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

I was in a very uncomfortable situation on XX/XX/2023 and was vulnerable with sharing my personal information with Regional Manager in Central Florida ( XXXX XXXX ) and his assistant XXXXXXXX were slow to respond and disrespectful after I was about a situation in XXXX. I'm not sure if he actually spoke with the Fraud department at Truist and he informed he would do his best to help. This was the supposed claim number XXXX XXXX XXXXXXXX ) for my checking  account ending in XXXX copied directly from the Truist email on XXXX XXXXXX/XX/XXXX at XXXX XXXX. I received a phone call the following XXXX afternoon with an unhelpful answer and abrupt demeanor. 

I even brought this information to a local XXXX XXXX XXXX agency who suggested I contact XXXX in XXXX who referred me back to the local XXXX XXXX. 

Since this situation in XXXX, I have needed to contact Truist multiple times for password resets since their website is so unreliable as is the application on my phone after reinstalling it multiple times and I was referred to their 800 number ; XXXX where I have to start fresh and explain again who I am. Some attempts are twice in XXXX day as an example on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and more recently this week, XXXX. 

XXXX XXXX XXXX in XXXX XXXXXXXX XXXX on XXXX XXXX lied to me in person to get me out of their office and I hope this document is not a waste of time and I plan to close my account as soon as I can. I was blamed for my name being spelt wrong in the XXXX branch by a female manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account
Product: Consumer Loan

I XXXX XXXX XXXX filing a complaint with the Consumer Financial Protection Bureau against a state agency that is operation outside the legal requirements of the Fair Debt Collection Practices Act. The debt in question was originally procured with XXXX Student Loans. Now there is no knowledge of what entity owns the debt because the debt was private and sold off into a securitized trust. The New York State Higher Education Services Corporation claim that they purchased a privatized debt. They have shown no proof of ownership, nor can they show ownership. They are essentially operating as a debt collection agency, fully outside the constitutional limits of a state to maintain a separate collection service for private debt they have XXXX collateral interest in. Accordingly, I demand an immediate cease and desist on all calls to my home or work, and the only correspondence I will accept is proof of ownership of a debt is impossible to own. The NYSHESC state on the attached letter that they purchased the debt from XXXX Student Loans. This is a complete falsehood that can not be proved. I demand an immediate cease and desist from this state agency immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

XX/XX/23 I requested a call back from my student loan servicer EdFinancial. I got a call back from a representative XXXX and I advised that I wanted to get on the SAVE plan. She tried to steer me away and get me on the standard plan instead. She then put me on hold after verifying my income and dependents and then confirmed that I was eligible for the SAVE plan with {$0.00} payment. She said she processed it and I would be on the SAVE plan with {$0.00} payment. However, my account still shows in on the IBR payment plan with {$420.00} payment. I would like to have my student loans on the SAVE plan with {$0.00} payment as discussed.
Product: Debt collection

Portfolio Recovery Associates has repeatedly harassed me both at my place of business and on my personal phone. They also have been spoofing their ID trying to hide their numbers from me so Ill answer their nasty calls. Ive told them numerous times not to contact me at work but they still are. I do not owe these people anything and their harassment needs to stop. They just called me today on a Sunday. Thats taking it too far on a Holy day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed the balance of my mortgage with XXXX XXXX to Transunion through XXXX XXXX. Instead of updating the balance, XXXX XXXX was totally removed from my credit report. I have been going back and forth with XXXX XXXX and Transunion. XXXX XXXX says Transunion has to request information to put XXXX XXXX back onto my credit report and Transunion says the XXXX XXXX has to report my mortgage to Transunion. I was also told by XXXX and by XXXX at Transunion that even if I send a letter to Transunion from XXXX XXXX stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, XXXX XXXX. Pease help. My credit score is affected.
Product: Student loan

