23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Huntington  stopped allowing me access to my bank account because it was in the process of being closed due to an overdrawn balance. I could n't log in, gain access to online banking information, or even access my account number to make a deposit to bring the account current. I received no notification of this happening. No letter, no phone call, no email.     On Friday,  XXXX   XXXX , my employer sent a paycheck via direct deposit that was greater than the overdrawn balance. I contacted Huntington on  XXXX   XXXX , and they let me know the account was still NOT closed, just in the process of being closed, and that they would hold on to the additional funds for an undisclosed amount of time until they felt like sending the balance back to me via check. No one could tell me how long it would take or when the check would be processed.     It is alarming to me that I would not be allowed access to view details about an account that is technically still open, and that no one could tell me when the additional funds would be sent to me. I was told that they could hold the funds as long as they deemed necessary.
Product: Debt collection

In the year of XXXX  I was stationed in XXXX XXXX, Ca. At the time I was living at XXXX XXXX in XXXX XXXX, Ca. I received orders to transfer which caused me to break my list. There are military orders that were given to the complex and they said they would honor them and break my list to no cost to me. When I got moved, I received a letter stating that I owed them over {$9000.00} for my lease. I called and told them that i gave them my orders as well as the federal orders that lets servicemen and women the ability to break their leases when given new orders. They declined them and told me I had to pay the entire amount or half of the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency, Early Warning Services and XXXX XXXX is reporting inaccurate, outdated, or invalidated information on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX
Product: Student loan

On XX/XX/XXXX my loans were transferred from nelnet to XXXX. Later in XXXX of XXXX I requested from nelnet a full refund of payments made during the COVID payment pause. In XXXX of XXXX nelnet told me I needed to contact XXXX for the refund, since they were now my servicer. I did so and did, indeed, request the refund of {$7400.00}. After a good deal of back and forth mostly over the phone, I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX. A few weeks later I was informed that the refund was being issued. However, when I finally saw the amount, I saw that they were only issuing me part of the {$7400.00} I had requested and was owed. 

That partial total was {$3800.00}, leaving a balance of {$3500.00}. After trying to follow up via phone, on XX/XX/XXXX I filed another complaint with the Consumer Financial Protection Bureau. After waiting another handful of weeks. I received their response : " XXXX has reviewed your complaint made with the Consumer Financial Protection Bureau ( CFPB ) regarding the processing of your request for a refund of payments made within the Covid-19 administrative forbearance period. Our records indicate that all refunds of payments made within the Covid-19 administrative forbearance have been processed for loans serviced by XXXX, and that a check in the amount of {$3800.00} dated XX/XX/XXXX was issued on or shortly after this date via mail from the U.S. Department of Treasury . Per information reported to the National Student Loan Data System ( NSLDS ), additional payments were applied within the Covid-19 administrative forbearance to an Direct Unsubsidized Stafford loan disbursed XX/XX/XXXX, which reflects as paid in full as of XX/XX/XXXX. This loan is currently serviced by Nelnet. Please note that XXXX is only able to provide a refund of payments made to loans serviced by XXXX. To discuss your eligibility for a refund of a payment applied to this paid in full loan, please contact its servicer, Nelnet. If you did not receive these funds, or if you have any other questions or concerns, please don't hesitate to contact a member of our Customer Advocacy Team at XXXX from XXXX to XXXX Mondays, XXXX to XXXX Tuesdays and Wednesdays, or XXXX to XXXX Thursdays and Fridays, Central Standard Time. You can also visit XXXX. Sincerely, XXXX '' I have followed up multiple times with Nelnet. Nelnet points me to XXXX. I have direct correspondence with XXXX 's Ombudsman team now, as well. They send me the same message, that I need to talk with Nelnet. No one wants to help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 a customer of mine paid me for products that he received then went behind my back to dispute the charge so that he could get the money back without me knowing that he filled a dispute with his bank. I reached out to the customer and he claims he has no recognition of him filling a dispute. I reached out to cash app to see what I could do and they advised that since he disputed the charge with his bank, cash app had to give the money back. So now Im out of money and products over a false dispute which isnt fair on my end.
Product: Credit card or prepaid card

