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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX  XXXX  # XXXX - Date Opened XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXXXXXXXXXX. XX/XX/XXXX
Product: Checking or savings account

i opened account in TD Bank online, because they offer {$300.00} for this. after i meet all criteria they did not post money on it. i contacted them and bank assured me, that money will be posted within 60-90 days. after 90 days of using my money ( it was serious amount! ) bank did not give me my {$300.00}. i contacted them and they told me, that i am not eligible for it, because i already had an account with them/. 
on my request to prove it, they promised to send me a letter. letter never received, because account never been opened. 
i want you investigate business of this bank, return me my money and stop theyr business in XXXX, as fraudulent.
Product: Debt collection

I DISPUTE THIS DEBT!!!!!!!!!!!!!!!!!!!!!!!!!! 
Hello, I will make this as plain as I can. I have lived in XXXX Florida XXXX XXXX XXXX account. I would have sent you a certified letter return receipt requested asking for proof of this debt, but as we both know your company has a track record of not responding to them. Convergent Outsourcing inc., never sent me a bill or any notification of this debt. I am a victim of Identity Theft. I found out about this debt last night and today I filed a Police Report with the XXXX XXXX XXXX case number XXXX. I could also type out all the codes you are violating under the FCRA and the FTC and CFPB rules for Debt Collectors, but why bother you know them as well as I do. I expect any and all derogatory action to stop while you respond to this complaint. I want to see any and all paperwork about this account ( Verification of the Debt ). I want the address of the location that used the power, I want the date it was opened how long it was opened who had the contract before this fraud account, and the bank account or the credit card information for any and all payments. If the payments were made at a check cashing location I want video of the person who made the payments. This is not a game so please understand you are committing Libel and defaming my name and credit report. I know company 's like yours like to tell people you will take them to court, but in this case, that's not needed because if this doesn't go away if I don't get a letter from you apologizing for reporting this fraud account in my name I will be more then happy to take you to court.
Product: Credit card or prepaid card

Opened TARGET  credit card XX/XX/XXXX - XX/XX/XXXX = made payments as agreed, no late fees XXXX XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ ENTERED PAYMENT PLAN XX/XX/XXXX payment XXXX $ XXXX late fee XXXX XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ I realized that I was being charged a late fee even being on their payment plan, I called and they said that I still accrue late fee even on the payment plan even though paying XXXX $ Late fees have fluctuated since that dates as follows and I have not made a payment as I have been unemployed since XX/XX/XXXX XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ Balance claim is = {$780.00} my credit line was XXXX $ -- the total in late fees since XX/XX/XXXX is XXXX $ alone this does not include the interest that has accumulated I tried to contact them and I can not get through to a representative I made three XXXX $ payments that would of had the account nearly paid off, was never told that my account was considered late every month regardless if I was making attempt with the hardship payment plan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

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

These addresses do not belong on my credit report : 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 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 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: Credit reporting or other personal consumer reports

In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report this crime. They instructed me to go to the website XXXX & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the item but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 

XXXX XXXX XXXX
Product: Debt collection

I am receiving harassing phone calls. They have also called my family members threatening legal action regarding some account with integracredit. They are calling from numerous different numbers. Today they called from XXXX and wanted me to call XXXX regarding case XXXX. 

I have never had an account with integra credit and am furious they continue to call me and my elderly mother
Product: Mortgage

Paying my mortgage on line, it stated my mortgage will go up almost {$200.00} more per month beginning XXXX2017, due to a shortage with my escrow. However, when I called customer service to get an explanation on how my account is negative ( when I have not missed a payment ), along with me reviewing the payment history on my account, it shows there are SEVERAL large payments that were not posted to my mortgage and went to " unapplied funds '' and a " lender paid expense '' payment of {$16000.00} that was also posted under " unapplied funds ''?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to remove a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to assertively bring to your attention that my credit file currently bears a collection entry from your agency, despite the absence of any monthly historical data for these accounts. I want to emphasize that, in accordance with 15 U.S. Code 1681i Compliance protocol, it is imperative that these entries be swiftly and unequivocally removed.
Product: Vehicle loan or lease

On XX/XX/year> a call was made to Huntington National Bank to make a payment after receiving notice from them a payment was not received. Spoke with a customer service rep name XXXX and made her aware that the State of XXXX  was under a State of Emergency by the Federal government due to XXXX XXXX and payments may be delayed by their consumers in XXXX. Nevertheless, inform her was unable to make payment online and need to make a payment for the month of XXXX. XXXX the rep said she needed to transfer me to the right department. Call dropped or termed. Return call to Huntington Nat'l and spoke with a second rep name XXXX. Preceded to repeat the awareness given to XXXX and again inform XXXX I needed to make a payment for the month of XXXX and transfer to department that handles natural disaster to defer a payment for the month of XXXX. XXXX informed me she would refer me to FEMA on that. XXXX also informs me I was not eligible for any defer of payment due to my eligibility is not until XXXX. I told her upon contract I was given XXXX opportunities to defer payment and don't know why I would not be eligible. XXXX also informs she need to get me over to collections. Why don't know for I am not pass due on any charges? During our conversation XXXX insisted on overtalking me on my concerns to give me Huntington protocols and policies. I then request to speak with supervisor, XXXX placed me on hold and call me a XXXX under her breath before transfer of the call. Received a supervisor on the line name XXXX and preceded to tell her my experience on the phone with XXXX. She apologizes for XXXX calling me a XXXX and preceded to tell me the name of the correct department that handle disaster. Upon awaiting the transfer, the call was dropped or termed, Frustrated with the process never call Huntington back
Product: Student loan

