23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FEB Destiny, and CB Indigo have violated my rights.

15 USC 1681 Sections 602 States I have the right to privacy.

15 USC 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I received a notification on my phone on XX/XX/XXXX about a transaction of {$630.00} from a merchant called XXXX XXXX and I reported it 9 minutes later. I also requested a new card number 30 minutes later after the transaction because I felt that the card information might be compromised. In addition, I never shared my card number with anyone in my household. I never received any product from the merchant either. Furthermore, the merchant XXXX XXXX is a local company based on XXXX, TX and I'm located in XXXX XXXX, TX and that is XXXX miles away. I contacted the merchant via phone call on XX/XX/XXXX because the website does not have an email address for support/customer service. Store representative told me that they dont have records of the purchase and he added that the store was closed from XX/XX/XXXX to XX/XX/XXXX because of the XXXX of XXXX holiday. I asked the representative for an email so I can email them and have a written confirmation ; however, he said that he can't give me his email address. That being said, I can't have an email from the merchant because he is not willing to provide me with an email or send me a letter. I also reviewed the documentation received on my mail by Apple Card/Goldman Sachs and the documentation is not legible. It looks really blurry and I can't even see exactly what it says. The little details I was able to understand is that the documentation from the merchant is actually provided by XXXX and not from XXXX XXXX. I feel like I'm stuck because Apple Card/Goldman Sachs asks for documentation but I don't have too much to provide because the merchant is not willing to help. Twice before I have spoken to supervisors with Apple Card Support. I have disputed the transaction XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with apple card/Goldman Sachs and the transaction has not been resolved in my favor. In addition, I paid all my balance except the transaction in question of {$630.00} and then cancel my credit account with Apple Card/Goldman Sachs because I'm no willing to pay a charge I didn't make.
Product: Credit reporting or other personal consumer reports

I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report.
Product: Bank account or service

My checking account at TD Bank was overdrawn. I had XXXX transactions which totaled roughly {$30.00} ( they were small transactions ). I was charged {$35.00} for each overdraft for a total of {$280.00}. Subsequently, TD Bank removed one of the charges, so the total of the charges is {$240.00}. I called customer service and spoke with a representative and a manager. I asked if the fees could be reduced because this was excessive. The representative said that the charges were all legal, which they are. However, my point is the charges are excessive and predatory. I am a XXXX, trying to do the right thing. I work part time, ironically at XXXX XXXX Representative. I do not mind paying one overdraft fee of {$35.00}. But XXXX fees is excessive. 
This also happened over the course of 24 hours, so it happened very quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target red card refuse to update balance on my credit report! Claiming theyre unable to change!! Im on a payment plan! I Try to make a phone payment on XX/XX/20 and XX/XX/20 but the service unavailable due to the holidays!! Made it a payment on XX/XX/20 ( no store branches in my town ). That shouldnt be reported late!! Because the payment was made it next business day!! And they need to update the balance of two billing cycles!!
Product: Credit reporting or other personal consumer reports

I submitted a letter in writing to formally dispute several items listed on my credit report generated by Experian on XX/XX/year>. After carefully reviewing my credit file, I have identified several items that contain inaccurate or incomplete information. In accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I requested that they provide me with the method of verification used to confirm the accuracy of the disputed items. for the following accounts : XXXX XXXX XXXX : XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX {$730.00} They Updated my Credit File As : Accounts Information disputed by the consumer ( Meets requirement.

It took them only 3days to do their investigation and never provide any documentation supporting these accounts proving that the truly belonging to me.

Due to their improper investigation, I am requesting that this account be remove from my credit file as soon as possible.
Product: Debt collection

This is what is occurring to me right now XX/XX/XXXX Friday, XX/XX/XXXX, I just received a wage garnishment from XXXX and XXXX PA XXXX Apparently, I was sued by them on XX/XX/XXXX. I was unaware of this until yesterday. I was never served or received anything regarding this lawsuit in XXXX. This was intentional, as they don't want you showing up to a lawsuit that is fraudulent/frivolous. 
I do not recall having a Citibank account in the previous 10 years. If anything, they were time-barred from filing a lawsuit. This is the reason they didn't want me to be aware of it. At the same time, this was said to me being served. My partner was being sued by XXXX. We were served XXXX 's paper with no problem. I find it hard to believe Citi couldn't find us. That's because they never tried. 
I pulled all three of my credit reports. There is no account from Citibank or XXXX and XXXX XXXX Not even under any collection agency of any name, for Citibank XXXX 
The judgment occurred in XX/XX/XXXX. I have been working for my employer since XXXX. Last Friday was the first I heard of wage garnishment. This last Friday they over garnished my pay. The amount in the state of Delaware they could have legally taken was {$29.00}. Instead, they took {$110.00}. I havent figured out why they are taking 400 % more than they should be. 
The first time I heard of this was XX/XX/XXXX. XXXX who issued a paycheck from my employer, mailed me a letter stating they were going to garnish my next paycheck. The sealed envelope clearly states that this is a wage garnishment This way my neighbors who get the mail for me and my postman can be made aware of my wage garnishment before I am even aware of it. Of course, nothing surprises me about this illegal transaction. 
I feel this wage garnishment was intentionally started and I was notified of it on a holiday weekend. The reason being I am unable to get in contact with an attorney, due to the holiday. I am aware the XXXX of XXXX holiday is a long one for most people. I have maybe 10 days to file something with the courts. Of course, they are closed as well. 
Ive got to give CitibankXXXX credit on a well-thought-out scam. Think of how many people will be scammed out of money. 
The amount I was sued for was {$2000.00} in the court of common pleas, XXXX XXXX, Delaware. 

PS. Do I have proof of everything I just stated? You bet I do. 

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

Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from transunion.
Product: Credit card

I had a credit card with XXXX bank. XXXX filed an judgment against me and then Capital One took over the account. Capital One said that they needed {$4400.00} to settle the judgment. I paid that amount with a Cashier 's Check on XXXX/XXXX/15. It was cashed on XXXX/XXXX/15. The judgment was supposed to be settled but as of XXXX/XXXX/2015 that has not been done.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I request that these accounts listed below and their account numbers be immediately deleted. I have also confirmed that I do not even have an XXXX credit report used to verify debt/account history/status that negates the previous statements of saying " verified '' and/or " accurate '' from the bureaus, which are false. 

Knowing that I have been affected by the Equifax Data Breach, I have also included proof of this. Additionally, I will attach a copy of the current suit filed against XXXX that illuminates how XXXX has negatively and deceptively made false claims about following FCRA practices to accurately and thoroughly research any disputed information for millions of Americans over the years. I would also like to highlight that none of the three bureaus ( XXXX, XXXX, or TransUnion ) allow me to dispute directly with them online, prompting my follow-up and inclusion of the CFPB 's protection. I have also included before-and-after credit reports showing when items in the past have been removed ; they are not reported accurately across each CRA, as required by the FCRA. Lastly, many of these accounts ( even in a closed status ) are being updated with a new balance, which violates my rights and allows for erroneous updates of late payments, further damaging my score, report, and financial ability to provide for myself when applying for necessities granted by having a healthy credit score. 

Below are the accounts I want to be removed and updated as such from my account : XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX | Status : Closed | Balance Updated : XXXX  XXXX  XXXX XXXX : Account XXXX XXXX XXXX | Status : Closed | Balance Updated : XXXX  XXXX XXXX XXXX : Account # XXXX XXXX XXXX Status : Closed | Balance Updated : XX/XX/XXXX Collection Accounts : XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX Absolute Resolutions I/ Investments : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XXXX XXXX, XXXX | Balance Updated : N/A Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan mod was approved and signed mod received by PHH on XXXX PHH has not reviewed loan mod All payments are current accordingly This foreclosure is illegal Person pursuing foreclosure is from XXXX
Product: Credit reporting

The accounts listed below are reporting on my consumer credit report in error : Creditor : XXXX XXXX Referenced Account # XXXX Creditor : XXXX Referenced Account # XXXX Creditor : PUBLIC RECORD Referenced Account # XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency is reporting information on the consumer report that is incorrect and not accurate such addresses and phone numbers I've also ask for documents to verify the debt is verified from the original creditor they have listed and that the open date listed is correct I've yet to receive any documents it seems like it's the same process happening they wait a couple days respond nothing changed I will like to see documents of the steps taken to resolve the issue the consumer rights is being violated according to the FCRA
Product: Debt collection

XXXX XXXX XXXX in XXXX XXXX Nc XXXX / flooded my apartment with sewage the spewed from toilet all over the apartment around 2/3 Inches / do to a tree on the property that had grown and had put pressure on the pipes. They refuse to clean the sewage and force me live in unacceptable conditions / I abruptly moved they are staying on my credit report I own XXXX this fraud and unacceptable living conditions / I have notice by written signature before lease was to renew manger is a fraud and I will contact XXXX
Product: Credit card

Chase sent me an email saying I do n't need to contact them unless a transaction was fraudulent. I did n't and they then put a hold on my account w/o notifying me. After doing this they still sent me a balance transfer check that I deposited in my account to complete a balance transfer. They again sent me an email and said only contact them if it WAS fraud. It was n't, so I did not contact them. Chase then returned to maker and I was charged a fee from bank for Chase canceling the check. Chase refuses to pay for the fee caused by their mistake. If they had put a hold on the account why was I not notified? Why would they still send me balance transfer checks knowing they had a hold on the account? They claim those checks are sent automatically, but that is misleading to the consumer. When you receive the check and have the balance, you assume it is useable. You have know way of knowing there is a hold and that the check will be declined, resulting in a returned check fee from your bank. This is a serious flaw and is likely costing several customers like it did me. This practice is harmful to the cardholder and should be stopped. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Product: Student loan

On XX/XX/XXXX I filed a complaint against Nelnet regarding their poor execution of e-mail notifications resulting in confusion, annoyance and hardship given conflicting information making it difficult to correctly budget for repayment. Nelnet has since reached out and explained that my problems were caused by having multiple due dates each month. The representative that I spoke with told me it was an easy fix and it could be done upon my request. Why this isn't automatic is beyond me. That discussion occurred on XX/XX/XXXX. On the same day I made a payment for the amount due shown on the website with confirmation number XXXX. Today, XX/XX/XXXX, I received an email notification from Nelnet informing me that my account is past due which requires " immediate action. '' I called Nelnet customer service and was told that despite my payment confirmation letter indicating an authorization and effective date of XX/XX/XXXX, in reality, it takes " a few days '' to apply. This, despite the money having already left my bank account. The irony is not lost on me that I spent three years in graduate school studying organizational leadership and process improvement and how have to use that education to criticize the very company that services the loans which paid for the education. As noted in my first complaint, asking that the company ensure their email communications are accurate and the underlying technology and operations which feed that process are correctly aligned should not be a big ask. This is fundamental to the operation of any business. Nelnet can and must do better.
Product: Debt collection

I received a text message on XX/XX/XXXX and again on XX/XX/XXXX from Dynamic Recovery Solutions claiming I owed XXXX. 

I called XX/XX/XXXX, and spoke to XXXX XXXX. She claimed LVLN and Resurgent hired them to collect on an account that should never have been sold. As I shared with her, I would provide the complaints previously filed with CFPB in XXXX, along with the documentation from the XXXX XXXX XXXX stating they do not have an account for me. 

Following is a copy of the email sent to Dynamic Recovery Solutions on XX/XX/XXXX : To Whom It XXXX Concern : I spoke to XXXX XXXX the afternoon of Thursday, XX/XX/XXXX regarding a collection attempt. I have never received any letter, yet did get a text, which makes me suspicious. As I shared with XXXX when I called directly, the information she has is incorrect ; therefore, I am attaching some of the documentation from a case I filed with the Consumer Financial Protection Agency back in XXXX. 

