23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I obtain a loan with One Main Financial. Its been a horrible process. They approved me with a larger amount and 2 hours before I come in to sign they change it to a lower amount. I was desperate and took the loan, trying to pay but having other financial issues due to the lies of the help desperate people to trying to get a loan, I filed a complaint with the executive office i was getting a response and then they ghosted me I am getting multiple calls sometimes 4 times a day like today and 12 in week this week along with multiple text messages I have told them over a week ago that they have called me now 10 times in the last 4 days I said i would be in the Wednesday of last week and to stop contacting me wasn't even a 2 hours and getting another call they respond and say ok we will make a note and they still call
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was deleted then put back on my credit report proof enclosed once deleted you are not allowed to put back on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or the list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My CD was opened on XX/XX/XXXX, and I call my Webster bank to cancel do not renew my CD On XX/XX/XXXX. 
The amount includes interest is {$15000.00} Account # XXXX. 
After go through a lot of questions and procedures the did not refund my deposit funds. 
On XX/XX/XXXX I have called and spoke with supervisor and she promised will ACH funds to my original bank account the next day. 
As of today XX/XX/XXXX l have not received any funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX  on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt.

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.
Product: Debt collection

I contacted the company XX/XX/23 and they informed me they served papers to my house XX/XX/23 and now things were going to court. I have never been served and the physical description they gave was NOT me. They said female with brown hair, XXXX and XXXX lbs but I am heavier than that at XXXX lb. I also have a doorbell camera and can prove they did not serve me papers that day or any other day. I had no idea they filed anything with the court or tried to serve me papers.
Product: Debt collection

Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account number for XXXX XXXX XXXX ( Account # : XXXX ) has incorrect late payment records. The XXXX credit bureaus have reported different past due statuses for the same account and the same time period. This discrepancy in reporting is causing confusion and inaccuracies in my credit report
Product: Credit reporting or other personal consumer reports

At the beginning of XXXX I filed a dispute for XXXX XXXX with exsperian due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also crediter did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy
Product: Student loan

This account was sent to Navient. I am the co-signer, the loan is for my granddaughter. 
I have had nothing but trouble with them. 
I followed all their terms but they do not respond and will not provide me with the information and paperwork associated with this account. 
I have contacted my state Senator XXXX XXXX and he provided this contact for me. 
I am totally exasperated with this company. 
I have been dealing with them for several years with no success. 
I would appreciate your help.
Product: Debt collection

Has made repeated calls to personal cell phone at XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XXXX and XXXX. These are all calls from XXXX. They are also calling from XXXX and XXXX. The person they are attempting to contact is not myself. I have repeatedly asked them to remove my number from their contact list with them agreeing to do so and still receiving calls.
Product: Debt collection

I am writing to dispute the accuracy of the information on my credit report, specifically regarding a collection account that is listed under my name. According to my credit report, I owe LVNV FUNDING LLC the amount of {$710.00}. However, I possess a letter from XXXX XXXX dated XX/XX/XXXX, which clearly indicates that the debt in question is owned by Resurgent Acquisitions, LLC. This discrepancy raises serious concerns regarding the validity and accuracy of the collection account. 

Under the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) in 2003, it is my right as a consumer to have accurate and verifiable information reported on my credit file. Section 611 of the FCRA, codified at 15 U.S.C. 1681i, establishes the procedures for disputing inaccurate or incomplete information. 

I kindly request that you conduct a thorough investigation into the reported collection account and take the following actions : Validation of the Account : Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV FUNDING LLC provide me with written validation of this debt, including details of the original creditor, the nature and amount of the alleged debt, and any relevant documentation supporting their claim. This validation must be provided to me within 30 days of your receipt of this letter, as mandated by the FDCPA. 

Compliance with Reporting Standards : If LVNV FUNDING LLC fails to provide the requested validation within the specified timeframe, I request that you remove the collection account from my credit report entirely. Under the FCRA, it is imperative that credit bureaus only report accurate and verifiable information. Given the conflicting information between my credit report and the letter from XXXX XXXX, I believe it is necessary to remove this collection entry until its validity can be properly established. 

Proof of Ownership : As indicated by the letter from XXXX XXXXXXXX, the debt in question is allegedly owned by Resurgent Acquisitions, LLC. I request that you contact LVNV FUNDING LLC and Resurgent Acquisitions, LLC to verify the ownership of this debt. If LVNV FUNDING LLC is unable to substantiate their ownership claim or if Resurgent Acquisitions, LLC claims ownership, the collection account should be removed from my credit report in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Experian ) report wrong address and other information to the bureaus
Product: Mortgage

I had a very trying experience with Greentree and submitted a detailed complaint over a year ago ( # XXXX ). The company forced a flood policy on my account and charged me for it even though they had all the proof that my HOA held a flood policy. This forced policy made my payments erroneously inflated, which in turn made Greentree continue to call me for payments. I tried continuously for months to correct the problem and provided statements from my bank - who was making payments on my behalf. Finally, after the name change to Ditech, this company acknowledged their error and sent a refund along with a letter stating that late charges had been removed. I thought it was resolved until recently when I realized that they had reported me to the credit bureaus as a late payer! Now my stellar credit is ruined, and the score does not reflect the fact that I have always had an excellent score ( over XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am a victim of a data breach and identity theft. It is hard for me to continue financially due to this unfortunate situation. I am unable to purchase a home or a car. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents. ''
Product: Checking or savings account

