23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I C Systems are a collection agency that is trying to collect a debt for XXXX XXXX XXXX XXXX. Neither are the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX, XXXX and XXXX. Please remove this collection item from all three reporting credit bureaus XXXX, XXXX and XXXX as this is in violation and misuse of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported Identy Fraud to XXXX XXXX XXXX numerous time I have sent them a copy of the police report and they still have it on my credit
Product: Credit reporting or other personal consumer reports

I did not give this company permission to furnish there information on my credit report Nor did I ever do business with this company
Product: Bank account or service

I went on line recently with USBank so that I could view my statements. I have never reviewed my statements in the past. I noticed there was an auto withdraw monthly of approximately {$50.00} for auto payment to reserve line. When I asked for explanation at the branch, I was told that it was a charge for insufficient funds. They researched back for 7 years and were unable to demo- strate what generated the original charge. they showed no bounced checks in 7 years. When I asked for proof of this occurance, I was told that they did not have to provide this proof of burden. I wanted to know what my recourse is. I want to know when this infraction occurred. If they are unable to prove the infraction is there a way that I can re-coupe the payments that I have made in the last 7 years? They also say that I still have a balance of approximately {$1800.00}. They can not tell me when or in what amount there was a bounced check - how do I know that it was not a bank error. 
I opened the account in 2006 and at that time there was a reserve line opened which I obviously did not understand how that overdraft protection worked. 
I just want to know if they are obligated to demonstrate what generated the original charge and if so and they are unable to do so, what do I have to do to pursue re-imbursement?
Product: Mortgage

XX/XX/XXXX and XX/XX/XXXX. I have called Freedom a few different times to fix this problem and send proof of false delinquencies. The 30 day late we called and did a skip payment for the year and then XX/XX/XXXX their payment processing system was down and they told us that they fixed both of the problems but it is not reflecting our credit and causing issues with getting financing to buy a home. 
The only thing that they will give is the payment statements showing that the late payments were removed but not fixed via credit bureau. 

I am currently in XXXX  at our home trying to sell it while my husband is working in XXXX  where we are needing to buy. This is causing a huge issues. 
Please help. 
Thanks. 


Other info. 
Loan # XXXX Two different loan accounts with Freedom due to refinancing in XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I applied for a small online payday loan fr om Money Mart ,  X/XX/2017   . Ive done business with them in the past, and paid my small loans. I was approved, not " preapproved '', for {$150.00} . Money mart w anted source of income, Social Security  XXXX   XXXX   XXXX  Statements, and a government ID. They wanted me to fax or upload it to their site. I could not, so I took it to their store at,  XXXX   XXXX   XXXX ,  XXXX . CA.  XXXX , the next day. I TOLD the clerk I was approved online and could not, upload the forms. I gave her copies, I showed her I ad already been approved. She went through the motions of processing a new loan, i thought she was going o email or fax the papers to the online service. She gave me a paper, that said the loan was denied, because, I had one being processed. I TOLD her that, she knew it was going to be denied, she seemed to be doing some type of fraud. She said she could fax or call them, but she was doing irregular business processing so I left. I informed the company, someone named "  XXXX  '', that appeared to be covering the clerk lied, and said the clerk cancelled the online loan. She can [ t and that does n't make since.She kept copies of my papers. I think hey may have been trying to do fraud on some of my family 's properties, I have identity-theft. I think a bad group or gang bought this store a year ago, it is no longer credible.
Product: Debt collection

Phoenix Financial Services LLC XXXX XXXX, XXXX  XXXX XXXX, IN XXXX sent a letter attempting to collect an alleged debt on XX/XX/XXXX, for services rendered Between of XX/XX/XXXX & today??? ( I was unemployed from XX/XX/XXXX to XX/XX/XXXX at that time and did not have any medical insurance nor Cobra ) I started my new job on XX/XX/XXXX. I have zero outstanding debts in collection and pay all debts timely. The Original Creditor claims to be XXXX XXXX XXXX XXXX XXXX XXXX stating that I owe {$46.00}. XXXX XXXX XXXX refused to provide a hospital, a specific date of service, location, medical services rendered, or any specific services tied to the debt. The company was aggressive, threatening, and unprofessional, On XX/XX/XXXX I requested by phone at XXXX XXXX  PST a written Verification of Debt. to which the company accosted me asking " Why can't you remember what happened on XXXX of XXXX?!? '' This is almost 3 year window where any of this could of occured. This 100 % improper and illegal
Product: Credit reporting 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 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAY CARD WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

