23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection notice from Mandarich Law Group LLP stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regard to the collection of a debt. Furthermore, if so, it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.
Product: Checking or savings account

I had an account with WellsFargo Bank between XXXX and XXXX and I was charged NSF fees. I would like to know if I am eligible for the Wells Fargo XXXX.
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

This is a matter concerning Santander Consumer USA Inc. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I am now at serious risk of losing my home because of Santander consumer USA incorrect and inaccurate reporting to report to credit agencies. I feel this is a gross abuse of the credit laws and gross negligence on the part of Santander consumer USA. I am turning to the Consumer Financial Protection Bureau to report this abuse. I pray that CFPB will be able to assist in this matter and do whatever can be done to prevent future consumers from suffering the same abuse as I have. It should be noted that in good faith I have worked long and hard with Santander consumer USA to resolve this and feel I have been treated rudely and they have taken no accountability. I was told that Santander consumer USA would escalate this matter, this is negligence and abuse. Thank you for your help and consideration. Desired Outcome/Settlement Desired Settlement : Correction to a credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Debt collection

This collection agency has a multitude of accounts they are trying to collect on. For this one in particular I never received anything giving me 30 days to dispute the validity of debt. I was under the impression the amounts they are claiming I owed were covered by my insurance company. On top of that it is my understanding that my medical information is not supposed to be released to a 3rd party without my permission and in the correspondence I 've received, it 's all come from a 3rd party, yet there is not a HIPPA release for with my signature giving anyone permission to release my information. I have great concerns about my information being in this collection agencies hands. They have already mailed with their correspondence other peoples information included with my information with detailed information about this person and their medical records. I also have yet to receive any promise to pay for any of these outstanding balances with this collection agency. I requested validation on a multitude of occassions and the responses do n't include anything showing that I am liable for these amounts and that I had any obligations to pay these outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for an auto loan from my credit union XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of 2017 while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau XXXX Transunion XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Checking or savings account

This is an email that I sent the branch manager where I open my business account over a year ago. Within the email you will see all of the information you're requesting. The branch manager XXXX XXXX email address is : XXXX Greetings XXXX, I'm with hopes that you and your family are well. 

I do wish I could say the same about mine, but we are not well, and are facing the lost of our business because your branch has closed my business accounts based upon False, Fabricated, Unproven Allegations and have refused to release the balance funding within the two accounts with a total sum of .... since the closing of the accounts on ( date ). 

I have been calling every week for the past ( date ) and have received the same cover story of " pending the completion of some unfounded mystical allegations fabricated by your branch. '' Back Office or not my account was open in your branch and you have the obligation and responsibility to release my funds at the time closing of my business accounts. 

The letter you send me dated on XX/XX/XXXX, I received in the mail several days later, which is the same day on XX/XX/XXXX I tried to wire {$37000.00} that was rejected. The letter caption Read : " IMJPORTANT : To protect against potential fraud, we restricted your account and may close it soon. '' Followed by saying : " At Chase we're always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ending in XXXX, XXXX and may close it soon. We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account- you may be able to provide information needed to keep it open. '' You made it appear that it was for my benefit, but you had already closed the account after I received that letter several days later and went to the branch to find out what was going on and with the accounts and why they closed them, and what was the reason for you blocking my last wire transfer on XX/XX/XXXX in the amount of {$37000.00}. 

These two accounts ending in ( XXXX and XXXX ) had been open since last year XX/XX/XXXX. 1 year and a week later still doing business as usual without any complaints from the traders sending the funds to my business accounts of any fraudulent activities or a request to have the funds sent back to them, you come up with this malicious circumstance holding my funds with a total sum of {>= $1,000,000} balance reported on my two last business accounts statements ending in XXXX and XXXX that has been withdrawn by you, with a XXXX Ending Balance. 

Is it because I am a XXXXXXXX XXXX  man in my XXXX 's is the reason why you're treating me this way and want to destroy my business I've worked hard to develop and build properties? 

Regards, XXXX ( XXXX ) XXXX
Product: Student loan

Aidvantage took over my loan servicing from XXXX and has lost all my account information. My loans were taken in XXXX and there's NO record of my 4 years of public service or the past payments I've made - I should be in a forgiveness stature. I re-financed my loans and it looks like a lot of my information was lost there too. 

I have tried to reach them because they are asking for too much in my payment, i filled out the income based repayment information and have not heard from them in weeks Now my loan is coming into repayment and I can't even get a hold of anyone over there! 

This is criminal they are going to bankrupt me!!!
Product: Debt collection

Company is reporting debt to my consumer report but have not provided any evidence of their authority to do so including proof of claim ; the bookkeeping for alleged debt including all payments made and interest ; original contract bearing my signature, and ; proof of debt ownership.
Product: Credit card or prepaid card

Right before Hurricane Irma in Puerto Rico, purchases were made on my card that were not authorized. I reached out in person since we had no electricity or mail where I live in XXXX XXXX  XXXX due to damage by Hurricanes. They completely ignored my report that someone was making unauthorized purchases They have not sent an accounting so I can contest the unauthorized purchases.
Product: Student loan

I have been going around with navient/XXXX XXXX for years, i graduated XXXX school but can not pass my boards so i make {$13.00} an hr on govt assistance i have a daughter and they will Not work with me they set a payment i can not afford and said oay it or well sue you
Product: Credit card or prepaid card

Three charges were made on my account amounting up to {$270.00}. I called and reported them fraudulent and they were taken off my balance a few days later but the credit still has yet to appear. They told me an investigation is on going but it has been about a month now since and I have not recieved ANY communication about it. Everytime I call I get told they either have no information on it or can't tell me anything about it. It is like they are avoiding dealing with it and providing the credit back to me. They were already taken of my balance but they are holding the credit hostage for over a month with no communication.
Product: Checking or savings account

