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

On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. XXXX deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with JH Portfolio and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as JH Portfolio Debt Equities , LLC 's ( " JH '' ) response to same. As stated in our response for case # XXXX, JH deleted the tradelines for the account in question in XX/XX/XXXX. JH reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, XXXX, & XXXX. JH utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, JH will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to XXXX on XX/XX/XXXX.  On XX/XX/XXXX XXXX responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how XXXX has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.
Product: Student loan

Since loan inception I do not believe the companies of the loans were incorrectly applying the full federal interest subsidy and the 50 % unpaid interest subsidy thus capitalizing a higher amount of interest.
Product: Debt collection

I have already disputed the illegitimacy of this debt with credit bureaus successfully, twice. After the first successful dispute in XX/XX/XXXX, Credence Resource Management passed my account off to a company called XXXX XXXX in the summer of XXXX. After another successful dispute in XX/XX/XXXX, Credence Resource Management is back to contacting me trying to collect on an amount that I do not owe. My accounts with XXXX are settled and their billing after my cancelation included multiple duplicate charges that are fraudulent. All of this has been explained to Credence Resource Management, Receivables Performance, and credit bureaus ( XXXX, XXXX, XXXX  ). 

Credence Resource Management now says if I pay them the amount that I do not owe they will consider the account closed and not report it again ( for a third time after two successful disputes ... ). Credence Resource Management says if I do not pay them within 30 days ( as of XX/XX/XXXX ), then they will go back to reporting this illegitimate debt to credit agencies again despite two successful disputes.
Product: Money transfer, virtual currency, or money service

I made a zelle transfer through my Chase bank mobile app on XX/XX/XXXX2022 in the amount of {$2000.00}. I missed the numbers on the email address but it showed the unintended recipient was a registered zelle with the same name as my intended recipient. Therefore I authorized the transfer to a stranger by mistake. I found out after a few minutes when my bank confirmed the transfer has been sent but my intended recipient did not receive it. So I called my bank right away to resolve the error. I was told that theres nothing they can do to cancel it but I can file a claim once the transaction is posted on my account. The next day, I was able to file the claim through the phone. They sent me a temporary credit for the transaction on XXXX while their claim back office do their research. I received the update letter on XXXX stated that my claim was unsuccessful because I have authorized the transaction and that they will take back the temporary credit on XXXX/XXXX/22. I requested for the details of their research but they were unable to provide it. All they said was that they tried to make a courtesy request for the money back and it was denied. 

I also attempted to email the recipient several times to kindly request for my money back but I received no responses. I also requested for the money through XXXX and no response. Im under so much stress and went online to try to look up the recipient and was able to find her phone number. I made a phone call to her the first time on XXXX and to my surprise she answered. I could tell she was also very surprised for my call. She somehow admitted that she received my money but she didnt want to deal with any XXXX XXXX for fear of being scammed. She said she wanted the banks to deal with it and she confirmed she banked with XXXX  XXXX XXXX. So I called my bank to request them to try again to get my money back but they refused. They said that I would have to ask the recipient to file a claim with her bank to return my money and again that there was nothing else they could do. 

I tried contacting the recipient again by email, text, and phone call without any responses. I believe that she blocked my number now. At this time Im pretty sure that the recipient does not want to return my money all along otherwise she can easily complete my request or have her bank return it.

I learn such an expensive lesson with a big loss of money through the zelle transfer app. Its just so disappointing that there is no protection at all when you make a mistake and that my bank ( Chase ) just would not try hard enough to resolve the issue.
Product: Mortgage

I am being sued for foreclosure by a group of companies : Selene Finance/Selene Holdings and XXXX XXXX XXXX and XXXX XXXX  and possibly others that have joined the suit I have not had a hearing. My lawyer and I have - filed in court requesting for discovery - tried to negotiate, submitted offers only to receive outrageous responses, - never once been offered the option to refinance, or do a loan modification The plainriffs ' lawyers have buried the court in hundreds of papers- many false or falsified, or misrepresentative of the actual facts None of these companies have ever once sent a piece of mail, made a phone call, or tried any in way to collect the " debt '' they are pursuing in the foreclosure. As the defendant I have never received any relevant information to make a payment or attempt to negotiate new loan terms. There are no documents with account numbers, or amounts owed, or payment process and submission guidelines ever received. 

