to assist with this matter. 
Thank you for your attention to this issue. I look forward to your prompt resolution. 

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

I have been sending written correspondence to EXPERIAN and XXXX since XXXX of this year regarding this closed account, XXXX The company is showing 1 late payment. 

I contacted the company in XXXX and they were courteous, but unable to assist. I believe it something to do with the company 's name changing or not being able to access my records. 

I asked that EXPERIAN and XXXX look into it and provide the documents to support the late payment being reported on my credit report. To date, I have not received the documents or official results of what actions EXPERIAN and XXXX took to ensure the accuracy and completeness of the data that is being reported.
Product: Student loan

I received letters dated XX/XX/2021 indicating that I have made either 24, 27, or 29 total PSLF qualifying payments, depending on loan sequence. I received further correspondence on XX/XX/2021 indicating that I instead made either 25, 28, or 30 PSLF qualifying payments, depending on loan sequence. As my normal billing date is the XXXX  of the month, I do not understand why there would be a discrepancy between correspondence on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone collection account with I XXXX XXXX XXXX opened on XX/XX/XXXX, an apartment debt collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX opened on XX/XX/XXXX, and a collection account with XXXX & XXXX XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

I opened a new checking account with Bank of America in XX/XX/2021. 

I deposited {$290.00} on XX/XX/2021 into my account via Direct Deposit. My account was in good standing. 

On XX/XX/2021 at XXXX I deposited {$1400.00} ( XXXX {$20.00} Bills ) into Bank of Americas ATM ; ATM ID : XXXX in XXXX , Maryland . Which malfunctioned and was unable to fund my account or return my deposit. It asked me the amount and also gave me a receipt of the machine malfunction. 

I stayed at the bank and within 15 minutes I filed a claim via the Electronic Claims number provided. The claims representative informed me I would receive a temporary credit within 2 days pending an investigation and notice via mail. 

I attempted to use my ATM/Debit card to make a purchase the next day and it was declined. I contacted Bank of America and was informed my account was in the process of closure pending the result of the previously opened claim. They never contacted me informing my account was in closure. 

On XX/XX/2021 I contacted Bank of America for an update due to not having access to online banking message center. I did not receive any mail notice. Bank of America informed me the claim was denied as they were unable to retrieve any cash from the ATM and stated video footage showed I did not make a cash deposit which is impossible. 

I asked for proof of the video footage and Bank of America informed me I can file a police report and subpoena the footage. Why should I be put through more emotional anguish by opening a legal process to rectify a malfunction with Bank of Americas faulty ATM machine. Why would Bank of America not openly provide the video footage to a customer ; weird right? 

I asked the representative when my remaining account balance would be sent to me and she informed me the estimated account closure date was XX/XX/2021. How is this possible when I was informed if my claim was accepted I would be sent a check including my account balance that week. Meanwhile I lose {$1400.00} and my remaining funds will be held for more than month by Bank of America which I believe they benefit from in some financial way through interest. 

I have attached the ATM malfunction receipt and proof of my ability to provite the funds I received and deposited. The funds I deposited were Federal Unemployment Compensation due to unemployment because of Covid-19. 

This has severely impacted my already handicapped ability to provide for myself and fulfill my obligation to my rent. I can not easily replace {$1400.00} at this time due to unemployment. I think it is unacceptable Bank of America is allowed to operate claims and accounts in this way. I think there has been foul play in the handling of my account and ATM claim on Bank of America 's part.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

somebody fraudulently open a credit account for {$1100.00} under my name in XXXX   XXXX in XXXX Ca and I dispute directly with the company that reported the information in this case synchrony bank and my dispute claim was denied my synchrony bank, and also called the collection agency first source and I was told by then that synchrony bank denied my dispute claim as well. 
According to synchrony bank I have to pay this fraudlently account for {$1100.00}. 
This is not right, fair and honest. 
How can I pay something thay I didn't incurred or do? 
synchrony bank telephone ( XXXX ) XXXX XXXX XXXX telephoe ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent letters to EXPERIAN, XXXX and XXXX about account XXXX  account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if this account.
Product: Vehicle loan or lease

I purchased a new vehicle and secured a loan through BMO Harris Bank. I was making payments to them, however when I was overseas on XXXX I found out that my loan had been sold to XXXX XXXX XXXX. I only found out that my loan had been sold while trying to make a payment on a sat phone in XX/XX/2016 in the middle of XXXX. I never received a disclosure from BMO Harris or XXXX XXXX. A customer service representative gave me a phone number to call and, thankfully, I was able to make a payment without a late payment, however I was BEHIND by one month. No one tried to call me, email me, or contact me via mail before or after the effective date of transfer, which I still don't even know. 

XXXX XXXX XXXX seems like a scam company also. Terrible reviews from people who have had their auto loan sold by different banks. They have 100 % negative reviews on the XXXX website. As far as I can tell they have no website either, probably so people miss payments and they can charge late fees. Trying to find contact information for XXXX XXXX XXXX took hours. This is how not to run a business.