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

This company XXXX XXXX XXXX just showed up on my credit and I have requested it be removed from all 3 credit reports and it has not been. I have and have had an arrangement with the department of education directly, they themselves said they don't know who this company is or why they are showing on my credit report. It's been removed from XXXX but not XXXX   or XXXX I've requested it be removed because the college I went to went into bankruptcy and I was told since I didn't have a legal arrangement with them they can not try to collect from me nor 1should they be showing on my reports, not to mention I've already BEEN on an arrangement and paying for them with department of education. I am trying to buy a house and right now this is the only thing preventing me from doing so, please help ...
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed these accounts on my credit report and XXXX  and equifax replied to me that these inquiry 's came back as verified, I told XXXX  ive talked with both banks and they told me to filed a ftc report which i did, I need the method of verification both XXXX  and equifax used to verify these accounts because at this point they are automating these disputes and saying they came back verified. I DID NOT MAKE THESE INQUIRIES TO THESE COMPANIES. 

method of verification i need : 1. the name of the person they spoke to to verify these inquiries.

2. the persons phone number which they called to verify.

3. what date did they speak with them on.
Product: Student loan

My initial student loans were with Navient when I was attending XXXX XXXX XXXX in XXXX XXXX- it was not an option to select in the school dropdown box. That school has since closed. But regardless, my loans were thru Navient & with the legal trouble Navient has my loans were sold to Aidvantage, Im trying to understand whether or not they will be dismissed or if Ill be compensated for their fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I request that the following accounts and inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 1. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$150.00} 2. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2700.00} 3. XXXX  XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2900.00} 4. XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$1700.00} 5. XXXX XXXX  XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$160.00} Fraudulent Inquiries : 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I deposited cash and a check over the last 2 days with a positive checking balance and somehow my account is showing negative XXXX dollars. What are these thieves at BB & T up to?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$760.00} Unauthorized inquiries 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 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 recently reviewed my credit report and noticed fraudulent activity, please investigate this immediately
Product: Mortgage

I called to have requested for PMI and Escrow to be removed from my mortgage on XX/XX/2022. 
The mortage servicer only acknowledged the PMI be removed by sending me a letter and check for PMI refund. 
I called about why my Escrow wasn't removed on XX/XX/2022 and they said they didn't know. I requested for a supervisor to review the call and notify me why my escrow wasn't removed. 
On XX/XX/2022 I called to ask what the status is of my request for Escrow to be removed and the status of my previous request back in XXXX. They advised me that a call recording pull requires a written notice. They also notified me that the escrow request wouldn't be available for review until XX/XX/2022. 
This implies that my money in escrow is being held hostage and I am attempting to collect a debt from the debt collector.
Product: Vehicle loan or lease

I had auto pay scheduled to reoccur each month. On XX/XX/2019 the payment was not withdrawn from my account. I called Westlake financial services and the representative I spoke to mentioned they just couldnt continue to withdraw funds automatically without prior notification to me. I was then billed XXXX dollars for an NSF from west lake financial the funds were available in the account.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. Under 15 USC 1666B this is a billing error always payed as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
Product: Checking or savings account

I am filing this complaint against Capital One due to their ongoing technical outage, which has prevented access to my direct deposit since XX/XX/year>. 

This delay has caused the following issues : XXXX. Late fees on multiple accounts. 
XXXX. Risk of utility disconnection. 
XXXX. Potential negative impact on my credit score. 
XXXX. Unable to purchase necessities, including food, household items, daycare, and gasoline for transportation to work. 

I have contacted Capital One, but no resolution has been provided. I am requesting assistance in securing access to my funds and reimbursement for damages caused by this delay. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i received a derogatory mark on my credit report from XXXX, equifax and XXXX regarding a late payment from a XXXX account. I then proceeded to call the bank and the credit reporting agencies but was led nowhere regarding the situation. I then mailed out a letter on XX/XX/2022 and XX/XX/2022 to both the lender and reporting agencies letting them know they were in violation of my consumer rights. They've only updated the account since then and no further action was taken place. 

15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b ( a ) ( 2 ).

( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.

I didnt not give this company written instructions to furnish anything to my consumer report, let alone Late payments. I did not authorize or grant verbal or written permission for them to report my personal information.

I also did not receive the option to opt out from consumer reporting. Companies are suppose to give you the option to opt out from credit reporting. I wasn't properly informed of my rights nor wasn't told about my option to opt out of credit reporting prior to the end of the 30 day period. They are suppose to tell me this before the item is reported. They are suppose to provide me with clear and conspicuous documentation that gives me a clear overview of what my rights is in terms of credit reporting.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Bank account or service

I am an XXXX trustee of a trust maintained at Citizens Bank of Pennsylvania. I was REPEATEDLY ASSURED that the trust accounts would not be subjected to any fees, costs, or bank charged. Citizens started assessing a statement fee of {$2.00} a month. I called, they apologized and refunded {$2.00} in XXXX 2016. They reinstated this fee again. I visited a branch and requested that a regional manager call, to no avail. I am a trustee charged with maintaining the integrity of the accounts ( more than {$800000.00} is on deposit here ). They are stealing money and they are not responding.
Product: Bank account or service

My HSA account was transferred from XXXX when HSA Bank acquired those assets. The investment portion of the account was moved into a mutual fund company ( XXXX ) [ no input from me ]. Once I became aware of this I explained I do not want any money to be there, ever. HSA bank moved the money to the cash portion. Ok so far. Then the funds were moved back against my instructions to the investment account. Once I became aware of this, the value of the holdings had declined due to market changes. I brought this to the attending of ( many ) people at HSA bank, and for more than 2 months they have been " researching it '' to no avail ( for me ). There is n't a huge amount of money in dispute here, but I am most concerned about a bank ( any bank ) not obeying their customers ' instructions. As I believe this is a custodian type of account, I am concerned about a potential breach of the custodial arrangement. In addition, the customer service of HSA bank has simply been horrible. The agents on the phone are quite nice, but seemingly incapable of enacting any necessary steps to fix problems.
Product: Vehicle loan or lease

XX/XX/XXXX I want to complain about VW credit for their 1 ) Mismanaged service, 2 ) Excessive wait times, and 3 ) Faulty equipment that makes it impossible to pay by phone.

My wife attempted to make a payment on our VW account. No matter how many times I have authorized her to make payments on this account, VW has denied her.

Which means that every time she attempts to make a payment, she needs to reinput all the numbers on our bank account after waiting an excessively long time.

Today, she waited on her phone over 20 minutes to speak to a supervisor in addition to the 15 minutes to wait for a person to take the account number after their system did not accept the account number punched in.

Their attempt to " help '' was to call me during business hours. This is not acceptable as I'm in meetings most of the day. As I already had authorized my wife to make payments by phone, this should not have been an issue.
Product: Mortgage

Planet Home Lending , LLC : not applying/ processing my mortgage loan payments correctly. This is a repeated issue that Im STILL experiencing. 

I received this response on Saturday, XXXX XXXX XXXX via USPS Priority Mail : you applied my XXXX XXXX mortgage loan payment in the amount of {$1200.00} to the loan as the XXXX XXXX monthly installment and you applied my XXXX XXXX mortgage loan payment in the amount of {$1200.00} to the loan as the XXXX  XXXX  monthly installment. ( This is incorrect. ) My check is CLEARLY dated : XX/XX/XXXX and the amount of the check is {$1300.00} not {$1200.00} which further CONFIRMS that you are STILL not applying/ processing my mortgage loan payments correctly. ( front and back copies of the checks provided ) Every month you receive a payment, but my mortgage loan payments are being improperly applied. 

Example : Check Dated : XX/XX/XXXX mortgage loan payment was a partial payment in the amount of {$1000.00} On XX/XX/XXXX an ACH payment in the amount of {$110.00} was made. 
On XX/XX/XXXX an ACH payment in the amount of {$1100.00} was made. 

Thats two payments you received for the month of XXXX, but HOW youre applying the mortgage loan payments is the issue. My mortgage loan payment was set for {$1000.00} and I understand that its a partial payment because I didnt include the increase for the insurance ( {$110.00} ), BUT that also doesnt equal an additional mortgage loan payment. 

If youre calling me and telling me I owe {$110.00} for my insurance and I pay it via ACH, but almost 2 weeks later you reach out stating I owe an additional mortgage loan payment for {$1100.00} and I pay it via ACH. 

And youre still telling me I owe for an additional mortgage loan payment? Not to mention the late fees that you're adding. Its not me. It's HOW my mortgage loan payments are being applied/ processed. 

My financial institution, XXXX XXXXXXXX XXXX is only issuing one payment for each month. If you receive a payment at the end of the month, the check is for the XXXX XXXX XXXX XXXX I can provide front and back copies of ALL mortgage loan payments since the increase of my insurance and adding up the insurance & late fees for the months I paid {$1000.00} do not tally up to additional mortgage loan payments for {$1100.00} and currently {$1200.00} which is why Im saying that this repeated issue that Im currently experiencing has everything to do with you not properly applying/ processing my mortgage loan payments and its beginning to look and feel like deceptive and unfair tactics. 

