23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. MY COMPLAINT IS ABOUT " DESIGNED RECEIVABLE '' A COLLECTION ACCOUNT FROM THE XXXX XXXX XXXX XXXX, A SUBSIDARY OF XXXX XXXX XXXX. THEY ARE LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, CA XXXX. 
2. THE TYPE OF PROBLEMS THAT I AM HAVING WITH DESIGNED RECEIVABLE IS THAT THEY WERE PAID MORE THAN ONCE. THE XXXX XXXX WAS PAID AND DESIGNED RECEIVABLE WAS ALSO PAID IN FULL. AFTER MY BANK CONFIRMED RECEIPT OS THEIR PAYMENT, DESIGNED RECEIVABLE REFUSED TO SEND A RECEIPT TO CONFIRMED THEIR PAYMENTS. INSTEAD THEY HAVE CHANGE THE AMOUNT SEVERAL TIMES AND HAS BEEN RECORDING ON ALL THREE CREDIT BUREAUS, XXXX, XXXX, XXXX, SEVERAL TIMES A WEEK AS A NEW COLLECTION, LOWERING MY CREDIT SCORES, YOU CAN TAKE A LOOK FOR THIS WEEK ALONE, THAT XXXX ENTRIES WERE REPORTED TO MY CREDIT REPORTS. NOT ONLY IS THE CREDIT REPORTER REPORTING THEIR INFORMATION, DESIGNED RECEIVABLE WAS DISPUTED AND PROOF OF PAYMENT WAS FURNISHED TO ALL CREDIT REPORTS AND WAS IT WAS DELETED AND CORRECTED BY ALL THREE CREDIT BUREAUS WHO HAD A LOCK, FREEZE AND FRAUD ALERT ADDED TO THEM. DESIGNED RECEIVABLE HAS BROKEN ALL THESE FIREWALLS/CYBERSECURITY AND IS REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTACHED THE RECEIPTS FROM MY BANK AND A MORTGAGE COMPANY WHO WANTED A CONFIRMATION OF MY PAYMENTS. 
3. I DONT KNOW WHO THESE PEOPLE ARE, BUT I AM WRITING TO YOU TO INVESTIGATE AND INQUIRED ABOUT THESE ERRONEOUS REPORTING AND THAT YOU WOULD MAKE THEM GIVE ME A RECEIPTS OF THEIR PAYMENT AND PERMANENTLY DELETING ALL NEGATIVE INFORMATION ON MY CREDIT. ALSO WITH SO MUCH ALERT ON MY CREDIT REPORT, INQUIRE AS TO HOW THEY HAVE SUCH AUTHORITY TO OPEN MY FILE WHENEVER THEY WANT TO. 
4. I AM CURRENTLY SEEKING A PLACE TO LIVE, BUT MY CREDIT HAS BEEN UP AND DOWN WITH DESIGNED RECEIVABLE NEGATIVE RECORDING. PLEASE HELP ME AND REMOVE THIS FROM MY CREDIT REPORTS
Product: Checking or savings account

On XX/XX/year>, I received a letter stating that all of my accounts with Chase will be permanently closed on XX/XX/year> due to " concerning activity '' on my account or an account associated with me. I contacted Customer Service and the fraud department to inquire about the specific activity that led to this decision. However, Customer Service had no further information beyond what was stated in the letter. 

When I spoke with the fraud department, they questioned my reasoning for not actively using XXXX of my credit cards aside from making monthly debt payments. After providing an explanation, they told me this was the reason my account was flagged, which in turn caused all of my accounts to be flagged. They then transferred me to another team, assuring me that they could help lift the restriction. However, after the transfer, I was told that the decision was final and could not be reversed. 

Despite my identity being verified and the fraud department acknowledging they now understand the situation, my accounts remain will be permanently closed. It seems like I was repeatedly transferred without any real resolution, as each representative ultimately told me they would not reinstate my accounts. 

I also researched common reasons for account closures of this scale and found that none applied to my situation. Additionally, while rare, there have been cases where this type of decision was reversed. Being permanently banned from banking with Chase without a clear explanation or valid justification is an unreasonable and unacceptable action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit report from Transunion twice, I have sent proper requirements first time I sent a copy of my ID with old address on it and social security card on XX/XX/2018 In responds Transunion stated they need a utility bill with my current address that was current so I sent that to them, they respond back with letter stating that that was not acceptable proof how is that when that was one of the requirements, so I updated my ID with my current address and resent a copy of my updated ID, social security card, and a utility bill XX/XX/2018, they responds back XX/XX/2018 that the documents are not illegible, I'm at a loss I need my credit report
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2009 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting

I have tried to request my free annual credit report online from Transunion and they refuse to give it to me. I have called their XXXX number for the free annual report. There they tell me I have to wait 5 weeks to get a report if I request by phone. They want me to give them my phone number to complete the request, I do not wish to do so because I do not want SPAM calls from them. THis is unnacceptable I am in the process of buying a home and have a new collection account which, by law, I am supposed to be able to dispute. Their lack of response is causing me great distress. I dont have time to submit a dispute through the mail or wait 5 weeks for a credit report. Unacceptable.I find it disturbing that these companies get away with being incompetent and get away with it. even make XXXX on poor consumers and greatly affect their lives.
Product: Debt collection

I spoke with XXXX on XX/XX/XXXX who refused to give me his ID number. He was advised that i refused to pay an alleged debt. He told me the debt is mine because he can see the balance owed/due and the last time it was paid. I advised that i am disputing the alleged. The company updated the status on their website to say this is not an attempt to collect a debt however on XX/XX/XXXX they removed {$390.00} from my checking account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion constantly failed to removed an alleged charged off account that is inaccurate and misleading I disputed this same account with XXXX and got it removed aren't they under the same standards as the FCRA to have it removed? The account has various inconsistencies across multiple bureaus different dates of last payment and activity the company the alleged charge off is assigned under wont even issue me a 1099-C for cancellation of debt yet they claim it was charged off - Please remove this account from my credit report ASAP I am trying to get a mortgage loan and this erroneous reporting is making it impossible.
Product: Debt collection

Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( XXXX and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in mid-XX/XX/2019 nor provided the XXXX XXXX MO XXXX XXXX a release of debt. I am in danger of losing this mortgage due to this matter.
Product: Student loan

On XXXX XXXX, 2015, I was informed by the CFPB " The company was unable to respond to my complaint because of pending litigation about the same issues raised in the complaint. No further action will be taken on the complaint. '' At this time I am submitting a new complaint to reassert the issue presented in complaint number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I called into Dept of ED/Navient customer service line and requested to have my account put into a deference. At which time the woman I was speaking to informed me that it would not be an issue and everything was good to go. So until three days ago when i acquired a copy of my transunion credit report and saw that I had 5 late payments reported for the month of XX/XX/XXXX because I have 5 different student loans. This had immediately dropped my score down over 40 points!!! So i called Navient and tried to explain the issue and the representative just kept insisting that I was at fault because they reached out multiple times and were unable to reach me but when I asked what email address they had he gave me one that wasn't even mine!!! So i politely told him the correct address and then he stated there was no recourse for me to appeal. I'm just dumbfounded at the negligence and unbelievable arrogance that these people seemed to act towards me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I'm a living human being and I have rights under XXXX XXXX. 

Equifax is governed by XXXX XXXX and they have violated my right numerous times. After numerous attempts to resolve this issue with them ; they are continuing to violate my rights by not adhering to XXXXXXXX  law. I demand the account ( XXXX ) listed below be removed because : According XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Comenity Bank calls 8-10 times per day, everyday, even on weekends. They never leave a message or even a call back number. They call from XXXX different phone numbers and I have asked them to stop harassing me with the excessive calls, yet they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report and saw accounts linked to my identity theft case still reporting on my file.
Product: Credit reporting, credit repair services, 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 number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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: Checking or savings account

I have a XXXX account. When you try to find contact information in the app it shows an error, and it directs you to the self service menu. In that menu there is an option to close an account, but when you click on it only shows the process for a few seconds and then redirects you to the main help menu. It appears as a disingenuous trick to not let you figure out how to close the account.
Product: Student loan

Im writing this complaint due to my private student loans through navient. This started when I transferred to the XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX Florida from XXXX University in Alabama. When I talked to what they claimed to be student advisors they told me that they were an accredited university and that my credits would transfer and they had plenty of options for me to pay for schooling such as ; financial aid, scholarships and grants. A lot of the conversations were over the phone due to me living in Alabama at the time. I would often get brochures showing me how well the school has excelled since being an accredited university. So I decided to make the move and start my new journey. When I arrived in Florida I had the chance to actually see the school in person, but I noticed that some of the things told to me previous to moving werent the same now that I was there. When I called my previous school of XXXX university I was told by them that my credits were not transferable due to XXXX XXXX XXXX  XXXX XXXX XXXX  not being an accredited university this made me very weary with knowing that I just made this big move. When trying to get funds for schooling they later told me that my fasfa had ran out and no scholarships were available at the time. While dealing with this whole mess, I was ready to back out completely but when they told me that if I dont attend now that the courses I need to pursue my major would not be available to me after this point I felt cornered and pressured with not having any parental guidance nor guidance from the university. They told me the only way to get in was to try for a personal loan which they also added that I could get in my name and all I needed were references I later found out that they had forced my mother to enter as a co-signer explaining that is was just temporary and a precaution to better my chances. The loan was originally for {$12000.00} from XX/XX/XXXX until XX/XX/XXXX after a car accident that halted my transportation I decided to drop out before XX/XX/XXXX. Years later I would receive letters about repayment with not being able to repay what they asked, at the time I asked for options they told me that forbearance was my best option it would stop payments they never explained that my interest would accrue so high to the point that my total bill is now over {$29000.00}. And I attended the school for only one full semester. I have been threatened my mother more importantly has been threatened with them trying to put a lean on her home and countless other threats. I feel that this whole process is illegal especially the school I attended is permanently closed since 2015. They and navient have had countless lawsuits against them for partnering together to lure young kids like myself into signing up for this life long trauma. I just wanted an education that they told me was possible they promised me with job opportunities and as above, financial aid, grants and scholarships which none of the above have not nor were true. No one can even context the university to get my withdrawal dates or any other information that could be needed
Product: Credit reporting, credit repair services, 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. 

