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

Chime sent me an email XX/XX/2023 advising they identified unusual activity relating to your account ( s ). A hold has been placed on your account ( s ) until we can verify this activity.

I sent them all information they requested, SSN, Proof of address, driving licence front and back.

I called to determine status and they advised send an email, I sent emails daily and when calling they advised I did not provide correct information to allow them to assist, send more emails.
Product: Student loan

In   XXXX   XXXX   I was initially contacted  by USA Fun  ds and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a tempora ry postponement because I had just gained employment. Although this was the response given to the both th e AG 's office a nd CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year.   In   XXXX   XXXX   XXXX   I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the  XXXX  's office and CFPB because they were unwilling to work with me.     On  XX/XX/XXXX  I was notified that I would be allowed to have a wage garnishment hearing and on   XXXX   I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on   XXXX   sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : 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 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

Follow up of complaint XXXX, BOA sent me an email and asked me to call back to solve the issue. I called back XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX C : XXXX Nobody on the phone so I left message for my phone to ask the person to call back, but till now nobody called back. Most ridiculous is that I already told them that is the fraud account on XX/XX/22, however, BOA kept on sending me ad email about the fake account. 
I think the business just irresponsibly to fraud and identity theft even when the customer told them there was a fraud account being open. 

I attached those advertisements email for fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized ACC Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXX XXXX XXXX GA, XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXXE XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX CO Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$590.00} Open Date XX/XX/XXXX XXXX XXXX CO Balance {$550.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX CO Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX 2023
Product: Mortgage

I requested an analysis on   XXXX   of my escrow account since my property was new construction when I closed in   XXXX   XXXX  . Since the property was new construction my taxes were set up using the tax amount on the unimproved value and not the improved value. I was told account analysis would be done in   XXXX   since my account has been with the servicer for less than a year. However, I was told on  XX/XX/XXXX  I could request an out-of-cycle analysis. On   XXXX   I requested the analysis and was told I had to wait until   XXXX   for my account to have an escrow analysis done. What benefit is there to me to wait until  XXXX  for my account to be analyzed and find out my payment is being increased and there is a shortage in my escrow account?
Product: Checking or savings account

Bank of America provides different level of service to consumers who do not communicate by telephone. 

The attached email message from XXXX XXXX, Senior Resolution Specialist of Bank of America states that " I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. ". 

XXXX XXXX has not identified any reasons that they need to speak with me via the use of a telephone other than confirming that I am the one who submitted a complaint to CFPB. 

XXXX XXXX has not considered any other methods of communication that they could have use to confirm that the CFPB complaint was filed by me and they have not identified the reason why there is a need to confirm that the CFPB complaint was in fact filed by me. 

I accuse Bank of America of discriminatory practices against consumers who do not communicate via the use of a telephone. Specifically, Bank of America 's policies makes it harder for consumers who do not communicate by telephone to file complaints with CFPB.
Product: Student loan

I have a joint consolidated loan with my ex-husband with Mohela. Last I heard, the loan is in forbearance. I have not received a bill or a statement since the pandemic pause of student loan payments. I can not create an account or access an account with Mohela. I have received mixed messages saying my information doesn't match their records or that they are waiting for a transfer of an unrelated student loan ( which no longer exists because I paid it off before the transfer ). 

I can not contact their customer service online for help with my account because I have to be logged in to do so, yet I can't login. I can't call them because waiting times are too long ( hours and hours ). I have heard others say that Mohela isn't sending bills but claims their payments are overdue. 

I do not know how much I owe, if the payments are still in forbearance or overdue, or anything for that matter. I do not have any of the loan paperwork or the prommisory note. I have never had access because my ex-husband handled the account, and I can't ask him because he always says he doesn't know or doesn't want to discuss it. In the past, he has refused to pay the loan and damaged my credit. 

I have applied for joint loan separation with XXXX. I'm currently waiting on them to process everything. 

