23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

After the death of my father, I went with my mother to her local branch of BB & T located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The purpose of this XXXX XXXX, 2016 visit was to remove my father 's name from their safety deposit box and add mine. We dealt with XXXX XXXX, Branch Manager, and XXXX XXXX, Branch Banker. The latter was XXXX who worked with us on the paperwork. On XXXX XXXX, 2016, I received an alert that a hard pull had been done on my credit. I complained to BB & T that 1 ) they did not have a legitimate business purpose for accessing my credit information and 2 ) that I wanted them to remove the credit inquiry. I received a call on XXXX XXXX, 2016 from a representative from BB & T bank. This rep stated that they did have a legitimate business purpose. She did not cite the specific part of the FCRA to which she referred, but did mention that BB & T was required by law to check to make sure I did n't have any fraud claims against me, etc. if I was to be named on a safety deposit box ( XXXX can only assume " required by law to consider an applicant 's financial responsibility or status '' XXXX although I fail to understand how it applies ). I then said to her that the check was then complete and the legitimate business purpose had ended. She replied that they had an interest in selling me further services at the bank. I told her that I did not want any services from BB & T and that its " interest '' was unfounded. She said she would put me on a " do not call '' list. I then asked why, if this is such standard practice, I was not notified upon signing the paperwork to add my name to the safety deposit box that I would be subject to a hard credit pull, which would affect my credit score. She replied that there is a " huge '' sign " three times larger '' than any name plate on every associate 's desk making this clear. I can assure you that no such sign was present nor was I cautioned as to the credit pull. I will also mention that it was not until I started this complaint process with BB & T that I was also informed that, by adding my name, I was in fact a co-owner of the box and financially responsible for it. At the time, we and XXXX XXXX seemed to be on the same page that I was simply being granted access to the box -- not a co-owner of it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX  XXXX which resulted in serious complications from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. This account has been paid. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for XXXX years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for XXXX hours a day '' I responded no I take XXXX or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.
Product: Checking or savings account

I continue to request XXXX and XXXX. Navy Federal continue to give me a confirmation and number because the funds are there and then retired return the request for insufficient funds and charging me overdraft fee I don't think this affair because when I when I initially requested this this draft out of my account the funds were there when I did that transaction. I am told because I didn't use my debit card. I was given a confirmation number on both XXXX AND XXXX The funds should be reserved so that I don't mistakenly assume that funds are available.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Credit Management LP to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. 

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. 

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Credit Management LP for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of XXXX XXXX XXXX XXXX communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between XXXX XXXX XXXX XXXX and the original creditor. I am also requesting proof that they are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a XXXX Letter to XXXX via XXXX asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an XXXX letter to try to resolve the matter. Equifax did not do their due diligence in correcting matter. XXXX  intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX  account is old and requires removal from my credit report. I have made over XXXX disputes in reference to this matter. To no avail Equifax verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Equifax stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. the Equifax report numbers are XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

Equifax 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
Product: Mortgage

Truist bought my loan as a transfer of service deal. My loan originated with escrow for taxes and insurance. Years later, Truist informed me that my escrow did not collect for insurance escrow, causing a significant shortage in my account. This is confusing, as the seller-provided Truist with a fully escrowed loan. Truist later canceled my insurance escrow without my permission or request, and then blamed me for the situation. 

Despite speaking to the insurance internal Truist escrow department and another truist representative listening in, it was confirmed that the original loan was indeed transferred with tax and insurance escrow. The repeated contradictions and blaming have left me perplexed and needing a clear resolution and Truist has taken ownership in the situation. 

I want to know when my insurance escrow was canceled, by whom, and why? 

Since the truist escrow insurance department confirmed that my escrow was collected. I'd like to know where that money is and why it was not applied to my account. 

All of these things mentioned have caused me harm. 

These events are violations of XXXX XXXX around the servicing transfers and escrow management practices. 

It is terrible to blame the seller of the serving rights. Also, tell me it's my fault when XXXX XXXX places all the burden on the buyer of the servicing to ensure accuracy. Why am I in this situation with you?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion under section 1681s-3. By federal law should not be sending misinformation about my credit utilization and late payments should not be on my be on my consumer report
Product: Credit reporting or other personal consumer reports

" Experian is reporting a bankruptcy on my credit report, but they have not directly verified it with the bankruptcy court. Per the FCRA, if they can not obtain verification directly from the source, it must be deleted. I request immediate removal. ''
Product: Debt collection

On Saturday XX/XX/2024, I was notified by Synchrony via U.S. Mail that a recent request for credit through Paypal was denied ( See, Reference Letter Number XXXX ) because of a previous delinquent account with Paypal. I informed them that that I never had a Paypal or Synchrony account. I was then transferred multiple times and given multiple telephone numbers to talk to someone in their fraud department. The fraud department transferred me the recovery department. The recovery department transferred back to another fraud department. The representative I spoke to regarding this issue indicated that there isn't an account associated with me and the number I called wasn't related to Synchrony ( XXXX ), yet I have a letter with a reference number as stated XXXX, and I have evidence from Synchrony recovery department ( XXXX ) indicated there is an account associated with my name and Social Security number ending in XXXX. Therefore, the erroneous and inaccurate information is due to identify theft that I proved to the Credit Bureaus and Collection Agency representing Synchrony Bank. Thus, this inaccurate information is detrimental to my personal consumer credit profile and should be stricken from their files.
Product: Payday loan

I took a loan from XXXX XXXX XXXX based on an offer that came in the mail. I did this in a hurry and signed online electronically agreeing to make payments by automatic with drawl from my checking account in the amount of {$220.00} per paycheck every XXXX weeks. I was granted a {$900.00} loan and have had XXXX payments of XXXX dollars and see I still owe {$1100.00} on the loan. the interest rate is XXXX %. I feel charging this amount of interest should be illegal as I feel I was taken advantage of. However I singed electronically and the form that came in the mail states they are protected by independent regulatory body of the XXXX.
Product: Debt collection

Received an email requesting I settle a debt which is not mine. The email is attached. A simple internet search indicated this is a scam, XXXX others have experienced similar requests.
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX Final Rule. 

ACCOUNTS : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting an inaccurate charged off account on my consumer report which has highly affected me from getting a home loan. I'm aware of the recent coding issue with this credit reporting agency as well as the Equifax data breach. According to the Fair Credit Reporting Act all information on a consumer report must be 100 % accurate or else it must be deleted. I want the inaccurate charged off account deleted. It is no way they have verified this account as accurate. How did they verify and who did they talk to according to the Fair Credit Reporting Act? I am holding the credit reporting agency accountable in resolving the issue immediately.
Product: Student loan

Following up on the previous application that still is pending for XX/XX/XXXX today is the XXXX I've talked to fascia at the telephone number XXXX and the XXXX none of them can help me keep referring me back to mohela which is the one that refers me to them I've been dealing with this since XX/XX/XXXX. Neither XXXX XXXX nor mohela want to correct this but XXXX said that I received all the information on XX/XX/XXXX and approved and afford it to XXXX on XX/XX/XXXX XXXX  acts like they have not received anything and then I got a notice last week that my payment is due but the letter was from mohela not XXXX and on my credit report on XXXX I've just got XXXX XXXX XXXX for a certain amount then XXXX I have XXXX  and mohela each a certain amount
Product: Credit card or prepaid card

In XX/XX/2021 I signed up for a promotional offer on Southwest Airlines website whereby if I applied for a Chase XXXX XXXX and was approved and if I also spent {$12000.00} within a 12 month period, I would be awarded a XXXX rewards miles on Southwest Airlines. 

The card was approved and I have spent in excess of {$20000.00} over the past 8 months. Chase Bank is now telling me that they do not have a record of such an offer. I did not keep a copy of the original promotional offer. ( There is a similar promotional offer today from the same XXXX companies : XXXX miles if the card applicant spends {$5000.00} ). 