Of particular note, I corresponded directly with XXXX regarding this claim. As youll see in the letter dated XXXX XXXX, XXXX, from XXXX XXXX, Assistant Vice President of Customer Relations, XXXX found they did not have record of any reports to credit agencies. 

Finally, regarding the ongoing harassment of the collection agencies, this account should not have been continued to be sold. The previous company posted this resolution to my case on XXXX XXXX, XXXX : Good afternoon, In light of the consumers circumstances we have elected to permanently discontinue all collection efforts on this account. The account has been recalled from the servicing agent and is now closed. 

Please let me know if I need to reopen and file new complaints with the Consumer Financial Protection Agency. I will need to know exactly which companies are involved in this continued harassment to me. Otherwise, please respond letting me know that this case is closed and whatever account in question will not continue to be sold. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX Again, all documentation to that email to include the following previously filed cases : XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Resurgent Capitol stating they are reviewing an account for LVNV funding. I called the number and spoke to XXXX. This person was asking for personal information including my Social Security number, as well, which I refuse to give as I believe these people are scammers. 

XXXX  XXXX, XXXX is listed on the letter. As I told XXXX when I called the number on the text message, at no point have I received any previous communications about this from that entity, which again leads me to believe these companies are scammers, especially as this was resolved years ago. 

This was resolved long ago, yet I continue to get harassed by these companies, who want to know my personal information, where I work, and I have been contacted at work during the previous filed complaints.
Product: Mortgage

My Loan was recently sold to PennyMac. I am noticing the payments I send to my account aren't being credited but instead held in escrow. Also since they purchased my loan I have racked up roughly 200 dollars in fees. Namely, property inspection fees for a total of {$180.00} since receiving my loan from XXXX XXXX. The fees are {$75.00} date XX/XX/XXXX/19 another {$75.00} fee on the same date XXXX/XXXX/19 for " property preservation ''. I also see fees of {$15.00} on XX/XX/XXXX/2019 for " property inspection fees '' and another fee on XX/XX/XXXX/19 for " property inspection fees ''. I have sent enough payments to bring my loan current but seems they are not crediting me but instead holding the money in escrow. I am not sure why. I have read a lot of complaints and also I have personally experienced horrible customer service.
Product: Debt collection

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. 

For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the XXXX as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Product: Checking or savings account

I am filing another complaint because the complaint ID XXXX was not addressed by SOFI Bank XXXX SOFI bank illegally turned this dispute from a merchant dispute to another one so they could avoid XXXX XXXX and have more time for the dispute to be handled. SOFI claims that XXXX XXXX ( XXXX ) has not returned the {$710.00} to my account even though XXXX XXXX has contacted SOFI and given them both a payment auth form and proof of returned funds to card. Attached are both forms to proof along with an email that proves they have contacted SOFI. SOFI claims the dispute can a longer expiration date and they are awaiting the merchant to respond. Attached is proof that the merchant has tried getting in contact with SOFI and I have shown this proof to SOFI but they keep lying from the back office. I demand that this be sent to a attorney generals office so they can look into SOFIs practices. FDIC needs to also be involved and other government agencies as they are not properly acting as a bank.

ONCE AGAIN, please look at the attachment in which the Paymentus has tried to contact SOFI and they are lying about awaiting merchant response. They just want to allow this to expire so they do not have to do any work from the back office team.
Product: Checking or savings account

Bank of America closed a personal checking account in XX/XX/XXXX without notice. 
The impact of the actions is seen on the credit score which thus far has been in the 700s and has dropped to below 600. 
Communication with various front line staff has not provided any feedback as to why the Bank suddenly closed the account after being a customer from XXXX. 
The resultant implications include : not being allowed employment on account of credit scores Communications with possible employers Intent to repossess property which is mortgaged through XXXX under XXXX XXXX Requiring information verbally but not providing any written documents thereafter for more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX Date Updated : XX/XX/2021