I have been a XXXX for 13 years now, and I have been counting on PSLF. I was absolutely lied to by loan servicers over the years about being on track for forgiveness. It is beyond disgusting that the federal government is not being accountable for consumers like me who were deliberately lied to about all my years of payments. How can congress sit by and do nothing?!?!?
Product: Mortgage

received a notice that our payment was going up {$400.00} in may. When we called on XX/XX/XXXX ( we had our wedding planned, so didn't do anything until XXXX ) we were told that they did not pay our home owners for XXXX. When we investigated this they said they paid out the remaining escrow account and applied the difference we were continuing to pay to the principle, and not escrow acct. When we asked why we were not notified they stated we sent a letter. Now they state that our payment is going up as they have done a new assessment that includes home owners, and they need to refill the escrow acct. They states that they did not pay the home owners for XXXX because it was in husbands name only, and mortgage is in my name. We asked for a payment history so we could verify that the payments we sent were received and that they had put payment in the incorrect spot.This was verified by their payment history. we also saw that they did pay the home owners for last year, even thought they said they did not, and they didn't place the correct amount of money in the escrow acct for the year. Now they are saying we need to pay the difference since they misapplied the payments.They are also sending back our payments stating that we have not paid they appropriate amount, even though our payment history is equivalent with our mortgage paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint about the data breach. You onto the Equifax website, and get the run around. You call them, and speak with someone who can barely speak XXXX, but says their in Oregon. They tell you that you can not use an IPhone, but it has the mobile app. You are messing with people 's lives.
Product: Debt collection

Navient has repeatedly called me asking for payments. I understand I have to pay back my student loans. However everytime they call I explain this to them and they tell me i can qualify for {$0.00} for the year. When I fill out the forms it says my wife has to sign and when she logs into her FSA account there are no forms for her to sign. They use threatening language when speaking to me. Threatening me by saying my credit will be harmed by my lack of action, they tell me that my wages will be garnished. The things I have experienced with Navient are very unprofessional.
Product: Checking or savings account

Product purchased and returned using my Citizen Banks debit card. Bank claiming merchant ( XXXX ) did not send refund. Went back to XXXX today even though I had a receipt of refund and was told sent to bank and only bank can clarify. Called bank early this morning. Sent to merchant. Called bank again after talking with merchant and bank insisting they do not have my deposit. Asking for details of original purchase and amount of that transaction and the amount of the refund. Stating they must file a claim can take up to two weeks and I will be notified by mail if they are able to find my money. This is second time they have done this. Many others complain online about exact same problem. I may or may not get my money back. Totally unacceptable. Other refunds to debit cards are automatic these days and XXXX assured me it should have been. Asking questions about what the purchase was and did I really return the product? Why did I return it? Like I was making this up. Unbelievable.
Product: Credit card or prepaid card

Two transactions were allowed to debit my account without authorization. I have filed a dispute. The card holder agreement states that provisional credit is to be provided within 10 business days. The date they have set for update is more than a month from the filing date which is a clear violation of their own terms and conditions. They're not protecting me as my financial institution. Please assist. I am also attaching their terms and conditions to this complaint for reference.
Product: Mortgage

My mortgage insurance through XXXX was not renewed on XX/XX/year> for unknown reasons. My agent that worked with XXXX  was not longer in business and I never received notification that my insurance was not being renewed. It wasn't until M & T Bank notified me that I found out. I didn't receive notice from M & T until in XXXX. I immediately called M & T to see if this was true and what I could do. The rep said I had until XX/XX/XXXX to provide them with insurance coverage. I scrambled and obtain insurance as of XX/XX/XXXX. I thought I was in the clear until I got a notice that M & T not only purchased insurance on my behalf but somehow went back in time to start effective coverage ( something us consumers can't do ). Therefore there was a lapse of coverage for 2 months. M & T made it a point to purchase the most expensive policy they could find, enough coverage for a {>= $1,000,000} ( yes XXXX XXXX dollars ) home knowing my home isn't even worth XXXX. This comes out to {$5100.00} for 2 months of insurance coverage ( that's XXXX my mortgage ). Once they updated the escrow, it was an increase of $ XXXX ( nearly 50 % increase to my mortgage. I called multiple times, spoke with a manager and filed a dispute with no luck. I asked why didn't they call or email me, they said they don't do that. I was lied to and this is obviously an attempt to take advantage of honest hard working Americans. This is my first single family house which I saved up for XXXX  years for, I'm a single father to XXXX daughters with a single income and now in jeopardy of losing my home all because a lack of communication. M & T Bank has no code of ethics or principles and only looking to rip off consumers. I have paid all my payments in full and never filed a claim yet getting treating with no respect. I strongly urge everyone to never do business with M & T Bank and plan to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call Wells Fargo like I did and get the facts correctly. Wells Fargo already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.
Product: Debt collection