On or around XX/XX/2022 bank of America literally closed my account down because a customer had submitted a check to me that had insufficient funds in his account. I don't know how in the world I'm supposed to know whether a customer of mine has enough funds in their bank account when they write me a check. This was the first and only check I ever had that I submitted with insufficient funds. They even closed my account without telling me or calling me or sending me an email. I even talked to someone in the fraud department and it was actually a gentleman who was doing everything he could to help me because he said himself he doesn't know why they would close my account and that this issue should have never been sent to the risk department. Then not too long after my account was closed approximately 5 days later they issued a temporary credit on my account for {$1600.00} which was supposed to be issued two weeks prior but the rep who took my dispute had entered the wrong coding. So now Bank of America is telling me I have to wait 45 days possibly before I can have access to my temporary credit when I should have had access to it weeks before if it had been entered into their system correctly. I mean it's pretty bad when one of their own employees even told me that my account should have never ever been closed. Every time I call they tell me something different and it's been like that with this bank for the last year. They are the most horrible Bank that I've dealt with in my XXXX years of existence and I hope someone can hold them accountable for their actions. 
I have a feeling that they purposely found or they looked for a reason to close my account even if it was an unjust reason so that I would not have access to my temporary credit. I don't know what other bank will close somebody's account down because they might be high risk because a customer wrote them a check for {$500.00} that had insufficient funds that doesn't even make sense and there was no risk about the check because they put a 7-Day hold on it and within three days they found out that the check had insufficient funds so I would have never had access to the {$500.00} anyways and they know that and when I call and talk to managers and the risk department they act like they're not even listening to me and one of them hung up on me after I had been on hold for an hour and a half. I am furious about all of this and I hope there's something that you guys can do to help me out or at least hold them accountable for their reckless actions because they really do whatever they want to do that's probably why they get sued every 3 months and then they do it out of court settlement because they know they're guilty I hate that thing I'm sorry but I hate that bank.
Product: Credit card or prepaid card

In XX/XX/2018 XXXX XXXX XXXX closed my account without telling me. I continued to make my monthly payments thur XXXX 2018 when I made my final payment of all my money that was charged before XX/XX/2018. Since then until even now I am being charged late fees on their interest over and over which are not my charges because my account is closed and I can't make new charges???? But they say I am being charged for no payment on charges I made, how? when it is closed? I would like this stopped now please or else. 
XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  of this United States of America.
Product: Credit card or prepaid card

I mailed a check for {$25000.00} from my bank to pay part of my Citibank Credit Card balance. I then noticed the {$25000.00} payment was applied twice to my credit card balance. Also, my credit card was locked by Citibank ( even though I had available credit ). I contacted Citibank regarding the issue. They told me I sent in XXXX checks for the same amount. I asked them to verify the checking account number ( which was indeed my checking account ). I asked for the check numbers and they would not give them to me until I talked to several different customer service reps. They finally told me that there were XXXX checks numbered XXXX. This seemed highly unlikely and I was concerned regarding some type of fraud, so I asked for images of these checks, but was told that was not possible. I contacted my back and placed a hold on XXXX checks ( for a cost of {$70.00} ). On XX/XX/XXXX, I spoke to a customer service rep who told me she sent an email to payment investigation team and they would be in touch with me in XXXX business days. Citibank sent me a generic email on XX/XX/XXXX stating they would get back to me after reviewing my account. By XX/XX/XXXX, I had not heard anything from Citibank regarding my account, so I contacted them. The customer service rep did not have any notes regarding the case on file, so I had to explain it all again. I was transferred to a Senior Account XXXX who told me I could request a refund of the {$21000.00} credit and would give me 0 % purchase rate on the card for 6 months so that I would not close my card. I again explained the situation to the Senior Account XXXX who agreed that having the XXXX checks with the same number from the same checking account was odd, but he would not provide a plan on how the case would be evaluated. I want Citibank to investigate why XXXX payments ( checks ) of {$25000.00} from the same checking account with checks of the same number were posted to my account. I want an explanation of their findings and what they plan to do in the future to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter, I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Checking or savings account

I opened a savings account many years ago with XXXX XXXX. That account was then transferred to Chase when they merged. At that time, when I was setting up my new accounts with Chase, I was told by the Chase rep that that was a great savings account because there weren't any fees or balance minimums to maintain it, so I should hold on to it.

I followed that advice from Chase, and held on to the account, believing there were no fees with it, as promised. I didn't check on it often, as I was really only holding money there to keep the account open as advised by Chase.

I was shocked when I happened to check in on the account recently and saw that Chase has been deducting {$5.00} from this account every month, for as long as I can see in the history. I was never informed that I would be charged these fees, and never received notification when any of the charges occurred.

Reviewing my previous statements, it looks like this fee has been charged every month since XX/XX/year>. Attached are screenshots showing I was not provided any notice that my account was changing or that this fee would be starting. 

I contacted Chase to have all of the fees reversed, as I was never informed that there would be fees starting, or if the account was changing in anyway. Chase responded by reversing a single {$5.00} charge. 

I contacted Chase again to clarify that this was on on-going issue, and that I would need all of the fees reversed, and to not be charged the fee going forward, as per the agreement when I opened the account. Chase responded by saying they are going to continue charging the fee, and would only reverse the single fee. They did not provide any proof of notification of the fee.
Product: Credit card or prepaid card

I've made timely payments every month, sometimes 4 times a month because the credit limit is so low + I like the reward points. Still, they seem to " randomly '' but conveniently select my account to verify the funds and if I'm the signer of the checking account to which funds are released. They continue to do this all while taking my money, but when I make more than two payments, it creates a red flag?! Give me extra credit then! They freeze my account, create issues with auto bills, and create embarrassment when shopping at stores because the card declines every they " randomly '' check that I'm the signer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX 16. Account Name : XXXXXXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
TRANS UNION XX/XX/XXXX TransUnion TRANS UNION XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion