23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX, I received an email from my American Express Bluebird account/card stating the following during a recent review of your account, you are in violation of section : 22D. Your account is locked and suspended. I called the number on the email : XXXX, and the lady told me she can not help that I have to write a letter. This makes absolutely no sense. I have been using the account for 9yrs and I have direct deposit twice a month. I have never had an issue with this bank but now this. I have a direct deposit going in on XX/XX/10 and my work can not stop it in time. Please help. Also, I can not even log into my account. It keeps giving me an error.
Product: Checking or savings account

I cashed a check for a friend thinking it was a legitimate check because they had know banking. They had the check made out to my name so that I could deposit it. The depositing of the check took place on XX/XX/XXXX. That very same night following into XX/XX/XXXX the bank notified me via email and I contacted them. They said once the information was verified the check would go through. So I tired to get in contact with my friend and they were acting very suspicious on not giving me any information about the bank or the number of the company of where this check was written out to me. Now today on XX/XX/XXXX the check was reversed onto my account and now my account is negative XXXX dollars. I am in utter despair and I am unsure of what to do. I have contacted my bank and am waiting on a call back but am still unsure of what to do. Another thing the bank never credited that money to my account or made the account available because it was on hold so its not like I ever had access to the money or it was technically even there, so I am unsure on why I am being penalized when how could I have known.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background information is incorrect, and my record been expunged.
Product: Debt collection

Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay and that their " litigation '' department had verified the debt. I ended up paying something like {$7500.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$7500.00} refunded.
Product: Checking or savings account

I met online this guy who told me that if I invest money on those XXXX  I will make money very quickly! First I invested {$5.00} 000, I made like {$2000.00}, then he told me if I put more money I will get it like the double so I trusted him and I put {$10000.00} and of course I lost everything the following week. Then no more news from him, actually he is ghosting me. Chase Bank proceeded with these payments which is why I hold them responsible., 10. Choose yes/agree 11. I believe it would only be a fair resolution and one that makes sense. For Chase Bank to refund me the money I lost due to their negligence.
Product: Student loan

I co-signed for my sons XXXX loan which has now become XXXX principle balance. I`ve tried to deal with Sallie Mae and Navient. Often times his loan payment was applied to his other two lower interest loans. He was encouraged by the lender to use the forebearance option without explanation of the consequences. Navient engaged in deceptive practices regarding its policies. Consumer protection for the student borrower and the co-signor were ignored. To be released from the loan was not fully explained. Due to these unethical practices my credit score has been affected. Not only that, but my sons credit is ruined.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX 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 may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report this morning, I noticed some unauthorized inquiries that I cant explain. I viewed my report as I usually do, but, unexpectedly, there were inaccuracies present. I tried refreshing the page to see if it might just be a technical error, but the inquiries still showed up. I am demanding an immediate check of the documents I've submitted to prevent any more concerns on my part.
Product: Checking or savings account

Pursuant to my complaint # XXXX to CFPB, Regarding closing my account, enclosed is the Citi Bank 's letter dated XX/XX/XXXX, stating of the account closure and issuing an official check for the balance deposit to account holder 's address on the file within sixty days of the letter. As of this date XX/XX/XXXX, Citi bank not only has send my {$100000.00} deposit balance, but also no bank statement was sent since XX/XX/XXXX. 
Here again the Citi Bank violates its own commitment to customer, besides closing my account with irrational and abusive actions. 

I must emphasize, Citi Bank disregard my honest error by returning {$100000.00} transfer to resolve the issue and now withholding my {$100000.00} deposits over 115 days. Citi Bank restricted and closed my account on XX/XX/XXXX. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX  **** Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX XXXX Date Opened : {$360.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

On XX/XX/XXXX I mailed a debt validation letter to XXXX XXXX XXXX and they refused to validate the alleged debt. ( see attached ) It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. According to the law, debt collectors have to show proof of a debt if you ask them.
Product: Credit card

On XX/XX/XXXX, I placed an order on XXXX for a XXXX XXXX XXXX XXXX using my Discover credit card, but that order was never delivered. XXXX says it left the device in the locker room on XX/XX/XXXX, but I was unable to locate it as it was not on the shelves nor did I receive a notification that the locker was occupied with my package. Because of the missing notification I contacted the apartment staff to locate it. They were unsuccessful. Because of that issue, I contacted my local police department ( XXXX XXXX ) to launch an investigation for package theft and review camera footage to see if anyone took my package before I got there. The officer was also unable to determine where my package was and ruled out the possibility of theft, and the investigation was concluded. I received a formal police report to submit to XXXX to get my refund, but every time I uploaded it with all the criteria needed, they declined it saying I need to reupload with the " required '' criteria, even though it was already on the police report. XXXX does not officially give me the option to escalate this problem any further, so I reached out to my credit bureau, Discover, to settle this by creating XXXX chargebacks, one for the initial payment for the order, and one for the second payment for the order ( I opted in for monthly payments at the time of purchase ). I included the official police report as well as my receipt from XXXX but the chargebacks were declined regardless. I spent almost XXXX dollars for a product that I never received, and the XXXX corporations that were directly involved with the order refuse to give me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was found invalid and deleted from my Transunion report. Two days later the same company " Changed their company name '' but with same address, account number etc. added {$3.00} to change the amount!!!! It was already deleted from my report per Transunion!
Product: Credit reporting or other personal consumer reports

Code ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-XXXX XXXX HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
( Accounts ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX needs to be removed from my credit report " I have not supplied proof under the doctrine of estoppel by silence, Engelhart v Gravens ( Mo ) SW715, 719,1 presume that no proof the alley + debt, nor therefore any such debt exists this company is sharing my information back and farward with another company and it is illegal to do so without my permission
Product: Mortgage

WELLS FARGO BANK REPORTS THEY ARE SERVICER FOR XXXX XXXX XXXX BUT XXXX XXXX XXXX STATES WELLS FARGO IS N'T SERVICER NOR XXXX XXXX XXXX IS NOT LENDER / INVESTOR FOR MORTGAGE LOAN. WELLS FARGO BANK CONTACTS XXXX XXXX XXXX AND TELLS XXXX XXXX XXXX, A DEPARTMENT XXXX IN XXXX XXXX XXXX IS INVESTOR FOR MORTGAGE LOAN. XXXX XXXX XXXX XXXX REPORTS SHE NEVER HEARD OF XXXX IN XXXX XXXX XXXX AND DO NOT HAVE CONTACT NUMBER TO DEPARTMENT IN SAME CORPORATE BUILDING. WELLS FARGO BANK AS SERVICER REPORTS XXXX XXXX XXXX HAS NO CONTACT NUMBER OT INVESTOR WELLS FARGO BANK IS SERVICER. WELLS FARGO BANK REPORTS TO HAVE REMOVE DEED FROM MERS XXXX AND FOR TWO YEARS PLUS SENT DEED TO XXXX XXXX XXXX TO REVISE. WELLS FARGO BANK / XXXX XXXX XXXX REFUSED TO PROVIDE PROOF OF PROMISSARY BNOTE BUT TRYING TO FORECLOSED ON PROPERTY WITHOUT DOCUMENTATION OF PROOF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/year> Consumer XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

During XXXX, 2015, I placed a fraudulent alert on my credit report against my Social Security Number. After three four months I requested Experian and XXXX to please remove Fraud alert against my SSN so that I may get credit card, mortgage loan and some other financial products but these credit bureaus are not responding to my request and turning a deaf ear to my question. I also submitted them my written request for removing fraud alert my my effort remains futile. Now I hereby request you to please persuade all XXXX credit bureaus for removing fraud alert against my SSN on my credit report and kindly keep me informed in this regard as I have to raise my kids, and want to take care of their financial needs. Matter may be considered on urgent basis please. If you want postal authorities receipts of my mail that can be provided on demand.
Product: Debt collection

They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX  and XXXX  to remove these off my report and they refuse to do so.
Product: Student loan

I had a payment of {$310.00} due on XX/XX/2024 to the servicer of my Direct Unsubsidized Federal Student Loan, Edfinancial Services. 

On Thursday, XX/XX/2024, I authorized this payment ( {$310.00}, to be deducted from the same checking account from which I've made all previous payments to Edfinancial Services ). The company acknowledged my payment with a confirmation email on Thursday, XX/XX/2024, which confirmed Payment Confirmation # XXXX was submitted on Thursday, XX/XX/2024, XXXX : {$310.00}. 

On Sunday, XX/XX/2024, I received a message from Edfinancial Services informing me that my last scheduled payment ( due XX/XX/2024 ) " has not been received, and your account is now 3 or more days past due. '' I then checked my bank account and saw that 1 ) since XX/XX/2024, the balance has remained more than sufficient for the authorized amount to go through, XXXX ) my bank account authorized the payment of {$310.00} on Monday XX/XX/2024 at XXXX EST. 

I then contacted Edfinancial Services about this matter via their live customer service support chat on XX/XX/2024 at approximately XXXX EST. The agent, XXXX, first told me that my most recent payment has not been submitted and that I last paid {$310.00}. I told them " you just said 2 different things '' and provided the Edfinancial Services payment confirmation # reflecting that I had made my most recent payment on time and in full. She said it will take 2-4 business days for the payment to be reflected ; I told her that's fine but that my account should not show as past due and that I was concerned that this has impacted my credit score. I also told them that if the company needs the payment to be made earlier to allow for their processing times, then the due date should reflect this or they should otherwise communicate and highlight it to the borrower clearly. XXXX repeated that the payment sometimes takes 2-4 business days to post and when I repeated that I was concerned about my credit score, they said " Your credit score will not be negative impacted. '' I asked how they know that, and told them I would escalate this complaint as their replies were not helpful, and that I had documentation of everything I was currently describing. XXXX then promptly disconnected the chat without further response. I was not provided with any record of the conversation. 

I have previously authorized payments to Edfinancial Services on the due date and have not experienced this issue. For example, on Monday, XX/XX/2024, I authorized a payment for Amount : {$250.00} ( the amount then due ), which was due on XX/XX/2024, and confirmed via Payment Confirmation # : XXXX. My bank account reflects that that payment was authorized on Tuesday, XX/XX/2024 at XXXX XXXX  EST. Edfinancial Services reflected this payment as on time and I did not experience the issue I am currently experiencing for the XXXX payment.
Product: Debt collection

Complaint Regarding Unvalidated Debt Collection and Reporting by UCB Collection, XXXX, and Experian To Whom It May Concern, I am writing to file a formal complaint regarding a debt collection account reported by UCB Collection on my credit reports with XXXX and Experian. The debt in question has not been validated despite my formal dispute and repeated requests for verification under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Details of the Issue : Collection Agency : UCB Collection Credit Reporting Agencies Involved : XXXX and Experian Dispute History : I disputed this account with UCB Collection on [ date of dispute letter ]. 
I requested validation of the debt, including proof that the debt is mine, the original creditor, and an accurate accounting of the debt amount.

UCB Collection failed to provide the required validation within the legally mandated time frame.

Reporting Issues : Despite the lack of validation, UCB Collection has continued to report this account to XXXX and Experian. 
Both credit reporting agencies have failed to remove this account after my disputes on [ date ( s ) of dispute ( s ) ].

Violations : UCB Collection violated FDCPA 809 ( b ) by failing to validate the debt after my written request. 
XXXX and Experian violated FCRA 611 by not conducting a proper investigation or removing the unverifiable account from my credit report.

Requested Resolution : Immediate removal of the unvalidated collection account from my credit reports with XXXX and Experian.

Confirmation from UCB Collection that this account is no longer being pursued. 
A formal acknowledgment and resolution of this complaint. 
I request that the CFPB investigate this matter promptly. This collection account has caused significant harm to my credit and financial well-being, and it is crucial to resolve this issue fairly and lawfully. 

Thank you for your attention to this matter.
Product: Debt collection

This Encore company has called me at least 4 times a day nearly everyday, including Sundays and Saturdays, as early as XXXX XXXX. They will all and hang up as soon as I answer, or they will go to voicemail and leave no voicemail. When I call back sometimes they hang up on me when I demand more information from them, since they are asking me for my information. The calls are 100 % harassment and I have already asked them multiple times to only correspond with me via standard mail, as my job requires me to wear PPE which I must remove every time I get a call. They are impeding my ability to perform at work and to rest at home. Totally predatory and non helpful, this is not the first time this company has been in trouble for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed over and over the account listed under XXXX preffer it shows a balance of {$3100.00}. The phone numbers, address, everything are non working for this creditor. There is no validation of debt under article 1 and 2. Ive asked experian, XXXX, and XXXX to delete this account but they still keep reporting it. There is no success in getting in touch with the creditor either. The phone number listed is non working and so is the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to IC systems IXXXX, who is a debt collector for XXXX XXXX or XXXX on XX/XX/23. I notified them that they put a collection on my credit for XXXX. They informed me that the account was in someone else 's name that's close to my name but it is not my name. I informed them that their information was inaccurate and I have never had an account with spectrum and they told me to reach out to spectrum. I reached out to spectrum as well on XX/XX/23 and they told me that a family member was using my information. I asked what information and they said they took the first XXXX letters of your name and opened an account but they didn't have any other information. I spoke with a spectrum supervisor on XX/XX/23 and she informed me that the account they're referring to does not have any of my information attached to it ( SSN number, DOB, Full name or Address ). I also reached out to XXXX and filed a dispute and they sent me an email and said they deemed the information to be accurate. I called and asked a representative what information that they linked to me to make it accurate and he said that I needed to reach back out to the creditor who reported the information. It seems that they are all pointing the finger to one another but no-one can prove that an account was opened in my full name using any of my personal information. I feel like I'm being targeted and railroaded just because a company is trying to blame someone because they can't find the real person responsible for this debt. I've spoke to several representatives from IC systems INC since XX/XX/23 and no information that they have given me links this account to me so I don't know how its on my credit. They don't have my real name, email address, DOB, address, they don't have anything but 3 letters of my first name and last name. This is not right and not ethical and against the law!