I have nine credit cards with various stores that are backed by synchrony bank. I contacted synchrony bank and was told all of my accounts with them had been closed. I have no notification of my accounts being closed previously from them or anything in writing. I was told that this was taking place automatically by their computer system across-the-board due to either late payments, credit worthiness, or due to my mortgage.I responded back to the customer service rep stating my credit score is over 700. do have other cards however have less than 13 % utilization debt to ratio, no late payments on any card I have. I just refinanced my home due to the interest rates dropping going from an FHA to a conventional, however did not any money out and only refinanced what I owed. The current amounts that I owe on their cards are very little if any amount at all. The customer service reps justification does not match my credit file, my credit worthiness or my credit score. Buy them doing this this will make my credit score drop and impact me tremendously. I feel this is incorrect and they need to be investigated. They can really ruin someones life who had good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$81.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I cancelled the extended warranty onXX/XX/XXXX and was expecting to get a refund ofXX/XX/, this what XXXX said at the dealership. I called back a month later and she said that the check was sent to Ally. I called Ally and they said that they received the check on XXXX for the amount of XXXX i asked them for the monies and the lady said that we keep the check. So, I called back when I paid the loan off and a lady said, she wouldn't have to give me anything, I explained that this was illegal and she said make a your call to whom ever I needed to, but that the monies were applied to my account. When I asked her to show me where it applied to my account, because what I showed it was never applied to my account. This is when I contacted the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1400.00} Balance updated XX/XX/year> Original balance {$1400.00} Account info Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXXXXXX XXXX  {$15000.00} Needs Attention Overview You have 100 % left to pay on this real estate loan. 
Balance $ 15043 Monthly payment Opened Term Highest Balance {$1600.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$7400.00} Balance updateXXXX XXXX XXXX XXXXXX/XX/year> Original balance {$7200.00} Account info Account number XXXX  Date opened XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX, and noticed that some things are incorrect 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. These accounts XXXX XXXX XXXX XXXX & XXXX ) are not complete and accurate And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consulting any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. states I have the right to privacy.

These addresses do not belong on my credit report. 

Four addresses do not belong on my credit report. 

One social security number does not belong on my credit report. 

My name is spelled incorrectly 5 different ways on the credit report but should only be spelled one way.
Product: Debt collection

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employers : XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX of XXXX, Oregon leased a New 2019 XXXX XXXX to me. Using very stressful and high pressure tactics that included holding my registration for hours refusing to return it to me so I could leave. Eventually offered me a deal to pay off the last 2 payments of my current car lease through XXXX ( XXXX ) as well as pay for my disposition fee that I would pay on return of my XXXX to the dealership. The Disposition fee was added to my XXXX payments over time. They said they were sending the payoff to XXXX and I wouldn't have to worry about it because it would be taken care of. It has been a month and the money never got sent and I am now double paying for cars and still stuck with my XXXX. I have taken time off of work to talk to management and they said it was being taken care of already. Called, emailed and chatted and no one had taken initiative to fix the problem. I am now out about {$900.00} and double paying for the disposition fee with XXXX. I just wanted the company to follow through with what was promised.
Product: Debt collection

