23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been getting collection calls from navient. They used to only hold my private loans but they are now saying they have two federal student loans they were collecting on. My complaint is that they collected on my federal loans without telling me they were the federal loans. I didn't even know navient had 2 of my federal loans. I know the options available and consumer protections in place for federal because I also have XXXX who manages my federal loans ( and do a good job ). With Navient In setting up payments, however, I was not told that the payments I was setting up were for my federal loans since I didn't know they owned those XXXX. Furthermore, the payments I set up, in the amount of XXXX every two weeks, with Navient.I was under the assumption were to be allocated across all of my private student loans. Upon calling in to reschedule a payment a customer service rep informed me the payments were only for my 2 federal student loans they owned and that they were set up incorrectly. They should only have been for XXXX. Every two weeks Because it was only for the 2 federal loans. Only I was told it was for all of my private loans and that they'd be garnishing my paycheck or taking my house next. So I set the payments up. 
Meanwhile I'm also getting collection calls from the other navient, navient collections ... which is why I complained to the previous mentioned agent in the first place it's like they were two different companies and I didn't know. They were both collecting but I thought they were one entity. Deceptive collecting and incorrect info given.
Product: Checking or savings account

I had applied for a loan with a company. Recieved a call back from XXXX XXXX stating I was approved. It turned out to be a scam. The scammer told me to go to XXXX & send the money back, which I did using my bank debit card. It was about XXXX hours later they deposited another amount into my checking & told me I had to send it back, Which I did. This happened XXXX XXXX times. Checking my checking account I saw that the checks XXXX XXXX deposited were from XXXX XXXX & my name was forged on the back of the checks. Attached is proof of scam & phone numbers used by scammers. The scammer used the name XXXX XXXX and the following numbers XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX I put a check into an ATM to fund a new account at 5/3 Bank. I already have multiple checking, savings and business accounts and have for about 20-years. This check was to fund the new personal account. I checked the next day to find the issuing bank ( XXXX XXXX XXXX ) which is local, had paid the {$5000.00} check to 5/3 but it was showing up in the 5/3 account as " Pending ''. I waited 2 days and checked again. Still pending. I did a chat with 5/3 complaining that was not right. Said they would not release the money to my account until XX/XX/XXXX ( 10 days ). Their response to my complaint was " The availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authentic. Each deposit goes through the same verification process. Whether a hold is placed on a deposit or not is determined by the life and activity history of the account the deposit is going into. Also, it would depend on the issuing bank verifying the deposit during processing ''. But the check had already cleared the issuing bank. I could see it on the activity statement ( I have access to that account as well ). 5/3 has done this several times before when I deposit a check of over {$2000.00}. It's almost automatic. 

Now, here is what they are doing I think : The put a hold on the big checks that come through ( even if they are cleared the next day by the issuing bank ) and then make money off the float. Interest from my {$5000.00} won't amount to much but if they do this some 10,000 times per month, it would be sizable. In the meantime, they are telling the customer the check hasn't cleared or isn't " authentic ''. 

Now, one solution on my end is just to change banks but I have about 10 accounts, credit cards, debit cards, etc. and to change all those would be a huge burden I don't have time to do. Plus, I have no assurance another bank will be any better. 

For the most part, 5/3 has done OK over the past 20-years. Local managers have gone out of their way to accommodate but this is out of their hands. 

If, for some reason, the bank has reason to believe a check is fraudulent or the money isn't transferred in a timely manner, a hold seems appropriate but when the money is transferred in 24 hours and they still hold it for 10 days, that just plain unethical.
Product: Debt collection

I have received ten phone calls today from XXXX at my home, place of employment, and my parents residence. An automated voicemail from XXXX XXXX has been left multiple times instructing me to call XXXX. When I call back I reach the voice mail of XXXX XXXX but their system will not allow me to leave a message. These phone calls are harassment of both myself and my parents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX- {$210.00} XXXX- {$780.00} XXXX XXXX- {$240.00} XXXX- {$210.00} XXXX FCU- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}
Product: Debt collection

In accordance with the fair credit Reporting act XXXX XXXX XXXX had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following 5 fraudulent accounts that are result of identity theft : 1. XXXX XXXX ( Opened XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$1600.00} ), XXXX XXXX XXXXXXXX XXXX Opened XXXX, Balance {$900.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX, Balance {$2300.00} ). To this day Equifax have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent accounts.
Product: Credit card or prepaid card

There's a charged-off XXXX XXXX credit card account from Midland Credit Management appearing on my credit report. I haven't had a XXXX XXXX account in years. Therefore, this account has to be a product of identity theft.
Product: Checking or savings account

Since XX/XX/2020 my TD Bank account has been frozen and my login credentials updated to lock me out of my account. When I called them and went to a branch manager the only thing I was told was that my account was sent to fraud for a fake account. I brought that exact check to a branch in XXXX pa and they refused to even look at it. I called the main td line to figure out why I cant even access my account. All they told me was somebody in td was looking into it with no name or number on file. I have since called them every week at least 3 times a week to no new information. Most of the time I call they hang up immediately after I give my account number XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in early XXXX, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, XXXX XXXX XXXX. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from XXXX XXXX that I had a derogatory addition to my credit report. A new debt collector, Franklin Collection Service, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. Franklin never contacted me, I never received any  letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, certain accounts and inquiries listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my authorization, and I am taking steps to resolve the issue. 
Accounts to be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of a collection account listed on my credit report. Pursuant to the provisions of the Privacy Act, specifically 15 USC 1681, I am formally requesting that you investigate and verify the accuracy of the information you are reporting to the credit bureaus. 

Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX I am invoking my rights under 15 USC 1681, which states that individuals have the right to dispute information that they believe is inaccurate, incomplete, or misleading. I am requesting that you provide evidence to support the validity of this debt, including but not limited to : Documentation showing the original agreement between myself and the creditor. 
Proof of the amount owed, including a detailed breakdown of any fees or charges. 
Verification of the date of XXXX  delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried now for months to handle this on my own. I have gone to XXXX XXXX and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " Business Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX XXXX  and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXX  account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple XXXX XXXX XXXX XXXX XXXX XXXX. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.
Product: Money transfer, virtual currency, or money service

II first I like to explain what is going on on this Pandemic days I as independent home office working from home we need to deal with make transactions online business so I am facing dealing with people who offer services and TRUST them I have 'no choice ' and have to pay at front since they require payments at front to deliver services, to keep going our home business I sent XXXX payments via zelle thinking since zelle is bank to bank transfering money I was protected in case the people dont deliver services I paid {$2900.00} plus {$2000.00} plus {$500.00}, guess what was scam in less than a month I sent money to people i do not know or trust. also they tricked & persuaded me into sending the money, or promised that I would receive something in return that they did not provide after 3 weeks I did not receive services I paid. i file a claim with XXXX XXXXXXXX XXXX but they did not t fix the problem I am very sure more people is having my same issues I had with this people,, I wan to protect other people from been scam like me the worse think is I found out one of this person XXXX XXXX she wet to other bank open a new account and open a new Zelle account she is now using zelle again without no problem she is getting away from the situation easy way she did not provide me services she offered to me she kept the {$2900.00} she went to openened a new account with other bank she is using ZELLE WITHOUT NO PROBLEMS wow wow she get way to play with the finanancial system right>? Im here as a victim no money I have no funds to eve pay my rent because Im broke now due to this lost... total is {$5400.00} zelle coudnt get my money back I like to know the legal reason why zelle coudtn refund me my money from scammers we are dealing with a lot scammers this pandemic days please please Im asking to you to do something asap so XXXX XXXX & the others do not get away from this case, thank you in advance
Product: Debt collection

I have made numerous attempts to obtain validation for this debt have received nothing that is valid to support that this is my debt. I am attaching all of my attempts to resolve this issue which has been going on for atleast a year. The company has not been able to provide any contracts and or documents with my signature to validate this debt and this is really caused me a lot of damage to my credit report and my ability to obtain credit.
Product: Debt collection

