23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is an official notice from XXXX XXXX regarding a lawsuit filed in XXXX County Court against XXXX, XXXX, and XXXX. All creditors have been informed about fraudulent transactions on XXXX XXXXXXXX XXXX credit profile. Any creditors who continue to report these fraudulent accounts may be included in the lawsuit. It is advised to remove all credit reporting in accordance with the Fair Debt Practice Act and the provided evidence of identity theft through an affidavit. Those aiding in fraudulent credit reporting may face charges in the lawsuit, and if judgment is granted, creditors may be subjected to collection efforts and potential commercial liens. cease all credit reporting immediately. Thank you.
Product: Debt collection

Apex Asset Management is trying to collect a debt that is not mine. I have attempted numerous attempts to get them to remove this from my credit report. Also, per written correspondence from The State of New Jersey ( see attached ), they are not even bonded, as per law. They should be fined and jail time, per the statues. They need to removed this from my credit report within 30 days, or this is going to the Attorney General and I will sue. Thank you.
Product: Credit reporting or other personal consumer reports

In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX {$9100.00}, {$7000.00}, {$8900.00}, {$8400.00} In concerns to the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$7000.00} XXXX {$9100.00}, {$9000.00}, {$8400.00} XXXX : XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX With respect to the XXXX XXXX XXXXXXXX under which we operate with full faith in credit. This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account.

It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 


Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? 
When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not?

It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute.
Product: Checking or savings account

On XX/XX/23 I was locked out of my Huntington bank account with no contact from the institution. I contacted them by phone in attempts to resolve the matter and they refused to assist me and referred me to a branch in person but I am without transportation and unable to make it into a location today due to their terrible hours and locations. I do not feel that they are meeting the needs of consumers they are supposed to be here to service and this is not the first issue XXXX or others have had. I have worked in the fraud department for another financial institution and know this is not how a business should operate and that there are other options or means of verification. I would like someone to complete a review of this business and ensure that they start treating the consumer correctly.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from CITI Bank, regarding a suspicious activity on my XXXX XXXX card and wanted to verify if these charges were legitimate, to which, we got in touch with CITI and informed them these charges were NOT authorized by us. Therefore, Citi cancelled the credit card and sent me a replacement card. The unauthorized charges were removed as " Security Credit '' In the meantime, the balance on my previous month 's ( XX/XX/XXXX ) was {$4600.00}, and I also had my own credit with them in the amount of {$70.00} and {$1000.00}, a total credit in the amount of {$1100.00}. So, on my XXXX Statement for replaced card showed that my XXXX chares of {$4600.00} was cleared from the credit. In the meantime, since I received the new card around XX/XX/XXXX, I was unable to access my credit card activities online for which I had t spend numerous hour with CITI Bank IT to have it fixed. This took 2 months before was able to access my charges activities, during which time CITI Bank kept calling me for payment of the past due amount to which I informed them that I could not pay without seeing my charges, so I was told that they would have to mail me the hard copies of my Statements. I received my Statements towards the end of XXXX, on which I saw that the fraudulent charges were still present, so had to go back and forth with CITI to resolve the issue. According to CITI, after they removed the charges, The Merchant from where the fraudulent charges occurred processed a credit as well, in all of this we could not agree with the actual payment amount that was needed to be made. However, since XX/XX/XXXX, we had made new charges in the amount of {$59.00} on XX/XX/XXXX and on XX/XX/XXXX, {$290.00}, a total charge in the amount of XXXX We were told by CITI, that although there is an on going dispute regarding the fraudulent charge, the best thing to do would be to clear the new charges ( {$350.00} ) which we did. On my XX/XX/XXXX Statement, the  charged in the amount of {$2900.00} XXXX the fraudulent charges ) appeared again. In the meantime, the total amount charged to me in the form of fees and interest charges is {$570.00}. To add to this, on XX/XX/XXXX, I was hospitalized for a XXXX XXXX   XXXX, which is why it is only now, that I am able to address this issue.According to my understanding, the amount due is {$3500.00} ( Not including the fees and interest charges ) which I have paid in full. 
From my end, I have paid the full amount I owed to CITI. I have spent countless hours with CITI on the phone trying to resolve this matter, getting a run around to talk to Customer Service, to Fraud Prevention Department, to Collections Department over and over and having CITI representatives hang up the call etc. All of these calls supposedly should be recorded, in case verification is needed! 

THIS HAS AFFECTED MY CREDIT RATING AND I AM NOT ABLE TO APPLY FOR ANY SORT OF LOAN FOR MY BUSINESS WHICH I VERY DESPERATELY AM IN NEED FOR DUE TO THE INTERRUPTION OF MY BUSINESS AS A RESULT OF COVID -19. I would greatly appreciate your intervention in resolving this for me. 

