23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XX/XX/2017 I have requested several times for documentation of any contract or written agreement containing my signature from XXXX XXXX of the alleged debt of {$170.00} they say I owe them, and their response is they have no documentation as the account is too old and was charged off. So XXXX XXXX sold this alleged debt to ERC collection company in XXXX, FL.. So I requested the same information from ERC collections and they don't have any and continue to report this alleged debt to the credit reporting agencies. What's funny is I am a customer still with XXXX XXXX which is now just XXXX XXXX  as XXXX XXXX XXXX XXXX.
Product: Prepaid card

around 4 months ago from today XX/XX/year> I submitted a dispute because my card was compromised and was used to make a ton of online purchases totaling up to {$50.00} once I submitted the dispute 3 months ago I got a response and was told it had been denied after looking over my account with no other reason.my funds where wrongfully stolen from me and nothing was done about it.once I asked them for what reason on my account made them deny me I was ghosted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 employer listings that are completely wrong and need to be deleted and one account that does not belong to me and one account I was never late on and one account that is marked as a charge off which is false, I fully expect these items to be deleted
Product: Debt collection

I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX. have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XX/XX/XXXX to all my creditors. When the cease and desist was sent in XX/XX/XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my 401K, as I had no other means of meeting my responsibility. Since then I have settled wit.h XX/XX/XXXX, XXXX 's,  XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.PortfolioRecovery Associates did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. Portfolio Recovery Associates simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from XXXX, XXXX and Equifax. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH XXXX, EQUIFAX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with XXXX, XXXX and Equifax.
Product: Debt collection

A debt collector contacted me I they bought my loan and I am supposed to pay {$690.00} dollars which happened due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.
Product: Mortgage

The XXXX XXXX  still holds XXXX dollars from my NJ unemployment money. They added private mortgage insurance adainst New Jersey. So they stole my home at XXXX XXXX XXXX, XXXX NJ XXXX. Got paid then sold the home and got paid again. Muat be nice to be this pank. I also applied for a modiification on my mortagage five times but they never responded. This is a violation of Federal law ' Under the 5th and 14th Amendments no person shall be denied the right of life liberty or property without due prosess.They have been investigated under the RECO ACT. Now I hace tried our XXXX XXXX XXXX. XXXX I will go to XXXX to try toget the word out to as many people. I am a XXXX XXXX XXXX vet. Forced out of my home.
Product: Debt collection

Good afternoon, I receive continues and annoying phone calls from this debt collector. They do not let me finish when I try to explain that I am not the person they are trying to reach. This is every day and every week. 

This needs to stop please!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, There is personal information that is incorrect on my Experian Rent Bureau report that needs to be fixed. 

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Customer Advocacy Team Huntington National Bank Re : CFPB Case # : XXXX Huntington Case # : XXXX Dear XXXX XXXX, XXXX hope this letter finds you well. Thank you for your prompt response to my previous correspondence regarding the missing 1099 Tax forms with The Huntington National Bank. I appreciate your attention to this matter and your willingness to address my concerns. 

I understand that the information I provided to the Consumer Financial Protection Bureau ( CFPB ) may not have been sufficient to continue the research process. I apologize for any inconvenience caused by the lack of details in my initial correspondence. Please accept my sincere apologies for the oversight. 

To facilitate the resolution of this matter, I am providing you with the additional information you require : Full Social Security Number : XXXX Account Number : Product Type : Auto Loan Time Frame of the Charged Off Account : XXXX I hope that the provided information will enable Huntington to thoroughly review my claim and locate the missing 1099 Tax forms. I understand that retrieving the necessary documentation may take some time, and I appreciate your patience and diligence in resolving this matter. 

If there are any other documents or forms that you require from my end, please do not hesitate to let me know. I am committed to providing any additional information necessary to facilitate the research process and ensure a prompt resolution. 

Furthermore, I appreciate your offer to address any further questions or concerns I may have. Should I require any clarification or have additional inquiries, I will not hesitate to contact you at ( XXXX ) XXXX. I also acknowledge the availability of the Customer Solution Center at ( XXXX ) XXXX, and I will reach out to them for any general concerns or inquiries. 

Once again, I want to express my gratitude for your attention to this matter. I sincerely hope that this additional information will assist in resolving the issue of the missing 1099 Tax forms. I look forward to receiving an update from Huntington regarding the progress made in locating the required documentation. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the PerFCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance Owed : {$710.00} - XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX $ XXXX XXXX XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX a company by the name of Eastern revenue called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.
Product: Credit reporting or other personal consumer reports

Notice to Principal ; Notice to Agent - Notice to Agent ; Notice to Principal [ XX/XX/XXXX ] XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX # XXXX ] [ XXXX ], [ CA ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section XXXX ( b ) and ( c ). Therefore, I have already contacted XXXX and XXXX, and to opt out of any current, prior or future reporting. I am now informing Equifax and XXXX XXXX XXXX XXXX that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since Equifax and XXXX XXXX XXXX XXXX has taken upon itself to act as my entrusted fiduciaries. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX  Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 


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

On XX/XX/XXXX, XXXX  ( Department of Education Loan Servicing ) submitted an update letter to the three major credit reporting agencies : XXXX, XXXX, and TransUnion ; informing them to " REMOVE '' the XXXX XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and XXXX  on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.
Product: Mortgage

My wife passed on XXXX XX/XX/2022. I subsequently contacted Rushmore Loan Management Services to request a payoff to close the mortgage. I was not listed on the mortgage, and they would not accept payment from anyone other than the deceased. I attempted to pay the balance in full since and the company rejected the payment and sent a notice of default on XXXX XX/XX/XXXX that included additional {$300.00} fees with interest. The Garn. St Germain Act doesn't prohibit mortgage assumption in these circumstances. It even encourages lenders to allow the assumption of a mortgage, either at the contract rate of interest or at a rate between the contract rate and the market rate. ( 12 u.s.c. 1701j-XXXX ( b ) ( XXXX ) ). The actions of the lender doesn't make sense considering I have the means to pay the balance in full. 

