23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX Hours of Operation ( EST ) : XXXX to XXXX  Mon-Fri., XXXX to XXXX  Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX XXXX, Disputes Department, XXXX XXXX XXXX XXXX, VA XXXX   Disputes E-Mail address : PRA_Disputes@portfoliorecovery.com This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX XXXX costing me a job. While serving in the XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX Merchant : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX XXXX Current Balance Due : {$900.00} by paying www.PRApay.com or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018 this harassment has cost me several {$25000.00} to {$170000.00} XXXX XXXX, XXXX XXXX, XXXX XXXX it caused the lost of a relationship and XXXX children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out training in the desserts, of XXXX, XXXX, XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
Product: Debt collection

company officers are showing up at my door step as early as XXXX and as late as XXXX at night. This hunt and henriques debt collector is out of control on XX/XX/2023 at XXXX person Name XXXX XXXX yells at my door that he want {$1200.00} in cash that i owe a debt to him, but when I ask to see the signed agreement He starts to kick the front door. I have the neighbors as witnesses. I told the fellow that not to bother me. The same guy Name XXXX XXXX shows up again on XX/XX/2023 at XXXX demanding that i must pay him {$1200.00} dollars that I'm also a winner of a cruise and to collect the prize i must pay him {$1200.00} dollars. he claims he works at hunt and henriques out of XXXX XXXX XXXX. I'm very afraid to answer the door. I am a XXXX XXXX Please help me. I feel I'm taken advantage by demanding that I pay for something that has nothing to do with me...
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts/ activity on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started this process back in XXXX of XXXX when I noticed my accounts were being flagged with bankruptcies. I pulled a credit report and found a bankruptcy on my report. I disputed the bankruptcy with Experian. They came back XX/XX/XXXX and said it was verified by a third party vendor named XXXX but that if I believed they were incorrect then I needed to reach out to XXXX. I disputed with XXXX back in XX/XX/XXXX and also requested for the description of procedure used to verify the bankruptcy. XXXX came back and reported that they could not verify the bankruptcy. They mailed me out the confirmation letters dated XX/XX/XXXX, proving that they would delete the bankruptcy information from their consumer report. So I then disputed the bankruptcy again using certified mail on XX/XX/XXXX with Experian. XX/XX/XXXX Experian sent me an email stating that it was verified and kept it on my credit report. When I found out about the verification I followed up with Experian via phone on XX/XX/XXXX at XXXX about the bankruptcy dispute. The first agent told me that the bankruptcy was verified but they could not tell me who verified it. Then I got transferred to a supervisor who stated that they couldnt give out the information but that the courts verified the bankruptcy and all they had was a phone number. I told the supervisor that I had received a letter from the courthouse 's clerks office stating that they don't give out any information to third parties and that they are unaware how third parties receive their information. So I ended the phone call by telling the supervisor that they would be receiving another certified letter, requesting a description of procedures and verification used. I sent a description of procedures letter in the first week of XXXX and just recently as of XX/XX/XXXX, Experian stated that the information was verified but never stated who verified, never gave any addresses, names or phone numbers. So I called them XX/XX/XXXX to try to understand why, and why I haven't received the description of the of the procedure used to investigate, who they talked to. They told me they aren't required to give that information out. I mailed all my disputes and letters certified mail. I also reached out to the courthouse because one of there agents told me that the courthouse gave them the information. The courthouse responds to me via mail, stating they don't give information to third parties. I sent the courthouse and XXXX letters to the Experian as evidence especially since I have a copy of dispute results from XX/XX/XXXX stating that they used XXXX to obtain the information.
Product: Consumer Loan

The M & T Bank sent me a letter offering a pre-approved personal loan up to $ XXXX which I did not reply, later it sent me an email with the same offer and again I did not reply, then the Bank gave me a phone call with the same offer and I accepted based on the offer declaring that it was to be based on no collateral and that it was to be for my own personal expenses with a very easy criteria. As it declares for using the money like this = " ... or simply be prepared for the unexpected. '' Then after I met the criteria including a XXXX credit score, and this Bank refuses my request of a small loan for {$2000.00}. ( the lowest available amount ) based on this reason, quote = " Ineligible Purpose For Loan Request. '' If I had wanted to buy an old used car for $ XXXX then I would have got a car loan, and if I wanted to buy a product then I would have used my M & T Credit Card which has a {$2500.00}. limit, but the offer was for a " personal loan '' and the Bank refuses the loan when I am doing exactly as their pre-approved offer asked of me. As such the Bank lied to me from the beginning through till the end as the loan rejection is a lie too because I met the criteria in full. I can not say if this breaks a Banking law but it was a breach of contract with myself, because the Bank broke its own words, broke its agreement to me.
Product: Prepaid card

Bought XXXX XXXX Vanilla gift cards from XXXX XXXX, IL XXXX XX/XX/year> XXXX {$200.00}, XXXX {$100.00}. The XXXX {$200.00} ones were declined at store, called XXXX # they said they will issue XXXX ones. 
We have yet gotten anything, I have called several times and getting the run around. 
Ive saw reviews, see this is happening to alot of folks! 
Im nervous to use the {$100.00} for my niece XXXX present! 
Ive filed a local police report but they cant do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my debt validation letter dated XX/XX/XXXX to Credit Corp Solutions INC they are not complying with the law 12 CFR Part 1006.42 which requires them to send required disclosures with their response. Their only response to me was a " Response to Dispute '' letter dated XX/XX/XXXX ( ATTACHED ) In my Debt Validation letter dated XX/XX/XXXX ( ATTACHED # 1 ) I requested for Credit Corp Solutions LLC to abide by the law and send the required disclosures.