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

Collection Services of Athens INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Product: Debt collection

I was with XXXX XXXX XXXX XXXX XX/XX/2016 and had gone through financial hardship and could not pay off the debt owed or make any payments which led to the debt being in collection. I was moving home to home and had little to no knowledge of credit and how to manage finances. I am currently trying to rebuild my credit and have more knowledge on credit now than I did before.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies have inaccurately attributed a bankruptcy listing to the US Bankruptcy Court as the source of this information. This data can not be substantiated or validated, as the courts do not engage in the verification of bankruptcy listings. Instead, this information was obtained from a third-party reporting agency and should therefore be removed. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if the credit bureau is unable to validate information with the original creditor, they are obligated to remove it from the consumer 's credit file. The Bankruptcy Courts have also confirmed that they do not furnish information to credit reporting agencies and do not validate or confirm public records. These records are collected by credit reporting agencies and third-party providers, and they are not validated by the U.S. Court system due to privacy laws.

Inquiries made to the U.S. Bankruptcy Courts have verified that XXXX Credit Bureau has never validated or verified these public record entries on my credit report, nor will they do so in the future. It has been emphasized that the U.S. Bankruptcy Courts are not liable for the misuse or dissemination of incorrect public records, often reported by third parties without the consumer 's knowledge. 

Given the potential violation of the Fair Credit Reporting Act, I am requesting the immediate permanent deletion of the bankruptcy information associated with my social security number from my credit report. XXXX Credit Bureau is also required to provide me with copies of all documentation related to these Public Record Accounts, including any court orders or authorizations bearing my signature, which would authorize the inclusion of this information in my credit report. 

To comply with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are obligated by federal law to physically verify the original signed consumer contract and/or judgments for all accounts and public information reported on credit reports. Failure to do so could lead to the inclusion of fraudulent or erroneous account information. 

If this unauthorized public record information is not removed from my credit report within the next 30 days, I reserve the right to pursue legal action against the XXXX Credit Reporting Bureau. I will seek damages of no less than {$5000.00} for various reasons, including but not limited to defamation, negligent enhancement of identity fraud, violation of the Fair Credit Reporting Act, and Consumer Financial Protection Bureau regulations. 
Please make these credit reporting agencies comply, XXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial systems called from XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX I spoke to the representative who stated that they had a personal business matter. He asked for my address as they did n't have my SSN or birthday. I told the representative that I was not providing my address or agreeing to anything without more information as to the matter at which they were calling. The representative stated that they will mail a letter and that I was to contact them when I received the letter. I agreed to contact them once the letter was received.
OnXX/XX/XXXXat XXXX, I received a phone call from Commonwealth again. I told them I spoke to them less than 24 hours ago and was told that I was to contact them once a letter was received. I stated that this wass harrassment as we had agreed on how to proceed based on the amount of information they were willing to provide. I, then spoke to a manager that confirmed that I did speak to the representative yesterday and that a letter was supposed to be mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX  XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/ two student loans were added to my credit report. One amount of {$2900.00} and other amount of {$1700.00}. I have tried disputing multiple times with Credit Karma and XXXX but have had no luck. I took the steps to contact directly with the student loan company XXXX XXXXdept of education ) but can't get ahold of a customer representative to discuss the fraudulent activity. I am also unavailable to acquire these account numbers and I need that information to move forward so I am able to report the fraudulent accounts. I would like to move forward to remove these loans from my account as it has and will continue to effect my credit report as well as affecting my ability to open other accounts. 

Thank you so much for taking the time to read my complaint.
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
Product: Credit card

Discover Credit Card : My credit line was declined. 
My automatic payment was removed. 
I was charged a late fee. 
The bank will not return the late fee. {$25.00}, this is the fist time I would be late. I am not sure why they will not return the late fee.
Product: Checking or savings account

Wells Fargo froze my account in 2012 for 7 days after I filed for bankruptcy. Caused me late fees on bills that were due as well as bounced checks.