23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a dispute with XXXX XXXX ( XXXX XXXX : XXXX ). I have filed a dispute to the bureau that I currently have opened a dispute that I opened before with the file number that I included as a reference, I received a completion that the dispute information was accurate and I called XXXX XXXX and they had it disputed again. I'm reaching out to get federal documentation that it is fraud and doesn't belong to me and it needs to be removed and deleted off my account. The collection was opened by AMSHERCOLLECTIONSERVICES, for {$220.00}, on XXXX. XXXX, 2023. I reached out to the company via email and phone and no one has reached back. 

Amsher Collection Services has received XXXX XXXX  consumer complaints and XXXX Consumer Finance Protection Bureau ( CFPB ) complaints, the substantial majority dealing with debt that is allegedly not owed. In several cases, the collector continued reporting debt to consumer collection agencies even after being informed the debt was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act Reliant Cap the following instutions : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my information corrected on my report My Namw is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX My employer is XXXX XXXX XXXX All of the rest need to be removed because of fraudulent activities.
Product: Vehicle loan or lease

I recently purchased a truck through first National Bank of Pennsylvania. My first payment was due in XXXX. They would not take my payment over the phone and I was forced to mail a check. However something happened in the mail and it was returned to me. It looks like the XXXX sorting machine stripped off the label First National provided. I called first National Bank to try again and was told the only way to make a payment over the phone is when you are delinquent and past your grace period. Which of course means you incur a late fee. They waved the first one from XXXX. I just called to try and pay my XXXX truck payment and was told I could not until I was past my grace period. they told me I could come into a branch, but I do not live anywhere near a branch. They told me I could ACH transfer between from my bank and set that up electronically. I informed them that I do not do that any longer because I've had trouble with my information being hacked in the past. I'd like to file a complaint because they are making it extremely difficult for me to make a timely payment without incurring any kind of fee.
Product: Student loan

On XX/XX/XXXX I submitted an Employment Certification Form ( " ECF '' ) for Public Service Law Forgiveness. This form was auto generated through StudentAid.gov, and had a number of errors such as stating my EIN was not a government agencyXXXX when it in fact is. This error ultimately was on my part for failing to adequately review the form. 

I resubmitted the ECF on XX/XX/XXXX and it was rejected due to a failure of me to date the form. This error was on my part. 

I resubmitted the ECF on XX/XX/XXXX. The ECF covered approximately 21 payments. I received a response on XX/XX/XXXX. Despite having submitted an ECF beginning XX/XX/XXXX, FedLoan ignored the time period between XX/XX/XXXX and XX/XX/XXXX and only certified one payment. The other 20 payments remained eligible, but not certified. The explanation that I was provided was that on my XX/XX/XXXX ECF form I used the start date of XX/XX/XXXX rather XX/XX/XXXX, which I put in based on the following instruction from StudentAid.gov PSLF Help Tool : " Note : Only add your employment history since your last approved employment certification '' No explanation was provided for why the period of XX/XX/XXXX through XX/XX/XXXX was ignored On XX/XX/XXXX I submitted another ECF. To date, I have not received any update on that form and have an e-mail chain consisting of numerous FedLoan representatives providing conflicting information, stock responses, and a general lack of clarity. In one instance, XX/XX/XXXX, XXXX informed me that the reason for the delay was because I did not use the form on StudentAid.gov. I did. No explanation has been provided for why this was informed to me. In another e-mail, I was told it was a general review of all employers ; however, my employer remains on StudentAid.Gov as verified. It appears evident that if a customer service representative does not know the answer to a particular problem, they answer with either a guess or a stock response rather than escalating it to someone who can provide an honest, direct answer. 

I have worked for the city of XXXX  XXXX without interruption since XXXX of XXXX. It is a government agency. Further, I am an XXXX engaged in XXXX XXXX XXXX, which is a secondary basis for eligibility. My employer is unquestionably verified, and the EIN continues to appear as Eligible in the PSLF help tool
Product: Debt collection

Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was XXXX lifted to the hospital along with my XXXX year old daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for your help.
Product: Credit card

In XXXX of 2018 my social security was used to a credit card without my consent. My mailing address is my parents home which i moved out early 2018 but my mail was still being sent there. My W2 was stolen by my parents tenant and he was able to gain access to my personal information. I wasnt. aware of this. issue until this year since i wasnt sent a letter from a lawyer firm suing me for XXXX.
Product: Credit card

I sent a Negotiable Instrument dated XX/XX/XXXX  to Navy Federal Certified Mail which they immediately returned with no letter or explanation which is a violation of XXXX. XXXX ( i ). DISCHARGE BY CANCELLATION OR RENUNCIATION. 
( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 
( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. 
( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. 
I sent it back out of courtesy because they did not endorse or even try to run it through the Treasury because there was no signature on the back. I explained that the instructions are below the Negotiable instrument. 
They sent me a package with copies of everything I had just sent them and copies of statements as validation of debt which I did not ask for. I know this is a common stall tactic b

y Navy Federal. 
They have not applied this to my account which violates timing of Payment and XXXX XXXX. TENDER OF PAYMENT. 
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 
As you can see in XXXX XXXX. TENDER OF PAYMENT ( b ) if a Negotiable instument is refused, there IS DISCHARGE TO THE AMOUNT OF TENDER. 

