23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep receiving calls from some " legal '' department stating that I owe {$4000.00} on a payday loan - that I can settle for {$900.00} and when I ask for some sort of documents - either email or mail, they turn up the threats - " process server will be at your house btwn XXXX-XXXX '' - you will go to jail you will be ruined. 
They have my SSN, my address, my email, phone # BUT I do n't owe anything to anyone. 
When I tell them that I researched them online and found XXXX other complaints, I was called a nosy XXXX - I need to pay the {$.00} I hang up and then they call back. The voicemail is an automated VM message stating I have to go to a mandated check writing class, I have committed wire fraud and check fraud. 
I do n't owe them anything, but they call and harass me - so far in XX/XX/XXXX alone, XXXX times.
Product: Student loan

Navient called me about 5 years ago and informed me I could no longer pay more money above my payments and direct it towards my principal.
Product: Debt collection

Coach llc continues to harass me 10 years after debt. They try to garnish my wages even though I am on food stamps and SSI. 
They are attempting to charge me fines that double the original debt amount, 10 years later.
Product: Checking or savings account

Since XXXX of 2022 I have received account statements from Bank of America regarding an " Adv SafeBalance Banking '' account. I did not open it. I have no business wioth Bank of America. 

It indicated a negative {$7.00} and change balance on the account. A month later a - {$14.00} balance was on a statement from them. I called the customer service line with no resolution. I received another statement dated XX/XX/XXXX with the same - {$14.00} balance. I presume they are hoping I will make a deposit, but I didn't request it, contact them to open any other business with Bank of America, or use the account, and want it deactivated and all data deleted. 

The account must be deleted and any record of me having that account deleted as well. 

Thanks for looking into this.
Product: Debt collection

On XX/XX/2021 I wrote Commonwealth Financial certified mail in which they received on XXXX XXXX and asked that they provide me with debit validation and hippa authorization. This account is false and misleading according to 15 US code 1692e. Commonwealth financial can not produce an original application from me to say that I am liable for this alleged debt, which Im not. According to Rule 15 it has to be the original application and they can not provide these documents. They are also in violation of 15 USC ( 1 ) of the Fdcpa for harming my reputation by putting this false and misleading account on my credit report. I demand this false and misleading account be removed from my credit report immediately since they are violating my consumer rights under title 15 chapter 41.
Product: Credit reporting or other personal consumer reports

During XXXX XXXX XXXX was servicing my mortgage. I was on forbearance for all of XXXX and part of XXXX. Sometimes in XXXX XXXXXXXX XXXX XXXX  started to service my mortgage loan. I believe in the acquisition process my account information didn't transfer corrected and XXXX XXXX XXXX  report 6 late payment on my mortgage. I made a large payment to catch up with my account while it was in forbearance, I have not been late or missed any payments on my mortgage for more then 12 months since my forbearance was lifted. The 6 missed payment is incorrect reporting on my credit report. It is damaging my credit reporting and it is enabling my ability to purchase property. I am in the process of opening a business and I can't until this is fixed. Please delete the 6 late payment in XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$4000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH cXXXX XXXXXXXX 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 my 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 the months that I was 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.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT BUREAU IS REFUSING TO REMOVE A NEGATIVE ACCOUNT ON THE REPORT. 

ACCOUNT NAME : XXXX AMOUNT : {$2200.00} ACCOUNT # XXXX DATE : XX/XX/XXXX ALSO, TO REMOVE ALL THREE NEGATIVE INQUIRIES THAT WERE UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Let me start out by saying that I love USAA bank and even after what has happened will probably continue to bank with them. I am just shocked by what happened. On   XXXX   XXXX   XXXX   I reopened a checking and savings account that I previously had with USAA. I have been a member since  XXXX . Upon opening the account I also opened a Secured  XXXX  Credit Card account that is attached to a CD. I deposited {$30.00} in checking and {$30.00} in savings. On   XXXX   XXXX   XXXX  , I noticed the money I had deposited into my checking and savings was gone and my checking and savings account had been closed. I contacted  USAA  and was advised by a service rep that I had a balance and they took my money. I then advised the rep that I filed a bankruptcy in   XXXX   with  USAA  listed for banking and auto/Case  XXXX . The rep advised me that upon opening my account I signed some type of disclosure statement indicating that they could collect any money owed. I was never notified that I owed anything to  USAA  after bankruptcy. They have never contacted me about any debt which I thought was normal due to bankruptcy. I was shocked to know that they took my little bit of hard earned money right out from under me without any notification. Because I love the bank so much I probably would have still just paid the balance and reopened my account at a later date if they informed me of what was going on. I feel like I was misled and was saddened to know that USAA would allow something like this to happen without any notification to me, the consumer. Why even allow me to open an account if I owe a balance. Just really disheartened that this has happened. I am trying to rebuild my credit and buy a home. USAA was going to be my bank where my savings would go. My first {$30.00} towards savings is gone.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as, failing to forward consumer-provided evidence to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the dispute accounts, as XXXX inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

These accounts and paid and closed, the accounts were not originally mine, but the balance is settled and i want it off my credit report
Product: Student loan

I am receiving calls from various numbers belonging to Navient. They call me between 5 and 10 times a day. When i pick up, no one is there.
Product: Checking or savings account

Capital one has not released our direct deposit and has not contacted me at all regarding the delay. Our funds have been held for two days now with no resolution in sight
Product: Checking or savings account

Started XXXX/XXXX/25 on XXXX/XXXX/25 and XX/XX/scrub>/25 my direct deposit totaling {$3100.00} was to be deposited into my capital one checking account either Thursday morning or Friday morning and due to a glitch no deposits were made and no eta has been provided. I also reached out to the back due to the XXXX card I hold with them requesting a credit increase while we get through this bump, but was also denied. We are a XXXX income family with XXXX in college and the college doesnt care the check wasnt deposited, car insurance, phone bills, car notes, and food dont care. If capital one doesnt have the Decency to upgrade a limit only an extra thousand dollars to cover physical needs over the next few days plus a snowstorm coming in next week closing the entire city down. Ive tried calling, Ive tried going to the branch, and XXXX % of my family uses bank along with XXXX % .decency to upgrade a limit only a extra thousand dollars to cover physical needs over the next few days plus a snowstorm coming in next week closing the entire city down. Ive tried calling, Ive tried going to the branch, and XXXX % of my family uses bank along with XXXX % of the law-enforcement agency I work at. So either some sort of Compensation should be attached or fix the glitch. And keep the public up-to-date on the true issues. This will be My family going with {$11.00} in our bank account for XXXX hours now
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting a account with XXXX XXXX on my credit file, after i have filed a dispute and asked for written verification several times. Both XXXX and XXXX have removed this account. Experian has not and will not provide me with any documentation that this account is mine. I have requested for them to follow suit with the other credit bureaus and they still have not responded. When i call they transfer me to a " special handeling dept '' and i just keep getting the same answer, " it has been verified '' well, if that is the case please have them tell me how it was verified and by what means, provide me with some kinda documentation. This is affecting my credit score greatly, i have a 100 % on time payment history and i am in the process of buying a house and i need to have this taken care of in order to proceed. The account is reporting paid in full but if its not my account and its paid in full why havent they removed it? Please help me resolve this issue so i can continue on my home buying journey. Thank you in advance
Product: Checking or savings account

My checkbook was stolen and called in to Internal Affairs with XXXX police Department to make a statement XXXX XXXX XXXX 's XXXX  said my statement wasn't necessary I was sitting speaking with detective XXXX and XXXX XXXX if I knew a XXXX  I had never met my grandfather 's sister XXXX her name was on XXXX of my checks XXXX XXXX came into Internal affairs to inform I did not make a statement to police and XXXX XXXX was prosecuted he lived upstairs at XXXX XXXX XXXX XXXX XXXX 's building my father 's son was seen at the XXXX XXXX XXXX trying to replicate my signature and he cried. I am afraid there has been misconduct with XXXX XXXX XXXX  and XXXX area police and if he was writing checks I was not informed by bank personnel ( check processing ) as to checks being canceled in my checking account and when XXXX XXXX was prosecuted a forgery of my testimony was made with XXXX police department.
Product: Payday loan, title loan, or personal loan

A couple months back I took out a {$1100.00} loan from XXXX. Since then, over {$3000.00} in payments have been made to the company. I know have a balance of {$1800.00} due to 2 returned payments and their interest rate of over 700 %. I called to see if a settlement on the loan can be made, although I paid beyond the principal balance and they are an illegal entity. They denied any option of a settlement. 

