23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX I sent Pinnacle Credit Services a certified letter asking for them to provide validity of debt. I have not heard anything back from them ever. I then on XXXX XXXX, XXXX sent a no response letter and XXXX XXXX, XXXX final no response letter. They have disregarded the laws put in place by the Fair Credit Reporting Act. This account should be removed from my credit report at this time. The debt has not been proven to be valid. his has been very time consuming.
Product: Checking or savings account

XXXX XXXX and {$72.00} in fees i made a phone call on XX/XX/2020 XXXX eastern on XX/XX/2020 those charges come out of my account. 
at the time of purchase, I had funds available to cover my purchases the bank showed me in my app that I made a purchase and that I had XXXX amount available to spend after purchase. so in my eyes, the bank is holding the money somewhere that I cant see for the merchandiser or vendor to get money, but I don't have to worry about it because the money is gone out my account I don't have to worry about it anymore. not 2 weeks later all purchases showed as pending .. the money was still taking out of my account so that I know what is available. and I had to call before about them freezing my account for me making purchases online .. they would block my card. but the only one I have to worry about fraud is them.. taking my money out of my account twice but on XX/XX/2020 the bank charged my account again with those charges and don't want to give my money back ... .. 

i sent some files of when they tried to recently take money out and when they already did at the time of purchase the only thing i cant prove but which i could've is the balance of my account at the time of purchase .. which will show that they are trying to steal my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Because Equifax did not use good security measures my credit information, along with millions of others, was compromised not just once but evidently multiple times over a period of years. Following the government settlement with Equifax I did have my credit information frozen and was provided a pin number and told that it would be a simple matter to unfreeze my credit as needed. That is not the case. In XXXX I needed to unfreeze my credit to lease a new auto. I tried using the website and it did not work properly, just so you know I worked for XXXX for over 33 years, so it's not because I am unable to use a computer or navigate software. When I called the 800 number it was answered by someone who barely spoke XXXX, was very polite, but could not help me. They kept asking me nebulous questions even after I had answered a number of questions that should have proven I was who I said I was. I was uncomfortable with providing the level of information they were asking me for to someone who was obviously outside the laws and protections of the United States. After several hours on the phone I finally got transferred to someone in the XXXX XXXX call center and they were able to help me. 

Today I called to unfreeze my credit, again, because we are in the process of selling our home and purchasing a new one. This time the Equifax website was down altogether, I made multiple attempts to try and get to it using a variety of paths, and all I got was a screen that said " oops, '' like they had bumped me in a hallway, not screwed up my life with all of their stupidity and incompetence. When I called the 800 number I was put through the same process and ended up with the people in XXXX XXXX, again, but this time they are telling me they need me to FAX a copy of my driver 's license and my social security card to them, that is a really bad idea and it's that kind of stupidity that allowed out personal information to be stolen in the first place. 

There are some corporations that are so bad, so poorly run, such a drag on society that they need to be shut down. Equifax is one of those companies. I am sure they have screwed up the lives of millions of honest, hard working citizens.
Product: Student loan

Requested payoff amount on XX/XX/2021, immediately submitted payoff amount of {$2400.00} on the providers website. There is no mention of delay to post payment when requesting payoff amount. Payment post on XX/XX/2021 saying that I still owe {$7.00}. I contacted provider and was told this was interest because payment did not post until XX/XX/2021. This amount would not be the correct interest amount even if that were the case. The company provides a payoff amount for the current day without the ability to post the payment on the same day.
Product: Checking or savings account

My financial information was hacked and used to purchase an item without my consent. I immediately contacted the vendor and my financial institution notifying them of the issue and providing documentation showing my claim of fraud which USAA subsequently ignored. I did everything to notify USAA that my data was compromised and still the bank refuses to credit my account
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/2024 I contacted Upgrade/Universal to update my mailing address. I tried to online, but they denied my request and I called Customer Service. I was told they couldn't update my address verbally. I was instructed to send a copy of my license front and back and then to create a sign with my account details on it and hold it up in front of me and take another picture. Since I didn't write the word " account owner '' next to my name on the hand drawn sign, they rejected this as proof. I sent official USPS postal address change document reflecting my previous and current address- they rejected that. I also sent a screenshot of my bank login showing my name and updatedaddress- they rejected that. I was told I needed to send a bank statement, My bank issued XXXX on XX/XX/XXXX. I sent the first page showing my address change- they rejected that. I sent the whole bank statement ( XXXX pages ) but redacted my personal purchase information as it is private to me and they have XXXX right to see that information. The bank statement clearly reflects my new address. I am not qualifying for a loan, which I might add I NEVER provided one piece of information to GET the loan, but have to jump through hoops to change my address., I am simply changing my address. They also rejected that stating I must send whole unredacted bank statement to change my address or a voided personal check, which I do not have as eveything is online these days. This seems a little overboard and violates my privacy to provide a whole bank statement when the only thing I need to do is change my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021.
Product: Bank account or service

The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. 

BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best as possible.
Product: Checking or savings account

I originally inquired about a line of credit against a property I owned in XX/XX/XXXX. 
There were issues with that process and we finally were able to move on. 
XXXX of the issues was the backdating of the contract terms. When I inquired about this on a call with the Market President, XXXX XXXX at Cadence Bank, he assured me it wouldn't be a problem regarding the dates not matching the time of execution. 

Once I finally submitted the loan docs, overnight mail on XX/XX/XXXX, it took them another 1.5 weeks to respond to me regarding the status of the application and access to funds. At this time, I still had not opened any bank accounts with Cadence. 

