23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good day! After reading upon the laws that governed the finance, debt collection practices I had start asking questions via certified mail ( affidavits ) with return receipt Re my credit with the alledge creditor XXXX XXXX, XXXX XXXX and XXXX XXXX etc. Portfolio recovery associates had sent me notice relative to debt collection activity which i started to query and during tghe course of almost 15 months I had sent out several affidavits to said company and none of my affidavit were answered. They provide absolutely no evidential value whatsoever. they continue to report false and misleading information to the three major credit bureau I had also sent a notice to said company to cease and desist and nothing happened. Portfolio recovery associates had filed a law suit in the county court of XXXX Georgia against me and this is a clear breach of the laws that governed such activity. please see the affidavits attached to this complaint
Product: Credit card or prepaid card

On XXXX XXXX I opened a VISA credit card with TD Bank as part of a promotion. The promotion involved receiving {$25.00} dollars in credit after making a purchase. After using the card to purchase approximately {$300.00} in the first month, I received a billing statement that did not include a {$25.00} credit. I called TD Bank customer service on or about XX/XX/2018 and they directed us to visit the local branch for assistance in receiving the credit. The banker at the branch tried to correct any errors and assured us the credit would be coming in the next statement. The XXXX statement came and no credit was issued. I called customer service again on or about XX/XX/XXXX, and they told me that they would issue a credit in 5 business days. I checked my account on XX/XX/XXXX and the credit was still not issued. 
I called customer service on XX/XX/XXXX and they have still not been able to resolve the problem.
Product: Debt collection

I received a notification from XXXX/XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

Diversified Consultants Inc reported both derogatory accounts and did not send a written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Product: Checking or savings account

Criminal Extortion DEBITS OF CHECKS {$25.00}, {$25.00}, {$24.00} PROCESSING BLIND FUNDS EMPLOYED AS BANK PROBATE ; PRAECIPES, NOTICES OF APPEAL, BANK STATEMENTS ; XXXX XXXX {$25.00} # XXXX, XXXX {$25.00} # XXXX, HISTORICAL ACCOUNTABILITY WITH HUNTINGTON BANK : TWO PREVIOUS BANKS CRIMINAL EMBEZZLEMENTS ; {$200.00} Deposit Trust Collusion into Checking XX/XX/2019 PARENTS TRUST AND ESTATES LIVING RESIGNED AS THE FUN SUCCESSORS ADOPTEES XXXX COUNTY 2014-PB-v-998, 2016-PB-V-247 ; XXXX COUNTY OHIO COURT OF APPEALS, SEVENTH CIRCUIT COURT ILLINOIS.
Product: Credit card

Capital One has been reporting my transaction history to credit bureaus after I have already opted out per 15 USC 68.01.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX XXXX : {$66.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. Identity Theft XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Mortgage

No returned calls or emails.

Mislead about a refinance.

Mislead about the removal of Our mortgage insurance. 

XXXX XXXX caused a financial burden throughout our attempts to refinance our property. Words cant express how unethical they have treated my father and I even as their current customers. My father and I own multiple houses and this is the worst experience weve ever had with a lending company.
Product: Student loan

Lawsuit filed against me onXX/XX/2016. 
CAN NOT get attorney to respond to my WRITTEN REQUEST for documentation of debt. 
Lawsuit filed. 
I responded pro de ... .yet NO response.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies XXXX, XXXX, and Experian have all publicly produced a credit report without my consent tarnishing my reputation and credit worthniess as by lawful defintion they have violated my right to privacy and their grave responsibility to be impartial and fair in fact they have been very far from fair and absolutely partial in all means of lawful definition. below I will attach and quote all consumer laws in which in fact have been violated by XXXX as follows. 


15 usc 1681 A ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 usc 1681 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Again I state that I never gave my consent nor did I instruct XXXX to create or furnish this report.
Product: Checking or savings account

I had a checking accout at TCF Bank in XXXX, AZ. When I initially opened the account I was given the option to have " overdraft protection '' which I declined not once but several times. 
The reason why I declined the overdraft protection was in the recession in XXXX ' one of the banks that I had a checking account allowed me to overdraft my account via my debit card over 1000.00. I was under the impression that 1 ) the  debit card would be denied, 2 ) with that amount of ovedraft how come no one called me. I ended up with several hundred dollars in overdraft fees and cost. This was the reason why I declined the overdraft. 

