23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a {$75.00}, XXXX check on XX/XX/XXXX from the XXXX XXXX XXXX XXXX. The account is still frozen and I was told a force close was put on the account. The treasury department said that they paid out for that check on XX/XX/XXXX. My bank which is Huntington Bank will not give me any information..refuses to release the funds..would not give me the check back ... treats me basically like a criminal. I have not been able to access the money that was already in the account and I can't get anywhere when I call on the phone. I can't get any answers. It's a good check and they have been paid but will not release my funds.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX. Two men called me impersonating police officers. Reported that I had signed a subpoena and that I missed court. Reported that I was in contempt of court and failure to appear and needed to pay {$1500.00} for each offense if I wanted to avoid being arrested. They referenced my job title ( accurately without me saying ) several times. Reported I would eventually come to the police station to compare my signature and if it didnt match what was on subpoena, then I would get money back. Reported I needed to pay now so that they dont have to process me and have an arrest on my record. Reported that I didnt have a criminal record ( also accurate and I did not tell them ). They called from phone number that showed up with caller ID showing XXXX XXXX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX were phone numbers of each person. Person came on phone reporting that they were the supervisor and said I need to pay bonds. Both said I would get money back, its just procedure. Also said they dont take cash because of COVID. I challenged them several times and they had answers for everything. They were professional, rehearsed, and intentional. About two hours later, I paid them {$3000.00} via XXXX on my US Bank acct app with my business checking acct. XXXX XXXX XXXX was number. They said it was their financial dept. They said it didnt go through and I paid again through same acct. XXXX XXXX XXXX was second number. They said there was an error and it was still not going through so they would have to ask me to do something they rarely do. They sent me to my bank teller to get {$3000.00} again ( this time I grabbed from my savings and personal acct ) and sent me to XXXX XXXX off XXXX XXXX in XXXX to buy XXXX  They had me send them pictures to verify purchase ( which I now know was to get codes but I was unfamiliar with the whole thing ). This is a total of {$8900.00} ( apparently XXXX XXXX  machines only allow {$2900.00}? ). Then, they hung up and did not answer. I went to XXXX XXXX police department off XXXX XXXX in XXXX OR immediately and they said it was fraud and I should make a report after calling my bank to try to have it reversed. I called my bank and asked them to reverse which they said they couldnt do. They said they will report it to team for review. I made a police report and that case number is XXXX. I called US bank on XX/XX/22 and spoke to a woman who said my report was filed under dispute and not fraud and I should call back when it is denied to have it go back through as fraud. I called back XX/XX/XXXX and checked on review by bank. They reported that it was filed correctly, as dispute and not fraud, and there is nothing the bank can do because the government insurance doesnt cover this type of scam. Each person I talked to said this happens to people every single day and yet no one is able to do anything. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft My information was used to try to open credit card account and also to get car loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX, XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX - ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Student loan

I have been trying to get my payment counts updated since XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and my last 2 payments towards the 120 needed for public service loan forgiveness have still not been counted in the Studentaid.gov system. My last 2 payments were made XXXXXXXX XXXX XXXX XXXX XXXX Since then I have resubmitted a PSLF certification form on XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX. I have contacted the loan servicer ( XXXX ) and they assured me that Studentaid.gov has all the appropriate records needed to update the counts. I have also filed a complaint on the Studentaid.gov website on XX/XX/XXXX which was closed with no resolution and another complaint on XX/XX/XXXX which is still pending. I also submitted a request for reconsideration on XX/XX/XXXX. I have also called countless times during which I have been told my case is unusual and that there is a " glitch '' in the system that is preventing them from seeing my payments from XXXX ( this was told to me by an agent but not confirmed ). I have also submitted a separate CFPB complaint with XXXX specifically about this same issue.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information ReferraXXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account : XXXX  XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1400.00} Account XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Debt collection

XXXX XXXX bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify XXXX that I will pay this off once my house sells.
Product: Credit card or prepaid card

Someone has stolen my identity/information and is using it everywhere for various nefarious purposes. There were fraudulent charges on my credit cards that chase temporarily removed, then reapplied to the account. I reported the fraud as soon as it was discovered, but they put it back on less than a month later. My information is being abused, and chase refuses to do anything about it. I need these fraud charges removed from my account immediately. I have reported this to the police. 

XX/XX/2022 - {$1800.00} XX/XX/2022 - {$1400.00}
Product: Debt collection

On XX/XX/XXXX, this apartment complex made a collection for anothers month rent after i moved out on XXXX of XXXX. This collection is in the amount of {$1400.00}. This apartment has been under many managements from the year i lived there to now. 

I called the apartment complex which is under new management & they informed me that there is no record of this collection and no record of the old management to contact them. 

The debt collector doesnt want to even settle the debt at a lower price to close and delete this collection off my credit. 

I have sent in many documentation stating the account was once closed but they reopened it & a cease and desist.
Product: Credit card

I called the Navy Exchange customer service today to remove an authorized user from my account. I was told by a customer service representative and their supervisor to call back in 48 hours to remove the authorized user from my account, giving the person I am revoking authorization an additional 48 hours to make purchases that as of today I no longer authorize. They sited " system limitations '' as the reason I can not remove an authorized user from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my report that equifax did not verify with the court and its not mine, they are using infirmation from a 3rd party credit reporting agency who im also disputing it with, because they did not verify using my 9 digit social nor did they verify with the court. Equifax removed this bankruptcy then readded it to my report.
Product: Checking or savings account

Wells fargo doesnt send updates to an app i use.   XXXX   XXXX   app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

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

Dear XXXX, Experian, XXXX, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I don't dispute this is my debt, the only thing I have a problem with is the companies keep changing the dates on my report every 3 months, so the debt appears new every time they report it. So, I never have a date for which this debt will be removed in the 7-year time frame allowed by law. But they continue to report the same debt over and over again. And I was informed it was being generated by a computer system. I spoke with all 3 credit bureaus, and they said they can not do anything. How can a collection agency just keep putting the same thing on your report? Do I have any recourse in this matter? Please let me know if you need more information. I have tried to resolve this issue with both companies, but they aren't trying to work with me. I have disputed the amounts for one company and the other debt I have tried to get dismissed because my lease was up when I moved. The management and I agreed to my moving out but still charged extra charges, saying I didn't give proper notice, which isn't true. 

The two companies I am referring to are the following : XXXX XXXX XXXX and RENTDEBT AUTOMATED COLLECTIONS
Product: Debt collection

Central State Recovery did not make any attempts to contact me about any outstanding balance. I had to find out by pulling a credit report. This is unfair practice in Credit collection so say the least. 
CENTRAL STATES RECOVERY is representing XXXX XXXX for XXXX. This amount is different then the amount requested from XXXX XXXX. 
I paid XXXX XXXX on XX/XX/2020 XXXX as payment in full. 
Now CENTRAL STATES RECOVERY has reported collection attempts for XXXX. No attempts had been made, to collect XXXX.
Product: Mortgage

I have been attempting to save my home from foreclosure with a loan modification with Penny Mac Loan Services. They gave me a loan Modification in XXXX that was supposed to be for {$2100.00} per month per a phone conversation but was set at {$2700.00} and none of the Loan Amount and Past payments were reduced as also promised and I got no disclosure of what the Loan Amount was at all, just payment information only. I have been calling since XXXX to try to get a New Loan Modification set up with reduction in Loan Amount and Past Payments & fees by the guidelines of HAMP. Also my income and contributions from others has greatly increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Mississippi XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One MaXXXX XXXX  is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.
Product: Debt collection

Dear Spring Oaks Capital, I am writing to formally dispute the debt referenced in your communications and to assert my rights under relevant consumer protection laws. Please be advised that I am disputing any and all debts that you claim I owe. This letter serves as my formal notice that I do not acknowledge any debt or obligation to your agency. As such, I request that you cease all communication with me via email, text messages, phone calls, or U.S. mail. In addition to disputing the debt, I am requesting that you provide the following documentation : 1. Validation of the Debt : Please provide proof that I am legally obligated to pay this debt, including a detailed account of the original amount and any adjustments or fees added. 2. Purchase Agreement : Send me a copy of the agreement or contract between your agency and the original creditor, demonstrating your right to collect this debt. 3. Proof of Licensing and Bonding : Provide evidence that your agency is properly licensed and bonded to collect debts in my jurisdiction. Please be advised that my dispute and requests are based on violations of the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) This regulation addresses the requirement to cease communications with a consumer upon request. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation relates to the validation of debts and the necessity of providing verification when requested. 12 CFR 1006.34 ( d ) This pertains to the prohibition against continuing debt collection efforts without proper validation. 15 USC 1681-S2 ( 7 ) ( A ) This provision under the Fair Credit Reporting Act requires that entities ensure the accuracy and validity of the information they report. Due to these violations, I request that this debt be removed from all records and reporting agencies. Any continued reporting of this debt after receiving this dispute will be considered inaccurate and in violation of consumer protection laws. Please acknowledge receipt of this letter and confirm that you will cease all collection activities and communication until you have provided the requested validation and documentation. Thank you for your prompt attention to this matter.
Product: Mortgage

On XXXX/XXXX/2016 I obtained a Mortgage for the amount of $ XXXX for the building that I perform my business from First Citizens Bank XXXX 
Bank is implementing coercive actions to force me to transfer my business accounts that I have with XXXX to them, although we went through all of my accounts and they can not match the service and the term that I currently have with XXXX, otherwise they will increase my mortgage rate by 3 %!! I keep receiving threatening phone calls and letters from First Citizens Bank. I believe this is an illegal business practice and I am asking you to advise them and make them stop.