I'm asking Credit Corp Solutions INC to abide by the law.
Product: Mortgage

We received a payoff amount in XXXX. I sold my property and closed escrow XX/XX/XXXX. The Money Source ( TMS ) was paid off a few days after XX/XX/XXXX. PRIOR to the payoff, TMS auto debited me {$1600.00} XXXX for XXXX 's payment. This was an error since I paid the property off and no XXXX payment was due. TMS sent me a check for the refund on my escrow account for taxes and insurance, however, has not sent me the {$1600.00} extra payment. I was told I should have received the {$1600.00} by XXXX. It is now XX/XX/XXXX and I called and asked where the payment is. They had no idea what I was talking about and had to open up another case and said they would get back to me no later than XX/XX/XXXX. So it went from receiving my payment no later than XXXX, to they will let me know the most current status no later than XX/XX/XXXX. This company has been holding onto my funds for 6 weeks now and last I called they knew nothing about it.
Product: Credit card or prepaid card

I received several notices of deposit accounts opened in my name with Bank of America, even after calling their fraud department to report and putting a block on the 3 Credit Bureaus concerned with Identity Theft. I continued to get accounts opened under my name. After filing a complaint, they would just send me an email on how to protect myself from Identity Theft. Bank of America is the only bank that had open accounts under my name that I did not authorize.
Product: Checking or savings account

I never authorized peacock account or never use this service Huntington bank authorized without my knowledge authorized my payment peacocks llc {$5.00} cents and charges with handle XXXX. This complaint about fraud and 100 % fraud against XXXX  with XXXX and Huntington bank fail to watch scam transactions Both are responsible to this I need refund and strictly laws apply for against XXXX  scam and XXXX.
Product: Debt collection

Frequent and harrasing calls throughout the day on a daily basis. I gave already informed the company to cease their harrasing tactics.
Product: Checking or savings account

I realized a card was stolen from me ... my savings account atm card when I recieved a insufficient funds email... I offered to call the police the bank told me not to that they would handle... well they refused because the person who stole my atm card knew my pin number. I believe it was my granddaughter whom I was residing with because I'm XXXX XXXX XXXX and need help physically... they stole my life savings out of my account over a 5 month period this card and only been used a few times. The bank never contacted me about suspicious activity on a card that not used regular but I personally went. To XXXX and they shut my card for suspicious activity when trying to purchase XXXX worth of merchandise .... now in 5 months almost XXXX dollars was removed from my savings account but Noone thought this was suspicious... all I want is to file charges on the person who took my money and I want my money back thay was fdic insured ... the bank is wells fargo and they r rude won't work with law enforcement and I honestly just feel like I was done wrong in this hole situation. My life has been turned upside down because someone stole from me. Thank you
Product: Credit reporting or other personal consumer reports

XXXX bank, XXXX XXXX, XXXX Bank, Bank XXXX XXXX, XXXX card, XXXX Bank XXXX, XXXX FIN SVCS/FIDELITY, XXXX XXXX XXXX XXXX XXXX XXXX and Regional Acceptance has taken several hard inquires out on all 3 of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all 3 of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of 2023 to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times
Product: Checking or savings account

I am writing to express my disappointment and frustration with the recent decision to close my personal checking account and credit card without providing reasons. As a small business owner with multiple ventures, I deposit cash into my personal account on a monthly basis. Specifically, I own many rental properties in which the tenants paid in cash. While I understand the bank 's concerns, I believe there are extenuating circumstances that warrant a reevaluation of this decision. 

I would like to provide proof and sources for the transactions in question, which will demonstrate the legitimate nature of my business activities. I am willing to work with your team to identify and reason the transactions, and explore alternative solutions that meet the bank 's requirements. 

I find the " decision is final and non-appealable '' stance unfair to individuals and small business owners like myself, who rely on your banking services to operate our businesses. I hope we can work together to find a resolution that takes into account the unique needs of small businesses and individuals. 

Please consider my appeal and contact me to discuss this matter further. I appreciate your attention to this matter and look forward to your response. 

