23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Halsted Financial Services, LLC ( T : XXXX ) has been calling me for approximately one month while claiming that I owe them funds on an account, however, as I have explained to them, I was was the victim of the XXXX XXXX XXXX XXXX Data Breach and this account was not mine. To wit, they have not respected this fact even though I have explained it to them. I heretofore request th
at Halsted Financial Services, LLC to CEASE and DESIST all collections activities ( phone calls ) forevermore. Signed, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have numerous emails going back and forth with chime XXXX bank regarding the credit builder account that they continually tell me that its closed but is showing open on my report. Ive asked for resolution Ive asked how to pay and resolve but nothing has been done I dont what theyve changed but they say theyve changed the report but it shows the same. Over 30 emails back and forth with no resolution I have messages since XX/XX/23-until present Ive been communicating. Theres a balance of XXXX dollars and no way to resolve the situation according to them
Product: Credit reporting or other personal consumer reports

XXXX didnt respond back on a hard inquiries complaint ( XXXX + business days ) Complaint company hard inquiries XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX, XX/XX/2023. 

I have a fraud alert on my credit profile and didnt give no one permission to look into my credit report
Product: Credit card

My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( coduent  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

To whom it may concern, this complaint is in reference to a Fraudulent check withdrawal from my CHASE account on XX/XX/22 in the amount of {$950.00}. The fraudulent check was addressed to XXXX XXXX XXXXXXXX XXXX  and was cashed by a person unknown to me who forged my signature on the aforementioned check. Upon making this discovery I contacted CHASE via XXXX and was advised to report to my branch which is located on XXXX XXXX and XXXX XXXX XXXX XXXX in Florida. Shortly thereafter, I arrived at the bank when I made contact with a bank employee whose name I can not recall assisted me in cancelling my old checking and savings accounts for new ones. Prior this incident a fraudulent check was deposited into my account on XX/XX/22 for the amount of {$930.00} with my forged signature. The check was from a company called XXXX XXXX of XXXX XXXX. Upon making that discovery I responded to my branch when I made contact with an employee name XXXX who assisted me with cancelling my accounts for new ones. I stated to XXXX that only two agencies deposit checks into my account and they are my employer XXXX XXXX XXXX XXXX and the Internal Revenue Service and no one is authorized to withdraw. In exercising due diligence a security pin was set up to deter future fraud attempts going forward. After the second incident I asked the bank employee how could {$950.00} be withdrawn from my account if a security pin was set up and I was advise that the security pin was removed but no one can give an answer as to why. It should be known that the security pin was removed without my knowledge or consent. 
I was told by the bank employee an investigation would be conducted and my {$950.00} will be credited after 90 days. On XX/XX/22 I made contact with CHASE Fraud Dept via the aforementioned number when I was told my funds shouldve been credited to my account a long time ago and if in 5 business days my funds were not credited to call back. On XX/XX/22 I made the call but on this occasion I was communicating with CHASE Fraud Dept Located overseas. The Overseas Fraud Dept Personnel stated that Based on their investigation my ID was used together with my signature and I did not report my ID was stolen and the case was closed. I told the investigator I never lossed my ID so there was no report to be made in addition which bank location the Fraudulent Check was cashed he refused to give me that information. In conclusion CHASE does not have any Clear and Convincing Evidence that Im responsible for this fraud but theyve made that decision anyway. Im hoping that your agency can look into this matter to hold CHASE responsible for their error in protecting my accounts. Thanking you for your attention in this matter. 
Yours Sincerely.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS SHOWING XXXX ON MY ANNUAL CREDIT REPORT XXXX THERE IS NO XXXX PAYMENTS BEING MADE ON THIS XXXX ACCOUNT. 
THESE IDIOTS ARE COMMITTTING FRAUDELENT REPORTING WITH XXXX. 

THIS IS NOT TRUE AT ALL THIS ACCOUNT IS CLOSED! 

THIS IS LIKE MY 50TH COMPLAINT AND EQUIFAX IS NOT GETTING ANY PROOF THEY ARE JUST GOING BY WHAT XXXX XXXX IS TELLING THEM! 