My father who is a XXXX, XXXX XXXX XXXX veteran, was a consigner and primary payee for a XXXX private loan. He fell into bankruptcy and throughout that time they said he did not need to make any payments. However, they did not disclose how interest would continue to build during this financial hardship.They continued to take advantage of a low income veteran during a time they could have froze interest payments, Originally the loan was XXXX but after years turned to XXXX. In addition instead of a cap at 6 % interest rate they continue to raise his interest rate now at 8.25 %. They would not change the variable to a fixed interest rate. How is he suppose to pay this loan off? He ca n't even release his daughter from the loan. Navient has not worked with us and has been nothing but greedy and taking advantage of the poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple investigation request to Equifax in regards to the reporting of 3 accounts ; XXXX XXXX XXXX and two accounts that don't have a creditor reporting. I requested the investigation because all 3 accounts are reporting inaccurately. I haven't received any correspondences or notifications from Equifax on either of these accounts since I requested the initial investigation in XXXX of 2020.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT DIVERSIFIED CONSULTANTS 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. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment ( s ) reported on my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX account and request their removal from my credit report, as they involve private information protected under the Fair Credit Reporting Act ( FCRA ). 

Specifically, 15 U.S. Code 1681b ( 4 ) affords me the right to privacy by ensuring that any information related to my late payments, which may be considered private or sensitive, can not be disclosed to third parties unless necessary and in compliance with the law. Given the private nature of such information, I believe the reporting of these late payments may violate my right to privacy under this statute.

Therefore, I respectfully request that you review the reporting of my account and remove any late payment entries that may be in violation of my privacy rights, as outlined under the Fair Credit Reporting Act. 

Please provide written confirmation of the removal of these entries or any corrections made to my account. I also request an updated statement or credit report reflecting the necessary adjustments. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Vehicle loan or lease

XXXX. Paid off car loan, # XXXX on XXXX/XXXX/XXXX, {$8800.00}. Requested title to be expedited and sent to home address. I was told I would receive a letter followed by an email notifying me of tracking number. Neither were received. 
XXXX. Called XXXX XXXX US Bank, lender ) beginning approximately XXXX/XXXX/XXXX. I had several phone calls. ( I did not track the number until below. ) XXXX. On XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Informed " must be some mix up ''. Will send again. I agreed to call back with my mother 's XXXX account number in order that the title could be XXXX express overnighted. 
XXXX. XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Provided XXXX account # XXXX. XXXX informed that could only send to a XXXX office since it required a signature and I would not be home. We agreed on the XXXX office : XXXX XXXX XXXX, XXXX, IL XXXX. She said the title would be issued and sent by the end of business on XXXX and I would have it XXXX/XXXX/XXXX. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call to XXXX to XXXX inquiring on account # XXXX - with destination to the XXXX XXXX. I was informed no activity on the account. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call, to XXXX XXXX US Bank XXXX. XXXX with XXXX. I informed her of all of the above. She said they did not have a record of me calling back at XXXX to give the XXXX  information. I replied, " You record all your conversations. You are able to check. I have it here on my phone. '' I informed her that I NEED the title to my car ; that I have a buyer ; that I have already lost XXXX buyer. '' She has informed me " she will speak with her supervisor. '' I paid off this loan over XXXX weeks ago. I deserve to have the title to my car. US Bank will not release it. I have tried every remedy I know. The local branch has no authority.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX after putting my complaint referring to this account, which in different occasion, expressed that did not belong to me, Pinnacle Credit Service LLC sent me a correspondence signed by an executive named XXXX XXXX ( complience division ) Which determinated that after an internal investigation, had decided to removed it from their systems whithout basis or livelihoods to keep it in my reports, according to clearly stated the letter, he asked the XXXX major bureaus remove the same, today XX/XX/XXXX, checking my information at XXXX I find the account again in question, which appears paid off completely, never made any payment since they do not recognize this debt as mine, I made the correct procedures under my rights validation according to the FDCPA 15 USC 1692 Sec 809, whithout ever receiving a response from the company, is illegal under FCRA force report unverifiable and inaccurate consumer data, if determinated to give it as paid, it was an action itself Pinnacle Credit Service LLC as I said not paid off this I note that is not mine, remove this information inmediately from my credit reports, first case with CFPB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus. 