With reference to XXXX the complaint was closed however this is far from over. It still is not rectified. Here is why : Firstly it should be noted that I received two final account statements with the SAME date posted on them but two very different sets of amounts and totals. If the final account statement was adjusted, why is the date the same and why did Professional Debt Mediation use the higher statement amount for posting to my credit? In addition, after receiving two final account statements with the same dates, why did Professional Debt Mediation refuse to remove this erroneous collection from my credit due to an obvious conflict of amount owed. This alone reeks of unethical, unprofessional and unlawful business practice but there is more. 

Secondly, Professional Debt Mediation who is not the Magistrate Court of GA and has no authority to deem what is due to XXXX XXXX stated and I quote She is obviously responsible for the Dispo fee since her information was referred to an attorney for eviction. This is significant because under Georgia law there are requirements for evicting a tenant, which in this case were not met. In fact even though I requested the eviction notice, papers and copies of the filing on several occasions before I moved out, they were never delivered to me by XXXX XXXX XXXX or the Court. Therefore it would be in your best  interest to remove this erroneous collection from my credit bureau reports. 

Finally and equally significant, according to the statements you forwarded to me, you received final account statements for an address at XXXX XXXX XXXX XXXX GA XXXX. I had a rental agreement for and lived at XXXX XXXX XXXX XXXX GA XXXX. This debt therefore does not believe to me. It would be in your best interest to remove this erroneous collection from my credit bureau reports. 

I should also note that I left XXXX XXXX XXXX, before XX/XX/XXXX, and not because I bought a home but because I was in two car  accidents one in XXXX and again in XXXX and was no longer working due to medical issues. XXXX XXXX the then Manager of XXXX XXXX XXXX was informed of both accidents, but obviously unconcerned, which is evident in those wholly inaccurate final account statements she prepared and actually used to try to bring me financial harm. Due to all of this additional information, it would be in your best interest to remove this erroneous collection from my credit bureau reports.
Product: Credit reporting or other personal consumer reports

helllo lately ive looked at my report andt there is fraudulent aacounts on my credit these need to be removed asap it is hurting my credit ability and it is violating my consumer rights according to 15 usc 1681 -2 they supposed to noy 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. 
due to this all fraud accounts should be deleted asap
Product: Credit reporting or other personal consumer reports

I recently reviewed a an opt of my credit file and found information to be inaccurate, incomplete or unverified. XXXX investigated and deleted the account with XXXX XXXX. Account number XXXX. I provide a copy of the deletion results to Experian and XXXX but they refuse to follow the laws they have in place. If one bureau finds an account to be inaccurate, incomplete or unverifiable, they must share the information with all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX  XXXX ran my credit score for an auto loan which was a hard inquire. However, I did not apply for a loan through my personal account, I applied from my XXXX XXXX XXXX XXXX for their business auto loans. This inquire should not have been on my personal credit score. I called XXXX XXXX XXXXXXXX to dispute this matter and they agreed that it should have been through my XXXX not personal and claimed that I dispute it with Experian. When I contacted Experian, they said XXXX XXXX XXXX is the one I should dispute this claim because they are the ones who report the claims to them. So both XXXX XXXX XXXXXXXX and Experian did not do anything to help resolve the matter except forwarding me be between each other. 

On XX/XX/2021 XXXX XXXX ran my credit score which was also a hard inquire. I had applied for a XXXX XXXX  online and submitted the application properly. After the application was finished, I waited for a response in the mail. However, after some period I did not receive any letters or information. When I called to get an update on my application, they could not find the reported application in my name. Now I have a hard inquire without the approval of the XXXX XXXX that I had applied for which I was already pre-approved for me according to the letters I received in my mail prior to applying. Experian claimed they also can not do anything about this claim.
Product: Credit reporting or other personal consumer reports

XXXX and Experian have been reporting information on my credit file that is not authorized. I have sent each of these companies opt-out notices to prevent sharing of my information. The following companies are not authorized to share my information with affiliates or non-affiliates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Privacy Notice provided by each of these companies, Federal law gives me the right to limit only 1 - sharing for affiliates ' everyday business purposes-information about your creditworthiness 2 - affiliates from using your information to market to you 3 - sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. 

XXXX and Experian are not only in violation of Federal Law, but are not affiliates of any of these companies. In accordance with their Privacy Notices, Affiliates are companies related by common ownership or control. Sharing my information about credit-worthiness is not authorized, and this fact is supported by the Privacy Notices they have provided, and my mailed requests to opt-out of such reporting. 

I have submitted multiple complaints via the companies as well as the CFPB.
Product: Student loan

According to American Education Services, the current servicer of 3 of my private loans, my interest rate on my loans is calculated using the LIBOR rate. Specifically the company claims to use the LIBOR rate from the XXXX XXXX XXXXl Eastern Edition. However, when I google exactly that "XXXX XXXX   XXXX Eastern Edition LIBOR rate" I get to the XXXX webpage and find that there are 7 different types of LIBOR rates....LIBOR overnightLIBOR 1 weekLIBOR 1 monthLIBOR 2 monthLIBOR 3 monthLIBOR 6 monthLIBOR 1 yearConsequently, the LIBOR rate for all of those are different from one another. AES is not transparent with me in which LIBOR rate it is using to calculate my interest rate. Furthermore, upon requesting the last 5 years of the LIBOR rate that was used to calculate my interest rate, they instead send me the past 5 years of my personal loan interest rate (not very helpful at all). Frankly, AES has been unwilling to be transparent about which LIBOR Rate is used and has not been willing to show me information about the LIBOR rate history the company has used in the past 5 years to calculate my interest rate. I find this to be unethical and unfair.
Product: Credit card

I am writing to dispute a duplicate charge from XXXX XXXX on my account. Below are the details of the issue : Transaction Date : XX/XX/year> Merchant : XXXX XXXX Issue : During my initial online purchase of {$1200.00}, I received an error message stating that the transaction was not processed and that I needed to call Customer Service. 
Customer Service Interaction : When I contacted XXXX XXXX, the representative informed me that the transaction was denied due to the amount. They advised me to place a new order, assuring me that the initial authorization would fall off within XXXX business days. 
Billing Issue : Contrary to what I was told, the initial charge did not fall off and was actually posted to my account, resulting in XXXX charges for the same purchase. 
I am requesting a chargeback for the duplicate charge, as I was only intending to make XXXX purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Dept of EducationXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information that your company, Bank of America is still reporting to my XXXX Credit Report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. Bank of America, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX and XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : Bank of America XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Phone : XXXX Open : XX/XX/XXXX Last : XX/XX/XXXX High Credit : {$500.00} Limit : {$3000.00}
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my FICO credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report Number : XXXX XXXX XXXX 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account number XXXX Please find enclosed the following documents to support my claim :. 
I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure.

I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes.

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

To whomever it may concern, Extreme negligence in regard to handling my checking account on the part of Chase Bank has led to excessive junk fees from multiple credit card and banking institutions, considerable emotional distress, and lack of access to my funds. In XXXX, I merely sent a secure message on Chase Bank inquiring about the potential of closing my checking account, as I've had many problems with Chase this year. The representative responds by saying " The account will close when there are no pending transactions and there is a XXXX balance, '' despite never having actually given the go-ahead to close the account. As such, I first attempted to use my money to make credit card payments. These did not go through, despite funds being available, resulting in inordinate fees. I then attempted to merely transfer my money to my other checking accounts. These transactions also failed for no valid reason, as the funds were available. Then, on XX/XX/XXXX, Chase had the audacity to charge yet another {$12.00} junk fee for the account " monthly service fee, '' despite claiming that the account was closed and holding my funds hostage. This incompetence has cost me hundreds of dollars in junk fees for situations well beyond my control for payments on accounts in good standing that were just making an extra payment. I expect Chase Bank to refund all of these fees and either pay the fees incurred on other cards due to their clear administrative error on their end, contact my other banks and have them removed, or reimburse me for the costs. The statement and scheduled transferred dates attached to this complaint demonstrate that sufficient funds were available each time Chase denied a payment of transfer that resulting in a junk fee from a banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed my account and threatened, and is apparently following through on a threat to report me to XXXX  for CHECK FRAUD because a check from my XXXX account to me bounced due to the fact that XXXX refused to pay on the check.