I WANT PROOF OF THESE PAYMENTS FROM XXXX TO XXXX SHOWING THE AMOUNT OF XXXX I NEED CHECKING ACCOUNT RECEIPTS, DEBIT CARD RECEIPTS OR ANY TYPE OF RECEIPTS. 

IN ADDITION PROOF THAT THIS ACCOUNT IS STILL OPEN. THIS ACCOUNT IS CLOSED!

IN ADDITION, SHOWINT 10 MISSED PAYMENTS OUT BY TIME AND THE MISSED PAYMENTS IS FRAUDELENT ALSO. 

THIS IF FRAUD! AND EQUIFAX DOES NOTHING ABOUT IT!
Product: Mortgage

My mortgage in serviced by HomeLoanServ Inc. I am having problems with my escrow account. My mortgage payments go up every year, but the customer service reps tell me something different every time I call. There is not case notes in the account that I have called several times to get the issue resolved. I am explaining the problem I am having over and over again, because there are not notes to go back to. My total mortgage amount stated out at {$680.00} now, it is now {$750.00} in three years. Last year, they said my escrow had a short fall of {$300.00}, I paid it and they guaranteed it went towards the escrow. They said I needed to pay an extra {$25.00} to cover the shortfall that I had already paid in full, ( I thought ). I paid the {$25.00} extra for 12 months. This year I have another shortfall and will pay another {$20.00} per month. I have never missed a payment or had a late payment. The accounting is off somewhere and I need to know what is happening to my account. I would like to retire in the next 4 years, but is afraid my mortgage payments will be over {$1000.00} a month at retirement with this company. Please help! Thanks so much
Product: Debt collection

There was a collection account placed on my credit report on XX/XX/2022 from a collection agency by the name of UCB Collections address XXXX XXXX XXXX XXXX, OH XXXX. There was a letter sent to the company by certified mail XX/XX/2022 and received by the company on XX/XX/2022. As of today the company has failed to validate the debt not VERIFY the debt. The company sent documentation that was not requested. The company has failed to validate this debt to be true by submitting the following ; -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature The company continues to report this erroneous debt to my credit report without proper debt Validation which is in violation of the FDCPA
Product: Debt collection

Capio Partners LLC - trying to collect a debt but failing to provide detail of debts.
Sent a certified letter to Capio   Partners/it was re c 'd  on  X/XX/2017     XXXX  'd a letter ba  ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info.
Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.
Product: Credit card or prepaid card

I believe this is credit fraud since i did not filled the application or requested anything to do with this credit card company ; i should not have to pay anything on this card. I did not request or activate this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( EXPERIAN, XXXX  AND XXXX  )
Product: Mortgage

My Loan was transferred to Mr Cooper in XXXX of XXXX. Until then, everything was fine and being paid on time by the predecessor service Company. I got a letter in XX/XX/XXXX from my County which handles the real estate taxes for my property stating that my property taxes were not paid and my taxes were considered delinquent! The payment was due in XX/XX/XXXX. When I called the county they said that they did not receive anything from Mr Cooper. I then called Mr Cooper and got the full run around from person to person to person. Each one saying something else like " oh it shows here it was sent out last month '' or " we can not tell you any details on check number or weather the check was received by the taxing authority or cashed ''. 

I decided to give them the benefit of the doubt and wait an extra week or so to see if the county district  was just delayed in its processing but when I called they informed that they did not receive anything. I have read other reviews online and see very similar stories. Someone needs to do something about this!!! This can not keep happening to regular mortgage paying homeowners!
Product: Bank account or service

On XXXX/XXXX/16 a Social Security ACH transaction was received by Wells Fargo Bank and was reflected in my online account as a {$1000.00} deposit and I had a balance in excess of {$1500.00} in my account. I made a withdrawal of {$1100.00} and later in the day attempted use of my debit card for a {$2.00} purchase. The card was denied. Upon returning home, I checked the Wells Fargo web site and saw a balance of {$470.00}. 
Today, XXXX/XXXX/16, I checked the account again and find a negative balance of {$590.00}. 
I call the branch that I had used for the withdrawal and they denied that there had been any such deposit. My next call was to Social Security where the transaction to the proper XXXX and account was verified. I received a phone number to contact the ACH processing at Wells Fargo. After speaking with XXXX persons I find that my account was blocked on XXXX/XXXX/16. No transactions are allowed in or out. 
I called the Loss Prevention phone number that was provided and was told that the Social Security transaction had been returned. I told them that I was to receive a XXXX transaction for {$3100.00} on XXXX/XXXX/16. I was instructed to call back on that date.
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, according to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) States that 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

