23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a letters to XXXX certified mail with return signature on XX/XX/XXXX and XX/XX/XXXX requesting that they validate the debt they claim I owe and a cease and desist if they are unable to validate the debt. XXXX has failed to provide : 1. Documents from your company bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from you.

3. The amount of claimed debt, a true bill ; 4. Explain and show me how you calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay what you claim I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove the Statute of Limitations has NOT expired on this account ; 8. Show me that you are licensed to collect in my state ; 9. Provide me with your license numbers and Registered Agent or Agent of service ; 10. If the claimed debt was sold please provide the accounting in accordance with XXXX XXXX XXXX if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. {$1000.00} XXXX now owe me {$1000.00} due to violating my rights.
Product: Debt collection

company keeps calling me from different numbers and harassing me after I have repeatedly told them to stop harassing me. I am getting on average at least a daily phone call from them.
Product: Debt collection

Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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 : Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance is at 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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within XXXX business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX Opened XXXX XX/XX/XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted information to Experian and XXXX  about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX    XXXX  , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to Experian and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from Experian : Discharged through Bankruptcy Chapter   XXXX  . This account is scheduled to continue on record until   XXXX   XXXX  . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  XXXX .
Product: Checking or savings account

This complaint does not exactly match the options given on the previous screens. 

To be clear, I'm filing a complain against SANTANDER BANK but I am NOT a direct customer of theirs. I will put my mailing address in the next screen. 

The issue is I wrote a check on XX/XX/XXXX, # XXXX, for {$46000.00} from my XXXX bankd account to my contractor exactly as he requested : XXXX XXXX XXXX XXXX. The previous 2 checks I wrote to him were exactly the same, and Santander Bank, where he banks, cashed them with no issue. 

XXXX said he's banked there for decades with no issue like this before. 

In XXXX, he called to say his account wasn't credited, that Santander was going to return the check because of the way it was titled, and could I please send another check to cover the amount I owed him. 

I decided to check with my bank, XXXX, to seeif the check had been cashed. It had and the funds were taken out of my bank account on XX/XX/XXXX. The bank advised me not to write another check. 

I called XXXX back, and he checked with Santander and found that they had, in fact, cashed the check and were withholding the funds from him, contrary to what they'd told him initially. 

It took him weeks to find out they were going to send a cashier 's check back to me at the main XXXX XXXX in XXXX PA. 

Monday, XX/XX/XXXX, my friend XXXX and I called XXXX to explain what I'd learned and to call me when the check arrived from Santander because I wanted to be sure it went to the correct account. They were highly concerned because at this point Santander had been holding the funds WITHOUT NOTICE TO ME and very little correct info to XXXX for almost 2 months. 

At the XXXX XXXX XXXX 's suggestion, I called my local branch manager who suggested I have a joint call with me, my friend XXXX who helps me with paperwork, the XXXX branch manager, the Santander bank branch manager XXXX XXXX. 

My friend XXXX called and the bank manager XXXX XXXX called her back shortly and we told him we had him on speaker so I could hear and described why were were calling. He immediately said he would not talk further to us, to our bank manager and " This was XXXX XXXX 's fault. Did he tell you that? '' He proceeded to comment further about he'd kept XXXX XXXX informed the entire time. I said XXXX had to constantly check in with Santander to find out how they were going to get the money back to me, and that the issue was that Sandander was holding MY {$46000.00}, and I had no way to check on MY MONEY! 

As of today, XX/XX/XXXX, I still do not have the money back into my account, and no way to find out exactly how they were sending the money, exactly when they were sending the money, and the form it was going to take. Santander did not provide XXXX with a tracking number or any more information other than it was going to XXXX in XXXX within a few weeks ( as of XX/XX/XXXX ). 

XXXX XXXX will be filing a complaint as well. His email is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX noticed fraudulent loans and accounts were open in my name i was a victim of fraud when i was younger I did not authorize it.. 
FTC Report XXXX : XXXX FTC Report XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See referenced complaint XXXX.I’m really not sure how many times I’ve brought this up, but I feel like this is the 5th or 6th time I’ve had to go to the CFPB never mind other agencies over how unfairly we’ve been treated by this company, and just to simply fix my otherwise clean credit report.Select Portfolio Servicing has twice now suppressed, 30 day late payment reporting from my XXXX and XXXX reports, and now twice has replaced those issues within only a few months.  We have since paid off this loan, and I was forced to address with my credit bureaus why Select Portfolio had failed to report a closed/fully paid off account.  That’s now cleared up, but now XXXX is reporting late payments again on my credit bureau.  XXXX somehow has it stuck in their system that this account was paid late on two dates, after multiple conversations XXXX had agreed to suppress the negative reporting from my credit bureau, but then has replaced that reporting again and again.  When i have called I get excuses as to how one system works or another.  That isn’t my responsibility.  I’ve paid you, I have now paid you off, now please get out of my life for good.The following is what I want:1) Please re-submit the suppression of negative credit reporting from my credit bureau with XXXX and XXXX.2) Get out of my life and never bug me again.Thank you,XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my account with the items in questioned. I believe my situation deserves immediate attention and resolution. 

I have encountered persistent issues regarding the removal of a late close on my account, which is included in a bankruptcy. Despite numerous attempts to rectify this matter through various channels, the issue remains unresolved, causing me significant distress and inconvenience. 

I filed for bankruptcy, and my account with XXXX XXXX was included in the bankruptcy proceedings. As a result, I expected that the late close on my account would be appropriately addressed in accordance with the legal processes outlined during bankruptcy. 

However, despite my best efforts, such as contacting customer service, submitting documentation, etc. ], the late close remains on my account, adversely affecting my financial standing and creditworthiness. 

I understand that mistakes can occur, but the persistence of this issue has prompted me to bring it to your attention formally. I kindly request that you investigate and resolve this matter promptly. I believe in fair and just practices, and I trust that Credit Bureaus will take the necessary steps to rectify this situation in a timely and efficient manner. 

If there are any specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$85.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX Balance : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Product: Credit card or prepaid card

Please see XXXX, reopening. HSBC has not provided explanation on why incorrect 1099-C code was inputted on form. HSBCs response to see previous correspondence from them is insufficient as the code should be A for bankruptcy and they have never provided any explanation on why the incorrect reporting codes were used. This card was cancelled and closed due to a bankruptcy filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX appeared on my Experian Credit Report. I did not authorize or initiate any credit inquiry with them.
Product: Debt collection

Mid Florida financing has called me before XXXX central time zone a number of times forgetting I no longer live in est.
Product: Vehicle loan or lease

E-transfered money from my bank account 7 days prior to due date but not credited to my loan until after due date
Product: Checking or savings account

I recently had an unemployment direct deposit hit my account for over {$10000.00}. On XX/XX/XXXX for the first time since XX/XX/XXXX. The direct deposit cleared with no problem.they let me use my money to pay off bills and now they want proof of paystub and a W-2 for them to release the {$8400.00} balance on my account. It hold them that there was no way I can provide a paystub for unemployment benefits and they insist that provide them documentation for it. I call the state of Massachusetts unemployment and they said everything was fine on their end in which nothing was wrong. Account information was correct. I provided chime with a snapshot of where the funds came from in the account. They also let my next unemployment check hit the account for {$260.00} on XX/XX/XXXX with no problem. Now they are restricting my account and not letting me access my account. I told them that I have been through enough XXXX for the last six months trying to getting to take care of my family. Im running out of time and will lose my home at the end of the month if do not have access to my account to pay these bills at home. I will threaten legal action and call my state representatives to make sure that they are held accountable. Since they are not a legal bank as states on their site they can not withhold my funds without a court order from a government entity. A clear violation of federal law.
Product: Debt collection

the company AMERASSIST AR SOLUTIONS tried to collect a debt that i never owed with then and the day opened was on XX/XX/2021 for a debt that was never owed and must be removed as soon as possible. been the second attend to remove this account with this company that never gave any response on the first attempt.
Product: Credit card or prepaid card

I see multiple XXXX XXXX late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

Kay jewelers say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX XXXX XXXX XXXX is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I was reviewing my consumer file and realized I had inaccurate late payments reporting under my accounts which is causing me financial damage. I was not noticed and this wasnt brought to my attention which is a violation to my consumer rights. In pursuant to USC 15 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. There was not reasonable procedures conducted upon this situations and addition a creditor cant report an open ended consumer plan late for any reason. I would like to resolve this issue and just have the inaccurate information removed or updated on my consumer report LATE PAYMENTS : XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX, 2022 Sincerely, XXXX XXXX
Product: Checking or savings account

We have multiple accounts with Truist/BBT , and one being my sons student account that I am on with him. He over drew the account by XXXX XXXX, yes XXXX cent XXXX cent! I went in to transfer money this morning and notice the {$36.00} nsf fee. I had this problem with them several months ago, the same thing happened and he was credited the {$36.00} fee back then due to this account being a XXXX account. These fees are NOT to be charged now as we corrected the overdraft option at that time. They walked us through how to make sure it never happened again. When this occurred XXXX month ago, we were told how to fix the issue by going into account setting and changing the Overdraft overage by sliding the option over ( see attached photo account ending XXXX ) I am unable to get the fee returned to us today for the XXXX XXXX, and theyre being deceitful In their practice and they will not honor the options we as a customer put in place to keep this from happening. I started off talking with XXXX, the XXXX at the XXXX location in XXXX ( XXXX ) He could not understand why any of this was happening and saw everything I saw. He put in for an escalation to which XXXX ( XXXX ) called me. I asked Both XXXX and XXXX multiple times why set these measures up if they go back on them. XXXX, in client advocacy told me well, sometimes this can happen on some charges coming through. I continue to ask XXXX multiple questions as to their practices of deceit only to get no where, XXXX emotion, XXXX sympathy, just nothing except I was told the call was recorded. I was happy to hear that!. First off, this is a student account and were not suppose to have any charges to begin with, at least thats what we were told upon setting this account up, second we fixed it XXXX months ago to not happen again ( see photo proof ) and third, it is XXXX XXXX!! I have been a customer for XXXX  years, and They do not care becasue they can keep getting away with this behavior. Theyre a huge bank and dont worry over stealing a customer money. This is, in my opinion, stealing my money! I will be leaving this institution and going to my credit union. There are so many lies and deceit with this bank, I wonder how they can continue to harm their customers and get away with it like this. I can not get an explanation from them as to the settings or protection their system is suppose to protect us from. What good does this option with no overdraft protection do if they refuse to abide by their own rules. Its deception and stealing at its worst, and I did mention I would be contacting you. I do want my refund, but I still want this bank to explain how they can keep lying and getting away with these things. I am considering a law suit just because of the nature of this incident. I would like them to more than explain, and feel fines should be imposed on them for this! I would like very much for the cfpb to investigate this wrong doing and please help!