XXXX XXXX Email : XXXX Phone : XXXX
Product: Checking or savings account

I am writing to lodge a formal complaint against Navy Federal Credit Union regarding a series of overdraft fees that I have been charged. Despite having sufficient funds available when transactions were initially authorized, I was penalized due to the delayed posting of charges and credits. This situation is in accordance with the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal regarding similar practices. In these instances, transactions were settled with insufficient balances despite the initial availability of funds. I find these practices to be unjust and therefore request an investigation into my account transactions.
Product: Mortgage

On XX/XX/2018, my husband and I closed on a refinance loan with XXXX XXXX, from Insight Loans. The objective was to get the PMI off and get some money back for home improvements. 
The understanding and agreement that I had with the broker was that I would get {$8500.00} cash back at closing and my interest rate would be similar. The closing documents were sent but the broker never mentioned that it would cost us more than {$5900.00} to get the interest rate that he had indicated that we would get. He even admitted to me that he wasnt feeling well and did not even look at them before sending them. The closing document fees indicated TO SELLER but in two different boxes.The broker never mentioned a {$6000.00} fee, or that my cash back would change. When I questioned him about the interest, he said that it would be lower. I did not know that I had to paid this fee until the check came, and I was no longer able to rescind the loan. When I contacted the broker about the discrepancy, he ignored me for over a week. He also offered to pay me off until I was happy to avoid a complaint. He also sent me a {$50.00} gift card the last time I closed on a loan with him, for a five star review. During this issue, he also indicated that he had contacted the mortgage company to try and get me a lender credit but when I contacted them, they didnt know what I was talking about. The fee was indicated in the documents but it was never mentioned to me until afterwards. My understanding was that o was getting the {$8500.00} we agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing to you is that cap one is being unreasonable. I wrote to this company on XX/XX/XXXX.  Explaining to them In detail that I had a major XXXX XXXX late XX/XX/XXXX. The XXXX was not 100 % successful, it turned up to be a nightmare as I had to stay in the hospital for further checkup. In the process, I was unable to work and suffered emotional stress and developed XXXX-XXXX XXXX XXXX and couldnt function mentally. and even attached documents to prove my claims. 

I requested them to Please remove the late payment history reported on my account with them during that time that I was recovering from the XXXX. It was never my intention to be late. As a matter of fact, I could not work during that period as I was recovering from XXXX complications. After I recovered around XXXX, I have maintained a perfect record ever since. Also keep in mind, if it were not the XXXX complications, my account with them would have never fallen behind. 

Attached herewith is a copy of the letter i sent them
Product: Checking or savings account

My PPP was disbursed into my bank account XX/XX/2020On XX/XX/2020 my business bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$9.00} ) & savings ( {$220000.00} ) was sent to Legal Order XXXX XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.
Product: Mortgage

1. Why do they send me a volunteer payment coupon. 

2. Am I Obligated to pay the mortgage if it is a voluntary payment. 

3. Why do they report to the IRS that the P/B amount owed is XXXX 4.And the amount showing on the mortgage statement as XXXX 5.Please Explain the months that I am delinquent 6.The difference between the amount reported to the IRS and the amount on the monthly statement is XXXX?
Product: Checking or savings account

I initiated the transfer from external bank to Chase checking account. However instead adding the balance to my checking account, Chase subtracted the balance from my checking account and charged me with the overdraft fee. 

My external bank account has corrected subtracted the money. My transferred money is now nowhere to be found.
Product: Student loan

I was recently informed by my current school of enrollment that a student loan, which I was unaware of and is in default, was taken out in 2006. At that time, I was not enrolled in school, and I had no prior knowledge of the loan. Additionally, I never received any communication or notifications from the loan servicer or lender regarding the loan 's status or default. 

To address this issue, I contacted XXXX and spoke with an agent named XXXX. I provided her with the details of the situation and requested that the loan be disputed. However, XXXX indicated that she had no information to offer and assured me that someone would contact me regarding the matter. To date, I have not received any follow-up communication. 

Given these circumstances, I am formally requesting proper verification and validation of this loan.
Product: Debt collection

XXXX Bank : Part Account Number ; XXXX Status : Closed- Claim I owe {$1500.00}. ** Showing ; sold to NCB Management ; In comments lender claims : Purchased by another lender. 

NBC Management Services part Account XXXX ; XXXX claim i owe {$1600.00}. ** in comments ; completed investigation- Really? 

How do I owe XXXX company 's for the same thing? 
somebody did not investigate.. 

Report # XXXX for XX/XX/year>
Product: Debt collection

I have been contacted by USAA seven times today. Five times within one and a half hours. I had n't been answering the calls and when I did finally answer the call I spoke with " XXXX. '' He informed me that it was " irrelevant '' as to how many times he contacted me as long as I had n't answered the phone. I am submitting this complaint to inform XXXX and USAA that their collection methods are annoying and harassing and I would like it to stop. I will be submitting a written letter and request to USAA as well.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX/XXXX  - Account XXXX XXXX  XXXX - Account Number:XXXX XXXX  - Account XXXX XXXX  - Account NumberXXXXXXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

My balance with Student Loan Provider ( XXXX ) is currently XXXX and has been since XX/XX/XXXX. I was provided a Paid in Full letter and my online portal with the company continues to show a XXXX balance. 

I disputed the balance with Experian and provided the documentation from the provider in XXXX. On XX/XX/XXXX Experian indicated they concluded the investigation with no change/update to my balance. 

I, again, initiated a dispute XX/XX/XXXX and provided additional letters and screenshots from XXXX website clearly reflecting a XXXX balance and paid in full documents. 

Today, I again received an email stating that as of XX/XX/XXXX ~ their investigation is concluded with no charges to my balance. 

This is clearly a failure or deliberate error on XXXX part.
Product: Money transfer, virtual currency, or money service

Hello, I got asked to create a song. They offered to pay me XXXX but sent XXXX on " Accident ''. 

I deposited the check into my wellsfargo account the XXXX of XX/XX/2021. 
The check cleared and was in my account, so I sent them 4 payments of XXXX, only to have that check bounce 3 days later. I wouldnt sent them any money if the check wouldn't of cleared. I didn't get any notifications that it could be a fake check. I didn't have any pendings over the check it was all in my account. 

The account the contacted me was through XXXX, this is the account. XXXX The email address the check came from is XXXX Hope this information helps!
Product: Bank account or service

I have made transferred payment to my daughter account on XXXX/XXXX/2015 which she has same bank with Chase. I cant believe that they did not transfer to my daughter account and took money out of my account of {$97000.00} and put in their account. I called them they said they will transfer but until end of the month which is XXXX. I dont see any reason for holding account and took money out without transfer to my daughter. I called in XXXX XX/XX/2015 to cancel this transaction and they said same thing to keep my money hold to 5-7 business days to put it back. In my concern, I believe that Chase does wrong practice to consumer while taking their money and put it reservation account in the event of transfer and cancelled. They cant put money on hold for that long when I made the cancellation. I dont trust them to keep my money and want to take it back but they dont return money as they keep.
Product: Student loan

HI I WAS A STUDENT A XXXX XXXX XXXX, SINCE I GRADUATED, IT WAS TO DIFFICULT TO FIND A NJOB BECAUSE IN XXXX THEY SAID IF YOU DONT PAID THE LOAN YOU WILL NOT BE ABLE TO GET YOUR DEPLOMA SO I WAS WORKING ON A FAST FOOD RESTAURANT AND THE MONEY THAT I MADE IT WASNT ENOUGH FOR ME BUT SINCE I DIDNT HAVE NOT DEPLOMA AND NOT OPTION TO GET A BETTER JOB, MY LOAN WAS GETTING OUT OF CONTROL IT WAS ONLY XXXX YEAR XXXX   DEGREE AND ALMOST XXXX IN LOANS AND I DONT KNOW HOW? SINCE THAT DAY I NEVER WANT TO GO BACK TO COLLEGE BECAUSE I WAS AFRAID, I NEED HELP PLEASE.
Product: Debt collection

XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$5500.00} XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$32000.00} these account are un authorized accounts that are affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and needs to be removed: 
XXXX XXXX XXXX (10/15/22), XXXX XXXX XXXX (02/06/23), XXXX (01/31/23), XXXX XXXX XXXX  (01/31/23), XXXX XXXX XXXX (07/06/22), XXXX XXXX XXXX XXXX (01/30/23), XXXX XXXX XXXX XXXX (04/21/22),  XXXX XXXX XXXX (04/21/22), XXXX XXXX, XXXX XXXX (12/26/22), XXXX XXXX (10/18/22)
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding XXXX XXXX XXXX XXXX XXXX  and FCRA Violations Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by Early Warning Services regarding XXXXXXXX XXXX XXXX XXXX XXXX, which has been included in my consumer report. 

On XX/XX/2024, I submitted a letter to Early Warning Services, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from Early Warning Services stating that I had previously disputed this record under EWS Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the dispute had been forwarded to XXXX XXXX XXXX for reinvestigation. According to your response, Early Warning Services notified me of the results of this reinvestigation on XX/XX/2024. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how Early Warning Services determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to XXXX XXXX XXXX on XX/XX/2024, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if Early Warning Services and XXXX XXXX XXXX do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. Early Warning Services allowed negative information to be reported without providing this validation. 

Failure to Validate Debt : XXXX XXXX XXXX failed to provide the requested debt validation, which is required under federal law. 

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This consumer credit reporting agency claimed to have verified errors, balance and inaccuracy 's on my credit report, how is this possible. This account has no balance as you can see attach letter from the furnisher on page XXXX marked in the box with the XXXX Make sure you look on page XXXX as the CFPB will have this on record. So there for this account must be deleted or remove from my credit report right now Account : XXXX XXXX XXXX