23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello US BANK, this is XXXX and Im writing about my US BANK account I recently opened, Im requesting for that checking account to be closed and online ID closed as well. 

I would like a cashiers check mailed to me in the amount of {$25.00} ( the funds in account from my initial deposit ). 

Thank you- XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to secure my free annual TransUnion credit report from XXXX XXXX XXXX since XX/XX/2019. I also tried to secure it on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time I have received the same message -- TransUnion is experiencing " technical difficulties, '' and I should try back later. I have made my requests at all time so of the day, from early morning to mid-afternoon to lat at night. Given the number of attempts that I made, it is inconceivable that I just happen to be making my requests when TransUnion 's system is down. It would appear that TransUnion is knowingly allowing its system not to operate or is being grossly negligent in maintaining it. In either case, federal law gives individuals the right to get an annual free credit report, and XXXX XXXX XXXX has been established to facilitate this. No credit bureau should be allowed to negate this right by failing to provide and maintain an operation system for accessing one 's credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request for IRS Form 1099-C and Clarification Regarding Charge-Off Dear Absolute Resolutions Investments , LLC, I hope this letter finds you well. I am writing to formally request the IRS Form 1099-C for the charge-off associated with my internal account number XXXX, originally from XXXXXXXX XXXX XXXX ( Account Number : XXXX ). 

It has come to my attention that your records may still indicate an outstanding balance despite the account being marked as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies regarding my credit information, including the incorrect reporting of debts that have been charged off. According to 15 U.S.C. 1681 ( g ), I am entitled to obtain all relevant information regarding any account and its status.

The inconsistent information regarding this account, where a charge-off is reported while still claiming I owe on the debt, constitutes inaccurate reporting. This situation potentially exposes me to statutory damages due to the false implications regarding my financial obligations under the FCRA. To clarify this matter, I kindly request the following : 1. The issuance of an IRS Form 1099-C for the charged-off amount.

2. A detailed explanation of the status of this account, including any remaining alleged balances and how they are categorized in your records.

Please treat this request with urgency, as misreporting accounts can have significant repercussions on my credit profile and financial standing. If I do not receive a satisfactory response within 30 days, I may need to consider taking appropriate legal action to protect my rights and seek redress for any damages incurred as a result of these inaccuracies.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

I have previously submitted a complaint #  XXXX  on  XXXX  that is still ongoing. The complaint is in regards to mishandling/misapplication of my payments among other issues. Since Huntington has taken my mortgage loan over from  XXXX   XXXX  there have been many issues that led to the original complaint. Because of the nature of those issues, I certainly do not want to keep handing money over for them to continue to be mishandled until the issue is corrected. I have since been receiving calls, letters, messages, even though I have stated very clearly that I have the open complaint and explained the nature of it and why I do not want to make further payments until it is corrected. The calls and letters are still continuing, with another call and a letter this morning. I do not find it unacceptable to have their collection department calling and mailing me like I have done something wrong- the reason I have not made recent payments is because the last time I made a payment on  XXXX  ( after I had told them there was an issue ) I was assured the issue was corrected. Except it wasn't- they said that just to get money then misapplied it as I was promised would not happen. I should not be responsible for or harassed because of the length of time that it is taking them to correct it.     On an even more concerning issue- the person I spoke with on  XXXX  that called to 'collect the payment ' showed that there is a deep issue within the company and/or with my loan. He stated over and over- and over- again that my loan is an interest only loan, except it is not. No matter how many times I said it was not, he repeatedly told me it was and that my complaint is wrong and I just need to pay because that is what I owe and 100 % of my payment will go toward interest. The obvious issues here are ei ther 1 . He is just saying anything to try to get money, including telling customers completely wrong information a bout their loans and even telling them they have a different loan type than they do, and/or 2. Huntington has indeed changed my loan type to an interest only loan, which it is/was not. This is a horrible tactic and one that would certainly confuse or scare many customers that may not be knowledgeable about their loan, particularly in something such as an ARM loan. Whether he was lying to try to get money or Huntington has taken it upon themselves to change the loan type, neither is acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only owned one credit card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, Bank of the west sent me a new card after my credit card got fraud charge. Then, Bank of the west made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited Bank of the west 3 times and must had called them 7 times 3 weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about 3 weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. Bank of the west representative stated they started investigation more than 30 days ago. I heard that at least 3 times from different representatives over 5 months. They never called me back. I called them multiple times, they have made no progress, in past 5 months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from bank of the west. I desperately need to fix credit score to buy a condo. Thank you very much.
Product: Debt collection

XXXX XXXX XXXX XXXX on behalf of Jefferson Capital system llc has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
Product: Debt collection

