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

I am completely dissatisfied with this company called Exeter Finance , XXXX, XXXX, & XXXX XXXX XXXX. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, Exeter Finance, XXXX not XXXX XXXX XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX. 
Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed information with equifax and although the accounts are not mine they continue to report the information stating they have investigated and verified accounts that I know are not mine I have disputed every month for 1 year starting XX/XX/XXXX until now.XX/XX/XXXX
Product: Debt collection

I received a call on XXXX/XXXX/XXXX at XXXX eastern from Phoenix Financial Services saying I owe money to a hospital from XXXX XXXX ( it is XXXX XXXX ). I was told the debt is over {$400.00} because " your insurance does n't cover it. '' He may or may not have given me an exact amount. The rep kept talking over me. 

I tried multiple times to ask him for some specific information as ( 1 ) I have not received anything in the mail from Phoenix Financial Services, nor recall receiving a hospital bill ; ( 2 ) the rep did n't identify the hospital, only a medical billing service ( XXXX? ) ; ( 3 ) I do n't know if this is supposed to be for me, my wife, or son ; and ( 4 ) I did n't ( and still do n't ) recall a hospital visit. I tried telling him that I 'm not going to pay something, especially over the phone, that I have no idea what it is being collected and this is the first time, I believe, that I am being notified. 

The rep was more interested in offering me " a huge discount '' but I " had to pay now ''. After asking at least 3-4 times for more information, I asked for a debt verification. The rep got angry and loud, called me a " pro at avoiding your debts '' and threatened to " report it and affect your credit. '' With that I hung up as I was not going to bullied.
Product: Checking or savings account

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

Upon receiving this so called debt I reached out to the cfpb for assistance unbeknownst of this debt along with my information attached to resolve. It has me very nervous now because my information is attached to this company trying to collect a debt I have no knoedge about and was exonerated with a decision in my favor..that being noted I am seeking XXXX in compensation for my stress and also without my permission obtaining my information. I requested a forward flow agreement/debt consignment lettters.
Product: Credit reporting or other personal consumer reports

This is very frustrating, there's a lot of errors being reported on my credit. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score. These errors are causing ongoing stress and hindering my ability to get approved for new credit.
Product: Credit card or prepaid card

Charges made on XX/XX/2018 in the amounts of {$1400.00} and {$1400.00} initiated by XXXX. Transactions were marked as fraud as XX/XX/2018 followed by a call to Capital One to request a new card and discuss further actions. Charges were pending until XX/XX/2018 when they were posted to account. Another call was made to Capital One and was told charges should be taken off the account in 72 hours. The amount of credit will be frozen on credit line for up to 90 days as Capital One  investigates. 
XXXX is not a company I had heard of prior to this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this account XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PENNYMAC LOAN SERVICES Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Mortgage

I 'm currently in a repayment agreement with Midland Mortgage, when my home 's roof and ceiling suffered storm damage form XXXX. I was told by a representative of Midland to make the necessary repairs and the loan payment would be taken out of the insurance check. I was behind approximately 15 days because I make repair to my home to make it safe and livable. Midland received a check in the amount of {$6200.00} but Midland loss mitigation employee, XXXX, refused to apply any payments and cancelled my repayment plan and submitted my loan for foreclosure. When I spoke with XXXX, he had a very insensitive negative attitude. Considering the circumstances, his actions were very nasty!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

The company XXXX XXXX ( XXXX at XXXX XXXX ) has an account on my credit file that is 7 years old that has been sold to multiple companies removed and placed back on my file.
Product: Debt collection

Commonwealth Financial Systems filed a collections against me with the 3 credit bureau companies for XXXX XXXX XXXX XXXX XXXX stating I did not pay them. I spoke to Commonwealth and they agreed that is was not my debt and they will remove the debt against me and report it back to the 3 credit bureaus to clear my credit.
Product: Vehicle loan or lease

This is a formal request for an investigation of this account. There is a possibility that this information may be inaccurate.
Product: Checking or savings account