XX/XX/year> my account got closed i had XXXX $ from my job and i received bank transfer from family members and took the money out wells fargo thought the money i received was mixed with the XXXX $ even though they can see in the statement the money was there XXXX month prior and now they wont tell me where the money is and its been a year and i have yet to receive it
Product: Credit reporting or other personal consumer reports

XXXX credit card company sent me to collections and dropped my credit score over XXXX points for late pay of the annual fee. However, I never received any paper or email bills from the company stating I had a balance due. I only received a collection notice. I have had that account for years and never been past due or late. The company refused to make any attempt to resolve or assist. I contacted Equifax for a dispute, they only documented costumer disagrees. XXXX late payment of XXXX dollars, when I had no idea I owed that XXXX XXXX should not drop my credit over XXXX point! There should be some resolution process for this.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

The company is called account control technology. They have contacted several colleges of mine that I work with inquiring about information for me. They say that they have a personal business matter to discuss with me. They have also called my phone directly so they have access to me. As a result I am suffering from embarrassment and may be discriminated against. The last incident was last Friday where I received a random contact via XXXX XXXX from someone trying to contact me. I have no connection with that person.
Product: Debt collection

Columbia Debt Recovery made false statements in response to XXXX complaint. They responded CONSUMER CONFIRMED HE REVEICED OUR PROOF OF DEBT CONSISTING OF THEIR SODA AND LEASE, DISAGREEING WITH IT DOES NOT MEAN IT IS NOT OWED. CONSUMER INFO ALREADY PUT ON CEASE AND DESIST The company has falsely stated that proof of debt was supplied. The information they supplied does not provide proof of debt. I have asked for satisfactory proof of debt but they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries that is incorrect on my credit report and i have no knowledge of ever giving approval to let those companies access my credit report and i would like for those inquiries to be deleted.
Product: Student loan

I have been trying to make big payments ahead of and in addition to my " scheduled payment ''. This past week on XX/XX/2019 I had ( using their 'custom payment ' option ) specified 2 overpayments in order to get rid of my loans ... I made a payment of {$660.00} on one loan specifically which would have left the loan within {$2.00} of being completely paid off. However, upon logging back in I saw that Navient reallocated the payments how they saw fit leaving the repayment of the loan at {$470.00}. 

This is not the first time I have had a problem/question with the ethics of how their practices work. I have been making continuous payments for well over a decade with Navient assuring me that I have to pay off the pre-set interest before I can work on the principal of the loan ... well cut to earlier this year when I questioned them about the fact that I am still being charged ridiculous interest and I did NOT get a satisfactory answer. Only that, " I can look at the history of my student loan by logging into my account. '' I am having a REALLY hard time getting a solid answer and after this last specified payment being allocated as THEY see fit which conveniently leaves me owning them more interest/money really has me questioning their ethics and their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX account since the year XX/XX/XXXX. According to my credit report it is in satisfactory condition as far as payments. On XX/XX/XXXX, I went to XXXX to make a purchase using my XXXX XXXX  credit card. At the time the sales person asked me if i was interested in changing my current level to a platinum level or a gold level for more savings and perks. I confirmed with her it was the same account just upgraded. She assured me it was. I received bills paid them. I one day received a letter that stated my payment was due and to disregard if payment was sent. Due to the fact a payment was sent I ignored the letter. I then received the actually bill which I had not received. I called XXXX XXXX and discovered there was two accounts at the same level, the account was not changed to a platinum or gold level. I expressed my frustration and asked to speak with someone regarding the matter. I was told over the phone that I should go to XXXX XXXX  and complain to the person who opened the same type of account and did not close the other one. At this point I felt it was beyond speaking to someone at XXXX XXXX. I then wrote two letters to dispute the problem and asked for the one that was opened in error by the person at XXXX XXXX to be closed in order to protect my excellent credit score. I received a reply back stating it was to late it was already reported, but I did not receive a response to the letter sent concerning the employee who opened the same type of account. The amount that was owed on the new account was original {$170.00}. I have been paying off total balances on the old account each time I have gotten a bill. The old account bill is mailed, due to the fact that a second was opened it appeared as if it was the same bill already paid. The second bill also did not seem to be mailed as often. ( So it appeared ) It is absolutely absurd to open the same exact account level when the original has been used and paid off without any issues. Due to the error on the part of the clerk whether it was done for her to gain a commission by having people open new accounts when they already had them. Or simple done due to human error it has effected my credit score and rating causing a adverse effect on my credit report. I wrote XXXX XXXX to assist with this matter of combining the accounts and coming up with an arrangement and trying to figure out which account is which, I received no reply. I have an outstanding history of paying my bills on time, I have the funds and the ability to pay off this bill and have. But I should not have to pay the late fee or have my credit damaged because of someone else 's error, which could be consider fraudulent behavior on the part of the sales clerk at the store.
Product: Checking or savings account

TD Bank. I had to close an account do to it being a victim of check fraud and open a new account. On XX/XX/19 checks came through to my to my old account and my overdraft protection kicked in. I made a payment from the new account to the overdraft protection. Apparently I should not of been able to do this so the payment was rejected and since the old account was closed it had no where to go and kept getting bumped around. I have talked with multiple people at TD bank everyone agrees the money is lost and no one knows where it went. It is no ones job to fix this at TD Bank. The amount is {$1500.00}. There are several notes on my file and everyone can see the money is lost but no one at TD bank is able to fix this.
Product: Credit reporting or other personal consumer reports

Affirm posted XXXX chrge off in my credit report XXXX  I agree to paid off i paid all the amount due try to tell them to take this out from my credit report but still showing in my credit report i want this fix and out of my report because the information is incorrect can you please delete this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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: Debt collection

Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?