There is a hearing for summary judgement this month I would like additional defense assistance against the illegitimate business practices of these companies. 

Please publish my information so that others may be aware of the unscrupulous practices of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents. I have disputed an account that Transunion is reporting in error EIGHT times, since last year stating in XX/XX/2021. They have not been able to send me proof of how they " verified '' the inaccurate information. This is clearly an reporting error and a VIOLATION of FCRA and it is to the point that if this is not removed /corrected I will pursue legal action against them,
Product: Credit reporting or other personal consumer reports

This account is involved in litigation. 

Navient # XXXX # XXXX # XXXX Under the doctrine of Estoppel by Silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
Product: Money transfer, virtual currency, or money service

Zelle failed to investigate my claims adequately. 
They informed me that recovering lost funds was impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims to have verified a medical debt claim against me and the information is not right. The date and time of event I was out of state and had no medical needs. I filed dispute but they claim it is accurate. Not true.
Product: Credit card or prepaid card

I disputed {$250.00} charge with XXXX through my Bank of America credit card. I did not know why I was being charged the fee. When I found out I sent back damaged laptop. I asked that BOA credit me or wait until XXXX isdued credit but BOA refused to do so telling me I had to pay the fee otherwise I would be punished for late payment.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I told the representative I rather mail in payments and they told me they could removed my banking information and I told them to cease all verbal communication only mail and they refused to remove all numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with the BBB against Equifax for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB Equifax claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Comenity account in full recently and the company did not report the pay off to the credit bureaus having a major and significant impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, my credit report was pulled on XX/XX/2017 without my permission for a fraudulent auto loan by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then went forward with securing permission dated XX/XX/2017 ; one day after pulling my credit report. See attached. The fraud then resulted in a fraudulent auto loan.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$15000.00} was deposited into our Wells Fargo checking account ending in XXXX. Funds were posted on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo removed the funds from our account with the reason that the check was fictitious. Wells Fargo service contacts were unhelpful in determining the sequence of events or in explaining the long delay in notification. In discussion with XXXX XXXX it was determined that the check was valid but had been remote deposited on XX/XX/XXXX. It took XXXX over a month to identify the recipient of the funds, XXXX XXXX XXXX, who had deposited a copy ( the original was given to us without endorsement ) of the check into another account without endorsement from us. XXXX XXXX XXXX was our realtor and they claim no knowledge of the reason for the misallocation of funds and have subsequently sent a new check to us and we have deposited it. Wells Fargo XXXX # XXXX was closed with no explanation of the delay in notification of a problem with the check. XXXX was unable to explain the reason that they transferred the funds without endorsement of the named parties. This process took 2 months to resolve with little assistance from either bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX i withdrew {$500.00} from my wifes sound credit union card. On XX/XX/2023 approximately XXXX at XXXX XXXX XXXX XXXX XXXX, WA XXXX. I inserted my XXXX XXXX XXXX XXXX card into the CO-OP ATM attached to the XXXX XXXX XXXX building right next to the front door. I inserted XXXX {$20.00} bills, {$1000.00} cash into the atm, i did not click to receive a receipt because ive never had a problem with this ATM. A message popped up on the screen saying i could not deposit more than 30 bills so i clicked to have the cash returned, as it counted my money an error message popped up saying the cash couldnt be returned and to continue with the deposit. The machine then beeped for me to remove my card, when i went into the XXXX the manager told me to go to XXXX and when i went there the XXXX representative said there was nothing to reflect on my account. The XXXX XXXX debit card dispute team did an investigation into the matter and provided me with a {$1000.00} provisional credit for the duration of this investigation. On XX/XX/2023 without warning the {$1000.00} credit was removed, when I called XXXXXXXX XXXX they said that the investigation results came back and there nothing appeared wrong and that XXXX XXXX XXXX told them I had benefited from the transaction.The transaction of my {$1000.00} I still havent received? That makes absolutely no sense, when I talked to the branch manager in person at the XXXX, she had told me that the people that count the money from the CO-OP ATM will be able to tell if there is money thats unaccounted for and that I would be able to get that money if they found it, but I havent been told anything and I still dont have my money.
Product: Credit reporting or other personal consumer reports

