23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary Stress or Headaches i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX   who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 than 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.
Product: Student loan

When I called Navient and inquired about the " Rate Reduction Program, '' supervisor XXXX whose employee code is XXXX, said, " We do not offer rate reduction program. '' When I told him that according to several websites ( NOT affiliated with Navient ) that educate students on how they can pay off their private student loans that Navient DOES offer rate reduction program, he said, " You do not quality for it. '' When I asked him why I do not quality for it, he said, " We do not disclose it. '' When I told him I want to know why I do not quality for it, he said, " We do not have to explain why. '' When I asked him, " What do you mean you do not have to explain why? I want to know why I do not quality for the rate reduction program as I am not able to make my monthly payments due to financial hardship? ", with an attitude, he said, " We do not have to disclose why. It 's at our discretion. ''
Product: Debt collection

On XX/XX/XXXX of this year, I received a letter from Unifin about a 15yr old debt. It included interest and fees more than double what the debt is. 
It also stated that a judgement was brought against me in XXXX  of which I have no knowledge or can't remember. It does not list which court. 

This debt is not on any credit report and is over 15yrs old I contacted the credit report agencies and they don't see it on any reports either.
Product: Checking or savings account

XXXX XXXX dollars was deposited into Pnc bank. The deposit was endorsed pay to the order of Pnc bank without recourse On XX/XX/2020. Pnc accepted the deposit and gave a receipt. The deposit posted to the account ( collected ) ledger balance on XXXX. The balance was not made available. It was showing on ledger but never made available. It was withdrawn out of the account without permission along with an additional {>= $XXXX}. They stole my money without permission. Closed the account and locked me out.
Product: Payday loan, title loan, or personal loan

We obtained a retail installment loan to purchase a water treatment system for our house. That was in 2016. I have copies of the agreement. 

At no time was I advised that there would be a UCC financing lien placed against my property. When I started the sales process I was advised of this issue. 

I then had to pay the loan off completely in order to sell the house and transfer title. I was not in a position to do this and it has made me unable to complete the financing of a property I was attempting to buy. 

I feel this should have been disclosed to me at the time of the agreement. Company is XXXX XXXX XXXX XXXX, sold to XXXX XXXX XXXX then a credit union to service the loan. 
Date : XX/XX/2016 {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car dealership and was unaware that I had 19 hard inquiries on my credit report until the salesman notified me. This was shocking and upsetting to me and I have been trying to resolve this for quite some time. These are the accounts listed below : 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 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, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. This is causing me financial and emotional stress and I believe something must be done regarding this situation. I demand these accounts be deleted immediately or I will file for litigation due to the stress that XXXX  and Equifax has caused me.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union failed to remove XXXX XXXX XXXX XXXX of my credit report. This has caused me to decrease in points.
Product: Debt collection

The original debt was with XXXX  XXXX  a payday loan service online back on XX/XX/2016 then the debt was sold to XXXX  XXXX XXXX XXXX  on XXXX XXXX and had remained unpaid until XXXX XXXX and was removed from my credit report and sold to National Credit Adjusters on XXXX XXXX, who never sent me any kind of letter or anything stating they where the new collection agency .It just showed back up on my credit report sometime in XXXX showing and open balance like this was a fresh new account in return made my credit score drop very very bad and after some research I found out that this company NCA had re-aged the account to make it look as if it was a recent account that just went into default and its not the account is over 4 years old and  they are showing missed payments on my credit report and I have never received so much as a letter from this company even saying who they are.they have re aged this old account.Although I disputed this account it seems to be going nowhere.
Product: Credit reporting or other personal consumer reports

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXX XXXX, specifically the account titled XXXX, Account # XXXX. This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security number and DOB. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.