I received a notification on my credit report from Sequium Asset Solutions indicating that I owed a debt of {$670.00}. This came as a surprise since I have not opened or used a XXXX XXXX account, nor have I received any services from them. 
Details of the Fraudulent Activity : XXXX. Unauthorized Account Opening : o I did not authorize the opening of any account with XXXX XXXX. 
o There was no consent given for any services or plans under my name. 
XXXX. No Services Rendered : o I have never utilized any mobile services from XXXX XXXX. 
o XXXX XXXX cards, devices, or service agreements have been received or signed by me. 
XXXX. Billing and Statements : o The statements I received list charges for services that I did not use. 
o There are charges for data, calls, and messages that do not correspond with my usage patterns. 
XXXX. Contact with XXXX XXXX : o I have contacted XXXX XXXX 's customer service multiple times to resolve this issue. 
o Despite providing evidence and stating that I did not open the account, the company insists that the debt is valid. 
5. Credit Impact : o This fraudulent debt has negatively impacted my credit score. 
o I have been subjected to stress and inconvenience due to collection calls and letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 2 bank accounts that I NEVER AUTHORIZE FOR THIS ACCOUNT TO BE OPEN I informed them that this is not my account i also ask for a debt validation because this was open up online and the information is not accurate also equifax XXXX XXXX XXXX have names that are not mine XXXX XXXX XXXX XXXX IS MY ONLY NAME AND THE REST I ASK TO TAKE OFF I NEED YOU GUYS TO DO YOU WORK YOU GUES WAS JUST SUED I WANT THIS XXXX OFF MY FILE 15USC 1692G DEBT COLLETORS HAVE MUST VALIDATE DEBT I HAVNT RECIEVED ANYTHING BEcause they dont know the address and i have proof XXXX XXXX is a very old adress i havent use that over 25 years i want this debt removed UCC 3-501 I have the right to demand original proof and i have they cant provide me where i sign my signature this was open fraudulent and trying to make me pay again I will have both CfPb investigated if you going off they validate because i never received anything look at my credit file i also told you guys i was a victim identiy theft i also have phone converstion where i found out about this and called them trying to tell them it was fraud I WANT OFF I NEED MORE OF AND INVESTIGATION ON I WILL WRITE CONGRESS AGAIN ON THE LACK OF WORK YOU DOONG
Product: Debt collection

On XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) was mailed a letter requesting validation of a deb they had sent me notice of. 
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XXXX XXXX and received XXXX XXXX XXXX. 
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). 

XXXX XXXX failed to provide any validation. 

XXXX XXXX proceeded with further collection activity as evidenced by their correspondence of XXXX XXXX XXXX demanding full payment of the {$990.00} they claimed to be owed. 

Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, XXXX XXXX proceeded to demand payment in full without providing any validation as requested and required. 

By proceeding with collection activity and demanding payment, XXXX XXXX did violate the FDCPA and XXXX XXXX did violate the XXXX XXXX Consent Order which XXXX XXXX voluntarily entered into with CFPB. 


On XXXX XXXX, XXXX XXXX did author correspondence to me, providing me copies of THREE billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. 

On XXXX XXXX, IN A SEPARATE WRITTEN COMMUNICATION, XXXX XXXX also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. 

BOTH letters DATED XXXX XXXX were received XXXX XXXX. 

ONE DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XXXX XXXX XXXX. 

It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XXXX XXXX would not have been received by the alleged debtor as of XXXX XXXX. 

In that XXXX XXXX has elected to respond and act as if I am 100 % To Blame for all of the failures of XXXX XXXX .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against XXXX XXXX and any other party who may contact me or attempt to collect this debt based on XXXX failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. 

This matter has been turned over to my legal counsel. Any and all information and communications provided to XXXX XXXX will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt Dear Jefferson Capital System, I am writing in response to your recent communication regarding an alleged debt. As I am currently unaware of this particular debt, I would like to request validation in accordance with 15 USC 1692g, which requires you to provide specific information about the debt. 

Please send me written verification of the debt, including the following : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that confirms I can dispute the validity of the debt within thirty days of receipt of your notice. 
4. A verification or copy of the judgment against me, if applicable.

5. The name and address of the original creditor, if different from the current creditor. 
Additionally, if you believe you provided me with proper notification, please send me a certified receipt with my name and signature. 

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct 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 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,
Product: Debt collection

Company keeps calling and threatening to give me bad credit and lawsuits could be pending.