23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Portfolio Recovery is calling me frequently on robo calls from different phone numbers. Everytime I block their number they call from a different number. They are harrassing me. They have called from : XXXX-XXXX-XXXX  XX/XX/XXXX atXXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX- XXXX  XX/XX/XXXX at XXXX XXXX while I was sleeping.

XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX- XXXX-XXXX  XX/XX/XXXX at XXXX XXXX XXXX-XXXX-XXXX  XX/XX/XXXX at XXXXXXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX It goes on and on but i feel this is enough to show i am tired of being harrassed by portfolio recovery!
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Credit reporting, credit repair services, or other personal consumer reports

Why won't you remove these items? 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to remove. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

I was denied Employment due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Inquires 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: Checking or savings account

I have been a costumer of Truist Bank since XXXX, as a Sun Trust customer prior to their acquisition. Since that time I have had a direct deposit from my employer every XXXX weeks. I have also paid XXXX or more credit cards manually from this accout every XXXX weeks. On XX/XX/XXXX I made payments from my Truist account to XXXX credit cards. Several days later I find that payment was denied because my account was closed. I was then charged {$29.00} for returned payment from XXXX XXXX. I called Truist and was told my account was inactivated because I did not initiate the correct type of financial transaction over the last XXXX  days. They said no policy was changed. If this is the case why was my account not inactivated before? Why was I not notified in advance? No disclosures indicating this were ever supplied to me. I asked the supervisor to be made whole by crediting me the {$29.00}. She said no.
Product: Student loan

On Friday, XX/XX/XXXX, I contacted Great Lakes after receiving news of XXXX 's Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but they weren't even sure when the refunds will be reflected on my account. I meet the income requirement so I am eligible for $ XXXX forgiveness. Throughout the pandemic I paid around $ XXXX in payments. 

What's worrying me is that the application for forgiveness starts soon and Great Lakes won't be processing any of these in time for me to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed. Them not even knowing their own time frame of when I can see my refund back into my account concerns me that I will not get forgiveness for the amount I paid during the pandemic. 

Great Lakes can not send out confirmation emails or anything to prove that they indeed did send in our request. Seeing other people 's loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that Great Lakes does not have our best interests at heart.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/2022, I attempted to skip a payment and have it applied on the back of the loan. The only option I was given was told pay part of the loan in addition to the regular loan payment 2 weeks from the due date which would set me back further. I was told that since I am almost done paying the loan the are not willing to extend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them To settled to pay a lower amount with the collection agency & they agreed to remove & mark my account paid in full. They lied its still shown on my credit reports in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have been disputing inquiries that are fraudulent on my XXXX and Transunion credit report that they fail to open investigations on and notify me of the dispute status and the results. This is my last CFPB follow up before I attempt to litigate these accounts and sue in Federal Court for the wrongdoings of these credit bureaus they believe that they are above the law! and can have no regard for my consumer rights! These inquiries must be removed from my XXXX credit report XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have failed to answer how they verified the accuracy of these inquiries as I never had any dealings with these companies regarding credit transactions. So this is my last dispute with the CFPB before I have to escalate matters.
Product: Debt collection

My identity was stolen, and a account with XXXX was opened without my knowledge. in result a collection was placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

My mortgage to loan ratio is at 75 % and my lender is refusing to remove PMI from my mortgage. Everything I have read states it has to automatically be removed once the loan reaches 78 %. I received a letter back from them stating my mortgage is at 80 % and qualifies to have PMI removed but I have to get a BPO first and to do that I need to send them a check for {$150.00}. Not only should I not be sending them a check, they should be crediting my account back {$400.00} for the PMI I have paid since my mortgage reached 78 % back in XXXX 2020. 

I called in and explained this to them and they still insisted I need to pay for a BPO. Again, everywhere I am reading says the lender is required to remove PMI once the loan reaches 78 % and it is required to be free of charge.
Product: Checking or savings account

I had a business transaction with a company called XXXX XXXX to sell them some household items. They deposited {$4500.00} into my account on XX/XX/XXXX, sent a copy of the transaction, and Bank of America reflected the amount in my bank account. 

The supposed representatives of XXXX XXXX in Texas claimed an accounting error and requested a refund of the deposited money amounting to {$3300.00} to be deposited through Bank of America. The money was returned to them on XX/XX/XXXX via a XXXX transfer that Bank of America authorized because the amount still continuing in my bank account. 

On XX/XX/XXXX, the supposed company mistakenly deposited another sum of {$4500.00} again, but this time the Bank of America stopped the transaction because it was a check and email me to explain the situation. 

The company stopped communicating after explain the BOFA hold the second check, and the money continued to be deposited into my account until XX/XX/XXXX, when Bank of America withdrew the funds because they could not find the account. 

This situation has been very complicated because Bank of America claimed to have credited my bank account, leading me to believe that the transaction had been approved. 

If the bank knew it was a check, why didn't they hold the first check like they did with the second one? 

These kinds of gaps make small contributors victims of criminal networks of scammers who impersonate identities. 

Bank of America claims the victim 's problem is that they never led me to believe the transaction had been approved, but the money was in my account for almost six calendar days. 

Bank of America has all the possibilities to hold a check until it verifies that it has funds and not reflect them without certainty. 

Now I have suffered significant financial damages. I am a small contributor, and that money was all I had to cover my personal expenses. 

I hope that justice is served and that Bank of America acknowledges its mistake and refund my money lose, reports the BOFA accounts of scammers it harbors in its bank, and halts its users on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters by certified mail, return receipt to Equifax disputing 4 items being reported incorrectly on my credit report. The first letter was dated XXXX XXXX, XXXX, return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Equifax received and accepted my letter through registered mail dated XXXX XXXX, XXXX. To date I have not received a response. A second letter sent dated XXXX XXXX, XXXX, return receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB and was received and accepted by Equifax dated XXXX XXXX, XXXX. To date I have not received a response.
Product: Debt collection

Genesis FS card services has called me twice today. Both times I refuse to speak with them because I recently became a victim of identity theft and the company who is calling me does not match the name of the card I have and they wont say what card they are calling in regards to until after they confirm the person they are speaking with or the person states their name and verifies who they are looking for with what should be sensitive/secured data, when introducing themselves AND they keep calling from masked numbers. 

I have a Florida cell phone number but I live in XXXX XXXX Alaska, genesis fs card service is masking their calls with a XXXX area code ( Alaska ) and keep calling from different numbers even though they do not have any offices or head quarters in Alaska. I only answer local ( to my location ) numbers because of my children or the police because everyone else who is an Alaskan number can be saved in my contacts due to having one phone number they call from other than toll free numbers listed for customers to call. 

They also seem to only have people of XXXX or XXXX XXXX  XXXX decent calling customers. And I dont know if they are in some boiler room in XXXX or if its really even my actual creditor calling being that they are using deceptive debt collection practices by masking their numbers and calling multiple times in one day, every day.
Product: Debt collection

I am constantly being harassed from a company that I have no relations with at all. I am not getting any of the information requested and I have been facing a massive hardship with this item continuously showing on my report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a request with Equifax for an extended credit freeze due to being a victim of fraud and/or identify theft. Equifax processed and granted the request for an extended credit freeze. It is my understanding the other XXXX credit bureaus would be contacted and put into place an extended freeze. Upon reviewing my file, XXXX and XXXX have not put into place an extended credit freeze. 

I did my part and the system did not work as expected- Please help me ensure the other XXXX credit bureaus do their part under the law / regulation and place an extended credit freeze under all bureaus.
Product: Checking or savings account

I have had numerous fraud on my debit cards and finally spoke with a manager me and the manager together set up a new checking account personally she sent me the email I press the link and we went through it together then we transferred my funds from my old account that was being fraudulent to my new account all of a sudden Monday morning I wake up in my account is closed from my checkings the new one and my savings account while I have my money in there I call no one knows what's going on then finally I get to somebody and they tell me that my account has been closed I asked them why and they said they do not have to give me a reason it's part of their policy they can close an account at any time then they told me I could pick up any money that was in my account left over as long as I had a debit card or my ID I went to the bank show them ID was getting ready to receive my funds then they told me someone made a note saying can only deposit not receive no one can help me fix this and I've been a customer since XXXX  with Bank of America I have no reason and there is no reason for my accounts to be shut down for I have followed all procedures I just feel that they do not want to pay out what day would owe me when they find out they're investigation that I filed on my claims are to be true so they close my account but that's my assumption but it's not fair to not let me pull my money out I need this money urgent
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have all failed to update my XXXX XXXX XXXX XXXXXXXX XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.
Product: Debt collection

Was never aware the company gave my information out to another company which is against the law. Also amount stated thats owed is incorrect I have a letter to prove this information to be incorrect, also have recorded conversations from the company XXXX  with me agreeing to pay them the amount owed which I held up my end of the deal and made payments.
Product: Student loan

Balances out of control, high interest rates, no end in sight to payoff
Product: Credit reporting

This is my last and final demand before I proceed to sue Transunion. They gave me a partial response and told me to give them 60 days to complete their investigation. By law they have to block a fraudulent account if I have provided a police report which I have. I should not have to wait 60 days for them to block the accounts that are fraud. I am a victim of Idenity theft. I have sent letters faxes and online disputes attached were my drivers licesnse utility bills police reports and theft affidatives. They have all this information and still will not block accounts. I made a complaint with Cfpb and transunion lied and stated they have not received anything however the agents claim they have my police report. I am so upset that after waiting 30 days for their investigation to 15 days from my complaint to a whole another 60 days is not right and I am being unfairly treated. I have called Every day since XXXX XXXX trying to get this resolved. I am almost sure they have it in their notes. I have the certified receipt that they received police reports and faxes confirming it went through. So I am asking transunion to block these accounts XXXX, XXXX, XXXX, and XXXX the judgement is also fraud. They are giving me the runaround and prolonging the issue which has caused our family a great deal of emotional distress since they are reporting this fraudulent information on my report its embarrassing. Its wrong how they are treating me. I ca n't help my idenrity was stolen. So for the 13th time i will load my police report so that transunion can block the accounts next I am contacting the BBB and then my local news station as well as the attorney general.
Product: Student loan

Since XX/XX/XXXX, I reached out to the My Fed Loan program to find out what the latest information is on my Public Service Loan Forgiveness Program number of payments made to date. I reached out to My Fed Loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I uploaded new documents as they requested to show the Government Employer information. From XX/XX/XXXX to XX/XX/XXXX, I worked for the same employer, the City and County of XXXX XXXX, with the same FED EIN. My Fed Loan has processed 60 of the payments with the last update in XX/XX/XXXX, but I am seeking an update for the years XXXX and XXXX. As My Fed Loan requested, I submitted my W-2 's for XXXX and XXXX to show that I worked for the City and County of XXXX XXXX. I checked off the box that for this most recent period of XXXX and XXXX, I was unable to have the employer sign for the period XX/XX/XXXX to XX/XX/XXXX, but I was told that W-2s for XXXX and XXXX would be acceptable proof. Given how difficult it is to complete the Public Service Loan Forgiveness Program, I would like assistance from the CFPB please for streamlining this process and providing me with a current update on my status in the program. Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. SIMM Associates, INC is trying to collect a debt on their behalf.
Product: Mortgage

Mortgage assistance application is in review with XXXX  Mortgage. Received foreclosure letter for XX/XX/year>. Spoke with XXXX customer service XX/XX/year> they informed me they are working on my application for mortgage assistance and did not see a XXXX  XXXX  date for my home. Process mortgage assistance application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an collection account on my XXXX  credit report under Amsher Collection Services that I have been disputing this account is not mine and I have been requesting written confirmation they keep adding this account to my credit. I need proof that this is my account. 

Thanks