Ameris Bank attempted to correct the issue with my XXXX  credit report which now shows my auto loan, but now Ameris Bank has created another problem by updating my XXXX credit report to show my auto loan as closed, again.
Product: Mortgage

I have reached out to you before regarding my never ending problems with Rushmore Mortgage. You told them to return {$8000.00}. They credited it and then increased my amounts again. The reinstatement amounts and the acceleration amounts are skyrocketing. I will attach proof. They are still REFUSING to accept my mortgage payments, and putting my house in foreclosure. This can not be legal, can it?!? Who can put an end to this? I am running out of options and time. 

They also broke into my house and winterized it and locked it. Unbelievable.
Product: Credit reporting or other personal consumer reports

The car have increased again by {$2000.00} dollar based of Experian failed to follow the guidelines of the Fair Credit Act Law that requires Credit Bureau to keep information undated on a monthly basis without and excuse My personal life have been put on hold this have fully stressed me out and this company needs to be held accountable for their actions Im requesting arbitration to be started before the complaint is closed this will give me a equal opportunity for a settlement of {$75000.00} I cant get a credit line increase on my soft inquiries that I deserve Experian manager needs to be fired asap no if and or buts about it I believe my lawyer is stepping in next week to take this claim Experian need to represent paperwork that indicates I used the name list on my account as ( ( also know as ) XXXX XXXX if it remove the fake name your employee created to commit fraud and theft this name was created by an Experian worker or manager with no evidence that I utilized this name never ever used XXXX XXXX remove this name I asked over 15 months ago to remove XXXX XXXX asap Experian employee and manager create fake names and addresses to commit fraud with these is inside fraud occurs how are they allowed to keep on placing in accurate information on your Credit Report when information supposed to be verified and validated facts for all the employees and managers that created the fake addresses and fake names on my account. I asked to fully be terminated and not allowed to work in the Credit Report agency for the rest of the life. 

Due to the pain and suffering this have caused me to have a mental breakdown
Product: Student loan

On XX/XX/2023 I made a online payment of XXXX to Nelnet to Account group XXXX. 

At first the payment was misapplied to account AD. I contacted Nelnet customer service to apply payment to account XXXX. 

Today as of XX/XX/2023 upon logging into my Nelnet account online, there was no evidence of this payment anymore. 

This is the second time they lost my payments or didn't know what to do with the money this month. 

I guess I'll be making a lot of these complaints for the next several years. 
Attached are the current payment history and email confirmation of payment.
Product: Checking or savings account

Recently, Bank of China New York branch inquired me about some transfers from my parents. These questions were very rude and made me feel extremely uncomfortable. I answered their questions truthfully. However, they also requested proof of my parents ' income and threatened to freeze my account and take control of my assets. They are demanding very private documents without evidence that the transfers from my parents are suspicious, and they claim this is required by U.S. law. I have conducted large transfers between various U.S. checking accounts before, and I have never encountered this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Consumer Note 3rd official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed the above listed items on my credit file and noticed that they are not even METRO 2 COMPLIANT WITH THE STANDARDS FOR FURNISHING DATE TO A CREDIT REPORT.
Product: Debt collection

I disputed through Experian about the verification process of how my bankruptcy was verified through their bureau. They said that my bankruptcy was verified through the bankruptcy court, which I contacted the bankruptcy court and they verified that they DO NOT VERIFY TO ANY THIRD-PARTY BUREAU. So Experian completed a false investigation and I need the bankruptcy removed from my credit report
Product: Mortgage

I contacted Freedom Mortgage and sent them my Insurance Policy. This included multiple messages with my insurance information attached as well as calling XXXX to have them send Freedom Mortgage my insurance information. Freedom Mortgage refused to recognize my insurance. I then filed a compliant with the CFPB and attached my insurance documents as well. As a clearly punitive action, after I filed a complaint with the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX Customer Service responded saying he went out and purchased an insurance policy without my permission and overnighted the payment WITHOUT MY PERMISSION. This is completely unacceptable as I clearly provided my insurance information. 

CANCEL THE CHECK TO TRAVELER 's for the insurance policy you illegally purchased on my behalf and respect the policy I provided you MULTIPLE times through multiple forums. My policy is attached AGAIN for your review.