I am writing to formally request a copy of the 1099-C form for the charged-off debt associated with my account, as required by the Internal Revenue Service ( IRS ) regulations. Despite multiple previous requests, I have yet to receive this crucial documentation from your agency.

Additionally, I am deeply concerned about the continuous communication I receive from your agency regarding the settlement of this debt, despite it being charged off and reflected as such on my credit report. These persistent calls, which occur multiple times a week, not only cause undue stress but also seem to contradict the status of the debt as reported on my credit report.

It is important to note that I have requested the 1099-C form on numerous occasions, and each time I have been informed that it will only be provided upon payment of the outstanding debt. However, it is my understanding that the debt has been charged off, indicating that the creditor has deemed it uncollectible. As such, I am puzzled by your agency 's insistence on payment before providing the required IRS documentation. 

Per IRS regulations, creditors are obligated to provide debtors with a 1099-C form when a debt has been canceled, discharged, or forgiven, and the amount forgiven exceeds {$600.00} in a calendar year. This form is crucial for accurately reporting income to the IRS and fulfilling tax obligations. 

Therefore, I request that your agency promptly provide me with a copy of the 1099-C form detailing the canceled debt, as required by law.

Furthermore, I reiterate my request for your agency to cease all communication regarding the settlement of this debt, as it is charged off and reflected as such on my credit report. Continuing to contact me to settle a debt that has been charged off may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Failure to provide the requested documentation and comply with the cease communication request may result in legal action to enforce my rights under the FDCPA and other applicable laws. 

I expect your prompt attention to this matter and request that you provide me with the 1099-C form within [ specify a reasonable timeframe, such as 30 days ] from the date of this letter. Please acknowledge receipt of this request and provide confirmation once the requested documentation has been provided. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I found out my account was frozen and going to be closed. I call CITI banks customer service and was denied access to any information regarding my account and the freeze. I went into two different branches and both declined my request to withdrawal my funds and refused to disclose the reason for the freeze. They told me Id have to wait up to 60days for my funds to be returned to me via mail. I did absolutely nothing wrong and only made my normal monthly deposits. Research has showed me theyve done this to multiple people. I feel it should be illegal to withhold my entire hard earned money from me for up to two months I need it to live
Product: Credit reporting or other personal consumer reports

I filed an FTC complaint ; the FTC Report Number is : XXXX I do not authorize incorrect information on my credit report. This includes but is not limited to hard inquiries. The hard inquiries that are appearing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I have XXXX personal accounts with Chase bank. Some fraudster opened XXXX business accounts under my name in Chase Branches ( XXXX accounts in XXXX and XXXX In XXXX without my consent and knowledge using fake identification. None of my government issued ids have been stolen, which includes SSN, Driver license and Passport. The fraudster linked business accounts with my personal accounts in XXXX Branch and they can view my personal account activities every day. However, I can't view fraudster 's business accounts, so I have no knowledge even those business accounts exist under my name. On XXXX. XXXX2024 the fraudster made XXXX unauthorized wire transfer from my chase account to an cryptocurrency company ( XXXX XXXX XXXX aka XXXX XXXX  via XXXX XXXX  XXXX which I had no personal or business relationship with. XXXX is in the amount of XXXX and another XXXX  is in the amount of XXXX. There is another {$100.00} ACH Credit Card Payment to a Bank which I have no relationship with, Chase was able to reversed that payment instantly. I called the Chase bank many times, Chase kept denying the wire transfer fraud until a XXXX consumer report interviewed us and escalated the case the executive branch. Chase recognized that those are unauthorized wire transfer and just say they are working on it. Chase won't reveal any information how the fraudster is able to open XXXX business accounts under my name using fake id. I am absolutely horrified. This would happen to everyone banking with Chase.This kind of practice is in totally violation of Dodd-Frank Wall Street Reform and Consumer Protection Act. My Personal Chase account number is XXXX. Please feel free to contact me for further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency is reporting the collection account XXXX on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything
Product: Debt collection

Capital one debt collector called me multiple times XXXX XXXX2019 on the same morning at XXXX XXXX. I have a voicemail from them that I saved. I tried calling the number back and it does not accept incoming calls. I answered it the third time they called again at XXXX XXXX and they hung up on me. 

This is unacceptable! XXXX XXXX for a missed payment. 

Thanks!