Customer Service Misleading Info Citizen Bank XXXX MA / Customer Service Misleading Info XXXX XXXX XXXX XXXX I recently opened a bank account and I am awaiting to deposit my retro lump sum in my account. However a one time {$7.00} overdraft is costing me hundreds of dollar now to oay bank. 
I was told when I opened this account there is a one time fee of {$35.00}. per month. 
My accouny is charged {$35.00}. every three days. How can I pay this when I am being charged all these overdraft fees???? 
I am pending my XXXX and I have no income. I am trying every week to deposit funds but the overdrafts is excessive. 
PLEASE CONTACT ME BEFORE I GO TO, XXXX, FDIC, FEDS AND CONGRESS. I am  kindly reaching out firstly for assistance. 
Thank You. 
XXXX XXXX
Product: Mortgage

Selene finance / XXXX XXXX  XXXX The above company is a 2nd/junior lein on my property. The cheated us all the way no documentation has been sent to us regarding foreclosure, when i called they said its not their job to notify. It happened in XXXX Arizona where state still have a moratorium till XX/XX/XXXX. These people dont care looks like they all break law when they have to beat the poor.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Bank of America saying " Welcome to Online Banking. '' I do not have an account with BoA and never signed up for one. I called BoA 's fraud department that day and learned that an application was in process in my name using an old address from 10 years ago. I was transferred to the Application Department, which said they didn't see an account using my name or social security number ( conflicting with the fraud department ). They then transferred me to the credit application department, which also said they did not see any applications in process. 

On XX/XX/XXXX I received emails saying that my application was approved and an account was now open. The account type is the " Bank of America Advantage SafeBalance Banking. '' I called the fraud line again and they said they closed the account ( though I have not received confirmation yet that it is in fact closed ). I also received an email on XX/XX/XXXX stating another application was in process. The fraud department again said I need to speak to the Applications Department, which is closed today, in order to cancel the application. 

BoA allowed a checking account to be open using an old address. My identity was not verified using a physical form of ID to open the account, nor was my current address used. They were not effective at cancelling the application when I called the first time, causing the account to be opened. Now another application is in process, yet the department I need to call is closed today. These are unsafe business practices and I believe the bank needs to raise the bar to open an account. I have seen several other descriptions on forums of this same thing happening to others where the same account type " Advantage SafeBalance '' was fraudulently opened using an old mailing address.
Product: Debt collection

I went through a debt consolidation program in the year XXXX. Barclays Bank was one of the credit cards and they agreed to a reduced amount to pay off the debt to them for the credit card debt. I did not hear anything from them for over XXXX years. No attempt to contact me was ever made as my phone number is still the same and they have my updated address. I was still summoned to court for this debt on XX/XX/XXXX and if I had not shown, a automatic decision for the full amout would have been awarded to them and I would be forced to pay them off again for a debt that they already agreed to an amount and received payment for. Despite a letter from Barclays showing the agreed to price and payment, the lawyer and judge only deferred the court date until XX/XX/XXXX forcing me to now miss work XXXX times for a debt paid over XXXX years ago and allowing for an unknown circumstance ( something keeping me from showing up to court ) allowing the company to use our court system to force me to pay a debt XXXX times.
Product: Debt collection

My wife received a Court summons in XXXX County Tennessee. The summons was delivered by a XXXX County Sheriff Deputy today, XX/XX/2019. The summons was stabled to several documents. A Copy of A litigation letter from professional, XXXX XXXX, for Discover Products Inc. ; representing Discover Bank was notarized by a XXXX XXXX In Ohio. Attached to this letter is a printed copy of a report from U.S. Department of Defense ; Manpower Data Center is signed by XXXX XXXX, Director of Manpower Data Center. 

My wife isnt XXXX XXXX, and she has never worked for a government agency, and especially not The Department of Defense. 

The letter written by XXXX XXXX states that Discover Products Inc is granted access to Department of Defense record keeping computer systems and regularly is allowed use of this record keeping system. 

XXXX County General Sessions Court Discover vs XXXX XXXX Court date is scheduled XXXX XXXX at XXXX. 

Why did Discover Bank contact the Director of Manpower? 
My wife is a civilian, so Why should Discover Bank contact DOD? 
Why did Discover Products Inc contact DOD? 
Why does Discover have regular approval for using the Manpower Database?
Product: Debt collection

I hope this message finds you well. I am writing to seek your assistance regarding a debt reported in my name by XXXX XXXX. The account lists me as the responsible party for medical debt incurred by my ex-husband, with a date of service in XXXX, despite our divorce in XXXX. 

I have contacted the collections department at XXXX to dispute this debt and requested its removal from my credit report. However, I was informed that the only resolution they would consider is for me to pay the debt, which I believe is unjust given my lack of legal obligation. 

They asserted that they do not make mistakes and insisted that I am responsible. I am concerned about how they obtained my information, as I should not be listed as a contact on his account. 

I would greatly appreciate your guidance on how to address this issue effectively and ensure my credit report accurately reflects my obligations. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX  ACCOUNT NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

P

lease provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

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

Why is there a fraud alert on my ssn? How can I get it permanently removed it is hindering me in my search to bigger things in life that will eventually cause me pain.
Product: Student loan

I keep calling Mohela about my PSLF but can not get through. Every time I call and they say they will give me a call back they never give me one. I am so confused about so many things and can not find any clarification on the website nor anyone I can email so I am forced to use the unreliable call service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to get accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Experian via certified mail asking them to provide their method of verification for the XXXX  XXXX Bankruptcy they are reporting on my credit report. They did not respond. I sent another letter via certified mail on XX/XX/XXXX reminding them of my attempts to get this matter reinvestigated. Because they would not respond timely, I filed a complaint with you ( Consumer Financial Protection Bureau ). Complaint # XXXX. You forwarded the complaint to Experian, they responded back by stating the summaries that they had indeed sent me on dates back in XXXX and more recently XX/XX/XXXX. There have been recent developments since XXXX which was my reason for asking that they provide their method for verification. On XX/XX/XXXX. I received a response from Experian stating they would not reinvestigate this item unless additional information to support my claim was provided. On XX/XX/XXXX, I sent yet another letter via certified mail and I provided the additional documentation to support my claim. I should not have to continue to go round and round with them when I have provided plenty of documentation to show that the information they continue to repeatedly say verified is not accurate because XXXX XXXX whom they say verified the information is not reporting it on my credit file.
Product: Credit card or prepaid card

I filed dispute ( CITI Bank DISPUTE # XXXX ) with CITI BANK issued Master Card ( MasterCard Case # XXXX ) for an Air  ticket/s   booking made via travel agent ( XXXX/XXXX  ) as the airline cancelled my flight due to COVID-19. 

I was qualified for a full-refund by the travel agent through which I booked the flight per the federal regulation issued by US DOT. The airline ( XXXX XXXX ) REFUNDED the FULL Amount to this Travel Agent ( XXXX/XXXX ) on XX/XX/2020. Yet, the CITI BANK refused to re-open my claim against this charge. 

Further, when merchant/travel agent ( XXXX/XXXX  ) has agreed to issue me a FULL REFUND but want an " Official Charge Back Withrawal '' regarding this transaction, the CITI Bank is NOT responding to various requests that I have made over a period of 1 month. It is critical that CITI Bank provides me with an official Charge Back Withdrawal Letter so I can be issued my refund by this merchant. I have made numerous atempts by phone & emails but CITI BANK is not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  Account # XXXX XXXX XXXX account # 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
Product: Debt collection

There is a collection account on my credit report showing on TRANSUNION, and XXXX. The collection is from XXXX XXXX XXXX reported on XXXX. I never received notification about this collection so I reached out to the company and asked for debt validation providing proof of a detailed list of a history of payments made my myself on this account, I also asked for a signature that I put on the contract guaranteeing that I pay this creditor, proof of the chain of title to collect on this debt. I havent received anything back from the company I need this collection removed immediately.