- XXXX XXXX
Product: Debt collection

( Original Creditor ) CAC FINANCIAL OPENED XXXX XXXXXXXX XXXX ( XXXX Yrs, XXXX Mos ) {$600.00} I have called the consumer bureau ( XXXX ) that this information is being reported to. I have no information on the original creditor besides what the bureau has given me. At the time of account opening XXXX XXXX XXXX I was XXXX XXXX XXXX. This Account does not belong to me. ( High probability of fraudulent activity ) This account is causing me harm and is preventing me from getting my life as well as my credit journey stared.
Product: Prepaid card

I had a direct deposit issue and I received help via the CFPB. American Express responded and clearly indicated that they were sending my funds back to the original funding source. My direct deposit was for XXXX which went into the incorrect account due to an error with direct deposit number entry. American Express has only refunded me {$530.00}. Where is the additional monies that they said they were sending back?
Product: Credit card

Dear XXXX, **Complaint Regarding Credit Denial** I am writing to formally dispute the denial of my credit application, which I received from Best Buy Credit Services XXXX XX/XX/year> XXXX This decision has caused me significant inconvenience, and I believe it XXXX involve errors or inaccuracies in my credit report or a misapplication of consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to specific reasons for the denial of my application and the information used in making this decision. I am also entitled to receive the name, address, and telephone number of the credit reporting agency that provided the report. Furthermore, the Equal Credit Opportunity Act ( XXXX ) ensures that I am not discriminated against based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. 
I request that you provide : 1. A detailed explanation of the reasons for my credit denial.

2. The specific information upon which this decision was based.

3. Confirmation of whether the denial was influenced by any adverse information in my credit report, and if so, identification of the credit reporting agency that supplied this information.

If I do not receive a satisfactory response, I intend to pursue this matter to the fullest extent of the law to ensure my rights are upheld. I trust that you will handle this complaint with the seriousness it deserves and provide a prompt resolution.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I attempted to open a Citi Accelerate Savings account online with my spouse. My spouse 's credit report was locked and I was about to be activated on Federal Title 10 Orders. In order to save time, I called the new accounts line at Citi and asked them my options. They informed me I could apply the same day for a single-owner account and add her to the account 30-days later. Following these instructions, I successfully opened a Citi Accelerate Savings account and made an initial deposit of {$11000.00} on XXXX XXXX, 2020. 

Today, XXXX XX/XX/2020, I attempted to login to my online banking and was greeted with an error message asking for my savings account number, ATM card number, and PIN number as something had been 'mismatched. ' After over 3 hours on the phone, I was told my account had been closed, they can not tell me why, and to wait for mail correspondence in 10-business days. They also informed my that my {$11000.00} was inaccessible and would be up to 90-business days until I receive a check for the balance. Now, in the middle of a pandemic, my life savings are being held for up to a quarter and for no discernible reason. It is important to note that the  only activity was the singular initial deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from XXXX and noticed a number of unauthorized enquiries.There were enquiries from 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 I called and spoke to a representative who advised me that nothing can be XXXX therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY
Product: Debt collection

I have sent letter to validate the debt they said i owe to them by certified mail and a copy mailed to the company location and they did not return information that i owe debt to them then i tried to dispute it i just want to validate the debt they have {$1300.00} {$670.00} {$820.00} i never signed contract with them and i need it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, XXXX and TransUnion about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than XXXX or TransUnion. XXXX and TransUnion both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Ally Financial a notice of unauthorized inquiry that has caused damage to my credit file. By law Ally Financial had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give Ally Financial any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior.