23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collector, National Enterprise Systems ( NES ), first contacted me in XX/XX/XXXX regarding a balance I have at XXXX XXXX University ( XXXX ) from XX/XX/XXXX. I stated to NES that the amount owed is wrong because I should have a scholarship applied and it has not been. I told them I would follow up with XXXX. I have sent numerous emails and continue to be told they will get back to me. I have read, verbatim, the letter stating I hould be awarded the scholarship. On multiple occasions, NES has made comments such as " well, you must have failed or dropped the class so you won't get the scholarship. '' I informed them that I passed the class and have submitted the necessary paperwork. I had asked on numerous occasions to speak to a manager and was told that was not possible as they would tell me the same thing. The week of XX/XX/XXXX, NES called once again and finally gave me a manager. I informed the manager, XXXX, once again that the balance needs to be corrected. He stated there are payments made on the account and I should review the documentation they sent me. I stated that I had already reviewed the documentation and have already spoken to them about how the scholarship is not corrected. I told him I would make a good faith payment ( {$1000.00} ) for a portion of the balance and he said by doing so and continuing communication with them, it would not be reported to the credit bureau. I told him I would send him my documentation showing I have been in communication with XXXX. I was driving at the time and was unable to write down an email address and he stated he was not able to email me directly. On XX/XX/XXXX, I was contacted by NES manager, XXXX. We went through the same questions in which I had already answered with other NES agents. She stated I was reported to the credit bureau. I informed her that XXXX said I would not be. She stated she would send a request to have her contact info sent to me the next morning. I asked her why XXXX was unable to do so the week prior. Upon receiving the email, I still do not have a contact address to send my supporting documentation. XXXX also asked for my employer phone number and I told her I would not provide it as she has no business contacting me at work. She stated she must have it to update my profile. At this point, I have been sent to the credit bureau and should not have been. I am looking to have this taken off my credit report as I am actively working on getting this cleared up with XXXX and I was told that it would not be reported because I was actively working on it. If they were still going to report it, they should not have told me otherwise. 
I have attached the email thread between myself and XXXX. I was told 5 times that they would get back to me and never did. I finally called last night and was told that they are unable to do anything and I must clear it through NES. If this is the case, XXXX should have informed me of that when they initially figured it out instead of stringing me along.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and was denied due to a civil/ eviction on my credit. This account as paid in full and shouldnt have showed up. I then submit a dispute through rentgrow to XXXX and transunion rental department. XXXX  got the matter taken care of in a week and sent over an updated report to rent grow. Transunion on the other hand has not sent over anything. It had been over 30 days now. I have called every single day and Im being told I dont know when this will the dispute will be closed. I submitted supporting documentation the same day I submit the dispute so it should not take any additional amount of time. Everything was submitted on XXXX XXXX. I urgently need this matter to be taken care of so that I may get this apartment. Nobody can tell me anything except I dont know. Legally I know something is wrong here and it should not take this long.
Product: Checking or savings account

My interaction with the financial institution 's banker ( via call center ) was over the telephone. 

I asked the financial institution how to stop the upcoming auto renewal of my upcoming XXXX {$5000.00} CD maturity that is accruing interest at 0.05 % per annum and that enters the renewal period on XXXX XX/XX/XXXX with a XXXX grace period. 

I forgot to cancel the auto-renewal on XXXX XX/XX/XXXX during the grace period. My promotional rate was 4.50 % and I earned ~ {$97.00} of accrued interest. Thus, the {$5000.00} CD plus the accrued interest of {$97.00} equaled the new balance of {$5000.00}. 

At the time of opening the original CD, I understood that the CD would renew at the then " current market rate ''. However, I had no clue or suspicion that the then current market rate would be as low as 0.05 % per annum - considering competitive market place and current rates of interest being offered by other financial institutions. The disclosures were inadequate, ill-placed, and not numerically informative. 

