23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Nationstar assumed servicing of a loan that was cancelled with a XXXX from XXXX, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from Nationstar attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from XXXX for this debt, acting as a substitute trustee, holding a lien.
Product: Checking or savings account

Over drafts were charged at various times and not a standard time as stated in documentation, or fees were charged without notice and not within the times or days. Many times money was placed in the account before the overdraft was issued and still the overdrafts happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not have a XXXXXXXX XXXX XXXX XXXX XXXXXXXX, they did not provided me withthe original contract with as I requested my wet signature and IDverification.
Product: Debt collection

XXXX Midland Credit Management sent me a letter claiming they were the new " owner '' of a XXXX, XXXX. credit card account in the amount of {$12000.00} but would not begin collections for 30 days. 
XXXX Midland Funding , LLC sent me a letter stating Midland Credit Management , Inc. would be collecting on an account on behalf of Midland Funding LLC. This letter also stated that because of the age of the debt, they would not sue me for the debt but would report it to credit reporting agencies. 
XXXX I sent MCM a letter requesting complete validation of this supposed debt per the FDCPA. 
XXXX MCM responded with a letter stating they received my dispute and found their information to be correct. They then stated " We are uncertain of what you are specifically disputing '' and that to further investigate they needed the following documentation : " Written explanation and documentation demonstrating any errors in our account information ''. They also claimed that I had indicated I had appointed an attorney/representative and they were requesting contact information, which is incorrect. I do not have an attorney/representative and never claimed to. 
XXXX, I sent another letter, again requesting complete validation of the account under FDCPA XXXX MCM/Midland responded with a duplicate of their previous letter without any supporting documents to their claim. So, TWICE they neglected to send me documentation validating this debt they claim I owe. 
XXXX I sent a letter via certified mail to cease communication with me under the FDCPA and Florida statute XXXX, unless they were notifying me that the matter is closed. They did not respond to this letter. 
On XXXX they illegally reported this un-validated collection account on my credit reports and illegally RE-AGED this supposed debt to XXXX XXXX, 2016, with an increased balance to {$12000.00}. 
XXXX I called XXXX to dispute the collection. " XXXX '' with XXXX refused to request written validation from Midland and refused to remove the collection from my report until it is properly validated with real documents and not just on Midland 's electronic confirmation. When I told him I would have to report this refusal to the FTC, he began to speak abusively and derisively to me, and also refused to give me his real name so that I could properly document the phone call. 
It is seriously damaging my credit in the meantime. I am still in the process of calling to dispute Midland 's collection account with with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I disputed a XXXX  ( public record ) on my Experian credit report and it came back as verified with XXXX XXXX. 

I have contacted XXXX XXXX in the past and the public record was deleted from their records. 

When I disputed with Experian it keeps coming back as " verified '' which is incorrect. 

I called XXXX XXXX several times and they cant find the XXXX  public record on file. 

Therefore, I don't understand how Experian keep verifying with XXXX XXXX regarding the bankruptcy. Please remove from my credit report due to unverifiable information from XXXX XXXX. Experian keeps going off already investigated results from past disputes and keeps putting the same reason. 

I also attached a letter from XXXX XXXX court where it was filed and they don't release information regarding XXXX. 

XXXX XXXX sent a letter stating and verifying they don't have any public records for XXXX  under my name XXXX XXXX that Experian isn't reporting correct information. 

I have attached proof from XXXX XXXX XXXX XXXX XXXX XXXX .... 

Please have Experian delete the XXXX  from my credit report immediately, They're reporting false information.
Product: Checking or savings account

I had opened a USAA checking account a while back to switch from my local bank and during my use with USAA they were continuously freezing my debit card for suspicious activity over normal purchases. I had contacted them multiple times and my card had gotten unlocked. Fast forward two weeks I am calling USAA to get my card unlocked for no apparent reason and they hit me with a sorry USAA will no longer be banking with you due to unknown reasons. You will receive a cashiers check or business check with the money that was in your account within the next 60 days, I tried to get more info on the scenario, and the lady that I was talking to was not very informal so I decided to give them a call the next day and they ended up giving me the same line that I would be receiving the money within the next 60 days fast-forward 60 days later, Ive contacted USAA And no no attempt of them giving my money back had been found. the customer service representative, that I had talked to had sent up some sort of form to have my account re-reviewed multiple weeks later. I attempted to contact them regarding the form that was sent up saying it was rejected again for unknown reasons, so I had them resubmit the account review and there has been no further progress with USAA and receiving my money back or closing my account because I do not have full access to it anymore. During my multiple calls with USAA they always reassure me that all calls are recorded for USAA and customer protection I wish I had access to these calls to file them with this bunch of information to show how much BS they put me through. but without legal help USAA was not willing to do so. There was also a little bit of XXXX XXXX I feel with USAA security department or whoever deals with their account reviewing being a non-over the phone company or even being branched off of USAA Especially with USAA, not being able to unlock my account using personal verification methods. and having their finance department send over paperwork with the chance of it, not even being reviewed because they deem it low priority overall, USA has still not paid me back the minimum XXXX dollars that is sitting in my frozen account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Equifax credit report just recently, XXXX   account # XXXX is incorrectly reporting my accounts as past due. First and foremost we're in the middle of a pandemic and they shouldn't be reporting at all. Secondly according to my Equifax report both the accounts are listed as an " open account '' with a closed status, which is contradictory. Last a definitely not least, in the comments/remarks section of the report they've listed this as an account in collections. I know my rights, and I fully understand that any account presenting itself as a collections account shouldn't show any type of past due balance so this account needs to be deleted from my Equifax report due to multiple false reports and statue of limitations. Ive tried disputing this account with the company already and they'e done nothing but update the accounts to show more inaccuracies. There are 2 accounts under the same account number and they both need to be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX  XXXX XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) Date:XXXX  As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : CREDENCE RESOURCE MANAGEMENT Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.
Product: Checking or savings account