Please also ensure that any and all attachments are forwarded to the furnisher :
Product: Debt collection

A soft credit report was done by XXXX XXXX Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from XXXX XXXX XXXX. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted XXXX XXXX XXXX and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX  soft credit pull they did I notified XXXX XXXX Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking XXXX XXXX XXXX to validate a debt they did not respond in 30 days. I eventually found the original letter from XXXX luckily I disputed within 30 days and have my rights per FDCPA. XXXX did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! XXXX is working with another company, Security Credit Services. Security never contacted me after I asked XXXX to validate within 30 days. Neither company validated or contacted me per FDCPA. Security Credit Services has put derogatory marks on all three of my credit reports even after and XXXX failed to validate. After Security hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with XXXX before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent XXXX XXXX XXXX and Security Credit Services. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.
Product: Checking or savings account

Wells Fargo is currently one of the larger banks that are still charging over draft fees. I have tried to get assistance in the past and they help out with a portion of the fee. They don't assist if you have needed assistance before. For the month of XXXX I have received 9 Overdraft fees. They charge {$35.00} per over draft. Some of the charges were less than {$35.00}. On XX/XX/XXXX, they charged me 3 overdraft fees for the same restaurant. The restaurant was supposed to run it as one ticket. But prior to going to the restaurant the money was there. When Wells Fargo decides to pay merchants they do an algorithm that seems unfair. I am just concerned that I have been a customer with them for over 19 years and they can't do anything to assist. When my paycheck deposits to the bank account on XX/XX/XXXX. I will literally have no funds. Since I have {$310.00} worth of overdrafts. This will make it harder for in the upcoming weeks trying to provide for my family waiting on another 2 weeks to be paid. I don't want to cut off the overdraft protection because I need it. But there has got to be something that can be done about banks that still charging the overdraft fee. Maybe not making it {$35.00} or limiting the amount of overdraft fees you can get in one day. I am begging at this point to get some help with these fees. I didn't want to lodge this complaint but I don't know what else to do. I am getting no where when calling in Wells Fargo. They have been great to me as far as customer service. But I really need some help. Please help with these overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection/debt appeared on my Experian Credit report,   XXXX   XXXX   ** XXXX ** it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Product: Debt collection

In late XXXX I purchased two appliances from my local XXXX store, where I'd shopped for decades, using my Sears credit card. I was informed that I'd be getting a new card .... and that delivery of the produce would be delayed until mid-XXXX. Items were installed by the third week of XXXX, and I began to get phone calls from " Shop Your Way '' XXXX, which I ignored, assuming it was a solicitation. I picked up today and learned that I was overdue for a payment in late XXXX,, and that this card was the " new '' card from Sears, never identified as Sears. I said I hadn't received a bill ; they said they mailed it. I said then please email me the bill ; no, I can not do that, I was told. I said, well, I can not send you my bank account info without seeing the bill, and that I protested the {$29.00} late fee they said I owed. I also said I had never heard of a card that began billing me before I had even gotten the appliances, plus I hadn't received the bill they claimed to have mailed. They didn't offer a way for me to set up an online account and pay them. They just wanted my bank account info. I said I would phone them back after I'd talked to my husband. At the end of the phone call, they asked for my email address and said they'd be sending me promotional material, which I don't want -- and after I hung up, I thought, WAIT. They've got my email address. Why can't they email me a statement? With contract information, which I have yet to even see. I went with Sears because I trusted them, but now I know I'm dealing with CitiBank, who apparently wants money back as soon as they lend it. And I just don't believe they are UNABLE to send me an email bill. That's ridiculous. Never again!
Product: Debt collection

Insufficient evidence.. Refusal to provide requested documents like.. The ORIGINAL SIGNED CONTRACT between I and the original creditor.. The ORIGINAL SIGNED sale agreement from the original creditor giving the TERMS of the sale and the consideration paid to the original creditor .... Don't bother wasting paper sending me them same documents if you guys don't have The ORIGINAL SIGNED CONTRACTS... Those letters you guys send don't mean nothing without the The ORIGINAL SIGNED CONTRACTS ... Show me them receipts.
Product: Credit reporting or other personal consumer reports

I recently challenged a bankruptcy on my credit report and the bureau claimed they investigated the bankruptcy and said it was verified. Its my understanding that the bureau suppose to report complete and accurate information. If they truly investigated Then why are all XXXX XXXX bureaus are reporting different things XXXX is not reporting a bankruptcy at all, Experian is saying I petition for Bankruptcy and XXXX is say the bankruptcy has been discharge also the courts name dont match and other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has reported incorrectly on my credit report which is presently being reported negatively on my XXXX Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.
Product: Checking or savings account

I have maintained several checking and savings accounts at U.S. Bank for roughly a decade. I initiated my relationship with a U.S. Bank XXXX XXXX XXXX that included a U.S. Bank XXXX Visa Card that provided a fee waiver to my checking accounts. In other words, as long as my accounts were in good standing, I was not charged a monthly maintenance fee for my accounts. 

On or about XX/XX/2020, I received a letter dated XX/XX/2020 from U.S. Bank advising that since I haven't used my credit card in some time, that the XXXX Visa Card issued to me was being closed. Two days later, I received a letter dated XX/XX/2020 from U.S. Bank advising that since my credit card was closed, that I no longer qualified for a fee waiver on my checking accounts and that I would commence being charged {$14.00} per month on my personal checking account. 

I have perfect credit ( FICO score XXXX XXXX, pay all of bills timely, and do not have any bankruptcies or evictions on my credit report. I am upset that U.S. Bank has implemented a chain of events that have harmed my credit score ( cancelling a long standing credit card account in good standing ) and have removed the fee waiver on my checking account as a result of cancelling my credit card account. I would understand U.S. Banks decision if my credit or earnings capacity was such that it put them at risk during the current coronavirus. In this case however, it is exactly the opposite. I am, and have been a excellent customer, maintain thousands of dollars in my account balances, have excellent credit, and am gainfully employed throughout the coronavirus pandemic.
Product: Credit reporting

I have now submitted XXXX cases against Transunion through CFPB portal for permitting unverifable information to continue to be reported on my credit report by a company named XXXX XXXX XXXX. The CRA has a duty to have verified this information as being valid PRIOR to placing it on my report! They did not! Under the FCRA Section 609, I have a legal right to PHYSICAL, verifiable information with absolute, 100 % proof I am liable for this companies ' alleged debt being owed to them! Transunion NEVER sent any verifiable information from the 1st complaint, nor have they done that in the most recent complaint. How is this following the FCRA guidelines? THEY MUST DELETE THE XXXX ENTRY AS A MATTER OF LAW, because they have never sent me any proof under Section 609 of the FCRA. As it stands, Transunion is being Willfully Noncomplaint, which is against the law.
Product: Credit reporting or other personal consumer reports

I did a soft pull with XXXX XXXX XXXX on XX/XX/24 -- and it stated clearly on their website this would ONLY be a soft pull. I immediately got a notification from EXPERIAN that my credit file had a hard inquiry upon it. XXXX failed to send me an email afterwards with ANY information as to what they had done. 

I will be following up when they open with XXXX XXXX - XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello Santander, I opened my checking account at XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX 
With the banker XXXX XXXX, at the moment of the account oppening I gave all my personal details, address, phone number, email, and other information. 
Since then my phone was erased or never was assigned to my profile so I cant receive OTP codes, and also doesnt allow me to add the phone number written in the account oppening documents and signed by me. 
I called the branch and requested to speak with the banker, but they told me that XXXX dont work anymore at Santander , and at the branch cant help me doing " maitenance '' to the account, I told him that is not maitenance is just add my phone numebr the same taht was given at the moment of account oppening, so I was requested to go to the branch. 
Im not US citizens, I dont live in the US , I just travel very often there and next travel is going to be next wear to California ( there are no branches there ) This is a fault of the banker, so please check the opening documents and add the phone number written on the paper and signed by me. 
Thanks