I had the account for several years. I went on a trip to XXXX XXXX and knew that my account balance was low on my TCF debit card and still used it since as in the past when the debit went down to " XXXX  '' no overdraft would be added. In XXXX I used the card and never was stopped from using it so quite naturally I figured I had funds in account since the card wasn't being denied. 

I travel alot and sometimes when the balance was low I would place more funds in the account. On one occasion when I was back in AZ I went to the TCF bank in XXXX where I was told that my account was closed for lack of funds and saw then that I owed again several hundred dollars in overdraft fees. 

When I contacted TCF bank in MN the lady told me that at the time I opened the account that I had requested the overdraft which naturally I declined which was a lie, and then the lady said that later on I asked for the overdraft protection which of course I denied. 

I asked for documentation such as a copy of my bank application when I opened up the account and also for any other request from me to have the " overdraft '' protection which naturally I haven't received. 

If you go over the history of my account you will see that for three years there were not overdrafts and then on this " XXXX '' all XXXX broke loose. I contact the Department of Consurer Affairs and the Attorney General in AZ and was told to contact the Department of Financial Institutions. I  have volumes of letters from TCF Bank and the State agences that I requested help. 

TCF then went to a collection agency which of course has " Killed '' my credit and I don't deserve this false action. Because of this credit negative report on my credit report I now have to pay higher auto insurance and have declined to rent homes because of my negative credit report. I don't buy anything on credit mostly cash. So I did not have that much actions on my credit report in the first place. I will be more than happy to send you a complete file of the geneology of my letters and frustration with TCF Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX & XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!
Product: Debt collection

My complaint is against a collection agency that is trying to collect on an old debt that was paid for in full after it went into collections. I was never notified by mail or phone call about this. So now its been over nine years and I found out about through all three Credit Bureau 's. This Collection agency /Trident Asset Mangement is saying I owe {$2800.00} and refuse to remove it. So I got a hold of ( XXXX ) since they are the once 's that i had service with. XXXX now has no account listed with me since the debt was paid and is 9 years old. XXXX suggested that since its off the chart for me not to pay ( XXXX XXXX XXXX XXXX ) anything and to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my XXXX report so the information had to be verified through XXXX as well as the company. Not only that, I called to have the security freeze removed for XXXX days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, XXXX had my address for the last XXXX years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX accounts were removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/year> : XXXXXXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Ive identified multiple errors on my credit report involving accounts I didnt authorizeplease block and delete them promptly.
Product: Student loan

For the second straight year I have been put into an  IBR pl an as that seemed like the best  option. While I was able to sustain the amount from last year ( about {$380.00} I think ),  when it increased to {$410.00} for the second year it got really hard. As a result I have missed my monthly installment twice now and am currently du  e for two payments for this month.
I called Navient on   the way to work this morning and asked for some assistance and the lady I spoke to  XXXX  pretty much told me there 's nothing else they can offer me. I questioned them about the lawsuit against them by the CFPB and she pointed me to their website of navient.comacts which seems to explain their side of the suit.     The only plan they could put me in is a revised payment plan which would bring my payments down to {$350.00} a month but in order for that to happen I 'd have to mak e a one tim e level up payment of about {$1300.00} to bring me current.     I told  XXXX  that I ca n't afford my {$410.00} payment so what made her think that I could afford a one time level up payment.     She pretty much ended the call saying they 're nothing else they can offer me and I currently have no resolution.     The problem I face is the terms of my student loan require to base my payments on the combined income of my wife and I and we have several financial obligations include family support to account for.     I want to pay my student loans until such time the lawsuit makes a determination, but I ca n't afford the amounts they are quoting me. I do n't understand why I ca n't pay them $  XXXX  {$250.00} a month as it 's better to pay something than nothing.     I need some help as I clearly can not get through to th em. Navient truly is h orrible with their customer service and it 's clear as to why they are being sued by the CFPB. I hope they get it in the end and realize that a servicer they should be helping their customers not hindering him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to update these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to update these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for DELETION of the accounts below which are not mine. I am so baffled about this situation! You guys seem like a lot of passing the blame or no accountability. Well whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC and Police Report which I have filed, but nothing has changed. Now tell me, are playing around?! XXXX let me inform you that you are NOT COMPLYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

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: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of myAmRentreport sent to me via mail.
Product: Mortgage

Nationstar mortgage refused to give me a loan modification because they want to take my house. I have been told to contact XXXX XXXX at XXXX and no ever answers or returns my call. A while back XXXX put some envelope with paper work underneath a mat on a door of my house that is never used so I did not get the papers. Now NationStar is ready top foreclose and has removed the ability to send email messages on their site and they do not provide any email for the loan rep I am suppose to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Experian. checking the file ive noticed alot of invalid information. I am intrested in correcting all the errors.
Product: Student loan

Loan payments resumed ( due XXXX, {$110.00} on the XXXX XXXX  ) I paid the amount due XXXX. I received email confirmation of the payment. I received a notification from nelnet XXXX that I had a past due balance and the payment was never applied and instead started to accrue interest. I sent another payment on XXXX and again got a confirmation email. Again, the payment was not processed or withdrawn from my bank account. My balance now shows past due amount of {$350.00} ( XXXX months of payments not being processed ). I have tried multiple times to contact them by phone ( too long of wait times, multiple HOURS ) and by email. I have not heard a response since the end of XXXX from my email inquiry. Neither Nelnet or the Federal student aid has responded. My credit score is now lower due to the increased balances and " missed '' payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these inquiries from my credit report as soon as possible. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WAS A 2ND MORTGAGE WHICH I HAD FORECLOSED ON XX/XX/XXXX MY LOAN WAS WITH XXXX WHICH THE LOAN WAS SETTLED WITH THEM AND XXXX XXXX  SOMEWHERE ALONG THE LINE XXXX SOLD THE LOAN TO BAYVIEW LOAN SERVICING LLC WHICH IS REPORTING A REVOLVING 30/60 AND 90 DAY LATE PAYMENTS.. THEY ARE TELLING ME I NEED TO CONTACT A LAWYER OR THEY ARE GOING TO FORECLOSE ON THE PROPERTY. I HAVE SENT LETTERS CALLED, EMAILED AND HIRED A CREDIT RESOLUTION COMPANY TO TRY AND GET THIS RESOLVED. THEY KEEP SENDING ME LETTERS WHICH SAY I AM NOT PERSONALLY RESPONSIBLE BUT SAY I HAVE MADE PAYMENTS SO THEY CAN NOT REMOVE THE REPORTING STATUS. I HAVE AT NO TIME MADE ANY PAYMENT TO BAYVIEW LOAN SERVICING LLC. I DO NOT KNOW WHERE THEY ARE GETTING THIS INFORMATION FROM. I AM TRYING TO GET MY LIFE BACK TOGETHER AND PURCHASE A HOME BECAUSE CITIFINACIAL AND XXXX XXXX  HAVE BEEN REMOVED FROM MY CREDIT REPORT AND I WORKED HARD TO GET MY SCORE BACK UP TO A XXXX AND THIS BAYVIEW LOAN REPORTING IS STOPPING ME FROM GETTING A LOAN NOW WITH THE LIMITED STAFF I CAN NOT EVEN GET THROUGH TO THEM VIA PHONE ANYMORE AND THE REPEATED LETTER THEY SEND IS REPETATIVE. PLEASE HELP ME REMOVE THIS.
Product: Debt collection

I was contacted around XX/XX/2021 by a Capio Partners representative who said they were trying collect on a medical bill in the amount of {$300.00}. I asked whose name it was in and the lady said my name, which was a lie, but I have used this hospital before. So, I actually thought it was mine and she gave me the Acct number and address for me to send the payment too. I sent one payment of {$28.00} as I was mislead. 

I got the document from them on XX/XX/2021 and when I looked at the bill, the bill is for someone named XXXX XXXX, which I think was a friend of my ex-wife 's. Also they did not even spell my name correctly the addressed it to XXXX XXXX not XXXX XXXX. If the bill had actually been mine, I know the hospital has the correct spelling of my last name, but again this debt collector just told a blatant lie that they bill was mine and they could plainly see it wasnt.
Product: Debt collection

The company first started trying to collect a bill from XXXX XXXX that we did n't have. Now there trying to collect a bill with century link that we do n't have