23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I managed somehow to pay United Debt Holdings. Which I found out later on never to pay a debt collector without validating the debt first. Moving forward I have been attempting to reach someone at the United Debt Holdings  who can give proper validation of this account. I recently sent a certified notarized letter to the Chief Compliance Officer XXXX XXXX XXXX and received no feed back on validating the account which XXXX XXXXXXXX XXXX sold to them. In previous conversations I found out that United Debt Holdings outsourced the account to another debt collection company that is no longer in business. Their lack of response lets me know United Debt Holdings is unable to give proper validation.
Product: Checking or savings account

Got a call from citizens bank representative on XX/XX/year> saying a check had been mailed that same day XX/XX/year> its now XX/XX/year> and I still dont have it. Not sure if they were telling the truth
Product: Vehicle loan or lease

Dear who May Concern, I leased the XXXX XXXX XXXX, and I did set up an ACH automatic withdraw from my checking account for three years. Suddenly, the system stopped withdraw my money and reported delinquency to the bureau Agency. My lease was expired in XX/XX/XXXX, and there was a lockdown for a pandemic. That is why I couldn't return the vehicle, and they continuously ask for payment and late fees. I did contract XXXX XXXX few times to remove the delinquency on the bureau, and they responded, " there is nothing I can help, and you have to contact bureau agency, '' ; even though I had to make full payment on XXXX, XXXX and XX/XX/XXXX. I contacted XXXX  to dispute, but the result remained the same because XXXX can't contact XXXX XXXX. I couldn't reach the XXXX XXXX credit dispute center either because there is no contact phone number. I had an excellent 800s Fico, and it dropped to 600s because of XXXX XXXX ; they are violating UDAAP-Unfair.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I was approved by my mortgage company for the HAFA Program ( Home Affordable Foreclosure Alternative Option ) and entered into an agreement with RoundPoint Mortgage Service Company to transfer my property to them by doing a Deed in Lieu of Foreclosure on XXXX XXXX, 2015. Part of the agreement was they would waive the deficiency Amount outstanding. At which point RoundPoint would then issue me a XXXX after everything was completed at the end of the year ( 2015 ). To date I still have not received the XXXX even after repeated phone calls and requests made to them. Instead they inaccurately issued me the wrong form a ( XXXX ) and now refuse to correct it, because the representatives are confused and they continue to say it 's a foreclosure even when all of their own documents show that it 's a deed-in-lieu. At this point I do n't know what to do and how to get this situation resolved with them, because for me to accurately and correctly report the deed in lieu on my own 2015 XXXX Tax Return, which would be the correct year, I need them to send me a XXXX form, but they still refuse to do so no matter how many times I 've called and tried to explain it to them. So I 've attached supporting documentation to verify my position and request.
Product: Mortgage

I received a letter from Mr. Cooper on XX/XX/XXXX in which I was given five options to choose from. The five options are and I quote : 1. Refinance the loan with us or another lender ; 2. Modify the loan with us ; 3. A voluntary payment forbearance temporally gives you more time to pay your voluntary monthly payment ; 4. A voluntary repayment plan that allows missed voluntary payments to be made up over time ; 5. or If you are not able to continue voluntarily paying the mortgage, your best option may be to find more affordable housing. You may be able to either surrender your home through a Deed in lieu or sell your home and use the proceeds to pay off the loan, even if the proceeds are not enough to pay the loan in full ( short sale ). These are the options given and I chose the Short Sale. I hired a Real Estate Agent Who called Mr. Cooper to seek approval for the short sale. Mr. Cooper responded that my Real Estate Agent should enroll in Mr Cooper 's Short Sale Validation Program which she did. Mr. Cooper asked for documents to be submitted also which she did. Mr Cooper asked my  Agent to List my house with XXXX XXXX, also which she did. Now to my greatest surprise I received a foreclosure sale notice from The XXXX XXXX, XXXX. on XX/XX/XXXX that my house is scheduled for foreclosure sale on XX/XX/XXXX. First of, Mr. Cooper is violating the Virginia Dual Tracking Law. Second of all, Mr. Cooper is violating Virginia Foreclosure law by not advertising the foreclosure sale on the local news paper. Then The XXXX XXXX, XXXX lied AGAIN as usual that I should find enclosed the advertisement of the foreclosure sale in XXXX XXXX   XXXX. I couldn't find any attached advertisement as claimed by The Trustees.
Product: Debt collection

I had the same company attempting to collect from XXXX a few years back, while Im not certain if it is the same collection or a different one altogether, what I am sure of if that this debt does not belong to me. I have not had nor have any delinquent debts or services from XXXX. I have XXXX services and have had the same service for more than ten years. The previous attempt to collect on an invalid debt was proven not to be mine. 
I have only one cable account and that is at my residence in Indiana and is paid monthly from XXXX. And I was informed already that this isnt that. My guess is that I am once again a victim of identity theft.
Product: Checking or savings account

In XXXX my account under an old name at Chase bank it was reported as fraudulent due to a lack of security measures on the banks end my account had been compromised. 
I went into the local Chase bank at the time in XXXX when this happened and reported the activity and closed it down due to this activity I received the money back and was told by several of the CSR people that I would be able to open an account with chase again if I wanted to. 
However fast forward to XXXX today and they are switching up what Chase told me years back and telling me that my old account is still under investigation and that it's showing as active. 
I call and call repeatedly I get the same response " oh we will send you a letter stating why '' no letter ever comes nor does anything come with any reason as to why I am unable to open a new account. 
I have provided proof of my name change to CSR people at the facility ( several ) and when they try to help even they don't get a answer as to why I am unable to open an account. 
I haven't changed my social number nor have I had any indication that it was compromised because of their lack of security. 
This was a issue and problem on the banks end not my own and yet I am the one paying for it and they won't give me any explanation even when I present my social to them in person or over the phone. 
If I even try to open an account under my name it gets closed within a few days for " suspicious activity '' it's frustrating and annoying and starting to XXXX me off. 
I have contacted the credit bureaus and they tell me that there is no more connection to my old name with anything but yet this is still showing as a active account on chases end and I am still receiving things from a supposed closed account. 
On top of it all they continue to send me emails and marketing things that I am " eligible '' for. How can I be eligible if I can't access an account nor get into an old one that was supposed to be closed years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In response to your request to remove adverse information that resulted from being a victim of trafficking, we received the required documentation, removed the information you identified and mailed you a copy of your updated credit report. Should you wish to contact Experian and transunion you may do so. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 18 U.S. Code 1028A is a federal law that makes it a crime to use another person 's identifying information to commit a felony or terrorism offense. This crime is called aggravated identity theft. 15 USC 1681b section that outlines the permissible uses of consumer reports. It is part of Title 15, Commerce and Trade.
Product: Credit card or prepaid card

My son had his truck stolen. A police report was made and we had to go to court. His personal phone and our company phones and tablets were stolen from the vehicle. These devices were then used to access personal and company financial information. Charges were made through our cash apps to cash app multiple individuals, sometimes as many as XXXX etc transactions were made per day. XXXX XXXX XXXX did not flag the transactions as suspicious. When we found out, a fraud alert was placed on the cards. New cards were sent out. When we received the cards they wouldnt work. We called again and new transcations were made but not from the cards. They sent new cards again. Then again. Then again. We still were not able to use the cards, but transactions were still being made online though cash app even though the physical cards would not work and the fraud was reported. XXXX XXXX continued to let these indiviuals drain the cards account and post payments from personal and company accounts so they could continue to pull money from the cards. XXXX XXXX was informed of this and continued to let it happen know the physical cards were not working and they were also made aware that the financial information was stolen when the truck, computer, and both phones and files containing the financial info was taken. They were informed that there were police reports and court documents and still insist that myself and card holders gained from these transactions. There are only XXXX card holders, my husband and myself. No one else is authorized to use the accounts except my son when he is given permission while doing business for the company.
Product: Debt collection

I recently received a strange, accusatory letter from Designed Receivable Solutions in the mail claiming that I had not paid my medical bills from XXXX XXXX Hospital.  This was initially alarming because XXXX withdrew the last amount owed from my account when it was due in XX/XX/2018. We had set up an auto payment. Everything has been paid in full. I checked my XXXX XXXX account and the balance was {$0.00}. I became very suspicious because something does not seem right with this bill from Designed Receivable Solutions. They are claiming I owe a balance of {$390.00}. They are also attaching interest to this amount every week that it goes unpaid. I have found multiple reviews online claiming this company is a fraud. They have been scamming people out of money for years.
Product: Credit card or prepaid card

I went to XXXX XXXX  on XX/XX/XXXX or XXXX, 2018 with my partner and on our way out, we stopped by Kay Jewelers to inquire how much it would cost to resize and clean our rings. The store associate who assisted us was XXXX and then the store manager, XXXX. XXXX had me fill out information so I could leave my ring for resizing and cleaning. He said I had to fill it all out and sign at the bottom so I would be able to be registered in the system and pick up my ring. However, he proceeded to take my information, ran my credit, and used my information to pre-approve and apply for a credit card without my consent. I am very well educated with credit and how it works. He ran my credit and applied for a credit card without my consent. I was furious that he did this without my permission when he said this information was just to register me in the computer to set up my account to pay for the order. 

I asked the manager why he thought it was okay to lie to me and apply for a credit card without my consent. The associate was well aware of what was going on because he was embarrassed and went to hide in the back until we left. I asked for the district manager 's contact information and he refused to give it to me. The store manager, XXXX, proceeded to laugh and say it's not a big deal, you'll get a card now and be able to shop. I had no intention to ever get a new credit card especially for Kay Jewelers. He laughed at me and said " if it's such a big deal, when you receive the card, just cut it and call and cancel it, no big deal! '' I left the store incredibly upset. 

I immediately went on XXXX for Kay Jewelers customer service and I called customer service and they refused to give me any information. The associate on the phone just said to cancel the card when I receive it. 

The pre-approval process runs your credit. When you run your credit, it lowers it. When you apply for a credit card, it runs your credit. This is something I never wanted. 

I finally got a hold of the district manager, Georgia XXXX XXXX, and I explained my situation. She said there was nothing she could do on her part, but to talk to the store manager. She offered a free ring clean when I stop by a particular mall that is out of my way. 

My concern is the manager lied to a customer, me, and asked for information and wrongfully used it to apply for a credit card that the customer never wanted and saying it was the registration form to be in the system and drop off a ring. That's a huge fraud problem in itself. Second, the company did nothing about it and didn't fix the situation and my credit took a toll through it all. Third, I don't even want to know how many times the associates or store manager at  this location have wrongfully done this to countless of innocent customers/people window shopping at their store. Incredibly wrong. 
After this incident, it's sad to say that their reviews verify that this has been an issue in the past and I refuse to use Kay Jewelers for anything. I'm most upset that my credit took a toll with this and I have a credit card open under my name when I never approved for this.
Product: Credit card or prepaid card

This complaint is a follow-up to complaint number XXXX. I just went to my account and was informed that I needed to call their is a fraud alert on my account. What happened was I was trying to make a payment to a company in XXXX, XXXX XXXX, and every time I tried it was declined. I called Citi and they couldn't figure out what was going on. They would try to do something on their end and then asked me to try again and it would get declined again and put my account into fraud mode again. This went on for hours and they could not fix the problem and then basically said they don't know how to fix it. This morning, XX/XX/23, I called Citi because of the fraud alert. They said they needed to verify my information. I answered all the questions and then they wanted a telephone number of a relative with my last name to call them to verify my identity - that is totally unacceptable. I said that I would not give them a number a relative with my last name. They said the would send me a letter in the mail to in 5-7 days and that will tell me what to do. I opened this account 4 days ago. This has been by far the worst customer service I have ever experienced. I have decided to close all of my accounts with Citi.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy twice in XXXX. However, I did not proceed with the confirmation hearings, and thus, no judgments were filed. XXXX has already removed these inaccuracies from my credit report. Enclosed are copies of my bankruptcy filings, court correspondence, and my updated XXXX credit report for your reference. I submitted my dispute to XXXX online. There was not an option to submit my additional documentation although the dispute center states that there is a space to submit supporting documents online. I've also connected with XXXX via their phone dispute service, in which I was informed that XXXX does not remove erroneous information on public records. They refused to submit my dispute.
Product: Debt collection

In 2015, I paid this debt off via bankruptcy court. I completed a payment plan. Years later, I forgot I paid it off and found the court documents last year. I started paying again so they actually owe me money. The last company I was paying is Pressler, Felt and Warsaw. There are various account numbers.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX  XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXX {$710.00} XXXXXXXX XXXX  XXXX {$8800.00} XXXX XXXX {$2000.00} XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX {$0.00}