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

We made a deposit of 26 checks to my savings account on XX/XX/2023 in the amount of {$22000.00}. This deposit was done at a teller window and the teller gave us a receipt for the same. When the bank processed this deposit of 26 checks I received a listing within my account activity of a chargeback of 25 of these 26 checks charging back as a debit of {$21000.00}. On XX/XX/2023, we went to the bank and the manager who had handled this deposit said that they had misplaced 25 of the checks. Then the manager looked and stated that she had found these missing 25 checks and that they would provide a credit for the error amount of this {$21000.00}. 

Still no credit or any of our money and no further explanation by the bank. 

I have attached to this complaint a copy of the receipt and a copy of the activity within my account
Product: Mortgage

In XX/XX/XXXX Hurricane Irma came through Florida. We had a 30ft tall oak tree fall on our house. It was XXXX to have it removed. Insurance wouldn't cover it. We did a 90 Day mortgage forbearance with FBC Mortgage so we could pay to have the tree removed. In XX/XX/XXXX, I called several times and spent hours on hold only to be told someone from the loss mitigation would call me back. It was XX/XX/XXXX before I could get a hold of someone who would actually talk to me. We talked about options for that 3 months of payments and started the Loan Modification process. I received a Letter from FBC stating that they had received my information and it was sent to the underwriters and I would have a decision 30 days from XX/XX/XXXX. It is now XX/XX/XXXX. I call them every week to find out what's going on. All I ever get is it is still with the underwriters and that's all they can tell me. We are way past the 30 day mark, by months. In XX/XX/XXXX they made me resubmit all of my paperwork because the batch I sent over in XX/XX/XXXX had expired. I resumed my normal payments every month, by having to call them because they suspended my online and automated payments. But in the time they have been stalling, they have been reporting me late to the credit bureaus and charging me late fees on the 3 months that is supposed to be modified back into the loan that they were supposed to complete months ago. If they had completed it, there would be no late anything. I am being penalized because they are stalling and I don't know why. I did everything they asked and followed all of their rules. No one will tell me what ; s going on. They are ruining my credit and I don't know if they are going to take away my house. I can't find anyone from FBC to help or give me actual answers. I don't know what to do. I need someone to help me. All I can get from them is that my account is in underwriting where it has been since XX/XX/XXXX and that there is no one there I can be transferred to that can help me. They give me the run around every time and avoid giving me any information. Making payments is hit or miss. Some of the people who answer will take a payment and others tell me to wait until the modification is complete. I just keep calling back until someone takes a payment but I shouldn't have to do that. I shouldn't be treated this way. I have attached the documents I have received. After the letter in XX/XX/XXXX I have received no further paperwork regarding the modification, only many many upset phone calls I have made.
Product: Debt collection

XXXX XXXX XXXX. Abusive collection tacticsin the email that was sent me he stated XXXX XXXX vs. XXXX implying there was a lawsuit against me. He stated that he was going to send the debt to my credit report and hung up on me. He was very verbally abusive and argumentative. 
XXXX. I requested validation of the debt. When I asked if he could send the official notice he immediately refused. Failure to send collection notice that gives me the right to dispute the debt. 
XXXX. Claimed he sent a letter in XXXX, that letter actually came from XXXX and I responded with payment. 
XXXX. Multiple emails with multiple balances, payments paid, but initially claimed a payment wasnt. Claiming there were more overpayments when that was not communicated by the original creditor. 
XXXX. Demanded payment today without any notice or proof the debt existed.
Product: Debt collection

Today is XX/XX/XXXX and I am responding to communication from Midland Credit Management XXXX XXXX. Per response from this company, she stated that a notice was sent to me on XX/XX/XXXX to my address but attached a letter that was not from Midland. Please provide me with proof of this letter that was sent that I NEVER received.

Please be advised I have requested validation { not verification } of an item reported to you by the above original XXXX XXXX, I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 

I am proceeding with legal action as prescribed by law against Midland Credit Management Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, and Transunion ) credit report and I noticed some late payments on there. 