On XX/XX/2023, I contacted Goldman Sachs in regards to a goodwill credit that was provided to other customers for problems with outgoing withdrawals in the month of XXXX. It is my knowledge that several customers were given a goodwill credit in the amount of {$100.00} due to the lag in processing of outgoing withdrawals. In XXXX, XXXX, and XXXX, Goldman Sachs had extremely negative user reviews and several articles published within multiple news sources that described the failure of Goldman to properly process withdrawals, which dissuaded me from attempting to withdrawal from my account, especially in the month of XXXX. Upon contacting Goldman, I was informed that a case was submitted to review my request for a goodwill credit by representative XXXX, my case number was XXXX. I received a follow up phone call from supervisor XXXX XXXX on XX/XX/2023, at approximately XXXX, informing me that my request had been denied. When I questioned why, I was informed that it was because Goldman conducted an internal review and identified impacted customers. The reason I did not attempt a withdrawal is due to the serious issues many consumers faced in the month of XXXX, all of which are clearly available to view with a simple XXXX search. I requested a formal letter be produced so I could forward to the CFPB, and I was told the matter needed to be reviewed with Goldman 's Legal and Compliance Teams and that I would receive a call back. On XX/XX/2023, at XXXX I received an email stating that Goldman was unable to reach me and to utilize the chat feature within the Apple Card Wallet app to get in touch. I did so, and spoke with a XXXX, who transferred my chat to a supervisor, XXXX, who informed me that he had escalated my request for a formal letter and that I needed to " check back with them in 2 days ''. I am extremely frustrated with the lack of responsiveness, the lack of empathy, and the disparate treatment I have received from Goldman Sachs. I am requesting that my goodwill credit request be honored as I AM an affected customer. Goldman 's declination to provide me this credit could be considered disparate treatment. Goldman neglected to provide thorough Account Disclosures at the time of account opening, and lacked directive on how long funds transfers would take when initiating a withdrawal, which has since been updated. Please advocate on my behalf to get this credit approved. No one should have to spend hours chatting and calling to get told the exact same thing, that it was escalated and to check back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA is the bureau name type of account is not reported. Current balance is {$310.00}? 
Last date reported XX/XX/2022. 

However, I have never been contacted on this account. Theyre was a breach with information exposed including my social, date of birth and mailing address. I did have a payday loan over 7 years ago which I settled with speedy cash. But I was never contacted by NCA. Ive called the number provided pre recorded system says they are closed. And to call back at a later time XXXX?
Product: Credit card or prepaid card

On XX/XX/2020, I sent a payment in the amount of {$2500.00} to Chase for my XXXX account. On the statement that reflected the payment was received, I was comparing my balance changes, to determine how the payment was applied, and the balance differences on one statement to the next didn't add up to the {$2500.00} I submitted! Where was the missing {$800.00}?! I contacted Chase, who said they would escalate the issue, simply asked that I keep making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to XXXX and Experian about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681. 

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX # XXXX. 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences.

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations.

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication.

In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ).

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}
Product: Credit reporting or other personal consumer reports

The name XXXX XXXX XXXX is being reported as a name on my Equifax consumer report. This name is incorrect and does not correctly Identify me as a consumer I would like this name removed immediately and I would like for solely the name XXXX XXXX my Equifax consumer report The address XXXX XXXX XXXX, XXXX, LA XXXX is present on my Equifax consumer report. I have never lived here and this is a non-mailable address. I can not be contacted or reached at this address. I would like it removed immediately. 


XXXX is present as a Social Security number for me on my Equifax consumer report. This is incorrect. I would like this entry to be removed immediately and nothing to be shown in the field of Social Security number or my Equifax consumer report. 

The date of birth XXXX is present on my Equifax consumer report, this date of birth is not correct, and I would like for it to be removed immediately. I would like for no data to be present in the data of birth field on my Equifax consumer report.
Product: Student loan

NELNET -Requested a refund for XXXX dollars on my XXXX consolidated student loan. Was told 7-10 for it to be approved. Per the CARES act, all payments made after XX/XX/XXXX can be refunded. Now I call and get differing information everytime I call. Sometimes it is the balance will reflect only when the check is issued. Sometimes it is the balance will reinstate and the check will be issued 2-4 weeks after. 

Would like accurate information and also to have my balance reinstated and also for my refund check to be sent. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell XXXX and TransUnion CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA XXXX and TransUnion CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$7200.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXXXXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in pacific concrete fcu v. kauano, 62 Haw 334, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX  if you fail to comply with this request