Addendum to Case # XXXX ... .This is in regards to an account with a credit union. The direct deposit from the VA was not properly routed ( See attached ). Deposits had to be made in cash, at a local credit union branch. On XX/XX/XXXX, payments were processed via bill pay, before the deposits posted. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unbeknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day late to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. I had a bill payment service approve payments while there are insufficient funds in one 's account. I have also attached proof some payments were attempted more than twice. According to credit card companies, when a payment is returned, that payment is applied to the balance, unless otherwise instructed. I did not interfere with the processing of the credit card payment. I was informed by the credit card company, a notation was placed on the payment, therefore causing the card to become late on my credit files. Furthermore, this company has not mailed me at my mailing address, in regards to this matter. I have provided notes from a conversation with XXXX XXXX, in regards to what was to happen if a payment is returned. Also, I have included verification of the Direct Deposit that was intended for my credit union for XX/XX/XXXX. Also, the address the credit union, as well as the USPS, and the Department of Veteran Affairs, as of XX/XX/XXXX. Also, I only received notification of this alleged debt after receiving a phone call from this company, on XX/XX/XXXX. I requested a letter be mailed to me in regards to this matter. I never received such letter. As I was contacted less than 21 days after the payment was allegedly made, there was no attempt to resolve this matter within the credit union. I was not allocated the full thirty calendar days to dispute this alleged debt. as it has been now over sixty calendar days, and I still have not received formal notice by postal mail, this alleged debt is hereby invalid. As you mentioned in your previous answer to the CFPB, my address was considered as " invalid '', according to your company. As an alleged collector of debts, my address could have been obtained by contacting the credit union itself or by conducting " skip tracing '' with the credit bureaus. Also, I find it rather perplexing how you had an invalid address when you contacted me via telephone. I also informed you of the correct mailing address per our telephone conversation on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 The car was in a accident and total the insurance need to come out and inspect the car I explain to usaa that I will not be making a payment the vehicle will be in inspect and when I receive the payment for damages I will make a payment to the loan and work on getting a new vehicle and combine the rest of that loan amount with my new loan. They told me that the car would not be repossessed because it was damaged and I was waiting for settlement but the inspector came out and the car was gone so they denied my claim for the accident
Product: Credit card or prepaid card

I have been deniged credit cards throw XXXX card company and XXXX card company and XXXX   card company and XXXX XXXX company for XXXX years now ( only pre-paid could I get ) You have a XXXX states fraud scams using my documents and a XXXX  states business permits scams listed frauding my documents XXXX  states products frauding my documents as food and clothing and shelter like homes and RVs and then as topical maps for sinage Fashion show fashion industry frauding my documents Government business permits scams frauding my documents Frauding scams using singers and bands and actors frauding my documents Frauding scams using my documents as attorneys and lawyers and judges and law partners Frauding scams using my documents as politican listings Frauding scams using my documents as banking business permits scams Frauding my documents as herds of XXXX listings Frauding my documents as sports players and sports permits Frauding my documents as dictionary companies term 's and dictionary products Frauding my documents as auto stores Frauding my documents as a boat XXXX Frauding my documents as XXXX states diner menus Frauding my documents as XXXX  states grocery store products Frauding my documents as advertising Frauding my documents as accountant and CPAs Frauding my documents and books and book authors Fraud scams using XXXX pages Frauding my documents as auto repair.. frauding my documents as RV products using XXXX. frauding my documents as theater groups Frauding my documents as XXXX trucks Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as corporation Frauding my documents as XXXX XXXX Frauding my documents as international business permits scams Frauding my documents as XXXX XXXX scams and XXXX business permits Frauding my documents as XXXX XXXX scams and business permits Frauding my documents as reality agents and offices Frauding my documents as banking business Frauding my documents as furniture store and bedding products
Product: Credit reporting or other personal consumer reports

I applied for a loan consolidation of my XXXX  loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to XXXX XXXX. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent XXXX and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance XXXX  from what I originally owed in XXXX  loans which is XXXX now your records shows over XXXX. I noticed they were showing my XXXX  loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold XXXX  times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on XXXX  loans that should be removed by now. Ive attached a document showing when my loan was with the XXXX  servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they XXXX some other loans and removed them from my credit report.
Product: Checking or savings account

I dont remember the exact dates but for the last 12 years I have been charged lots of overdraft fees for nothing. They used the automatic system to XXXX the customers with bunch of overdraft fees. You make payments on time they hold it and wait when your account is low and then they processed they payments and bring your accounts with negative balance so they can charge you {$35.00} overdraft fees. I am a victims of that XXXX.
Product: Mortgage

In XX/XX/year> I was layed off and during XXXX XXXXXXXX I reached out to my Mortgage company PHH Mortgage to see if there was any assistance available to help with 2 months of payments ( XXXX and XXXX ) so I wouldnt risk falling behind. They responded that they were there to help and could assist but needed 5 days. 5 days later I called back only to be told they were sorry and would need another 5 days. 5 days later I called back and was told I would need to submit a mortgage asssistance application with all relevant information. I submitted said material and got a confirmation in late XXXX that it was received. I called again to be told they needed 30 days to work with lender. 30 days later I checked back and was told more information was needed which I sent. several days later I was told additional info was needed which was sent. Each time a scheduled " Relationship manager XXXX XXXX '' who was assigned had either no further information or information that was old. By XX/XX/XXXX I was officially 2 payments behind which I have never been before but they had told me not to worry that since this was in the process I wouldn't have issues with foreclosure risk or reporting to credit agencies. I have asked several times to just let me know if they could help " yes '' or " no ''. I got a report on my credit report anyway that I was behind and lost several points. As of today XX/XX/year> I have caught up on my own as they still have no further news or help and I dont want it to get in additional danger. I just want to help others avoid a similar experience. They are very nice but definitely not there to help the homeowner. I have been extremely disappointed overall with this process and complete disregard for their client ( me )
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA
Product: Debt collection

On XX/XX/XXXX I sent a debt validation request and national credit system has failed to respond! See attached.
Product: Checking or savings account

I wanted to close an inactive checking account with this bank. They claimed I still had an outstanding claim with them. From almost the maximum 90 days. What do you know? They reversed the claim and tried to extort the money from me ( a fee ) in order to close this account. They also locked me out of online access to my account and I was unable to verify the details of this alleged transaction. They now have sent me to collections, with no notification, for this extortion money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Crediting Reports Act XXXX XXXX account ending in XXXX Financial has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Also 15 U.S.C 1681section 2 it also states a company reporting agency can not furnish a account without my written instruction.

15 U.S.C. 166B A creditor may not treat a payment under an open end consumer credit plan a late for any reason.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. 

When I recently called XXXX directly, they said they had no account under my name ENHANCED RECOVERY COMPANY , LLC says XXXX internet/cable bill was for the address at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX But I never lived at # XXXX, I lived at # XXXX, so obviously ENHANCED RECOVERY COMPANY , LLC is either charging me for someone elses account and they never sent me a notice to the right address. 

Account Information : ENHANCED RECOVERY COMPANY , LLC account : opened date : XXXX XXXX, Balance {$51.00}, This situation for me is stressful, it has affected my credit score. 
I want the remove acccount from all bureaus ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

These aren't my accounts. Please remove them.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address serious violations committed by XXXX XXXX XXXX XXXX Equifax, XXXX and XXXX regarding the illegal reporting of my student loan information. 
Violation of Family Educational Rights and Privacy Act ( XXXX ) Under XXXX, schools are required to have written consent from a parent or eligible student before releasing any information from a student 's educational record. I have never provided any written permission or contract authorizing [ XXXX XXXX ] or Equifax, XXXX and XXXX to disclose or report my educational records. 

XXXX only permits disclosure without consent in limited circumstances ( XXXXXXXX XXXX XXXXXXXX ), such as : * To school officials with legitimate educational interest.


* To comply with judicial orders or lawfully issued subpoenas. No such circumstances apply here. If [ Creditor Name ] believes I provided written permission, I formally request that documentation pursuant to Rule 1002. Violation of 15 U.S. Code 6801 - Protection o
f Nonpublic Personal InformationExperian, Equifax and XXXX have violated federal law by failing to safeguard my nonpublic personal information, as required under 15 U.S. Code 6801. This statute imposes an affirmative obligation on financial institutions to protect the privacy, security, and confidentiality of customers records. Specifically : 1. You failed to secure my records and protect them from unauthorized disclosure. 
XXXX. You unlawfully furnished my private educational records to credit bureaus like XXXX, Equifax, and XXXX, which have experienced multiple data breaches. 

Identity Theft Under 18 U.S. Code 1028A Your unauthorized use of my private educational records amounts to identity theft. Under 18 U.S. Code 1028A, it is illegal to knowingly use a means of identification without lawful authority. By reporting my student loan information without permission, you have violated my rights and caused significant harm to my creditworthiness and personal reputation.

Impact on My Life Your unlawful actions have caused severe inconvenience and harm to my life, including : * Denial of credit applications.

* Adverse actions that have affected my financial stability, reputation, and overall quality of life.