By this time I had lost confidence in their process and made that clear to XXXX. There were too many delays and inefficient processes within their operations and I did not feel comfortable doing business with them. This same day, XX/XX/XXXX, I received a letter in the mail stating I had a {$500.00} admin fee. 

The details of the letter are : Date of Invoice : XX/XX/XXXX Payment Due Date : XX/XX/XXXX Fees Due : {$500.00} XXXX immediately sent him a picture of the letter and demanded an explanation as to why I would receive a fee considering no contracts were executed until XX/XX/XXXX, and WHY the dates in question are predated by a month. 

He could not give me an satisfactory explanation. I requested documentation of why that fee originated and an immediate fix. 

In a subsequent email on the same day ( XX/XX/XXXX ), I requested a termination of any contracts I had with the bank and instructed them to not fund my account from the line of credit for which I had applied. The next morning on XX/XX/XXXX, XXXX called me to try and convince me to do business with Cadence Bank. 

Considering I no longer trusted him, I told him I was going to record the call. I proceeded to record the duration of the call with XXXX. On the call, he explicitly admitted there was checking account opened in my name which I never signed for. He also mentioned he funded the account with {$100.00}. 

I demanded all accounts be closed and all contracts nullified and to release the lien on my property under which the line of credit was established. 

A few hours later he requested I pay the origination fees of {$2200.00} before they would release the lien on my property. 

As of this writing, Cadence Bank is in first position with a lien in my property and on the home owners insurance policy as the beneficiary. 


I have voice recordings to substantiate my claim. I can provide the recording upon request.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Product: Student loan

1 ) XXXX XXXX ( current provider ) Complaint 1 : I have been trying to get my loan payments qualified for the service loan forgiveness program past 3 years. I have worked for an XXXX XXXX from XX/XX/XXXX ( since XXXX school graduation ) to currently, and I have made no progress, spending hours of time that I dont have on the phone spending over 20 hours on the phone w different operators. These operators keep giving me different information to resolve issue but when I call back due to denial or just bc I have heard nothing for months, there has been NO change. They have my payslip, employer verification and W. They refuse to approve all of my payments due to transitioning from paid training fellowship physician to practicing attending physicians where the tax id number 's change since I am paid from different pockets of the same academic institution at the University of XXXX. Complaint 2 I have requested payment history from XXXX and XXXX XXXX  through XXXXmy loan payment information, and that this information should be obtained by my servicer. 

XXXX and XXXX XXXX ( ACS XXXX ) - I have requested 3 times for my student loan payment history so that I can prove that I have made payments to qualify for loan forgivenentss. I have requested my payment history through XXXX XXXX ( current servicer ) 2 times and independently by requesting it directly to each of them. I have received no payment history in the mail. As a result I have no proof of payments that I have made since XX/XX/XXXX to 1 ) count toward Loan Forgivement Payment Plan and 2 ) qualify for interest forgiveness program. 

XXXX : I was disqualified for the interest forgive program because my loans from Direct Loans ( currently ACS ) was changed to XXXX. I was provided no notice in written manner or via telephone. I was working about XXXX hours per week taking care of patients in XXXX. I was contacted by collection agency via phone who informed me that I was delinquent. This is how I found out that XXXX was my new provider. I made several phone calls and there was not a SINGLE person who informed me of the implications of interest on my student loans being capitalized versus forgiven due to this late payment. My interest was therefore NOT forgiven and interest capitalized in addition to the principle because I was FORCED into taking a forebearance. I did not even know that I was disqualified of this program with ballooned interest as a result of this mishap in which there was NO communication or notice given to me that my loan provider had been changed. 

employment XXXX : XX/XX/XXXX to XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX to present - University of XXXX ( XX/XX/XXXX-XX/XX/XXXX General Medical Education/ XX/XX/XXXX to present XXXX Hospital )
Product: Credit reporting

XXXX appears on my credit report as an open collection, however it was discharged in bankruptcy. It should be removed.
Product: Debt collection

XX/XX/2020 I am disputing the debt as reported by Midland Funding for {$630.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Product: Credit card or prepaid card

hsbc sends me letters stating they have sent me a check for the balance on my closed credit card, i never received any check
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency XXXX including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I sent received this alleged debt collection letter from National Credit Systems and I sent a certified letter disputing the debt and asked them to stop collecting, and to provide a valid contract from their company to validate the debt between me and National Credit Systems. National Credit Systems violated me as a consumer by calling me and still sending another letter saying that they've validated the debt and failed to provide the contract. National Credit Systems violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and has accessed my personal information without my permission. I have already made them aware that I do not give them permission to include this alleged debt on my consumer report. On XX/XX/year>. National Credit Systems sent another letter including abusive language demanding me to pay this alleged debt.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2021 RE : You violated the XXXX XXXX Code Law THIS IS XXXX XXXX. THE REAL XXXX XXXX. I included my XXXX XXXX card because nobody would have access to that but me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY HELPING ME PREPARE THIS DISPUTE LETTER SO PLEASE DON'T EVEN TRY IT. i contacted the FTC about some fraudulent accounts and inquiries that I did not authorize. I attached a copy of the ftc report # XXXX to this letter so you kknow it's real. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt and not a day later. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them FAST!! 
aka fastly. 15 USC 1681n defines XXXX liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter. AND ALSO This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THis DEBT OR INQUIRIES listed. Please remove all fraudulent accounts as I have no know of any of these accounts due to that big ole Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB so you better not play around i beg of you. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please update and/or delete all accounts listed.
Product: Credit reporting

not able to get free credit report. after being denied credit. have to send photo copies of identity, and address.