I have been able to find the attached XXXX article that talks about the XXXX miles offer from Southwest/Chase that expires on XX/XX/2021. 

I now feel cheated by Chase Bank. What is my recourse? 

Thank you, XXXX XXXX
Product: Debt collection

THE AUTO WAS REPOSSED ABOUT 8 YEARS AGO, STILL IN MY CREDIT REPORT. THEY REFUSE TO TAKE ACTIONS AND REMOVE THIS FROM MY CREDIT HISTORY.
Product: Checking or savings account

Citizens bank has delayed the fund transferred via XXXX to my account at Citizens. The transfer fund via XXXX between registered recipients normally take several minutes ; however, at Citizens ' bank, it takes three days to deposit into my account. when I asked Citizens to explain the delay, it told me that I didn't register with XXXX. The explanation didn't make sense since I couldn't have been able to transfer via XXXX if I hadn't registered with it. Then, Citizens bank told me that I didn't have a debit card and that was the reason to cause delayed deposit. So, I requested a debit card. Now, with the debit card, Citizens still delays funds to deposit into my account. 

Citizens didn't address the question or fix the issue after my most recent request.
Product: Student loan

On XX/XX/2019, my Federal student loan ( serviced by Navient ) was paid off in the amount of {$91000.00}. I received an email from Navient on XX/XX/2019 congratulating me about paying off my loan and the posting of this payment. Additionally, on XX/XX/2019, I received another email from Navient congratulating me for paying off my loan. Subsequently, my loans were reported as paid, closed/never late to the credit reporting agencies. 

However, on XX/XX/2019, I received an email from Navient including a monthly statement, requesting a {$240.00} payment. That same day, I called Navient to inquire about this email and was told that Navient made a mistake back in XXXX when calculating my interest payments, though they never contacted me. She told me not to worry about this email, as my loan is paid off, but she sent a request to an investigation department with Navient to address this. Additionally, on XX/XX/2019 I received another payment request email from Navient, with the same due date as the email the day before, but with a new amount of {$60.00}.
Product: Student loan

My original which I got about XXXX years ago was {$XXXX} while I was in school, was paying $ XXXX  monthly and it brought down the amount to about XXXX. I graduated XXXX of XXXX. I got letter from Firstmark Services that my loan is XXXX which is an incorrect amount. i asked the customer service to send me the original loan amount and she refused to it send me saying she is not allow to send me the information. Told the information is incorrect and i was disputed the amount and was told that I cant do that either and there is nothing i can do but pay whatever amount in the document. They just bought the loan and have added almost XXXX on on it.
Product: Mortgage

Received our Annual Escrow Account Disclosure statement from our loan servicer, Lakeview Loan Servicing , LLC on XX/XX/XXXX. After reviewing it we came to find that they grossly misjudged the projections for our school taxes for XXXX. They projected our school taxes would be {$120.00} when actually it was {$2600.00}. They were increasing our monthly payment to collect the escrow shortage of {$2700.00}. 

I called our loan servicer, Lakeview Loan Servicer ( XXXX ), on XX/XX/XXXX to try and make the escrow shortage payment in full. When I called their was an automated message stating the company has been hacked and they have no access to our personal information. When I finally spoke to a representative she had no idea when customers would be notified of the hack and could not access our loan. 

Since XX/XX/XXXX I have not received any official notice from the company that their has been a data breach. There is no way to access our loan online to make payments, and no one answers the phone. 

On XX/XX/XXXX at XXXX I received an email from Lakeview Loan Servicing XXXX they had created a new website that was able to be used for customers to make payments, and they stated we would need to reenter our bank information. This website was only accessible by clinking then link in the email. We have no way to tell if this website is real or part of the attack. I tried calling them at their number XXXX and it goes to an automatic answering service that asks for your last 4 SSN to verify you. When input the call is automatically ended. When I Called back it then asked for either my loan number or full SSN to verify my account. After I entered in my loan number it said my loan could not be found. There is no way to speak to a real representative. There is no way to pay our mortgage or to know if our personal confidential information has been leaked.