23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pollack and Rosen P.A. on XX/XX/XXXX claim to have mailed an Affidavit of Amount Due to me which included a claim of default of payment. This AOD never arrived at my address and a Final Judgement for Payment and Fact Information sheet was ordered in favor of Pollack and Rosen P.A.. I was shocked when I received this Final Judgment and FIS on XX/XX/XXXX. Pollack and Rosen P.A. has been notified several times by me from XX/XX/XXXX- XX/XX/XXXX that they made mistakes and asked to correct the mistake, and amount with the courts, or send me the date of the allegid default. I was not in default and the amount Pollack and Rosen is asking for is more than I owe. I make/made my payments No default exhists, that the A.O.D. never arrived to my address and was never scheduled for delivery. I was unaware of this new court action. Pollack and Rosen P.A. has not responded to any communication from me, and because of no response I was Forced under stress and duress to Pay {$440.00} within 45 days or return the Fact Information sheet which required I provide under oath the social security numbers and birth dates of myself and spouse, the names and address of my children, ALL finacial accounts including spouses ( who never had a connection to the credit card ). with account numbers, auto titles, property deeds, names and addresses of anyone I sold items to of {$100.00}. or more and names and addresses of anyone who owed money to me. This FIS is extream asking for public and non public private information and on an amount under {$500.00} and in my personal oppinion an invasion of privacy and questionable what is done with this information since the information would have no gurantee of protection. At the moment defamation of my charcter and unfair dept collection practices seem reasonable. Pollack and Rosen P.A. intent in my eyes since they have been advised several times of the mistake and asked to correct their mistake seems clear to me. The intent is not a mistake and appears to me to unfairly collect money or personal non public very detailed financial information by way of missing mail, order of FIS return or pay Final Judgement, and breech of court agreement ( Order Directing Payments XX/XX/XXXX ) by forcing me to pay all now instead of the court ordered monthly payment and asking for more than I owe. I paid what was owed. Personallyl I would like the {$440.00} returned to me and I resume the court ordered payments as Described in the Order Directing Payments XX/XX/XXXX and the court records corrected to show no default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints and have even gotten the dealership involved at this point. I have read multiple complaints via the XXXX  and I know I'm not the only person XXXX  has taken advantage of recently. One credit agency has seen through XXXX faulty claims and has corrected my cr

edit file. The other two need to as well or I have no problem getting my lawyer involved. I have previously included multiple documents. I am including what is new at this point. I ended my lease early because the dealership wanted my car back. The dealership agreed to pay the amount left on the lease. They didnt do so in a timely manner. Payment was due in XX/XX/2020, the dealership didn't pay it until XX/XX/2020. They DID pay it after numerous attempts on my part. My credit should not have taken such a terrible hit due to their late payment. XXXX has been sent a letter from the dealership themselves stating that this was in NO way, shape or form my responsibility or my fault. I no longer had the car and had signed over everything to the dealership in XXXX. I am including a document that states the dealership was supposed to pay in full what was owed as well as a letter from the dealership stating that it was entirely their fault. 
XXXX also falsely claimed they weren't sending late payments to credit agencies during this Covid 19 pandemic. So even if this were my fault, they have fully taken advantage of covid 19 to hurt a lot of peoples  credit. It is a terrible business decision on their part and one that will result in numerous lawsuits.
Product: Debt collection

I recently noticed a collection on my credit report for XXXX, XXXX, and TransUnion, but i am not familiar with this debt. I sent out letters on XX/XX/XXXX and XX/XX/XXXX asking for verifiable proof that this debt belonged to me. I asked for hard evidence that goes all the way back to the original creditor, and not verification from a third-party database. I just received notifications that the dispute was finished and the debt collector " XXXX XXXX '' was going to stay on my report, but i never received anything in the mail showing this debt belongs to me. This debt needs to be removed from my credit report according to the FCRA law.
Product: Checking or savings account

I have had continuous problems with transactions being processed and payments not going through unless the charge is fraudulent. I have tried challenging the fraudulent charges but they are still pending and according to my bank they can not stop payment. I have also had continuous problems with only some of my transactions showing in my transaction history, both on my account and, according to my bank, their system. This has caused me to have to pay late fees and/or return payment fees. Kikoff refuses to investigate as to why these transctions are not showing. 

This leads to the reason for this complaint. On XX/XX/year> I paid {$30.00} to XXXX to pay for my internet. This payment shows on my XXXX account but not on my bank transaction history nor, according to my bank, in their system. ( Attached is proof of transaction ) On XX/XX/year> I was charged a return payment fee for this transaction due to, according to XXXX, was refused by my bank even though I had enough money to cover the transaction. To this day my bank swears that this transaction never happend and has repeatedly refused to submit a ticket for investigation even though I have been promised 4 times they would. This reusal to pay a bill has cost me a {$30.00} return payment fee which I paid on XX/XX/year>. 

On XX/XX/year> I made my first payment for {$120.00} to my loan provider and, just like as the issue above, there is nothing showing this transaction in my history nor my bank 's system according to my bank. Again, they have refused to investigate. In 8 days I will be late on my loan which will damage my credit and standing with my loan provider and cost me a late fee of unknown amount. 

On XX/XX/year> I was charged by XXXX for services that was canceled weeks ago. Another fraudulent charge was made to my account the following day by XXXX XXXX  for XXXX. I challenged both transactions but I was told that I would have to wait for them to be processed because they do not do stop payments. Both companies refuse a refund. 

I have overdraft protection which allows me to overdraft my account up to {$170.00}. On XX/XX/year> and again on the XXXX I received an email from my loan provider that my payment could not be processed due to insufficient funds. I had {$68.00} in my account so there is no reason for denial. Kikoff claims this does not show on their end and it does not show in my history, Kikoff claims denied transactions will show but it does not. 

The XXXX transactions, XXXX and XXXX, went through after the denial of my loan payment causing a negative balance. Kikoff claims that the reason for my loan payment being denied was that I reached the weekly overdraft limit, yet the XXXX fraudulent charges were made AFTER my laon payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, recently in light of the recent cfpb lawsuit, highlighting significant issues with the platform. despite using Zelle numerous times im reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds impossible and tracking these transactions was unfeasible. The cfpds findings have indicate that Zelle not only has failed to protect consumers but I have also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX  XXXX XXXX acct # { XXXX } dated XX/XX/2020 has listed negative information on my file i have no knowledge of these accounts please remove asap thanks, ( XXXX  XXXX XXXX acct # XXXX XX/XX/2020 ( 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 i don't have no knowledge, of these accounts I am therefore writing to request full REMOVAL of this information as is my right underneath the Fair Credit Reporting Act. 

I request that these { negative listings } be permanently removed from my report. 

For your records, my contact information is as follows : { XXXX XXXX } - { XXXX XXXX XXXX XXXX # XXXX } { XXXX  fl XXXX }
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Dear Prestige, I am writing to formally complain about your company 's handling of an account that does not belong to me. Despite multiple attempts to resolve this issue through various communications, the disputed account remains on my record without proper action taken by your company. The account in question, does not belong to me and is inaccurately attributed to my name. I have contacted your office on XX/XX/year> & XX/XX/year> and provided all necessary information to support my claim. Despite my efforts, the account has neither been removed nor appropriately marked as disputed/investigated, as required by the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that debt collectors must investigate and validate disputed debts and mark such debts as disputed while the investigation is ongoing. XXXX XXXX ' failure to do so not only violates the FDCPA but also causes undue stress and potential harm to my credit report and overall financial well-being. If this issue is not resolved immediately, I will be compelled to escalate this matter to litigation and seek compensation for any damages incurred.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX and XXXX credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Product: Checking or savings account

I login in and see my account is frozen and that I need to call account activations. I already had an active account. I had very little i the account and when i received interest I tried to withdraw that amount to a verified external account at customers bank. I had 3 accounts at customers bank. The account I had saved was closed by the bank because they have newer better online accounts. Simple easy mistake. The {$50.00} was returned to my account. I believe this is the reason frozen. Etrade does not send any formal letters telling me account is frozen and why. I ask for their policies and they do not provide that as well. I was told that only a 3 way call was needed to verify my bank accounts. Not sure why but this step has never been completed. When I call again and again and after long hold times Im told a different answer each day. I need to provide my license and social security card. I am not send my security card anywhere. It hasnt moved from its safe in over 20 years. Them im told i need to write a letter? Stating what i do not know. Them im told just a copy of my license. Which I have sent 4 times and a fifth after this complaint. Im told its illegible. What does that even mean? I never get any follow calls emails nothing. I feel like this company is using illegal practices and trying to aquire my funds. I have never bounced a check but its like bouncing a check or maybe not even because the money was returned to my account from a transaction that i made not a stranger. Im not sure why account is frozen but there should aslo be a deadline for banks. Have them send a check to me the owner on file and ill be done with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 MAJOR CREDIT REPORTING AGENCIES ( EQUIFAX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

National Enterprise Systems , Inc. states that I owe {$510.00} to them from a debt that was assigned to them by XXXX XXXX XXXX. I've sent a debt validation, a Affidavit of Truth which was notarized, and Exhibit as proof in which they violated consumer laws which was notarized, a cease and desist letter with an attached invoice for payment to me since the fair debt collection practice act laws were breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My n ame is XXXX XXXX, and you all have received the complaints that I had from all XXXX credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.
Product: Checking or savings account

I have been locked out my account I have been calling this bank for days about my funds in my account customer service has been terrible they have been directing back and fourth between departments I dont know what else to do please can you help me
Product: Credit reporting, credit repair services, or other personal consumer reports

During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. Vanderbilt company representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted Vanderbilt Mortgage and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through Vanderbilt Mortgage ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX Male they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
Product: Credit card

I closed an account at Chase bank around 6 months ago and today the sent me an email that my new card with a {$16000.00} limit was in the mail, my previous one was {$500.00}. They had already attached the account to my online banking account.
Product: Student loan

I have been making payments on my loans since XXXX. I started on a rate reduction plan and in XXXX I went off the rate reduction plan and paid the full amount of my loan due with normal terms. My payment was just under $ XXXX. The year of XXXX my payment went from XXXX to XXXX because my loans have variable interest. In XX/XX/XXXX I called to get on a different repayment plan. I explained I am a XXXX XXXX XXXX XXXX XXXX I do not receive child support or aide of any kind. I can not afford any more than a {$650.00} payment as I already am living paycheck to paycheck. I was then placed on an interest only payment plan that I set up reoccurring payments of XXXX to pull from my bank every month. Unfortunately, this interest only plan did not lock in my interest rate at the time. I found out recently that that has since changed right after that plan was set up. Interest only plans now lock in the interest rates. By XXXX my interest rates continued to go up and my payment was back over $ XXXX. The reoccurring payments that were set up now did not cover what was due and I honestly could not afford it. I received a phone call from Navient in XXXX looking to collect the short amount on my account. I explained my situation and express I could not afford to pay any more a month and asked about any other possible programs. He told me I was not eligible for any other programs because I was enrolled in the interest only XXXX and had to wait out the 6 months in that program. I received another phone call looking to bring my account current right before XXXX. I again explained my hardship and willingness to make payments, but needed a more reasonable payment. He told me he could get me cancelled out of my current program and after the holiday we would discuss and go over what was available for me. XX/XX/XXXX we resumed our conversation about a different repayment plan. He told me I was only eligible for an interest only plan and it would now be over $ XXXX. I explained I could not afford that much. He then tried to run numbers for a rate reduction plan. He collected my financial profile for the month ( I live pay check to paycheck, things are very tight ). He spoke to his supervisor and said there was nothing else they could do. I am willing to make payments and have been consistently making payments to Navient for years. After years of payment, I have not even started to make a dent in the amount I owe them and they continue to raise my interest rates and my monthly payment to unrealistic amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I WROTE THE CREDIT REPORTING AGENCY, ADVISING THERE WERE UNUATHORIZED AND UNVERIFIED INQUIRIIES AND ACCORDING TO THE FCRA ( FAIR CREDIT REPORTING ACT ), THESE INQUIRES MUST BE REMOVED. THE CREDIT REPORTING ANGENCY HAS NOT REMOVED THESE INQUIRIES.