I stated that I would be traveling out of the country during the entire renewal period and I requested that it not renew. The online banker told me to set a reminder as there is no way to cancel the auto renewal until maturity and throughout the grace period. 

I then asked what the early withdrawal penalty would be based an early withdrawal of XXXX XXXX. XXXX. I asked what it would be on XXXX XX/XX/XXXX since I would still be in the country. I was told that the penalty could not be computed more than 30 days out. After I stated that would have been good information to have had, I asked to assume that the cancellation would today, XXXX XX/XX/XXXX. He computed that the early withdrawal period would be ~ {$74.00}.
Product: Bank account or service

On XXXX XXXX 2015 I submitted a bill pay for {$2000.00} from my bluebird account to an account at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX returned the money on XXXX XXXX 2015 as it was going into a non-like titled account and they did not want to allow it. It has now been 42 days and the money has still not been credited back to my account even though I have provided the trace ID of the returned funds to American Express multiple times as well as escalated the issue multiple times.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : 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 XXXXXXXX XXXX XXXX  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and transunion twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify me
Product: Debt collection

I had a voicemail on my phone, number unknown, from a man named XXXX stating that he was from the county process service and his call was concerning a failed attempted delivery of a court summons issued to a XXXX XXXX. I have been married XXXX  times and so my name has changed but I legally changed it in XXXX to XXXX XXXX. It's never been XXXX XXXX. My legal name now is XXXX XXXX. He went on to say they were going to selfserve the documents tomorrow morning, XX/XX/XXXX and wanted to make sure I was available for service. And if I needed to make any changes that I should contact the law firm at XXXX and reference case number XXXX. 
I called that number this morning, which was identified as XXXX XXXX Law, and spoke to XXXX. He stated that I owed {$8000.00} to Chase Bank/Providian/Washington Mutual from XXXX XXXX XXXX also informed me that if I didn't agree to pay then they would pursue this matter further and I would also have to pay attorney and court fees in the amount of {$13000.00}. XXXX knew my previous married names and had my XXXX  # which I am concerned about. 
XXXX said this was for an old credit balance. He did not say if it was a line of credit or a credit card. Just that if I didn't pay then they will place a lien on my home. XXXX was rude, called me a XXXX and XXXX  for not paying my bills. He refused to give me the original debtors name, address, my account number or their phone number. 
I managed to get their address from whoever answers the phone as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. He said there was no suite number. I called the property manager of this building, XXXX XXXX at XXXX. XXXX said there was no company of XXXX XXXX XXXX XXXX on his rental roll and there would absolutely have to be a suite number since this address has XXXX XXXX story buildings. 
It is very frustrating to get calls like this that have no basis. I have never had an account with Chase Bank or Washington Mutual nor have I had a Providian account. Even if I did, this " debt '' is well over the statute of limitations. I have purchased XXXX homes since XXXX and I am absolutely sure this issue would have come up. 
I have never received anything by mail from any of the companies listed above or from a XXXX XXXX XXXX XXXX.
Product: Checking or savings account

XXXXXXXX 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  Second Formal Complaint Regarding Improper Reversal of Funds by Truist Bank Dear Consumer Response Center , I am writing to submit a second formal complaint regarding Truist Banks improper reversal of a cleared check, which has caused significant financial harm to my business, XXXXXXXX XXXX XXXX XXXXXXXX XXXX 

On XX/XX/year>, a check ( # XXXX ) in the amount of {$110000.00} was issued by XXXX XXXX XXXX to XXXX XXXX XXXX XXXX for the purchase of XXXX XXXX XXXX. Despite the transactions legitimacycorroborated by XXXX XXXX Affidavit of Check Issuance and Payment XXXXXXXX XXXX  reversed the funds without authorization or valid justification. 

It has now been 14 days since Truist Bank unlawfully withheld these funds. Despite multiple attempts to resolve this matter, the funds have not been returned, leaving my business in a precarious financial position. This unauthorized action has forced my business to temporarily close, resulting in substantial financial losses and operational disruptions. 