You also included with your priority mail 2 mortgage loan statement : You included copies of 2 mortgage loan statements one for XX/XX/XXXX. That states overdue payment : {$1200.00} and regular monthly payment : {$1200.00} = Total Amount Due : {$2400.00} The other statement for XX/XX/XXXX. That states overdue payment : {$1100.00} and regular monthly payment : {$1200.00} and {$120.00} ( fees and charges? / for what? ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

There was a breach of sharing my private information compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is clear violation of FERPA and your responsibility to safeguard my information.
Product: Payday loan, title loan, or personal loan

I tried to get the loan and I got approved for it but when they told me rates I never got any money from them
Product: Debt collection

I have disputed this debt numerous times with Portfolio, and I continue to be harassed. I demand they pay me {$1000.00} for damages.
Product: Debt collection

Schuerger Law Firm out of XXXX Ohio says the XXXX representing the Ohio Attorney General. They took XXXX out of my bank account today ( XX/XX/2022 ) after I emailed them and told them I had just started back to work and would be able to start payment to them XXXX XXXXI asked for the info I needed to set up an online account and make payments anytime I had extra money. I was given the information and set my account up with full intent on making a payment XX/XX/2022. I had been out of work for a while and had to catch up on utilities and obtain a vehicle to get back and forth to work. I made this clear to them. The representative, XXXX XXXX, has threatened me with criminal charges, garnishment and more. I can not even speak to him because he over talks me and is rude. I am doing everything I can to pay this debt but I also have to keep my utilities on and food and gas going. He has called my job and released info he should not have. He has called me multiple times a week and harassed me at my job. I would have to send a call log to even show how many times I have been called because there are too many dates to count. I've been called a liar, told to ask my family for the money, told to sell things that I don't even own. He is literally going to make me have a nervous break down. I don't eve believe I owe as much as he is reporting. This is the contact info I have for this law firm. 
XXXX XXXX Law Offices of Robert A. Schuerger CoXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Direct Dial # XXXX Main # XXXX x XXXX Toll Free # XXXX x XXXX Fax # XXXX
Product: Checking or savings account

I want all fees reversed from the last 24 months per account.
Product: Student loan

I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.
Product: Debt collection

I was in college in XXXX school year and didnt know I could dispute the loan after I left school for personal reasons
Product: Checking or savings account

PNC does not allow me to link my own checking account to other banks. They hold my own money, charge me ridiculously high fees just to have a savings account, and then allow scammers to easily access my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to 15 USC XXXXc Experian and Equifax violated my rights by unlawful communications in regards to this collection account : XXXX XXXX. Please remove this collection from my Credit report Thank You.
Product: Credit reporting or other personal consumer reports

Several days ago I was attempting to change mobile carriers and the new company tried to check my credit report at Experian with no success. I advised that I kept all my credit reports frozen but went ahead using Experian 's chat bot to change my password and create a " thaw '' etc. Despite this the company continued to be unable to access my credit. When I got home I logged on to the Experian site and confirmed that the freeze had been lift and I in fact extended it for several more days. When I returned to the new carriers office they were still unable to access my credit report. I have tried repeatedly since then to speak with a human being at Experian and it appears totally impossible. Furthermore their AI chat bots appear to have no AI and are the most useless, frustrating things I have ever dealt with. I would like to know how these people even stay in business.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the debt associated with Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported by your agency as follows : Original Creditor : ** XXXX  Original Amount Owed : ** {$4000.00} Current Amount Owed : ** {$4100.00} Date Assigned : ** XX/XX/XXXX Balance Date : ** XX/XX/XXXX Status : ** Unpaid This account contains inaccurate and incomplete information that violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **Incorrect Balance : ** There is a discrepancy between the original amount owed and the current amount. Please provide a detailed breakdown explaining the additional charges added to the original balance of {$4000.00}, which now reflects {$4100.00}. 

XXXX. **Unverifiable Information : ** The status date, balance date, and account details are ambiguous and lack supporting evidence. Please provide documentation verifying the debt, including : - A copy of the original agreement with XXXX, showing my signature. 
- A detailed account of all payments, charges, and fees applied.

3. **Account Designator and Classification Concerns : ** This account is reported as an **INDIVIDUAL_ACCOUNT** under **BANKING** classification. I request verification to ensure these designations are accurate and consistent with the original creditor 's reporting. 

XXXX. **Date of First Delinquency : ** The " Date of First Delinquency '' is listed as XX/XX/XXXX. This date must be substantiated with appropriate records from the original creditor. 

Furthermore, the comment on this account states that the " **CONSUMER DISPUTES THIS ACCOUNT INFORMATION**. '' If this has been previously disputed, I request the results of your investigation and all evidence considered.