XXXX XXXX : XXXX XXXX Account XXXX : XXXX Your company is in clear violation of the law.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give your company written permission to furnish these late payments on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of this year the Chase private banker XXXX XXXX XXXX placed a call for me to Chase mortgage on which she participated. The call was to confirm whether Chase had POAs for me. On receiving my social security number, Chase identified two unknown mortgages at Chase, one of which is to my current home with a mailing address to a former home.A Company which I employed in XXXX is also on the mortgage but that company was not employed by me in XXXX, the last time I lived in my former address. I phoned Chase multiple times post this conversation to send me documents. Chase representatives found the same logs but did not give me more information and said they needed the request to go to archives. I wrote archives. which Chase phone representatives confirmed as researching. I followed up with additional phone calls but I never received any documents or even a letter acknowledging my document request. I asked a lawyer to write for me. The letter was sent XXXX XXXX and Chase has not answered or acknowledged his letter either. I want the documents and information on the mortgages. There are no assignment letters showing any mortgages going to Chase.
Product: Student loan

XXXX managing XXXX student loan XXXX reported delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This loan is in deferment as student is back in school fulltime and has been in deferment since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

Refer to case number- XXXX. I submitted a claim to Transunion fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX Bank. This item has not been removed despite my demand. It is XXXX reponsibility to report fair and accurate information and you have failed. Because of this inaccuracy, I have suffered from XXXX and XXXX XXXX XXXX as well as it has destoyed my reputation. Please remove these accounts from my credit report or I will have to proceed with further litigations.
Product: Credit card

This is related to my efforts to close my Citibank Visa account. I previously reported that the company will not close my account because they claim they are not able to verify me online. They refused to provide an alternative method to close the account ( e.g. by signed written request sent by post ). Now I find that the company has increased my credit limit " as requested ''. I made no such request. Moreover, since they have locked my account and have refused to close it because of their claimed inability to verify me, it would seem impossible for me to make such a request.

I suspect that this is an abusive retaliation from Citibank Visa 's fraud department for being a " difficult customer. '' Increasing my credit lmiit is potentially damaging to my credit score and therefore harms me materially. This appears to me to be a violation of 12 U.S.C. 5531 ( d ) since it takes " unreasonable advantage '' of my " inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. XXXX are negligent and non compliant.
Product: Credit reporting or other personal consumer reports

Please remove/delete the following address from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please UPDATE my address to the following address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following phone # from my credit report : XXXX Please update my phone number to the following XXXX
Product: Student loan

I've been paying student loans to Navient regularly for years. In XXXX I moved some money to a new savings account and updated my Auto Pay to the new account. Never in this process was I given any indication there were any issues. 

Today ( XX/XX/XXXX ) I noticed I had more funds than expected in that Savings account so I checked Navient and saw I was 'delinquent ' on the XXXX payment. When I went to the Auto Pay tab, there was no indication of what might have happened. My Savings account was still listed ( along with my the previous account which would have been able to accept the payment had they a 'backup account ' system, as many online payment systems have these days ). 

I called Navient and, after they read out my personal information ( address, name, phone number ) in a way that is in clear violation of security best practices, they told me that they tried to charge the new account, but my bank refused the charge. Turns out that I had used the account number system for the Savings account ( I used the Checking account structure vs. the Savings account one, which I didn't realize was a thing ). 

Navient 's response to the refused charge was to drop me from Auto Pay and send me an email with the subject " New document ready to view! ". Inside the email there is a big box saying : " Tax season is almost here. Starting XX/XX/XXXX, you can access your Form XXXX by visiting the new Navient.com ''. I assumed this was a tax email and ignored it. 

Now, I'm sure they aren't breaking any laws here, but the way the site is set up, and the way they deal with denied payments seems to be designed to make people fail. 
Why don't they verify that your account information is correct before letting you select them as the Auto Pay destination? 
Why don't they allow users to set backup accounts in case the primary fails? 
Why don't they title their VERY important e-mails with a more descriptive subject that communicates the urgency? 
Why don't they label or highlight the denied account in the Auto Pay section, rather than still list it as being selected for Auto Pay? 

There were so many ways for them to prevent my loans from going delinquent. 