I previously filed a formal complaint with the CFPB under Case ID XXXX, as well as with the XXXX XXXX XXXX XXXX XXXX FDIC ) XXXX Reference Number XXXX. Unfortunately, Truist Bank has not taken appropriate action to rectify the situation, necessitating this second complaint. 

I respectfully request your intervention to ensure Truist Bank releases the withheld funds immediately and is held accountable for their improper conduct. I am prepared to provide any additional documentation or information necessary to support your investigation. 

Enclosed with this letter are the following documents : Affidavit of Check Issuance and Payment Dispute by XXXX XXXX XXXX Formal Demand for Immediate Release of Funds ( pursuant to Florida Statute XXXX ) Proof of Certified Mail Delivery to Truist Bank XXXX XXXX XXXX and Relevant Documentation Thank you for your attention to this matter. I look forward to your prompt response and a swift resolution to this pressing issue. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX | XXXX
Product: Mortgage

tried to modify home loan with PNC was not told options was put in hardship program worked with hud step forward mi also was denied for late payments was whole purpose of loan modification to lower monthly payments spouse self employed business declined dramatically! now pull credit report and PNC did two hard pulls on both are credit in eleven days time made matters worse and turned us down that is not what this was suppose to do extremely wrong
Product: Checking or savings account

BOA ATM MALFUNCTION at XXXX, Texas. 
DATE : XX/XX/2019 around XXXX XXXX. 
Me and my boyfriend were at the atm to deposit some cash into my account, approximately around {$4000.00}. he put it in and it was processing, it took unsually long and next thing we know the ATM spit the cash out and instead of holding it let go and the cash started blowing away, it was a windy night and we could only catch a couple bills, everything else got blown away by the wind and the atm completed the transaction woithout telling me what was deposited or not and didn't even print the receipt out, i found out the next day that the only amount that was deposited was around {$400.00} something. The bank declined the claim and when i called their agent she told me that it was my fault that their machine blew away my cash and that i would be responsible for losing my money?? please i don't know what to do as there's video footage of exactly what happened and the bank is refusing to look at that and wont even provide me the footage unless i file a court order. I am a college student who can't afford the lawyer fees so i am in a desperate need to get some help regarding my incident.
Product: Credit card

I have requested proof of billing and pay history on XXXX BANK # XXXX by mail 3 times to XXXX XXXX XXXX XXXX NY XXXX and have not gotten a response. I believe there are inaccuracies on XXXX and XXXX reports associated with this account. I have disputed this account 3 times and these companies told me HSBC BANK verified everything is accurate. I would like HSBC to provide me with verifying documents. However they continue to ignore my letters. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 11 unauthorized inquiries on my credit report while trying to buy my home I have spoken with creditors and XXXX still no charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - To Whom it XXXX Concern, I am writing to express my extreme dissatisfaction and concern regarding the manner in which you have handled the reporting of the account XXXX  XXXX on my credit report. It has come to my attention that there are multiple blatant violations of the Fair Credit Reporting Act ( FCRA ) in connection with this account, and I am demanding immediate action to rectify this matter. 

Specifically, I am formally requesting a full debt validation, which must include the following information : XXXX XXXX : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX  XXXX. 

XXXX XXXX : Clearly state the name and contact information of the original creditor associated with this account. 

Original Open Date : Provide the precise date on which the account XXXX XXXX was originally established. 

Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the account XXXX XXXX was officially closed. 

I am well aware of my rights under the FCRA, and it is evident that your company has failed to adhere to its obligations in ensuring the accuracy and validity of the information it reports. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within XXXX from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this a formal notice of my intention to do so. 

I expect a timely response, along with the requested documentation, to be sent to the CFPB XXXX for prompt access. Additionally, please ensure that any corrections made to my credit report are promptly reflected.
Product: Debt collection

this was a fraud account opened back 2014 by state farm bank with fraud balance {$5000.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This writer submitted a dispute to XXXX  on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX  would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with the XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information