I am including screenshots of the login error messages I receive. These are the same error messages I have been seeing for the last 4 years.
Product: Debt or credit management

On today I called PNCs Customer Service # @ XXXX XXXX XXXX and they would not allow me to speak with a live customer. All it stated was leave a voicemail message and someone will call you back. I had spoken with an Executive Client Representative to whom appeared nervous and mumbling through his words and strangely gave me a hard time in verifying my account. These are nothing but harassment and retaliation tactics
Product: Mortgage

I have 2 Loans that have been recently bought out by Loancare. I have made a total of 4 payments thus far. For some reason on my most recent bills, the first two payments made are missing in the Transaction Activity. No one from loancare/XXXX XXXX can give me an answer - and the money was in fact deducted from my bank account. I was told by a customer service rep to reach out and attach my bank statements as proof of payment which I did and then to call back. I called back and they told me I might receive a call back in 3-5 days - but if I don't, to call in a week.. I need this sorted as we paid our payments well on time. I do not want any missing payments or late payments on my credit report. I also have the payment confirmation emails dated XX/XX/2019 for both loans if you need those sent over.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection opened under my name on XX/XX/XXXX. It is for an apartment complex that I have never lived in. I filed an Identity Theft Victim 's Complaint and Affidavit with a notary public on XX/XX/XXXX and sent it to the credit bureaus for investigation.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 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 CONVERGENT OUTSOURCING : XXXX XXXX XXXX XXXX XXXX XXXX Also I have attached the letter sent out. 
According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies.
Product: Money transfer, virtual currency, or money service

Zelle was added to my credit union All of a sudden without my permission, we used to be able to just do remember to member transfer and now it's forcing us to use zelle, which I've just learned is not necessarily very safe. 
I sent tips to massage people over zelle, and now I don't know whether or not it went to the right person because there was no real confirmation. There were not very many protections in place and zel was advertised as a safe way to transfer funds, but if there's any issue you can't get any funds back.
Product: Checking or savings account

Chime closed my account and named it fraudulent and refused to open the account and release my funds being held even when I sent the proper documents to verify my identity.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madame : My original mortgage loan with XXXX XXXX XXXX was transferred to a mortgage servicing company called XXXX. 

In 2017, my wife lost her job. At that time, I had made contact with XXXX XXXX XXXX to find out that they sold my mortgage and is now managed by XXXX. Eventually, I was able to make reach an individual with XXXX  and explained my family 's situation. At that time, the only help or abbreviation extended to me was a loan modification/refinance. And because I did not want to have any negative effect on my account, and for my family 's benefit, I accepted the offer and its terms. 

At the initial stages of this process, I had asked if it would have any negative effect on my account and credit, etc. I was told it would not. The loan modification/refinance took many months, and much longer than I would have imagined. However, it did get done and my mortgage payment was a bit smaller. It wasn't anything tremendous but it was helpful nonetheless. 

After it was all said and done, I checked my credit scores as I needed to get financing for my daughter 's college/student loan. Unfortunately, I found that this " process '' had a grave negative effect on my credit. Immediately, I contacted XXXX to question the scenario. To date, I have yet to receive much cooperation. I explained to them that at most, there might be a 30-day late pay but that it was actually their fault because they initiated an auto withdrawal from my bank account without my permission or knowledge. The transaction was not approved because I did not initiate it. And what did XXXX do? They marked the payment as a late pay. Please know that the payment was eventually made per my action/approval. However, it was very frustrating as XXXX had upside-downed my bank account and I had to wait for that to be corrected before I could take care of the payment. And, I was charged fees from my bank and XXXX. 

I would really appreciate some help with this correction as I am desperate to help my daughter with her college tuition. These stains with the three credit bureaus is absolutely having a negative impact for not just me but my entire family. 

Please feel free to call me with any questions, etc. 

Thank you very much for your time and assistance! 

Kind Regards, XXXX XXXX XXXX
Product: Debt collection

Equifax and XXXX XXXX XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX, which Equifax reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

Equifax reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.
Product: Credit reporting or other personal consumer reports

Transition has yet to Delete the collection of XXXX XXXX XXXX services as the letter states
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00} andXXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. Please remove this as soon as feasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Transunion provide me with information about the company that is saying I owe them. They told me that the company verify that I owe this debt. I asked them to provide my signature or identification number since most department stores have to provide this information. They told me that I need to contact the company. I also asked them how did they verify that this item belongs to me. I have spoken to a live agent and explained to them that I have been in their system since 1993 which I was only 13. I told also told them that my file was mixed with someone else could they add my middle name to prevent this from occurring. I have sent several letters requesting the have 30 days reply I just received a letter saying it was verified