XXXX.Validate Account XXXX XXXX XXXX Account Number : XXXX : XXXXValidate Account XXXX XXXX XXXX Account Number XXXX XXXX XXXXValidate Account XXXX Account NumberXXXX XXXX Account NumberXXXX Validate Account XXXX Account NumberXXXX XXXX. Validate Account XXXX XXXX Account XXXX Validate Account XXXX Account NumberXXXX Validate Account XXXX  Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate 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 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 XXXX 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. 



I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I HAD 3 BANK ACCOUNTS WITH CITI BANK ( 1 CHECKING AND 2 SAVINGS ACCOUNTS ) FOR NO REASON AND WITH NO NOTICE THE BANK CHOSE TO CLOSE MY ACCOUNTS I WAS TOLD A CHECK FOR MY BALANCES IN ALL THREE ACCOUNTS WOULD BE ISSUED AND MAILED TO ME WITHIN 30 DAYS AND I HAVE RECEIVED NOTHING I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THE BANK IN REGARDS TO THIS ISSUE AND THEY REPEATEDLY DISCONNECT THE CALL WHEN I ASK FOR FURTHER INFORMATION THEY HAVE ALL MY MONEY I AM NOT ABLE TO PAY MY BILLS I JUST WANT MY BALANCE ISSUES TO ME AS PROMISED. THE TOTAL AMOUNT IS APPROXIMATELY {$14000.00} THEY ARE HOLDING OF MY MONEY I DO NOT HAVE SPECIFIC DETAILS BECAUSE THEY HAVE BLOCKED ME FROM VIEWING ANY INFORMATION ON MY ACCOUNTS
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Inquiries : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023
Product: Student loan

This company was unwilling to work with me when I was unemployed and They finally put me on an interest only payment plan when I asked to get my payment lowers. THey left. XXXX this plan for years and never offered me something better until recently. I filed letters with the bbb and contacted then numerous times. Everytime I got a different story and no one could give me correct information. Because of their lack of support my private loans have tripled the amount of what I borrowed. They told me at one point I could consolidate my loans to later be told I would have to consolidate them with another company as they no longer consolidate private loans. My interest rate on my private loans is 10 % on each theee loans. When I asked them for information on who I could consolidate with they kept giving me information for federal loans not private loans.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA 's purpose is to : Promote the accuracy, fairness, and privacy of personal information Govern access to consumer credit report records Ensure that consumer reporting agencies act fairly and impartially Company experienced data breaches and more inaccurate information is reporting on my consumer report.

The courts do not have a bankruptcy file on me and that false information is being reported and the company stated they received the information from the court house even though thats violating section 11 U.S. Code 107 where it says bankruptcy court do not report that information to credit bureaus
Product: Debt collection

Creedence resource management is trying to collect a bill from XXXX XXXX XXXX dated back XX/XX/XXXX XX/XX/XXXX. This false statement, XXXX years ago for XXXX. 
Creedence resource management has falsified the document with my signature
Product: Checking or savings account

I processed approximately 15 Stimulus transactions for people XXXX and 1 girl who was Homeless. 
I deposited on my bank, got cash and gave it to the person whose name was on check. ( Deposited in their XXXX  account or gave to a famiy member ). 
After 2 checks got cashed the bank told me to have my power of attorney and a notary signature to cash the rest of them ( I did ). 
The one girl who was Homeless had no I.D . therefore we could not get a notary but I had Power of Attorney. 
I signed it as a notary and we did not have a real notary due to no ID. 
I was wrong to do this but I did it for her. Someone I didn't even know. 
I legally helped these families but I did make a mistake by forging the check as a notary. 
The bank closed my account and put it on my report and NO bank will let me open an account! 
I need a bank account and I would like the bank to remove the negative comments to these banks. 
This was over a year ago and I know I was wrong but did it for a good reason. 
Please help me clear this up.