I contacted XXXX regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : - XXXX XXXX XXXX XXXXXX/XX/year> - TD AUTO FINANCE / XX/XX/year> - 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 XXXXXX/XX/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.
Product: Vehicle loan or lease

On XX/XX/2018 my son-n-law and I purchased a vehicle at XXXX XXXX XXXX XXXX, El Paisano. We specifically told then he did not have a drivers license. They still let him test drive it and finance it. I asked if he was gon na be able to get insurance and they said yes and they even suggested XXXX. We called XXXX and everywhere we could and we couldn't. I did obtain insurance on the vehicle just not him on the policy. Well they demanded for him to be on it. So we weren't able to so they took vehicle away and didn't give us our down payment back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1692C
Product: Checking or savings account

I will like to report the unethical practices of PNC Bank and how they deliberately re-arranged and backdated my transactions in order to charge fees to my account. My account was charged and debited multiple times and I called my branch and Customer Service over 7 times to complain. They escalated to the Executive Escalation Department and I even wrote twice to Ms. XXXX XXXX and left 5 messages. She eventually spoke with me and was totally unhelpful, claiming that the bank was right in charging me. Her attitude was that there was nothing I could do since it's just me against a big company! She arrogantly told me to go ahead and escalate to the authorities. 
I had funds in my account as at XXXX XXXX, XXXX and I did 3 transactions with a positive balance of {$3.00} at the end of the day. On XX/XX/XXXX, 2 payments hit my account and before I could deposit more funds into it, PNC charged me overdraft fees 5 times for the 3 transactions I did the day before plus the 2 new ones! That is $ XXXX {$180.00}. This is so very fraudulent and unethical! I had a positive balance as at end of day on XX/XX/XXXX. 
I have attached relevant receipts and account activity reports. 

Also, on XX/XX/XXXX at XXXX, I got an alert from PNC Bank that my account was overdrawn by {$54.00} due to a payment. I deposited {$200.00} CASH through a PNC ATM at XXXX on the same day. PNC deliberately kept my cash deposit pending from XX/XX/XXXX to XX/XX/XXXX and proceeded to charge me {$36.00} as overdraft fees! I called Customer Service again and they said they couldn't do anything about it! 
It is so totally unfair for the bank to defraud its customers this way. There was no reason to pend my cash deposit for TWO DAYS, especially since I used a PNC ATM. Even their overdraft alert notice states clearly that you can make a cash deposit through their ATM to avoid any fees. 
PNC Bank can program their system to debit customers in a chronological order. Transactions should be posted as they occur instead of re-arranging transactions to ensure that customers accounts can be charged unnecessarily for overdraft fees. PNC sends account balance transaction alerts after every transaction, so how come they send one balance to customers and claim that there is a different balance in their system? This is just an excuse for their malpractices. The same system can not be showing multiple balances unless it is deliberately rigged to ensure that unsuspecting customers are charged fees fraudulently! 
I am requesting that my complaint should be investigated and the bank should REFUND all the fraudulent fees they charged to my account. The bank officials feel that they are too big to be reported or to get consequences for their unethical behavior. Please intervene. Thank you.
Product: Debt collection

Ive been getting harassed for quite some time Im getting told Im going to get sued/ arrested for something I didnt even do I even contacted a buddy who works in that company he says that what the job is doing is 100 % wrong
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : N/A I dont have a employer I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX