23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019 I received overdraft letters and a debit card from Santander N.A about 2 checking accounts. I did not open these accounts. Once I called the accounts are attached to my social security number, but the bank would give me no information. They allowed someone to create an account in my name, but will not close them due to the fact they can't verify my identity.
Product: Debt collection

The collection agency XXXX XXXX XXXX has engaged in false, deceptive, and harassing reporting to credit bureau ( XXXX ) in attempts to collect a debt owed to Spectrum. The first incident took place XX/XX/XXXX I paid the {$740.00} and never received a receipt for balance paid. The collection was removed from my report. So I thought nothing of it. I was told it was for equipment not returned and a prior bill from my last residence. If I didn't pay I would lose access to my service. Although XXXX allowed me to use the same equipment at my then current home. On or about XX/XX/XXXX XXXX XXXX XXXX reported a collection to my report. I disputed this and the collection was removed. However, recently XXXX XXXX XXXX once again reported a collection to my report. Even using the same reasoning as before in XX/XX/XXXX. I contacted Spectrum who told me I didn't owe money in XX/XX/XXXX neither did I owe money now and if my account was in collections they wouldn't be able to service me at my now current residence. Through my own personal research I found that I am not the only person this company has done this to. This is a scam. That has affected my credit report and score a great deal.
Product: Debt collection

I rented an apartment with my roommate in XX/XX/XXXX -XX/XX/XXXX and was kicked out by him, he still remained in the apartment and I let management know i was kicked out and returned my keys, was told I did n't have to pay and now the negative account is in the way of getting an apartment. They no longer have me in the system due to new management, I would like to clear it so I can move in as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXXXXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXX auto was reporting as late or behind multiple month payments. The result was a continuous reporting to the XXXX credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the XXXX credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in XXXX month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.
Product: Credit reporting

Equifax has and continue to report fraudulent accounts. They have not validate any account to me.
Product: Debt collection

After noticing the debt on my credit report, and noticing my credit report also states I have made a payment to Convergent and I have NOT, I sent a letter to XXXX XXXX ( here on out referred to as XXXX ) via XXXX requesting debt validation. 

A request was made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As stated in the law, XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter, or phone call from XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report, and more than 1 month since I requested validation.
Product: Mortgage

We have a Construction to Permanent loan with Sandy Spring Bank. Mortgage Number XXXX. The loan is broken up into check draws to pay XXXX XXXX XXXX who is doing the renovation on our primary residence. The first payment cleared his bank successfully. The second payment for just over $ XXXX has had XXXX unsuccessful attempts cancelled due to an error at Sandy Spring Bank. I have no confidence this will be rectified in time to satisfy my Contractors required payments for his subcontractors. Your help with this matter is appreciated.
Product: Payday loan, title loan, or personal loan

An account was opened fraudulently in my name with this company. I called twice before getting to speak with XXXX from the XXXX XXXX XXXX and explained to her that I was not the person that took out the loan. I then went to the office and asked for a copy of any documentation that was used and that I would sign an document stating that I swear to not opening the loan. She then told me that they could not find the check or any documentation and the loan would be absolved. I think continued to request a copy of the paperwork and after more than 30 days, I have not received any documentation and the account has been added to my credit report. I have disputed the account and send formal written letters to the company headquarters and still no paperwork has been sent and they verified the account with XXXX XXXX stating that the account was valid. I have not been able to reach anyone to get any information and XXXX XXXX will not dispute the account again until after a wait period.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX AUTO XXXX, XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My wife and I opened a Fifth Third XXXX XXXX account on XXXX for {$200000.00}. We were told the process would take 3 - 4 business days. By XXXX XXXX we still had no access to our funds and 2 letters arrived from Fifth Third informed us that our account was on temporary hold. Reason for hold on deposit : Confidential information that check XXXX not be paid. Date funds available for withdrawal : XX/XX/XXXX. 
XXXX XX/XX/XXXX we visited the XXXX XXXX branch. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX said she would see about getting the temporary hold pulled by Monday ( XXXX XX/XX/XXXX ). We did candidly express our concerns over The Consumer Financial Protection Bureau filing a lawsuit in federal district court in the XXXX XXXX XXXX XXXX against Fifth Third Bank , National Association ( Fifth Third ) ( RE : XX/XX/XXXX ). 
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX : XXXX charged in conspiracy to steal account information, money from bank customers. 
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX Defendants sentenced for roles in conspiracy to steal account information, money from bank customers. 
With this unusual temporary hold that was never disclosed upon opening the account on XXXX XX/XX/XXXX we felt that the CFPB should be advised. 
Fifth Thirds XXXX XXXX did assure us that we would still be accruing interest from the account opening date XXXX XX/XX/XXXX. However, in the meantime Fifth Third, XXXX, Ohio has put a hold on {$200000.00} of our funds until XXXX XX/XX/XXXX ( 11 days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed three collection accounts with XXXX. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by XXXX. I do not believe XXXX is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. WYNDHAM VACATION OWN Ran my report twice without my permission. Once we informed them we did not want to move forward with the timeshare they still ran it without my permission. I did not notice this until I received the email from credit karma they had done this. I called the number on information given and no one could help me with this matter. XXXX XXXX suggested to file a dispute.
Product: Debt collection

On XXXX XXXX I checked my credit report and noticed that National Credit System was reporting a debt for {$7900.00}. I look there information on XXXX and retrieved an email address. I emailed the company notifying them that this debt does not belong to me and to provide any information regarding this debt. They have not provided any information so far. Please have company remove debt from my credit file asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

Good day, I bought a netspend prepaid card from XXXX, worth {$200.00}, on XX/XX/XXXX, prior to buying the card I made sure it was passport user friendly, once I loaded the card it demanded for a social security number, I decided to contact netspend for assistance. They asked for my documents such as Id billing address and I sent it out to them. A few days later I realised they couldnt help me and therefore I requested a refund, that was said to be processed on the XXXX of XX/XX/XXXX XXXX, XXXX, ( customer specialist ), XXXX, XXXX and many more have not assisted yet send the same email back to me telling me the cheque was sent out and it would take 10 working days. They refer me to the automated machine which will not allow to speak to a customer representative, when i email and tell them it does not work. Once I emailed them telling them I will report this to consumer finance, they responded ( XXXX in particular responded ) by email saying the cheque was sent back on the XXXX of XXXX which is today. I have not received anything from them, and therefore I do not understand why they would say I returned the cheque when I have been waiting it for the past month. Clearly something is not right, and they do not seem to want to send my money back. Please assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Hyundai finance administrator made a mistake completing all necessary paperwork to extend lease and 2 months later, car was repossessed with no warning causing almost $ XXXX and the tow company cause {$1500.00} damage to the bumper for which I have to pay deductible. They admit they made the mistake but escalation is going nowhere w no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt.

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Product: Payday loan, title loan, or personal loan

I had a loan with cashnet before and paid it when I tired to reapply it kept saying they are unable to verify who I am therefore each and every time after this my loan is denied. They are using a system they are not telling people that you can fix so when they are denying you you can not fix whatever error they are getting off the report therefore the consumer will always be denied.
Product: Checking or savings account

Hi there, My checking account at BBVA Compass got charged twice a Non-Sufficient Funds ( NSF ) fee of {$38.00}, totaling {$76.00} due to a scheduled bill payment of {$77.00} on XX/XX/XXXX. However, my account has a balance of {$77.00} on XX/XX/XXXX, which covers the transaction. I contacted BBVA and they said that " BBVA Compass posts transactions to accounts throughout the day, compared to other financial institutions which post at the end of the day. Our real-time system allows us to more closely match the posting of transactions to an account with the timing of the actual transaction activity. Since transactions post to accounts throughout the day, deposits made later in the day may not be available to cover withdrawals that post earlier in the day. An NSF fee will be applied on the business day following any transaction that overdraws an account or if an item is returned due to insufficient funds. '' This explanation is unfair and unacceptable to most customers like me. It is beyond our knowledge to know what kind of internal system a bank use nor it is our responsibility to know that. I have sufficient fund on XX/XX/XXXX to perform the transaction while got judged by BBVA 's unique system as insufficient and got charged a {$38.00} NSF fee. The second NSF fee is even more unreasonable. Because of the first {$38.00} NSF fee, my balance can not cover the bill payment anymore. And I got charged another {$38.00} NSF fee. During the whole period, there is no notification or communication informing me what is going on and on my credit card company 's webpage, it showed the bill was paid. 

Other banks I have accounts with, like XXXX XXXX, even if the account has an overdraft, they will notify me immediately, so I can transfer money in and correct it ASAP. Moreover, they can simply deny the charge if my account has insufficient fund. And it feels ridiculous to me that the second attempt to perform the bill payment transaction at the condition that my balance dropped due to the first NSF fee, which resulting in another NSF fee. It seems to me that its system was designed to charge as many NSF fees as possible. 

I contacted BBVA and requested the full refund of the two NSF fees, totaling {$76.00}. They only refunded one fee of {$38.00}. 

Please help me get the refund for the other {$38.00} NSF Fee. Thanks in advance for your help.
Product: Vehicle loan or lease

On XX/XX/year> I made a payment Of {$650.00} to alley. On XX/XX/XXXX I received an email from Ally stating that they refunded the money back to me due to the name on my account and the name on my Ally account not matching. Which at the time was untrue, due to me, making prior payments with the same account and the same routing number to ally with no issues. On XX/XX/year> my car was repossessed because ally said it was due to a non-payment when I had already made a payment on XX/XX/XXXX before my car not was even due. I sent Ally emails of official bank statements proving that the money was taken out of my account and sent to Ally and that the bank never received a refund. Ally insisted that the money was refunded back and credited to my account. I never received any refund from ally or any credit from them since I made a payment on XX/XX/year>. I have requested several times from Ally if they can provide transaction reversal codes and or a confirmation proving that the money was refunded to me. They responded that they were unable to provide that information to me, and that I would have to contact my bank. They informed me that my car will be sold on XX/XX/year>.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX  Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on MIDLAND CRED. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Experian since XXXX. Experian had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.
Product: Credit reporting or other personal consumer reports

I was a resident of XXXX XXXX and loss my job due to XXXX  and agreed to move out of my apartment because the management company refused to take my rent if I did not include the next month 's rent even though it was not due. I agreed to move out and turned in my keys as agreed. 

The management company put a balance on my credit report ( that I was unaware of ) with a collection agency and the information the collections company is reporting is not correct, and they have refused to remove it off my credit even though it never should have been put on my credit in the first place. Having this balance on my credit report is creating a super hardship for me making it difficult to get a job and housing opportunities due to this being reported on my credit. 

It is not fair that management companies can sell false debts to collection agencies and these agencies do not properly verify the information and person 's account balances. In addition, I was under the CARES ACT with that community, and they forced me to move out of my unit because the management company refused to take my rent unless I also paid the next month 's rent. This debt is unfair, as they basically forced me to move out and I complied, however, I need this collection agency reported account removed off of my credit report immediately as it is creating a major hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked hard to have a decent credit. I am young and the only negative thing in my report is two late payments. I recently got denied a car loan. Received a letter explaining why, apparently a credit rating company that I 've never heard of called XXXX XXXX gives me a rating of XXXX. Their reason " too many delinquencies ''. I 've seen many complaints for this mystery company online but I want to make sure I put my complaint in too, so this company gets taken care of ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was placed in collections on my three bureau credit report. The amount is {$1200.00}. I was not given a notice that the account would be sold to a 3rd party collection company, nor did I give them or the original creditor permission to report my data to these private data collection companies. My consumer rights have been violated by this reporting and I demand full removal of this account on all three bureaus. I have contacted LVNV Funding twice by certified mail requesting an investigation and no efforts have been made to provide their findings including a signed contract with my signature allowing the collection or a purchase agreement when purchasing the debt from the original creditor. Upon further investigation LVNV Funding LLC per the NLMS website is not licensed to collect in the State of California. Please have this rectified immediately. Thank you in advance.