In this particular case the lender appears to be doing everything possible to extract additional fees for profit in a malicious manner under the circumstances.
Product: Debt collection

XXXX XXXX XXXX XXXX I've disputed the information on my credit report I have no knowledge of account
Product: Debt collection

I received an alert today, XX/XX/XXXX, about a new collection on my credit. I checked and found a collection agency called MIDLAND CREDIT MANAGEMENT. The original creditor was XXXX XXXX XXXX XXXX for {$1000.00} for an account opened on XX/XX/XXXX for a one-month term. 

I XXXX  the company but found it was in XXXX. I never opened such an account, nor did I collect money from any company on the date mentioned. I believe this is an identity theft issue, and I want it resolved. 

I called XXXX and was asked to file an Identity Theft report.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Student loan

I have reached out numerous times asking for copies of every statement since Navient took over my student loan. They only keep a years worth of statements. Despite asking numerous times, I still haven't received them. When I ask Navient about my statements, they either lie to me and say they will send them or lately, they just don't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly investigate my Dept of Education XXXX and U S Dept. of Education / XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number:517805 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Product: Prepaid card

XXXX XXXX BEWARE OF SCAM : I was heading to a XXXX accepted and XXXX then called pretending they were a supervisor, saying they are investigating an unsafe driving complaint. they said they were canceling out my XXXX XXXX ( which they did immediately ) and will pay you XXXX the hour of time they will take up investigating this complaint. they then cancel the ride off the app you were headed towards, making it look like they are a supervisor. They then asked for me to verify my cash app by sending money to them and they will replace these funds while you are on the phone with them. they then ask you to check to see if you received their funds. when you say no, they then quickly ask to repeat this process, thereby having obtained double the scam money. luckily I only sent the one payment and the moment i had clicked the one I had tried to stop it because the owner of the cash app account was spelled XXXX not XXXX. the owner of this particular cash app account was XXXX XXXXXXXX  XXXX says they won't help investigate unless they lock down my account so I can't get my payout money for the entire time it takes them to investigate. ( Could be hours, could be days they said. ) They also won't supply the information to the police to help with the theft by giving up the account holder of the XXXX I had been headed to, they would have been the one doing the scam as they had been able to cancel the ride. XXXX won't post a warning to their XXXX, they are willing to let their XXXX be scammed on their platform through their phones using their rideshare. PLease do not let anyone else get fooled by this. PLease post this warning to drivers on your platform. Thanks XXXX ( XXXX I lost XXXX, an entire day 's wages. )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a XXXX XXXX reservation, XXXX rooms on XX/XX/XXXX, a total of {$770.00}. I pre-paid for these reservations at XXXX 's insistance, via XXXX to XXXX to be taken from my checking account directly in XXXX payments of {$190.00}, every XXXX weeks. On the date of my last payment of {$190.00}, XX/XX/XXXX, I was made aware of a health issue ( XXXX XXXX ) that I am currently going thru steps to identify, possibly XXXX XXXX. I could not make the trip to XXXXXXXX XXXX with friends. 
I contact XXXX to cancel and get a refund. They denied the refund stating that it was at the XXXX 's discretion, also stating it was because it was pre-paid. I made several attempts to contact the XXXX directly, first call was disconnected and XXXX was sent to voicemail of the XXXX which I never received a call back. 
When I contacted my bank Chase Bank, on the advise of XXXX ( with whom I also filed a complaint that they denied ), Chase Bank advised me they could not help me with my refund due to it having been a ACH transaction. If I had paid directly with a credit card or debit card, they would have been able to get my money back. 
I find this very disappointing, especially now that I am probably looking at a mountain of medical costs in the very near future. 
This issue was discussed during my call with Chase Bank.
Product: Debt collection

Department Stores National Bank has violated the North Carolina Debt Collection Act 75-50 to 75-56. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Department Stores National Bank has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).
Product: Checking or savings account

I have a fairly new checking account with Suntrust bank. The set up the majority of my bills through their bill pay option. Because at least one if not two direct deposits enter my account every Thursday, I set up an recurring bill pay option for the funds to be issued on each Thursday or the following Friday. Through recent investigation i have found that several checks have been posted prior to the date of my enrolling of bills pay. 
check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 i contacted the bill pay department with suntrust and the representative completely agreed with what i was describing as an error. She stated that the funds would be returned to me as soon as she confirmed with her supervisor. When she came back to the phone, her entire demeanor changed and she told me that she was sorry there was nothing that she could do. I then called the bank to speak with a manager. I explained to the lady of the phone the scenario in which her reply was " If you don't like the way that the bill pay works, don't use it and pay your bills yourself. '' I can provide additional disturbing information about that particular phone conversation if needed. I then asked to speak with the manager. I was informed that she was unavailable at the time and my name and number was taken for a call back. I was on a conference call my my own job when the manager returned my call a few hours later. I called back within 20 minutes of her leaving a voicemail ; however, I was still unable to make contact with her. I again left a message for a return phone call, but I have yet to receive a response.