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

I called Navient to inquire about late payments that were reported on my credit report as 90 days late in XX/XX/XXXX. It seemed off considering after I'd gone through a detailed record of my loan history ( from my Navient account ) and notice that I'd requested and was approved for a forbearance early in the fall of XXXX. While explaining this to the Navient representative, she looked at my account on her end, she could not explain nor support the reasoning as to why I was reported 90 days late on several loans that were in forbearance. I disputed this information with proof from documents obtain from the credit bureaus as well as documents obtain from Navient itself. Navient has fail to respond in a timely manner with a viable explanation and solution, while time continues to pass with incorrect information that continues to adversely hurt my credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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

1 outbound transaction from our account was paid twice, at exactly the same time, to the minute. On XX/XX/22 at XXXX our bank account paid our mortgage {$2200.00}, but did so twice. It was a duplicate transaction. Upon calling and discussing with a USBank rep, they acknowledged that that should not have happened, and yet, periodically does so. The exact matching time of both transactions was a giveaway of a bank error. Had the amount of the transaction been less, she alerted us that she could've fixed it with us while on the phone. Instead, we were guided to the appropriate form to file for a duplicate transaction and subsequently filed it. 

As of this morning, we have received a response letter from an investigative outfit within US Bank. It alerts us that they are unable to remedy the situation since we " authorized the transaction. '' Note that it does not acknowledge plural " transactions '' in that comment nor does it do so through out the rest of the letter. In fact, where the pertinent transactions are listed, only one is itemized. 

Ultimately, having paid our mortgage a month early is not that critical of an issue. But the seeming poor faith and/or banking incompetence here by this FDIC banking outfit is alarming. How many times do they duplicate a transaction and not remedy? What if this have been 10 of the same transaction and the bank simply claimed that they were unable to remedy. If/when they are alerted to a duplication, how often do they fail to actually investigate the array of transactions and instead focus only on 1. The Bank 's response seems woefully problematic, if not entirely inept.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXX and XXXX XXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act.

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist.

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am getting alerts from the bank app telling me my account balance is {$400.00} when it is {$29.00} this has been happening for years and I feel it's BOA 's way of trying to get customers to overdraw their accounts.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, AND XXXX, all have inaccuracies on my credit report. They have unmailable addresses on my report some of the places I've never stayed. They are reporting late payments on my credit report and it, reporting credit card utilization, reporting inquiries and have XXXX party debt collections on my report and they are certificates of indebtedness and considered income and you can't report income on a credit report. They've shared my information and identity without my consent.and they are furning negative items on my credit report. I have not given permission to do any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Consumer Number : XXXX Case Number : XXXX For LexisNexis/Consumer FinanceXXXX XXXX 
RE : Request to Block Unauthorized Collection Accounts, Incorrect Addresses, PII and Inquiries from Credit Report under FCRA 605B CONF # XXXX I n reviewing the updated report supplied by LexisNexis, there are still in accurate entries that the database is still reporting under my name : These include incorrect addresses, social security number, telephone number and email addresses. These fraudulent entries were established using my personal Identification without my authorization. The information listed below, which appears on my LexisNexis report, do not belong to me. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 

Identification Records : Record : XXXX and XXXX Social Security Number : XXXX Incorrect. Needs to be Removed Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX XXXX Incorrect. Needs to be Removed Address Characteristic Record : Record : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXX Incorrect. Needs to be Removed Inquiry Records : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Never Applied. Needs to be Blocked and Removed Immediately! 

Personal Information : Phone Number : XXXX Incorrect. Needs to be Removed Email Address : XXXX Incorrect. Needs to be Removed I have continuously been in contact via the CFPB. Investigations have been continuously, with no communication in regards to the removal and blockage of the disputed information. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is involved in a multi state settlement that I was apart of and it is still reporting on my credit reports.
Product: Debt collection

Enhanced Recovery Company has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.
Product: Credit card

Midland Funding is currently reporting XXXX collection accounts to all XXXX credit reporting agencies. This is not my account. The accounts ( XXXX, and XXXX ) that were sold to Midland Funding are not my accounts. 

The XXXX and XXXX accounts were reported fraudulent/stolen and I was told they were closed when I originally discovered them. For some reason they were reopened and sold to Midland. I was never made aware of it. 
Midland has never sent me a letter advising me of the debt ( which would be disputed because they are n't mine ), nor have they called.
Product: Debt collection

I would like to submit a complaint against ( Afni Inc ) regarding unknown account ( s ) ( XXXX  ) in the amount of {$670.00} reporting on my credit report ( s ). ( Afni Inc ) reported and placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Afni Inc ) never provided me with notice nor did ( Afni Inc ) mail me any letters or communicate with me in any manner regarding this alleged account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). On or about XX/XX/2018 I mailed ( Afni Inc ) a certified, registered and tracked letter via the United Stated Postal Services requesting debt validation of the account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). ( Afni Inc ) has not responded but continues to report the unvalidated and unverified unknown account ( s ) on my credit report ( s ). The reporting of the erroneous account ( s ) /entries on my credit report ( s ) by ( Afni Inc ) are detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX and XXXX.