I did receive one more letter stating the routing number was wrong but how would they know that if they did not endorse it or try to run it through the Treasury? I know the routing number very well. This is another stall tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had XXXX on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad XXXX three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.
Product: Checking or savings account

I am reaching out to urgently address a matter of significant concern involving Wells Fargo and a promotional bonus offer that I believe has been unjustly denied to me. This issue not only involves a potential financial loss but also raises serious questions about the bank 's adherence to its own promotional agreements and commitments to customers. 

Specifics of the Case : Initial Account Opening and Offer Terms : On XX/XX/2023, I opened a new checking account with Wells Fargo, motivated by a promotional offer clearly stated at the time of account opening. This offer explicitly promised a bonus upon meeting specific eligibility requirements within a designated timeframe. 

Compliance with Stipulated Conditions : According to the terms of the offer, I was required to open the account with a minimum deposit and receive a total of {$1000.00} or more in qualifying electronic deposits within 90 calendar days of the account opening. I diligently fulfilled these conditions, ensuring compliance within the specified period. 

Validity of the Offer at the Time of Agreement : Crucially, the offer was valid and in effect at the time of my account opening on XX/XX/2023. The expiration date of the offer ( XX/XX/2023 ) does not negate the validity of the contract formed at the time of my account opening, nor does it diminish my eligibility for the bonus, given that I fulfilled all requirements within the stipulated 90-day qualification period. 

Unjust Denial and Inadequate Response : Despite fulfilling all the conditions, when I inquired about the bonus, I was informed that the offer had expired and that I was ineligible. This response is not only inconsistent with the terms of the agreement but also lacks any substantial justification, considering the timeline of my compliance and the active status of the offer at the time of my account creation. 

Failure in Follow-Up Communication : Adding to the concern, the customer service response has been unsatisfactory, with a lack of clear explanation and a failure to follow up as promised, indicating a serious lapse in customer service and accountability. 

This situation represents more than just a personal financial grievance ; it signifies a potential breach of contractual promises and a disregard for customer rights and expectations. The failure to honor a valid promotional offer, coupled with inadequate customer service response, undermines the trust and confidence customers place in Wells Fargo. 

I urge you to give this matter the serious attention it deserves and look forward to a prompt and equitable resolution as this is outright fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit reporting or other personal consumer reports

XXXX 5 attempts this year each time no response or only statements were sent. This is not proof of verification. 

XXXX 6 attempts this year each time no response or only statements were sent. This is not proof of verification. 

XXXX 6 attempts this year each time no response or only statements were sent. This is not proof of verification. 

XXXX 8 attempts this year each time no response or only statements were sent. This is not proof of verification.

Letter sent : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay YOU. Please keep in mind that itemization of debt/past billing statements alone are NOT proof. I require solidified documentation with my signature along with the following. 

Please send the following information : -The name and address of the original creditor, the account number, and the amount owed -Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
-Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about vour authority to collect this debt, whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number. Along with the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Product: Student loan

My loan was serviced by XXXX XXXX. XXXX XXXX in turn merged / sold itself to Navient. 

I have detailed communications showing that agents at XXXX XXXX and Navient promised to adjust my accounts to XXXX balance when under {$50.00}, and was informed of such through various account documents forwarded to me. I requested such on a recent account that fell below {$50.00}, and Navient agents promised me they would do so. Then they did not. More agents promised me they would do so. They did not. I am now in receipt of correspondence from Navient telling me that, despite communications to me historically, they had not in fact adjusted to XXXX the balances they had claimed they do. Navient is either misrepresenting the history of my account 's treatment, or lied to me about what they would do. Navient claims that they " ca n't '' adjust when DOE owns the loans, but in the same email, wrote me that they had adjusted at least XXXX of my accounts to XXXX when the balances were below {$1.00} ( the previous lies being when they were below {$50.00} ). I have copies of such correspondence to share with DOE personnel. 

This kind of constant back and forth with Navient is characteristic of their firm. They are unaccountable, monolithic and deceitful. They should be punished and disenfranchised of their servicing contracts. I pay thousands each month dutifully and expect the practice of adjustments I became accustomed to with XXXX XXXX and was promised would occur and had occurred with Navient to continue. Navient agents are either completely incompetent, or utterly deceitful. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent.

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, you have charged off/cancelled the debt as income loss. Income is not reported on a consumer report, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

By : XXXX XXXX XXXX by XXXX All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX card # XXXX XXXX XXXX XXXX he was from the netspend fraud team and said my identity was compromise so I had to verify my identity and I did card was blocked and a card was expedited Tuesday XXXX XXXX ending in XXXX and card number XXXX was also blocked Tuesday XXXX that I just received today XXXX XXXX today card number XXXX block today and the agent still didn't activate card XXXX that supposed to be a replacement card for card ending in XXXX