Navient wants borrowers to fail. The Federal Government must partner with an institution that has a public mission, not a for profit company with a duty to it's shareholders to maximize profit at the expense of student borrowers.
Product: Credit reporting or other personal consumer reports

Dispute Regarding XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2024 XXXX XXXX XXXX Account # : XXXX Dear Equifax, I am writing to dispute a tradeline on my Equifax consumer report associated with XXXX XXXX XXXX. This letter serves to formally request the removal of this inaccurate information from my report, citing several consumer protection laws. 

Grounds for Dispute : Limited Disclosure of Consumer Reports ( 15 U.S.C. 1681b ( 1 ) & ( 2 ) ) : The Fair Credit Reporting Act ( FCRA ) strictly regulates the circumstances under which consumer reporting agencies, like Equifax, can furnish consumer reports. According to 15 U.S.C. 1681b ( 1 ) & ( 2 ), you can only disclose such reports under limited conditions, including when a court orders it or with the consumer 's written instructions. In this case, I have not provided any written consent for the disclosure of this tradeline. 

Aggravated Identity Theft ( 18 U.S.C. 1028a ) : The presence of this unauthorized tradeline on my report suggests the potential misuse of my personal information. Disclosin such information without my consent may constitute a violation of 18 U.S.C. 1028a, which prohibits aggravated identity theft.

Right to Opt-Out ( 15 U.S.C. 6802 ) : The Gramm-Leach-Bliley Act ( GLBA ) safeguards consumers ' nonpublic personal information held by financial institutions. Accordng to 15 U.S.C. 6802, financial institutions can not share such information with non-affiliated third parties without first offering the consumer the opportunity to opt-out. Since I did not authorize the disclosure, this may be a violation of GLBA. 

Request for Action : Based on the aforementioned laws, I demand the immediate removal of the XXXX XXXX XXXX XXXX from my Equifax consumer report. I request written confirmation of this action and any updated copies of my consumer report reflecting this change. 

Additional Information : I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge Equifax to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX  My Attorney : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NJ
Product: Mortgage

My husband XXXX XXXX and I, XXXX XXXX are writing to report Mortgage Fraud. 

It was confirmed this year 2021, that we are/and for years have been victims of mortgage fraud ; because a bogus loan was created and sent to us by XXXX XXXX , and even though we did not agree with it or sign it, or return the paperwork after it came in the mail. 

Still, it was put into effect without our knowledge or permission. Our signatures were somehow applied, and this transaction was later presented to us, under the guise of a change in servicer, and transfer of a loan that, to our knowledge, we were already, actively making payments on. So now instead, we have been paying on a fraudulent loan for years. Our timeline is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit report Goodwill Finance is reporting that I was 60 days late on my vehicle back in XX/XX/XXXX and again 60 days late in XX/XX/XXXX in which that was the month I paid the loan off ( not even close to loan being up on my van ) due to being threatened by the Manager of the Goodwill Finance. I was late for payment dueXX/XX/XXXX and was 30 days late XX/XX/XXXX, then paid off XX/XX/XXXX. This is 34 days late, not 60 .... In which i have all the documents providing to me the payment history is is clear they are in violation of the FCRA Regulations for payment reporting. As a result of this company tampering with my credit I have now lost the opportunity to close on my home in which i have XXXX children and have to find an alternative option for housing until the issue is resolved.
Product: Credit card

I looked on my credit report and I saw that there are ( XXXX ) accounts from Synchrony financial. XXXX account from Ashley furniture and XXXX account from XXXX. I only opened XXXX account and that was with Ashley furniture. I called Synchrony bank and asked them to remove the account and they said that they would but it is still showing up on my credit report.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I paid off my Synchrony CareCredit credit card balance in full on XX/XX/XXXX, in the amount of {$6800.00}. On XX/XX/XXXX, Synchrony issued a new statement in the amount of {$94.00}. When I called to inquire about this new balance after a pay off in full, Synchrony stated to me via telephone that this balance was from interest accrued from XXXX XXXX XXXX, XXXX. No new charges have been made on the credit card since XX/XX/XXXX, in the amount of {$290.00}. All new transactions have deferred interest for XXXX months per the terms of the CareCredit card. I was told today that I can not overpay to avoid interest accruing prior to XX/XX/XXXX, due date and that it is impossible to ever fully pay off this credit card since no overpayments are authorized.