Transunion XXXX XXXX are both reporting an alleged collection account XXXX XXXX  Account # XXXX that has not been properly validated or verified as belonging to me because I have no lawful obligation to pay a third party debt collector and I did not receive my rights to dispute this account before adding it to my consumer report.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through blackweb and datd breach from XXXX. 
All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Money transfer, virtual currency, or money service

XX/XX/17 money transfer into my paypal account. Today is XX/XX/17 and I still have been unable to have paypal transfer the money from my paypal account into my bank account. I 've been on the phone with paypal all morning, I 've driven to my bank twice at the suggestion of paypal representatives. 
In short, PayPal money transfer system and web interface is overly complicated, confusing, deceptive, vague, and dishonest. 

This was a {$4300.00} money transfer that should have taken 30 minutes and is now over 10 days and waiting. 

After calling their consumer services hotline, I received vague and conflicting explanations for the delay. They seemed to give me only enough information to clear the roadblock directly in front of me and willing to let me stumble into the next hurdle they could clearly see. 

10 days and waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit card or prepaid card

XXXX XXXX - XXXX XXXX XXXX XXXX called me and claimed to be Care Credit. They asked for my account # over an automated line but I refused to give that info. Then a live person answered the call and asked for my social security number after reassuring me they were Synchrony Bank Care Credit. I refused again to give this information to them and they said I had a payment issue with 2 payments on my account. I called the real synchrony bank from a number that I know is safe and they shut down my account number just in case and are sending me a new card in the mail. The scammers from the TX number seemed to be able to see my account but nothing was charged. I will block their phone number.
Product: Checking or savings account

On XX/XX/XXXX, I received as notice from Truist bank that I was charged {$100.00} for overdraft fees, because 3 items went through on that day, and I was charged {$36.00} each time an item went through. My salary went through on the XX/XX/XXXX. 
I went to the branch on XX/XX/XXXX and the representatives tried to reverse the charges but said that they were not able to do it because of a new system. They called the customer service help line, but they were not able to reverse the charges either. The officer updated my account so that I could get alerts before the charges went through in the future. I was not aware that the bank offered this service. I have been a costumer with Suntrust/Truist for about 19 years. I wrote the email below to XXXX XXXX, the president of Truist Good afternoon XXXX XXXX, I hope you had a great holiday. I was having one of my best XXXX  until I woke up this morning and found {$100.00} withdrawn from my account in one day for overdraft fees. I got paid today- Friday ( even though everyone in my company got paid on Wednesday or Thursday through their banks ) and was not aware of the overdraft until I was charged three times a few minutes before my pay was posted.

This will cause me considerable hardship, as I will not be able to pay some of my bills. I have also made several requests to the bank to not put through charges if there is no money as I simply can not afford these charges. I am asking you to take pity on me, an educator who makes very little money and reverse the charges. I will go ahead and stop all payments from this account so that this does not happen again.

Thank you for your understanding.

I got a phone response from a XXXX XXXX who explained that the bank use to take 6 overdraft charges in one day but has now reduced it to 3. She was very sympathetic but said that the system will not allow the employees to reverse the charges and that she was going to put in a claim to their compliance department. She said this was an internal investigation and that I would not hear from them, so my unresolved case was closed.

I believe these charges should be reversed because 1. I did not authorize the bank to pay bills if there were insufficient funds 2. I was not made aware via an alert, text or email that my account was going in overdraft so that I could make changes 3.My salary was posted minutes after the overdraft occurred 4. The overdraft was excessive 5. There should be some concessions for loyal costumers 6. I will not be able to meet my monthly bills